Document:

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                                                                   EXHIBIT 10.20

                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

                    TOLL MANUFACTURING AND SUPPLY AGREEMENT

                                     BETWEEN

                           GENELABS TECHNOLOGIES, INC.

                                       AND

                                  PATHEON INC.

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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

                                TABLE OF CONTENTS

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                                          ARTICLE 1

                                        INTERPRETATION

1.1     Definitions .................................................................     1
1.2     Currency ....................................................................     3
1.3     Sections and Headings .......................................................     3
1.4     Singular Terms ..............................................................     3
1.5     Schedules ...................................................................     4

                                          ARTICLE 2

                              MANUFACTURE AND SUPPLY OF PRODUCTS

2.1     Manufacture .................................................................     4
2.2     Genelabs Supplies ...........................................................     4
2.3     Packaging ...................................................................     4
2.4     Quality Control and Assurance ...............................................     5
2.5     Rejection of Products .......................................................     6
2.6     Stability Testing ...........................................................     7

                                          ARTICLE 3

                           ORDERS, DELIVERY, INVOICING AND PAYMENT

3.1     Market Outlook ..............................................................     8
3.2     Orders and Forecasts ........................................................     8
3.3     Written Orders ..............................................................     8
3.4     Reliance by Patheon .........................................................     8
3.5     Minimum Orders ..............................................................     9
3.6     Termination .................................................................     9
3.7     Packaging and Raw Materials .................................................    10
3.8     Change in Genelabs Specifications ...........................................    10
3.9     Shipments ...................................................................    11
3.10    Invoices and Payment ........................................................    11
3.11    Capital Equipment ...........................................................    11
3.12    Lot Numbering/Expiration Dates ..............................................    12

                                          ARTICLE 4

                                         CO-OPERATION

4.1     Quarterly Review ............................................................    12
4.2     Records and Accounting by Patheon ...........................................    12
4.3     Product Recalls .............................................................    12
4.4     Product Returns .............................................................    13
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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
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<S>     <C>                                                                            <C>
4.5     Governmental Agencies .......................................................    13
4.6     Customer Questions and Complaints ...........................................    13

                                          ARTICLE 5

                                TERM, RENEWAL AND TERMINATION

5.1     Term ........................................................................    14
5.2     Extension ...................................................................    14
5.3     Fixed Price Period ..........................................................    14
5.4     Termination for Cause .......................................................    14
5.5     Product Discontinuation .....................................................    15

                                          ARTICLE 6

                          REPRESENTATIONS, WARRANTIES AND COVENANTS

6.1     Authority ...................................................................    15
6.2     Standards ...................................................................    15
6.3     Formulae ....................................................................    15
6.4     Debarred Persons ............................................................    16
6.5     Compliance with Laws ........................................................    16

                                          ARTICLE 7

                                          INDEMNITY

7.1     Patheon .....................................................................    16
7.2     Genelabs ....................................................................    16
7.3     Limitation of Warranties ....................................................    16
7.4     Consequential Damages .......................................................    16
7.5     Limitation of Liability .....................................................    17

                                          ARTICLE 8

                                       CONFIDENTIALITY

8.1     Disclosure ..................................................................    17
8.2     Use of Information ..........................................................    17
8.3     Exceptions ..................................................................    18

                                          ARTICLE 9

                                            PRICE

9.1     Price .......................................................................    18
9.2     Price Adjustments ...........................................................    18
9.3     Pricing after Fixed Price Period ............................................    19
9.4     Pricing Basis ...............................................................    19
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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
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<S>     <C>                                                                            <C>
9.5     Volume Price Recalculations .................................................    19
9.6     Adjustment to Active Materials Value ........................................    20
9.7     Manufacturing Costs .........................................................    20
9.8     Multi-Country Pricing .......................................................    21

                                          ARTICLE 10

                                      DISPUTE RESOLUTION

10.1    Disputes ....................................................................    21

                                          ARTICLE 11

                                        MISCELLANEOUS

11.1    Permits .....................................................................    21
11.2    Trademarks ..................................................................    21
11.3    Inspection ..................................................................    21
11.4    Access ......................................................................    21
11.5    Reports .....................................................................    21
11.6    Insurance ...................................................................    22
11.7    Independent Contractors .....................................................    22
11.8    No Waiver ...................................................................    22
11.9    Assignment ..................................................................    22
11.10   Force Majeure ...............................................................    23
11.11   Additional Products .........................................................    23
11.12   Notices .....................................................................    23
11.13   Entire Agreement ............................................................    24
11.14   Execution in Counterparts ...................................................    24
11.15   Governing Law ...............................................................    24
11.16   Devolution ..................................................................    24
11.17   Survival ....................................................................    25
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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

                     TOLL MANUFACTURING AND SUPPLY AGREEMENT

            THIS AGREEMENT is made as of the 30th day of August, 2002 (the
"EFFECTIVE DATE")

                                 B E T W E E N:

                  PATHEON INC.,
                  a corporation existing under the laws of Canada,

                  (hereinafter referred to as "PATHEON"),

                                     - and -

                  GENELABS TECHNOLOGIES, INC.,
                  a corporation existing under the laws of the state of
                  California, United States of America,

                  (hereinafter referred to as "GENELABS" ).

            THIS AGREEMENT WITNESSES THAT in consideration of the rights
conferred and the obligations assumed herein, and for other good and valuable
consideration (the receipt and sufficiency of which are acknowledged by each
party), and intending to be legally bound the parties agree as follows:

                                   ARTICLE 1

                                 INTERPRETATION

1.1 DEFINITIONS. The following terms shall, unless the context otherwise
requires, have the respective meanings set out below and grammatical variations
of such terms shall have corresponding meanings:

      "ACTIVE MATERIALS" has the meaning specified in Section 2.2;

      "ACTIVE MATERIALS VALUE" means the value to be attributed to the Active
      Materials for certain purposes of this Agreement, as set out in Schedule G
      hereto;

      "AFFILIATE" means:

      (a)   a business entity which owns, directly or indirectly, a controlling
            interest in a party to this Agreement, by stock ownership or
            otherwise; or

      (b)   a business entity which is owned by a party to this Agreement,
            either directly or indirectly, by stock ownership or otherwise; or

      (c)   a business entity, the majority ownership of which is directly or
            indirectly common to the majority ownership of a party to this
            Agreement;

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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

      "BATCH" means a specific quantity of Product that is intended to have
      uniform character and quality, within specified limits, and is produced
      according to a single manufacturing order during the same cycle of
      manufacture. For clarity, the Batch size anticipated for manufacture will
      be as set for in Schedule A.

      "CGMPS" has the meaning specified in Section 2.4(a);

      "CAMPAIGN" means the manufacture of multiple Batches of Product
      concurrently to enable a one-time configuration and cleaning of the
      equipment used to manufacture the Product;

      "COMPONENTS" means, collectively, all packaging components, raw materials
      and ingredients (including labels, product inserts and other labeling for
      the Products), required to be used in order to produce the Products in
      accordance with Genelabs Specifications, other than the Active Materials;

      "CONFIDENTIAL INFORMATION" means a party's technology, data, know-how or
      information whether written or oral, technical or non-technical,
      including, but not limited to, financial statements, reports, pricing,
      trade secrets, secret processes, formulas, customer data (including
      customer lists), and the like, that is disclosed to the other party;

      "DEFICIENCY NOTICE" shall have the meaning ascribed thereto in Section
      2.5(a);

      "DISPUTE" has the meaning specified in Section 10.1;

      "EMEA" means the European Agency for the Evaluation of Medicinal
      Products;

      "FDA" means the United States government department known as the Food
      and Drug Administration;

      "FIRM ORDERS" has the meaning specified in Subsection 3.2(b);

      "GENELABS" means Genelabs Technologies, Inc., a corporation existing
      under the laws of the state of California, United States of America,
      with its principal office at 505 Penobscot Drive, Redwood City, CA
      94063;

      "GENELABS SPECIFICATIONS" means, collectively, (i) the product, formula,
      processing and packaging specifications set forth in Schedule A hereto,
      and (ii) the quality control specifications set forth in Schedule B
      hereto;

      "INITIAL TERM" has the meaning specified in Section 5.1;

      "INVENTORY" means all inventories of Components and work-in-process
      produced or held by Patheon in connection with the manufacture of the
      Products in accordance with Genelabs Specifications, but, for greater
      certainty, does not include the Active Materials;

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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

      "MINIMUM RUN" means the minimum number of Batches per Campaign for
      manufacturing and packaging services, as set out in Schedule C.

      "MANUFACTURING FEE" means the prices for the provision of manufacturing
      and packaging services, as set out in Schedule C.

      "PATHEON" means Patheon Inc., a corporation existing under the laws of
      Canada with its registered office at 2100 Syntex Court, Mississauga,
      Ontario, Canada, L5N 7K9;

      "PATHEON MANUFACTURING REQUIREMENTS" has the meaning specified in
      Section 2.4(a);

      "PRODUCTS" has the meaning specified in Section 2.1;

      "QUALITY AGREEMENT" means the agreement between the parties hereto setting
      out the quality assurance responsibilities to be applicable to the
      manufacturing services provided by Patheon, which agreement shall be
      substantially in the form attached hereto as Schedule B;

      "TPD" means the Canadian government department known as the Therapeutic
      Products Directorate; and,

      "YEAR" means the twelve (12) month period commencing on January 1st and
      ending on December 31st of that same year.

1.2 CURRENCY. Unless otherwise indicated, all monetary amounts are expressed in
this Agreement in the lawful currency of the United States of America.

1.3 SECTIONS AND HEADINGS. The division of this Agreement into Articles,
sections, subsections and Schedules and the insertion of headings are for
convenience of reference only and shall not affect the interpretation of this
Agreement. Unless otherwise indicated, any reference in this Agreement to a
Section or Schedule refers to the specified Section or Schedule of this
Agreement. In this Agreement, the terms "THIS AGREEMENT", "HEREOF", "HEREIN",
"HEREUNDER" and similar expressions refer to this Agreement and not to any
particular part, Section, Schedule or the provision hereof.

1.4 SINGULAR TERMS. Except as otherwise expressly provided herein or unless the
context otherwise requires, all references to the singular shall include the
plural and vice versa.

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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

1.5 SCHEDULES. The following Schedules are attached to, incorporated in and form
part of this Agreement:

            Schedule A  -  Products and Specifications
            Schedule B  -  Quality Agreement
            Schedule C  -  Price List and Minimum Run Quantities
            Schedule D  -  List of Active Materials
            Schedule E  -  Stability Testing Procedures/Fee Schedule
            Schedule F  -  Lot Numbering and Expiration Dates
            Schedule G  -  Active Materials Value

                                    ARTICLE 2

                       MANUFACTURE AND SUPPLY OF PRODUCTS

2.1 MANUFACTURE. Patheon shall manufacture and sell to Genelabs for sale and
distribution in North America and Europe, the products listed on Schedule A
hereto (the "Products") at the prices listed on Schedule C hereto (such prices
being subject to adjustment in accordance with the terms hereof).

2.2 GENELABS SUPPLIES. In order to facilitate Patheon's manufacture of the
Products, Genelabs shall, at its sole cost and expense, deliver sufficient
quantities of the materials listed on Schedule D hereto (the "ACTIVE MATERIALS")
to Patheon , which Active Materials shall be held by Patheon on behalf of
Genelabs on the terms and conditions herein contained. The parties acknowledge
and agree that title to all Active Materials, work in process, and finished
Products shall at all times belong to and remain the property of Genelabs.
Patheon agrees that any Active Materials received by it shall only be used by
Patheon to manufacture and test the Products. Patheon shall not be responsible
for any loss or damage to the Active Materials including but not limited to any
Active Material contained in or represented by any work in process, except where
such loss or damage occurs *. In such circumstances, Patheon's liability shall
be limited to the Active Materials Value attributable to the relevant Active
Materials. All other supplies and materials that are required to manufacture the
Products shall be obtained by Patheon at Patheon's expense.

2.3 PACKAGING. Patheon shall package the Products with labels, product inserts
and other labeling as specified and approved by Genelabs. Genelabs may, in its
sole discretion, make changes to labels, product inserts and other labeling for
the Products, which changes shall be submitted by Genelabs to all applicable
governmental agencies and other third parties responsible for the approval of
the Products. Patheon's name shall not appear on the label nor anywhere else on
the Products unless required by a governmental authority or other applicable
laws or regulations.

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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

2.4   QUALITY CONTROL AND ASSURANCE.

      (a)   Patheon shall manufacture and supply the Products in accordance
            with: (i) Genelabs Specifications; (ii) current good manufacturing
            practices specified by FDA, TPD and EMEA, and similar European
            regulatory authorities, as applicable (collectively, "CGMPS"); and,
            (iii) the Quality Agreement. Patheon's responsibilities and
            obligations with respect to the manufacture of Products as set forth
            in this Section 2.4(a) and in Section 2.4(b) are hereinafter
            referred to as the "PATHEON MANUFACTURING REQUIREMENTS."

      (b)   Patheon shall perform such quality control and quality assurance
            testing as is reasonably required to ensure that the Products comply
            with all of the Patheon Manufacturing Requirements.

      (c)   If the Products as manufactured by Patheon do not satisfy
            Patheon's quality control and quality assurance testing due to
            Patheon's failure to produce the Products in accordance with the
            Patheon Manufacturing Requirements, Patheon shall reject such
            materials according to its quality assurance procedures and shall
            * manufacture additional Products to replace such defective
            Products, provided that *.  In such circumstances, Genelabs shall
            have no obligation to purchase or pay for any rejected Products
            and, Patheon shall bear all liability associated with any
            regulatory action taken against Patheon by the FDA, TPD, EMEA, or
            similar European regulatory authority in relation to such failure.

      (d)   Except in the circumstances where Patheon has failed to comply
            with the Patheon Manufacturing Requirements, Patheon shall not be
            liable or have any responsibility for any deficiencies in, or
            other liabilities associated with, any Product manufactured by
            it, including, without limitation, any deficiencies with respect
            to the formulae and procedures specified by Genelabs in the
            Patheon Manufacturing Requirements, the safety, efficacy or
            marketability of the Products or any distribution risk.

      (e)   Each time Patheon ships Products to Genelabs, it shall provide
            Genelabs, prior to such shipment, with a certificate of analysis
            that sets out the test results for each lot of Product, and which
            certifies that the Products shipped to Genelabs have been evaluated
            by Patheon's Quality Control/Quality Assurance department and that
            the Products comply with Genelabs Specifications and Patheon's
            Manufacturing Requirements. Further, Patheon shall, prior to such
            shipment, make available copies of all manufacturing related
            documentation, as defined in the Quality Agreement, associated with
            each Batch of Product produced, such documentation to be used by
            Genelabs to determine conformance of the Product to Genelabs
            Specifications and Patheon Manufacturing Requirements.

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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
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      (f)   Notwithstanding anything set forth in this Agreement to the
            contrary, Patheon expressly understands and agrees that Genelabs
            shall have the sole and final authority to determine whether all
            or a portion of any Batch of Product is suitable for release and
            distribution.  In those instances where Genelabs has rejected a
            Batch which has otherwise, according to the provisions of Section
            2.5(b), been deemed suitable for use, Genelabs shall pay Patheon
            the Manufacturing Fee associated with that Batch.

2.5   REJECTION OF PRODUCTS.

      (a)   Genelabs shall inspect the Products manufactured by Patheon within
            thirty (30) days of the later of: (i) receipt of the Product; or
            (ii), receipt of the documentation defined in Section 2.4(e) and
            shall give Patheon written notice (a "DEFICIENCY NOTICE") of all
            claims for: (1) Products which deviate from Patheon Manufacturing
            Requirements; or (2) shortages in the amount of delivered Products,
            in each case prior to the expiry of such thirty (30) day period.
            Except as set out in Sections 4.3 and 4.4 below, Patheon shall have
            no liability for any deviations or shortages for which it has not
            received notice within such thirty (30) day period except, however,
            that such thirty (30) day notice period shall not apply to latent
            defects or any other such defects which are not reasonably
            discoverable by Genelabs within such thirty (30) day period.

      (b)   Upon receipt of a Deficiency Notice relating to claims under Section
            2.5(a)(1) above, Patheon shall have ten (10) days to notify Genelabs
            as to whether it agrees that the subject Product deviates from
            Patheon Manufacturing Requirements. If Patheon disagrees with the
            contents of such Deficiency Notice, it shall so advise Genelabs by
            notice in writing within ten (10) days after receipt of such
            Deficiency Notice. If Genelabs and Patheon fail to agree within ten
            (10) days after Patheon's notice to Genelabs as to whether any
            Products identified in the Deficiency Notice deviate from Patheon
            Manufacturing Requirements, the parties shall mutually select an
            independent third party to evaluate if the Products deviate from
            Patheon Manufacturing Requirements. If such evaluation certifies
            that any Products deviate from Patheon Manufacturing Requirements,
            Genelabs may reject those Products in the manner contemplated by
            Section 2.5(d). For the purposes of clarity, such third party
            determination of conformance of the Product to Patheon Manufacturing
            Requirements shall be solely for the purpose of determining whether
            the Manufacturing Fee for a given Batch or Batches, as applicable,
            shall be payable by Genelabs to Patheon. Regardless of the findings
            of any such third party, Genelabs shall nevertheless have the final
            authority to reject any Batch pursuant to Section 2.4(f). If the
            Product is found to deviate from the Patheon Manufacturing
            Requirements, Patheon shall pay for such third party evaluation. In
            all other such cases, the costs for such third party evaluation
            shall be paid by Genelabs.

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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
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      (c)   Claims for shortages set out in a Deficiency Notice delivered to
            Patheon pursuant to Section 2.5(a)(2) shall be dealt with by Patheon
            either satisfying the shortage as soon as practicable but in no
            event later than within * days by the delivery of additional Product
            or, by the provision of an appropriate credit, at Genelabs'
            discretion.

      (d)   Subject to the provisions of Sections 2.5(a) and 2.5(b), Genelabs
            has the right to reject and return, at the expense of Patheon and
            for full credit, any portion of any shipment which deviates from
            Patheon Manufacturing Requirements, without invalidating the
            remainder of the order, to the extent that such deviation arises
            from Patheon's failure to manufacture the Products in accordance
            with the Patheon Manufacturing Requirements. All expenses incurred
            pursuant to this Section 2.5(d) must be reasonable and shall be only
            payable by Patheon after agreement by Patheon or, failing agreement,
            certification pursuant to Section 2.5(b) that the Products, or any
            rejected portion thereof, deviated from the Patheon Manufacturing
            Requirements.

      (e)   Where Genelabs has rejected all or a portion of a Batch or Batches
            of Product, as applicable, pursuant to Section 2.5(d), Patheon shall
            refund to Genelabs the cost of the Active Materials for such Product
            in an amount equal to *. In addition, if Genelabs has previously
            paid the Manufacturing Fee for Product which is ultimately rejected
            pursuant to Section 2.5(d), Patheon shall refund such Manufacturing
            Fee associated with the rejected Product. Where the rejected Product
            represents a portion of a Batch, the refund shall be proportionately
            based. Where Genelabs has not previously paid the Manufacturing Fee
            associated with the rejected Product, Patheon shall not invoice
            Genelabs for such Manufacturing Fee.

      (f)   Rejection of * or more Batches of Product in any one Year due to the
            failure by Patheon to manufacture Product in accordance with the
            Patheon Manufacturing Requirements shall be considered a material
            breach of this Agreement and Genelabs may, at its option, terminate
            this Agreement.

2.6 STABILITY TESTING. Patheon shall conduct stability testing on the Products
in accordance with the protocols submitted by Genelabs, the particulars of which
form part of the annexed Schedule E, and for the fees to be mutually agreed upon
between the parties. Patheon shall not make any changes to these testing
protocols without prior written approval from Genelabs. In the event that any
lot of Products fails stability testing, Patheon and Genelabs shall jointly
determine the proceedings and methods to be undertaken to investigate the causes
of such failure, including which party shall bear the cost of such
investigation, provided that Patheon shall not be liable for any such costs
unless there has been a breach by it of the Patheon Manufacturing Requirements.
Further, Genelabs shall have the final authority to determine what actions, if
any, shall be taken due to a stability failure. Patheon will provide any and all
data and results relating to the stability testing upon request by Genelabs.
From time to time, Patheon shall, at the request of Genelabs, also provide
stability testing services with respect to products not

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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
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manufactured by Patheon, the cost of such services to be agreed to between the
parties in writing prior to such services being undertaken. For stability
studies contemplated under this Section 2.6, Patheon shall supply data to
Genelabs within thirty (30) days following completion of testing.

                                    ARTICLE 3

                     ORDERS, DELIVERY, INVOICING AND PAYMENT

3.1 MARKET OUTLOOK. Genelabs acknowledges that for optimal production planning,
Patheon requires an understanding of Genelabs' strategic vision for the Products
in the market and agrees, to the extent that Genelabs has such information
(including, if any, Genelabs' ten (10) year market outlook studies), to share
such information with Patheon, provided that any information so provided shall
be subject to the confidentiality provisions of Article 8, and further provided
that Patheon agrees that any such information shall not constitute a binding
commitment of any kind on the part of Genelabs.

3.2 ORDERS AND FORECASTS. Genelabs shall provide Patheon with the following:

      (a)   concurrent with the execution of this Agreement, a written
            non-binding twelve (12) month forecast of the volume of each Product
            that Genelabs then anticipates will be required to be produced and
            delivered to Genelabs during that twelve (12) month period. Such
            forecast will be updated by Genelabs quarterly on a rolling basis
            and updated forthwith upon Genelabs determining that the volumes for
            the first quarter contemplated in the most recent of such forecasts
            has changed by more than * per cent (*%); and

      (b)   firm written orders ("FIRM ORDERS") will be submitted by Genelabs on
            or before the 20th day of a calendar month for the Products to be
            delivered to Genelabs on a date not less than ninety (90) days from
            the first day of the calendar month immediately following the date
            that the Firm Order is submitted.

3.3 WRITTEN ORDERS. The Firm Orders submitted to Patheon pursuant to Section
3.2(b) shall specify Genelabs' purchase order number, quantities by Product type
and monthly delivery schedule necessary to ensure the timely production and
delivery of the Products. The quantities of Products ordered in such written
orders shall be firm and binding on Genelabs and shall not be subject to
reduction. Patheon agrees that Firm Orders submitted by Genelabs pursuant to
Sections 3.2(b) and this Section 3.3 must be accepted by Patheon for manufacture
if they are not more than * percent (*%) of the amount most recently forecast
for that period. Patheon will use commercially reasonable efforts to manufacture
any amounts beyond that. Firm Orders not rejected by Patheon within three (3)
business days of receipt by Patheon shall be deemed to have been accepted by
Patheon. Should there be a conflict between this Agreement and the terms
contained in any Genelabs purchase order, this Agreement shall take precedence,
to the extent the terms conflict.

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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
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3.4 RELIANCE BY PATHEON. Genelabs understands and acknowledges that Patheon will
rely on the Firm Orders submitted pursuant to Section 3.2(b) in ordering the
Components required to meet such Firm Orders. Genelabs shall reimburse Patheon
for the cost of any Components purchased in support of Firm Orders which,
because of termination pursuant to Section 3.6, cannot be consumed by Patheon
during the three (3) month period following termination provided that Patheon
shall use commercially reasonable efforts to use these Components for other
customers of Patheon. Patheon may, at its sole discretion, purchase Components
in support of production beyond the Firm Order portion of the forecast. However,
Patheon expressly agrees and understands that such purchase shall be at
Patheon's sole risk and Genelabs shall not be liable for the cost of these
Components should they become unusable due to subsequent reductions in forecast
purchases or termination by Genelabs unless Genelabs consents in writing to such
purchase prior to Patheon making a purchase commitment.

3.5 MINIMUM ORDERS. The Products to be manufactured and packaged by Patheon may
only be ordered in at least the Minimum Run quantities set out in Schedule C.
For clarity, this means that in no event shall an order placed by Genelabs be
for quantities less than two (2), three (3), or one-half (1/2) Batches for the
1,000, 120, and 12-count presentations, respectively. Where Genelabs has placed
an order for one-half (1/2) Batch of the 12-count presentation, both parties
understand and agree that such order shall be supplied from capsules produced to
fill another presentation (i.e., sub-lotting a portion of capsules from an order
for another presentation). Thus, in the event that Genelabs places an order for
one-half (1/2) Batch of the 12-count, completion of such order shall be tied to
the manufacture date for the next order of either the 120-count or the
1,000-count presentation. For orders that fall between two Minimum Run
quantities, Patheon shall determine at its sole discretion how to schedule the
order; however, in all cases, the pricing applied to purchase orders from
Genelabs shall be set based on the Yearly volume requirements pursuant to
Section 3.2(a) and subject to adjustment, as defined in Section 9.5.

3.6 TERMINATION. If this Agreement expires or is terminated in whole or in part
for any reason other than a default by Patheon, in addition to any other
remedies that either Party may have in the event of default:

      (a)   Genelabs shall purchase, at Patheon's acquisition cost (as supported
            by appropriate receipts) plus a * percent (*%) handling fee, the
            Components applicable to the Products which were purchased, produced
            or maintained by Patheon in contemplation of filling Firm Orders or
            in accordance with Section 3.4 prior to notice of termination being
            given;

      (b)   Genelabs shall purchase all undelivered Products which were
            manufactured and/or packaged pursuant to a Firm Order, at the price
            in effect at the time the Firm Order was placed;

      (c)   Genelabs shall pay Patheon's suppliers or reimburse Patheon, as
            applicable, for the purchase price payable pursuant to Patheon's
            orders with suppliers of Components, provided such orders were made
            by

                                       9
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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

            Patheon in reliance on Firm Orders in accordance with Section 3.4 in
            cases where Genelabs has agreed in advance to such purchases and
            provided Genelabs is permitted to take delivery of such Components;
            and

      (d)   Patheon shall, in a timely manner, but in no event more than ninety
            (90) days from the date of termination, convert any work in process
            that may exist in support of Firm Orders to Product for purchase by
            Genelabs. Should Patheon fail to complete such conversion, Patheon
            shall reimburse Genelabs for * represented by such work in process.

If this Agreement is terminated as a result of a default by Patheon, Genelabs
agrees to purchase such of the items referred to in Sections 3.6 (a), (b) and
(c) above as it determines, acting reasonably, can be used by it.

3.7 PACKAGING AND RAW MATERIALS. All Components shall be purchased (with the
exception of those which are supplied by Genelabs) and tested by Patheon at
Patheon's expense in accordance with Patheon Manufacturing Requirements.
Amendments to Genelabs Specifications requested by Genelabs will only be
implemented with the approval of Patheon following a technical and cost review,
such approval not to be unreasonably withheld but being subject to Genelabs and
Patheon reaching agreement as to price revisions as specified in Section 3.8
necessitated by any such amendment.

3.8   CHANGE IN GENELABS SPECIFICATIONS.

      (a)   If Genelabs requests a change in Genelabs Specifications which would
            result in an increase in Patheon's costs for Components or for
            manufacturing the Products, the parties shall discuss what impact,
            if any, such change will have on the price of the Products. If
            Genelabs should accept a proposed price change, the proposed change
            in Genelabs Specifications shall be implemented, and the price
            change shall become effective only with respect to those orders of
            Products which are manufactured in accordance with the revised
            Genelabs Specifications. Similarly, if Genelabs requests a change in
            Genelabs Specifications which would result in a decrease in
            Patheon's costs for components or for manufacturing the Products,
            the parties will work together to develop a mutually agreeable
            reduced cost for services from Patheon for Genelabs. Notwithstanding
            the foregoing, all changes to Genelabs Specifications shall, prior
            to implementation, be approved in writing by both parties hereto.

      (b)   Notwithstanding any change in Genelabs Specifications implemented
            in accordance with the terms of Section 3.8 (a) above, Genelabs
            agrees to purchase all Products manufactured by Patheon, subject
            to the provisions of Section 2.5, based upon any "old" Genelabs
            Specifications at the "old" price for those Products provided
            that such Products were produced based on Firm Orders received
            from Genelabs.  In addition, Genelabs agrees to purchase, at
            Patheon's cost (subject to the limits of Section 3.4), all

                                       10
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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

            Inventory utilized under the "old" Genelabs Specifications and
            purchased or maintained by Patheon in order to fill Firm Orders
            or in accordance with Section 3.4, to the extent that such
            Inventory can no longer be utilized under the revised Genelabs
            Specifications, in accordance with the terms of this Agreement.
            Open purchase orders for Components no longer required under any
            revised Genelabs Specifications which were placed by Patheon with
            suppliers in order to fill Firm Orders or in accordance with
            Section 3.4 shall be cancelled where possible, and where such
            orders are not subject to cancellation without penalty, shall be
            assigned to and satisfied by Genelabs.

3.9 SHIPMENTS. Deliveries of Products shall be made Free Carrier ("FCA"), as
such term is defined in the INCOTERMS 2000, Patheon's shipping point. Such title
as Patheon has in Products and risk of loss or of damage to Products shall
remain with Patheon until Products are delivered to the carrier by Patheon for
shipment at the FCA point at which time title and risk of loss or damage shall
transfer to Genelabs. Patheon shall, in accordance with Genelabs' instructions,
(i) arrange for shipping and insurance, to be paid by Genelabs and (ii) at
Genelabs' risk and expense, obtain any export licence or other official
authorisation and carry out all customs formalities necessary to export the
Products. Genelabs may select the freight carrier used by Patheon to ship
Products and may monitor Patheon's shipping and freight practices as they
pertain to this Agreement. Transport conditions shall be based upon Genelabs
Specifications for the transportation of the Products.

3.10 INVOICES AND PAYMENT. Except as otherwise provided in this Agreement,
Patheon shall charge Genelabs for only those Products that are shipped to
Genelabs pursuant to Firm Orders and which conform to the Patheon Manufacturing
Requirements, and shall submit to Genelabs, with each shipment of Products, an
invoice covering such shipment. Each such invoice shall, to the extent
applicable, identify Genelabs' purchase order number, Product numbers, names and
quantities, unit price, freight charges and the total amount to be remitted by
Genelabs. Genelabs shall pay all such invoices within thirty (30) days of the
later of: (i) shipment of the Product by Patheon; or (ii) receipt of the
documentation referred to in Section 2.4(e). In no event may Patheon either ship
to or invoice Genelabs for any Product which has not been fully completed and
has not passed all testing as specified under Patheon Manufacturing
Requirements. Genelabs may, at its sole discretion, approve the shipment of
Product prior to the completion of required testing and Patheon release.
However, nothing in this Agreement shall be construed as requiring Genelabs to
provide such approval. Further, approval by Genelabs to ship a given Batch or
Batches of Product prior to completion of testing shall have no bearing
whatsoever on Genelabs' later refusal to do the same with a future Batch or
Batches.

3.11 CAPITAL EQUIPMENT. Both parties agree and understand that in the case of
capital equipment purchased by Genelabs, whether purchased directly by Genelabs
and delivered to Patheon or, purchased by Patheon with reimbursement of the
purchase cost to Patheon by Genelabs, title to and interest in all such capital
equipment shall at all times be in Genelabs. At present, both parties anticipate
that this will include the purchase of change parts commonly known as chutes and
slats, the cost of which shall not exceed $*, the

                                       11
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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

prior purchase of change parts (i.e., *) for Patheon's * encapsulator and
unscrambler change parts (see Schedule C for detail). Further, Patheon warrants
that based on the most recent forecast provided to Patheon with the execution of
this Agreement, Patheon has sufficient vault space to store the Active Material
required to produce the Product (the Active Material being a controlled
substance in Canada, secure storage in an access-controlled vault is required by
Canadian law) and further, that should expansion of this vault be required to
handle production of Yearly Product quantities substantially in excess of this
forecast (substantially in this case being defined as volumes greater than *%
above the total of the Annual Quantity in units of all three presentations in
the Volume 5 tier set forth in Schedule C), that in no event shall the cost to
Genelabs for all such vault expansions exceed a total of $*.

3.12 LOT NUMBERING/EXPIRATION DATES. Patheon shall make arrangements for and
implement the imprinting of lot numbers and expiration dates for each Product
shipped. Such expiration dates shall be based on Genelabs Specifications and
shall be affixed on the Products and on the shipping carton of each product as
is required by cGMPs. The system used by Patheon for lot numbering and
expiration dates is detailed in Schedule F hereto.

                                    ARTICLE 4

                                  CO-OPERATION

4.1 QUARTERLY REVIEW. Each party shall forthwith upon execution of this
Agreement appoint one of its employees or consultants to be a relationship
manager responsible for liaison between the parties. The relationship managers
shall meet not less than quarterly, either in person, via teleconference, or via
videoconference, to review the current status of the business relationship and
manage any issues that have arisen.

4.2 RECORDS AND ACCOUNTING BY PATHEON. Patheon shall keep records of the
manufacture, testing and shipping of the Products, and retain samples of such
Products as are necessary to comply with the Patheon Manufacturing Requirements
applicable to Patheon, the requirements specified under 21 CFR parts 210-211, as
well as to assist with resolving product complaints and other similar
investigations. Copies of such records and samples shall be made available to
Genelabs upon its request and shall be retained by Patheon and be available to
Genelabs for a period of five (5) years following the date of manufacture, or
longer if required by law or regulation. Patheon shall, prior to discarding any
documentation related to the manufacture of Genelabs' Products, make such
documentation available for collection by Genelabs at Genelabs' expense. Patheon
shall not destroy or discard any such documentation without the prior, express
written consent of Genelabs. Genelabs is responsible for retaining samples of
the Products necessary to comply with the legal/regulatory requirements
applicable to Genelabs.

4.3 PRODUCT RECALLS.

      (a)   Patheon and Genelabs shall each maintain records as may be
            necessary to permit a recall or a field correction of any
            Products delivered to Genelabs

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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
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            or customers of Genelabs, effected voluntarily or under a threat of,
            or a directive by, any governmental agency. Each party shall give
            immediate notice by telephone (to be confirmed in writing) to the
            Director of Quality Control/Quality Assurance of the other party
            upon discovery that any Products should be recalled or corrected, or
            may be required to be recalled or corrected, and each party upon
            receiving any such notice or upon any such discovery, shall cease
            and desist from further shipments of such Products in its possession
            or control until a decision has been made whether a recall or some
            other corrective action is necessary. The decision to initiate a
            recall or to take some other corrective action, if any, shall be
            made and implemented by Genelabs. Patheon will cooperate as
            reasonably required by Genelabs, in accordance with all applicable
            laws and regulations. Each party shall cooperate with the other in
            developing any necessary recall plan, and the manner and extent of
            such plan shall be subject to prior consultation, which consultation
            shall not unreasonably delay such plan.

      (b)   To the extent that a recall results from, or arises out of, any
            breach by Patheon of the Patheon Manufacturing Requirements, (i)
            such recall shall be made at Patheon's cost and expense, and (ii)
            Patheon shall use its best efforts to replace the recalled Products
            with new Products within sixty (60) days from the date that Genelabs
            notifies Patheon about the recalled Products, contingent upon the
            receipt by Patheon from Genelabs of all required Active Materials.
            Patheon's cost for such Active Materials shall be limited to *. In
            the event that: (1) Patheon is unable to replace the recalled
            Products within this sixty (60) day period (except where such
            inability results from a failure to receive the required Active
            Materials); or (2) such new Products are also recalled or returned
            due to a breach by Patheon of the Patheon Manufacturing
            Requirements, then Patheon shall reimburse Genelabs for the
            Manufacturing Fee that Genelabs paid Patheon for the affected
            Products. In all other circumstances, recalls or other corrective
            actions shall be made at Genelabs' cost and expense.

4.4 PRODUCT RETURNS. Genelabs shall have the responsibility for handling
customer returns of the Products. Patheon shall provide Genelabs with such
assistance as Genelabs may reasonably need to handle such returns. To the extent
that such return results from, or arises out of, any breach by Patheon of the
Patheon Manufacturing Requirements, Patheon shall use all reasonable efforts to
replace the returned Products with new Products within sixty (60) days from the
date that Genelabs notifies Patheon about the returned Products, contingent upon
the receipt by Patheon from Genelabs of all Active Materials. Patheon's cost for
such Active Materials shall be limited to *. In the event that: (i) Patheon is
unable to replace the returned Products within this sixty (60) day period
(except where such inability results from a failure to receive the required
Active Materials); or (ii) such new Products are also returned or recalled due
to a breach by Patheon, then Patheon shall reimburse Genelabs for * that
Genelabs paid Patheon for the affected Products. In all other circumstances,
customer returns or similar actions shall be made at Genelabs' cost and expense.

                                       13
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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

4.5 GOVERNMENTAL AGENCIES. Each party may communicate with any governmental
agency, including but not limited to governmental agencies responsible for
granting regulatory approval for the Products, regarding such Products if, in
the opinion of that party's counsel, such communication is necessary to comply
with the terms of this Agreement or the requirements of any law, governmental
order or regulation, provided, however, that, unless in the reasonable opinion
of its counsel there is a legal prohibition against doing so, such party shall
permit the other party to accompany and take part in relevant communications
with the agency, and to receive copies of all such communications from the
agency.

4.6 CUSTOMER QUESTIONS AND COMPLAINTS. Genelabs shall have the sole
responsibility for responding to questions and complaints from Genelabs'
customers. Questions or complaints received by Patheon from Genelabs' customers
shall be promptly referred to Genelabs. Patheon shall cooperate as reasonably
required to allow Genelabs to determine the cause of and resolve any customer
questions and complaints. Such assistance shall include follow-up
investigations, including testing. In addition, within ten (10) days from the
date of request, Patheon shall provide Genelabs with all necessary information
that will enable Genelabs to respond properly to questions or complaints
relating to the Products. Unless it is determined that the cause of any customer
complaint resulted from a breach by Patheon of the Patheon Manufacturing
Requirements, all reasonable costs incurred by Patheon in respect of this
Section 4.6 shall be borne by Genelabs. In the event that such complaint
resulted from the breach by Patheon of the Patheon Manufacturing Requirements,
all reasonable costs in respect of this Section 4.6 shall be borne by Patheon.

                                    ARTICLE 5

                          TERM, RENEWAL AND TERMINATION

5.1 TERM. This Agreement shall commence on the Effective Date and, subject to
any extension pursuant to Section 5.2, this Agreement shall expire on December
31, 2008 (the "Initial Term"), unless terminated earlier by one of the parties
as provided herein.

5.2 EXTENSION. This Agreement shall automatically be renewed for successive
terms of three (3) years each unless either party gives written notice to the
other party of its intention to terminate this Agreement at least twelve (12)
months prior to the end of the then-current term. Any such extensions of this
Agreement shall be on substantially similar terms and conditions, subject to the
agreement of both parties as to pricing.

5.3 FIXED PRICE PERIOD. For the purposes of ordering, planning, costing and
forecasting, as contemplated by this Agreement, the Fixed Price Period shall be
from the Effective Date up to and including December 31, 2005 (the "FIXED PRICE
PERIOD"). Thereafter, for the purposes of ordering, planning, costing and
forecasting, as contemplated by this Agreement, both Parties will operate under
a calendar year basis.

5.4 TERMINATION FOR CAUSE.

                                       14

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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

      (a)   Upon failure of either party to remedy its material breach of any of
            the obligations or provisions of this Agreement within sixty (60)
            days following receipt of written notice of said breach, the
            aggrieved party shall have the right to terminate this Agreement
            immediately by written notice.

      (b)   Either party at its sole option may immediately terminate this
            Agreement upon written notice, but without prior advance notice, to
            the other party in the event that: (i) the other party is declared
            insolvent or bankrupt by a court of competent jurisdiction; (ii) a
            voluntary petition of bankruptcy is filed in any court of competent
            jurisdiction by such other party; or (iii) this Agreement is
            assigned by such other party for the benefit of creditors.

      (c)   Genelabs may terminate this Agreement as to any Product upon thirty
            (30) days written notice to Patheon in the event that any
            governmental agency takes any action, or raises any objection, that
            prevents Genelabs from importing, exporting, purchasing or selling
            such Product.

      (d)   Any termination or expiration of this Agreement shall not affect any
            outstanding obligations or payments due hereunder prior to such
            termination or expiration, nor shall it prejudice any other remedies
            that the parties may have under this Agreement.

      (e)   Patheon may terminate this Agreement on six (6) months prior written
            notice if Genelabs assigns, pursuant to Section 11.9, any of its
            rights under this Agreement to an assignee that is, in the opinion
            of Patheon acting reasonably, not a creditworthy substitute for
            Genelabs, is a competitor of Patheon or with whom Patheon has had
            prior unsatisfactory business relations. Should Patheon decide to
            terminate this Agreement in accordance with this Section 5.4(e),
            Patheon will continue to supply the assignee with Product until the
            earlier of: (i) *; and (ii) * from the date of termination. In such
            circumstances, Genelabs shall continue to be responsible for the
            obligations of the assignee during the transition period.

5.5 PRODUCT DISCONTINUATION. During the Initial Term of this Agreement or any
extension thereof, Genelabs shall provide at least six (6) months advance notice
if it intends to no longer order a Product due to a voluntary decision by
Genelabs to discontinue sale of the Product. This requirement shall not apply to
any involuntary discontinuation resulting from withdrawal of approval for sale
by a regulatory agency, pursuant to Section 5.4(c).

                                    ARTICLE 6

                  REPRESENTATIONS, WARRANTIES AND COVENANTS

6.1 AUTHORITY. Each party represents and warrants that it has the full right and
authority to enter into this Agreement, and that it is not aware of any
impediment that would inhibit its ability to perform its obligations hereunder.

                                       15
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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

6.2 STANDARDS. Patheon represents and warrants that the work it performs
hereunder will be in accordance with Sections 2.4(a) and (b).

6.3 FORMULAE. Genelabs represents and warrants that Genelabs Specifications for
each of the Products are its or its Affiliate's property and that Genelabs may
lawfully disclose Genelabs Specifications to Patheon. Genelabs further
represents and warrants that any trademarks utilized in connection with any of
the Products are its or its Affiliate's property and may be lawfully used as
directed by Genelabs. Genelabs further represents and warrants that Genelabs
Specifications for all Products conform to all applicable laws and regulations,
and that the Products, if labeled and formulated in accordance with Genelabs
Specifications and manufactured in compliance Patheon Manufacturing
Requirements, (i) may be lawfully sold and distributed in every jurisdiction
covered by this Agreement in which Genelabs markets such Products, (ii) will be
fit for the purpose intended, and (iii) will be safe for human consumption.

6.4 DEBARRED PERSONS. Patheon covenants that it will not in the performance of
its obligations under this Agreement use the services of any person or
organization debarred or suspended under 21 U.S.C. Sections 335(a) or (b).
Patheon represents that it does not currently have, and covenants that it will
not hire, as an officer or an employee any person who has been convicted of a
felony under the laws of the United States for conduct relating to the
regulation of any drug product under the United States Food, Drug and Cosmetic
Act or substantially similar legislation in Canada, if any.

6.5 COMPLIANCE WITH LAWS. Each party, in connection with its performance under
this Agreement, shall comply with all applicable laws, rules, regulations,
orders and guidelines.

                                    ARTICLE 7

                                    INDEMNITY

7.1 PATHEON. Except as otherwise expressly set forth in this Agreement, Patheon
agrees to defend, indemnify and hold Genelabs, its Affiliates and their
respective directors, officers, employees and agents harmless against any and
all losses, damages, costs, claims, demands, judgments and liability to, from
and in favour of third parties (other than Affiliates) resulting from, or
relating to, Patheon's breach of its obligations, duties, representations or
warranties under this Agreement, except to the extent that any such losses,
damages, costs, claims, demands, judgments and liability are due to the
negligence or wrongful act(s) of Genelabs, its Affiliates and their respective
directors, officers, employees, or agents.

7.2 GENELABS. Except as otherwise expressly set forth in this Agreement,
Genelabs agrees to defend, indemnify and hold Patheon, its Affiliates and their
respective directors, officers, employees and agents harmless against any and
all losses, damages, costs, claims, demands, judgments and liability resulting
from, or relating to Genelabs' breach of its obligations, duties,
representations or warranties under this Agreement, except to the extent that
any such losses, damages, costs, claims, demands, judgments and liability

                                       16
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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

are due to the negligence or wrongful act(s) of Patheon, its Affiliates and
their respective directors, officers, employees or agents.

7.3 LIMITATION OF WARRANTIES. EXCEPT AS OTHERWISE EXPRESSLY SET FORTH IN THIS
AGREEMENT, NEITHER GENELABS NOR PATHEON MAKES ANY REPRESENTATION AND EXTENDS NO
WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING ANY EXPRESS OR
IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

7.4 CONSEQUENTIAL DAMAGES. Under no circumstances whatsoever shall either party
be liable to the other in contract, tort, negligence, breach of statutory duty
or otherwise, for any (direct or indirect) loss of profits, of production, of
anticipated savings, of business or of goodwill or for any liability, damage,
costs or expense of any kind incurred by the other party of an indirect or
consequential nature, except as expressly provided for in this Agreement.

7.5   LIMITATION OF LIABILITY.

      (a)   GENERAL. Unless expressly provided for in this Agreement and
            notwithstanding any other provision of this Agreement, Patheon shall
            not be liable for any loss of or damage to any property of Genelabs,
            including, without limitation, Active Materials, except in the case
            of Patheon's negligence or intentional misconduct.

      (b)   ACTIVE MATERIALS VALUE REIMBURSEMENT LIMITATIONS.  In the event
            that Patheon is obligated to refund to Genelabs the cost of * for
            a Product pursuant to Sections 2.2, 2.4(c), 2.5(e), 4.3(b), 4.4
            and 11.5 of this Agreement, the following limitations shall
            apply:  (i) Patheon shall not be required to * (which shall be
            subject to renegotiation by the parties in the event of a
            material change in *); and (ii) Patheon's * shall be based on *
            set forth in Schedule C as described as follows.  *.  Examples
            are set forth in the table below.  In all other cases, including
            without limitation Section 3.6(d), these limitations will not
            apply.

                                   ARTICLE 8

                                CONFIDENTIALITY

8.1 DISCLOSURE. During and in furtherance of this Agreement, each of the parties
hereto may disclose certain of its Confidential Information to the other party.

8.2 USE OF INFORMATION. During the Initial Term and any renewals of this
Agreement, and for a period of five (5) years from the termination of this
Agreement, each of the parties hereto agrees: (i) to use the Confidential
Information only in connection with the terms of this Agreement; (ii) to treat
the Confidential Information as it would its own proprietary information; and
(iii) to take all reasonable precautions to

                                       17
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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

prevent the disclosure of the Confidential Information to any third party, other
than an Affiliate, without the prior written consent of the other party.

8.3 EXCEPTIONS. Each of Patheon and Genelabs shall be relieved of any and all of
the obligations under Section 8.2 regarding Confidential Information which (i)
was known by the recipient prior to receipt hereunder unless disclosed pursuant
to another agreement containing confidentiality provisions; (ii) at the time of
disclosure was generally available to the public or which after disclosure,
hereunder, becomes generally available to the public through no fault
attributable to a party hereto; (iii) is hereafter made available for use or
disclosure from any third party having a right to do so; or (iv) is disclosed
pursuant to a written request of a governmental authority or requirement or
regulation of a court of governmental authority. In the event of Section 8.3(iv)
each party shall inform the other in advance to the extent possible of any such
request or requirement and shall take reasonable steps to protect the
confidentiality of the relevant Confidential Information.

                                    ARTICLE 9

                                      PRICE

9.1 PRICE. The prices for the Products listed in Schedule C are intended by the
parties to be a guaranteed price for the Fixed Price Period, subject to the
amendments to such prices provided for in this Article 9. The prices for any
Products delivered pursuant to the terms of this Agreement during any period
following the Fixed Price Period shall be determined in accordance with Section
9.3.

9.2 PRICE ADJUSTMENTS. During any Year of this Agreement, the prices set out in
Schedule C shall be subject to adjustment in accordance with the following:

      (a)   if at any time and from time to time, but no more frequently than
            once per Year, Patheon determines, acting reasonably and based on
            the forecasts and Firm Orders received from Genelabs, that the
            then-current yearly run-rate volumes (including, without limitation,
            any permanent reductions in volumes) relating to a specific Product
            will constitute no more than eighty-five percent (85%) of the
            forecasted yearly volumes for that Product for that same Year,
            Patheon may request an adjustment to the price of that Product to
            reflect the increased Component costs that Patheon will incur as a
            result of the reduced volumes. In connection with such request,
            Patheon shall deliver to Genelabs a revised Schedule C setting out
            the adjusted Component costs that will be incurred based on the
            then-anticipated volumes for the relevant Product, together with
            documentation which supports the basis for Patheon's increased
            costs. Upon delivery of such a request, each of Genelabs and Patheon
            shall forthwith use all reasonable efforts to agree on a revised
            price for the relevant Product that reflects the increased Component
            costs being incurred by Patheon;

      (b)   if at any time extraordinary market conditions result in
            Patheon's cost of Components being greater than normal forecasted
            increases, Patheon may

                                       18
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                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

            request an adjustment to the price of any affected Product to
            compensate it for such increased Component costs, but not more than
            once per Year. For the purposes of this Section 9.2(b), changes
            greater than normal forecasted increases shall be considered to have
            occurred if (i) the cost of a Component is more than *% greater than
            the cost for such Component that the price quote was based upon or
            (ii) the aggregate cost for all Components required to manufacture a
            Product is more than *% of the total Component costs for such
            Product that the price quote was based upon. To the extent Product
            prices have been previously adjusted pursuant to this Section 9.2(b)
            to reflect an increase in the cost of one or more Components, the
            adjustments provided for in (i) and (ii) above shall operate based
            on the costs attributed to such Component (or Components) at the
            time the last of such adjustments were made. In connection with a
            price adjustment request pursuant to this Section 9.2(b), Patheon
            shall deliver to Genelabs a revised Schedule C setting out the
            adjusted Component costs that will be incurred as a result of the
            greater than normal forecasted increases, together with supporting
            documentation which details the basis for Patheon's increased costs.
            Upon delivery of such a request, each of Genelabs and Patheon shall
            forthwith use all reasonable efforts to agree on a revised price for
            each affected Product that reflects the increased Component costs
            being incurred by Patheon;

      (c)   Beginning on January 1, 2006, on each Yearly anniversary of this
            Agreement, following the Fixed Price Period, Patheon shall be
            entitled to request an adjustment to the price charged in respect
            of direct labour, overhead and manufacturing fees based on the
            Industrial Product Price Index, Pharmaceuticals, No. V157093 and
            in direct labour, overheads and manufacturing fees based on the
            increases in the Consumer Price Index, Drug & Pharmaceuticals,
            published by Statistics Canada during the immediately prior Year.

9.3 PRICING AFTER FIXED PRICE PERIOD. The prices for each Product during each
additional Year beyond the Fixed Price Period that this Agreement remains in
force shall be agreed to between the parties prior to the commencement of each
such Year. Genelabs shall provide Patheon with the yearly volume forecasts
contemplated by Section 3.2(a) at least ninety (90) days prior to the first day
of each such additional Year. Based on those projections, Patheon will deliver
to Genelabs, no later than thirty (30) days after receipt of such yearly
forecast, a revised Schedule C and such other budgetary pricing information as
it deems necessary to allow the parties to effectively settle all prices for the
subsequent Year. Thereafter, the parties shall use all reasonable efforts to
come to agreement with respect to the applicable price for each Product during
the relevant Year, based on the anticipated changes in Product volumes,
Component costs and other relevant market conditions. Such revised prices shall
become effective as of the first day of the subject Year.

9.4 PRICING BASIS. The price applied to any purchase order and paid by Genelabs
for Product in any Year is quoted based upon the estimated annual volume per
Product

                                       19
<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

specified in Schedule C or thereafter specified in the forecast provided
pursuant to Section 3.2(a) for the Year and is subject to change, as specified
herein, if the specified Minimum Run quantity and estimated annual volume is not
met.

9.5 VOLUME PRICE RECALCULATIONS. In each Year, Patheon shall charge Genelabs for
the manufacturing services at the rates set forth in the attached Schedule C,
based on the total amount of Product expected to be ordered as set forth in the
12-month rolling forecast (or fraction of such 12 month rolling forecast, as
applicable) for such Year.

      (a)   If at any time during the Year, Genelabs has ordered a sufficient
            volume of Product for any given packaging presentation to qualify
            for the next lower-priced volume tier, the price applied to purchase
            orders from Genelabs for Product(s) for all subsequent orders for
            the balance of the Year shall reflect this next lower-priced tier.

      (b)   At the end of each Year, both parties will perform a review of the
            actual quantities of Product (by presentation) requested through
            Firm Orders during that Year by Genelabs to determine if sufficient
            Product was ordered to achieve the volume pricing requirements
            applied throughout the Year.

      (c)   If the amount of each Product presentation ordered has exceeded the
            volume tier pricing that was applied to Genelabs' purchase orders
            (and related payments) during the Year, then within thirty (30) days
            after the end of the relevant Year, Patheon shall refund Genelabs
            the difference between the amount Genelabs has paid for such Product
            and the amount that Genelabs should have paid based on total
            purchases.

      (d)   If the amount of each Product presentation ordered has not met the
            volume tier pricing that was applied to Genelabs' purchase orders
            (and related payments) during the Year, then within thirty (30) days
            after the end of the relevant Year, Patheon shall invoice Genelabs
            for the difference, if any, between the amount Genelabs should have
            paid for total purchases and the amount that Genelabs actually paid.

9.6 ADJUSTMENT TO ACTIVE MATERIALS VALUE. Prior to the end of each Year, the
parties shall determine a revised Active Materials Value as reflected in
Schedule G to be applied to the following Year, to account for changes in the
cost of the Active Materials, and as supported by appropriate documentation from
Genelabs. The parties will agree to the revised Active Materials Value and amend
Schedule G accordingly. In no event shall the Active Materials Value be adjusted
more than once per Year.

9.7 MANUFACTURING COSTS. Notwithstanding anything in this Agreement to the
contrary, in no event shall the price increase contemplated by Patheon exceed
the lesser of either: (a) the percentage increase in the Components based on the
Industrial Product Price Index, Pharmaceuticals, No. V157093 and in direct
labour, overheads and manufacturing fees based on the Consumer Price Index, Drug
& Pharmaceuticals,

                                       20
<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

published by Statistics Canada during the immediately prior Year; or (b), the
aggregate increase in Patheon's direct labour, overheads and manufacturing fees
and Component costs as demonstrated by supporting documentation from Patheon and
its Component suppliers. Patheon shall manufacture Product using Option B in
Schedule C (i.e., the * encapsulator) unless otherwise approved in writing by
Genelabs, which approval shall not be unreasonably withheld.

9.8 MULTI-COUNTRY PRICING. The pricing set forth in Schedule C of this Agreement
as of the Effective Date is for Product intended for sale and distribution in
the United States of America. If Genelabs decides that it wishes to have Patheon
manufacture the Product for countries in addition to the United States of
America, then Genelabs shall inform Patheon of the packaging requirements needed
for this new country market and Patheon shall prepare a quotation for
consideration by Genelabs of the additional Component costs, if any, packaging
fees and the change over fees for the Product destined for the new country
market. The agreed additional packaging requirements and related packaging costs
and change over fees shall be set out in a written amendment to this Agreement.

                                   ARTICLE 10

                               DISPUTE RESOLUTION

10.1 DISPUTES. In the event of any dispute, claim, question or disagreement
arising out of or relating to this Agreement (a "DISPUTE"), the parties shall
use all reasonable efforts to settle such Dispute by amicable negotiations
within a period of sixty (60) days of one party giving notice of the Dispute to
the other party.

                                   ARTICLE 11

                                  MISCELLANEOUS

11.1 PERMITS. Obtaining or maintaining any permits or other regulatory approvals
in respect of the Products or Genelabs Specifications shall be the sole
responsibility of Genelabs. Patheon warrants that it shall obtain and maintain
all permits, licenses and the like that are now or may be required in the future
from any local, provincial or federal agency (both Canadian and US) to perform
its obligations hereunder, the cost associated therewith shall be borne entirely
by Patheon.

11.2 TRADEMARKS. Genelabs and Patheon hereby acknowledge that neither party has,
nor shall it acquire, any interest in any of the other party's trademarks or
trade names unless otherwise expressly agreed to in writing. Each party agrees
not to use any trademark or trade name of the other party, except as
specifically authorized by the other party or as required for the performance of
its obligations under this Agreement.

11.3 INSPECTION. Genelabs may inspect Patheon reports and records relating to
this Agreement as well as audit not more than once per Year at Patheon's place
of business the work performed by Patheon in discharge of its obligations
hereunder during normal

                                       21
<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

business hours and with reasonable advance notice, provided a Patheon
representative is present during any such inspection. Patheon shall promptly
notify Genelabs of any inspections by any governmental agency directly or
indirectly involving the Products. Where such governmental agency inspections
have been arranged for in advance, Patheon shall notify Genelabs, to the extent
possible, not less than, seventy-two (72) hours prior to such inspections and
Genelabs shall have the right to be present during such inspections. In those
instances where such governmental agency inspections are performed on an
unannounced basis, Patheon shall inform Genelabs as specified in the Quality
Agreement. In those instances where Patheon is subject to negative regulatory
action from a governmental agency that may directly or indirectly impact the
Products, Genelabs shall have the right to audit Patheon's operations to assess
the impact, if any, of such action on Genelabs' Products.

11.4 ACCESS. Patheon shall provide Genelabs with reasonable access at mutually
agreeable times to any of its facilities in which the Products are manufactured,
stored, handled or shipped in order to permit Genelabs's verification of
Patheon's compliance with the terms of this Agreement and the Quality Agreement
and with all applicable laws and regulations.

11.5 REPORTS. Patheon will supply, on an annual calendar basis, product data,
including release test results, complaint test results, all investigations (in
manufacturing, testing and storage), and the like, which Genelabs reasonably
requires in order to complete any filing under any applicable regulatory regime,
including any annual product review report that Genelabs is required to file
with the FDA, TPD, EMEA, or similar European regulatory authority. Further,
Patheon shall provide to Genelabs on a quarterly basis, a report detailing the
amounts of Product produced in the quarter, as well as all work in process
related to ongoing production. The report shall detail, among other things, the
yield rate for each Batch produced as well as the overall yield rate experienced
by Patheon during the report quarter. Patheon shall reimburse to Genelabs no
later than thirty (30) days following the end of a Year at * an amount equal to
any * represented by a yield loss for that Year in excess of a yield rate to be
mutually agreed upon between the parties following completion of the first ten
(10) commercial Batches. In regard to this yield rate, a per Batch yield rate
shall be established and such agreed upon yield rate shall be appended to the
Quality Agreement.

11.6 INSURANCE. Each party shall maintain comprehensive general liability
insurance, including blanket contractual liability insurance covering the
obligations of that party under this Agreement through the term of this
Agreement and for five (5) years thereafter, which insurance shall afford limits
as mutually agreed between the parties from time to time for each occurrence for
bodily injury liability, personal injury liability, products liability, property
damage liability, contractual liability and completed operations liability. Each
party will provide the other with a certificate of insurance evidencing the
above and showing the name of the issuing company, the policy number, the
effective date, the expiration date and the limits of liability. The insurance
certificate shall further provide for a minimum of thirty (30) days written
notice to the recipient of a cancellation of, or material change in, the
insurance.

                                       22
<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

11.7 INDEPENDENT CONTRACTORS. The parties are independent contractors and this
Agreement shall not be construed to create between Patheon and Genelabs any
other relationship such as, by way of example only, that of employer-employee,
principal-agent, joint-venturer, co-partners or any similar relationship, the
existence of which is expressly denied by the parties hereto.

11.8 NO WAIVER. Either party's failure to require the other party to comply with
any provision of this Agreement shall not be deemed a waiver of such provision
or any other provision of this Agreement.

11.9 ASSIGNMENT. Patheon may not assign this Agreement or any of its rights or
obligations hereunder except with the written consent of Genelabs, such consent
not to be unreasonably withheld. Genelabs may assign this Agreement or any of
its rights or obligations hereunder without approval from Patheon, provided,
however, that Genelabs shall give prior written notice of any assignment to
Patheon. Any assignee shall covenant in writing with Patheon to be bound by the
terms of this Agreement and Genelabs shall remain liable hereunder unless
otherwise agreed by Patheon. Notwithstanding the foregoing provisions of this
Section 11.9, either party may assign this Agreement to any of its Affiliates or
to a successor to or purchaser of all or substantially all of its business,
provided that such assignee executes an agreement with the non-assigning party
hereto whereby it agrees to be bound hereunder.

11.10 FORCE MAJEURE. Neither party shall be liable for the failure to perform
its obligations under this Agreement if such failure is occasioned by a cause or
contingency beyond such party's reasonable control, including, but not limited
to, strikes or other labour disturbances, lockouts, riots, wars, fires, floods,
storms, interruption of or delay in transportation, or compliance with any order
or regulation of any government entity acting within colour of right. A party
claiming a right to excused performance under this Section 11.10 shall
immediately notify the other party in writing of the extent of its inability to
perform, which notice shall specify the occurrence beyond its reasonable control
that prevents such performance, as well as its estimate as to when remedy of the
causes of force majeure may be reasonably expected to occur.

11.11 ADDITIONAL PRODUCTS. Additional Products may be added to this Agreement
and such additional Products shall be governed by the general conditions hereof
with any special terms (including, without limitation, price) governed by an
addendum hereto. Notwithstanding the foregoing, neither Genelabs nor any of its
Affiliates, shall be under any obligation to add additional Products to this
Agreement.

11.12 NOTICES. Any notice, approval, instruction or other written communication
required or permitted hereunder shall be sufficient if made or given to the
other party by personal delivery, by telecopier communication or by sending the
same by first class mail, postage prepaid to the mailing address, or telecopier
number set forth below:

                  If to Genelabs:

                  Genelabs Technologies, Inc.

                                       23
<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

                  505 Penobscot Drive
                  Redwood City, CA 94063 USA
                  Att: President
                  Fax No. 650-368-0709

                  With a copy to:

                  Corporate Counsel
                  Fax No.: 650-366-8748

                  If to Patheon:

                  Patheon Inc.
                  2100 Syntex Court
                  Mississauga, Ontario, Canada, L5N 7K9
                  Att:  President
                  Fax No.: 905-812-6705

or to such other addresses or telecopier numbers provided to the other party in
accordance with the terms of this Section 11.12. Notices or written
communications made or given by personal delivery or by telecopier shall be
deemed to have been sufficiently made or given when sent (receipt acknowledged),
or, if mailed, five (5) days after being deposited in the United States or
Canadian mail, postage prepaid or upon receipt, whichever is sooner, or, if by
courier, upon receipt of confirmation of delivery from courier.

11.13 ENTIRE AGREEMENT. This Agreement constitutes the full, complete, final and
integrated agreement between the parties hereto relating to the subject matter
hereof and supersedes all previous written or oral negotiations, commitments,
agreements, transactions or understandings with respect to the subject matter
hereof, except that any confidentiality agreement entered into prior to the date
of this Agreement relating to the subject matter hereof shall remain in full
force and effect in accordance with its terms. Any modification, amendment or
supplement to this Agreement must be in writing and signed by authorized
representatives of both parties.

11.14 EXECUTION IN COUNTERPARTS. This Agreement may be executed in two
counterparts, by original or facsimile signature, each of which shall be deemed
an original, but all of which together shall constitute one and the same
instrument.

11.15 GOVERNING LAW.  This Agreement shall be construed and enforced in
accordance with the laws of the state of Delaware, regardless of that or any
other jurisdiction's choice of law principles.

11.16 DEVOLUTION. If any provision, term, or condition of this Agreement is in
conflict with any applicable law or court judgment, and a court of law shall
declare that part of this agreement is unenforceable or invalid, then such part
shall be replaced with a provision, term, or condition that accomplishes, to the
extent possible, the original

                                       24
<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

business purpose of the provision, term, or condition in a valid and enforceable
manner and the remainder of this Agreement shall remain in full force and
effect.

11.17 SURVIVAL. The terms of this Agreement and obligations of the parties
contained in Article 1, Section 3.6, Section 4.2, Section 4.3, Section 4.5,
Section 4.6, Section 5.4(d), Section 5.4(e), Article 6, Article 7, Article 8,
Article 10, and Article 11 (except only one final report shall be required
pursuant to Section 11.5, and Section 11.11 shall have no further force and
effect) shall survive the termination or expiration of this Agreement. To the
extent Product is manufactured and/or delivered by Patheon after termination or
expiration of this Agreement the provisions of Article 2 and any other provision
governing the manufacturing, delivery and rejection of Product shall apply to
such Product.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                       25
<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

            IN WITNESS WHEREOF, the duly authorized representatives of the
parties have executed this Agreement as of the Effective Date.

                                      PATHEON INC.

                                      By:  /s/ Nick DiPietro
                                          --------------------------------------
                                          Name:   Nick DiPietro
                                          Title:  President and Chief Operating
                                                  Officer

                                      GENELABS TECHNOLOGIES, INC.

                                      By:  /s/ James A. D. Smith
                                          --------------------------------------
                                          Name:   James A. D. Smith
                                          Title:  President

<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

                                   SCHEDULE A

                           PRODUCTS AND SPECIFICATIONS

PRODUCT

GL701 (Prasterone, also known as Dehydroepiandrosterone, or DHEA) *, 50mg
capsules

INGREDIENTS

Prasterone (also known as Dehydroepiandrosterone, or DHEA)*
*

PROCESSING (IN-PROCESS/RELEASE SPECIFICATIONS)

In-process testing will be completed by approved Patheon Inc. methods, the
results of which will be based upon Genelabs Specifications as detailed in the
Quality Agreement and shall include the following:

      -     Bulk & Tap Density
      -     Particle size
      -     Flowability
      -     Loss on Drying
      -     Blend Uniformity

Release testing will be completed by approved Patheon Inc. methods, the results
of which will be based upon Genelabs Specifications as detailed in the Quality
Agreement and shall include the following:

      -     Appearance
      -     Identity by HPLC & UV Spectrophotometry
      -     Assay
      -     Blend & Content Uniformity
      -     Dissolution
      -     Moisture by Karl Fisher
      -     Related Substances
      -     Microbial

Commercial Batch size will be approximately *, to be manufactured at
Patheon's Toronto Regions facility

<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

PACKAGING

The Product will be packaged as per Genelabs' instruction, in 3 formats

        12 Count - 60cc round HDPE bottle, HDPE child-resistant closure with
        inner tamper evident seal (non-induction, foam) spot-glued outsert,
        shrink wrapped into bundles of 12, case packed with one-color exterior
        (case pack) label

        120 Count - 120cc square HDPE bottle, HDPE child-resistant closure with
        inner tamper evident seal (non-induction, foam), spot-glued outsert,
        shrink wrapped into bundles of 24, case packed with one-color exterior
        (case pack) label,

        1,000 count - 950cc square HDPE bottle, metal closure with inner tamper
        evident seal (non-induction, foam) spot-glued outsert, shrink wrapped
        into bundles of 24, case pack with one-color exterior (case pack) label.

Labels for the above presentations are estimated 2 colors plus varnish. 60# high
gloss/S246 adhesive/40#BK liner. Shippers are estimated plain, 175C, RCS, 12 or
24 bottles per, as described above.

The above presentations will be delivered to Genelabs in a palletized
configuration, the final pallet loading to be determined following completion of
packaging validation.

                                      A-2
<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

                                   SCHEDULE B

                                QUALITY AGREEMENT

   The Quality Agreement is attached to and made a part of this Schedule B.

<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

                                   SCHEDULE C

                      PRICE LIST AND MINIMUM RUN QUANTITIES

*

*

<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

*

*

                                      C-2
<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

*

*

                                      C-3

<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

*

                                      C-4

<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

                                   SCHEDULE D

                            LIST OF ACTIVE MATERIALS

Prasterone (also known as Dehydroepiandrosterone, or DHEA) * active
pharmaceutical ingredient

<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

                                   SCHEDULE E

                  STABILITY TESTING PROCEDURES/FEE SCHEDULE

Commercial and Product Stability Protocols and associated pricing to be
determined between the parties and, upon execution by the duty authorized
representatives of the parties hereto, attached to this Schedule E.

<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

                                   SCHEDULE F

                       LOT NUMBERING AND EXPIRATION DATES

Products manufactured at Patheon Inc. will bear lot numbers as described in
Patheon SOP OPS1026 and will have expiry dates as described in Patheon SOP
OPS1062.

<PAGE>
                                            *CONFIDENTIAL TREATMENT REQUESTED BY
                                                     GENELABS TECHNOLOGIES, INC.

                                   SCHEDULE G

                             ACTIVE MATERIALS VALUE

The agreed value of the Active Materials is * per kilogram.EXECUTION COPY

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

                        RESIDENTIAL ACCREDIT LOANS, INC.,

                                    Company,

                        RESIDENTIAL FUNDING CORPORATION,

                                Master Servicer,

                                       and

                      DEUTSCHE BANK TRUST COMPANY AMERICAS,

                                     Trustee

                               SERIES SUPPLEMENT,

                          DATED AS OF OCTOBER 1, 2002,

                                       TO

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

                 Mortgage Asset-Backed Pass-Through Certificates

                                Series 2002-QS15

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

<PAGE>

<TABLE>
<CAPTION>

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

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

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

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

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

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

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

 Section 2.04.    Representations and Warranties of Sellers. (See Section 2.04 of the
                  Standard Terms) .........................................................22

 Section 2.05.    Execution and Authentication of Certificates/ Issuance of Certificates
                  Evidencing Interests in REMIC I Certificates.............................22

 Section 2.06.    Conveyance of Uncertificated REMIC I and REMIC II Regular Interests;
                  Acceptance by the Trustee................................................22

 Section 2.07.    Issuance of Certificates Evidencing Interest in REMIC II.................23

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

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

 Section 3.01.    Master Servicer to Act as Servicer. (See Section 3.01 of the
                  Standard Terms) .........................................................24

 Section 3.02.    Subservicing Agreements Between Master Servicer and Subservicers;
                  Enforcement of Subservicers' and Sellers' Obligations.
                  (See Section 3.02 of the Standard Terms) ................................24

 Section 3.03.    Successor Subservicers. (See Section 3.03 of the Standard Terms).........24

 Section 3.04.    Liability of the Master Servicer. (See Section 3.04 of the Standard Terms)24

 Section 3.05.    No Contractual Relationship Between Subservicer and Trustee or
                  Certificateholders.(See Section 3.05 of the Standard Terms) ..............24

 Section 3.06.    Assumption or Termination of Subservicing Agreements by Trustee.
                  (See Section 3.06 of the Standard Terms)..................................24

 Section 3.07.    Collection of Certain Mortgage Loan Payments;  Deposits to Custodial
                  Account ..................................................................24

 Section 3.08.    Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the
                  Standard Terms) ..........................................................25

                                        i

<PAGE>

 Section 3.09.    Access to Certain Documentation and  Information Regarding the Mortgage
                  Loans. (See Section 3.09 of the Standard Terms)...........................25

 Section 3.10.    Permitted Withdrawals from the Custodial Account. (See Section 3.10 of
                  the Standard Terms).......................................................25

 Section 3.11.    Maintenance of the Primary Insurance  Policies; Collections Thereunder.
                 (See Section 3.11 of the Standard Terms)...................................25

 Section 3.12.    Maintenance of Fire Insurance and  Omissions and Fidelity Coverage.
                  (See Section 3.12 of the Standard Terms)..................................25

 Section 3.13.    Enforcement of Due-on-Sale Clauses; Assumption and  Modification
                  Agreements; Certain Assignments. (See Section 3.13 the Standard Terms)....25

 Section 3.14.    Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the
                  Standard Terms) ..........................................................25

 Section 3.15.    Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the
                  Standard Terms)...........................................................25

 Section 3.16.    Servicing and Other Compensation; Compensating Interest.
                  (See Section 3.16 of the Standard Terms)..................................25

 Section 3.17.    Reports to the Trustee and the Company. (See Section 3.17 of the
                  Standard Terms) ..........................................................25

 Section 3.18.    Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms26

 Section 3.19.    Annual Independent Public Accountants' Servicing Report. (See Section 3.19
                  of the Standard Terms)....................................................26

 Section 3.20.    Rights of the Company in Respect of the Master Servicer.
                  (See Section 3.20 of the Standard Terms)..................................26

 Section 3.21.    Administration of Buydown Funds. (See Section 3.21 of the Standard Terms)26

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

 Section 4.01.    Certificate Account......................................................27

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

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

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

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

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

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

                                        ii
<PAGE>

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

 Section 4.09.    Reserve Fund.............................................................40

 Section 4.10.    Rounding Account.........................................................40

 Section 4.11.    Principal Distributions on the Retail Certificates.......................41

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

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

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

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

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

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

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

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

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

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

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

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

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

 Section 10.03.   Designation of REMICs....................................................51

 Section 10.04.   Distributions on the Uncertificated REMIC I and REMIC II Regular Interests51

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

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

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

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

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

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

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

 Section 11.06.   Required Notices to Rating Agency and Subservicer........................55

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

                                        iii
<PAGE>

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

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

 Section 11.10.   No Petition..............................................................56

Article XII       CERTAIN MATTERS REGARDING THE CERTIFICATE INSURER........................57

 Section 12.01.   Rights of the Certificate Insurer to Exercise Rights of Retail
                  Certificateholders. .....................................................57

 Section 12.02.   Claims Upon the Certificate Policy; Certificate Insurance Account........57

 Section 12.03.   Effect of Payments by the Certificate Insurer; Subrogation...............58

 Section 12.04.   Notices and Information to the Certificate Insurer.......................59

 Section 12.05.   Trustee to Hold Certificate Policy.......................................59

 Section 12.06.   Ratings..................................................................59

 Section 12.07.   Third Party Beneficiary..................................................59

</TABLE>

                                        iv

<PAGE>

                                    EXHIBITS

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

                                        v

<PAGE>

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

                             PRELIMINARY STATEMENT:

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

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

                                       1
<PAGE>

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

<TABLE>
<CAPTION>
                              AGGREGATE
                               INITIAL
                             CERTIFICATE                                       FITCH/
                PASS-THROUGH  PRINCIPAL                        MATURITY      -----------       MINIMUM
 DESIGNATION      RATE        BALANCE        FEATURES(1)          DATE            S&P      DENOMINATIONS(2)

                                                Senior/       October 25,
<S>              <C>      <C>                                    <C>                         <C>
Class CB         6.00%    $200,634,000.00     Fixed Rate         2032          AAA/AAA       $25,000.00
                                                Senior/       October 25,
Class NB-1       6.00%    $185,000,000.00     Fixed Rate         2032          AAA/AAA       $25,000.00
                                                Senior/
                                              Fixed Rate/     October 25,
Class NB-2       5.75%     $14,969,000.00    Retail/Insured      2032        AAA/AAA(3)       $1,000.00
                                                Senior/
                                              Fixed Rate/     October 25,
Class NB-3       0.17%             $0.00(4) Interest Only       2032          AAA/AAA     $2,000,000.00
                                             Senior/Principal October 25,
Class A-P        0.00%       $304,811.77        Only            2032          AAA/AAA        $25,000.00
                                             Senior/Variable
                Variable                     Rate/Interest    October 25,
Class A-V       Rate(5)       $0.00              Only            2032          AAA/AAA          6
                                             Senior/Fixed     October 25,
Class R-I        6.00%       $100.00         Rate/Residual       2032          AAA/AAA          7
                                             Senior/Fixed     October 25,
Class R-II       6.00%       $100.00         Rate/Residual       2032          AAA/AAA          7
                                              Mezzanine/      October 25,

______________

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

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

3    The ratings on the Class NB_2  Certificates  have been  determined  without
     regard to the Certificate Policy issued by the Certificate Insurer.

4    The Class NB-3 Certificates do not have a principal  balance.  For purposes
     of calculating  interest payments,  interest on the Class NB-3 Certificates
     will accrue on a notional amount equal to the certificate principal balance
     of the Class NB-2 Certificates.

5    The initial Pass-Through Rate on the Class A-V Certificates is 0.5003%.

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

7    Each  class of the  Class R  Certificates  shall  be  issuable  in  minimum
     denominations  of  not  less  than  a 20%  Percentage  Interest;  provided,
     however,  that one Class R  Certificate  of each Class will be  issuable to
     Residential  Funding as "tax matters person"  pursuant to Section  10.01(c)
     and (e) in a minimum denomination representing a Percentage Interest of not
     less than 0.01%.

                                       2
<PAGE>

                              AGGREGATE
                               INITIAL
                             CERTIFICATE                                       FITCH/
                PASS-THROUGH  PRINCIPAL                        MATURITY      -----------       MINIMUM
 DESIGNATION      RATE        BALANCE        FEATURES(1)          DATE            S&P      DENOMINATIONS(2)

Class M-1        6.00%    $10,339,900.00      Fixed Rate         2032           NA/AA        $25,000.00
                                              Mezzanine/
Class M-2        6.00%     $4,009,100.00      Fixed Rate      October 25,       NA/A        $250,000.00
                                                                 2032
                                              Mezzanine/      October 25,
Class M-3        6.00%    $2,954,100.00       Fixed Rate         2032          NA/BBB       $250,000.00
                                             Subordinate/     October 25,
Class B-1        6.00%    $1,055,100.00       Fixed Rate         2032           NA/BB       $250,000.00
                                             Subordinate/     October 25,
Class B-2        6.00%    $1,477,100.00       Fixed Rate         2032           NA/B        $250,000.00
                                             Subordinate/     October 25,
Class B-3        6.00%    $1,266,125.30       Fixed Rate         2032           NA/NA       $250,000.00

</TABLE>

          The  Mortgage  Loans  have an  aggregate  principal  balance as of the
     Cut-off Date of $422,009,437.07.

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

                                       3
<PAGE>

                                   ARTICLE I

                                   DEFINITIONS

Section 1.01.  Definitions.

        Whenever used in this Agreement, the following words and phrases, unless
the  context  otherwise  requires,  shall have the  meanings  specified  in this
Article.

        Available Distribution Amount: As to any Distribution Date and each Loan
Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage
Loans on deposit in the  Custodial  Account as of the close of  business  on the
immediately preceding  Determination Date, including any Subsequent  Recoveries,
and  amounts   deposited  in  the  Custodial  Account  in  connection  with  the
substitution  of Qualified  Substitute  Mortgage  Loans,  (ii) the amount of any
Advance made on the  immediately  preceding  Certificate  Account  Deposit Date,
(iii) any amount deposited in the Certificate Account on the related Certificate
Account Deposit Date pursuant to the second paragraph of Section  3.12(a),  (iv)
any amount  deposited in the Certificate  Account  pursuant to Section 4.07, and
(v) any amount that the Master  Servicer is not  permitted to withdraw  from the
Custodial  Account or the  Certificate  Account  pursuant  to  Section  3.16(e),
reduced by (b) the sum as of the close of business on the immediately  preceding
Determination Date of (w) aggregate Foreclosure Profits, (x) the Amount Held for
Future  Distribution,  (y)  amounts  permitted  to be  withdrawn  by the  Master
Servicer from the Custodial Account in respect of the Mortgage Loans pursuant to
clauses (ii)-(x),  inclusive,  of Section 3.10(a), and (z) in the case of the NB
Loan Group,  the Insurance  Premium on the  Certificate  Policy  payable on such
Distribution  Date.  Such amount shall be  determined  separately  for each Loan
Group. Additionally,  if on any Distribution Date Compensating Interest provided
pursuant to Section 3.16(e) is less than Prepayment Interest Shortfalls incurred
on the Mortgage  Loans in  connection  with  Principal  Prepayments  in Full and
Curtailments made in the prior calendar month, such Compensating  Interest shall
be allocated on such Distribution Date to the Available  Distribution Amount for
each Loan Group on a pro rata basis in accordance with the respective amounts of
such Prepayment  Interest Shortfalls incurred on the Mortgage Loans in such Loan
Group in respect of such Distribution Date.

        Bankruptcy  Amount:  As of any date of determination  prior to the first
anniversary  of the Cut-off Date, an amount equal to the excess,  if any, of (A)
$165,122 over (B) the aggregate amount of Bankruptcy  Losses allocated solely to
one or more specific  Classes of Certificates in accordance with Section 4.05 of
this Series  Supplement.  As of any date of  determination on or after the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of

               (1) the lesser of (a) the Bankruptcy  Amount calculated as of the
        close of business on the Business  Day  immediately  preceding  the most
        recent anniversary of the Cut-off Date coinciding with or preceding such
        date  of  determination  (or,  if  such  date  of  determination  is  an
        anniversary of the Cut-off Date, the Business Day immediately  preceding
        such  date of  determination)  (for  purposes  of this  definition,  the
        "Relevant Anniversary") and (b) the greater of

                                       4
<PAGE>

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

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

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

        The  Bankruptcy  Amount  may be further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency  (without
giving effect to the Certificate Policy in the case of the Retail  Certificates)
below  the  lower of the  then-current  rating or the  rating  assigned  to such
Certificates  as of the Closing  Date by such Rating  Agency and (ii)  provide a
copy of such written confirmation to the Trustee and to the Certificate Insurer.

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

     Certificate:  Any Class CB, Class NB-1,  Class NB-2, Class NB-3, Class A-P,
Class A-V, Class M, Class B or Class R Certificate.

        Certificate  Account:  The  separate  account or  accounts  created  and
maintained  pursuant  to Section  4.01 of the  Standard  Terms,  which  shall be
entitled  "Deutsche Bank Trust Company  Americas,  as trustee,  in trust for the
registered holders of Residential  Accredit Loans, Inc.,  Mortgage  Asset-Backed
Pass-Through  Certificates,  Series  2002-QS15"  and which  must be an  Eligible
Account.

     Certificate  Insurance Account: The account established pursuant to Section
12.02(b) of this Series Supplement.

     Certificate  Insurance Payment: Any payment made by the Certificate Insurer
with respect to any Retail Certificates under the Certificate Policy.

                                       5
<PAGE>

        Certificate  Insurer:  MBIA  Insurance  Corporation,  a stock  insurance
company  organized and created under the laws of the State of New York,  and any
successors thereto, and issuer of the Certificate Policy.

        Certificate Insurer Default:  The existence and continuance of a failure
by the  Certificate  Insurer to make a payment  required  under the  Certificate
Policy in accordance with its terms.

     Certificate  Policy: The Certificate  Guaranty Insurance Policy (No. 39461)
issued by the  Certificate  Insurer for the benefit of the Holders of any Retail
Certificates,  including any  endorsements  thereto,  attached hereto as Exhibit
Five.

     Certificate Principal Balance: With respect to each Certificate (other than
any Interest Only  Certificate),  on any date of determination,  an amount equal
to:

     (i)  the  Initial  Certificate  Principal  Balance of such  Certificate  as
          specified on the face thereof, plus

     (ii) the Subsequent  Recoveries added to the Certificate  Principal Balance
          of such Certificate pursuant to Section 4.02, minus

     (iii)the sum of (x) the  aggregate  of all amounts  previously  distributed
          with respect to such Certificate (or any predecessor  Certificate) and
          applied to reduce the Certificate  Principal  Balance thereof pursuant
          to  Section  4.02(a)  and  (y)  the  aggregate  of all  reductions  in
          Certificate  Principal  Balance  deemed to have occurred in connection
          with  Realized  Losses  which  were   previously   allocated  to  such
          Certificate (or any predecessor Certificate) pursuant to Section 4.05;

provided,  however,  that solely for the purpose of determining  the Certificate
Insurer's rights as subrogee to the Retail  Certificateholders,  the Certificate
Principal Balance of any Retail Certificate shall be deemed to not be reduced by
any  principal  amounts paid to the Holder  thereof from  Certificate  Insurance
Payments,  unless such amounts have been reimbursed to the  Certificate  Insurer
pursuant to Section  4.02(a)(xvii);  and provided further,  that the Certificate
Principal  Balance of each Certificate of the Class of Subordinate  Certificates
with the Lowest Priority at any given time shall be further reduced by an amount
equal to the Percentage Interest  represented by such Certificate  multiplied by
the excess, if any, of (A) the then aggregate  Certificate  Principal Balance of
all Classes of Certificates  then outstanding over (B) the then aggregate Stated
Principal  Balance of the  Mortgage  Loans,  not taking into  consideration  any
reduction in the Certificate Principal Balance of the Retail Certificates due to
withdrawals of funds from the Rounding Account.

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

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

                                       6
<PAGE>

        Class CB Percentage: As of any Distribution Date, the lesser of 100% and
a fraction,  expressed as a percentage,  the numerator of which is the aggregate
Certificate Principal Balance of the Class CB Certificates  immediately prior to
such  Distribution  Date and the  denominator  of which is the aggregate  Stated
Principal  Balance of all of the  Mortgage  Loans (or  related  REO  Properties)
(other than the related Discount Fraction of each Discount Mortgage Loan) in the
CB Loan Group immediately prior to such Distribution Date.

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

        Class NB  Certificate:  Any one of the Class NB-1,  Class NB-2 and Class
NB-3 Certificates,  executed by the Trustee and authenticated by the Certificate
Registrar  substantially in the form annexed to the Standard Terms as Exhibit A,
which Certificates relate to the Group NB Loans.

        Class NB Percentage: As of any Distribution Date, the lesser of 100% and
a fraction,  expressed as a percentage,  the numerator of which is the aggregate
Certificate  Principal  Balance  of  the  Class  NB  Certificates  and  Residual
Certificates  immediately prior to such Distribution Date and the denominator of
which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or
related  REO  Properties)  (other  than the  related  Discount  Fraction of each
Discount  Mortgage  Loan)  in  the NB  Loan  Group  immediately  prior  to  such
Distribution Date.

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

     Class R Certificate:  Any one of the Class R-I  Certificates and Class R-II
Certificates.

        Class R-I Certificate: Any one of the Class R-I Certificates executed by
the Trustee and authenticated by the Certificate Registrar  substantially in the
form  annexed to the  Standard  Terms as Exhibit D and  evidencing  an  interest
designated  as a  "residual  interest"  in  REMIC I for  purposes  of the  REMIC
Provisions.

                                       7
<PAGE>

        Class R-II Certificate:  Any one of the Class R-II Certificates executed
by the Trustee and authenticated by the Certificate  Registrar  substantially in
the form annexed to the Standard  Terms as Exhibit D and  evidencing an interest
designated  as a  "residual  interest"  in REMIC II for  purposes  of the  REMIC
Provisions.

        Closing Date:  October 30, 2002.

        Commission:  The Securities and Exchange Commission.

     Commitment  Letter:  The  letter,  dated  October  29,  2002,  between  the
Certificate Insurer and the Underwriter, relating to the Certificate Policy.

     Corporate Trust Office: The principal office of the Trustee at which at any
particular  time its corporate  trust  business  with respect to this  Agreement
shall  be  administered,  which  office  at the  date of the  execution  of this
instrument  is  located at 1761 East St.  Andrew  Place,  Santa Ana,  California
92705-4934, Attention: Residential Funding Corporation Series 2002-QS15.

        Cumulative  Insurance  Payments:  As of any time of  determination,  the
aggregate  of  all  Certificate   Insurance  Payments  previously  made  by  the
Certificate  Insurer  under the  Certificate  Policy minus the  aggregate of all
payments  previously  made  to the  Certificate  Insurer  pursuant  to  Sections
4.02(a)(xvii)  of  this  Series  Supplement  as  reimbursement  for  Certificate
Insurance Payments.

        Cut-off Date:  October 1, 2002.

        Deceased Holder: A Certificate  Owner of a Retail  Certificate who was a
natural  person  living  at the  time  such  interest  was  acquired  and  whose
authorized personal representative,  surviving tenant by the entirety, surviving
joint tenant or surviving  tenant in common or other person  empowered to act on
behalf of a deceased  Certificate Owner causes to be furnished to the Depository
Participant evidence of death satisfactory to the Depository Participant and any
tax waivers requested by the Depository Participant.

        Deficiency Amount: With respect to the Retail Certificates and as of any
Distribution  Date, an amount equal to (a) any interest  shortfall  allocated to
the Retail  Certificates,  except  for (i) any  Prepayment  Interest  Shortfalls
allocated to the Retail Certificates that were not offset by the Master Servicer
and  were  otherwise  covered  by the  Reserve  Fund and  (ii)  any  Relief  Act
Shortfalls  allocated to the Retail  Certificates that were otherwise covered by
the Reserve Fund, (b) the principal  portion of any Realized Losses allocated to
the Retail Certificates and (c) the Certificate  Principal Balance of the Retail
Certificates to the extent unpaid on the Scheduled Final Distribution Date.

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

     Discount Net Mortgage Rate: 6.00% per annum.

                                       8
<PAGE>

        Due Period:  With  respect to each  Distribution  Date and any  Mortgage
Loan, the period commencing on the second day of the month prior to the month in
which such  Distribution Date occurs and ending on the first day of the month in
which such Distribution Date occurs.

        Eligible Funds: On any  Distribution  Date, the portion,  if any, of the
Available  Distribution  Amount  remaining after reduction by the sum of (i) the
aggregate  amount of Accrued  Certificate  Interest on the Senior  Certificates,
(ii) the Senior  Principal  Distribution  Amount  (determined  without regard to
Section  4.02(a)(ii)(Y)(D)  hereof),  (iii) the Class A-P Principal Distribution
Amount (determined without regard to Section  4.02(b)(i)(E) hereof) and (iv) the
aggregate amount of Accrued  Certificate  Interest on the Class M, Class B-1 and
Class B-2 Certificates.

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

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

        The Fraud  Loss  Amount may be  further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency below the
lower of the then-current  rating or the rating assigned to such Certificates as
of  the  Closing  Date  by  such  Rating  Agency(without  giving  effect  to the
Certificate  Policy in the case of the Retail  Certificates)  and (ii) provide a
copy of such written confirmation to the Trustee and the Certificate Insurer.

        Group CB Loans:  The Mortgage  Loans  designated  on the  Mortgage  Loan
Schedule as Group CB Loans,  having  original  principal  balances  less than or
equal to (i)  $300,700  in the  case of  Mortgage  Loans  secured  by  mortgaged
properties  consisting of a single  dwelling unit,  (ii) $384,906 in the case of
Mortgage Loans secured by mortgaged properties consisting of two dwelling units,

                                       9
<PAGE>

(iii)  $465,200 in the case of Mortgage  Loans  secured by mortgaged  properties
consisting of three  dwelling  units,  and (iv) $578,150 in the case of Mortgage
Loans secured by mortgaged properties consisting of four dwelling units.

        Group NB Loans:  The Mortgage  Loans  designated  on the  Mortgage  Loan
Schedule as Group NB Loans,  having original  principal  balances  exceeding the
amounts  listed in clauses (i) through (iv) of the definition of Group CB Loans,
except for 20.1% of the Group NB Loans,  which have original  principal balances
that meet the restrictions  applicable to the CB Loan Group described in clauses
(i) through (iv) of the preceding sentence.

     Individual Retail  Certificate:  A Retail Certificate that evidences $1,000
Initial Certificate Principal Balance.

        Initial Monthly Payment Fund: $425,398, representing scheduled principal
amortization  and interest at the Net Mortgage Rate during the Due Period ending
on November 1, 2002,  for those Mortgage Loans for which the Trustee will not be
entitled to receive such payment.

        Initial  Notional Amount:  With respect to the Class NB-3  Certificates,
$14,969,000.  With  respect to the Class A-V  Certificates  or Subclass  thereof
issued pursuant to Section 5.01(c), the aggregate Cut-off Date Principal Balance
of the  Mortgage  Loans  corresponding  to the  Uncertificated  REMIC I  Regular
Interests Z represented by such Class or Subclass on such date.

        Initial  Subordinate  Class  Percentage:  With  respect to each Class of
Subordinate  Certificates,  an amount  which is equal to the  initial  aggregate
Certificate Principal Balance of such Class of Subordinate  Certificates divided
by the aggregate  Stated  Principal  Balance of all the Mortgage Loans as of the
Cut-off Date as follows:

        Class M-1: 2.45%.....       Class B-1: 0.25%
        Class M-2: 0.95%.....       Class B-2: 0.35%
        Class M-3: 0.70%.....       Class B-3: 0.30%

        Insurance  Premium:  With  respect  to the  Certificate  Policy  and any
Distribution  Date, an amount equal to the product of one-twelfth  (1/12) of the
"Premium  Percentage"  set forth in the  Commitment  Letter and the  Certificate
Principal  Balance  of  the  Retail  Certificates   immediately  prior  to  such
Distribution Date.

     Insured  Payment:  With respect to any Retail  Certificates,  (a) as of any
Distribution Date, any Deficiency Amount and (b) any Preference Amount.

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

     Interest Only Certificates: Any one of the Class NB-3 Certificates or Class
A-V  Certificates.  The  Interest  Only  Certificates  will have no  Certificate
Principal Balance.

     Living Owner:  A  Certificate  Owner of a Retail  Certificate  other than a
Deceased Holder.

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

                                       10
<PAGE>

     Maturity  Date:   October  25,  2032,  the  Distribution  Date  immediately
following the latest scheduled maturity date of any Mortgage Loan.

        Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached
hereto as Exhibit One (as amended  from time to time to reflect the  addition of
Qualified  Substitute  Mortgage Loans),  which list or lists shall set forth the
following information as to each Mortgage Loan:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

        Notional Amount:  As of any  Distribution  Date, (i) with respect to the
Class NB-3 Certificates, an amount equal to the Certificate Principal Balance of
the Class NB-2 Certificates immediately prior to such date, (ii) with respect to
any Class A-V  Certificates  or  Subclass  thereof  issued  pursuant  to Section
5.01(c),   the  aggregate  Stated  Principal   Balance  of  the  Mortgage  Loans
corresponding to the  Uncertificated  REMIC I Regular Interests Z represented by
such Class or Subclass immediately prior to such date.

                                       11
<PAGE>

        Pass-Through Rate: With respect to the Senior  Certificates  (other than
the Class A-V Certificates and Class A-P Certificates), Class M Certificates and
Class B Certificates and any Distribution Date, the per annum rates set forth in
the Preliminary  Statement  hereto.  With respect to the Class A-V  Certificates
(other than any Subclass thereof) and any Distribution Date, a rate equal to the
weighted  average,  expressed  as a  percentage,  of the Pool Strip Rates of all
Mortgage  Loans as of the Due Date in the related  Due  Period,  weighted on the
basis of the respective  Stated Principal  Balances of such Mortgage Loans as of
the day immediately  preceding such  Distribution  Date (or, with respect to the
initial  Distribution  Date, at the close of business on the Cut-off Date). With
respect to the Class A-V  Certificates  and the  initial  Distribution  Date the
Pass-Through Rate is equal to 0.5003% per annum. With respect to any Subclass of
Class A-V Certificates  and any Distribution  Date, a rate equal to the weighted
average,  expressed  as a  percentage,  of the Pool Strip Rates of all  Mortgage
Loans   corresponding  to  the  Uncertificated   REMIC  I  Regular  Interests  Z
represented  by such  Subclass  as of the Due Date in the  related  Due  Period,
weighted  on the  basis of the  respective  Stated  Principal  Balances  of such
Mortgage Loans as of the day immediately  preceding such  Distribution  Date (or
with respect to the initial  Distribution  Date, at the close of business on the
Cut-off Date). The Principal Only Certificates have no Pass-Through Rate and are
not entitled to Accrued Certificate Interest.

        Preference Amount:  As defined in the Certificate Policy.

        Prepayment  Assumption:   The  prepayment  assumption  to  be  used  for
determining  the  accrual of  original  issue  discount  and  premium and market
discount on the Senior,  Class M and Class B Certificates for federal income tax
purposes, which assumes a constant prepayment rate of 18.0% per annum.

        Prepayment  Distribution  Percentage:  With respect to any  Distribution
Date and the Available Distribution Amount for each Loan Group and each Class of
Subordinate  Certificates,  under the applicable  circumstances set forth below,
the respective percentages set forth below:

(i)            For any  Distribution  Date  prior  to the  Distribution  Date in
               November 2007 (unless the Certificate  Principal  Balances of the
               Class  CB  Certificates  or Class NB  Certificates  and  Residual
               Certificates, as applicable, have been reduced to zero), 0%.

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

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

                                       12
<PAGE>

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

(iii)Notwithstanding  the  foregoing,   if  the  application  of  the  foregoing
     percentages  on any  Distribution  Date as provided in Section 4.02 of this
     Series  Supplement  (determined  without  regard  to  the  proviso  to  the
     definition of "Subordinate  Principal Distribution Amount") would result in
     a  distribution  in  respect  of  principal  of any  Class  or  Classes  of
     Subordinate   Certificates   in  an  amount   greater  than  the  remaining
     Certificate Principal Balance thereof (any such class, a "Maturing Class"),
     then:  (a) the  Prepayment  Distribution  Percentage of each Maturing Class
     shall be reduced to a level that,  when applied as described  above,  would
     exactly reduce the Certificate Principal Balance of such Class to zero; (b)
     the Prepayment  Distribution  Percentage of each other Class of Subordinate
     Certificates (any such Class, a "Non-Maturing Class") shall be recalculated
     in  accordance  with the  provisions  in  paragraph  (ii) above,  as if the
     Certificate  Principal  Balance of each Maturing  Class had been reduced to
     zero (such percentage as recalculated,  the "Recalculated Percentage"); (c)
     the  total  amount  of  the  reductions  in  the  Prepayment   Distribution
     Percentages of the Maturing Class or Classes pursuant to clause (a) of this
     sentence,  expressed as an aggregate  percentage,  shall be allocated among
     the  Non-Maturing  Classes in proportion to their  respective  Recalculated
     Percentages  (the portion of such  aggregate  reduction so allocated to any
     Non-Maturing Class, the "Adjustment  Percentage");  and (d) for purposes of
     such  Distribution  Date,  the Prepayment  Distribution  Percentage of each
     Non-Maturing  Class  shall  be  equal  to the  sum of  (1)  the  Prepayment
     Distribution   Percentage  thereof,   calculated  in  accordance  with  the
     provisions in paragraph (ii) above as if the Certificate  Principal Balance
     of each Maturing  Class had not been reduced to zero,  plus (2) the related
     Adjustment Percentage.

        Principal Only Certificates:  Any one of the Class A-P Certificates.

        Random Lot: With respect to any  Distribution  Date, the method by which
the Depository will determine which Retail  Certificates will be paid, using its
established  random lot procedures or, if the Retail  Certificates are no longer
represented by a Book-Entry Certificate, using the Trustee's procedures.

        Related  Classes:  As to any  Uncertificated  REMIC I Regular  Interest,
those classes of Certificates identified as "Related Classes of Certificates" to
such Uncertificated REMIC I Regular Interest in the definition of Uncertificated
REMIC I Regular Interest.

     Relief  Act:  The  Soldiers'  and  Sailors'  Civil  Relief Act of 1940,  as
amended, or similar legislation or regulations as in effect from time to time.

     Relief Act Shortfalls:  Shortfalls in interest  payable by a Mortgagor that
is not collectible from the Mortgagor pursuant to the Relief Act.

     REMIC I: The  segregated  pool of  assets,  with  respect  to which a REMIC
election is to be made, consisting of:

                                       13
<PAGE>

               (i)    the Mortgage Loans and the related Mortgage Files,

               (ii)   all  payments and  collections  in respect of the Mortgage
                      Loans due after the Cut-off Date as shall be on deposit in
                      the Custodial  Account or in the Certificate  Account (but
                      not in the Reserve  Fund) and  identified  as belonging to
                      the  Trust  Fund,   including   the   proceeds   from  the
                      liquidation  of Additional  Collateral  for any Additional
                      Collateral  Loan, but not including  amounts on deposit in
                      the Initial Monthly Payment Fund,

               (iii)  property  which secured a Mortgage Loan and which has been
                      acquired  for the  benefit  of the  Certificateholders  by
                      foreclosure or deed in lieu of foreclosure,

               (iv)   the  hazard  insurance   policies  and  Primary  Insurance
                      Policies,  if any, the Pledged Assets with respect to each
                      Pledged  Asset  Mortgage  Loan,  and the  interest  in the
                      Surety Bond transferred to the Trustee pursuant to Section
                      2.01 herein,

               (v)  with   respect  to  the  Retail   Certificates   only,   the
                    Certificate Policy and the Rounding Account; and

               (vi)   all proceeds of clauses (i) through (v) above.

        REMIC I Certificates:  The Class R-I Certificates.

        REMIC II: The segregated pool of assets consisting of the Uncertificated
REMIC I Regular  Interests  conveyed  in trust to the Trustee for the benefit of
the  holders  of  each  Class  of   Certificates   (other  than  the  Class  R-I
Certificates)  pursuant to Section 2.06,  with respect to which a separate REMIC
election is to be made.

     REMIC II Certificates:  Any Class of Certificates (other than the Class R-I
Certificates).

        Reserve  Fund:  Any one or  more  segregated  trust  accounts  that  are
Eligible  Accounts,  which shall be titled  "Reserve  Fund,  Deutsche Bank Trust
Company Americas,  as trustee for the registered holders of Residential Accredit
Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates,  Series 2002-QS15,
Class NB-2."

        Reserve Fund Deposit:  $10,000.

        Reserve Fund Withdrawal:  As defined in Section 4.09.

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

                                       14
<PAGE>

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

     Rounding  Account:  With  respect to the Retail  Certificates,  the account
created and maintained for such Retail Certificates pursuant to Section 4.10.

        Rounding  Amount:  With respect to the Rounding  Account,  the amount of
funds,  if any,  needed  to be  withdrawn  and used to round  the  amount of any
distributions  in reduction of the Certificate  Principal  Balance of the Retail
Certificates upward to the next higher integral multiple of $1,000.

        Scheduled Final Distribution Date:  October 25, 2032.

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

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

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

        Special Hazard Amount:  As of any Distribution  Date, an amount equal to
$4,220,094  minus the sum of (i) the aggregate  amount of Special  Hazard Losses
allocated  solely to one or more specific  Classes of Certificates in accordance
with Section 4.05 of this Series  Supplement and (ii) the Adjustment  Amount (as
defined below) as most recently calculated.  For each anniversary of the Cut-off
Date, the Adjustment  Amount shall be equal to the amount,  if any, by which the
amount  calculated in accordance  with the preceding  sentence  (without  giving
effect to the deduction of the Adjustment Amount for such  anniversary)  exceeds
the greater of (A) the greatest of (i) twice the outstanding  principal  balance
of the  Mortgage  Loan in the  Trust  Fund  which  has the  largest  outstanding
principal   balance  on  the  Distribution   Date  immediately   preceding  such
anniversary,  (ii) the product of 1.00% multiplied by the outstanding  principal
balance of all Mortgage Loans on the  Distribution  Date  immediately  preceding
such anniversary and (iii) the aggregate  outstanding  principal  balance (as of
the immediately preceding Distribution Date) of the Mortgage Loans in any single
five-digit California zip code area with the largest amount of Mortgage Loans by
aggregate  principal  balance as of such  anniversary and (B) the greater of (i)
the product of 0.50%  multiplied  by the  outstanding  principal  balance of all
Mortgage Loans on the Distribution  Date immediately  preceding such anniversary
multiplied  by a  fraction,  the  numerator  of which is equal to the  aggregate
outstanding  principal  balance (as of the  immediately  preceding  Distribution
Date) of all of the Mortgage  Loans secured by Mortgaged  Properties  located in
the State of California divided by the aggregate  outstanding  principal balance
(as of the  immediately  preceding  Distribution  Date)  of all of the  Mortgage
Loans, expressed as a percentage, and the denominator of which is equal to 34.8%
(which  percentage  is equal to the  percentage  of Mortgage  Loans by aggregate
principal balance initially secured by Mortgaged Properties located in the State
of California) and (ii) the aggregate  outstanding  principal balance (as of the
immediately preceding Distribution Date) of the largest Mortgage Loan secured by
a Mortgaged  Property  (or,  with  respect to a  Cooperative  Loan,  the related
Cooperative Apartment) located in the State of California.

                                       15
<PAGE>

        The Special Hazard Amount may be further  reduced by the Master Servicer
(including  accelerating the manner in which coverage is reduced)  provided that
prior to any such  reduction,  the  Master  Servicer  shall (i)  obtain  written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency  (without
giving effect to the Certificate Policy in the case of the Retail  Certificates)
below  the  lower of the  then-current  rating or the  rating  assigned  to such
Certificates  as of the Closing  Date by such Rating  Agency and (ii)  provide a
copy of such written confirmation to the Trustee and the Certificate Insurer.

        Subordinate   Principal   Distribution   Amount:  With  respect  to  any
Distribution Date and Loan Group and each Class of Subordinate Certificates, (a)
the sum of the  following:  (i)  such  Class's  pro  rata  share,  based  on the
Certificate  Principal  Balance of each Class of Subordinate  Certificates  then
outstanding,  of the aggregate of the amounts calculated  (without giving effect
to the related Senior  Percentages) for such  Distribution  Date for the related
Loan Group under  clauses (1), (2) and (3) of Section  4.02(a)(ii)(Y)(A)  to the
extent not payable to the Senior Certificates; (ii) such Class's pro rata share,
based  on the  Certificate  Principal  Balance  of  each  Class  of  Subordinate
Certificates then outstanding, of the principal collections described in Section
4.02(a)(ii)(Y)(B)(b)  for the related Loan Group  (without  giving effect to the
related  Senior  Accelerated  Distribution   Percentages)  to  the  extent  such
collections are not otherwise distributed to the Senior Certificates;  (iii) the
product  of (x)  the  related  Prepayment  Distribution  Percentage  and (y) the
aggregate  of  all  Principal  Prepayments  in  Full  received  in  the  related
Prepayment Period and Curtailments  received in the preceding calendar month for
the  related  Loan Group  (other  than the  related  Discount  Fraction  of such
Principal  Prepayments  in Full and  Curtailments  with  respect  to a  Discount
Mortgage  Loan) to the extent not  payable to the Senior  Certificates;  (iv) if
such Class is the Class of Subordinate  Certificates  with the Highest Priority,
any Excess  Subordinate  Principal  Amount for the  related  Loan Group for such
Distribution  Date; and (v) any amounts described in clauses (i), (ii) and (iii)
as determined for any previous  Distribution Date, that remain  undistributed to
the extent that such amounts are not  attributable to Realized Losses which have
been allocated to a Class of Subordinate  Certificates minus (b) with respect to
the Class of  Subordinate  Certificates  with the  Lowest  Priority,  any Excess
Subordinate Principal Amount for such Distribution Date; provided, however, that
the  Subordinate  Principal  Distribution  Amount  for any Class of  Subordinate
Certificates on any  Distribution  Date shall in no event exceed the outstanding
Certificate Principal Balance of such Class of Certificates immediately prior to
such date.

        Trust Fund:  The assets of REMIC I and the Reserve Fund.

        Uncertificated Accrued Interest: With respect to each Distribution Date,
(i)  as to  each  Uncertificated  REMIC  I  Regular  Interest  other  than  each
Uncertificated  REMIC I Regular  Interest  Z, an amount  equal to the  aggregate
amount of Accrued Certificate  Interest that would result under the terms of the
definition  thereof on the Related Classes of  Certificates if the  Pass-Through
Rate on such Classes were equal to the Uncertificated  Pass-Through Rate on such
Uncertificated REMIC I Regular Interest,  (ii) as to each Uncertificated REMIC I
Regular  Interest  Z and each  Uncertificated  REMIC II Regular  Interest  Z, an
amount  equal to one  month's  interest  at the Pool Strip  Rate of the  related
Mortgage  Loan on the  principal  balance of such  Mortgage Loan reduced by such
Interest's  pro-rata  share  of any  prepayment  interest  shortfalls  or  other
reductions of interest allocable to the Class A-V Certificates.

                                       16
<PAGE>

        Uncertificated   Pass-Through   Rate:   With  respect  to  each  of  the
Uncertificated  REMIC I Regular  Interests  the per annum rate  specified in the
definition of  Uncertificated  REMIC I Regular  Interests.  With respect to each
Uncertificated  REMIC I  Regular  Interest  Z and each  Uncertificated  REMIC II
Regular Interest Z, the Pool Strip Rate for the related Mortgage Loan.

        Uncertificated  Principal Balance:  With respect to each  Uncertificated
REMIC I Regular Interest, as defined in the definition of Uncertificated REMIC I
Regular Interest.

        Uncertificated  REMIC I Regular Interests:  The  Uncertificated  REMIC I
Regular  Interests Z together with the interests  identified in the table below,
each  representing an undivided  beneficial  ownership  interest in REMIC I, and
having the following characteristics:

     1.   The principal balance from time to time of each Uncertificated REMIC I
          Regular  Interest  identified  in the table  below shall be the amount
          identified  as the Initial  Principal  Balance  thereof in such table,
          minus  (ii) the sum of (x) the  aggregate  of all  amounts  previously
          deemed distributed with respect to such interest and applied to reduce
          the  Uncertificated  Principal  Balance  thereof  pursuant  to Section
          10.04(a)(ii)  and (y) the aggregate of all  reductions in  Certificate
          Principal  Balance deemed to have occurred in connection with Realized
          Losses that were  previously  deemed  allocated to the  Uncertificated
          Principal  Balance  of such  Uncertificated  REMIC I Regular  Interest
          pursuant to Section  10.04(d),  which equals the  aggregate  principal
          balance of the Classes of  Certificates  identified as related to such
          Uncertificated REMIC I Regular Interest in such table.

     2.   The Uncertificated  Pass-Through Rate for each Uncertificated  REMIC I
          Regular Interest  identified in the table below shall be the per annum
          rate set forth in the Pass-Through Rate column of such table.

     3.   The  Uncertificated  REMIC I  Distribution  Amount  for  each  REMIC I
          Regular  Interest  identified  in the table  below  shall be,  for any
          Distribution  Date, the amount deemed distributed with respect to such
          Uncertificated  REMIC I Regular  Interest  on such  Distribution  Date
          pursuant to the provisions of Section 10.04(a).

<TABLE>
<CAPTION>

----------------------- --------------------------------- ------------------- -------------------
 Uncertificated REMIC   Related Classes of Certificates   Pass-Through Rate   Initial Principal
  I Regular Interest                                                               Balance
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
<S>                              <C>         <C>          <C>                     <C>
          W             Class NB-2, Class NB-3            6.00%                   $   14,969,000
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          X             Class A-P                         0.00%                   $   304,811.77
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          Y             Class CB, Class NB-1, Class       6.00%                  $406,735,525.30
                        R-II, Class M-1, Class M-2,
                        Class M-3, Class B-1, Class
                        B-2, Class B-3
----------------------- --------------------------------- ------------------- -------------------
</TABLE>

        Uncertificated   REMIC  I  Regular   Interests  Z:  Each  of  the  2,201
uncertificated  partial undivided  beneficial  ownership  interests in the Trust
Fund,  numbered  sequentially  from 1 to 2,201,  each relating to the particular

                                       17
<PAGE>

Mortgage  Loan  identified  by  such  sequential  number  on the  Mortgage  Loan
Schedule,  each having no principal  balance,  and each bearing  interest at the
respective  Pool  Strip  Rate on the Stated  Principal  Balance  of the  related
Mortgage Loan.

        Uncertificated  REMIC I Regular  Interests Z Distribution  Amount:  With
respect  to  any  Distribution  Date,  the  sum  of  the  amounts  deemed  to be
distributed  on  the  Uncertificated  REMIC  I  Regular  Interests  Z  for  such
Distribution Date pursuant to Section 10.04(a).

        Uncertificated  REMIC I  Regular  Interest  Distribution  Amounts:  With
respect  to each  Uncertificated  REMIC  I  Regular  Interest,  other  than  the
Uncertificated  REMIC  I  Regular  Interests  Z,  the  amount  specified  as the
Uncertificated REMIC I Regular Interest Distribution Amount with respect thereto
in the definition of Uncertificated  REMIC I Regular Interests.  With respect to
the  Uncertificated  REMIC I Regular  Interests  Z, the  Uncertificated  REMIC I
Regular Interests Z Distribution Amount.

        Uncertificated   REMIC  II  Regular  Interests  Z:  Each  of  the  2,201
uncertificated  partial  undivided  beneficial  ownership  interests in REMIC II
numbered  sequentially  from 1 through  2,201 each  relating to the  identically
numbered  Uncertificated  REMIC I Regular  Interests Z, each having no principal
balance and bearing  interest at a rate equal to the related  Pool Strip Rate on
the Stated  Principal  Balance of the Mortgage  Loan related to the  identically
numbered   Uncertificated   REMIC  I  Regular   Interests  Z,   comprising  such
Uncertificated  REMIC II  Regular  Interests  Z's pro rata  share of the  amount
distributed pursuant to Sections 10.04(a).

        Uncertificated  REMIC II Regular  Interests  Distribution  Amount:  With
respect  to  any  Distribution  Date,  the  sum  of  the  amounts  deemed  to be
distributed  on  the  Uncertificated  REMIC  I  Regular  Interests  Z  for  such
Distribution Date pursuant to Section 10.04(a).

        Underwriter:  Salomon Smith Barney Inc.

Section 1.02.  Use of Words and Phrases.

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

                                       18
<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;

                        ORIGINAL ISSUANCE OF CERTIFICATES

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

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

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

(a) For  representations,  warranties and covenants of the Master Servicer,  see
Section 2.03(a) of the Standard Terms.

(b) The Company hereby represents and warrants to the Trustee for the benefit of
Certificateholders  that as of the  Closing  Date (or,  if  otherwise  specified
below, as of the date so specified):

(i)     No Mortgage  Loan is 30 or more days  Delinquent in payment of principal
        and  interest  as of the Cut-off  Date and no Mortgage  Loan has been so
        Delinquent  more than once in the  12-month  period prior to the Cut-off
        Date;

(ii)    The  information  set forth in Exhibit One hereto  with  respect to each
        Mortgage  Loan or the  Mortgage  Loans,  as the case may be, is true and
        correct in all material  respects at the date or dates  respecting which
        such information is furnished;

(iii)   The Mortgage Loans are fully-amortizing,  fixed-rate mortgage loans with
        level  Monthly  Payments due, with respect to a majority of the Mortgage
        Loans,  on the  first  day of  each  month  and  terms  to  maturity  at
        origination or modification of not more than 30 years;

(iv) To the best of the Company's  knowledge,  except with respect to 5 Mortgage
     Loans,  representing  approximately  0.2% of the  principal  balance of the
     Mortgage Loans at origination, if a Mortgage Loan is secured by a Mortgaged
     Property with a  Loan-to-Value  Ratio at origination in excess of 80%, such
     Mortgage Loan is the subject of a Primary Insurance Policy that insures (a)
     at least  35% of the  Stated  Principal  Balance  of the  Mortgage  Loan at
     origination if the Loan-to-Value  Ratio is between 100.00% and 95.01%,  (b)
     at least  30% of the  Stated  Principal  Balance  of the  Mortgage  Loan at
     origination if the Loan-to-Value Ratio is between 95.00% and 90.01%, (c) at
     least 25% of such balance if the Loan-to-Value  Ratio is between 90.00% and
     85.01% and (d) at least 12% of such balance if the  Loan-to-Value  Ratio is
     between  85.00% and 80.01%.  To the best of the Company's  knowledge,  each
     such Primary  Insurance  Policy is in full force and effect and the Trustee
     is entitled to the benefits thereunder;

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

                                       19
<PAGE>

(vi) No more  than  0.6% of the  Group CB Loans by  aggregate  Stated  Principal
     Balance as of the Cut-off Date are secured by Mortgaged  Properties located
     in any one zip code area in California,  and no more than 0.4% of the Group
     CB Loans by aggregate Stated  Principal  Balance as of the Cut-off Date are
     secured by  Mortgaged  Properties  located in any one zip code area outside
     California; and no more than 1.0% of the Group NB Loans by aggregate Stated
     Principal  Balance  as  of  the  Cut-off  Date  are  secured  by  Mortgaged
     Properties located in any one zip code area in California, and no more than
     0.5% of the Group NB Loans by aggregate Stated Principal  Balance as of the
     Cut-off  Date are secured by  Mortgaged  Properties  located in any one zip
     code area outside California;

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

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

(ix) Approximately  63.27% of the Group CB Loans by aggregate  Stated  Principal
     Balance  as of the  Cut-off  Date were  underwritten  under a reduced  loan
     documentation  program,  approximately  17.84%  of the  Group  CB  Loans by
     aggregate Stated Principal Balance as of the Cut-off Date were underwritten
     under a no-stated income program,  and approximately  3.34% of the Group CB
     Loans by  aggregate  Stated  Principal  Balance as of the Cut-off Date were
     underwritten under a no income/no asset program;  and approximately  46.64%
     of the  Group NB Loans by  aggregate  Stated  Principal  Balance  as of the
     Cut-off Date were underwritten under a reduced loan documentation  program,
     approximately  13.48% of the Group NB Loans by aggregate  Stated  Principal
     Balance as of the Cut-off Date were  underwritten  under a no-stated income
     program,  and 2.90% of the  Group NB Loans by  aggregate  Stated  Principal
     Balance as of the Cut-off Date were underwritten under a no income/no asset
     program;

(x)  Except  with  respect  to  approximately  28.55%  of the  Group CB Loans by
     aggregate   Stated   Principal   Balance  as  of  the  Cut-off  Date,   and
     approximately  11.49% of the Group NB Loans by aggregate  Stated  Principal
     Balance as of the  Cut-off  Date,  the  Mortgagor  represented  in its loan
     application  with respect to the related  Mortgage  Loan that the Mortgaged
     Property would be owner-occupied;

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

                                       20
<PAGE>

(xii)   Each  Mortgage  Loan  constitutes  a qualified  mortgage  under  Section
        860G(a)(3)(A)   of   the   Code   and   Treasury   Regulations   Section
        1.860G-2(a)(1);

(xiii)  A policy of title  insurance  was  effective  as of the  closing of each
        Mortgage  Loan and is valid and  binding  and  remains in full force and
        effect, unless the Mortgaged Properties are located in the State of Iowa
        and an  attorney's  certificate  has been  provided as  described in the
        Program Guide;

(xiv)   None of the  Mortgage  Loans is a  Cooperative  Loan;  with respect to a
        Mortgage Loan that is a Cooperative  Loan, the Cooperative Stock that is
        pledged  as  security  for the  Mortgage  Loan is held by a person  as a
        tenant-stockholder  (as  defined  in  Section  216  of  the  Code)  in a
        cooperative housing corporation (as defined in Section 216 of the Code);

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

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

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

(xviii) No more  than  0.1% of the Group CB Loans and none of the Group NB Loans
        by aggregate Stated  Principal  Balance as of the Cut-off Date will have
        been made to International  Borrowers, and no such Mortgagor is a member
        of a foreign diplomatic mission with diplomatic rank;

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

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

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

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

                                       21
<PAGE>

event of a breach  of the  representation  and  warranty  set  forth in  Section
2.03(b)(xii),  the party  discovering  such breach shall give such notice within
five days of discovery. Within 90 days of its discovery or its receipt of notice
of  breach,  the  Company  shall  either  (i) cure such  breach in all  material
respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section  2.02;  provided  that the  Company
shall have the option to  substitute  a Qualified  Substitute  Mortgage  Loan or
Loans  for such  Mortgage  Loan if such  substitution  occurs  within  two years
following the Closing Date;  provided that if the omission or defect would cause
the Mortgage Loan to be other than a "qualified  mortgage" as defined in Section
860G(a)(3) of the Code,  any such cure or  repurchase  must occur within 90 days
from the date  such  breach  was  discovered.  Any  such  substitution  shall be
effected  by the  Company  under the same terms and  conditions  as  provided in
Section 2.04 for  substitutions  by  Residential  Funding.  It is understood and
agreed that the  obligation of the Company to cure such breach or to so purchase
or  substitute  for any Mortgage Loan as to which such a breach has occurred and
is continuing shall constitute the sole remedy  respecting such breach available
to the  Certificateholders  or the Trustee on behalf of the  Certificateholders.
Notwithstanding  the  foregoing,  the  Company  shall  not be  required  to cure
breaches  or  purchase  or  substitute  for  Mortgage  Loans as provided in this
Section  2.03(b) if the  substance of the breach of a  representation  set forth
above also constitutes fraud in the origination of the Mortgage Loan.

Section 2.04.  Representations  and Warranties of Sellers.  (See Section 2.04 of
     the Standard Terms)

Section  2.05.  Execution  and  Authentication  of  Certificates/   Issuance  of
     Certificates Evidencing Interests in REMIC I Certificates.

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

Section  2.06.  Conveyance  of  Uncertificated  REMIC  I and  REMIC  II  Regular
Interests; Acceptance by the Trustee.

        The Company, as of the Closing Date, and concurrently with the execution
and delivery hereof,  does hereby assign without  recourse all the right,  title
and  interest  of the  Company  in and to the  Uncertificated  REMIC  I  Regular
Interests  to the  Trustee  for the  benefit  of the  Holders  of each  Class of
Certificates (other than the Class R-I Certificates).  The Trustee  acknowledges
receipt of the  Uncertificated  REMIC I Regular  Interests  and declares that it
holds and will hold the same in trust for the  exclusive  use and benefit of all
present and future Holders of each Class of  Certificates  (other than the Class
R-I  Certificates).  The rights of the  Holders  of each  Class of  Certificates
(other  than the Class  R-I  Certificates)  to  receive  distributions  from the
proceeds of REMIC II in respect of such Classes,  and all ownership interests of
the Holders of such Classes in such distributions, shall be as set forth in this
Agreement.

                                       22
<PAGE>

Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.

        The Trustee  acknowledges  the  assignment  to it of the  Uncertificated
REMIC I Regular Interests and, concurrently  therewith and in exchange therefor,
pursuant  to the written  request of the  Company  executed by an officer of the
Company,  the Trustee has executed and caused to be authenticated  and delivered
to or upon the order of the Company, all Classes of Certificates (other than the
Class R-I Certificates) in authorized denominations, which evidence ownership of
the entire REMIC II.

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

                                       23
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

                     (SEE ARTICLE III OF THE STANDARD TERMS)

Section 3.01.  Master  Servicer to Act as  Servicer.  (See  Section  3.01 of the
     Standard Terms)

Section 3.02.  Subservicing Agreements Between Master Servicer and Subservicers;
     Enforcement of Subservicers' and Sellers' Obligations. (See Section 3.02 of
     the Standard Terms)

Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms)

Section  3.04.  Liability  of the  Master  Servicer.  (See  Section  3.04 of the
     Standard Terms)

Section 3.05. No Contractual  Relationship  Between  Subservicer  and Trustee or
     Certificateholders. (See Section 3.05 of the Standard Terms)

Section 3.06.  Assumption or Termination of Subservicing  Agreements by Trustee.
     (See Section 3.06 of the Standard Terms)

Section  3.07.  Collection  of  Certain  Mortgage  Loan  Payments;  Deposits  to
     Custodial Account.

(a) The Master  Servicer shall make  reasonable  efforts to collect all payments
called for under the terms and provisions of the Mortgage  Loans,  and shall, to
the extent such procedures shall be consistent with this Agreement and the terms
and provisions of any related Primary Insurance  Policy,  follow such collection
procedures as it would employ in its good faith business  judgment and which are
normal and usual in its general mortgage servicing  activities.  Consistent with
the  foregoing,  the Master  Servicer may in its  discretion  (i) waive any late
payment charge or any prepayment  charge or penalty  interest in connection with
the  prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due
on a Mortgage Loan in accordance with the Program Guide; provided, however, that
the Master Servicer shall first determine that any such waiver or extension will
not impair the coverage of any related  Primary  Insurance  Policy or materially
adversely  affect  the lien of the  related  Mortgage.  In the event of any such
arrangement,  the Master  Servicer  shall make  timely  advances  on the related
Mortgage Loan during the scheduled  period in accordance  with the  amortization
schedule of such  Mortgage Loan without  modification  thereof by reason of such
arrangements  unless  otherwise  agreed  to by the  Holders  of the  Classes  of
Certificates affected thereby;  provided,  however, that no such extension shall
be made if any such advance would be a Nonrecoverable  Advance.  Consistent with
the terms of this Agreement,  the Master Servicer may also waive, modify or vary
any  term  of any  Mortgage  Loan  or  consent  to the  postponement  of  strict
compliance with any such term or in any manner grant indulgence to any Mortgagor
if  in  the  Master   Servicer's   determination   such  waiver,   modification,
postponement  or  indulgence is not  materially  adverse to the interests of the
Certificateholders  (taking into account any estimated  Realized Loss that might
result absent such action); provided,  however, that the Master Servicer may not

                                       24
<PAGE>

modify  materially  or permit  any  Subservicer  to modify  any  Mortgage  Loan,
including  without  limitation any  modification  that would change the Mortgage
Rate,  forgive the payment of any  principal or interest  (unless in  connection
with the  liquidation of the related  Mortgage Loan or except in connection with
prepayments to the extent that such  reamortization is not inconsistent with the
terms of the Mortgage  Loan), or extend the final maturity date of such Mortgage
Loan,  unless such Mortgage Loan is in default or, in the judgment of the Master
Servicer, such default is reasonably foreseeable; and provided, further, that no
such  modification  shall reduce the interest  rate on a Mortgage Loan below the
sum of the Pool Strip Rate,  the sum of the rates at which the Servicing Fee and
the Subservicing Fee with respect to such Mortgage Loan accrues, and the rate at
which the Insurance  Premium  accrues.  In connection  with any Curtailment of a
Mortgage  Loan, the Master  Servicer,  to the extent not  inconsistent  with the
terms of the Mortgage Note and local law and  practice,  may permit the Mortgage
Loan to be  reamortized  such that the  Monthly  Payment is  recalculated  as an
amount that will fully amortize the remaining Stated  Principal  Balance thereof
by the original  Maturity Date based on the original  Mortgage  Rate;  provided,
that  such  re-amortization  shall not be  permitted  if it would  constitute  a
reissuance of the Mortgage Loan for federal income tax purposes,  except if such
reissuance is described in Treasury Regulation Section 1.860G-2(b)(3).

        (b) - (d). (See Section 3.07(b) -(d) of the Standard Terms)

Section 3.08.  Subservicing Accounts;  Servicing Accounts.  (See Section 3.08 of
     the Standard Terms)

Section 3.09.  Access to Certain  Documentation  and  Information  Regarding the
     Mortgage Loans. (See Section 3.09 of the Standard Terms)

Section 3.10.  Permitted  Withdrawals from the Custodial  Account.  (See Section
     3.10 of the Standard Terms)

Section  3.11.  Maintenance  of  the  Primary  Insurance  Policies;  Collections
     Thereunder. (See Section 3.11 of the Standard Terms)

Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage.
     (See Section 3.12 of the Standard Terms)

Section 3.13.  Enforcement of Due-on-Sale  Clauses;  Assumption and Modification
     Agreements; Certain Assignments. (See Section 3.13 of the Standard Terms)

Section 3.14.  Realization Upon Defaulted  Mortgage Loans.  (See Section 3.14 of
     the Standard Terms)

Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15
     of the Standard Terms)

Section 3.16.  Servicing and Other  Compensation;  Compensating  Interest.  (See
     Section 3.16 of the Standard Terms)

Section 3.17.  Reports to the Trustee and the Company.  (See Section 3.17 of the
     Standard Terms)

                                       25
<PAGE>

Section 3.18.  Annual  Statement  as to  Compliance.  (See  Section  3.18 of the
     Standard Terms)

Section 3.19. Annual  Independent  Public  Accountants'  Servicing Report.  (See
     Section 3.19 of the Standard Terms)

Section 3.20.  Rights of the  Company in Respect  of the Master  Servicer.  (See
     Section 3.20 of the Standard Terms)

Section 3.21. Administration of Buydown Funds. (See Section 3.21 of the Standard
     Terms)

                                       26
<PAGE>

                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

Section 4.01.  Certificate Account.

        (a) (See Section 4.01(a) of the Standard Terms)

        (b) (See Section 4.01(b) of the Standard Terms)

(c) On the Closing Date, the Master Servicer shall deposit with the Trustee, and
the Trustee shall cause to be deposited into the Certificate  Account, an amount
equal to $343,000,  which amount will be included in the Available  Distribution
Amount for the Group CB Loans on the first  Distribution Date and treated as the
principal  portion of the  Purchase  Price of a Group CB Loan  purchased  in the
month of October 2002. On the Certificate Account Deposit Date in November 2002,
the Master Servicer shall deposit with the Trustee,  and the Trustee shall cause
to be deposited  into the  Certificate  Account,  an additional  amount equal to
$1,794.90,  which amount will be included in the Available  Distribution  Amount
for the  Group CB Loans  on the  first  Distribution  Date  and  treated  as the
interest portion of the Purchase Price of a Group CB Loan purchased in the month
of October 2002.

Section 4.02.  Distributions.

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

                                       27
<PAGE>

Reserve Fund Withdrawal  pursuant to Section 4.09 of this Series  Supplement and
any Insured Payment pursuant to Section 12.02 of this Series Supplement:

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

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

                      (Z) from the Available  Distribution  Amount  derived from
        the related Loan Group, on a parity with the  distributions  in Sections
        4.02(a)(i)(X)  and  4.02(a)(i)(Y),  as  applicable,  to  the  Class  A-V
        Certificates  (or  Subclasses,  if any) in proportion to the  respective
        amounts of Accrued  Certificate  Interest thereon derived from each Loan
        Group,  Accrued  Certificate  Interest on the Class A-V Certificates (or
        Subclasses,  if any) with respect to such  Distribution Date and derived
        from the related  Loan  Group,  plus any  Accrued  Certificate  Interest
        thereon  remaining  unpaid  from any  previous  Distribution  Date  with
        respect to such Loan Group  except as provided in the last  paragraph of
        this Section 4.02(a);

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

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

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

     (1)  the principal  portion of each Monthly  Payment due during the related
          Due Period on each Outstanding Mortgage Loan in the related Loan Group
          (other than the related Discount  Fraction of the principal portion of
          such payment with respect to a Discount Mortgage Loan), whether or not
          received  on or prior to the  related  Determination  Date,  minus the
          principal  portion  of any  Debt  Service  Reduction  (other  than the

                                       28
<PAGE>

          related  Discount  Fraction  of the  principal  portion  of such  Debt
          Service  Reductions with respect to each Discount Mortgage Loan) which
          together with other Bankruptcy Losses exceeds the Bankruptcy Amount;

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

     (3)  the  principal  portion  of all  other  unscheduled  collections  with
          respect to the related Loan Group (other than Principal Prepayments in
          Full and  Curtailments  and amounts received in connection with a Cash
          Liquidation or REO Disposition of a Mortgage Loan described in Section
          4.02(a)(ii)(Y)(B)   of  this  Series  Supplement,   including  without
          limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds),
          including  Subsequent   Recoveries,   received  during  the  preceding
          calendar month (or deemed to have been so received in accordance  with
          Section  3.07(b) of the Standard  Terms) to the extent  applied by the
          Master  Servicer as  recoveries  of principal of the related  Mortgage
          Loan  pursuant to Section 3.14 of the  Standard  Terms (other than the
          related Discount Fraction of the principal portion of such unscheduled
          collections, with respect to each Discount Mortgage Loan);

(B)  with  respect to each  Mortgage  Loan in the related Loan Group for which a
     Cash  Liquidation  or a  REO  Disposition  occurred  during  the  preceding
     calendar  month  (or was  deemed to have  occurred  during  such  period in
     accordance  with Section  3.07(b) of the Standard Terms) and did not result
     in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy
     Losses or  Extraordinary  Losses,  an amount equal to the lesser of (a) the
     related  Senior  Percentage  for such  Distribution  Date  times the Stated
     Principal  Balance of such Mortgage  Loan (other than the related  Discount
     Fraction of such Stated  Principal  Balance,  with respect to each Discount
     Mortgage  Loan)  and  (b)  the  related  Senior  Accelerated   Distribution
     Percentage  for  such  Distribution  Date  times  the  related  unscheduled
     collections  (including without limitation Insurance Proceeds,  Liquidation
     Proceeds and REO Proceeds) to the extent applied by the Master  Servicer as
     recoveries  of principal of the related  Mortgage  Loan pursuant to Section
     3.14 of the  Standard  Terms (in each case other  than the  portion of such
     unscheduled collections, with respect to a Discount Mortgage Loan, included
     in Section 4.02(b)(i)(C) of this Series Supplement);

(C)  the  related   Senior   Accelerated   Distribution   Percentage   for  such
     Distribution Date times the aggregate of all Principal  Prepayments in Full

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<PAGE>

     with respect to the related Loan Group  received in the related  Prepayment
     Period and Curtailments  with respect to the related Loan Group received in
     the preceding  calendar month (other than the related Discount  Fraction of
     such Principal  Prepayments in Full and Curtailments,  with respect to each
     Discount Mortgage Loan);

(D)  any  portion  of  the  Excess   Subordinate   Principal   Amount  for  such
     Distribution Date allocated to the related Loan Group; and

(E)  any amounts  described in subsection  (ii)(Y),  clauses (A), (B) and (C) of
     this Section  4.02(a),  as determined for any previous  Distribution  Date,
     which remain unpaid after  application  of amounts  previously  distributed
     pursuant  to this  clause  (E) to the  extent  that  such  amounts  are not
     attributable   to  Realized   Losses  which  have  been  allocated  to  the
     Subordinate Certificates; and

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

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

(iv)    if the Certificate  Principal  Balances of the Subordinate  Certificates
        have not been reduced to zero, to the Master Servicer or a Sub-Servicer,
        by remitting for deposit to the Custodial Account,  to the extent of and
        in reimbursement  for any Advances or Sub-Servicer  Advances  previously
        made with  respect to any  Mortgage  Loan or REO  Property  which remain
        unreimbursed  in whole or in part following the Cash  Liquidation or REO

                                       30
<PAGE>

        Disposition  of such  Mortgage  Loan or REO  Property,  minus  any  such
        Advances that were made with respect to  delinquencies  that  ultimately
        constituted  Excess Special Hazard Losses,  Excess Fraud Losses,  Excess
        Bankruptcy Losses or Extraordinary Losses;

(v)     to the Holders of the Class M-1  Certificates,  the Accrued  Certificate
        Interest   thereon  for  such   Distribution   Date,  plus  any  Accrued
        Certificate   Interest  thereon   remaining  unpaid  from  any  previous
        Distribution Date, except as provided below;

(vi)    to the Holders of the Class M-1 Certificates, an amount equal to (x) the
        Subordinate Principal Distribution Amount for such Class of Certificates
        for each Loan Group for such Distribution  Date, minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts available pursuant to clause (x) of Sections 4.02(a)(viii), (x),
        (xii),  (xiv), (xv) and (xvi) of this Series Supplement are insufficient
        therefor,  applied in reduction of the Certificate  Principal Balance of
        the Class M-1 Certificates;

(vii)   to the Holders of the Class M-2  Certificates,  the Accrued  Certificate
        Interest   thereon  for  such   Distribution   Date,  plus  any  Accrued
        Certificate   Interest  thereon   remaining  unpaid  from  any  previous
        Distribution Date, except as provided below;

(viii)  to the Holders of the Class M-2 Certificates, an amount equal to (x) the
        Subordinate Principal Distribution Amount for such Class of Certificates
        for each Loan Group for such Distribution  Date, minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts available pursuant to clause (x) of Sections 4.02(a) (x), (xii),
        (xiv), (xv) and (xvi) are insufficient therefor, applied in reduction of
        the Certificate Principal Balance of the Class M-2 Certificates;

(ix)    to the Holders of the Class M-3  Certificates,  the Accrued  Certificate
        Interest   thereon  for  such   Distribution   Date,  plus  any  Accrued
        Certificate   Interest  thereon   remaining  unpaid  from  any  previous
        Distribution Date, except as provided below;

(x)     to the Holders of the Class M-3 Certificates, an amount equal to (x) the
        Subordinate Principal Distribution Amount for such Class of Certificates
        for each Loan Group for such  Distribution  Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts  available  pursuant  to clause  (x) of  Sections  4.02(a)(xii),
        (xiv), (xv) and (xvi) are insufficient therefor, applied in reduction of
        the Certificate Principal Balance of the Class M-3 Certificates;
(xi)    to the Holders of the Class B-1  Certificates,  the Accrued  Certificate
        Interest   thereon  for  such   Distribution   Date,  plus  any  Accrued
        Certificate   Interest  thereon   remaining  unpaid  from  any  previous
        Distribution Date, except as provided below;

(xii)   to the Holders of the Class B-1 Certificates, an amount equal to (x) the
        Subordinate Principal Distribution Amount for such Class of Certificates
        for each Loan Group for such  Distribution  Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the

                                       31
<PAGE>

        amounts available pursuant to clause (x) of Sections 4.02(a)(xiv),  (xv)
        and  (xvi)  are  insufficient  therefor,  applied  in  reduction  of the
        Certificate Principal Balance of the Class B-1 Certificates;

(xiii)  to the Holders of the Class B-2  Certificates,  the Accrued  Certificate
        Interest   thereon  for  such   Distribution   Date,  plus  any  Accrued
        Certificate   Interest  thereon   remaining  unpaid  from  any  previous
        Distribution Date, except as provided below;

(xiv)   to the Holders of the Class B-2 Certificates, an amount equal to (x) the
        Subordinate Principal Distribution Amount for such Class of Certificates
        for each Loan Group for such  Distribution  Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts  available  pursuant to clause (x) of Sections  4.02(a)(xv)  and
        (xvi) are insufficient therefor, applied in reduction of the Certificate
        Principal Balance of the Class B-2 Certificates;

(xv)    to the Holders of the Class B-3 Certificates, an amount equal to (x) the
        Accrued  Certificate  Interest thereon for such Distribution  Date, plus
        any  Accrued  Certificate  Interest  thereon  remaining  unpaid from any
        previous  Distribution  Date,  except as provided  below,  minus (y) the
        amount of any Class A-P Collection Shortfalls for such Distribution Date
        or remaining unpaid for all previous  Distribution  Dates, to the extent
        the amounts  available  pursuant to clause (x) of Section  4.02(a) (xvi)
        are insufficient therefor;

(xvi)   to the Holders of the Class B-3 Certificates, an amount equal to (x) the
        Subordinate Principal Distribution Amount for such Class of Certificates
        for each Loan Group for such  Distribution  Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining  unpaid  for  all  previous   Distribution  Dates  applied  in
        reduction  of  the  Certificate  Principal  Balance  of  the  Class  B-3
        Certificates;

(xvii)  to   the    Certificate    Insurer,    as   subrogee   of   the   Retail
        Certificateholders,  an amount  necessary to reimburse  the  Certificate
        Insurer for claims paid under the Certificate  Policy,  to the extent of
        Cumulative Insurance Payments on the Retail Certificates;

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

                                       32
<PAGE>

        no event more than the outstanding Certificate Principal Balance of each
        such Class of Subordinate Certificates; and

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

        Notwithstanding the foregoing, on any Distribution Date, with respect to
the Class of Subordinate Certificates outstanding on such Distribution Date with
the Lowest Priority, or in the event the Subordinate  Certificates are no longer
outstanding,  the Senior  Certificates,  Accrued  Certificate  Interest  thereon
remaining unpaid from any previous  Distribution Date will be distributable only
to the extent that such unpaid Accrued Certificate  Interest was attributable to
interest  shortfalls  relating to the failure of the Master Servicer to make any
required Advance,  or the determination by the Master Servicer that any proposed
Advance would be a  Nonrecoverable  Advance with respect to the related Mortgage
Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation
or REO Disposition or the related Liquidation  Proceeds,  Insurance Proceeds and
REO Proceeds have not yet been distributed to the Certificateholders.

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

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

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

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

(C)  in connection  with the Cash  Liquidation or REO  Disposition of a Discount
     Mortgage  Loan that did not result in any  Excess  Special  Hazard  Losses,
     Excess Fraud Losses,  Excess Bankruptcy Losses or Extraordinary  Losses, an
     amount equal to the lesser of (1) the applicable  Discount  Fraction of the

                                       33
<PAGE>

     Stated Principal  Balance of such Discount  Mortgage Loan immediately prior
     to such  Distribution  Date and (2) the aggregate amount of the collections
     on such Mortgage Loan to the extent applied as recoveries of principal;

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

(E)  the amount of any Class A-P  Collection  Shortfalls  for such  Distribution
     Date and the amount of any Class A-P Collection Shortfalls remaining unpaid
     for all previous Distribution Dates, but only to the extent of the Eligible
     Funds for such Distribution Date;

(ii)    second,  concurrently with the  distributions  described in clause (iii)
        below, from the Available Distribution Amount for the CB Loan Group, the
        Class CB Principal Distribution Amount shall be distributed to the Class
        CB Certificates until the Certificate Principal Balance thereof has been
        reduced to zero; and

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

                      (A)    first,  concurrently to the Class R-I  Certificates
                             and Class R-II Certificates, on a pro rata basis in
                             accordance   with  their   respective   Certificate
                             Principal Balances, until the Certificate Principal
                             Balances thereof have been reduced to zero;

                      (B)    second,  beginning  on  the  Distribution  Date  in
                             November  2005, an amount equal to $15,000,  to the
                             extent available,  to the Class NB-2  Certificates,
                             until  the  Certificate  Principal  Balance  of the
                             Class NB-2 Certificates has been reduced to zero;

                      (C)    third,  to the Class NB-1  Certificates,  until the
                             Certificate  Principal  Balance  of the Class  NB-1
                             Certificates has been reduced to zero; and

                      (D)    fourth, to the Class NB-2  Certificates,  until the
                             Certificate  Principal  Balance  of the Class  NB-2
                             Certificates has been reduced to zero.

Any amounts  paid under the  Certificate  Policy  pursuant  to Section  12.02 in
respect  of  principal  shall  be  distributed  to the  Holders  of  the  Retail
Certificates only.

(c) Prior to the occurrence of the Credit  Support  Depletion Date but after the
reduction of the Certificate  Principal Balances of the Class CB Certificates or
Class NB Certificates and Residual  Certificates to zero, the remaining Class CB
Certificates or Class NB Certificates and Residual Certificates,  as applicable,
will be entitled to receive, in addition to any Mortgagor prepayments related to
such Certificates'  respective Loan Group, 100% of the Mortgagor  prepayments on

                                       34
<PAGE>

the  Mortgage  Loans  in the  other  Loan  Group,  and in  accordance  with  the
priorities  set forth in clause (b) above,  and in reduction of the  Certificate
Principal  Balances  thereof,  on any Distribution  Date unless (i) the weighted
average of the  Subordinate  Percentages  for both Loan Groups,  weighted on the
basis of the Stated Principal Balances of the Mortgage Loans in the related Loan
Group,  is at least two times the  weighted  average of the initial  Subordinate
Percentages  for  both  Loan  Groups  (calculated  on such  basis)  and (ii) the
outstanding  principal  balance  of the  Mortgage  Loans  in  both  Loan  Groups
delinquent 60 days or more averaged over the last six months, as a percentage of
the  aggregate  outstanding  Certificate  Principal  Balance of the  Subordinate
Certificates,  is less than 50%. In addition,  on any Distribution Date prior to
the Credit Support Depletion Date on which the aggregate  Certificate  Principal
Balance  of the Class CB  Certificates  or Class NB  Certificates  and  Residual
Certificates,  as  applicable,  is greater than the aggregate  Stated  Principal
Balance  of the  Mortgage  Loans in the  related  Loan  Group in each case after
giving effect to distributions to be made on such Distribution Date, 100% of the
Mortgagor prepayments allocable to the Subordinate  Certificates on the Mortgage
Loans in the other Loan Group  will be  distributed  to such class or classes of
Class CB  Certificates or Class NB Certificates  and Residual  Certificates,  as
applicable, and in accordance with the priorities set forth in clause (b) above,
and in  reduction  of the  Certificate  Principal  Balances  thereof,  until the
aggregate Certificate Principal Balance of such Class or Classes of Certificates
equals the  aggregate  Stated  Principal  Balance of the  Mortgage  Loans in the
related Loan Group.

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

(e) After the  reduction  of the  Certificate  Principal  Balances of the Senior
Certificates  (other than the Class A-P  Certificates)  to zero but prior to the
Credit Support Depletion Date, the Senior Certificates (other than the Class A-P
Certificates) will be entitled to no further  distributions of principal thereon
and the Available Distribution Amount for each Loan Group will be paid solely to
the holders of the Class A-P, Class A-V and  Subordinate  Certificates,  in each
case as described herein.

(f) In addition to the foregoing  distributions,  with respect to any Subsequent
Recoveries,  the Master  Servicer  shall  deposit such funds into the  Custodial
Account  pursuant to Section  3.07(b)(iii).  If,  after taking into account such
Subsequent  Recoveries,  the amount of a Realized Loss is reduced, the amount of
such Subsequent Recoveries will be applied to increase the Certificate Principal
Balance of the Class of Subordinate  Certificates  with a Certificate  Principal

                                       35
<PAGE>

Balance  greater than zero with the highest  payment  priority to which Realized
Losses, other than Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special
Hazard Losses and  Extraordinary  Losses,  have been allocated,  but not by more
than the  amount  of  Realized  Losses  previously  allocated  to that  Class of
Certificates  pursuant to Section 4.05.  The amount of any remaining  Subsequent
Recoveries  will be  applied to  increase  from zero the  Certificate  Principal
Balance of the Class of Certificates with the next lower payment priority, up to
the amount of Realized Losses previously allocated to that Class of Certificates
pursuant to Section 4.05. Any remaining  Subsequent  Recoveries  will in turn be
applied to increase from zero the Certificate  Principal Balance of the Class of
Certificates  with the next lower payment  priority up to the amount of Realized
Losses  previously  allocated to that Class of Certificates  pursuant to Section
4.05,  and so on.  Holders  of such  Certificates  will not be  entitled  to any
payment  in  respect  of  Accrued  Certificate  Interest  on the  amount of such
increases for any Interest  Accrual Period preceding the Interest Accrual Period
that relates to the Distribution  Date on which such increase  occurs.  Any such
increases  shall  be  applied  to the  Certificate  Principal  Balance  of  each
Certificate of such Class in accordance with its respective Percentage Interest.

(g) Each distribution with respect to a Book-Entry  Certificate shall be paid to
the  Depository,   as  Holder  thereof,  and  the  Depository  shall  be  solely
responsible for crediting the amount of such distribution to the accounts of its
Depository   Participants  in  accordance  with  its  normal  procedures.   Each
Depository  Participant shall be responsible for disbursing such distribution to
the  Certificate  Owners that it represents  and to each indirect  participating
brokerage firm (a "brokerage  firm") for which it acts as agent.  Each brokerage
firm shall be responsible for disbursing funds to the Certificate Owners that it
represents.  None of the Trustee, the Certificate Registrar,  the Company or the
Master Servicer shall have any responsibility therefor.

(h) Except as  otherwise  provided  in  Section  9.01,  if the  Master  Servicer
anticipates that a final  distribution with respect to any Class of Certificates
will be made on the next Distribution  Date, the Master Servicer shall, no later
than the Determination Date in the month of such final distribution,  notify the
Trustee and the Trustee  shall,  no later than two (2) Business  Days after such
Determination  Date,  mail  on  such  date  to each  Holder  of  such  Class  of
Certificates a notice to the effect that: (i) the Trustee  anticipates  that the
final  distribution  with respect to such Class of Certificates  will be made on
such  Distribution  Date  but  only  upon  presentation  and  surrender  of such
Certificates at the office of the Trustee or as otherwise specified therein, and
(ii) no interest shall accrue on such Certificates from and after the end of the
related Interest Accrual Period. In the event that  Certificateholders  required
to surrender  their  Certificates  pursuant to Section  9.01(c) do not surrender
their  Certificates  for final  cancellation,  the  Trustee  shall  cause  funds
distributable  with  respect  to such  Certificates  to be  withdrawn  from  the
Certificate Account and credited to a separate escrow account for the benefit of
such Certificateholders as provided in Section 9.01(d).

(i) Notwithstanding the priorities relating to distributions of principal to the
holders of the Retail  Certificates  described above, on any Distribution  Date,
distributions  in  respect  of  principal  on the  Retail  Certificates  will be
allocated among the Certificate  Owners of the Retail  Certificates as set forth
in Section  4.10. On each  Distribution  Date on which amounts are available for
distributions  in reduction of the Certificate  Principal  Balance of the Retail
Certificates,  the aggregate  amount  available for such  distributions  will be
rounded upward by the Rounding Amount. Such rounding will be accomplished on the

                                       36
<PAGE>

first  Distribution Date on which  distributions in reduction of the Certificate
Principal  Balance of the Retail  Certificates  are made by withdrawing from the
Rounding  Account the Rounding Amount for deposit into the Certificate  Account,
and such  Rounding  Amount  will be added to the amount  that is  available  for
distributions  in reduction of the Certificate  Principal  Balance of the Retail
Certificates.  On each succeeding  Distribution  Date on which  distributions in
reduction of the Certificate  Principal  Balance of the Retail  Certificates are
made, first, the aggregate amount available for distribution in reduction of the
Certificate  Principal  Balance  of the Retail  Certificates  will be applied to
repay the  Rounding  Amount  withdrawn  from the  Rounding  Account on the prior
Distribution Date and then, the remainder of such allocable amount, if any, will
be similarly rounded upward through another withdrawal from the Rounding Account
and  such  determined  Rounding  Amount  will be  added  to the  amount  that is
available for distributions in reduction of the Certificate Principal Balance of
the Retail  Certificates.  Any funds remaining in the Rounding Account after the
Certificate  Principal  Balance  of the Retail  Certificates  is reduced to zero
shall be distributed to the Class R Certificateholders.

Section 4.03.  Statements to Certificateholders; Exchange Act Reporting.

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

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

                                       37
<PAGE>

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

        (a) Prior to the close of business on the Determination Date, the Master
Servicer  shall  furnish a written  statement  to the Trustee,  the  Certificate
Insurer,  any Paying Agent and the Company (the information in such statement to
be made  available  to  Certificateholders  by the Master  Servicer  on request)
setting forth (i) the Available  Distribution  Amount, (ii) the amounts required
to be withdrawn  from the  Custodial  Account,  the Reserve Fund or the Rounding
Account and deposited into the Certificate Account on the immediately succeeding
Certificate  Account  Deposit  Date,  (iii) the amount of  Cumulative  Insurance
Payments as of such  Determination  Date,  and (iv) the  amounts  required to be
withdrawn from the Rounding Account; provided, however, that the Master Servicer
shall  provide to the Trustee a written  statement  setting forth the portion of
the  Senior   Principal   Distribution   Amount   distributable  to  the  Retail
Certificates on any Distribution  Date no later than 12:00 Noon New York time on
the Business Day  immediately  preceding each  Determination  Date to enable the
Trustee to notify the Certificate Insurer in accordance with Section 12.02.

        The  determination  by the Master Servicer of such amounts shall, in the
absence of obvious error, be presumptively deemed to be correct for all purposes
hereunder  and the Trustee  shall be  protected in relying upon the same without
any independent check or verification.

        (b). (See Section 4.04(b) of the Standard Terms)

Section 4.05.  Allocation of Realized Losses.

        Prior to each Distribution Date, the Master Servicer shall determine the
total  amount  of  Realized  Losses,   if  any,  that  resulted  from  any  Cash
Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation
or REO Disposition that occurred during the related Prepayment Period or, in the
case of a Servicing  Modification  that  constitutes a reduction of the interest
rate on a Mortgage Loan, the amount of the reduction in the interest  portion of
the  Monthly  Payment  due during the  related  Due  Period.  The amount of each
Realized  Loss shall be  evidenced  by an  Officers'  Certificate.  All Realized
Losses, other than Excess Special Hazard Losses,  Extraordinary  Losses,  Excess
Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows:  first,
to the Class B-3 Certificates  until the Certificate  Principal  Balance thereof
has been  reduced  to zero;  second,  to the  Class B-2  Certificates  until the
Certificate  Principal  Balance thereof has been reduced to zero;  third, to the
Class B-1 Certificates until the Certificate  Principal Balance thereof has been
reduced to zero;  fourth,  to the Class M-3  Certificates  until the Certificate
Principal  Balance  thereof has been  reduced to zero;  fifth,  to the Class M-2
Certificates until the Certificate Principal Balance thereof has been reduced to
zero;  sixth,  to the Class M-1  Certificates  until the  Certificate  Principal
Balance thereof has been reduced to zero; and, thereafter,  if any such Realized
Losses are on a Discount  Mortgage  Loan,  to the Class A-P  Certificates  in an
amount equal to the Discount Fraction of the principal portion thereof,  and the
remainder of such Realized Losses on the Discount  Mortgage Loans and the entire
amount of such Realized Losses on Non-Discount  Mortgage Loans will be allocated
among  all the Class CB  Certificates  (in the case of a Group CB Loan) or among
the Class NB Certificates and the Residual  Certificates (in the case of a Group
NB Loan), and the Class A-V Certificates (in the case of the interest portion of
a Realized Loss on a Mortgage Loan in either Loan Group) on a pro rata basis, as

                                       38
<PAGE>

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

        As used herein,  an  allocation of a Realized Loss on a "pro rata basis"
among two or more specified Classes of Certificates means an allocation on a pro
rata  basis,  among the  various  Classes  so  specified,  to each such Class of
Certificates  on the  basis  of their  then  outstanding  Certificate  Principal
Balances  derived  from the  related  Loan  Group  prior  to  giving  effect  to
distributions to be made on such  Distribution Date in the case of the principal
portion of a Realized Loss or based on the Accrued Certificate  Interest thereon
payable  from the related  Loan Group in respect of such  Distribution  Date and
derived from the related Loan Group (without regard to any Compensating Interest
for such  Distribution  Date) in the case of an  interest  portion of a Realized
Loss.  Except as provided  in the  following  sentence,  any  allocation  of the
principal  portion of Realized Losses (other than Debt Service  Reductions) to a
Class  of  Certificates  shall be made by  reducing  the  Certificate  Principal
Balance thereof by the amount so allocated,  which allocation shall be deemed to
have occurred on such Distribution Date. Any allocation of the principal portion
of Realized  Losses  (other than Debt  Service  Reductions)  to the  Subordinate
Certificates  then  outstanding  with  the  Lowest  Priority  shall  be  made by
operation of the definition of "Certificate  Principal Balance" and by operation
of the provisions of Section  4.02(a).  Allocations of the interest  portions of
Realized Losses shall be made in proportion to the amount of Accrued Certificate
Interest and by operation of the  definition of "Accrued  Certificate  Interest"
and by  operation  of the  provisions  of Section  4.02(a).  Allocations  of the
principal  portion of Debt Service  Reductions shall be made by operation of the
provisions  of  Section  4.02(a).  All  Realized  Losses  and all  other  losses
allocated  to a Class of  Certificates  hereunder  will be  allocated  among the
Certificates of such Class in proportion to the Percentage  Interests  evidenced
thereby; provided that if any Subclasses of the Class A-V Certificates have been
issued  pursuant  to Section  5.01(c),  such  Realized  Losses and other  losses
allocated to the Class A-V Certificates shall be allocated among such Subclasses
in proportion to the respective amounts of Accrued Certificate  Interest payable
on such Distribution Date that would have resulted absent such reductions.

                                       39
<PAGE>

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

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

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

Section 4.09.  Reserve Fund

        No later than the Closing Date,  the Trustee will establish and maintain
the Reserve  Fund.  On the Closing Date the  Underwriter  shall deposit with the
Trustee,  and the Trustee shall deposit into the Reserve Fund, cash in an amount
equal to the Reserve Fund Deposit.

        The  Master  Servicer  shall  direct  the  Trustee  in  writing  on each
Distribution Date to withdraw amounts on deposit in the Reserve Fund for deposit
into  the  Certificate  Account,  and  to  pay to  the  holders  of  any  Retail
Certificates  pursuant to Section  4.02(a),  the amount of  Prepayment  Interest
Shortfalls  and  Relief  Act  Shortfalls   otherwise  allocable  to  any  Retail
Certificates  pursuant to the definition of Accrued Certificate Interest (to the
extent not offset by the Master  Servicer  pursuant  to Section  3.16(e) of this
Series  Supplement),  and to the extent of funds on deposit in the Reserve  Fund
(the amount of such  withdrawal  for any  Distribution  Date,  the "Reserve Fund
Withdrawal").

               For federal  income tax purposes,  the  Underwriter  shall be the
owner of the Reserve Fund and shall report all items of income,  deduction, gain
or loss arising therefrom.  Notwithstanding anything herein to the contrary, the
Reserve  Fund  shall not be an asset of any  REMIC.  The  Reserve  Fund shall be
invested in  Permitted  Investments  at the  direction of the  Underwriter.  All
income and gain realized from  investment of funds deposited in the Reserve Fund
shall be deposited in the Reserve Fund for the sole use and exclusive benefit of
the  Reserve  Fund.  The  amount of any loss  incurred  in  respect  of any such
investments shall be deposited in the Reserve Fund by the Underwriter out of its
own funds  immediately  as  realized  without  any right of  reimbursement.  The
balance, if any, remaining in the Reserve Fund on the Distribution Date on which
the Certificate  Principal Balance of the Retail Certificates is reduced to zero
will be  distributed by the Trustee to the  Underwriter.  To the extent that the
Reserve Fund constitutes a reserve fund for federal income tax purposes,  (1) it
shall be an outside  reserve fund and not an asset of any REMIC and (2) it shall
be owned by the  Underwriter,  all within the meaning of Section  1.860G-2(h) of
the  Treasury  Regulations.  The Reserve  Fund may not be owned by more than one
person.

Section 4.10.  Rounding Account.

        No later than the Closing Date,  the Trustee will establish and maintain
with itself a segregated trust account that is an Eligible Account,  which shall
be titled "Rounding  Account,  Deutsche Bank Trust Company Americas,  as trustee
for the  registered  holders  of  Residential  Accredit  Loans,  Inc.,  Mortgage
Asset-Backed Pass-Through  Certificates,  Series 2002-QS15,  Class NB-2." On the
Closing Date, the  Underwriter  shall deposit with the Trustee,  and the Trustee
shall deposit into the Rounding Account, cash in an amount equal to $999.99.

                                       40
<PAGE>

        The  Trustee on each  Distribution  Date shall,  based upon  information
provided by the Master  Servicer  for the related  Distribution  Date,  withdraw
funds from the Rounding Account to pay the Rounding Amount to the Holders of the
Retail  Certificates  pursuant to Section 4.02(i).  In addition,  the Trustee on
each  Distribution  Date shall,  based upon  information  provided by the Master
Servicer for the related  Distribution Date, withdraw funds from the Certificate
Account to repay to the  Rounding  Account  the  Rounding  Amount from the prior
Distribution Date as contemplated in Section 4.02(i).

Section 4.11.  Principal Distributions on the Retail Certificates.

        Distributions in reduction of the Certificate  Principal  Balance of the
Retail  Certificates will be made in integral multiples of $1,000 at the request
of  the  appropriate   representatives   of  Deceased  Holders  of  such  Retail
Certificates and at the request of Living Owners of such Retail  Certificates or
by mandatory distributions by Random Lot, pursuant to clauses (a) and (d) below,
or on a pro rata basis pursuant to clause (e) below.

(a) On each  Distribution  Date  on  which  distributions  in  reduction  of the
Certificate  Principal  Balance  of  the  Retail  Certificates  are  made,  such
distributions  will be made in the  following  priority  among  the  Certificate
Owners of the Retail Certificates:

               (i) any  request by the  personal  representatives  of a Deceased
        Holder or by a surviving  tenant by the entirety,  by a surviving  joint
        tenant  or by a  surviving  tenant  in  common,  but  not  exceeding  an
        aggregate amount of $100,000 per request; and

               (ii)  any  request  by a  Living  Owner,  but  not  exceeding  an
          aggregate amount of $10,000 per request.

        Thereafter,  distributions  will be made,  with  respect  to the  Retail
Certificates,  as provided in clauses (i) and (ii) above up to a second $100,000
and $10,000, respectively. This sequence of priorities will be repeated for each
request for principal distributions made by the Certificate Owners of the Retail
Certificates until all such requests have been honored.

        Requests for  distributions  in reduction of the  Certificate  Principal
Balance of the Retail  Certificates  presented on behalf of Deceased  Holders in
accordance  with the provisions of clause (i) above will be accepted in order of
their receipt by the Depository.  Requests for distributions in reduction of the
Certificate  Principal Balance of the Retail Certificate presented in accordance
with the  provisions of clause (ii) above will be accepted in the order of their
receipt by the Depository after all requests presented in accordance with clause
(i) have been  honored.  All  requests  for  distributions  in  reduction of the
Certificate  Principal  Balance of the Retail  Certificates  will be accepted in
accordance  with the provisions set forth in Section  4.11(c).  All requests for
distributions  in reduction of the Certificate  Principal  Balance of the Retail
Certificates  with  respect to any  Distribution  Date must be  received  by the
Depository and on the Depository's "participant terminal system" and received by
the  Trustee no later than the close of business  on the  related  Record  Date.
Requests for  distributions  that are on the Depository's  participant  terminal
system and received by the Trustee  after the related  Record Date and requests,
in either case, for  distributions not accepted with respect to any Distribution
Date,  will be  treated  as  requests  for  distributions  in  reduction  of the

                                       41
<PAGE>

Certificate  Principal  Balance of Retail  Certificates  on the next  succeeding
Distribution Date, and each succeeding Distribution Date thereafter,  until such
request is  accepted  or is  withdrawn  as  provided  in Section  4.11(c).  Such
requests as are not so withdrawn  shall  retain their order of priority  without
the need for any further action on the part of the appropriate Certificate Owner
of the related Retail Certificate,  all in accordance with the procedures of the
Depository and the Trustee. Upon the transfer of the beneficial ownership of any
Retail Certificate,  any distribution  request previously submitted with respect
to such  Certificate will be deemed to have been withdrawn only upon the receipt
by the  Trustee  on or before  the  Record  Date for such  Distribution  Date of
notification  of such  withdrawal in the manner set forth in Section  4.11(c) on
the Depository's participant terminal system.

        Distributions in reduction of the Certificate  Principal  Balance of the
Retail  Certificates  will be applied in an amount equal to the Senior Principal
Distribution  Amount allocable to such Class pursuant to Section 4.02(b),  plus,
with respect to the Retail Certificates,  any amounts available for distribution
from the Rounding Account established as provided in Section 4.10, provided that
the aggregate  distribution in reduction of the Certificate Principal Balance of
the Retail  Certificates on any  Distribution  Date shall be made in an integral
multiple of $1,000.

        To the extent  that the  portion of the  Senior  Principal  Distribution
Amount  allocable to  distributions  in reduction of the  Certificate  Principal
Balance  of  the  Retail  Certificates  on any  Distribution  Date  exceeds  the
aggregate  Certificate Principal Balance of the Retail Certificates with respect
to which distribution requests, as set forth above, have been received (plus any
amounts required to be distributed pursuant to the Rounding Account with respect
to the Retail  Certificates),  distributions  in  reduction  of the  Certificate
Principal  Balance  of  the  Retail  Certificates  will  be  made  by  mandatory
distribution pursuant to Section 4.11(d).

(b) A Retail  Certificate  shall be deemed to be held by a  Deceased  Holder for
purposes of this Section 4.11 if the death of the  Certificate  Owner thereof is
deemed to have occurred.  Retail  Certificates  beneficially owned by tenants by
the  entirety,  joint  tenants  or tenants in common  will be  considered  to be
beneficially  owned by a single  owner.  The death of a tenant by the  entirety,
joint  tenant  or  tenant  in  common  will be  deemed  to be the  death  of the
Certificate  Owner,  and the Retail  Certificates so beneficially  owned will be
eligible  for  priority  with  respect  to  distributions  in  reduction  of the
Certificate Principal Balance thereof,  subject to the limitations stated above.
Retail  Certificates  beneficially  owned by a trust  will be  considered  to be
beneficially  owned  by each  beneficiary  of the  trust to the  extent  of such
beneficiary's  beneficial  interest  therein,  but in no  event  will a  trust's
beneficiaries  collectively  be deemed to be  Certificate  Owners of a number of
Individual Retail  Certificates of which such trust is the owner. The death of a
beneficiary of a trust will be deemed to be the death of a Certificate  Owner of
the Retail Certificates, as applicable, owned by the trust to the extent of such
beneficiary's  beneficial interest in such trust. The death of an individual who
was a tenant  by the  entirety,  joint  tenant  or tenant in common in a tenancy
which  is the  beneficiary  of a trust  will be  deemed  to be the  death of the
beneficiary  of such  trust.  The  death  of a  person  who,  during  his or her
lifetime,  was  entitled  to  substantially  all  of  the  beneficial  ownership
interests in Individual  Retail  Certificates  will be deemed to be the death of
the Certificate Owner of the Retail Certificates  regardless of the registration
of ownership, if such beneficial interest can be established to the satisfaction
of the Depository Participant.  Such beneficial interest will be deemed to exist

                                       42
<PAGE>

in typical  cases of street name or nominee  ownership,  ownership by a trustee,
ownership under the Uniform Gifts to Minors Act and community  property or other
joint ownership  arrangements between a husband and wife. Certificate beneficial
interests  shall include the power to sell,  transfer or otherwise  dispose of a
Retail Certificate and the right to receive the proceeds  therefrom,  as well as
interest and distributions in reduction of the Certificate  Principal Balance of
the Retail  Certificates,  as  applicable,  payable  with respect  thereto.  The
Trustee shall not be under any duty to determine independently the occurrence of
the death of any deceased  Certificate Owner. The Trustee may rely entirely upon
documentation  delivered to it pursuant to Section 4.10(c) in  establishing  the
eligibility of any Certificate  Owner to receive the priority  accorded Deceased
Holders in Section 4.11(a).

(c) Requests for distributions in reduction of the Certificate Principal Balance
of Retail  Certificates must be made by delivering a written request therefor to
the Depository Participant or Indirect Depository Participant that maintains the
account evidencing such Certificate Owner's interest in Retail Certificates.  In
the case of a request on behalf of a Deceased  Holder,  appropriate  evidence of
death  and any tax  waivers  are  required  to be  forwarded  to the  Depository
Participant  under separate cover.  The Depository  Participant  shall forward a
certification, satisfactory to the Trustee, certifying the death of the Deceased
Holder and the receipt of the appropriate evidence of death and tax waivers. The
Depository Participant should in turn make the request of the Depository (or, in
the  case  of an  Indirect  Depository  Participant,  such  Indirect  Depository
Participant  must notify the related  Depository  Participant  of such  request,
which Depository  Participant  should make the request of the Depository) on the
Depository's  participant  terminal  system.  The  Depository may establish such
procedures  as it deems fair and  equitable to establish the order of receipt of
requests  for such  distributions  received  by it on the same day.  None of the
Company,  the Master  Servicer or the  Trustee  shall be liable for any delay in
delivery of requests for  distributions  or  withdrawals of such requests by the
Depository, a Depository Participant or any Indirect Depository Participant.

        The Depository  shall maintain a list of those  Depository  Participants
representing the appropriate Certificate Owners of Retail Certificates that have
submitted  requests for distributions in reduction of the Certificate  Principal
Balance  of Retail  Certificates,  together  with the order of  receipt  and the
amounts of such requests on the Depository's  participant  terminal system.  The
Depository will honor requests for  distributions  in the order of their receipt
(subject to the  priorities  described in Section  4.11(a)  above).  The Trustee
shall  notify  the  Depository  as to which  requests  should be honored on each
Distribution  Date at least two Business  Days prior to such  Distribution  Date
based on the report  received by the Trustee  pursuant to Section 4.04 and shall
notify the  Depository  as to the amount of the  Senior  Principal  Distribution
Amount to be  distributed to the Retail  Certificates  by Random Lot pursuant to
Section 4.11(d).  Requests shall be honored by the Depository in accordance with
the procedures, and subject to the priorities and limitations, described in this
Section  4.11.  The exact  procedures  to be  followed  by the  Trustee  and the
Depository for purposes of determining  such priorities and limitations  will be
those  established  from time to time by the Trustee or the  Depository,  as the
case may be. The  decisions of the Trustee and the  Depository  concerning  such
matters will be final and binding on all affected persons.

                                       43
<PAGE>

        Individual   Retail   Certificates   that  have  been   accepted  for  a
distribution shall be due and payable on the applicable  Distribution Date. Such
Certificates  shall  cease to bear  interest  after  the  last day of the  month
preceding the month in which such Distribution Date occurs.

        Any  Certificate  Owner of a Retail  Certificate  that has  requested  a
distribution  may withdraw its request by so notifying in writing the Depository
Participant or Indirect  Depository  Participant that maintains such Certificate
Owner's  account.  In the event that such account is  maintained  by an Indirect
Depository  Participant,  such Indirect  Depository  Participant must notify the
related Depository Participant which in turn must forward the withdrawal of such
request on the Depository's participant terminal system. If such withdrawal of a
request for distribution  has not been received on the Depository's  participant
terminal system on or before the Record Date for the next Distribution Date, the
previously made request for distribution will be irrevocable with respect to the
making of distributions in reduction of the Certificate Principal Balance of the
Retail Certificates on such Distribution Date.

        In  the  event  any  requests  for  distributions  in  reduction  of the
Certificate  Principal  Balance of the Retail  Certificates  are rejected by the
Trustee for failure to comply with the  requirements  of this Section 4.11,  the
Trustee shall return such request to the appropriate Depository Participant with
a copy  to  the  Depository  with  an  explanation  as to the  reason  for  such
rejection.

(d) To the extent,  if any, that  distributions  in reduction of the Certificate
Principal  Balance of the Retail  Certificates on a Distribution Date exceed the
outstanding  Certificate  Principal  Balance  of the  Retail  Certificates  with
respect to which distribution  requests have been received by the related Record
Date, as provided in Section  4.10(a)  above,  the additional  distributions  in
reduction of the Certificate  Principal Balance of the Retail  Certificates will
be  made  by  mandatory  distributions  in  reduction  thereof.  Such  mandatory
distributions on Individual  Retail  Certificates  will be made by Random Lot in
accordance with the then-applicable Random Lot procedures of the Depository, the
Depository  Participants and the Indirect Depository  Participants  representing
the Certificate Owners. The Trustee shall notify the Depository of the aggregate
amount of the mandatory  distribution in reduction of the Certificate  Principal
Balance of the Retail Certificates to be made on any such Distribution Date. The
Depository  shall then  allocate  such  aggregate  amount  among its  Depository
Participants on a Random Lot basis.  Each Depository  Participant  and, in turn,
each Indirect  Depository  Participant will then select,  in accordance with its
own  procedures,  Individual  Retail  Certificates  from among those held in its
accounts to receive  mandatory  distributions  in reduction  of the  Certificate
Principal  Balance of the  Retail  Certificates,  such that the total  amount so
selected  is equal  to the  aggregate  amount  of such  mandatory  distributions
allocated to such Depository  Participant by the Depository and to such Indirect
Depository  Participant by its related Depository  Participant,  as the case may
be.  Depository  Participants  and Indirect  Depository  Participants  that hold
Retail  Certificates  selected for mandatory  distributions  in reduction of the
Certificate  Principal  Balance  thereof are required to provide  notice of such
mandatory  distributions to the affected Certificate Owners. The Master Servicer
agrees to notify the Trustee of the amount of  distributions in reduction of the
Certificate  Principal  Balance  of the Retail  Certificates  to be made on each
Distribution  Date in a timely  manner  such that the  Trustee  may  fulfill its
obligations  pursuant to the letter of  representations  dated the Closing  Date
among the Company, the Trustee and the Depository.

                                       44
<PAGE>

(e) Notwithstanding  any provisions herein to the contrary,  on any Distribution
Date on which any  Realized  Losses are  allocated  to the Retail  Certificates,
distributions  in reduction of the Certificate  Principal  Balance of the Retail
Certificates  will be made pro rata on the basis of their respective  Percentage
Interests  with the  respect to the Retail  Certificates  among the  Certificate
Owners of the Retail  Certificates and will not be made in integral multiples of
$1,000 nor  pursuant to requests for  distribution  as permitted by this Section
4.11 or mandatory distributions by Random Lot.

(f)  In  the  event  that  Definitive   Certificates   representing  the  Retail
Certificates  are issued  pursuant to Section  5.01 of the  Standard  Terms,  an
amendment to this  Agreement,  which may be approved  without the consent of any
Certificateholders,  shall establish  procedures relating to the manner in which
distributions in reduction of the Certificate  Principal  Balance of such Retail
Certificates are to be made;  provided that such procedures shall be consistent,
to the extent  practicable and customary for certificates  similar to the Retail
Certificates, with the provisions of this Section 4.11.

                                       45
<PAGE>

                                   ARTICLE V

                                THE CERTIFICATES

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

        Section 5.02. Registration of Transfer and Exchange of Certificates.

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

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

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

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

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

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

                                       46
<PAGE>

                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

                     (SEE ARTICLE VI OF THE STANDARD TERMS)

                                       47
<PAGE>

                                  ARTICLE VII

                                     DEFAULT

                     (SEE ARTICLE VII OF THE STANDARD TERMS)

                                       48
<PAGE>

                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

                    (SEE ARTICLE VIII OF THE STANDARD TERMS)

                                       49
<PAGE>

                                   ARTICLE IX

                                   TERMINATION

                     (SEE ARTICLE IX OF THE STANDARD TERMS)

                                       50
<PAGE>

                                   ARTICLE X

                                REMIC PROVISIONS

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

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

Section 10.03. Designation of REMICs.

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

        The Uncertificated REMIC I Regular Interests will be "regular interests"
in REMIC I and the Class R-I  Certificates  will be the sole class of  "residual
interests" in REMIC I for purposes of the REMIC  Provisions (as defined  herein)
under the federal income tax law.

        The Class CB, Class NB-1,  Class NB-2, Class NB-3, Class A-P, Class M-1,
Class M-2, Class M-3, Class B-1,  Class B-2 and Class B-3  Certificates  and the
Uncertificated  REMIC II Regular Interests Z, the rights in and to which will be
represented by the Class A-V Certificates,  will be "regular interests" in REMIC
II,  and the  Class  R-II  Certificates  will be the  sole  class  of  "residual
interests"  therein for  purposes of the REMIC  Provisions  (as defined  herein)
under federal  income tax law. On and after the date of issuance of any Subclass
of Class A-V Certificates  pursuant to Section  5.01(c),  any such Subclass will
represent the Uncertificated  REMIC II Regular Interest or Interests Z specified
by the initial Holder of the Class A-V Certificates pursuant to said Section.

Section 10.04.  Distributions on the Uncertificated REMIC I and REMIC II Regular
Interests.

        (a)On each  Distribution  Date the Trustee shall be deemed to distribute
to itself, as the holder of the Uncertificated  REMIC I Regular  Interests,  the
Uncertificated  REMIC I Regular Interest  Distribution  Amounts in the following
order of priority to the extent of the Available  Distribution Amount reduced by
distributions made to the Class R-I Certificates pursuant to Section 4.02(a):

               (i) Uncertificated Accrued Interest on the Uncertificated REMIC I
        Regular  Interests for such Distribution  Date, plus any  Uncertificated
        Accrued Interest thereon remaining unpaid from any previous Distribution
        Date; and

               (ii) In  accordance  with  the  priority  set  forth  in  Section
        10.04(b),  an  amount  equal to the sum of the  amounts  in  respect  of
        principal  distributable  on each Class of Certificates  (other than the
        Class R-I  Certificates)  under Section  4.02(a),  as allocated  thereto
        pursuant to Section 4.02(b).

                                       51
<PAGE>

        (b)The  amount  described  in  Section   10.04(a)(ii)  shall  be  deemed
distributed   to  (i)   Uncertificated   REMIC  I  Regular   Interest   W,  (ii)
Uncertificated  REMIC I Regular  Interest  X, and (iii)  Uncertificated  REMIC I
Regular  Interest  Y with the  amount to be  distributed  allocated  among  such
interests  in  accordance  with the priority  assigned to each Related  Class of
Certificates  (other  than the  Class  R-I  Certificates),  respectively,  under
Section 4.02(b) until the Uncertificated Principal Balance of each such interest
is reduced to zero.

        (c)The  portion  of  the   Uncertificated   REMIC  I  Regular   Interest
Distribution   Amounts  described  in  Section   10.04(a)(ii)  shall  be  deemed
distributed by REMIC I to REMIC II in accordance  with the priority  assigned to
the REMIC II Certificates  relative to that assigned to the REMIC I Certificates
under Section 4.02(b).

        (d)In determining from time to time the  Uncertificated  REMIC I Regular
Interest  Distribution  Amounts  and  Uncertificated  REMIC II Regular  Interest
Distribution Amounts:

               (i) Realized Losses allocated to the Class A-V Certificates under
        Section 4.05 shall be deemed  allocated to the  Uncertificated  REMIC II
        Regular  Interests Z pro-rata  according  to the  respective  amounts of
        Uncertificated   Accrued  Interest  that  would  have  accrued  on  such
        Uncertificated  REMIC II Regular  Interests Z for the Distribution  Date
        for  which  such  allocation  is  being  made  in the  absence  of  such
        allocation;

               (ii) Realized  Losses  allocated to the Class NB-2 and Class NB-3
        Certificates   under   Section   4.05  shall  be  deemed   allocated  to
        Uncertificated REMIC I Regular Interest W;

               (iii)  Realized  Losses  allocated to the Class A-P  Certificates
        under Section 4.05 shall be deemed allocated to  Uncertificated  REMIC I
        Regular Interest X;

               (iv)  Realized  Losses  allocated to the Class NB-1,  Class NB-2,
        Class M-1,  Class M-2,  Class M-3,  Class B-1,  Class B-2, Class B-3 and
        Class R-II Certificates  under Section 4.05 shall be deemed allocated to
        Uncertificated REMIC I Regular Interest Y; and

               (v)  Realized  Losses  allocated to the  Uncertificated  REMIC II
        Regular Interests Z under clause (i), above,  shall be deemed allocated,
        in each case, to the related Uncertificated REMIC I Regular Interest Z.

        (e)On each  Distribution  Date the Trustee shall be deemed to distribute
from REMIC II, in the  priority  set forth in  Sections  4.02(a) and (b), to the
Holders of each Class of  Certificates  (other than the Class R-I  Certificates)
the  amounts  distributable  thereon  from the  Uncertificated  REMIC I  Regular
Interest  Distribution  Amounts  deemed to have been  received  by REMIC II from
REMIC I under this Section 10.04. The amounts deemed distributed  hereunder with
respect to the Class A-V  Certificates  shall be deemed to have been distributed

                                       52
<PAGE>

in respect of the Uncertificated REMIC II Regular Interests Z in accordance with
their respective  Uncertificated REMIC II Regular Interest Distribution Amounts,
as such  Uncertificated  REMIC II Regular  Interests  Z  comprise  the Class A-V
Certificates.

        (f)Notwithstanding  the deemed distributions on the Uncertificated REMIC
I Regular Interests described in this Section 10.04, distributions of funds from
the Certificate Account shall be made only in accordance with Section 4.02.

Section 10.05. Compliance with Withholding Requirements.

               Notwithstanding  any  other  provision  of  this  Agreement,  the
Trustee or any Paying  Agent,  as  applicable,  shall  comply  with all  federal
withholding  requirements  respecting payments to Certificateholders,  including
interest or original  issue  discount  payments  or  advances  thereof  that the
Trustee or any Paying Agent, as applicable,  reasonably  believes are applicable
under the Code. The consent of Certificateholders shall not be required for such
withholding.  In the event the Trustee or any Paying Agent, as applicable,  does
withhold  any amount  from  interest  or  original  issue  discount  payments or
advances  thereof  to any  Certificateholder  pursuant  to  federal  withholding
requirements, the Trustee or any Paying Agent, as applicable, shall indicate the
amount  withheld  to  such  Certificateholder  pursuant  to the  terms  of  such
requirements.

                                       53
<PAGE>

                                   ARTICLE XI

                            MISCELLANEOUS PROVISIONS

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

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

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

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

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

---------------------------------- --------------------------------------------------------------
            RECIPIENT                                         ADDRESS
---------------------------------- --------------------------------------------------------------
---------------------------------- --------------------------------------------------------------
<S>                                <C>
Company                            8400 Normandale Lake Boulevard
                                   Suite 250, Minneapolis, Minnesota 55437,
                                   Attention:  President

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

---------------------------------- --------------------------------------------------------------
---------------------------------- --------------------------------------------------------------
Trustee                            Corporate Trust Office
                                   1761 East St. Andrew Place
                                   Santa Ana, California 92705-4934,
                                   Attention:  Residential Accredit Loans, Inc. Series 2002-QS15

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

---------------------------------- --------------------------------------------------------------
---------------------------------- --------------------------------------------------------------
Certificate Insurer                113 King Street
                                   Armonk, New York  10504
                                   Attention: Insured Portfolio Management--Structured Finance
                                   (RALI Series 2002-QS15)
---------------------------------- --------------------------------------------------------------
</TABLE>

                                       54
<PAGE>

Any notice  required or permitted to be mailed to a  Certificateholder  shall be
given by first class  mail,  postage  prepaid,  at the address of such holder as
shown in the  Certificate  Register.  In each  case in  which a notice  or other
communication to the Certificate Insurer refers to a Certificate Insurer Default
or a claim under the Certificate  Policy or with respect to which failure on the
part of the Certificate Insurer to respond shall be deemed to constitute consent
or acceptance,  then a copy of such notice or other communication should also be
sent to the  attention  of the General  Counsel of the  Certificate  Insurer and
shall be marked to indicate  "URGENT  MATERIAL  ENCLOSED."  Any notice so mailed
within the time prescribed in this Agreement  shall be conclusively  presumed to
have been duly given, whether or not the Certificateholder receives such notice.

Section 11.06. Required Notices to Rating Agency and Subservicer.

        The Company,  the Master Servicer or the Trustee,  as applicable,  shall
notify each Rating  Agency and the  Subservicer  at such time as it is otherwise
required  pursuant to this Agreement to give notice of the occurrence of, any of
the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below or
provide a copy to each Rating  Agency at such time as  otherwise  required to be
delivered  pursuant to this  Agreement  of any of the  statements  described  in
clauses (e) and (f) below:

(a)     a material change or amendment to this Agreement,

(b)     the occurrence of an Event of Default,

(c)  the termination or appointment of a successor Master Servicer or Trustee or
     a change in the majority ownership of the Trustee,

(d)     the filing of any claim  under the Master  Servicer's  blanket  fidelity
        bond and the errors and omissions  insurance  policy required by Section
        3.12 or the  cancellation  or  modification  of coverage  under any such
        instrument,

(e)  the  statement  required  to be  delivered  to the Holders of each Class of
     Certificates pursuant to Section 4.03,

(f)  the statements required to be delivered pursuant to Sections 3.18 and 3.19,

(g)  a change  in the  location  of the  Custodial  Account  or the  Certificate
     Account,

(h)  the  occurrence  of any monthly  cash flow  shortfall to the Holders of any
     Class of Certificates  resulting from the failure by the Master Servicer to
     make an Advance pursuant to Section 4.04,

(i)  the occurrence of the Scheduled Final Distribution Date,

                                       55
<PAGE>

(j)  the repurchase of or substitution for any Mortgage Loan, and

(k)  any Certificate Insurer Default that has not been cured.

provided,  however,  that with respect to notice of the occurrence of the events
described in clauses (d), (g) or (h) above,  the Master  Servicer  shall provide
prompt  written  notice to each Rating  Agency and the  Subservicer  of any such
event known to the Master Servicer.

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

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

Section 11.09. Allocation of Voting Rights.

               97% of all of the Voting Rights shall be allocated  among Holders
of  Certificates,  other  than  the  Interest  Only  Certificates  and  Class  R
Certificates, in proportion to the outstanding Certificate Principal Balances of
their  respective  Certificates,  except that the  Certificate  Insurer shall be
assigned the Voting  Rights of the Retail  Certificateholders  in the absence of
any continuing  Certificate  Insurer  Default;  1% of all Voting Rights shall be
allocated among the Holders of the Class NB-3  Certificates,  in accordance with
their  respective  Percentage  Interests;  1% of  all  Voting  Rights  shall  be
allocated  among the Holders of the Class A-V  Certificates,  in accordance with
their  respective  Percentage  Interests;  0.5% of all  Voting  Rights  shall be
allocated  among the Holders of the Class R-I  Certificates,  in accordance with
their respective  Percentage  Interests;  and 0.5% of all Voting Rights shall be
allocated among the Holders of the Class R-II  Certificates,  in accordance with
their respective Percentage Interests.

Section 11.10. No Petition.

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

                                       56
<PAGE>

                                   ARTICLE XII

               CERTAIN MATTERS REGARDING THE CERTIFICATE INSURER

Section 12.01.  Rights of the  Certificate  Insurer To Exercise Rights of Retail
     Certificateholders.

               By  accepting  its  Certificate,  each  Retail  Certificateholder
agrees that unless a Certificate Insurer Default exists, the Certificate Insurer
shall  have the right to  exercise  all  consent,  voting,  direction  and other
control rights of the Retail Certificateholders under this Agreement without any
further consent of the Retail Certificateholders.

Section 12.02.Claims Upon the Certificate Policy; Certificate Insurance Account.

        (a) If, on any Determination  Date, the Master Servicer  determines that
(i) the funds that will be on deposit in the Certificate  Account on the related
Certificate  Account  Deposit  Date, to the extent  distributable  to any Retail
Certificateholders  pursuant to Section  4.02(a)(i),  together  with any Reserve
Fund Withdrawal for the related  Distribution  Date, are insufficient to pay the
full  amount  of  interest  for  the  related  Interest  Accrual  Period  on the
Certificate  Principal  Balance  of  the  Retail  Certificates  at  the  related
Pass-Through Rate (net of any Prepayment  Interest  Shortfalls  allocated to the
Retail  Certificates to the extent covered by the Master Servicer or the Reserve
Fund and any Relief Act  Shortfalls  allocated to the Retail  Certificates  that
were otherwise covered by the Reserve Fund) on such Distribution  Date, (ii) the
principal   portion  of  any  Realized   Losses  are  allocated  to  the  Retail
Certificates  on such  Distribution  Date or (iii)  the  funds  that  will be on
deposit in the Certificate  Account,  to the extent  distributable to the Retail
Certificateholders with respect to principal on the Scheduled Final Distribution
Date will be  insufficient to reduce the  Certificate  Principal  Balance of the
Retail  Certificates  to zero, the Master  Servicer shall deliver to the Trustee
not  later  than  1:00  p.m.  New York  City  time on the  Determination  Date a
certificate  signed by a Servicing  Officer directing the Trustee to draw on the
Certificate  Policy and  stating  the amount to be drawn and stating the Insured
Payment  for each  Retail  Certificate,  and the  Trustee  shall give  notice by
telephone or telecopy of the aggregate amount of such  deficiency,  confirmed in
writing in the form set forth as  Exhibit A to the  Certificate  Policy,  to the
Certificate Insurer and the Fiscal Agent (as defined in the Certificate Policy),
if any, at or before 12:00 noon, New York City time, on the second  Business Day
prior to such  Distribution  Date. If,  subsequent to such notice,  and prior to
payment by the Certificate  Insurer pursuant to such notice,  additional amounts
are deposited in the Certificate  Account, the Trustee shall reasonably promptly
notify the  Certificate  Insurer  and  withdraw  the notice or reduce the amount
claimed, as appropriate.

        (b) The Trustee shall establish a separate special purpose trust account
for the  benefit  of  Holders of any  Retail  Certificates  and the  Certificate
Insurer referred to herein as the "Certificate Insurance Account" over which the
Trustee shall have exclusive  control and sole right of withdrawal.  The Trustee
shall deposit any amount paid under the  Certificate  Policy in the  Certificate
Insurance  Account and  distribute  such amount only for  purposes of payment to
Holders of Retail  Certificates  of the  Insured  Payment  for which a claim was
made.  Such  amount  may not be  applied  to  satisfy  any  costs,  expenses  or
liabilities of the Master Servicer,  the Trustee or the Trust Fund. Amounts paid
under the Certificate Policy shall be transferred to the Certificate  Account in

                                       57
<PAGE>

accordance with the second succeeding  paragraph and disbursed by the Trustee to
Holders  of Retail  Certificates  in  accordance  with  Section  4.02 or Section
9.01(c),  as applicable.  It shall not be necessary for such payments to be made
by checks or wire  transfers  separate from the checks or wire transfers used to
pay the Insured Payment with other funds available to make such payment.

        However,  the amount of any payment of  principal  of or interest on the
Retail  Certificates  to be paid from  funds  transferred  from the  Certificate
Insurance  Account  shall be noted as provided in paragraph (c) below and in the
statement  to be furnished  to Holders of the  Certificates  pursuant to Section
4.03. Funds held in the Certificate  Insurance  Account shall not be invested by
the Master Servicer, the Company or the Trustee.

        On any  Distribution  Date with  respect  to which a claim has been made
under the Certificate Policy, the amount of any funds received by the Trustee as
a result of any claim under the  Certificate  Policy,  to the extent required to
make the Insured Payment on such Distribution  Date, shall be withdrawn from the
Certificate  Insurance  Account and  deposited  in the  Certificate  Account and
applied by the Master Servicer on behalf of the Trustee, together with the other
funds to be  distributed  to the Retail  Certificateholders  pursuant to Section
4.02,  directly to the payment in full of the Insured  Payment due on the Retail
Certificates.  Any funds remaining in the Certificate  Insurance  Account on the
first  Business  Day  following  a  Distribution  Date shall be  remitted to the
Certificate Insurer, pursuant to the instructions of the Certificate Insurer, by
the end of such Business Day.

        (c) The Trustee shall keep a complete and accurate  record of the amount
of interest and principal paid into the Certificate Insurance Account in respect
of any Retail Certificate from moneys received under the Certificate Policy. The
Certificate  Insurer  shall have the right to inspect such records at reasonable
times during normal  business  hours upon two Business Day's prior notice to the
Trustee.

        (d) In accordance with the terms of the Certificate Policy, any claim on
the  Certificate  Policy in respect of a Preference  Amount,  shall  require the
Trustee  to obtain a  certified  copy of the  order  requiring  the  return of a
preference  payment,  an  opinion  of counsel  satisfactory  to the  Certificate
Insurer  that  the  order  is  final  and  not  subject  to  appeal,  and  other
documentation as required by the Certificate Policy. Any such opinion of counsel
shall be provided at the sole expense of the Underwriter, in accordance with the
terms of the Commitment Letter.

     Section 12.03.Effect of Payments by the Certificate Insurer; Subrogation.

        Anything  herein to the contrary  notwithstanding,  for purposes of this
Section  12.03,  any payment  with  respect to  principal  of or interest on any
Retail  Certificates which is made with monies received pursuant to the terms of
the  Certificate   Policy  shall  not  be  considered   payment  of  any  Retail
Certificates  from the Trust  Fund.  The Master  Servicer,  the  Company and the
Trustee acknowledge,  and each Holder by its acceptance of an Retail Certificate
agrees,  that  without  the  need  for any  further  action  on the  part of the
Certificate  Insurer,  the Master  Servicer,  the  Company,  the  Trustee or the
Certificate  Registrar,  to the extent the  Certificate  Insurer makes payments,
directly or  indirectly,  on account of  principal  of or interest on any Retail
Certificates to the Holders of such Certificates,  the Certificate  Insurer will
be fully subrogated to, and each Retail Certificateholder,  the Master Servicer,

                                       58
<PAGE>

the  Company  and the  Trustee  hereby  delegate  and assign to the  Certificate
Insurer,  to the fullest extent  permitted by law, the rights of such Holders to
receive such  principal  and  interest  from the Trust Fund;  provided  that the
Certificate  Insurer shall be paid such amounts only from the sources and in the
manner explicitly provided for herein.

        The Trustee and the Master Servicer shall cooperate in all respects with
any  reasonable  request by the  Certificate  Insurer  for action to preserve or
enforce the  Certificate  Insurer's  rights or  interests  under this  Agreement
without  limiting  the  rights or  affecting  the  interests  of the  Holders as
otherwise set forth herein.

        Section 12.04.Notices and Information to the Certificate Insurer.

        (a) All notices, statements,  reports, certificates or opinions required
by this Agreement to be sent to any other party hereto,  to the Rating  Agencies
or to the Certificateholders shall also be sent to the Certificate Insurer.

        (b) The Master  Servicer shall designate a Person who shall be available
to the Certificate Insurer to provide reasonable access to information regarding
the Mortgage Loans.

        Section 12.05.Trustee to Hold Certificate Policy.

        The Trustee will hold the  Certificate  Policy in trust as agent for the
Retail   Certificateholders  for  the  purpose  of  making  claims  thereof  and
distributing the proceeds thereof. Each Retail  Certificateholder,  by accepting
its  Certificate,  appoints the Trustee as  attorney-in-fact  for the purpose of
making  claims on the  Certificate  Policy.  The  Trustee  shall  surrender  the
Certificate  Policy  to  the  Certificate  Insurer  for  cancellation  upon  the
expiration of the term of the Certificate  Policy as provided in the Certificate
Policy following the retirement of any Retail Certificates.

        Section 12.06.Ratings.

        The parties  hereto agree that  references  in this  Agreement or in the
Standard   Terms  to  ratings  on  the   Certificates   or   interests   of  the
Certificateholders shall be determined without regard to the Certificate Policy.

        Section 12.07.Third-Party Beneficiary.

        The Certificate Insurer shall be an express  third-party  beneficiary of
this Agreement to the extent of its express  subrogation  rights and its express
rights,  including its rights to receive Insurance Premiums set forth in Section
4.02(a)  of the  Agreement  and shall  have the  right to  enforce  the  related
provisions of this Agreement as if it were a party hereto.

                                       59
<PAGE>

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

                                       RESIDENTIAL ACCREDIT LOANS, INC.
[Seal]

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

Attest: //s// Karen Fox
      Name:   Karen Fox
      Title:  Director

                         RESIDENTIAL FUNDING CORPORATION
[Seal]

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

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

                              DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee
[Seal]

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

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

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

                                       60
<PAGE>

STATE OF MINNESOTA
                                  )
                                  ) ss.:
COUNTY OF HENNEPIN                )
               On the 30th day of October,  2002  before me, a notary  public in
and for said State,  personally appeared Joseph Orning, known to me to be a Vice
President of Residential  Accredit  Loans,  Inc., one of the  corporations  that
executed  the  within  instrument,  and also  known to me to be the  person  who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

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

                                                   //s// Maren Matthews
                                                          Notary Public

[Notarial Seal]

                                       61
<PAGE>

STATE OF MINNESOTA
                                  )
                                  ) ss.:
COUNTY OF HENNEPIN                )
               On the 30th day of October,  2002  before me, a notary  public in
and for said  State,  personally  appeared  Lisa  Lundsten,  known to me to be a
Managing Director of Residential  Funding  Corporation,  one of the corporations
that executed the within  instrument,  and also known to me to be the person who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

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

                                                   //s// Maren Matthews
                                                          Notary Public

[Notarial Seal]

                                       62
<PAGE>

STATE OF CALIFORNIA
                                  )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 30th day of October,  2002  before me, a notary  public in
and for said State,  personally  appeared  Ronaldo  Reyes,  known to me to be an
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

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

                                                   //s// Brent Wayne Hoyler
                                                          Notary Public

[Notarial Seal]

STATE OF CALIFORNIA               )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 30th day of October,  2002  before me, a notary  public in
and for said State,  personally  appeared  James F. Noriega known to me to be an
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

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

                                                   //s// Brent Wayne Hoyler
                                                          Notary Public

[Notarial Seal]

                                       63
<PAGE>

                                   EXHIBIT ONE

                             MORTGAGE LOAN SCHEDULE

  RUN ON     : 10/28/02           RFC DISCLOSURE SYSTEM       RFFSDFIX-01
  AT         : 14.21.10           FIXED PASSTHRU REPORT       AMORTIZED BALANCE
  SERIES     : RALI 2002-QS15 CONFORMING                      CUTOFF : 10/01/02
  POOL       : 0004630
             :
             :
  POOL STATUS: F

    RFC LOAN NUMBER                      SUB SERV FEE
    PRINCIPAL BALANCE                    MSTR SERV FEE
    CURR NOTE RATE                       ALL EXP
    RFC NET RATE                         MISC EXP
    NET MTG RATE(INVSTR RATE)            SPREAD
    POST STRIP RATE                      STRIP
  ---------------------------------------------------------------------------

      7651447                              .2500
       96,427.18                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7755457                              .2500
      100,915.09                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7759401                              .2500
       95,631.97                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7776863                              .2500
      273,278.63                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7780447                              .2500
      127,675.54                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7782637                              .2500
      160,630.21                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450
1

      7805799                              .2500
      235,430.44                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7814681                              .2500
       67,791.12                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7814965                              .2500
       46,257.44                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7820243                              .2500
      252,509.57                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      7845101                              .2500
      249,350.61                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7847757                              .2500
      124,379.17                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7852999                              .2500
       96,254.40                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7855197                              .2500
      199,687.02                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      7857417                              .2500
       64,800.93                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7871247                              .2500
      139,112.58                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7871305                              .2500
       87,858.84                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7872633                              .2500
      117,300.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7881511                              .2500
      121,210.03                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7883833                              .2500
      258,125.54                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7885869                              .2500
      154,607.67                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7888721                              .2500
       89,852.03                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700
1

      7893301                              .2500
       51,920.62                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7898169                              .2500
      131,798.50                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7899863                              .2500
      175,159.84                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7906903                              .2500
       60,654.93                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7906931                              .2500
       60,654.93                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7906949                              .2500
      145,771.52                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7907591                              .2500
      202,852.04                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7915677                              .2500
      188,197.62                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950
1

      7921811                              .2500
      113,807.91                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7930461                              .2500
      300,414.69                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      7930527                              .2500
      117,796.23                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7933901                              .2500
       86,500.71                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7933943                              .2500
      102,838.82                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7934411                              .2500
      102,838.82                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7936749                              .2500
       80,367.64                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7936901                              .2500
      145,456.71                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      7936903                              .2500
       64,688.25                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7936979                              .2500
      107,340.30                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7937199                              .2500
       78,600.26                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7938013                              .2500
      212,821.05                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7939453                              .2500
      159,858.83                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7939829                              .2500
      223,811.81                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7942735                              .2500
       59,604.24                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7943843                              .2500
       91,466.43                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      7944191                              .2500
       63,944.89                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7945013                              .2500
       59,399.73                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7945357                              .2500
       94,418.63                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7952157                              .2500
      190,550.29                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7952169                              .2500
      128,503.10                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7952171                              .2500
      134,083.55                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7952201                              .2500
      125,358.33                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7952209                              .2500
       94,183.18                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450
1

      7952217                              .2500
      184,196.64                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7957979                              .2500
      135,783.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7958249                              .2500
      127,795.16                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7959337                              .2500
       89,039.84                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7959431                              .2500
      142,164.47                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7959927                              .2500
       56,669.52                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7963777                              .2500
      153,247.62                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7964703                              .2500
       56,820.49                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      7970093                              .2500
      104,577.44                          .0800
            6.9900                         .0000
            6.7400                         .0000
            6.6600                         .0000
            6.0000                         .6600

      7972539                              .2500
      112,955.02                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7972591                              .2500
      130,403.16                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7975531                              .2500
      221,808.86                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7975567                              .2500
      277,688.54                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7975831                              .2500
      183,841.58                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7978401                              .2500
      118,702.62                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7978425                              .2500
      178,060.99                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      7978497                              .2500
      182,549.24                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7978745                              .2500
      124,894.99                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7979781                              .2500
       94,314.65                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      7981683                              .2500
       95,915.30                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7982271                              .2500
      155,881.30                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7982313                              .2500
      181,847.10                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7984351                              .2500
      159,868.85                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7984597                              .2500
      125,489.18                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950
1

      7985575                              .2500
      169,846.31                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      7985637                              .2500
       99,758.52                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      7985979                              .2500
      137,889.10                          .0800
            7.1000                         .0000
            6.8500                         .0000
            6.7700                         .0000
            6.0000                         .7700

      7986499                              .2500
      191,039.37                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7986613                              .2500
      187,845.90                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7987539                              .2500
      130,992.54                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7987575                              .2500
      103,219.41                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7987593                              .2500
      117,221.49                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950
1

      7987657                              .2500
      107,902.37                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      7987681                              .2500
       48,859.92                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7987803                              .2500
      150,866.78                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7987887                              .2500
      188,856.18                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7987903                              .2500
       44,962.19                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7988337                              .2500
       98,415.19                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7988453                              .2500
      109,410.24                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7989203                              .2500
      216,604.21                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700
1

      7990535                              .2500
      247,791.64                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7991825                              .2500
       89,926.23                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7993341                              .2500
       79,939.13                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7993375                              .2500
      154,912.92                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7993411                              .2500
      123,091.31                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7993417                              .2500
       56,749.88                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7993863                              .2500
      173,697.62                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7994151                              .2500
      226,804.56                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200
1

      7995043                              .2500
       89,092.15                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7995743                              .2500
      157,267.76                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7995877                              .2500
       89,524.72                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7995881                              .2500
      104,913.93                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7995897                              .2500
       55,750.60                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7995931                              .2500
       79,934.43                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7995973                              .2500
      174,845.61                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      7995999                              .2500
      151,792.37                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450
1

      7996051                              .2500
      110,163.99                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7996091                              .2500
       80,230.87                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7996141                              .2500
       94,428.09                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7996171                              .2500
      113,297.48                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      7996237                              .2500
       93,919.07                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7996245                              .2500
       93,919.07                          .0800
            6.7500                         .0000
            6.5000                         .0000
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            6.9200                         .0000
            6.0000                         .9200

      8095937                              .2500
       73,287.94                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8095943                              .2500
       54,314.86                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8095947                              .2500
       71,887.32                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8095949                              .2500
      115,400.55                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8095951                              .2500
      103,072.42                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8095955                              .2500
      119,899.18                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450
1

      8095957                              .2500
      215,812.44                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8095959                              .2500
      216,714.11                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8095961                              .2500
       59,910.66                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8095963                              .2500
      177,660.36                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8095965                              .2500
      132,061.39                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8095969                              .2500
      217,889.90                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8095975                              .2500
      110,622.25                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8095977                              .2500
       78,876.37                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      8095979                              .2500
       34,200.00                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8095981                              .2500
      153,359.62                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8095985                              .2500
      211,343.04                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8095989                              .2500
       51,961.40                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8095997                              .2500
       35,973.28                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096003                              .2500
      103,117.47                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8096009                              .2500
       98,844.65                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096011                              .2500
      100,908.69                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700
1

      8096019                              .2500
       63,904.70                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096025                              .2500
      123,865.15                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8096029                              .2500
       98,918.85                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8096041                              .2500
      127,802.67                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096047                              .2500
       69,945.39                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096053                              .2500
       49,324.57                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096055                              .2500
      124,007.90                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096063                              .2500
       53,917.55                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450
1

      8096067                              .2500
       61,153.42                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096081                              .2500
       64,302.24                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096091                              .2500
      138,377.66                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8096097                              .2500
       78,771.49                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096099                              .2500
       69,841.18                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8096101                              .2500
       74,941.49                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096103                              .2500
      161,860.52                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8096105                              .2500
       66,892.13                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      8096109                              .2500
      257,968.12                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096111                              .2500
       87,166.73                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096119                              .2500
      103,333.25                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096123                              .2500
       61,946.61                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8096125                              .2500
       33,750.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096127                              .2500
       73,889.82                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096131                              .2500
      109,183.07                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096133                              .2500
       86,118.33                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450
1

      8096135                              .2500
      159,865.58                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8096137                              .2500
       31,427.66                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096143                              .2500
       46,723.04                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8096145                              .2500
      103,920.86                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096147                              .2500
       93,650.34                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096153                              .2500
      134,788.74                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096159                              .2500
      122,202.20                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8096161                              .2500
       52,721.38                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700
1

      8096163                              .2500
      102,886.58                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096177                              .2500
      173,860.85                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8096179                              .2500
       91,926.42                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8096181                              .2500
       82,512.99                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096193                              .2500
      155,875.24                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8096211                              .2500
       46,963.33                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096215                              .2500
      116,858.40                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8096219                              .2500
      114,910.28                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      8096223                              .2500
       62,852.13                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096225                              .2500
       50,462.52                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096227                              .2500
       50,462.52                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096233                              .2500
      114,121.12                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096239                              .2500
      256,517.48                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096241                              .2500
      256,517.48                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096243                              .2500
      256,517.48                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096251                              .2500
       53,919.59                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700
1

      8096255                              .2500
       59,910.66                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096259                              .2500
       64,941.23                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8096263                              .2500
       99,072.65                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096265                              .2500
      121,355.26                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096267                              .2500
       59,805.58                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096269                              .2500
       65,497.33                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096271                              .2500
       55,955.22                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8096273                              .2500
       49,960.02                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950
1

      8096277                              .2500
       94,846.49                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8096279                              .2500
       77,341.10                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096281                              .2500
       81,472.30                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096283                              .2500
       81,458.73                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096285                              .2500
       91,656.34                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096287                              .2500
       91,656.34                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096289                              .2500
       91,656.34                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8096293                              .2500
      102,318.11                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950
1

      8096297                              .2500
       38,941.92                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096301                              .2500
      174,818.47                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8096303                              .2500
       13,351.55                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8096307                              .2500
      167,749.84                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096309                              .2500
       99,915.99                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8096311                              .2500
       47,928.52                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096493                              .2500
       71,385.30                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8096495                              .2500
      119,812.19                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      8096497                              .2500
      100,123.75                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096505                              .2500
      132,861.65                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096507                              .2500
      101,095.44                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      8096509                              .2500
       63,917.16                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096513                              .2500
      135,953.96                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8096515                              .2500
       22,449.61                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8096573                              .2500
      146,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8097091                              .2500
      108,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700
1

      8097163                              .2500
      151,000.00                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8097533                              .2500
       89,600.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8097853                              .2500
      300,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8099825                              .2500
       90,000.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8099937                              .2500
      106,900.90                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8100297                              .2500
      190,400.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8101325                              .2500
      215,000.00                          .0300
            6.0000                         .0000
            5.7500                         .0000
            5.7200                         .0000
            5.7200                         .0000

      8102145                              .2500
      151,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450
1

      8102243                              .2500
      168,800.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8104059                              .2500
      155,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8108187                              .2500
      250,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8318414                              .2500
      137,459.14                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8326062                              .2500
       72,000.93                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8326882                              .2500
      267,750.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8327392                              .2500
      292,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8327400                              .2500
      102,400.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450
1

      8327404                              .2500
      104,300.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8327412                              .2500
       86,400.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8327696                              .2500
      175,450.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8328172                              .2500
      248,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8328734                              .2500
      243,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8329772                              .2500
       67,200.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8329856                              .2500
      127,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

  TOTAL NUMBER OF LOANS:     1413
  TOTAL BALANCE........:        211,243,698.99

  RUN ON     : 10/28/02            RFC DISCLOSURE SYSTEM      RFFSDFIX-01
  AT         : 14.21.10            INITIAL SECURITY FEES      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS15 CONF  FIXED SUMMARY REPORT      CUTOFF : 10/01/02
  POOL       : 0004630
             :
             :
  POOL STATUS: F

                                   WEIGHTED AVERAGES      FROM         TO
  ---------------------------------------------------------------------------
  CURR NOTE RATE                        6.8428            6.0000      8.0000
  RFC NET RATE                          6.5902            5.7500      7.7500
  NET MTG RATE(INVSTR RATE)             6.5111            5.7200      7.6700
  POST STRIP RATE                       5.9987            5.7200      6.0000
  SUB SERV FEE                           .2526             .2500       .5000
  MSTR SERV FEE                          .0791             .0300        .0800
  ALL EXP                                .0000             .0000       .0000
  MISC EXP                               .0000             .0000       .0000
  SPREAD                                 .0000             .0000       .0000
  STRIP                                  .5124             .0000      1.6700

  TOTAL NUMBER OF LOANS:  1413
  TOTAL BALANCE........:     211,243,698.99

                             ***************************
                             *      END OF REPORT      *
                             ***************************
  RUN ON     : 10/28/02           RFC DISCLOSURE SYSTEM       RFFSD177-01
  AT         : 14.21.10          FIXED RATE LOAN LISTING      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS15 CONFORMING                      CUTOFF : 10/01/02
  POOL       : 0004630
             :
             :
  POOL STATUS: F

  RFC LOAN #     S/S CODE          PMT TYPE      ORIGINAL BAL     LOAN FEATURE
                                   ORIG TERM     PRINCIPAL BAL    # OF UNITS
  ORIG RATE                                      ORIGINAL P+I     LTV
  CURR NET                                       CURRENT P+I
  CITY           STATE  ZIP        LOAN PURP     NOTE DATE        MI CO CODE
  SERVICER LOAN #                  PROP TYPE     1ST PMT DATE     MI CVG
  SELLER LOAN #                    OCCP CODE     MATURITY DATE
  INVESTOR LOAN #
  ______________________________________________________________________________

    7651447          E22/G02             F           96,800.00         ZZ
                                         360         96,427.18          1
                                       7.375            668.57         80
                                       7.125            668.57
    BENBROOK         TX   76126          5            04/25/02         00
    0414003699                           05           06/01/02          0
    0414003699                           O            05/01/32
    0

    7755457          K39/G02             F          101,250.00         ZZ
                                         360        100,915.09          1
                                       7.000            673.62         75
                                       6.750            673.62
    DALLAS           GA   30157          5            05/24/02         00
    0434113932                           04           07/15/02          0
    253238796                            O            06/15/32
    0

    7759401          E22/G02             F           95,875.00         ZZ
                                         360         95,631.97          1
                                       6.875            629.83         71
                                       6.625            629.83
    GARDNERVILLE     NV   89410          1            06/04/02         00
    0414144485                           05           08/01/02          0
    0414144485                           N            07/01/32
    0

    7776863          624/G02             F          274,800.00         ZZ
                                         360        273,278.63          1
                                       6.875          1,805.24         80
                                       6.625          1,805.24
    SANTA MARIA      CA   93455          1            05/09/02         00
    0434144937                           05           07/01/02          0
1

    1000001360                           O            06/01/32
    0

    7780447          E22/G02             F          128,000.00         ZZ
                                         360        127,675.54          1
                                       6.875            840.87         80
                                       6.625            840.87
    ARLINGTON        TX   76006          1            06/14/02         00
    0414300624                           05           08/01/02          0
    0414300624                           O            07/01/32
    0

    7782637          964/G02             F          161,000.00         ZZ
                                         360        160,630.21          1
                                       7.375          1,111.99         74
                                       7.125          1,111.99
    ARVADA           CO   80003          5            06/12/02         00
    0434608584                           05           08/01/02          0
    221041                               O            07/01/32
    0

    7805799          964/G02             F          236,000.00         ZZ
                                         360        235,430.44          1
                                       7.125          1,589.98         80
                                       6.875          1,589.98
    CAVE CREEK       AZ   85331          1            06/19/02         00
    0434245999                           03           08/01/02          0
    215156                               O            07/01/32
    0

    7814681          286/286             F           68,000.00         ZZ
                                         360         67,791.12          1
                                       7.375            469.66         80
                                       7.125            469.66
    TUCSON           AZ   85705          5            05/29/02         00
    1326215                              05           07/01/02          0
    1326215                              N            06/01/32
    0

    7814965          286/286             F           46,400.00         ZZ
                                         360         46,257.44          1
                                       7.375            320.48         80
                                       7.125            320.48
    KANSAS CITY      MO   64130          5            05/28/02         00
    1295716                              05           07/01/02          0
    1295716                              N            06/01/32
    0

1

    7820243          E22/G02             F          253,200.00         ZZ
                                         360        252,509.57          1
                                       6.500          1,600.40         80
                                       6.250          1,600.40
    BOISE            ID   83702          1            06/24/02         00
    0414252122                           05           08/01/02          0
    0414252122                           O            07/01/32
    0

    7845101          S07/G02             F          250,000.00         ZZ
                                         360        249,350.61          1
                                       6.750          1,621.50         78
                                       6.500          1,621.50
    FLORISSANT       CO   80816          5            06/19/02         00
    0434627998                           05           08/01/02          0
    0580672                              O            07/01/32
    0

    7847757          738/G02             F          125,000.00         ZZ
                                         360        124,379.17          1
                                       7.250            852.73        100
                                       7.000            852.73
    COLUMBUS         GA   31909          1            06/25/02         10
    0434258729                           05           08/01/02         35
    40359676                             O            07/01/32
    0

    7852999          Q87/G02             F           96,800.00         ZZ
                                         360         96,254.40          1
                                       7.375            668.57         80
                                       7.125            668.57
    DALLAS           GA   30132          2            06/28/02         00
    0434321709                           05           08/01/02          0
    MOAL02                               N            07/01/32
    0

    7855197          X10/G02             F          200,000.00         ZZ
                                         360        199,687.02          1
                                       7.250          1,364.35         37
                                       7.000          1,364.35
    HOUSTON          TX   77046          5            07/03/02         00
    0434320198                           06           09/01/02          0
    50001482                             O            08/01/32
    0

    7857417          E22/G02             F           64,900.00         ZZ
                                         360         64,800.93          1
                                       7.375            448.25        100
                                       7.125            448.25
1

    LAKEVIEW         OH   43331          1            07/15/02         11
    0414283879                           05           09/01/02         35
    0414283879                           O            08/01/32
    0

    7871247          E22/G02             F          139,400.00         ZZ
                                         360        139,112.58          1
                                       7.375            962.80         80
                                       7.125            962.80
    LIVONIA          MI   48154          1            07/19/02         00
    0414468819                           05           09/01/02          0
    0414468819                           O            08/01/32
    0

    7871305          E82/G02             F           88,000.00         ZZ
                                         360         87,858.84          1
                                       7.125            592.87         80
                                       6.875            592.87
    MONROE           LA   71201          5            07/15/02         00
    0400647988                           05           09/01/02          0
    0400647988                           O            08/01/32
    0

    7872633          X78/G02             F          117,300.00         ZZ
                                         360        117,300.00          1
                                       7.250            800.19         75
                                       7.000            800.19
    ATLANTA          GA   30317          2            10/04/02         00
    0434695607                           05           11/01/02          0
    1006                                 N            10/01/32
    0

    7881511          W39/G02             F          121,400.00         ZZ
                                         360        121,210.03          1
                                       7.250            828.16         80
                                       7.000            828.16
    AUSTIN           TX   78757          1            07/19/02         00
    0434616314                           05           09/01/02          0
    20649                                O            08/01/32
    0

    7883833          313/G02             F          258,750.00         ZZ
                                         360        258,125.54          1
                                       7.125          1,743.25         80
                                       6.875          1,743.25
    DALLAS           TX   75208          2            06/12/02         00
    0434346276                           05           08/01/02          0
    8761827                              O            07/01/32
    0
1

    7885869          E22/G02             F          154,850.00         ZZ
                                         360        154,607.67          1
                                       7.250          1,056.35         95
                                       7.000          1,056.35
    TAMARAC          FL   33321          1            07/26/02         01
    0414537076                           03           09/01/02         30
    0414537076                           O            08/01/32
    0

    7888721          E22/G02             F           90,000.00         ZZ
                                         360         89,852.03          1
                                       7.000            598.77         75
                                       6.750            598.77
    PUYALLUP         WA   98373          1            07/24/02         00
    0414576454                           05           09/01/02          0
    0414576454                           N            08/01/32
    0

    7893301          X82/G02             F           52,000.00         ZZ
                                         360         51,920.62          1
                                       7.375            359.15         80
                                       7.125            359.15
    MANASSAS         VA   20109          5            07/24/02         00
    0434609509                           01           09/01/02          0
    832780                               N            08/01/32
    0

    7898169          E22/G02             F          132,000.00         ZZ
                                         360        131,798.50          1
                                       7.375            911.69         80
                                       7.125            911.69
    ROCKWALL         TX   75087          1            07/31/02         00
    0414594630                           05           09/01/02          0
    0414594630                           O            08/01/32
    0

    7899863          X67/G02             F          175,500.00         ZZ
                                         360        175,159.84          2
                                       7.875          1,272.50         90
                                       7.625          1,272.50
    SAN BERNARDINO   CA   92410          1            07/29/02         04
    0434475620                           05           09/01/02         25
    0000185542                           N            08/01/32
    0

    7906903          E22/G02             F           60,750.00         ZZ
                                         360         60,654.93          2
1

                                       7.250            414.42         90
                                       7.000            414.42
    TAMPA            FL   33617          1            08/02/02         04
    0414522045                           05           09/01/02         25
    0414522045                           N            08/01/32
    0

    7906931          E22/G02             F           60,750.00         ZZ
                                         360         60,654.93          2
                                       7.250            414.42         90
                                       7.000            414.42
    TAMPA            FL   33617          1            08/02/02         01
    0414559252                           05           09/01/02         25
    0414559252                           N            08/01/32
    0

    7906949          E22/G02             F          146,000.00         ZZ
                                         360        145,771.52          1
                                       7.250            995.98         90
                                       7.000            995.98
    GALLOWAY         OH   43119          2            07/29/02         11
    0414577924                           05           09/01/02         30
    0414577924                           O            08/01/32
    0

    7907591          253/253             F          204,000.00         ZZ
                                         360        202,852.04          4
                                       7.875          1,479.15         80
                                       7.625          1,479.15
    LOS ANGELES      CA   90011          2            07/18/02         00
    420911                               05           09/01/02          0
    420911                               N            08/01/32
    0

    7915677          E22/G02             F          188,500.00         ZZ
                                         360        188,197.62          2
                                       7.125          1,269.96         67
                                       6.875          1,269.96
    ELIZABETH        NJ   07208          2            07/31/02         00
    0414444067                           05           09/01/02          0
    0414444067                           O            08/01/32
    0

    7921811          F36/G02             F          114,000.00         ZZ
                                         360        113,807.91          1
                                       6.875            748.90         59
                                       6.625            748.90
    SPANAWAY         WA   98387          5            07/24/02         00
    0434401311                           05           09/01/02          0
1

    06505048                             O            08/01/32
    0

    7930461          964/G02             F          300,700.00         ZZ
                                         360        300,414.69          1
                                       6.250          1,851.46         67
                                       6.000          1,851.46
    UPLAND           CA   91784          1            07/29/02         00
    0434416780                           05           10/01/02          0
    228714                               O            09/01/32
    0

    7930527          964/G02             F          118,000.00         ZZ
                                         360        117,796.23          1
                                       6.750            765.35         55
                                       6.500            765.35
    WICKENBURG       AZ   85390          5            07/22/02         00
    0434418331                           05           09/01/02          0
    233470                               O            08/01/32
    0

    7933901          U05/G02             F           86,925.00         ZZ
                                         360         86,500.71          1
                                       6.875            571.04         95
                                       6.625            571.04
    MEDFORD          OR   97501          5            07/26/02         10
    0434658191                           05           09/01/02         30
    3249794                              O            08/01/32
    0

    7933943          U05/G02             F          103,000.00         ZZ
                                         360        102,838.82          1
                                       7.250            702.64         77
                                       7.000            702.64
    VANCOUVER        WA   98686          2            07/27/02         00
    0434626701                           03           09/01/02          0
    3246634                              N            08/01/32
    0

    7934411          U05/G02             F          103,000.00         ZZ
                                         360        102,838.82          1
                                       7.250            702.64         77
                                       7.000            702.64
    VANCOUVER        WA   98686          2            07/27/02         00
    0434598108                           03           09/01/02          0
    3247532                              N            08/01/32
    0

1

    7936749          286/286             F           80,500.00         ZZ
                                         360         80,367.64          4
                                       7.000            535.57         70
                                       6.750            535.57
    ST LOUIS         MO   63118          2            07/02/02         00
    1339982                              05           09/01/02          0
    1339982                              O            08/01/32
    0

    7936901          286/286             F          145,800.00         ZZ
                                         360        145,456.71          1
                                       7.250            994.62         90
                                       7.000            994.62
    PHOENIX          AZ   85043          1            06/24/02         12
    1379249                              03           08/01/02         25
    1379249                              N            07/01/32
    0

    7936903          286/286             F           64,800.00         ZZ
                                         360         64,688.25          1
                                       7.125            436.57         80
                                       6.875            436.57
    BALTIMORE        MD   21227          2            07/16/02         00
    1354656                              03           09/01/02          0
    1354656                              N            08/01/32
    0

    7936979          286/286             F          107,600.00         ZZ
                                         360        107,340.30          1
                                       7.125            724.93         80
                                       6.875            724.93
    MESA             AZ   85207          2            06/21/02         00
    1355930                              03           08/01/02          0
    1355930                              N            07/01/32
    0

    7937199          286/286             F           78,800.00         ZZ
                                         360         78,600.26          1
                                       6.875            517.66         80
                                       6.625            517.66
    MCARTHUR         CA   96056          1            06/19/02         00
    805272                               05           08/01/02          0
    805272                               N            07/01/32
    0

    7938013          E22/G02             F          213,000.00         ZZ
                                         360        212,821.05          1
                                       6.875          1,399.26         77
                                       6.625          1,399.26
1

    OAK PARK         IL   60304          5            08/05/02         00
    0414487652                           05           10/01/02          0
    0414487652                           O            09/01/32
    0

    7939453          U42/G02             F          160,000.00         ZZ
                                         360        159,858.83          1
                                       6.625          1,024.50         73
                                       6.375          1,024.50
    WEATHERFORD      TX   76086          5            08/05/02         00
    0434397535                           05           10/01/02          0
    33200598                             O            09/01/32
    0

    7939829          E22/G02             F          224,000.00         ZZ
                                         360        223,811.81          1
                                       6.875          1,471.52         80
                                       6.625          1,471.52
    GRANBY           CT   06035          2            08/07/02         00
    0414300863                           05           10/01/02          0
    0414300863                           O            09/01/32
    0

    7942735          737/G02             F           59,700.00         ZZ
                                         360         59,604.24          1
                                       7.125            402.21         80
                                       6.875            402.21
    SAINT LOUIS      MO   63113          2            07/26/02         00
    0434413167                           05           09/01/02          0
    2075100                              O            08/01/32
    0

    7943843          E22/G02             F           91,625.00         ZZ
                                         360         91,466.43          1
                                       7.250            625.04         77
                                       7.000            625.04
    COLORADO SPRING  CO   80911          5            08/08/02         00
    0414491993                           05           10/01/02          0
    0414491993                           O            09/01/32
    0

    7944191          W02/G02             F           64,000.00         ZZ
                                         360         63,944.89          1
                                       6.750            415.11         78
                                       6.500            415.11
    JACKSONVILLE     FL   32208          5            08/07/02         00
    0434455317                           05           10/01/02          0
    1001369403                           O            09/01/32
    0
1

    7945013          W02/G02             F           59,500.00         ZZ
                                         360         59,399.73          1
                                       6.875            390.88         85
                                       6.625            390.88
    HOLLY HILL       FL   32117          5            07/25/02         12
    0434499943                           05           09/01/02         12
    1001340966                           O            08/01/32
    0

    7945357          A46/G02             F           94,500.00         ZZ
                                         360         94,418.63          4
                                       6.750            612.93         90
                                       6.500            612.93
    HOUSTON          TX   77088          1            08/07/02         04
    0434421467                           05           10/01/02         25
    0560125                              N            09/01/32
    0

    7952157          J95/G02             F          191,000.00         ZZ
                                         360        190,550.29          1
                                       7.250          1,302.96         77
                                       7.000          1,302.96
    BANNER ELK       NC   28604          5            06/10/02         00
    0434475638                           05           08/01/02          0
    0029137379                           O            07/01/32
    0

    7952169          J95/G02             F          129,000.00         ZZ
                                         360        128,503.10          1
                                       7.375            890.97         36
                                       7.125            890.97
    TRURO            MA   02666          2            06/25/02         00
    0434475745                           05           08/01/02          0
    0029269792                           O            07/01/32
    0

    7952171          J95/G02             F          134,400.00         ZZ
                                         360        134,083.55          1
                                       7.250            916.85         80
                                       7.000            916.85
    ESSEX JUNCTION   VT   05452          1            06/24/02         00
    0434475737                           05           08/01/02          0
    0029273687                           O            07/01/32
    0

    7952201          J95/G02             F          125,550.00         ZZ
                                         360        125,358.33          4
1

                                       7.375            867.15         90
                                       7.125            867.15
    PHOENIX          AZ   85006          1            07/17/02         12
    0434470597                           05           09/01/02         25
    0029551082                           N            08/01/32
    0

    7952209          J95/G02             F           94,400.00         ZZ
                                         360         94,183.18          1
                                       7.375            652.00         80
                                       7.125            652.00
    ASHEVILLE        NC   28804          1            06/26/02         00
    0434475265                           05           08/01/02          0
    0029566528                           N            07/01/32
    0

    7952217          J95/G02             F          184,500.00         ZZ
                                         360        184,196.64          1
                                       7.000          1,227.49         90
                                       6.750          1,227.49
    ALLYN            WA   98524          1            07/23/02         10
    0434479945                           03           09/01/02         25
    0029641271                           O            08/01/32
    0

    7957979          X44/G02             F          135,900.00         ZZ
                                         360        135,783.00          1
                                       6.750            881.44         80
                                       6.500            881.44
    SPRING VALLEY    NY   10977          1            08/15/02         00
    0434608378                           01           10/01/02          0
    6309                                 O            09/01/32
    0

    7958249          E98/G02             F          127,900.00         ZZ
                                         360        127,795.16          1
                                       7.000            850.92         80
                                       6.750            850.92
    MAPLE GROVE      MN   55369          1            08/15/02         00
    0434648887                           09           10/01/02          0
    8130001613992                        N            09/01/32
    0

    7959337          286/286             F           89,250.00         ZZ
                                         360         89,039.84          1
                                       7.250            608.85         85
                                       7.000            608.85
    CINCINNATI       OH   45209          5            06/12/02         12
    1308864                              05           08/01/02         12
1

    1308864                              N            07/01/32
    0

    7959431          286/286             F          142,500.00         ZZ
                                         360        142,164.47          2
                                       7.250            972.11         75
                                       7.000            972.11
    SAN DIEGO        CA   92105          1            06/06/02         00
    1326208                              05           08/01/02          0
    1326208                              N            07/01/32
    0

    7959927          286/286             F           56,800.00         ZZ
                                         360         56,669.52          1
                                       7.375            392.31         71
                                       7.125            392.31
    FLORISSANT       MO   63033          5            07/02/02         00
    1352154                              05           08/01/02          0
    1352154                              N            07/01/32
    0

    7963777          286/286             F          153,500.00         ZZ
                                         360        153,247.62          1
                                       7.000          1,021.24         88
                                       6.750          1,021.24
    CUYAHOGA FALLS   OH   44223          2            07/17/02         11
    1390571                              05           09/01/02         25
    1390571                              O            08/01/32
    0

    7964703          286/286             F           57,000.00         ZZ
                                         360         56,820.49          3
                                       7.250            388.85         75
                                       7.000            388.85
    WILKINSBURG      PA   15221          5            05/07/02         00
    1268910                              05           07/01/02          0
    1268910                              N            06/01/32
    0

    7970093          Q87/G02             F          104,750.00         ZZ
                                         360        104,577.44          1
                                       6.990            696.20         60
                                       6.740            696.20
    ROCKY FACE       GA   30740          2            08/13/02         00
    0434465183                           05           09/19/02          0
    TUED01                               O            08/19/32
    0

1

    7972539          U42/G02             F          113,050.00         ZZ
                                         360        112,955.02          1
                                       6.875            742.66         70
                                       6.625            742.66
    PLANO            TX   75075          1            08/20/02         00
    0434641353                           05           10/01/02          0
    12201368                             O            09/01/32
    0

    7972591          S11/G02             F          130,500.00         ZZ
                                         360        130,403.16          2
                                       7.500            912.47         61
                                       7.250            912.47
    LAKE ELSINORE    CA   92530          2            08/05/02         00
    0434453007                           05           10/01/02          0
    10208300                             N            09/01/32
    0

    7975531          E82/G02             F          222,000.00         ZZ
                                         360        221,808.86          1
                                       6.750          1,439.89         80
                                       6.500          1,439.89
    WHITE PLAINS     NY   10607          2            08/21/02         00
    0400672135                           05           10/01/02          0
    1781718                              O            09/01/32
    0

    7975567          E82/G02             F          277,900.00         ZZ
                                         360        277,688.54          1
                                       7.375          1,919.39         70
                                       7.125          1,919.39
    BREWSTER         NY   10509          5            08/21/02         00
    0400664371                           05           10/01/02          0
    0400664371                           O            09/01/32
    0

    7975831          E23/G02             F          184,000.00         ZZ
                                         360        183,841.58          1
                                       6.750          1,193.42         80
                                       6.500          1,193.42
    ELK GROVE        CA   95758          2            08/09/02         00
    0434475653                           05           10/01/02          0
    61006376                             O            09/01/32
    0

    7978401          E22/G02             F          118,800.00         ZZ
                                         360        118,702.62          1
                                       7.000            790.38         76
                                       6.750            790.38
1

    SPRING           TX   77379          1            08/22/02         00
    0414536870                           03           10/01/02          0
    0414536870                           O            09/01/32
    0

    7978425          E22/G02             F          178,200.00         ZZ
                                         360        178,060.99          1
                                       7.250          1,215.64         90
                                       7.000          1,215.64
    FORT COLLINS     CO   80521          1            08/23/02         04
    0414566661                           05           10/01/02         25
    0414566661                           O            09/01/32
    0

    7978497          E22/G02             F          182,700.00         ZZ
                                         360        182,549.24          1
                                       7.000          1,215.51         90
                                       6.750          1,215.51
    AURORA           CO   80012          1            08/23/02         04
    0414634360                           05           10/01/02         25
    0414634360                           O            09/01/32
    0

    7978745          E82/G02             F          125,000.00         ZZ
                                         360        124,894.99          1
                                       6.875            821.16         67
                                       6.625            821.16
    AUGUSTA          KS   67010          5            08/20/02         00
    0400671657                           05           10/01/02          0
    0400671657                           O            09/01/32
    0

    7979781          W39/G02             F           94,400.00         ZZ
                                         360         94,314.65          1
                                       6.500            596.68         80
                                       6.250            596.68
    CARROLLTON       TX   75010          1            08/20/02         00
    0434596888                           05           10/01/02          0
    PN120997                             O            09/01/32
    0

    7981683          E82/G02             F           96,000.00         ZZ
                                         360         95,915.30          1
                                       6.625            614.70         26
                                       6.375            614.70
    WILMINGTON       NC   28409          2            08/21/02         00
    0400675237                           05           10/01/02          0
    4019898                              O            09/01/32
    0
1

    7982271          E22/G02             F          156,000.00         ZZ
                                         360        155,881.30          1
                                       7.375          1,077.45         80
                                       7.125          1,077.45
    CALEXICO         CA   92231          5            08/15/02         00
    0414346718                           05           10/01/02          0
    0414346718                           O            09/01/32
    0

    7982313          E22/G02             F          182,000.00         ZZ
                                         360        181,847.10          1
                                       6.875          1,195.61         80
                                       6.625          1,195.61
    SUNRIVER         OR   97707          1            08/05/02         00
    0414543744                           03           10/01/02          0
    0414543744                           N            09/01/32
    0

    7984351          X31/G02             F          160,000.00         ZZ
                                         360        159,868.85          2
                                       7.000          1,064.48         69
                                       6.750          1,064.48
    OCEANSIDE        CA   92054          5            08/19/02         00
    0434621231                           05           10/01/02          0
    40103247                             O            09/01/32
    0

    7984597          253/253             F          125,600.00         ZZ
                                         360        125,489.18          1
                                       6.625            804.24         80
                                       6.375            804.24
    LOVELAND         OH   45140          1            08/15/02         00
    994161                               05           10/01/02          0
    994161                               O            09/01/32
    0

    7985575          E22/G02             F          170,000.00         ZZ
                                         360        169,846.31          1
                                       6.500          1,074.52         20
                                       6.250          1,074.52
    SALISBURY        CT   06068          2            08/21/02         00
    0414630608                           05           10/01/02          0
    0414630608                           O            09/01/32
    0

    7985637          E22/G02             F          100,000.00         ZZ
                                         360         99,758.52          1
1

                                       6.500            632.07         80
                                       6.250            632.07
    COLUMBIA         SC   29204          1            08/27/02         00
    0414684233                           05           10/01/02          0
    0414684233                           O            09/01/32
    0

    7985979          N74/G02             F          138,000.00         ZZ
                                         360        137,889.10          2
                                       7.100            927.40         79
                                       6.850            927.40
    SANDY            UT   84070          5            08/23/02         00
    0434484960                           05           10/01/02          0
    0030630010                           N            09/01/32
    0

    7986499          K15/G02             F          191,200.00         ZZ
                                         360        191,039.37          1
                                       6.875          1,256.05         85
                                       6.625          1,256.05
    MANCHESTER       NH   03103          5            08/22/02         41
    0434643466                           05           10/01/02         12
    033105502238                         O            09/01/32
    0

    7986613          696/G02             F          188,000.00         ZZ
                                         360        187,845.90          1
                                       7.000          1,250.77         80
                                       6.750          1,250.77
    MT RANIER        MD   20712          1            08/14/02         00
    0434490108                           05           10/01/02          0
    20202042                             O            09/01/32
    0

    7987539          E22/G02             F          131,100.00         ZZ
                                         360        130,992.54          1
                                       7.000            872.21         95
                                       6.750            872.21
    FLORENCE         AL   35634          1            08/27/02         04
    0414293944                           05           10/01/02         35
    0414293944                           O            09/01/32
    0

    7987575          E22/G02             F          103,300.00         ZZ
                                         360        103,219.41          1
                                       7.250            704.69         79
                                       7.000            704.69
    FORT WORTH       TX   76133          5            08/20/02         00
    0414484402                           05           10/01/02          0
1

    0414484402                           O            09/01/32
    0

    7987593          E22/G02             F          117,325.00         ZZ
                                         360        117,221.49          1
                                       6.625            751.24         95
                                       6.375            751.24
    GLENWOOD SPRING  CO   81601          1            08/28/02         01
    0414509224                           01           10/01/02         30
    0414509224                           O            09/01/32
    0

    7987657          E22/G02             F          108,000.00         ZZ
                                         360        107,902.37          1
                                       6.500            682.63         90
                                       6.250            682.63
    SALT LAKE CITY   UT   84118          5            08/23/02         04
    0414588210                           05           10/01/02         25
    0414588210                           O            09/01/32
    0

    7987681          E22/G02             F           48,900.00         ZZ
                                         360         48,859.92          1
                                       7.000            325.33         95
                                       6.750            325.33
    SEVIERVILLE      TN   37876          1            08/28/02         01
    0414612127                           05           10/01/02         30
    0414612127                           O            09/01/32
    0

    7987803          E22/G02             F          151,000.00         ZZ
                                         360        150,866.78          1
                                       6.625            966.87        100
                                       6.375            966.87
    SPOKANE          WA   99203          1            08/20/02         04
    0414686535                           05           10/01/02         35
    0414686535                           O            09/01/32
    0

    7987887          E22/G02             F          189,000.00         ZZ
                                         360        188,856.18          2
                                       7.375          1,305.38         90
                                       7.125          1,305.38
    NEW ORLEANS      LA   70119          1            08/28/02         01
    0414776898                           05           10/01/02         25
    0414776898                           N            09/01/32
    0

1

    7987903          E22/G02             F           45,000.00         ZZ
                                         360         44,962.19          1
                                       6.875            295.62         49
                                       6.625            295.62
    BOYONTON BEACH   FL   33436          1            08/28/02         00
    0414790691                           01           10/01/02          0
    0414790691                           O            09/01/32
    0

    7988337          E82/G02             F           98,500.00         ZZ
                                         360         98,415.19          1
                                       6.750            638.87         82
                                       6.500            638.87
    DOUGLAS          AZ   85607          2            08/26/02         04
    0400672200                           05           10/01/02         12
    0400672200                           O            09/01/32
    0

    7988453          E82/G02             F          109,500.00         ZZ
                                         360        109,410.24          1
                                       7.000            728.51         73
                                       6.750            728.51
    FRIENDSWOOD      TX   77546          2            08/23/02         00
    0400662854                           05           10/01/02          0
    0400662854                           O            09/01/32
    0

    7989203          E60/G02             F          216,800.00         ZZ
                                         360        216,604.21          1
                                       6.500          1,370.12         80
                                       6.250          1,370.12
    ESCONDIDO        CA   92027          1            08/15/02         00
    0434618831                           09           10/01/02          0
    525623                               N            09/01/32
    0

    7990535          A06/G02             F          248,000.00         ZZ
                                         360        247,791.64          1
                                       6.875          1,629.19         78
                                       6.625          1,629.19
    COMMERCE         MI   48391          2            08/21/02         00
    0434610176                           29           10/01/02          0
    1000010201149                        O            09/01/32
    0

    7991825          U05/G02             F           90,000.00         ZZ
                                         360         89,926.23          1
                                       7.000            598.77         72
                                       6.750            598.77
1

    WICHITA FALLS    TX   76309          5            08/07/02         00
    0434620647                           05           10/01/02          0
    3248565                              O            09/01/32
    0

    7993341          E22/G02             F           80,000.00         ZZ
                                         360         79,939.13          1
                                       7.375            552.54         77
                                       7.125            552.54
    MIAMI            FL   33172          1            08/29/02         00
    0414726885                           01           10/01/02          0
    0414726885                           O            09/01/32
    0

    7993375          E22/G02             F          155,040.00         ZZ
                                         360        154,912.92          1
                                       7.000          1,031.48         76
                                       6.750          1,031.48
    AURORA           CO   80010          1            08/22/02         00
    0414760629                           05           10/01/02          0
    0414760629                           O            09/01/32
    0

    7993411          E22/G02             F          123,200.00         ZZ
                                         360        123,091.31          1
                                       6.625            788.86         80
                                       6.375            788.86
    DENVER           CO   80211          1            08/29/02         00
    0414824060                           01           10/01/02          0
    0414824060                           O            09/01/32
    0

    7993417          E22/G02             F           56,800.00         ZZ
                                         360         56,749.88          1
                                       6.625            363.70         80
                                       6.375            363.70
    FORT WALTON BEA  FL   32548          1            08/29/02         00
    0414844837                           09           10/01/02          0
    0414844837                           N            09/01/32
    0

    7993863          806/G02             F          174,150.00         ZZ
                                         360        173,697.62          1
                                       6.750          1,129.54         80
                                       6.500          1,129.54
    WEST SACRAMENTO  CA   95691          1            06/01/02         00
    0434517058                           05           08/01/02          0
    1070006345                           O            07/01/32
    0
1

    7994151          S11/G02             F          227,000.00         ZZ
                                         360        226,804.56          2
                                       6.750          1,472.32         33
                                       6.500          1,472.32
    NEWPORT BEACH    CA   92663          2            08/22/02         00
    0434609152                           05           10/01/02          0
    10208601                             N            09/01/32
    0

    7995043          E86/G02             F           89,160.00         ZZ
                                         360         89,092.15          1
                                       7.375            615.81         86
                                       7.125            615.81
    NORRISTOWN       PA   19403          1            08/27/02         11
    0434490041                           01           10/01/02         25
    0000209910                           O            09/01/32
    0

    7995743          E22/G02             F          157,400.00         ZZ
                                         360        157,267.76          3
                                       6.875          1,034.01         90
                                       6.625          1,034.01
    NASHUA           NH   03060          1            08/30/02         04
    0414519595                           05           10/01/02         25
    0414519595                           N            09/01/32
    0

    7995877          E22/G02             F           89,600.00         ZZ
                                         360         89,524.72          1
                                       6.875            588.61         80
                                       6.625            588.61
    VENTNOR          NJ   08406          1            08/30/02         00
    0414633693                           07           10/01/02          0
    0414633693                           N            09/01/32
    0

    7995881          E22/G02             F          105,000.00         ZZ
                                         360        104,913.93          1
                                       7.000            698.57         75
                                       6.750            698.57
    SACRAMENTO       CA   95820          2            08/27/02         00
    0414634949                           05           10/01/02          0
    0414634949                           N            09/01/32
    0

    7995897          E22/G02             F           56,000.00         ZZ
                                         360         55,750.60          1
1

                                       6.625            358.57         75
                                       6.375            358.57
    HOUSTON          TX   77087          5            08/26/02         00
    0414650002                           05           10/01/02          0
    0414650002                           O            09/01/32
    0

    7995931          E22/G02             F           80,000.00         ZZ
                                         360         79,934.43          1
                                       7.000            532.24         70
                                       6.750            532.24
    HOUSTON          TX   77083          5            08/26/02         00
    0414673921                           03           10/01/02          0
    0414673921                           O            09/01/32
    0

    7995973          E22/G02             F          175,000.00         ZZ
                                         360        174,845.61          1
                                       6.625          1,120.54         60
                                       6.375          1,120.54
    MARBLE FALLS     TX   78654          5            08/26/02         00
    0414693622                           05           10/01/02          0
    0414693622                           O            09/01/32
    0

    7995999          E22/G02             F          151,920.00         ZZ
                                         360        151,792.37          1
                                       6.875            998.01         80
                                       6.625            998.01
    SILVER SPRING    MD   20910          1            08/30/02         00
    0414716563                           01           10/01/02          0
    0414716563                           O            09/01/32
    0

    7996051          E22/G02             F          110,250.00         T
                                         360        110,163.99          1
                                       7.250            752.10         70
                                       7.000            752.10
    FORT PIERCE      FL   34949          1            08/30/02         00
    0414734541                           05           10/01/02          0
    0414734541                           O            09/01/32
    0

    7996091          E22/G02             F           80,300.00         ZZ
                                         360         80,230.87          1
                                       6.750            520.82         89
                                       6.500            520.82
    FOREST PARK      GA   30297          2            08/23/02         01
    0414751883                           05           10/01/02         30
1

    0414751883                           O            09/01/32
    0

    7996141          E22/G02             F           94,500.00         T
                                         360         94,428.09          1
                                       7.375            652.69         90
                                       7.125            652.69
    OLD ORCHARD BEA  ME   04064          1            08/30/02         04
    0414774729                           01           10/01/02         25
    0414774729                           O            09/01/32
    0

    7996171          E22/G02             F          113,400.00         ZZ
                                         360        113,297.48          1
                                       6.500            716.77         70
                                       6.250            716.77
    COLORADO SPRING  CO   80911          1            08/30/02         00
    0414787846                           05           10/01/02          0
    0414787846                           N            09/01/32
    0

    7996237          E22/G02             F           94,000.00         ZZ
                                         360         93,919.07          1
                                       6.750            609.68         79
                                       6.500            609.68
    ROANOKE          VA   24153          2            08/30/02         00
    0414818773                           07           10/01/02          0
    0414818773                           N            09/01/32
    0

    7996245          E22/G02             F           94,000.00         ZZ
                                         360         93,919.07          1
                                       6.750            609.68         79
                                       6.500            609.68
    ROANOKE          VA   24153          2            08/30/02         00
    0414822486                           05           10/01/02          0
    0414822486                           N            09/01/32
    0

    7996249          E22/G02             F           90,000.00         ZZ
                                         360         89,920.59          1
                                       6.625            576.28         80
                                       6.375            576.28
    FORT WORTH       TX   76107          1            08/28/02         00
    0414824490                           05           10/01/02          0
    0414824490                           N            09/01/32
    0

1

    7999973          P67/G02             F          166,600.00         ZZ
                                         360        166,600.00          1
                                       6.875          1,094.44         78
                                       6.625          1,094.44
    DUNELLEN         NJ   08812          5            09/03/02         00
    0434631214                           05           11/01/02          0
    0603069                              O            10/01/32
    0

    8001099          E22/G02             F          232,000.00         ZZ
                                         360        231,800.25          1
                                       6.750          1,504.75         80
                                       6.500          1,504.75
    WALNUT AREA      CA   91789          5            08/21/02         00
    0414426098                           05           10/01/02          0
    0414426098                           O            09/01/32
    0

    8001169          E22/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.750          1,135.05         95
                                       6.500          1,135.05
    TUSCUMBIA        AL   35674          2            08/29/02         04
    0414589168                           05           11/01/02         30
    0414589168                           O            10/01/32
    0

    8001203          E22/G02             F          124,000.00         ZZ
                                         360        123,893.24          1
                                       6.750            804.26         80
                                       6.500            804.26
    PERRY HALL       MD   21128          1            09/03/02         00
    0414627596                           09           10/01/02          0
    0414627596                           O            09/01/32
    0

    8001269          E22/G02             F          141,200.00         ZZ
                                         360        141,084.26          1
                                       7.000            939.41         80
                                       6.750            939.41
    TACOMA           WA   98498          1            08/28/02         00
    0414701961                           05           10/01/02          0
    0414701961                           O            09/01/32
    0

    8001289          E22/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       7.000            958.04         80
                                       6.750            958.04
1

    SACRAMENTO       CA   95825          1            08/29/02         00
    0414710137                           05           11/01/02          0
    0414710137                           N            10/01/32
    0

    8001295          E22/G02             F          171,000.00         ZZ
                                         360        170,845.41          1
                                       6.500          1,080.84         86
                                       6.250          1,080.84
    MARIETTA         GA   30066          5            08/28/02         01
    0414717991                           05           10/01/02         25
    0414717991                           O            09/01/32
    0

    8001329          E22/G02             F          160,800.00         ZZ
                                         360        160,658.13          1
                                       6.625          1,029.62         80
                                       6.375          1,029.62
    LOVELAND         CO   80538          2            08/27/02         00
    0414747329                           05           10/01/02          0
    0414747329                           O            09/01/32
    0

    8001353          E22/G02             F          297,000.00         ZZ
                                         360        296,731.51          1
                                       6.500          1,877.24         88
                                       6.250          1,877.24
    REX              GA   30273          1            09/03/02         01
    0414765503                           05           10/01/02         25
    0414765503                           O            09/01/32
    0

    8001373          E22/G02             F          168,800.00         ZZ
                                         360        168,671.56          1
                                       7.375          1,165.86         80
                                       7.125          1,165.86
    HOUSTON          TX   77092          5            08/28/02         00
    0414783019                           05           10/01/02          0
    0414783019                           O            09/01/32
    0

    8001379          E22/G02             F          143,500.00         ZZ
                                         360        143,370.27          1
                                       6.500            907.02         70
                                       6.250            907.02
    COLORADO SPRING  CO   80911          1            09/03/02         00
    0414788042                           05           10/01/02          0
    0414788042                           N            09/01/32
    0
1

    8002339          N34/G02             F          102,250.00         ZZ
                                         360        102,250.00          1
                                       6.625            654.72         79
                                       6.375            654.72
    HIGHLAND         IN   46322          2            08/26/02         00
    0434517967                           05           11/01/02          0
    7212224                              O            10/01/32
    0

    8002377          N34/G02             F           67,000.00         ZZ
                                         360         66,942.32          1
                                       6.750            434.56         90
                                       6.500            434.56
    PRICETON         IL   61356          1            08/29/02         10
    0434632311                           05           10/01/02         25
    0604755                              N            09/01/32
    0

    8002987          P59/G02             F           90,000.00         ZZ
                                         360         89,918.64          1
                                       6.500            568.86         72
                                       6.250            568.86
    LANCASTER        CA   93535          1            08/26/02         00
    0434610051                           05           10/01/02          0
    AT004149                             O            09/01/32
    0

    8003347          J95/G02             F          300,000.00         ZZ
                                         360        299,754.09          1
                                       7.000          1,995.91         79
                                       6.750          1,995.91
    BLAINE           WA   98230          1            08/15/02         00
    0434491098                           05           10/01/02          0
    0029716503                           N            09/01/32
    0

    8004711          196/G02             F          145,600.00         ZZ
                                         360        145,372.15          1
                                       7.250            993.25         77
                                       7.000            993.25
    LOWELL           MA   01851          5            07/15/02         00
    0434538518                           05           09/01/02          0
    1322461                              O            08/01/32
    0

    8005049          U05/G02             F          203,200.00         ZZ
                                         360        202,868.12          1
1

                                       7.250          1,386.18         80
                                       7.000          1,386.18
    MARBLE FALLS     TX   78657          5            08/01/02         00
    0434505947                           03           09/01/02          0
    3240495                              O            08/01/32
    0

    8005061          G34/G02             F           85,500.00         ZZ
                                         360         85,433.30          1
                                       7.250            583.26         95
                                       7.000            583.26
    FRANKLINTON      LA   70438          1            08/23/02         04
    0434531489                           05           10/01/02         30
    85205249                             O            09/01/32
    0

    8005063          E22/G02             F           52,200.00         ZZ
                                         360         52,160.28          1
                                       7.375            360.53         90
                                       7.125            360.53
    AUGUSTA          GA   30904          2            08/23/02         01
    0414031666                           05           10/01/02         25
    0414031666                           N            09/01/32
    0

    8005109          E22/G02             F          178,500.00         ZZ
                                         360        178,350.04          1
                                       6.875          1,172.62         70
                                       6.625          1,172.62
    CANTON           MS   39046          5            08/29/02         00
    0414560623                           05           10/01/02          0
    0414560623                           O            09/01/32
    0

    8005181          E22/G02             F           56,150.00         ZZ
                                         360         56,105.10          1
                                       7.125            378.29         67
                                       6.875            378.29
    SAN ANTONIO      TX   78216          5            08/28/02         00
    0414692673                           05           10/01/02          0
    0414692673                           O            09/01/32
    0

    8005189          E22/G02             F          107,000.00         ZZ
                                         360        106,912.30          1
                                       7.000            711.87         86
                                       6.750            711.87
    TACOMA           WA   98444          2            08/27/02         04
    0414702498                           05           10/01/02         25
1

    0414702498                           N            09/01/32
    0

    8005257          E22/G02             F           82,500.00         ZZ
                                         360         82,425.42          1
                                       6.500            521.46         79
                                       6.250            521.46
    PICKERINGTON     OH   43147          5            08/29/02         00
    0414756213                           01           10/01/02          0
    0414756213                           O            09/01/32
    0

    8005307          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.000            585.47         80
                                       6.750            585.47
    KANSAS CITY      MO   64131          2            09/04/02         00
    0414827337                           05           11/01/02          0
    0414827337                           N            10/01/32
    0

    8005373          E82/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       7.375            718.30         80
                                       7.125            718.30
    WAYNE            OH   43466          5            08/28/02         00
    0400641247                           05           11/01/02          0
    0400641247                           O            10/01/32
    0

    8005383          E82/G02             F          208,000.00         ZZ
                                         360        208,000.00          1
                                       6.875          1,366.41         80
                                       6.625          1,366.41
    HAYWARD          CA   94544          2            08/29/02         00
    0400677332                           05           11/01/02          0
    1951243                              O            10/01/32
    0

    8005387          E82/G02             F          129,100.00         ZZ
                                         360        129,100.00          1
                                       6.875            848.10         50
                                       6.625            848.10
    ANTIOCH          TN   37013          5            08/28/02         00
    0400653911                           05           11/01/02          0
    0400653911                           O            10/01/32
    0

1

    8005415          E82/G02             F          201,000.00         ZZ
                                         360        201,000.00          1
                                       6.625          1,287.03         67
                                       6.375          1,287.03
    WEST COVINA      CA   91791          5            08/29/02         00
    0400675187                           05           11/01/02          0
    0400675187                           O            10/01/32
    0

    8005433          E82/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.625            832.40         65
                                       6.375            832.40
    ROSELAND         NJ   07068          2            08/27/02         00
    0400679817                           05           11/01/02          0
    1883130                              O            10/01/32
    0

    8005441          E82/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.875            656.93         50
                                       6.625            656.93
    LISLE            IL   60532          2            08/29/02         00
    0400663464                           03           11/01/02          0
    0400663464                           O            10/01/32
    0

    8007021          477/G02             F          193,600.00         ZZ
                                         360        193,437.36          1
                                       6.875          1,271.81         80
                                       6.625          1,271.81
    CAVE CREEK       AZ   85331          1            08/19/02         00
    0434545778                           03           10/01/02          0
    237886                               O            09/01/32
    0

    8007053          S11/G02             F          319,500.00         ZZ
                                         360        319,256.88          3
                                       7.375          2,206.71         90
                                       7.125          2,206.71
    SAN PEDRO AREA   CA   90732          5            08/21/02         11
    0434598561                           05           10/01/02         30
    10208412                             O            09/01/32
    0

    8007055          X82/G02             F          236,000.00         ZZ
                                         360        235,811.27          1
                                       7.125          1,589.98         80
                                       6.875          1,589.98
1

    ALEXANDRIA       VA   22309          1            08/30/02         00
    0434567350                           09           10/01/02          0
    836243                               O            09/01/32
    0

    8007107          737/G02             F          157,500.00         ZZ
                                         360        157,374.05          2
                                       7.125          1,061.11         80
                                       6.875          1,061.11
    SACRAMENTO       CA   95823          5            08/22/02         00
    0434511275                           05           10/01/02          0
    2078708                              O            09/01/32
    0

    8007299          758/G02             F          156,000.00         ZZ
                                         360        155,858.97          1
                                       6.500            986.03         79
                                       6.250            986.03
    BROOMFIELD       CO   80020          1            08/27/02         00
    0434607362                           05           10/01/02          0
    620528                               O            09/01/32
    0

    8007347          U36/G02             F          252,000.00         ZZ
                                         360        251,788.29          1
                                       6.875          1,655.46         95
                                       6.625          1,655.46
    VILLA RICA       GA   30180          1            08/09/02         12
    0434613915                           03           10/01/02         30
    994101001                            O            09/01/32
    0

    8007367          M43/G02             F          100,800.00         ZZ
                                         360        100,800.00          1
                                       7.250            687.63         90
                                       7.000            687.63
    RESTON           VA   20191          1            09/03/02         14
    0434523122                           01           11/01/02         30
    73303432                             N            10/01/32
    0

    8009379          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       7.375            966.95         76
                                       7.125            966.95
    WHITEVILLE       NC   28472          1            09/05/02         00
    0414311373                           05           11/01/02          0
    0414311373                           N            10/01/32
    0
1

    8009417          E22/G02             F          213,750.00         ZZ
                                         360        213,750.00          1
                                       8.000          1,568.42         95
                                       7.750          1,568.42
    MERCED           CA   95340          5            08/29/02         01
    0414517698                           05           11/01/02         30
    0414517698                           O            10/01/32
    0

    8009449          E22/G02             F          162,000.00         ZZ
                                         360        161,860.52          1
                                       6.750          1,050.73         80
                                       6.500          1,050.73
    LOUISVILLE       KY   40241          5            08/30/02         00
    0414602060                           05           10/01/02          0
    0414602060                           O            09/01/32
    0

    8009549          E22/G02             F          138,500.00         ZZ
                                         360        138,500.00          1
                                       7.000            921.44         47
                                       6.750            921.44
    DALLAS           TX   75205          2            09/05/02         00
    0414728212                           05           11/01/02          0
    0414728212                           N            10/01/32
    0

    8009561          E22/G02             F          288,000.00         ZZ
                                         360        288,000.00          1
                                       7.250          1,964.67         90
                                       7.000          1,964.67
    SACRAMENTO       CA   95821          1            08/30/02         04
    0414738328                           03           11/01/02         35
    0414738328                           O            10/01/32
    0

    8009627          E22/G02             F           83,000.00         ZZ
                                         360         82,928.54          1
                                       6.750            538.34         85
                                       6.500            538.34
    TUSCALOOSA       AL   35404          5            08/30/02         04
    0414796250                           05           10/01/02         12
    0414796250                           O            09/01/32
    0

    8009629          E22/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
1

                                       6.750          1,323.14         80
                                       6.500          1,323.14
    GRASS VALLEY     CA   95949          1            08/30/02         00
    0414797464                           05           11/01/02          0
    0414797464                           O            10/01/32
    0

    8009703          E22/G02             F          285,000.00         ZZ
                                         360        285,000.00          1
                                       6.875          1,872.25         95
                                       6.625          1,872.25
    MIAMI            FL   33155          1            09/05/02         01
    0414897090                           05           11/01/02         30
    0414897090                           O            10/01/32
    0

    8009787          E82/G02             F          120,900.00         ZZ
                                         360        120,900.00          1
                                       6.500            764.17         70
                                       6.250            764.17
    WESTWOOD         NJ   07675          2            09/04/02         00
    0400682936                           05           11/01/02          0
    3334277                              O            10/01/32
    0

    8009973          Q87/G02             F           83,700.00         ZZ
                                         240         83,529.34          1
                                       6.500            624.04         90
                                       6.250            624.04
    NICHOLLS         GA   31554          5            08/30/02         10
    0434529681                           05           10/05/02         25
    TASH02                               O            09/05/22
    0

    8010181          562/G02             F          216,000.00         ZZ
                                         360        215,638.16          2
                                       7.125          1,455.24         80
                                       6.875          1,455.24
    BROOKLYN         NY   11208          5            08/22/02         00
    0434668307                           05           10/01/02          0
    001010000000167                      O            09/01/32
    0

    8011641          313/G02             F           90,250.00         ZZ
                                         360         90,108.76          1
                                       7.250            615.67         95
                                       7.000            615.67
    SOUTH HOLLAND    IL   60473          5            07/15/02         11
    0434508180                           05           09/01/02         30
1

    8826547                              O            08/01/32
    0

    8011873          X52/G02             F          216,000.00         ZZ
                                         360        215,804.73          1
                                       6.500          1,365.27         65
                                       6.250          1,365.27
    KEY WEST         FL   33040          2            08/30/02         00
    0434632766                           05           10/01/02          0
    FELGER0702                           N            09/01/32
    0

    8012131          N47/G02             F          174,400.00         ZZ
                                         360        174,238.47          1
                                       6.375          1,088.03         80
                                       6.125          1,088.03
    TRACY            CA   95376          5            08/26/02         00
    0434597910                           05           10/01/02          0
    30321126                             O            09/01/32
    0

    8013571          975/G02             F          255,000.00         ZZ
                                         360        254,758.04          1
                                       6.250          1,570.08         68
                                       6.000          1,570.08
    GARDEN GROVE     CA   92844          5            08/21/02         00
    0434526729                           05           10/01/02          0
    2023231                              O            09/01/32
    0

    8013681          E22/G02             F          219,900.00         ZZ
                                         360        219,705.99          1
                                       6.625          1,408.04         88
                                       6.375          1,408.04
    WEST HAVEN       CT   06516          1            09/06/02         04
    0414089714                           05           10/01/02         25
    0414089714                           O            09/01/32
    0

    8013689          E22/G02             F          176,000.00         ZZ
                                         360        175,844.72          1
                                       6.625          1,126.95         77
                                       6.375          1,126.95
    PANORAMA CITY(L  CA   91402          5            08/21/02         00
    0414353110                           05           10/01/02          0
    0414353110                           O            09/01/32
    0

1

    8013701          E22/G02             F          196,200.00         ZZ
                                         360        196,035.17          1
                                       6.875          1,288.89         90
                                       6.625          1,288.89
    RIVERSIDE        CA   92509          1            08/30/02         04
    0414497503                           05           10/01/02         25
    0414497503                           O            09/01/32
    0

    8013729          E22/G02             F          236,700.00         ZZ
                                         360        236,700.00          1
                                       7.000          1,574.77         90
                                       6.750          1,574.77
    COPPELL          TX   75019          1            09/05/02         04
    0414606301                           03           11/01/02         25
    0414606301                           O            10/01/32
    0

    8013789          E22/G02             F          124,500.00         ZZ
                                         360        124,500.00          1
                                       7.250            849.31         75
                                       7.000            849.31
    CARSON CITY      NV   89701          5            08/29/02         00
    0414710517                           05           11/01/02          0
    0414710517                           N            10/01/32
    0

    8013801          E22/G02             F          126,840.00         ZZ
                                         360        126,733.44          1
                                       6.875            833.25         80
                                       6.625            833.25
    BEAVERTON        OR   97006          1            08/30/02         00
    0414730267                           09           10/01/02          0
    0414730267                           O            09/01/32
    0

    8013815          E22/G02             F          124,000.00         ZZ
                                         360        124,000.00          1
                                       6.750            804.26         75
                                       6.500            804.26
    RENO             NV   89703          2            08/29/02         00
    0414752451                           05           11/01/02          0
    0414752451                           N            10/01/32
    0

    8013831          E22/G02             F          232,000.00         ZZ
                                         360        232,000.00          1
                                       6.625          1,485.52         73
                                       6.375          1,485.52
1

    ARTESIA          CA   90701          5            08/28/02         00
    0414782102                           05           11/01/02          0
    0414782102                           O            10/01/32
    0

    8013847          E22/G02             F          158,400.00         ZZ
                                         360        158,400.00          1
                                       6.625          1,014.25         80
                                       6.375          1,014.25
    ROCHESTER HILLS  MI   48307          1            09/06/02         00
    0414804096                           05           11/01/02          0
    0414804096                           O            10/01/32
    0

    8013869          E22/G02             F          380,000.00         ZZ
                                         360        380,000.00          2
                                       6.750          2,464.67         70
                                       6.500          2,464.67
    PASADENA         CA   91107          5            08/29/02         00
    0414832683                           05           11/01/02          0
    0414832683                           O            10/01/32
    0

    8013873          E22/G02             F          126,000.00         ZZ
                                         360        126,000.00          1
                                       6.500            796.41         90
                                       6.250            796.41
    SILVER SPRING    MD   20910          1            09/06/02         01
    0414836460                           01           11/01/02         25
    0414836460                           N            10/01/32
    0

    8013887          E22/G02             F           65,600.00         ZZ
                                         360         65,600.00          1
                                       6.875            430.95         80
                                       6.625            430.95
    PUEBLO           CO   81004          2            09/06/02         00
    0414854059                           05           11/01/02          0
    0414854059                           N            10/01/32
    0

    8013967          E82/G02             F           62,000.00         ZZ
                                         360         62,000.00          1
                                       6.625            396.99         71
                                       6.375            396.99
    RIO RANCHO       NM   87144          2            09/05/02         00
    0400675112                           05           11/01/02          0
    0400675112                           O            10/01/32
    0
1

    8013981          E82/G02             F           77,000.00         ZZ
                                         360         77,000.00          1
                                       6.625            493.04         39
                                       6.375            493.04
    DENVER           CO   80207          2            09/09/02         00
    0400690236                           05           11/01/02          0
    1523931                              N            10/01/32
    0

    8014053          624/G02             F          173,750.00         ZZ
                                         360        173,596.70          1
                                       6.625          1,112.54         57
                                       6.375          1,112.54
    BOTHELL          WA   98021          2            08/26/02         00
    0434593323                           05           10/01/02          0
    1000007104                           O            09/01/32
    0

    8014131          624/G02             F          240,000.00         ZZ
                                         360        239,783.04          3
                                       6.500          1,516.96         80
                                       6.250          1,516.96
    LOMPOC           CA   93436          5            08/23/02         00
    0434594040                           05           10/01/02          0
    1000007273                           O            09/01/32
    0

    8014155          624/G02             F          220,000.00         ZZ
                                         360        219,815.18          1
                                       6.875          1,445.24         74
                                       6.625          1,445.24
    GARDEN GROVE     CA   92843          1            08/07/02         00
    0434524914                           05           10/01/02          0
    1000006985                           N            09/01/32
    0

    8014177          624/G02             F          121,500.00         ZZ
                                         360        121,392.80          1
                                       6.625            777.98         80
                                       6.375            777.98
    EXETER           CA   93221          1            08/14/02         00
    0434606315                           05           10/01/02          0
    1000006919                           O            09/01/32
    0

    8014215          624/G02             F          110,000.00         ZZ
                                         360        109,832.09          1
1

                                       7.375            759.74         74
                                       7.125            759.74
    FORT BRAGG       CA   95437          1            07/30/02         00
    0434603403                           05           09/01/02          0
    1000005846                           N            08/01/32
    0

    8014233          624/G02             F           62,000.00         ZZ
                                         360         61,947.91          1
                                       6.875            407.30         24
                                       6.625            407.30
    LOMPOC           CA   93436          5            08/08/02         00
    0434609475                           05           10/01/02          0
    1000005978                           N            09/01/32
    0

    8014737          624/G02             F          236,000.00         ZZ
                                         360        235,582.43          1
                                       6.625          1,511.13         56
                                       6.375          1,511.13
    GILROY           CA   95020          2            08/19/02         00
    0434606364                           05           09/01/02          0
    1000005270                           O            08/01/32
    0

    8014739          624/G02             F          100,000.00         ZZ
                                         360         99,858.39          1
                                       7.750            716.41         59
                                       7.500            716.41
    MERCED           CA   95348          1            07/19/02         00
    0434515672                           05           09/01/02          0
    1000005373                           N            08/01/32
    0

    8014771          624/G02             F          135,000.00         ZZ
                                         360        134,880.89          1
                                       6.625            864.42         57
                                       6.375            864.42
    OGDEN            UT   84414          2            08/26/02         00
    0434572087                           05           10/01/02          0
    1000007732                           O            09/01/32
    0

    8014779          624/G02             F           61,928.00         ZZ
                                         360         61,873.36          1
                                       6.625            396.53         25
                                       6.375            396.53
    MODESTO          CA   95356          1            08/27/02         00
    0434597050                           05           10/01/02          0
1

    100009131                            O            09/01/32
    0

    8014785          624/G02             F          197,600.00         ZZ
                                         360        197,421.36          1
                                       6.500          1,248.97         80
                                       6.250          1,248.97
    SAN DIEGO        CA   92105          1            08/01/02         00
    0434605028                           05           10/01/02          0
    1000006294                           O            09/01/32
    0

    8014787          624/G02             F          162,000.00         ZZ
                                         360        161,733.65          1
                                       7.000          1,077.79         74
                                       6.750          1,077.79
    LOMPOC           CA   93436          1            07/08/02         00
    0434571774                           05           09/01/02          0
    1000003340                           O            08/01/32
    0

    8014819          624/G02             F          112,000.00         ZZ
                                         360        111,815.85          1
                                       7.000            745.14         25
                                       6.750            745.14
    LOMPOC           CA   93436          5            07/23/02         00
    0434519104                           05           09/01/02          0
    1000005294                           O            08/01/32
    0

    8014821          624/G02             F          100,000.00         T
                                         360         99,839.59          1
                                       7.125            673.72         65
                                       6.875            673.72
    FORT BRAGG       CA   95437          5            07/30/02         00
    0434604088                           05           09/01/02          0
    1000003988                           O            08/01/32
    0

    8014825          624/G02             F          121,700.00         ZZ
                                         360        121,595.22          1
                                       6.750            789.34         50
                                       6.500            789.34
    LOMPOC           CA   93436          1            08/27/02         00
    0434566097                           05           10/01/02          0
    1000009206                           N            09/01/32
    0

1

    8014827          624/G02             F          127,000.00         ZZ
                                         360        126,791.20          1
                                       7.000            844.93         80
                                       6.750            844.93
    SANTA MARIA      CA   93455          1            07/25/02         00
    0434610432                           01           09/01/02          0
    1000005511                           N            08/01/32
    0

    8014889          624/G02             F          199,450.00         ZZ
                                         360        199,274.03          1
                                       6.625          1,277.10         80
                                       6.375          1,277.10
    BRENTWOOD        CA   94513          1            08/26/02         00
    0434573382                           03           10/01/02          0
    1000007864                           N            09/01/32
    0

    8014953          W93/G02             F          135,200.00         ZZ
                                         360        135,094.52          1
                                       7.250            922.31         80
                                       7.000            922.31
    CHINO VALLEY     AZ   86323          1            08/06/02         00
    0434598702                           05           10/01/02          0
    35394483                             O            09/01/32
    0

    8015213          624/G02             F          196,000.00         ZZ
                                         360        195,831.25          1
                                       6.750          1,271.25         80
                                       6.500          1,271.25
    SALINAS          CA   93906          1            08/07/02         00
    0434569570                           07           10/01/02          0
    1000003215                           O            09/01/32
    0

    8015279          822/G02             F          111,600.00         ZZ
                                         360        111,506.24          3
                                       6.875            733.14         90
                                       6.625            733.14
    PROVIDENCE       RI   02908          1            08/02/02         12
    0434621710                           05           10/01/02         25
    3446029729                           N            09/01/32
    0

    8015281          P44/G02             F          182,500.00         ZZ
                                         360        182,500.00          1
                                       6.625          1,168.57         61
                                       6.375          1,168.57
1

    (BARNSTABLE) CE  MA   02632          5            09/04/02         00
    0434584785                           05           11/01/02          0
    1                                    O            10/01/32
    0

    8015309          624/G02             F          148,400.00         ZZ
                                         360        148,269.07          1
                                       6.625            950.22         80
                                       6.375            950.22
    SAN DIEGO        CA   92104          1            08/06/02         00
    0434518973                           05           10/01/02          0
    1000006852                           O            09/01/32
    0

    8015345          K15/G02             F          130,400.00         ZZ
                                         360        130,400.00          1
                                       7.125            878.53         80
                                       6.875            878.53
    MASTIC           NY   11950          5            08/31/02         00
    0434545992                           05           11/01/02          0
    020705303522                         O            10/01/32
    0

    8015379          624/G02             F          109,900.00         ZZ
                                         360        109,809.91          1
                                       7.000            731.17         58
                                       6.750            731.17
    LAKE OSWEGO      OR   97035          1            08/22/02         00
    0434562674                           05           10/01/02          0
    1000001673                           O            09/01/32
    0

    8015423          624/G02             F          226,000.00         ZZ
                                         360        225,805.42          1
                                       6.750          1,465.83         68
                                       6.500          1,465.83
    INCLINE VILLAGE  NV   89450          5            08/05/02         00
    0434608543                           01           10/01/02          0
    1000005587                           O            09/01/32
    0

    8015463          624/G02             F           84,000.00         ZZ
                                         360         83,934.47          2
                                       7.250            573.03         75
                                       7.000            573.03
    LOCKHART         TX   78644          1            08/09/02         00
    0434570792                           05           10/01/02          0
    1000005235                           N            09/01/32
    0
1

    8015501          X72/G02             F          163,800.00         T
                                         360        163,665.73          1
                                       7.000          1,089.77         90
                                       6.750          1,089.77
    GEORGETOWN       CO   80444          1            08/29/02         11
    0434641601                           01           10/01/02         25
    21026064                             O            09/01/32
    0

    8015603          E86/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       7.125          1,347.44         79
                                       6.875          1,347.44
    MAHOPAC          NY   10541          1            09/04/02         00
    0434531539                           05           11/01/02          0
    0000202653                           O            10/01/32
    0

    8015787          G34/G02             F          157,000.00         ZZ
                                         360        156,858.07          1
                                       6.500            992.35         85
                                       6.250            992.35
    SACRAMENTO       CA   95828          1            08/26/02         12
    0434594248                           05           10/01/02         12
    48200480                             O            09/01/32
    0

    8016699          F61/G02             F          255,600.00         ZZ
                                         360        255,600.00          1
                                       7.125          1,722.02         90
                                       6.875          1,722.02
    SEATTLE          WA   98118          1            09/03/02         04
    0434569497                           05           11/01/02         25
    020960S                              O            10/01/32
    0

    8016759          U19/G02             F           77,000.00         ZZ
                                         360         76,930.39          1
                                       6.500            486.69         74
                                       6.250            486.69
    AURORA           CO   80012          5            09/11/02         00
    0434509527                           03           10/01/02          0
    50804667                             O            09/01/32
    0

    8016819          U19/G02             F          159,500.00         ZZ
                                         360        159,355.81          1
1

                                       6.500          1,008.15         79
                                       6.250          1,008.15
    LONGMONT         CO   80501          2            08/23/02         00
    0434509824                           05           10/01/02          0
    50804723                             O            09/01/32
    0

    8016831          U19/G02             F          160,000.00         ZZ
                                         360        159,855.36          1
                                       6.500          1,011.31         75
                                       6.250          1,011.31
    DENVER           CO   80222          5            08/22/02         00
    0434506481                           05           10/01/02          0
    50804681                             O            09/01/32
    0

    8017033          J95/G02             F          120,000.00         ZZ
                                         360        119,894.12          1
                                       6.625            768.38         80
                                       6.375            768.38
    WICHITA          KS   67212          2            08/05/02         00
    0434509667                           03           10/01/02          0
    0029602950                           O            09/01/32
    0

    8017455          B57/G02             F          171,000.00         ZZ
                                         360        170,863.25          3
                                       7.125          1,152.06         90
                                       6.875          1,152.06
    MESA             AZ   85201          1            08/23/02         01
    0434721502                           05           10/01/02         25
    20000610                             N            09/01/32
    0

    8017503          E76/G02             F          167,400.00         ZZ
                                         360        167,400.00          2
                                       6.875          1,099.70         78
                                       6.625          1,099.70
    GEORGETOWN       TX   78626          1            09/06/02         00
    0434524625                           05           11/01/02          0
    10016130                             N            10/01/32
    0

    8017531          E76/G02             F          167,400.00         ZZ
                                         360        167,400.00          2
                                       6.875          1,099.70         78
                                       6.625          1,099.70
    GEORGETOWN       TX   78626          1            09/06/02         00
    0434527917                           05           11/01/02          0
1

    10015922                             N            10/01/32
    0

    8017829          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       7.125            673.72         80
                                       6.875            673.72
    ATLANTA          GA   30349          5            09/03/02         00
    0414431650                           05           11/01/02          0
    0414431650                           O            10/01/32
    0

    8017831          E22/G02             F          223,000.00         ZZ
                                         360        223,000.00          1
                                       6.625          1,427.89         69
                                       6.375          1,427.89
    COVENTRY         RI   02816          2            09/04/02         00
    0414441162                           05           11/01/02          0
    0414441162                           O            10/01/32
    0

    8017853          E22/G02             F          212,500.00         ZZ
                                         360        212,330.07          1
                                       7.125          1,431.65         73
                                       6.875          1,431.65
    CLOUDCROFT       NM   88317          2            09/04/02         00
    0414559161                           05           10/01/02          0
    0414559161                           O            09/01/32
    0

    8017879          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.750          1,426.92         80
                                       6.500          1,426.92
    LONDONDERRY      NH   03053          5            09/03/02         00
    0414619312                           05           11/01/02          0
    0414619312                           O            10/01/32
    0

    8017981          E22/G02             F          167,000.00         ZZ
                                         360        167,000.00          1
                                       6.625          1,069.32         78
                                       6.375          1,069.32
    SAN ANTONIO      TX   78209          5            09/04/02         00
    0414735217                           05           11/01/02          0
    0414735217                           O            10/01/32
    0

1

    8017985          E22/G02             F          111,150.00         ZZ
                                         360        111,150.00          1
                                       6.875            730.18         95
                                       6.625            730.18
    BOONEVILLE       MS   38829          1            09/09/02         10
    0414740605                           05           11/01/02         30
    0414740605                           O            10/01/32
    0

    8018001          E22/G02             F          167,000.00         ZZ
                                         360        167,000.00          1
                                       6.750          1,083.16         93
                                       6.500          1,083.16
    RALEIGH          NC   27615          2            09/03/02         10
    0414751487                           03           11/01/02         30
    0414751487                           O            10/01/32
    0

    8018015          E22/G02             F          165,300.00         ZZ
                                         360        165,300.00          1
                                       6.625          1,058.43         67
                                       6.375          1,058.43
    SCHOOLCRAFT      MI   49087          5            09/03/02         00
    0414756783                           05           11/01/02          0
    0414756783                           O            10/01/32
    0

    8018021          E22/G02             F          112,300.00         ZZ
                                         360        112,300.00          1
                                       7.000            747.13         69
                                       6.750            747.13
    HIALEAH          FL   33012          5            09/03/02         00
    0414760462                           05           11/01/02          0
    0414760462                           O            10/01/32
    0

    8018037          E22/G02             F          172,000.00         ZZ
                                         360        171,844.51          1
                                       6.500          1,087.16         79
                                       6.250          1,087.16
    NORTH PORT       FL   34286          5            09/04/02         00
    0414772319                           05           10/01/02          0
    0414772319                           O            09/01/32
    0

    8018055          E22/G02             F          137,750.00         ZZ
                                         360        137,750.00          1
                                       6.875            904.92         95
                                       6.625            904.92
1

    FORT LAUDERDALE  FL   33313          1            09/09/02         04
    0414786368                           05           11/01/02         30
    0414786368                           O            10/01/32
    0

    8018071          E22/G02             F          167,500.00         ZZ
                                         360        167,366.05          1
                                       7.125          1,128.48         72
                                       6.875          1,128.48
    CLEVELAND        MS   38732          2            09/04/02         00
    0414803262                           05           10/01/02          0
    0414803262                           O            09/01/32
    0

    8018075          E22/G02             F          126,000.00         ZZ
                                         240        126,000.00          1
                                       6.625            948.72         90
                                       6.375            948.72
    MOUNT OLIVE      AL   35117          5            09/03/02         04
    0414805333                           05           11/01/02         25
    0414805333                           O            10/01/22
    0

    8018085          E22/G02             F          168,000.00         ZZ
                                         360        168,000.00          1
                                       6.875          1,103.64         85
                                       6.625          1,103.64
    MIAMI            FL   33177          5            09/03/02         04
    0414811372                           05           11/01/02         12
    0414811372                           O            10/01/32
    0

    8018107          E22/G02             F          117,000.00         ZZ
                                         360        116,904.10          1
                                       7.000            778.40         48
                                       6.750            778.40
    LAKEWOOD         CO   80227          2            09/03/02         00
    0414839167                           05           10/01/02          0
    0414839167                           O            09/01/32
    0

    8018123          E22/G02             F          183,600.00         ZZ
                                         360        183,600.00          1
                                       6.875          1,206.12         90
                                       6.625          1,206.12
    RICHMOND         MI   48062          5            09/04/02         01
    0414864595                           01           11/01/02         25
    0414864595                           O            10/01/32
    0
1

    8018125          E22/G02             F           53,600.00         ZZ
                                         360         53,600.00          1
                                       6.875            352.11         80
                                       6.625            352.11
    PUEBLO           CO   81004          2            09/09/02         00
    0414867762                           05           11/01/02          0
    0414867762                           N            10/01/32
    0

    8018215          E82/G02             F          281,000.00         ZZ
                                         360        281,000.00          1
                                       6.625          1,799.27         32
                                       6.375          1,799.27
    SAN FRANCISCO    CA   94127          2            09/05/02         00
    0400686580                           05           11/01/02          0
    2826972                              N            10/01/32
    0

    8018455          X27/G02             F          247,600.00         ZZ
                                         360        247,381.55          4
                                       6.625          1,585.41         61
                                       6.375          1,585.41
    DOWNEY           CA   90241          2            08/23/02         00
    0434608386                           05           10/01/02          0
    10000291                             O            09/01/32
    0

    8019309          F61/G02             F          166,500.00         ZZ
                                         360        166,360.12          1
                                       6.875          1,093.79         75
                                       6.625          1,093.79
    MONROE           WA   98272          2            08/20/02         00
    0434609947                           05           10/01/02          0
    021391B                              N            09/01/32
    0

    8019413          B43/G02             F          157,600.00         ZZ
                                         360        157,469.33          1
                                       7.000          1,048.52         80
                                       6.750          1,048.52
    OVILLA           TX   75154          5            08/16/02         00
    0434610200                           05           10/01/02          0
    28143                                O            09/01/32
    0

    8019469          F61/G02             F          157,500.00         ZZ
                                         360        157,367.68          1
1

                                       6.875          1,034.66         75
                                       6.625          1,034.66
    BOTHELL          WA   98011          5            08/20/02         00
    0434617999                           05           10/01/02          0
    021390B                              N            09/01/32
    0

    8019587          F61/G02             F          161,250.00         ZZ
                                         360        161,114.53          1
                                       6.875          1,059.30         75
                                       6.625          1,059.30
    BOTHELL          WA   98011          5            08/20/02         00
    0434596391                           05           10/01/02          0
    021387B                              N            09/01/32
    0

    8020617          975/G02             F           76,800.00         ZZ
                                         360         76,800.00          1
                                       6.500            485.43         80
                                       6.250            485.43
    ONTARIO          CA   91762          1            09/01/02         00
    0434561296                           01           11/01/02          0
    2023214                              O            10/01/32
    0

    8020691          X31/G02             F           92,650.00         ZZ
                                         360         92,650.00          1
                                       6.375            578.02         38
                                       6.125            578.02
    SAN DIEGO        CA   92139          2            08/30/02         00
    0434617296                           05           11/01/02          0
    40103675                             O            10/01/32
    0

    8020851          N67/G02             F           85,150.00         ZZ
                                         360         85,013.41          1
                                       7.125            573.67         29
                                       6.875            573.67
    CORONA           CA   92879          2            07/30/02         00
    0434544078                           05           09/01/02          0
    1461000456                           O            08/01/32
    0

    8021069          N67/G02             F          138,000.00         ZZ
                                         360        137,749.82          1
                                       6.500            872.25         55
                                       6.250            872.25
    BROOKFIELD       CT   06804          5            07/09/02         00
    0434545844                           05           09/01/02          0
1

    1785003072                           O            08/01/32
    0

    8022203          E11/G02             F          100,000.00         ZZ
                                         360         99,913.90          1
                                       6.750            648.60         57
                                       6.500            648.60
    SAVAGE           MN   55378          1            09/04/02         00
    0434613022                           09           10/01/02          0
    002001046933                         N            09/01/32
    0

    8022325          X44/G02             F          269,000.00         ZZ
                                         360        268,768.40          1
                                       6.750          1,744.73         77
                                       6.500          1,744.73
    WILMINGTON       DE   19810          1            08/30/02         00
    0434659900                           05           10/01/02          0
    89342401                             O            09/01/32
    0

    8022577          A35/G02             F          197,000.00         ZZ
                                         360        197,000.00          1
                                       6.875          1,294.15         66
                                       6.625          1,294.15
    MASSAPEQUA PARK  NY   11762          5            08/29/02         00
    0434617163                           05           11/01/02          0
    1                                    O            10/01/32
    0

    8022587          Q14/G02             F           53,000.00         ZZ
                                         360         53,000.00          1
                                       6.625            339.36         56
                                       6.375            339.36
    BLUE SPRINGS     MO   64014          2            09/05/02         00
    0434559522                           05           11/01/02          0
    0208885                              O            10/01/32
    0

    8022723          696/G02             F          199,900.00         ZZ
                                         360        199,740.15          1
                                       7.125          1,346.76         80
                                       6.875          1,346.76
    ASHBURN          VA   20147          1            08/26/02         00
    0434542833                           09           10/01/02          0
    21702197                             O            09/01/32
    0

1

    8022749          W93/G02             F          175,900.00         ZZ
                                         360        175,744.80          1
                                       6.625          1,126.31         80
                                       6.375          1,126.31
    BOISE            ID   83713          1            08/22/02         00
    0434558326                           03           10/01/02          0
    60400510                             O            09/01/32
    0

    8022799          X31/G02             F          132,300.00         ZZ
                                         360        132,300.00          1
                                       6.250            814.59         80
                                       6.000            814.59
    POMONA           CA   91768          2            08/29/02         00
    0434614368                           05           11/01/02          0
    40103673                             O            10/01/32
    0

    8022817          W68/G02             F          144,000.00         ZZ
                                         360        143,887.67          1
                                       7.250            982.33         80
                                       7.000            982.33
    DALLAS           TX   75224          5            08/21/02         00
    0434595120                           05           10/01/02          0
    28066                                O            09/01/32
    0

    8023257          562/G02             F           69,550.00         ZZ
                                         360         69,550.00          1
                                       6.875            456.90         90
                                       6.625            456.90
    MONROE           NY   10950          1            09/09/02         04
    0434616165                           05           11/01/02         30
    297044746                            N            10/01/32
    0

    8023303          U28/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.875            656.93         23
                                       6.625            656.93
    ALPHARETTA       GA   30022          5            09/12/02         00
    0434583019                           03           11/01/02          0
    1                                    O            10/01/32
    0

    8023771          M37/G02             F          157,950.00         ZZ
                                         360        157,820.52          1
                                       7.000          1,050.85         90
                                       6.750          1,050.85
1

    ALBUQUERQUE      NM   87112          1            08/29/02         04
    0434594107                           05           10/01/02         30
    608558                               O            09/01/32
    0

    8024355          N67/G02             F          168,750.00         ZZ
                                         360        168,618.36          1
                                       7.250          1,151.17         75
                                       7.000          1,151.17
    CHANDLER         AZ   85225          2            08/16/02         00
    0434544136                           03           10/01/02          0
    1781002564A                          O            09/01/32
    0

    8024369          N67/G02             F          125,000.00         ZZ
                                         360        124,902.49          1
                                       7.250            852.72         50
                                       7.000            852.72
    GILBERT          AZ   85234          1            08/20/02         00
    0434544276                           03           10/01/02          0
    1781002690A                          O            09/01/32
    0

    8025267          E22/G02             F          165,000.00         ZZ
                                         360        165,000.00          1
                                       6.500          1,042.91         75
                                       6.250          1,042.91
    BUTLER           NJ   07405          5            09/05/02         00
    0414429555                           05           11/01/02          0
    0414429555                           O            10/01/32
    0

    8025271          E22/G02             F           55,000.00         ZZ
                                         360         55,000.00          2
                                       7.250            375.20         66
                                       7.000            375.20
    BURLESON         TX   76028          2            09/10/02         00
    0414468645                           05           11/01/02          0
    0414468645                           N            10/01/32
    0

    8025275          E22/G02             F           58,000.00         ZZ
                                         360         58,000.00          2
                                       7.250            395.66         69
                                       7.000            395.66
    BURLESON         TX   76028          2            09/10/02         00
    0414469312                           05           11/01/02          0
    0414469312                           N            10/01/32
    0
1

    8025277          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.625            665.92         80
                                       6.375            665.92
    MIAMI            FL   33133          1            08/30/02         00
    0414478917                           01           11/01/02          0
    0414478917                           O            10/01/32
    0

    8025287          E22/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       6.875          1,208.75         80
                                       6.625          1,208.75
    CHEHALIS         WA   98532          2            09/03/02         00
    0414504258                           05           11/01/02          0
    0414504258                           O            10/01/32
    0

    8025293          E22/G02             F          180,800.00         T
                                         360        180,658.96          1
                                       7.250          1,233.37         80
                                       7.000          1,233.37
    SALUDA           NC   28773          2            09/10/02         00
    0414565176                           05           10/01/02          0
    0414565176                           O            09/01/32
    0

    8025295          E22/G02             F          148,000.00         ZZ
                                         360        148,000.00          1
                                       7.000            984.65         80
                                       6.750            984.65
    MILFORD          CT   06460          1            09/10/02         00
    0414566026                           01           11/01/02          0
    0414566026                           O            10/01/32
    0

    8025347          E22/G02             F          255,000.00         ZZ
                                         360        255,000.00          1
                                       6.875          1,675.17         79
                                       6.625          1,675.17
    THOUSAND OAKS    CA   91320          5            09/05/02         00
    0414690164                           05           11/01/02          0
    0414690164                           O            10/01/32
    0

    8025359          E22/G02             F          263,500.00         ZZ
                                         360        263,500.00          1
1

                                       6.875          1,731.01         78
                                       6.625          1,731.01
    HIGHLAND PARK    IL   60035          2            09/05/02         00
    0414700690                           05           11/01/02          0
    0414700690                           O            10/01/32
    0

    8025387          E22/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       7.250            545.74         75
                                       7.000            545.74
    BEDFORD          TX   76022          5            09/05/02         00
    0414727990                           05           11/01/02          0
    0414727990                           O            10/01/32
    0

    8025403          E22/G02             F          212,000.00         ZZ
                                         360        212,000.00          1
                                       6.750          1,375.03         79
                                       6.500          1,375.03
    BERTHOUD         CO   80513          2            09/05/02         00
    0414738229                           05           11/01/02          0
    0414738229                           O            10/01/32
    0

    8025417          E22/G02             F          231,000.00         ZZ
                                         360        231,000.00          3
                                       7.125          1,556.29         50
                                       6.875          1,556.29
    SAN JOSE         CA   95112          2            09/03/02         00
    0414758987                           05           11/01/02          0
    0414758987                           O            10/01/32
    0

    8025465          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          4
                                       7.125          1,077.95         80
                                       6.875          1,077.95
    AUSTIN           TX   75757          1            09/10/02         00
    0414788695                           05           11/01/02          0
    0414788695                           O            10/01/32
    0

    8025479          E22/G02             F          124,000.00         ZZ
                                         360        124,000.00          1
                                       6.625            793.99         90
                                       6.375            793.99
    WALLINGFORD      CT   06492          5            09/05/02         04
    0414800359                           05           11/01/02         25
1

    0414800359                           O            10/01/32
    0

    8025483          E22/G02             F           73,100.00         ZZ
                                         360         73,100.00          1
                                       6.625            468.07         69
                                       6.375            468.07
    NEW BEDFORD      MA   02745          5            09/05/02         00
    0414805762                           05           11/01/02          0
    0414805762                           O            10/01/32
    0

    8025529          E22/G02             F          215,000.00         ZZ
                                         360        215,000.00          2
                                       6.875          1,412.40         74
                                       6.625          1,412.40
    LOWELL           MA   01850          5            09/05/02         00
    0414852319                           05           11/01/02          0
    0414852319                           O            10/01/32
    0

    8025679          E82/G02             F          130,400.00         ZZ
                                         360        130,400.00          4
                                       6.625            834.97         90
                                       6.375            834.97
    SEASIDE HEIGHTS  NJ   08751          2            09/12/02         04
    0400687190                           05           11/01/02         25
    4956020                              N            10/01/32
    0

    8025683          E82/G02             F          106,700.00         ZZ
                                         360        106,700.00          1
                                       6.875            700.94         71
                                       6.625            700.94
    PHOENIX          AZ   85024          2            09/10/02         00
    0400673838                           05           11/01/02          0
    1652952                              N            10/01/32
    0

    8025895          S27/G02             F          184,500.00         ZZ
                                         360        184,356.07          4
                                       7.250          1,258.62         90
                                       7.000          1,258.62
    HOLLYWOOD        MD   20636          1            09/04/02         10
    0434594537                           05           10/01/02         25
    1020004607                           N            09/01/32
    0

1

    8025903          U05/G02             F           82,400.00         ZZ
                                         360         82,330.77          1
                                       6.875            541.31         49
                                       6.625            541.31
    HOUSTON          TX   77068          5            08/26/02         00
    0434623757                           03           10/01/02          0
    3254608                              O            09/01/32
    0

    8026723          W08/G02             F          285,300.00         ZZ
                                         360        285,300.00          1
                                       6.875          1,874.22         90
                                       6.625          1,874.22
    MIAMI            FL   33180          1            09/06/02         10
    0434574356                           05           11/01/02         25
    021671MG                             O            10/01/32
    0

    8027029          S27/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       7.250            982.34         80
                                       7.000            982.34
    FLAGLER BEACH    FL   32136          1            09/06/02         00
    0434595823                           05           11/01/02          0
    1010021519                           N            10/01/32
    0

    8027065          W35/G02             F          160,000.00         ZZ
                                         360        159,862.24          1
                                       6.750          1,037.76         80
                                       6.500          1,037.76
    WEST LAFAYETTE   IN   47906          5            08/23/02         00
    0434598355                           05           10/01/02          0
    12195                                O            09/01/32
    0

    8027295          W02/G02             F           78,000.00         ZZ
                                         360         77,932.84          1
                                       6.750            505.91         94
                                       6.500            505.91
    HUDSON           FL   34669          5            08/16/02         12
    0434601076                           05           10/01/02         30
    1001331824                           O            09/01/32
    0

    8027317          R84/G02             F          114,843.00         ZZ
                                         360        114,843.00          1
                                       6.750            744.87         75
                                       6.500            744.87
1

    HENDERSON        NV   89014          1            09/05/02         00
    0434571659                           09           11/01/02          0
    LVW4467                              N            10/01/32
    0

    8027337          W02/G02             F          110,750.00         ZZ
                                         360        110,654.65          1
                                       6.750            718.32         87
                                       6.500            718.32
    JACKSONVILLE     FL   32277          5            08/13/02         12
    0434603908                           05           10/01/02         25
    1001415387                           O            09/01/32
    0

    8027375          W02/G02             F          156,600.00         ZZ
                                         360        156,458.43          1
                                       6.500            989.82         90
                                       6.250            989.82
    BROOKSVILLE      FL   34601          5            08/16/02         12
    0434608428                           05           10/01/02         25
    1001379882                           O            09/01/32
    0

    8027379          M82/G02             F          153,000.00         ZZ
                                         360        153,000.00          1
                                       7.250          1,043.73         85
                                       7.000          1,043.73
    SNELLVILLE       GA   30078          5            09/05/02         12
    0434575064                           05           11/01/02         12
    10411                                O            10/01/32
    0

    8027459          Q14/G02             F          237,500.00         ZZ
                                         360        237,500.00          1
                                       6.625          1,520.74         95
                                       6.375          1,520.74
    WAVERLY          IA   50677          5            09/05/02         01
    0434614053                           05           11/01/02         30
    0208691                              O            10/01/32
    0

    8027465          822/G02             F           51,750.00         ZZ
                                         360         51,705.44          4
                                       6.750            335.65         90
                                       6.500            335.65
    PHILADELPHIA     PA   19124          1            08/15/02         10
    0434571303                           05           10/01/02         25
    3636071874                           N            09/01/32
    0
1

    8027705          168/168             F          225,000.00         ZZ
                                         360        224,796.60          1
                                       6.500          1,422.15         79
                                       6.250          1,422.15
    WEST COVINA      CA   91790          5            08/26/02         00
    0089693191                           05           10/01/02          0
    0089693191                           O            09/01/32
    0

    8027823          738/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.875            683.21         80
                                       6.625            683.21
    GREER            SC   29650          1            09/04/02         00
    0434560900                           03           11/01/02          0
    40581729                             O            10/01/32
    0

    8028257          A80/G02             F          104,400.00         ZZ
                                         360        104,400.00          1
                                       6.875            685.83         90
                                       6.625            685.83
    MIAMI            FL   33186          1            09/06/02         10
    0434594164                           01           11/01/02         25
    020831107                            N            10/01/32
    0

    8028381          L20/G02             F           93,750.00         ZZ
                                         360         93,750.00          1
                                       6.750            608.06         75
                                       6.500            608.06
    MERIDIAN         ID   83642          2            09/05/02         00
    0434574612                           03           11/01/02          0
    703272                               N            10/01/32
    0

    8028905          Q87/G02             F          240,000.00         ZZ
                                         360        239,788.25          1
                                       6.625          1,536.75         79
                                       6.375          1,536.75
    ACWORTH          GA   30101          2            08/29/02         00
    0434600300                           05           10/04/02          0
    HARU01                               O            09/04/32
    0

    8029671          W08/G02             F           56,865.00         ZZ
                                         360         56,865.00          1
1

                                       7.125            383.11         85
                                       6.875            383.11
    HOMESTEAD        FL   33034          1            09/04/02         10
    0434609426                           01           11/01/02         12
    021442MG                             N            10/01/32
    0

    8029933          E22/G02             F          145,600.00         ZZ
                                         360        145,600.00          1
                                       7.250            993.25         80
                                       7.000            993.25
    PERRYSBURG       OH   43551          1            09/11/02         00
    0414529586                           05           11/01/02          0
    0414529586                           N            10/01/32
    0

    8029961          E22/G02             F          125,600.00         ZZ
                                         360        125,600.00          1
                                       6.625            804.23         80
                                       6.375            804.23
    RENO             NV   89503          1            09/05/02         00
    0414632943                           05           11/01/02          0
    0414632943                           N            10/01/32
    0

    8029963          E22/G02             F          107,600.00         ZZ
                                         360        107,600.00          1
                                       6.875            706.86         80
                                       6.625            706.86
    IRVING           TX   75061          5            09/06/02         00
    0414640516                           05           11/01/02          0
    0414640516                           O            10/01/32
    0

    8029967          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          2
                                       6.875            472.99         75
                                       6.625            472.99
    COLUMBUS         OH   43203          5            09/11/02         00
    0414647628                           05           11/01/02          0
    0414647628                           N            10/01/32
    0

    8029969          E22/G02             F          232,000.00         ZZ
                                         360        232,000.00          1
                                       6.625          1,485.52         80
                                       6.375          1,485.52
    WEST BLOOMFIELD  MI   48322          2            09/06/02         00
    0414649129                           01           11/01/02          0
1

    0414649129                           O            10/01/32
    0

    8030017          E22/G02             F          248,000.00         ZZ
                                         360        248,000.00          1
                                       7.000          1,649.95         80
                                       6.750          1,649.95
    CHICAGO          IL   60657          5            09/06/02         00
    0414709253                           01           11/01/02          0
    0414709253                           O            10/01/32
    0

    8030027          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.875          1,051.09         73
                                       6.625          1,051.09
    TROPHY CLUB      TX   76262          5            09/06/02         00
    0414718619                           03           11/01/02          0
    0414718619                           O            10/01/32
    0

    8030037          E22/G02             F          101,700.00         ZZ
                                         360        101,700.00          1
                                       6.625            651.20         90
                                       6.375            651.20
    MERRITT ISLAND   FL   32953          5            09/06/02         04
    0414724799                           05           11/01/02         25
    0414724799                           O            10/01/32
    0

    8030071          E22/G02             F          169,500.00         ZZ
                                         360        169,500.00          1
                                       6.875          1,113.49         80
                                       6.625          1,113.49
    DOVER TOWNSHIP   NJ   08753          5            09/06/02         00
    0414755041                           05           11/01/02          0
    0414755041                           O            10/01/32
    0

    8030073          E22/G02             F          116,100.00         ZZ
                                         360        116,100.00          1
                                       7.000            772.42         90
                                       6.750            772.42
    OREM             UT   84057          1            09/03/02         04
    0414756601                           05           11/01/02         25
    0414756601                           N            10/01/32
    0

1

    8030079          E22/G02             F          196,000.00         ZZ
                                         360        196,000.00          1
                                       6.625          1,255.01         80
                                       6.375          1,255.01
    GRASS VALLEY     CA   95949          1            09/07/02         00
    0414758466                           05           11/01/02          0
    0414758466                           O            10/01/32
    0

    8030083          E22/G02             F           85,400.00         ZZ
                                         360         85,400.00          1
                                       6.500            539.79         89
                                       6.250            539.79
    CHARLOTTE        NC   28212          5            09/06/02         10
    0414761205                           05           11/01/02         25
    0414761205                           O            10/01/32
    0

    8030113          E22/G02             F          109,500.00         ZZ
                                         360        109,500.00          1
                                       6.750            710.21         80
                                       6.500            710.21
    FORT WAYNE       IN   46835          1            09/11/02         00
    0414785410                           05           11/01/02          0
    0414785410                           O            10/01/32
    0

    8030129          E22/G02             F          244,000.00         ZZ
                                         360        244,000.00          1
                                       6.500          1,542.25         80
                                       6.250          1,542.25
    WEST BLOOMFIELD  MI   48322          5            09/06/02         00
    0414807875                           05           11/01/02          0
    0414807875                           O            10/01/32
    0

    8030139          E22/G02             F          153,200.00         ZZ
                                         360        153,200.00          1
                                       6.625            980.96         80
                                       6.375            980.96
    HOUSTON          TX   77066          5            09/06/02         00
    0414812115                           03           11/01/02          0
    0414812115                           O            10/01/32
    0

    8030149          E22/G02             F           92,700.00         ZZ
                                         360         92,700.00          1
                                       6.500            585.93         90
                                       6.250            585.93
1

    KANSAS CITY      MO   64133          5            09/06/02         01
    0414821124                           05           11/01/02         30
    0414821124                           O            10/01/32
    0

    8030155          E22/G02             F          118,000.00         ZZ
                                         360        118,000.00          1
                                       6.625            755.57         70
                                       6.375            755.57
    ASHEVILLE        NC   28801          5            09/06/02         00
    0414823567                           05           11/01/02          0
    0414823567                           O            10/01/32
    0

    8030161          E22/G02             F          232,000.00         ZZ
                                         360        232,000.00          1
                                       6.875          1,524.07         63
                                       6.625          1,524.07
    COLORADO SPRING  CO   80907          5            09/06/02         00
    0414835231                           05           11/01/02          0
    0414835231                           O            10/01/32
    0

    8030175          E22/G02             F           99,900.00         ZZ
                                         360         99,900.00          1
                                       6.625            639.67         50
                                       6.375            639.67
    AMARILLO         TX   79102          2            09/06/02         00
    0414849877                           05           11/01/02          0
    0414849877                           O            10/01/32
    0

    8030179          E22/G02             F          127,800.00         ZZ
                                         360        127,800.00          1
                                       7.250            871.82         90
                                       7.000            871.82
    SAN ANTONIO      TX   78248          1            09/11/02         04
    0414854372                           03           11/01/02         25
    0414854372                           O            10/01/32
    0

    8030185          E22/G02             F           46,500.00         ZZ
                                         360         46,500.00          1
                                       7.000            309.37         75
                                       6.750            309.37
    BOONE            CO   81025          5            09/11/02         00
    0414861294                           05           11/01/02          0
    0414861294                           N            10/01/32
    0
1

    8030187          E22/G02             F           87,000.00         ZZ
                                         360         87,000.00          1
                                       6.750            564.28         67
                                       6.500            564.28
    THE DALLES       OR   97058          5            09/03/02         00
    0414862805                           05           11/01/02          0
    0414862805                           O            10/01/32
    0

    8030193          E22/G02             F          105,600.00         ZZ
                                         360        105,600.00          1
                                       7.125            711.45         80
                                       6.875            711.45
    FORT LAUDERDALE  FL   33334          1            09/11/02         00
    0414878991                           05           11/01/02          0
    0414878991                           N            10/01/32
    0

    8030201          E22/G02             F          215,500.00         ZZ
                                         360        215,500.00          1
                                       6.625          1,379.87         85
                                       6.375          1,379.87
    LONGMONT         CO   80501          1            09/11/02         01
    0414900332                           03           11/01/02         25
    0414900332                           O            10/01/32
    0

    8031119          883/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       7.000            898.16         72
                                       6.750            898.16
    SPRINGFIELD      PA   19064          5            08/30/02         00
    0434593810                           05           11/01/02          0
    15003010                             O            10/01/32
    0

    8031185          K15/G02             F          119,000.00         ZZ
                                         360        119,000.00          1
                                       6.750            771.83         85
                                       6.500            771.83
    JERSEY CITY      NJ   07307          5            09/06/02         41
    0434588265                           05           11/01/02         12
    203505303043                         O            10/01/32
    0

    8031217          E45/G02             F          207,000.00         ZZ
                                         360        206,838.53          1
1

                                       7.250          1,412.10         52
                                       7.000          1,412.10
    OAK ISLAND       NC   28465          5            08/16/02         00
    0434577011                           05           10/01/02          0
    264755                               N            09/01/32
    0

    8031463          X82/G02             F          105,000.00         ZZ
                                         360        104,913.93          1
                                       7.000            698.57         77
                                       6.750            698.57
    CAPON BRIDGE     WV   26711          5            08/29/02         00
    0434605473                           05           10/01/02          0
    829357                               O            09/01/32
    0

    8031503          369/G02             F          108,900.00         ZZ
                                         360        108,808.51          1
                                       6.875            715.40         75
                                       6.625            715.40
    PHOENIX          AZ   85224          1            08/21/02         00
    0434632105                           05           10/01/02          0
    23347765                             O            09/01/32
    0

    8031801          G34/G02             F          135,000.00         ZZ
                                         360        134,877.96          1
                                       6.500            853.29         78
                                       6.250            853.29
    SACRAMENTO       CA   95828          1            08/28/02         00
    0434609897                           05           10/01/02          0
    48200301                             O            09/01/32
    0

    8031925          W98/G02             F          192,000.00         ZZ
                                         360        191,834.69          1
                                       6.750          1,245.31         80
                                       6.500          1,245.31
    LEESBURG         VA   20175          5            08/27/02         00
    0434598827                           09           10/01/02          0
    L0208016                             O            09/01/32
    0

    8032153          N47/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.500          1,516.96         87
                                       6.250          1,516.96
    TRACY            CA   95376          2            09/01/02         12
    0434598025                           05           11/01/02         30
1

    20121114                             O            10/01/32
    0

    8032203          W39/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       6.875            525.55         70
                                       6.625            525.55
    MCKINNEY         TX   75069          1            09/11/02         00
    0434613865                           05           11/01/02          0
    PNI22134                             N            10/01/32
    0

    8032229          N47/G02             F          282,600.00         ZZ
                                         360        282,600.00          1
                                       6.875          1,856.48         79
                                       6.625          1,856.48
    LAKE CHARLES     LA   70605          5            09/05/02         00
    0434597837                           05           11/01/02          0
    40121654                             O            10/01/32
    0

    8032279          Q87/G02             F          104,000.00         ZZ
                                         360        103,908.25          1
                                       6.625            665.92         80
                                       6.375            665.92
    KAUFMAN          TX   75142          5            08/30/02         00
    0434662987                           05           10/05/02          0
    BUTI04                               O            09/05/32
    0

    8032291          B57/G02             F          226,100.00         ZZ
                                         360        226,100.00          1
                                       6.750          1,466.48         95
                                       6.500          1,466.48
    TURLOCK          CA   95380          1            09/03/02         01
    0434569349                           05           11/01/02         30
    70000241                             O            10/01/32
    0

    8032311          U05/G02             F          148,000.00         ZZ
                                         360        147,872.57          1
                                       6.750            959.93         63
                                       6.500            959.93
    GRANTS PASS      OR   97526          5            08/14/02         00
    0434604393                           05           10/01/02          0
    3252309                              O            09/01/32
    0

1

    8033491          642/G02             F          190,000.00         ZZ
                                         360        190,000.00          1
                                       6.500          1,200.93         80
                                       6.250          1,200.93
    WHEAT RIDGE      CO   80212          5            09/03/02         00
    0434568606                           05           11/01/02          0
    8127702                              O            10/01/32
    0

    8033509          B44/G02             F          205,200.00         ZZ
                                         360        205,023.33          1
                                       6.750          1,330.92         94
                                       6.500          1,330.92
    GARDEN VALLEY    ID   83622          1            08/27/02         24
    0434618328                           05           10/01/02         30
    4021349                              O            09/01/32
    0

    8033831          E82/G02             F           80,300.00         ZZ
                                         360         80,300.00          1
                                       7.250            547.79         55
                                       7.000            547.79
    ASHEBORO         NC   27203          2            09/09/02         00
    0400670485                           05           11/01/02          0
    0400670485                           O            10/01/32
    0

    8034005          E22/G02             F          199,500.00         ZZ
                                         360        199,500.00          1
                                       7.000          1,327.28         95
                                       6.750          1,327.28
    DANVILLE         NH   03819          1            09/12/02         01
    0414624973                           05           11/01/02         30
    0414624973                           O            10/01/32
    0

    8034009          E22/G02             F           25,600.00         ZZ
                                         360         25,600.00          1
                                       7.250            174.64         80
                                       7.000            174.64
    GATLINBURG       TN   37738          1            09/12/02         00
    0414634667                           01           11/01/02          0
    0414634667                           N            10/01/32
    0

    8034047          E22/G02             F          198,550.00         ZZ
                                         360        198,550.00          1
                                       6.875          1,304.33         95
                                       6.625          1,304.33
1

    SAN ANTONIO      TX   78230          1            09/12/02         11
    0414731760                           03           11/01/02         30
    0414731760                           O            10/01/32
    0

    8034055          E22/G02             F          113,600.00         ZZ
                                         360        113,600.00          2
                                       6.625            727.39         75
                                       6.375            727.39
    TACOMA           WA   98444          1            09/05/02         00
    0414753871                           05           11/01/02          0
    0414753871                           N            10/01/32
    0

    8034065          E22/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.750          1,686.36         72
                                       6.500          1,686.36
    BILLERICA        MA   01862          5            09/06/02         00
    0414781625                           05           11/01/02          0
    0414781625                           O            10/01/32
    0

    8034069          E22/G02             F          122,400.00         ZZ
                                         360        122,400.00          1
                                       6.625            783.74         80
                                       6.375            783.74
    EUGENE           OR   97403          5            09/04/02         00
    0414784835                           05           11/01/02          0
    0414784835                           O            10/01/32
    0

    8034107          E22/G02             F           91,000.00         ZZ
                                         360         91,000.00          1
                                       6.625            582.68         70
                                       6.375            582.68
    COLORADO SPRING  CO   80906          1            09/12/02         00
    0414843102                           01           11/01/02          0
    0414843102                           N            10/01/32
    0

    8034115          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          4
                                       7.125            727.62         90
                                       6.875            727.62
    ALBUQUERQUE      NM   87106          1            09/12/02         04
    0414848291                           05           11/01/02         25
    0414848291                           N            10/01/32
    0
1

    8034123          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          4
                                       7.125            727.62         90
                                       6.875            727.62
    ALBUQUERQUE      NM   87106          1            09/12/02         04
    0414854166                           05           11/01/02         25
    0414854166                           N            10/01/32
    0

    8034157          E47/G02             F          197,000.00         ZZ
                                         360        196,821.91          1
                                       6.500          1,245.17         76
                                       6.250          1,245.17
    MANTECA          CA   95336          5            08/22/02         00
    0434618559                           05           10/01/02          0
    7359511086                           O            09/01/32
    0

    8034203          601/G02             F           97,000.00         ZZ
                                         360         96,918.50          1
                                       6.875            637.23         73
                                       6.625            637.23
    HIXSON           TN   37343          1            08/23/02         00
    0434599676                           05           10/01/02          0
    61543328                             O            09/01/32
    0

    8034269          601/G02             F          118,100.00         ZZ
                                         360        118,007.87          4
                                       7.250            805.65         90
                                       7.000            805.65
    ATHENS           GA   30606          1            08/20/02         14
    0434611943                           05           10/01/02         25
    61722153                             N            09/01/32
    0

    8034291          601/G02             F           68,000.00         ZZ
                                         360         67,946.95          4
                                       7.250            463.88         90
                                       7.000            463.88
    SCHENECTADY      NY   12304          2            08/15/02         04
    0434602074                           05           10/01/02         25
    6158187                              N            09/01/32
    0

    8034429          601/G02             F          280,000.00         ZZ
                                         360        279,764.76          1
1

                                       6.875          1,839.41         59
                                       6.625          1,839.41
    FORT WORTH       TX   76108          1            08/09/02         00
    0434601316                           05           10/01/02          0
    6172534                              O            09/01/32
    0

    8034455          601/G02             F          118,400.00         ZZ
                                         360        118,302.95          1
                                       7.000            787.72         80
                                       6.750            787.72
    SEFFNER          FL   33584          2            08/14/02         00
    0434599403                           05           10/01/02          0
    6172342                              O            09/01/32
    0

    8034641          K39/G02             F          153,000.00         ZZ
                                         240        152,701.80          2
                                       6.875          1,174.76         85
                                       6.625          1,174.76
    LONG BRANCH      NJ   07740          2            09/04/02         11
    0434562393                           05           10/09/02         30
    584447873                            O            09/09/22
    0

    8034699          E57/G02             F          208,000.00         ZZ
                                         360        207,816.48          1
                                       6.625          1,331.85         78
                                       6.375          1,331.85
    CHOWCHILLA       CA   93610          2            08/28/02         00
    0434606711                           05           10/01/02          0
    13001357                             O            09/01/32
    0

    8034709          K39/G02             F          144,500.00         ZZ
                                         360        144,378.59          1
                                       6.875            949.27         85
                                       6.625            949.27
    PENSACOLA        FL   32526          5            09/05/02         10
    0434560728                           05           10/10/02         12
    261593929                            O            09/10/32
    0

    8034719          940/G02             F          297,000.00         ZZ
                                         360        297,000.00          1
                                       6.250          1,828.68         76
                                       6.000          1,828.68
    UPLAND           CA   91784          1            09/09/02         00
    0434610234                           03           11/01/02          0
1

    40020773                             O            10/01/32
    0

    8034721          369/G02             F          122,000.00         ZZ
                                         360        121,894.96          1
                                       6.750            791.29         57
                                       6.500            791.29
    PHOENIX          AZ   85308          1            08/26/02         00
    0434632121                           05           10/01/02          0
    0074380387                           O            09/01/32
    0

    8034951          E47/G02             F          260,000.00         ZZ
                                         360        259,786.88          1
                                       7.000          1,729.79         80
                                       6.750          1,729.79
    GALT             CA   95632          1            08/19/02         00
    0434665485                           05           10/01/02          0
    7333012491                           O            09/01/32
    0

    8035025          Q87/G02             F          166,500.00         ZZ
                                         360        166,370.12          1
                                       7.250          1,135.82         85
                                       7.000          1,135.82
    ST. AUGUSTINE    FL   32092          5            09/11/02         04
    0434618450                           05           10/16/02         12
    ASDA02                               O            09/16/32
    0

    8035059          S25/G02             F          165,000.00         ZZ
                                         360        164,715.08          1
                                       6.750          1,070.19         88
                                       6.500          1,070.19
    HILLSBOROUGH     NC   27278          5            08/12/02         11
    0434638003                           05           09/16/02         25
    130448493                            O            08/16/32
    0

    8035189          B44/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       6.750            466.99         48
                                       6.500            466.99
    NAMPA            ID   83686          1            09/04/02         00
    0434618468                           05           11/01/02          0
    5021183                              O            10/01/32
    0

1

    8035311          M27/G02             F          112,800.00         ZZ
                                         360        112,800.00          1
                                       6.875            741.02         80
                                       6.625            741.02
    RALEIGH          NC   27616          1            09/05/02         00
    0434605457                           03           11/01/02          0
    1                                    N            10/01/32
    0

    8035335          F36/G02             F          110,250.00         ZZ
                                         360        110,250.00          1
                                       6.750            715.08         75
                                       6.500            715.08
    TACOMA           WA   98418          2            09/03/02         00
    0434610127                           05           11/01/02          0
    06405123                             O            10/01/32
    0

    8035353          W93/G02             F           88,000.00         ZZ
                                         360         87,926.07          1
                                       6.875            578.10         80
                                       6.625            578.10
    BOISE            ID   83704          2            08/26/02         00
    0434621215                           05           10/01/02          0
    35405591                             O            09/01/32
    0

    8035427          601/G02             F           94,500.00         ZZ
                                         360         94,500.00          1
                                       6.875            620.80         79
                                       6.625            620.80
    ORLANDO          FL   32817          2            08/28/02         00
    0434597019                           05           11/01/02          0
    61761623                             O            10/01/32
    0

    8035519          B57/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       6.750            972.90         75
                                       6.500            972.90
    SOUTH GATE       CA   90280          5            09/03/02         00
    0434587119                           05           11/01/02          0
    10005368                             O            10/01/32
    0

    8035521          F61/G02             F          197,200.00         ZZ
                                         360        197,030.21          1
                                       6.750          1,279.04         79
                                       6.500          1,279.04
1

    LYNNWOOD         WA   98037          5            08/26/02         00
    0434607859                           05           10/01/02          0
    021611B                              O            09/01/32
    0

    8035547          601/G02             F           83,000.00         ZZ
                                         360         82,930.26          1
                                       6.875            545.26         47
                                       6.625            545.26
    AURORA           CO   80014          5            08/26/02         00
    0434579017                           08           10/01/02          0
    61744314                             N            09/01/32
    0

    8035569          W30/G02             F          160,000.00         ZZ
                                         360        159,868.85          1
                                       7.000          1,064.48         88
                                       6.750          1,064.48
    DEERFIELD        NH   03037          5            08/31/02         14
    0434626107                           05           10/01/02         25
    0608147                              O            09/01/32
    0

    8035653          601/G02             F          245,100.00         ZZ
                                         360        244,888.97          1
                                       6.750          1,589.72         95
                                       6.500          1,589.72
    SEMINOLE         FL   33777          1            08/15/02         11
    0434613170                           05           10/01/02         30
    617317590                            O            09/01/32
    0

    8035799          601/G02             F          109,600.00         ZZ
                                         360        109,505.63          1
                                       6.750            710.87         80
                                       6.500            710.87
    SANTA FE         NM   87505          1            08/21/02         00
    0434601225                           05           10/01/02          0
    61757340                             O            09/01/32
    0

    8035891          E47/G02             F          224,000.00         ZZ
                                         360        223,802.37          1
                                       6.625          1,434.30         80
                                       6.375          1,434.30
    PITTSBURG        CA   94565          2            08/26/02         00
    0434648960                           05           10/01/02          0
    7359511629                           O            09/01/32
    0
1

    8035969          742/G02             F          120,450.00         ZZ
                                         360        120,343.73          1
                                       6.625            771.25         90
                                       6.375            771.25
    SPARKS           NV   89436          1            08/30/02         11
    0434608592                           05           10/01/02         25
    5607411                              N            09/01/32
    0

    8036521          E22/G02             F          129,750.00         ZZ
                                         360        129,750.00          1
                                       6.625            830.80         75
                                       6.375            830.80
    ROYAL OAK        MI   48067          5            09/13/02         00
    0414552984                           05           11/01/02          0
    0414552984                           N            10/01/32
    0

    8036535          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.750            583.74         70
                                       6.500            583.74
    MIAMI            FL   33186          5            09/09/02         00
    0414596502                           09           11/01/02          0
    0414596502                           O            10/01/32
    0

    8036565          E22/G02             F          160,800.00         ZZ
                                         360        160,800.00          1
                                       7.250          1,096.94         80
                                       7.000          1,096.94
    PLANO            TX   75093          5            09/09/02         00
    0414664797                           03           11/01/02          0
    0414664797                           O            10/01/32
    0

    8036577          E22/G02             F          265,600.00         ZZ
                                         360        265,600.00          1
                                       6.750          1,722.68         80
                                       6.500          1,722.68
    FRESNO           CA   93711          5            09/05/02         00
    0414682278                           05           11/01/02          0
    0414682278                           O            10/01/32
    0

    8036579          E22/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
1

                                       7.375          1,036.01         53
                                       7.125          1,036.01
    AUSTIN           TX   78756          5            09/05/02         00
    0414684449                           05           11/01/02          0
    0414684449                           O            10/01/32
    0

    8036581          E22/G02             F           77,700.00         ZZ
                                         360         77,700.00          1
                                       6.875            510.43         70
                                       6.625            510.43
    ALBUQUERQUE      NM   87120          1            09/11/02         00
    0414686543                           05           11/01/02          0
    0414686543                           N            10/01/32
    0

    8036589          E22/G02             F          219,300.00         ZZ
                                         360        219,300.00          1
                                       6.875          1,440.64         85
                                       6.625          1,440.64
    SPIRIT LAKE      ID   83869          5            09/04/02         04
    0414700393                           05           11/01/02         12
    0414700393                           O            10/01/32
    0

    8036601          E22/G02             F          206,400.00         ZZ
                                         360        206,400.00          1
                                       6.625          1,321.60         80
                                       6.375          1,321.60
    EAST MORICHES    NY   11940          5            09/09/02         00
    0414712984                           05           11/01/02          0
    0414712984                           O            10/01/32
    0

    8036609          E22/G02             F          245,000.00         ZZ
                                         360        245,000.00          1
                                       6.625          1,568.76         76
                                       6.375          1,568.76
    MOSES LAKE       WA   98837          5            09/06/02         00
    0414722942                           05           11/01/02          0
    0414722942                           O            10/01/32
    0

    8036613          E22/G02             F           64,000.00         ZZ
                                         360         64,000.00          1
                                       7.250            436.59         80
                                       7.000            436.59
    SAN ANTONIO      TX   78201          5            09/09/02         00
    0414730176                           05           11/01/02          0
1

    0414730176                           O            10/01/32
    0

    8036649          E22/G02             F           85,500.00         ZZ
                                         360         85,500.00          1
                                       6.875            561.67         84
                                       6.625            561.67
    TULSA            OK   74134          2            09/06/02         01
    0414775312                           05           11/01/02         12
    0414775312                           O            10/01/32
    0

    8036669          E22/G02             F          267,450.00         ZZ
                                         360        267,450.00          1
                                       6.625          1,712.51         75
                                       6.375          1,712.51
    DALLAS           TX   75229          5            09/09/02         00
    0414789644                           05           11/01/02          0
    0414789644                           O            10/01/32
    0

    8036699          E22/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.500          1,137.72         98
                                       6.250          1,137.72
    HEBER CITY       UT   84032          1            09/06/02         04
    0414806661                           05           11/01/02         35
    0414806661                           O            10/01/32
    0

    8036705          E22/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.500            733.20         80
                                       6.250            733.20
    LOVELAND         CO   80538          1            09/13/02         00
    0414812164                           05           11/01/02          0
    0414812164                           O            10/01/32
    0

    8036717          E22/G02             F          145,800.00         ZZ
                                         360        145,800.00          1
                                       6.625            933.57         90
                                       6.375            933.57
    PLANTATION       FL   33324          5            09/09/02         04
    0414820902                           01           11/01/02         25
    0414820902                           O            10/01/32
    0

1

    8036729          E22/G02             F           44,000.00         ZZ
                                         360         44,000.00          1
                                       7.000            292.73         80
                                       6.750            292.73
    YORKTOWN         IN   47396          1            09/13/02         00
    0414833038                           05           11/01/02          0
    0414833038                           N            10/01/32
    0

    8036735          E22/G02             F           96,300.00         ZZ
                                         360         96,300.00          1
                                       6.750            624.60         65
                                       6.500            624.60
    SUN CITY AREA    CA   92586          5            09/04/02         00
    0414855049                           03           11/01/02          0
    0414855049                           O            10/01/32
    0

    8036755          E22/G02             F          174,900.00         ZZ
                                         360        174,900.00          2
                                       6.750          1,134.40         70
                                       6.500          1,134.40
    NORTH HIGHLANDS  CA   95660          1            09/10/02         00
    0414873430                           05           11/01/02          0
    0414873430                           N            10/01/32
    0

    8036757          E22/G02             F          178,400.00         ZZ
                                         360        178,400.00          1
                                       6.375          1,112.98         80
                                       6.125          1,112.98
    PLANTATION       FL   33313          2            09/09/02         00
    0414877134                           05           11/01/02          0
    0414877134                           O            10/01/32
    0

    8036759          E22/G02             F          196,000.00         ZZ
                                         360        196,000.00          1
                                       6.750          1,271.25         79
                                       6.500          1,271.25
    RANCHOS DE TAOS  NM   87557          2            09/09/02         00
    0414878090                           05           11/01/02          0
    0414878090                           O            10/01/32
    0

    8036763          E22/G02             F          232,500.00         ZZ
                                         360        232,500.00          2
                                       6.875          1,527.36         75
                                       6.625          1,527.36
1

    KIRKLAND         WA   98034          1            09/10/02         00
    0414879684                           05           11/01/02          0
    0414879684                           N            10/01/32
    0

    8036775          E22/G02             F           69,200.00         ZZ
                                         360         69,200.00          1
                                       6.875            454.59         80
                                       6.625            454.59
    PORT SAINT LUCI  FL   34952          1            09/13/02         00
    0414913558                           05           11/01/02          0
    0414913558                           O            10/01/32
    0

    8036783          E22/G02             F          264,735.00         ZZ
                                         360        264,735.00          1
                                       7.125          1,783.57         90
                                       6.875          1,783.57
    NAPLES           FL   34119          1            09/13/02         11
    0414924613                           03           11/01/02         25
    0414924613                           O            10/01/32
    0

    8036795          E22/G02             F          150,000.00         ZZ
                                         360        150,000.00          2
                                       6.500            948.10         35
                                       6.250            948.10
    CHELMSFORD       MA   02176          1            09/13/02         00
    0414965475                           05           11/01/02          0
    0414965475                           N            10/01/32
    0

    8036839          E82/G02             F          110,400.00         ZZ
                                         360        110,400.00          1
                                       6.625            706.90         69
                                       6.375            706.90
    OVERLAND PARK    KS   66223          2            09/12/02         00
    0400693578                           03           11/01/02          0
    1552370                              N            10/01/32
    0

    8036843          E82/G02             F          139,600.00         ZZ
                                         360        139,600.00          1
                                       6.625            893.87         76
                                       6.375            893.87
    BERLIN           CT   06037          2            09/10/02         00
    0400670964                           05           11/01/02          0
    0400670964                           O            10/01/32
    0
1

    8036853          E82/G02             F          170,200.00         ZZ
                                         360        170,200.00          2
                                       6.875          1,118.09         60
                                       6.625          1,118.09
    WEST BABYLON     NY   11704          2            09/12/02         00
    0400673091                           05           11/01/02          0
    1938060                              N            10/01/32
    0

    8037197          B57/G02             F          171,000.00         ZZ
                                         360        170,863.25          4
                                       7.125          1,152.06         90
                                       6.875          1,152.06
    MESA             AZ   85201          1            08/22/02         11
    0434601506                           05           10/01/02         25
    20000608                             N            09/01/32
    0

    8037563          642/G02             F          148,000.00         ZZ
                                         360        148,000.00          2
                                       6.375            923.33         74
                                       6.125            923.33
    PROVIDENCE       RI   02911          5            09/09/02         00
    0434598488                           05           11/01/02          0
    08105102                             O            10/01/32
    0

    8037569          E86/G02             F          207,200.00         ZZ
                                         360        207,025.92          1
                                       6.875          1,361.16         80
                                       6.625          1,361.16
    LAKEWOOD         CA   90712          1            08/19/02         00
    0434609863                           05           10/01/02          0
    0000205011                           O            09/01/32
    0

    8037647          E86/G02             F          128,700.00         ZZ
                                         360        128,501.31          1
                                       7.375            888.89         90
                                       7.125            888.89
    PHOENIX          AZ   85018          1            07/31/02         01
    0434608147                           05           09/01/02         25
    206300                               N            08/01/32
    0

    8037701          X31/G02             F          135,000.00         ZZ
                                         360        135,000.00          4
1

                                       7.375            932.41         70
                                       7.125            932.41
    SAN BERNARDINO   CA   92410          1            09/06/02         01
    0434658159                           05           11/01/02         35
    24000422                             N            10/01/32
    0

    8037715          E76/G02             F           38,400.00         ZZ
                                         360         38,400.00          1
                                       7.000            255.48         80
                                       6.750            255.48
    OKLAHOMA CITY    OK   73120          1            09/11/02         00
    0434596235                           05           11/01/02          0
    10015                                N            10/01/32
    0

    8037731          E86/G02             F          135,920.00         ZZ
                                         360        135,701.97          1
                                       7.125            915.72         80
                                       6.875            915.72
    KENNESAW         GA   30144          1            07/16/02         00
    0434599981                           03           09/01/02          0
    209757                               O            08/01/32
    0

    8037771          A52/G02             F           85,600.00         ZZ
                                         360         85,600.00          1
                                       7.125            576.70         80
                                       6.875            576.70
    DOUGLASVILLE     GA   30135          5            09/11/02         00
    0434601738                           05           11/01/02          0
    20829                                O            10/01/32
    0

    8037795          Q14/G02             F           91,920.00         ZZ
                                         360         91,920.00          1
                                       7.000            611.55         80
                                       6.750            611.55
    LEES SUMMIT      MO   64063          1            09/12/02         00
    0434614475                           05           11/01/02          0
    0208959B                             N            10/01/32
    0

    8037817          Q14/G02             F           77,500.00         ZZ
                                         360         77,500.00          1
                                       6.625            496.24         78
                                       6.375            496.24
    EAST MOLINE      IL   61244          2            09/11/02         00
    0434609608                           05           11/01/02          0
1

    0208948                              O            10/01/32
    0

    8037859          U42/G02             F           27,000.00         ZZ
                                         360         27,000.00          1
                                       7.250            184.19         24
                                       7.000            184.19
    AUSTIN           TX   78745          1            09/09/02         00
    0434617189                           05           11/01/02          0
    10201434                             N            10/01/32
    0

    8037867          A06/G02             F           52,500.00         ZZ
                                         360         52,459.04          2
                                       7.250            358.15         73
                                       7.000            358.15
    HILLSDALE        MI   49242          2            09/03/02         00
    0434593224                           05           10/01/02          0
    1                                    N            09/01/32
    0

    8037875          U36/G02             F          105,000.00         ZZ
                                         360        104,911.78          1
                                       6.875            689.78         66
                                       6.625            689.78
    CENTREVILLE      VA   20121          1            08/30/02         00
    0434623815                           09           10/01/02          0
    010402001                            O            09/01/32
    0

    8038613          G51/G02             F          107,406.00         ZZ
                                         360        107,320.10          1
                                       7.125            723.62         90
                                       6.875            723.62
    ST. AUGUSTINE    FL   32086          1            08/30/02         14
    0434609350                           05           10/01/02         35
    25000463                             N            09/01/32
    0

    8038731          134/G02             F          145,000.00         ZZ
                                         347        144,739.99          1
                                       7.000            975.46         67
                                       6.750            975.46
    HARRISON CITY    PA   15636          1            07/22/02         00
    0434610986                           05           09/01/02          0
    11596558                             O            07/01/31
    0

1

    8039317          U19/G02             F          179,000.00         ZZ
                                         360        179,000.00          1
                                       6.500          1,131.40         68
                                       6.250          1,131.40
    LITTLETON        CO   80120          5            09/09/02         00
    0434541959                           05           11/01/02          0
    40804749                             O            10/01/32
    0

    8039347          S11/G02             F          192,000.00         ZZ
                                         360        191,838.70          1
                                       6.875          1,261.30         80
                                       6.625          1,261.30
    RANCHO SANTA MA  CA   92688          2            08/27/02         00
    0434616892                           01           10/01/02          0
    10208508                             O            09/01/32
    0

    8039373          F36/G02             F          198,800.00         ZZ
                                         360        198,800.00          1
                                       6.375          1,240.25         80
                                       6.125          1,240.25
    KIRKLAND         WA   98034          1            09/09/02         00
    0434620506                           05           11/01/02          0
    06505202                             O            10/01/32
    0

    8039467          601/G02             F          117,000.00         ZZ
                                         360        116,904.10          1
                                       7.000            778.40         90
                                       6.750            778.40
    CARROLLTON       TX   75007          1            08/23/02         10
    0434599221                           05           10/01/02         25
    6180188                              O            09/01/32
    0

    8039535          U19/G02             F          185,200.00         ZZ
                                         360        185,200.00          1
                                       6.375          1,155.41         95
                                       6.125          1,155.41
    DELTA            CO   81416          2            09/09/02         01
    0434540134                           05           11/01/02         25
    50804490                             O            10/01/32
    0

    8039545          601/G02             F          112,700.00         ZZ
                                         360        112,600.56          1
                                       6.625            721.64         67
                                       6.375            721.64
1

    LAWRENCEVILLE    GA   30043          5            08/27/02         00
    0434596144                           05           10/01/02          0
    61765293                             O            09/01/32
    0

    8039601          601/G02             F           54,400.00         ZZ
                                         360         54,353.16          1
                                       6.750            352.84         80
                                       6.500            352.84
    MANSFIELD        OH   44903          1            08/28/02         00
    0434592150                           05           10/01/02          0
    61777652                             N            09/01/32
    0

    8039655          E11/G02             F           70,000.00         ZZ
                                         360         70,000.00          1
                                       6.875            459.85         47
                                       6.625            459.85
    MINNETONKA       MN   55345          2            09/12/02         00
    0434659546                           05           11/01/02          0
    0010001046744                        N            10/01/32
    0

    8039697          601/G02             F          129,360.00         ZZ
                                         360        129,243.05          1
                                       6.500            817.65         80
                                       6.250            817.65
    LONGMONT         CO   80501          1            08/21/02         00
    0434610879                           05           10/01/02          0
    61810537                             N            09/01/32
    0

    8039701          Q30/G02             F          233,050.00         ZZ
                                         360        232,854.21          2
                                       6.875          1,530.97         79
                                       6.625          1,530.97
    METHUEN          MA   01844          5            08/30/02         00
    0434617908                           05           10/01/02          0
    2101520                              O            09/01/32
    0

    8039719          601/G02             F           95,000.00         ZZ
                                         360         94,918.21          1
                                       6.750            616.17         59
                                       6.500            616.17
    CLEARWATER       FL   34764          2            08/21/02         00
    0434591590                           05           10/01/02          0
    61719506                             O            09/01/32
    0
1

    8039731          601/G02             F          262,500.00         ZZ
                                         360        262,279.47          1
                                       6.875          1,724.44         70
                                       6.625          1,724.44
    MILLSTONE TWP    NJ   08510          1            08/26/02         00
    0434577748                           05           10/01/02          0
    61762233                             O            09/01/32
    0

    8039743          601/G02             F           96,300.00         ZZ
                                         360         96,226.71          1
                                       7.375            665.13         90
                                       7.125            665.13
    ACWORTH          GA   30102          1            08/29/02         14
    0434602348                           05           10/01/02         25
    61820692                             N            09/01/32
    0

    8039747          601/G02             F          137,750.00         ZZ
                                         240        137,493.49          1
                                       7.250          1,088.75         95
                                       7.000          1,088.75
    ARKANSAS CITY    KS   67005          2            08/08/02         14
    0434595880                           05           10/01/02         30
    61719878                             O            09/01/22
    0

    8039749          742/G02             F          120,450.00         ZZ
                                         360        120,343.73          1
                                       6.625            771.25         90
                                       6.375            771.25
    SPARKS           NV   89436          1            08/30/02         11
    0434618146                           05           10/01/02         35
    5617410                              N            09/01/32
    0

    8039761          601/G02             F          126,000.00         ZZ
                                         360        125,517.89          1
                                       6.750            817.24         65
                                       6.500            817.24
    BALTIMORE        MD   21234          5            07/10/02         00
    0434587689                           05           09/01/02          0
    61673406                             O            08/01/32
    0

    8039857          601/G02             F          300,700.00         ZZ
                                         360        300,471.18          4
1

                                       7.375          2,076.87         90
                                       7.125          2,076.87
    PORTLAND         ME   04101          1            08/15/02         11
    0434598868                           05           10/01/02         25
    61626107                             O            09/01/32
    0

    8039893          601/G02             F          150,400.00         ZZ
                                         360        150,267.30          1
                                       6.625            963.03         80
                                       6.375            963.03
    CLEARWATER       FL   33761          1            08/30/02         00
    0434604765                           05           10/01/02          0
    61851382                             O            09/01/32
    0

    8040191          G75/G75             F           97,650.00         ZZ
                                         360         97,425.69          1
                                       7.375            674.45         95
                                       7.125            674.45
    CHARLOTTE        NC   28214          1            06/28/02         10
    04710679                             05           08/01/02         30
    04710679                             O            07/01/32
    0

    8040207          G75/G75             F          148,500.00         ZZ
                                         360        148,150.34          1
                                       7.250          1,013.04         90
                                       7.000          1,013.04
    MANASSAS         VA   20110          1            06/21/02         10
    04721191                             03           08/01/02         25
    04721191                             O            07/01/32
    0

    8040209          G75/G75             F          276,000.00         ZZ
                                         360        275,317.31          1
                                       7.000          1,836.24         80
                                       6.750          1,836.24
    ANNANDALE        VA   22003          1            06/20/02         00
    04694471                             05           08/01/02          0
    04694471                             O            07/01/32
    0

    8040215          G75/G75             F           52,650.00         ZZ
                                         360         52,565.53          1
                                       7.125            354.72         90
                                       6.875            354.72
    HYATTSVILLE      MD   20782          1            07/02/02         01
    04701391                             08           09/01/02         25
1

    04701391                             N            08/01/32
    0

    8040217          G75/G75             F          228,000.00         ZZ
                                         360        228,000.00          1
                                       7.250          1,555.37         80
                                       7.000          1,555.37
    STAFFORD         VA   22554          1            09/26/02         00
    04523432                             05           11/01/02          0
    04523432                             O            10/01/32
    0

    8040233          G75/G75             F          242,000.00         ZZ
                                         360        241,561.26          1
                                       6.500          1,529.61         80
                                       6.250          1,529.61
    CHESTERFIELD     VA   23832          1            07/31/02         00
    04756485                             05           09/01/02          0
    04756485                             O            08/01/32
    0

    8040239          G75/G75             F           70,000.00         ZZ
                                         360         69,936.72          1
                                       6.500            442.45         68
                                       6.250            442.45
    LINCOLN PARK     MI   48146          1            08/16/02         00
    04777198                             05           10/01/02          0
    04777198                             O            09/01/32
    0

    8040241          G75/G75             F           92,700.00         ZZ
                                         360         92,624.01          2
                                       7.000            616.74         90
                                       6.750            616.74
    CHERRY HILL      NJ   08002          1            08/28/02         10
    04792948                             05           10/01/02         25
    04792948                             N            09/01/32
    0

    8040291          E22/G02             F           68,800.00         ZZ
                                         360         68,800.00          1
                                       7.000            457.73         80
                                       6.750            457.73
    MIAMI            FL   33172          5            09/11/02         00
    0414055236                           08           11/01/02          0
    0414055236                           O            10/01/32
    0

1

    8040293          E22/G02             F          117,150.00         ZZ
                                         360        117,150.00          1
                                       6.375            730.86         90
                                       6.125            730.86
    BOISE            ID   83713          1            09/11/02         04
    0414135053                           03           11/01/02         25
    0414135053                           O            10/01/32
    0

    8040311          E22/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
                                       6.625          1,306.23         80
                                       6.375          1,306.23
    AUSTIN           TX   78737          5            09/10/02         00
    0414530261                           05           11/01/02          0
    0414530261                           O            10/01/32
    0

    8040319          E22/G02             F           56,000.00         ZZ
                                         360         56,000.00          1
                                       7.375            386.78         75
                                       7.125            386.78
    SAVANNAH         GA   31406          5            09/11/02         00
    0414565283                           05           11/01/02          0
    0414565283                           N            10/01/32
    0

    8040343          E22/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.500          1,580.17         56
                                       6.250          1,580.17
    SANTA FE         NM   87501          5            09/10/02         00
    0414617043                           05           11/01/02          0
    0414617043                           O            10/01/32
    0

    8040361          E22/G02             F           61,650.00         ZZ
                                         360         61,650.00          1
                                       6.875            405.00         90
                                       6.625            405.00
    BROKEN ARROW     OK   74012          1            09/16/02         04
    0414652982                           05           11/01/02         25
    0414652982                           N            10/01/32
    0

    8040373          E22/G02             F          154,000.00         ZZ
                                         360        154,000.00          1
                                       6.875          1,011.67         92
                                       6.625          1,011.67
1

    GRAND JUNCTION   CO   81504          5            09/10/02         01
    0414662700                           05           11/01/02         30
    0414662700                           O            10/01/32
    0

    8040375          E22/G02             F          118,500.00         ZZ
                                         360        118,500.00          1
                                       6.875            778.46         85
                                       6.625            778.46
    MABLETON         GA   30126          2            09/10/02         10
    0414664417                           05           11/01/02         12
    0414664417                           O            10/01/32
    0

    8040399          E22/G02             F          292,500.00         ZZ
                                         360        292,500.00          1
                                       6.375          1,824.82         90
                                       6.125          1,824.82
    ELLICOTT CITY    MD   21042          5            09/10/02         04
    0414704148                           05           11/01/02         25
    0414704148                           O            10/01/32
    0

    8040403          E22/G02             F          166,500.00         ZZ
                                         360        166,500.00          1
                                       7.000          1,107.73         90
                                       6.750          1,107.73
    DELRAY BEACH     FL   33445          5            09/11/02         04
    0414709576                           03           11/01/02         25
    0414709576                           O            10/01/32
    0

    8040419          E22/G02             F          147,800.00         ZZ
                                         360        147,800.00          1
                                       6.750            958.63         57
                                       6.500            958.63
    STERLING HEIGHT  MI   48314          2            09/11/02         00
    0414727099                           29           11/01/02          0
    0414727099                           O            10/01/32
    0

    8040443          E22/G02             F          109,600.00         ZZ
                                         360        109,600.00          1
                                       7.250            747.67         80
                                       7.000            747.67
    LAKEWOOD         CO   80227          5            09/11/02         00
    0414752493                           09           11/01/02          0
    0414752493                           O            10/01/32
    0
1

    8040445          E22/G02             F          244,000.00         ZZ
                                         360        244,000.00          1
                                       6.625          1,562.36         80
                                       6.375          1,562.36
    SAN DIEGO        CA   92114          5            09/11/02         00
    0414752774                           05           11/01/02          0
    0414752774                           O            10/01/32
    0

    8040457          E22/G02             F           85,000.00         ZZ
                                         360         85,000.00          1
                                       6.375            530.29         77
                                       6.125            530.29
    FLOWERY BRANCH   GA   30542          5            09/11/02         00
    0414764332                           05           11/01/02          0
    0414764332                           O            10/01/32
    0

    8040465          E22/G02             F           68,000.00         ZZ
                                         360         68,000.00          1
                                       6.875            446.71         83
                                       6.625            446.71
    MARIETTA         OK   73448          2            09/10/02         01
    0414769521                           05           11/01/02         12
    0414769521                           O            10/01/32
    0

    8040491          E22/G02             F           85,500.00         ZZ
                                         360         85,500.00          1
                                       7.000            568.83         86
                                       6.750            568.83
    COLLINSVILLE     OK   74021          5            09/10/02         01
    0414792960                           05           11/01/02         25
    0414792960                           O            10/01/32
    0

    8040495          E22/G02             F          215,400.00         ZZ
                                         360        215,400.00          1
                                       6.750          1,397.08         64
                                       6.500          1,397.08
    COLORADO SPRING  CO   80908          2            09/10/02         00
    0414798801                           05           11/01/02          0
    0414798801                           O            10/01/32
    0

    8040499          E22/G02             F           99,000.00         ZZ
                                         360         99,000.00          1
1

                                       6.625            633.91         74
                                       6.375            633.91
    PROVIDENCE       RI   02908          5            09/11/02         00
    0414800409                           05           11/01/02          0
    0414800409                           O            10/01/32
    0

    8040505          E22/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.375          1,122.97         75
                                       6.125          1,122.97
    FORESTVILLE      CA   95436          5            09/09/02         00
    0414805150                           05           11/01/02          0
    0414805150                           O            10/01/32
    0

    8040559          E22/G02             F          147,200.00         ZZ
                                         360        147,200.00          1
                                       6.875            967.00         80
                                       6.625            967.00
    CHESTERFIELD     MI   48047          5            09/11/02         00
    0414847947                           05           11/01/02          0
    0414847947                           O            10/01/32
    0

    8040563          E22/G02             F          185,000.00         ZZ
                                         360        185,000.00          1
                                       7.375          1,277.75         90
                                       7.125          1,277.75
    TIMBERVILLE      VA   22853          5            09/11/02         10
    0414849182                           05           11/01/02         25
    0414849182                           O            10/01/32
    0

    8040581          E22/G02             F          109,800.00         ZZ
                                         360        109,800.00          1
                                       6.500            694.01         90
                                       6.250            694.01
    SIGNAL MOUNTAIN  TN   37377          1            09/16/02         10
    0414859678                           05           11/01/02         25
    0414859678                           N            10/01/32
    0

    8040601          E22/G02             F          103,000.00         ZZ
                                         360        103,000.00          1
                                       6.750            668.06         69
                                       6.500            668.06
    RICHARDSON       TX   75081          5            09/11/02         00
    0414868273                           05           11/01/02          0
1

    0414868273                           O            10/01/32
    0

    8040623          E22/G02             F          135,900.00         ZZ
                                         360        135,900.00          1
                                       7.000            904.15         90
                                       6.750            904.15
    SOUTH BEND       IN   46614          1            09/16/02         01
    0414898262                           05           11/01/02         30
    0414898262                           O            10/01/32
    0

    8040625          E22/G02             F           93,100.00         ZZ
                                         360         93,100.00          1
                                       6.750            603.84         95
                                       6.500            603.84
    WEST PALM BEACH  FL   33407          1            09/16/02         01
    0414898544                           09           11/01/02         30
    0414898544                           O            10/01/32
    0

    8040637          E22/G02             F          147,375.00         ZZ
                                         360        147,375.00          2
                                       7.250          1,005.36         75
                                       7.000          1,005.36
    PUEBLO           CO   81007          5            09/16/02         00
    0414928242                           05           11/01/02          0
    0414928242                           N            10/01/32
    0

    8040789          E82/G02             F          153,000.00         ZZ
                                         360        153,000.00          1
                                       6.625            979.68         73
                                       6.375            979.68
    MACUNGIE         PA   18062          2            09/10/02         00
    0400682662                           05           11/01/02          0
    2933219                              O            10/01/32
    0

    8040833          E82/G02             F          103,000.00         ZZ
                                         360        103,000.00          1
                                       6.500            651.03         66
                                       6.250            651.03
    WARWICK          PA   18974          2            09/11/02         00
    0400672580                           01           11/01/02          0
    1660909                              O            10/01/32
    0

1

    8040835          E82/G02             F           56,000.00         ZZ
                                         360         56,000.00          1
                                       6.875            367.88         26
                                       6.625            367.88
    SILVER SPRING    MD   20906          2            09/11/02         00
    0400683595                           03           11/01/02          0
    6988968                              O            10/01/32
    0

    8040837          E82/G02             F          289,800.00         ZZ
                                         360        289,800.00          1
                                       6.875          1,903.78         77
                                       6.625          1,903.78
    CARLSBAD         CA   92009          2            09/11/02         00
    0400674404                           03           11/01/02          0
    1850678                              O            10/01/32
    0

    8040905          E82/G02             F          135,800.00         ZZ
                                         360        135,800.00          1
                                       6.375            847.22         54
                                       6.125            847.22
    WHITTIER         CA   90604          2            09/09/02         00
    0400693883                           05           11/01/02          0
    5479028                              O            10/01/32
    0

    8041131          E11/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.500            632.07         59
                                       6.250            632.07
    MPLS             MN   55418          5            09/04/02         00
    0434642443                           05           11/01/02          0
    0010001047540                        O            10/01/32
    0

    8041175          G27/G02             F          163,500.00         ZZ
                                         360        163,355.75          1
                                       6.625          1,046.91         70
                                       6.375          1,046.91
    FREDERICK        MD   21702          5            08/30/02         00
    0434618039                           05           10/01/02          0
    23902067                             O            09/01/32
    0

    8041455          822/G02             F          192,000.00         ZZ
                                         360        191,668.45          3
                                       6.750          1,245.31         80
                                       6.500          1,245.31
1

    TAUNTON          MA   02780          1            07/22/02         00
    0434620696                           05           09/01/02          0
    3446028676                           N            08/01/32
    0

    8041493          822/G02             F          286,200.00         ZZ
                                         360        285,953.59          4
                                       6.750          1,856.29         90
                                       6.500          1,856.29
    PHILADELPHIA     PA   19146          1            08/29/02         10
    0434622213                           07           10/01/02         25
    3636072757                           N            09/01/32
    0

    8041499          822/G02             F          263,500.00         ZZ
                                         360        263,278.63          1
                                       6.875          1,731.01         85
                                       6.625          1,731.01
    PROVIDENCE       RI   02906          5            08/21/02         12
    0434622650                           01           10/01/02         12
    4666001332                           O            09/01/32
    0

    8041899          U05/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       7.250          1,036.91         80
                                       7.000          1,036.91
    FORT WORTH       TX   76116          5            09/06/02         00
    0434728002                           05           11/01/02          0
    3257291                              O            10/01/32
    0

    8042015          N56/G02             F           71,000.00         ZZ
                                         360         71,000.00          1
                                       7.375            490.38         77
                                       7.125            490.38
    MONTROSE         MI   48457          5            09/13/02         00
    0434625463                           05           11/01/02          0
    7318360                              O            10/01/32
    0

    8042099          601/G02             F          231,000.00         ZZ
                                         360        230,819.80          1
                                       7.250          1,575.83         76
                                       7.000          1,575.83
    GAINESVILLE      VA   20155          2            08/12/02         00
    0434586780                           03           10/01/02          0
    61666723                             O            09/01/32
    0
1

    8042103          M37/G02             F           66,400.00         ZZ
                                         360         66,400.00          1
                                       6.750            430.67         80
                                       6.500            430.67
    FLAGSTAFF        AZ   86004          1            09/10/02         00
    0434617114                           01           11/01/02          0
    608904                               N            10/01/32
    0

    8042143          A52/G02             F          127,800.00         ZZ
                                         360        127,800.00          1
                                       7.250            871.82         90
                                       7.000            871.82
    WALESKA          GA   30183          2            09/10/02         11
    0434601951                           03           11/01/02         25
    20867                                O            10/01/32
    0

    8042179          M43/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       7.000            612.08         80
                                       6.750            612.08
    FAIRFAX          VA   22031          1            09/16/02         00
    0434621769                           01           11/01/02          0
    7585222A                             O            10/01/32
    0

    8042221          K15/G02             F           65,000.00         ZZ
                                         360         65,000.00          1
                                       7.375            448.94         80
                                       7.125            448.94
    NEWPORT RICHEY   FL   34655          5            09/03/02         00
    0434652186                           05           11/01/02          0
    00950300100                          O            10/01/32
    0

    8042501          W93/G02             F           88,000.00         ZZ
                                         360         87,926.07          1
                                       6.875            578.10         80
                                       6.625            578.10
    EL MIRAGE        AZ   85335          2            08/31/02         00
    0434617643                           03           10/01/02          0
    35405637                             O            09/01/32
    0

    8042515          737/G02             F          134,500.00         ZZ
                                         360        134,500.00          1
1

                                       6.875            883.57         80
                                       6.625            883.57
    BALLWIN          MO   63011          1            09/10/02         00
    0434606133                           05           11/01/02          0
    2081729                              O            10/01/32
    0

    8042567          P44/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.500          1,516.96         80
                                       6.250          1,516.96
    BOURNE           MA   02561          5            09/12/02         00
    0434616918                           05           11/01/02          0
    0012032                              O            10/01/32
    0

    8042617          601/G02             F           96,000.00         ZZ
                                         360         95,921.30          1
                                       7.000            638.70         80
                                       6.750            638.70
    DUNEDIN          FL   34698          5            08/16/02         00
    0434587069                           05           10/01/02          0
    61708244                             N            09/01/32
    0

    8042633          601/G02             F          149,200.00         ZZ
                                         360        149,071.54          1
                                       6.750            967.71         80
                                       6.500            967.71
    WILLS POINT      TX   75169          1            08/06/02         00
    0434576682                           05           10/01/02          0
    61717286                             O            09/01/32
    0

    8042661          W77/G02             F          146,000.00         ZZ
                                         360        146,000.00          2
                                       6.750            946.95         80
                                       6.500            946.95
    COLLEGE STATION  TX   77845          1            09/11/02         00
    0434618070                           03           11/01/02          0
    W0209026                             N            10/01/32
    0

    8042787          601/G02             F          160,000.00         ZZ
                                         360        159,851.81          1
                                       6.375            998.19         69
                                       6.125            998.19
    SPRINGFIELD      TN   37172          2            08/19/02         00
    0434610499                           05           10/01/02          0
1

    61714788                             O            09/01/32
    0

    8042811          601/G02             F           51,300.00         ZZ
                                         360         51,258.97          1
                                       7.125            345.62         90
                                       6.875            345.62
    CLAYMONT         DE   19703          1            08/07/02         10
    0434598926                           05           10/01/02         25
    61644670                             N            09/01/32
    0

    8042815          601/G02             F          264,200.00         ZZ
                                         360        263,972.53          1
                                       6.750          1,713.60         77
                                       6.500          1,713.60
    BERTLETT         IL   60103          2            08/12/02         00
    0434591350                           05           10/01/02          0
    61687190                             O            09/01/32
    0

    8042827          601/G02             F          144,750.00         ZZ
                                         360        144,631.34          1
                                       7.000            963.03         60
                                       6.750            963.03
    ENGLEWOOD        FL   34223          2            07/31/02         00
    0434610770                           05           10/01/02          0
    61718938                             O            09/01/32
    0

    8042843          601/G02             F          119,920.00         ZZ
                                         360        119,826.45          2
                                       7.250            818.07         79
                                       7.000            818.07
    PALM COAST       FL   32164          1            08/22/02         00
    0434596821                           05           10/01/02          0
    61718961                             N            09/01/32
    0

    8042931          B28/G02             F          105,000.00         ZZ
                                         360        104,913.93          1
                                       7.000            698.57         68
                                       6.750            698.57
    COLORADO SPRING  CO   80907          5            08/26/02         00
    0434608683                           05           10/01/02          0
    05400002                             O            09/01/32
    0

1

    8043017          601/G02             F          119,920.00         ZZ
                                         360        119,826.45          2
                                       7.250            818.07         80
                                       7.000            818.07
    PALM COAST       FL   32164          1            08/22/02         00
    0434597332                           05           10/01/02          0
    61711693                             N            09/01/32
    0

    8043063          601/G02             F          232,000.00         ZZ
                                         360        231,795.30          3
                                       6.625          1,485.53         71
                                       6.375          1,485.53
    MADEIRA BEACH    FL   33708          5            08/23/02         00
    0434593638                           05           10/01/02          0
    61693602                             O            09/01/32
    0

    8043093          601/G02             F          240,000.00         ZZ
                                         360        239,798.37          2
                                       6.875          1,576.63         68
                                       6.625          1,576.63
    REVERE           MA   02151          5            08/08/02         00
    0434593596                           05           10/01/02          0
    61694659                             O            09/01/32
    0

    8043133          601/G02             F          212,000.00         ZZ
                                         360        211,826.22          1
                                       7.000          1,410.45         36
                                       6.750          1,410.45
    LONGMONT         CO   80504          2            08/09/02         00
    0434596268                           03           10/01/02          0
    61714465                             N            09/01/32
    0

    8043147          X82/G02             F          145,500.00         ZZ
                                         360        145,371.63          1
                                       6.625            931.65         72
                                       6.375            931.65
    CHESAPEAKE BEAC  MD   20732          2            08/22/02         00
    0434667861                           05           10/01/02          0
    834251                               O            09/01/32
    0

    8043173          K31/G02             F          112,200.00         ZZ
                                         360        112,020.02          1
                                       7.125            755.91         85
                                       6.875            755.91
1

    DULUTH           GA   30097          1            07/22/02         10
    0434614624                           05           09/01/02         12
    2121720807                           O            08/01/32
    0

    8043197          X64/G02             F          225,000.00         ZZ
                                         360        224,791.60          1
                                       6.375          1,403.71         53
                                       6.125          1,403.71
    SHELBY TOWNSHIP  MI   48316          5            08/23/02         00
    0434651543                           05           10/01/02          0
    0001768973                           O            09/01/32
    0

    8043213          601/G02             F          296,000.00         ZZ
                                         360        295,751.32          2
                                       6.875          1,944.51         80
                                       6.625          1,944.51
    HUNTINGTON       NY   11743          1            08/26/02         00
    0434603106                           05           10/01/02          0
    61572491                             O            09/01/32
    0

    8043421          601/G02             F          170,000.00         ZZ
                                         360        169,860.65          1
                                       7.000          1,131.02         70
                                       6.750          1,131.02
    ST SIMONS ISLAN  GA   31522          5            08/22/02         00
    0434591913                           01           10/01/02          0
    61599841                             N            09/01/32
    0

    8044015          998/998             F          232,000.00         ZZ
                                         360        231,636.94          1
                                       7.250          1,582.65         80
                                       7.000          1,582.65
    MIAMI            FL   33156          5            07/22/02         00
    4969897                              05           09/01/02          0
    4969897                              O            08/01/32
    0

    8044017          998/998             F          396,000.00         ZZ
                                         360        395,691.08          4
                                       7.250          2,701.42         90
                                       7.000          2,701.42
    BROOKLYN         NY   11237          1            08/08/02         10
    5100252                              05           10/01/02         25
    5100252                              O            09/01/32
    0
1

    8044019          998/998             F          378,000.00         ZZ
                                         360        377,712.36          3
                                       7.375          2,610.76         90
                                       7.125          2,610.76
    BRONX            NY   10463          1            08/06/02         10
    5128724                              05           10/01/02         25
    5128724                              O            09/01/32
    0

    8044171          W93/G02             F          269,600.00         ZZ
                                         360        269,373.50          1
                                       6.875          1,771.08         80
                                       6.625          1,771.08
    OXNARD           CA   93030          2            08/22/02         00
    0434630596                           05           10/01/02          0
    25365390                             O            09/01/32
    0

    8044181          W93/G02             F          250,000.00         ZZ
                                         360        249,789.97          2
                                       6.875          1,642.32         77
                                       6.625          1,642.32
    SAN DIEGO        CA   92105          5            08/26/02         00
    0434622148                           05           10/01/02          0
    28396341                             O            09/01/32
    0

    8044189          W93/G02             F          184,000.00         ZZ
                                         360        183,841.57          1
                                       6.750          1,193.43         80
                                       6.500          1,193.43
    SAN DIEGO        CA   92126          1            08/26/02         00
    0434620738                           01           10/01/02          0
    28396690                             N            09/01/32
    0

    8044195          W93/G02             F          120,000.00         ZZ
                                         360        119,899.18          1
                                       6.875            788.32         55
                                       6.625            788.32
    PALM SPRINGS     CA   92262          1            08/26/02         00
    0434624219                           05           10/01/02          0
    28396959                             O            09/01/32
    0

    8044223          W93/G02             F          131,600.00         ZZ
                                         360        131,497.33          1
1

                                       7.250            897.75         80
                                       7.000            897.75
    JACKSONVILLE     OR   97530          1            08/27/02         00
    0434619987                           05           10/01/02          0
    42397113                             O            09/01/32
    0

    8044227          W93/G02             F          132,000.00         ZZ
                                         360        131,886.35          1
                                       6.750            856.15         80
                                       6.500            856.15
    STOCKTON         CA   95203          1            08/22/02         00
    0434648416                           05           10/01/02          0
    46378211                             O            09/01/32
    0

    8044251          W93/G02             F          147,200.00         ZZ
                                         360        147,082.28          1
                                       7.125            991.72         80
                                       6.875            991.72
    DENVER           CO   80220          2            08/23/02         00
    0434630620                           09           10/01/02          0
    77390859                             O            09/01/32
    0

    8044255          W93/G02             F          257,800.00         ZZ
                                         360        257,578.04          1
                                       6.750          1,672.09         49
                                       6.500          1,672.09
    EVERGREEN        CO   80439          5            08/26/02         00
    0434631008                           03           10/01/02          0
    77390974                             O            09/01/32
    0

    8044257          W93/G02             F          103,600.00         ZZ
                                         360        103,512.96          1
                                       6.875            680.58         61
                                       6.625            680.58
    DENVER           CO   80219          5            08/29/02         00
    0434621108                           05           10/01/02          0
    77390975                             N            09/01/32
    0

    8044259          W93/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       7.125            943.21         80
                                       6.875            943.21
    DENVER           CO   80211          5            09/06/02         00
    0434632709                           05           11/01/02          0
1

    77391248                             N            10/01/32
    0

    8044265          W93/G02             F          144,950.00         ZZ
                                         360        144,831.18          1
                                       7.000            964.36         65
                                       6.750            964.36
    LAKEWOOD         CO   80227          5            08/26/02         00
    0434617619                           01           10/01/02          0
    78391391                             O            09/01/32
    0

    8044409          W93/G02             F          188,000.00         ZZ
                                         360        187,838.13          1
                                       6.750          1,219.37         80
                                       6.500          1,219.37
    SAN DIEGO        CA   92126          1            08/26/02         00
    0434620852                           01           10/01/02          0
    28396609                             N            09/01/32
    0

    8044619          E82/G02             F          138,300.00         ZZ
                                         360        138,300.00          1
                                       7.250            943.45         66
                                       7.000            943.45
    ORLAND           CA   95963          2            09/11/02         00
    0400672689                           05           11/01/02          0
    6879438                              N            10/01/32
    0

    8044703          U19/G02             F          214,500.00         ZZ
                                         360        214,500.00          1
                                       7.000          1,427.07         75
                                       6.750          1,427.07
    DENVER           CO   80209          1            09/13/02         00
    0434559555                           05           11/01/02          0
    80804812                             O            10/01/32
    0

    8044739          U19/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.500            821.69         75
                                       6.250            821.69
    DENVER           CO   80220          5            09/11/02         00
    0434558995                           05           11/01/02          0
    50804807                             O            10/01/32
    0

1

    8044775          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       6.875            578.10         89
                                       6.625            578.10
    HENDERSONVILLE   NC   28739          1            09/17/02         01
    0414829820                           05           11/01/02         30
    0414829820                           O            10/01/32
    0

    8044777          E22/G02             F           51,000.00         ZZ
                                         360         51,000.00          1
                                       7.250            347.91         75
                                       7.000            347.91
    KANNAPOLIS       NC   28083          5            09/17/02         00
    0414829598                           05           11/01/02          0
    0414829598                           N            10/01/32
    0

    8044783          E22/G02             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       6.500            790.09         36
                                       6.250            790.09
    SANTA ROSA       CA   95409          1            09/06/02         00
    0414835850                           03           11/01/02          0
    0414835850                           N            10/01/32
    0

    8044811          E22/G02             F          252,000.00         ZZ
                                         360        252,000.00          1
                                       6.375          1,572.15         80
                                       6.125          1,572.15
    GRASS VALLEY     CA   95945          1            09/11/02         00
    0414864454                           05           11/01/02          0
    0414864454                           O            10/01/32
    0

    8044829          E22/G02             F           92,800.00         ZZ
                                         360         92,800.00          1
                                       6.625            594.21         80
                                       6.375            594.21
    ALLEN            TX   75002          1            09/16/02         00
    0414883751                           05           11/01/02          0
    0414883751                           N            10/01/32
    0

    8044835          E22/G02             F          151,920.00         ZZ
                                         360        151,920.00          1
                                       6.750            985.35         80
                                       6.500            985.35
1

    BLACK MOUNTAIN   NC   28711          1            09/17/02         00
    0414895763                           05           11/01/02          0
    0414895763                           O            10/01/32
    0

    8044837          E22/G02             F           39,600.00         ZZ
                                         360         39,600.00          1
                                       7.250            270.14         90
                                       7.000            270.14
    FORT LAUDERDALE  FL   33311          1            09/17/02         01
    0414897967                           01           11/01/02         25
    0414897967                           N            10/01/32
    0

    8044863          E22/G02             F           58,400.00         ZZ
                                         360         58,400.00          1
                                       7.375            403.35         80
                                       7.125            403.35
    PUEBLO           CO   81004          2            09/17/02         00
    0414938043                           05           11/01/02          0
    0414938043                           N            10/01/32
    0

    8044885          E22/G02             F          216,000.00         ZZ
                                         240        216,000.00          1
                                       6.500          1,610.44         80
                                       6.250          1,610.44
    FAIRLAWN         NJ   07410          5            09/12/02         00
    0414540393                           05           11/01/02          0
    0414540393                           O            10/01/22
    0

    8044887          E22/G02             F          118,600.00         ZZ
                                         360        118,600.00          1
                                       6.625            759.41         75
                                       6.375            759.41
    SWEETHOME        OR   97386          2            08/29/02         00
    0414546150                           27           11/01/02          0
    0414546150                           O            10/01/32
    0

    8044917          E22/G02             F           59,250.00         ZZ
                                         360         59,250.00          2
                                       7.375            409.23         75
                                       7.125            409.23
    WILMINGTON       NC   28412          2            09/17/02         00
    0414668079                           05           11/01/02          0
    0414668079                           N            10/01/32
    0
1

    8044945          E22/G02             F          114,000.00         ZZ
                                         360        114,000.00          1
                                       6.750            739.40         35
                                       6.500            739.40
    BONITA           CA   91902          2            09/11/02         00
    0414717231                           05           11/01/02          0
    0414717231                           N            10/01/32
    0

    8044957          E22/G02             F          243,049.00         ZZ
                                         360        243,049.00          1
                                       6.625          1,556.27         95
                                       6.375          1,556.27
    GARDNERVILLE     NV   89410          1            09/13/02         01
    0414737155                           05           11/01/02         35
    0414737155                           O            10/01/32
    0

    8044965          E22/G02             F          152,100.00         ZZ
                                         360        152,100.00          1
                                       6.750            986.52         73
                                       6.500            986.52
    AUSTIN           TX   78731          5            09/12/02         00
    0414748608                           05           11/01/02          0
    0414748608                           O            10/01/32
    0

    8044971          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       7.250            682.18         76
                                       7.000            682.18
    MIDVALE          UT   84047          5            09/11/02         00
    0414752485                           01           11/01/02          0
    0414752485                           N            10/01/32
    0

    8044987          E22/G02             F           56,000.00         ZZ
                                         360         56,000.00          1
                                       6.875            367.88         61
                                       6.625            367.88
    LOUISVILLE       KY   40213          5            09/12/02         00
    0414771717                           05           11/01/02          0
    0414771717                           O            10/01/32
    0

    8044993          E22/G02             F          148,000.00         ZZ
                                         360        148,000.00          1
1

                                       6.500            935.46        100
                                       6.250            935.46
    OAK HARBOR       WA   98277          2            09/06/02         04
    0414780262                           03           11/01/02         35
    0414780262                           O            10/01/32
    0

    8045015          E22/G02             F          101,200.00         ZZ
                                         360        101,200.00          2
                                       6.625            647.99         80
                                       6.375            647.99
    LACEY            WA   98503          1            09/09/02         00
    0414802611                           05           11/01/02          0
    0414802611                           O            10/01/32
    0

    8045017          E22/G02             F          208,800.00         ZZ
                                         360        208,800.00          1
                                       6.875          1,371.67         90
                                       6.625          1,371.67
    WEST PALM BEACH  FL   33412          1            09/17/02         04
    0414804187                           03           11/01/02         30
    0414804187                           O            10/01/32
    0

    8045299          E57/G02             F          102,000.00         ZZ
                                         360        102,000.00          1
                                       6.625            653.12         63
                                       6.375            653.12
    COVINA AREA      CA   91722          1            09/06/02         00
    0434636296                           01           11/01/02          0
    06009568                             O            10/01/32
    0

    8045745          U05/G02             F          127,300.00         ZZ
                                         360        127,300.00          2
                                       6.625            815.12         67
                                       6.375            815.12
    PORTLAND         OR   97221          5            09/09/02         00
    0434614426                           05           11/01/02          0
    3257093                              O            10/01/32
    0

    8045773          U05/G02             F          334,500.00         ZZ
                                         360        334,263.91          4
                                       7.750          2,396.40         75
                                       7.500          2,396.40
    BELLFLOWER       CA   90706          1            08/23/02         00
    0434637286                           05           10/01/02          0
1

    3252958                              N            09/01/32
    0

    8045811          950/G02             F          143,910.00         ZZ
                                         360        143,786.09          1
                                       6.750            933.40         90
                                       6.500            933.40
    SEATTLE          WA   98168          1            09/04/02         14
    0434622759                           05           10/01/02         25
    EW208401                             O            09/01/32
    0

    8045857          W93/G02             F          192,200.00         ZZ
                                         360        192,200.00          1
                                       6.875          1,262.62         80
                                       6.625          1,262.62
    BAKERSFIELD      CA   93312          1            09/05/02         00
    0434612073                           05           11/01/02          0
    67402371                             O            10/01/32
    0

    8045993          N47/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.750          1,297.20         80
                                       6.500          1,297.20
    MARTINEZ         CA   94553          1            09/12/02         00
    0434618567                           05           11/01/02          0
    20221769                             N            10/01/32
    0

    8046013          N74/G02             F          137,750.00         ZZ
                                         360        137,750.00          1
                                       6.625            882.03         95
                                       6.375            882.03
    JAMESTOWN        NC   27282          2            09/10/02         10
    0434624433                           05           11/01/02         30
    0030713010                           O            10/01/32
    0

    8046035          N46/G02             F          101,500.00         ZZ
                                         360        101,500.00          1
                                       6.625            649.92         80
                                       6.375            649.92
    RALEIGH          NC   27605          1            09/17/02         00
    0434632030                           01           11/01/02          0
    90743301                             N            10/01/32
    0

1

    8046071          Q14/G02             F           54,000.00         ZZ
                                         360         54,000.00          1
                                       6.875            354.74         80
                                       6.625            354.74
    KANSAS CITY      MO   64117          1            09/16/02         00
    0434610325                           05           11/01/02          0
    0209094                              O            10/01/32
    0

    8046093          Q87/G02             F           86,800.00         ZZ
                                         360         86,728.85          1
                                       7.000            577.48         80
                                       6.750            577.48
    KERRVILLE        TX   78028          5            08/30/02         00
    0434633251                           05           10/05/02          0
    BOJA03                               O            09/05/32
    0

    8046097          X64/G02             F          230,000.00         ZZ
                                         360        230,000.00          1
                                       6.500          1,453.76         46
                                       6.250          1,453.76
    PLYMOUTH         MI   48170          5            09/06/02         00
    0434613717                           05           11/01/02          0
    9348141                              O            10/01/32
    0

    8046109          E47/G02             F          186,000.00         ZZ
                                         360        186,000.00          1
                                       7.000          1,237.46         80
                                       6.750          1,237.46
    NAPLES           FL   34119          1            09/06/02         00
    0434619011                           07           11/01/02          0
    7342010085                           O            10/01/32
    0

    8046173          K15/G02             F          235,000.00         ZZ
                                         360        235,000.00          2
                                       6.750          1,524.21         79
                                       6.500          1,524.21
    BROOKLYN         NY   11238          5            09/10/02         00
    0434619326                           05           11/01/02          0
    011105300240                         O            10/01/32
    0

    8046177          883/G02             F           98,000.00         ZZ
                                         360         98,000.00          1
                                       6.625            627.50         45
                                       6.375            627.50
1

    JACKSONVILLE     FL   32226          5            09/06/02         00
    0434641650                           05           11/01/02          0
    05018450                             O            10/01/32
    0

    8046303          E76/G02             F          209,000.00         ZZ
                                         360        209,000.00          1
                                       6.375          1,303.89         95
                                       6.125          1,303.89
    SARASOTA         FL   34239          1            09/16/02         04
    0434616884                           03           11/01/02         30
    10017019                             O            10/01/32
    0

    8046485          E47/G02             F          235,500.00         ZZ
                                         360        235,500.00          3
                                       7.125          1,586.61         80
                                       6.875          1,586.61
    CHICAGO          IL   60639          2            09/03/02         00
    0434625216                           05           11/01/02          0
    7360513965                           O            10/01/32
    0

    8046649          K79/G02             F          201,750.00         ZZ
                                         360        201,750.00          1
                                       6.500          1,275.20         77
                                       6.250          1,275.20
    HUDSON           MA   01749          1            09/16/02         00
    0434620480                           05           11/01/02          0
    15224                                O            10/01/32
    0

    8046739          G34/G02             F          142,110.00         ZZ
                                         360        142,110.00          1
                                       6.500            898.23         90
                                       6.250            898.23
    FORT WORTH       TX   76137          1            09/17/02         04
    0434620407                           03           11/01/02         25
    85206905                             O            10/01/32
    0

    8047389          H58/G02             F          245,000.00         ZZ
                                         360        245,000.00          1
                                       6.500          1,548.57         45
                                       6.250          1,548.57
    SAN RAMON        CA   94583          5            09/03/02         00
    0434614467                           05           11/01/02          0
    106839                               O            10/01/32
    0
1

    8047459          T44/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.875            762.04         65
                                       6.625            762.04
    HENDERSON        NV   89014          2            09/06/02         00
    0434616959                           03           11/01/02          0
    1051399                              N            10/01/32
    0

    8047865          E82/G02             F          111,800.00         T
                                         360        111,800.00          1
                                       6.750            725.13         78
                                       6.500            725.13
    SONORA           CA   95370          2            09/12/02         00
    0400685806                           05           11/01/02          0
    3890461                              O            10/01/32
    0

    8047867          E82/G02             F           70,500.00         ZZ
                                         360         70,500.00          1
                                       6.750            457.26         52
                                       6.500            457.26
    EUGENE           OR   97404          2            09/17/02         00
    0400682316                           05           11/01/02          0
    1741052                              N            10/01/32
    0

    8047905          E82/G02             F           99,500.00         ZZ
                                         360         99,500.00          1
                                       6.625            637.11         62
                                       6.375            637.11
    ERDENHEIM        PA   19038          2            09/13/02         00
    0400691028                           05           11/01/02          0
    1849967                              O            10/01/32
    0

    8047919          E82/G02             F          109,300.00         ZZ
                                         360        109,300.00          1
                                       6.500            690.85         34
                                       6.250            690.85
    SALISBURY        CT   06068          2            09/16/02         00
    0400675161                           05           11/01/02          0
    1661538                              O            10/01/32
    0

    8048085          E22/G02             F          161,500.00         ZZ
                                         360        161,500.00          1
1

                                       7.375          1,115.44         95
                                       7.125          1,115.44
    GRAND JUNCTION   CO   81504          5            09/13/02         01
    0414730374                           03           11/01/02         30
    0414730374                           O            10/01/32
    0

    8048087          E22/G02             F           83,800.00         ZZ
                                         360         83,800.00          1
                                       6.875            550.51         80
                                       6.625            550.51
    WAKE FOREST      NC   27587          2            09/13/02         00
    0414730523                           03           11/01/02          0
    0414730523                           O            10/01/32
    0

    8048103          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.875            591.24         84
                                       6.625            591.24
    MIDDLETON        ID   83644          2            09/12/02         01
    0414750455                           03           11/01/02          6
    0414750455                           O            10/01/32
    0

    8048119          E22/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.875            788.31         80
                                       6.625            788.31
    HOUSTON          TX   77077          5            09/16/02         00
    0414769109                           03           11/01/02          0
    0414769109                           N            10/01/32
    0

    8048123          E22/G02             F           95,200.00         ZZ
                                         360         95,200.00          1
                                       7.000            633.37         85
                                       6.750            633.37
    EDEN             VT   05652          1            09/18/02         04
    0414775585                           05           11/01/02         12
    0414775585                           O            10/01/32
    0

    8048127          E22/G02             F          120,000.00         ZZ
                                         240        120,000.00          1
                                       6.625            903.54         60
                                       6.375            903.54
    FORT COLLINS     CO   80526          5            09/13/02         00
    0414790717                           05           11/01/02          0
1

    0414790717                           O            10/01/22
    0

    8048153          E22/G02             F          216,000.00         ZZ
                                         360        216,000.00          1
                                       7.000          1,437.05         90
                                       6.750          1,437.05
    DES PLAINES      IL   60018          1            09/18/02         04
    0414820837                           05           11/01/02         30
    0414820837                           O            10/01/32
    0

    8048191          E22/G02             F          152,500.00         ZZ
                                         360        152,500.00          1
                                       6.500            963.90         77
                                       6.250            963.90
    CASTLE ROCK      CO   80104          5            09/13/02         00
    0414849141                           05           11/01/02          0
    0414849141                           O            10/01/32
    0

    8048197          E22/G02             F          143,200.00         ZZ
                                         360        143,200.00          1
                                       6.750            928.79         80
                                       6.500            928.79
    BAYTOWN          TX   77520          5            09/11/02         00
    0414859181                           03           11/01/02          0
    0414859181                           O            10/01/32
    0

    8048203          E22/G02             F          142,600.00         ZZ
                                         360        142,600.00          1
                                       6.375            889.64         74
                                       6.125            889.64
    LOXAHATCHEE      FL   33470          5            09/13/02         00
    0414866764                           05           11/01/02          0
    0414866764                           O            10/01/32
    0

    8048209          E22/G02             F          234,500.00         T
                                         360        234,500.00          1
                                       6.875          1,540.50         70
                                       6.625          1,540.50
    SCOTTS VALLEY    CA   95066          1            09/09/02         00
    0414872077                           05           11/01/02          0
    0414872077                           O            10/01/32
    0

1

    8048211          E22/G02             F          102,400.00         ZZ
                                         360        102,400.00          1
                                       6.875            672.70         80
                                       6.625            672.70
    TRAVERSE CITY    MI   49684          5            09/13/02         00
    0414877167                           05           11/01/02          0
    0414877167                           O            10/01/32
    0

    8048217          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.875            683.21         80
                                       6.625            683.21
    FRUITA           CO   81521          5            09/13/02         00
    0414881110                           05           11/01/02          0
    0414881110                           O            10/01/32
    0

    8048235          E22/G02             F          189,600.00         ZZ
                                         360        189,600.00          1
                                       6.750          1,229.74         80
                                       6.500          1,229.74
    ROANOKE          VA   24015          5            09/13/02         00
    0414898288                           05           11/01/02          0
    0414898288                           O            10/01/32
    0

    8048255          E22/G02             F           69,600.00         ZZ
                                         360         69,600.00          1
                                       6.625            445.66         80
                                       6.375            445.66
    FORT MILL        SC   29715          1            09/18/02         00
    0414931360                           01           11/01/02          0
    0414931360                           O            10/01/32
    0

    8048263          E22/G02             F          182,000.00         ZZ
                                         360        182,000.00          1
                                       6.375          1,135.44         80
                                       6.125          1,135.44
    WELLINGTON       FL   33414          2            09/13/02         00
    0414936203                           05           11/01/02          0
    0414936203                           O            10/01/32
    0

    8048267          E22/G02             F           65,000.00         ZZ
                                         360         65,000.00          1
                                       6.375            405.52         51
                                       6.125            405.52
1

    PERRYVILLE       MO   63775          1            09/18/02         00
    0414947648                           05           11/01/02          0
    0414947648                           O            10/01/32
    0

    8048293          E22/G02             F           62,000.00         ZZ
                                         360         62,000.00          1
                                       7.500            433.51         69
                                       7.250            433.51
    MARGATE          FL   33063          1            09/18/02         00
    0414959551                           01           11/01/02          0
    0414959551                           O            10/01/32
    0

    8048451          X67/G02             F          112,500.00         ZZ
                                         360        112,500.00          2
                                       7.375            777.01         90
                                       7.125            777.01
    DURHAM           NC   27707          1            09/06/02         26
    0434631933                           05           11/01/02         25
    00210053                             N            10/01/32
    0

    8048471          H58/G02             F          118,200.00         ZZ
                                         360        118,103.11          1
                                       7.000            786.39         52
                                       6.500            786.39
    GRANTS PASS      OR   97527          2            08/12/02         00
    0434591962                           05           10/01/02          0
    101924                               O            09/01/32
    0

    8048481          H58/G02             F          110,000.00         ZZ
                                         360        109,909.84          1
                                       7.000            731.83         53
                                       6.500            731.83
    LAKE STEVENS     WA   98258          5            08/12/02         00
    0434592044                           05           10/01/02          0
    103147                               O            09/01/32
    0

    8048489          H58/G02             F          200,000.00         T
                                         360        199,827.80          1
                                       6.750          1,297.20         80
                                       6.250          1,297.20
    NANCOTTA         WA   98637          1            08/14/02         00
    0434592085                           05           10/01/02          0
    104298                               O            09/01/32
    0
1

    8048531          H58/G02             F          221,600.00         ZZ
                                         360        221,404.49          1
                                       6.625          1,418.93         80
                                       6.125          1,418.93
    SPARKS           NV   89436          1            08/12/02         00
    0434592234                           03           10/01/02          0
    105454                               O            09/01/32
    0

    8048537          H58/G02             F          154,000.00         ZZ
                                         360        153,882.82          1
                                       7.375          1,063.64         71
                                       6.875          1,063.64
    ROSEVILLE        CA   95661          5            08/16/02         00
    0434592275                           05           10/01/02          0
    105634                               N            09/01/32
    0

    8048539          H58/G02             F          114,400.00         ZZ
                                         360        114,312.95          1
                                       7.375            790.13         80
                                       6.875            790.13
    BEND             OR   97701          1            08/13/02         00
    0434592283                           05           10/01/02          0
    105772                               N            09/01/32
    0

    8048547          H58/G02             F          142,300.00         ZZ
                                         360        142,174.45          1
                                       6.625            911.16         80
                                       6.125            911.16
    HILLSBORO        OR   97124          1            08/14/02         00
    0434592325                           03           10/01/02          0
    105907                               O            09/01/32
    0

    8048561          H58/G02             F          222,800.00         ZZ
                                         360        222,634.65          1
                                       7.500          1,557.85         80
                                       7.000          1,557.85
    PORTLAND         OR   97221          1            08/14/02         00
    0434592432                           05           10/01/02          0
    106347                               O            09/01/32
    0

    8048565          H58/G02             F          270,000.00         ZZ
                                         360        269,767.53          1
1

                                       6.750          1,751.21         80
                                       6.250          1,751.21
    VACAVILLE        CA   95687          1            08/12/02         00
    0434592465                           05           10/01/02          0
    106464                               O            09/01/32
    0

    8048573          H58/G02             F          300,000.00         ZZ
                                         360        299,728.80          1
                                       6.500          1,896.20         80
                                       6.000          1,896.20
    ELK GROVE        CA   95624          2            08/09/02         00
    0434592515                           05           10/01/02          0
    106559                               O            09/01/32
    0

    8048593          H58/G02             F          165,000.00         ZZ
                                         360        164,854.43          1
                                       6.625          1,056.51         80
                                       6.125          1,056.51
    OREGON CITY      OR   97045          1            08/14/02         00
    0434592689                           05           10/01/02          0
    107570                               O            09/01/32
    0

    8048595          H58/G02             F          147,600.00         T
                                         360        147,469.77          1
                                       6.625            945.10         80
                                       6.125            945.10
    BRINNON          WA   98320          1            08/14/02         00
    0434592721                           05           10/01/02          0
    107581                               O            09/01/32
    0

    8048647          950/G02             F           77,000.00         ZZ
                                         360         76,932.06          1
                                       6.625            493.04         57
                                       6.375            493.04
    KING CITY        OR   97224          1            08/26/02         00
    0434635488                           09           10/01/02          0
    Y6206004                             O            09/01/32
    0

    8049179          W02/G02             F           72,000.00         ZZ
                                         360         71,936.47          1
                                       6.625            461.03         90
                                       6.375            461.03
    CLEARWATER       FL   33763          5            08/27/02         12
    0434643979                           05           10/01/02         25
1

    1001423027                           O            09/01/32
    0

    8049271          P44/G02             F          203,400.00         ZZ
                                         360        203,400.00          1
                                       6.875          1,336.19         90
                                       6.625          1,336.19
    NAPLES           FL   34110          1            09/16/02         10
    0434626560                           05           11/01/02         25
    0012110                              O            10/01/32
    0

    8049623          N47/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.500          1,896.20         65
                                       6.250          1,896.20
    FAIRFAX          CA   94930          2            09/01/02         00
    0434622486                           05           11/01/02          0
    20221389                             O            10/01/32
    0

    8049639          N47/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.750            875.61         41
                                       6.500            875.61
    MARTINEZ         CA   94553          5            09/12/02         00
    0434618641                           05           11/01/02          0
    20221444                             O            10/01/32
    0

    8049645          E11/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       7.000          1,995.91         78
                                       6.750          1,995.91
    ORONO            MN   55391          1            09/12/02         00
    0434615720                           05           11/01/02          0
    0008001047390                        N            10/01/32
    0

    8049671          W02/G02             F           63,000.00         ZZ
                                         360         62,948.35          2
                                       7.000            419.15         90
                                       6.750            419.15
    ST PETERSBURG    FL   33713          5            08/26/02         12
    0434642724                           05           10/01/02         30
    1001446194                           O            09/01/32
    0

1

    8049707          E65/G02             F           52,110.00         ZZ
                                         360         52,110.00          2
                                       7.500            364.36         90
                                       7.250            364.36
    FLINT            MI   48506          1            09/18/02         11
    0434649083                           05           11/01/02         25
    250101                               N            10/01/32
    0

    8049977          W93/G02             F           89,600.00         ZZ
                                         360         89,600.00          1
                                       6.750            581.15         80
                                       6.500            581.15
    SUN CITY         AZ   85373          1            09/16/02         00
    0434620688                           03           11/01/02          0
    1                                    O            10/01/32
    0

    8050055          967/G02             F          239,000.00         ZZ
                                         360        239,000.00          1
                                       6.750          1,550.15         68
                                       6.500          1,550.15
    GILBERT          AZ   85233          2            09/09/02         00
    0434633582                           05           11/01/02          0
    5641204                              O            10/01/32
    0

    8050067          W93/G02             F          106,150.00         ZZ
                                         360        106,150.00          1
                                       6.625            679.69         80
                                       6.375            679.69
    SALEM            OR   97305          1            09/11/02         00
    0434626149                           05           11/01/02          0
    37384265                             O            10/01/32
    0

    8050135          W53/G02             F          187,200.00         ZZ
                                         360        186,884.54          1
                                       6.875          1,229.78         90
                                       6.625          1,229.78
    NORTH BERGEN     NJ   07047          1            07/10/02         01
    0434615787                           05           09/01/02         30
    1101000661                           O            08/01/32
    0

    8050221          950/G02             F          164,000.00         ZZ
                                         360        163,851.74          1
                                       6.500          1,036.59         80
                                       6.250          1,036.59
1

    SEATTLE          WA   98105          1            08/30/02         00
    0434636205                           05           10/01/02          0
    EW208182                             O            09/01/32
    0

    8050253          E65/G02             F           61,440.00         ZZ
                                         360         61,384.46          1
                                       6.500            388.34         80
                                       6.250            388.34
    EASTPOINTE       MI   48021          1            09/04/02         00
    0434621124                           05           10/01/02          0
    251905                               N            09/01/32
    0

    8050263          950/G02             F          111,600.00         ZZ
                                         360        111,512.94          1
                                       7.250            761.31         80
                                       7.000            761.31
    KIRKLAND         WA   98033          1            08/26/02         00
    0434636437                           01           10/01/02          0
    E1208068                             N            09/01/32
    0

    8050387          696/G02             F          295,000.00         ZZ
                                         360        295,000.00          1
                                       6.500          1,864.60         80
                                       6.250          1,864.60
    GERMANTOWN       MD   20876          1            09/12/02         00
    0434674552                           03           11/01/02          0
    31202122                             O            10/01/32
    0

    8050773          A80/G02             F          241,600.00         ZZ
                                         360        241,600.00          4
                                       6.375          1,507.27         80
                                       6.125          1,507.27
    MIAMI            FL   33137          1            09/18/02         00
    0434624144                           05           11/01/02          0
    020831090                            N            10/01/32
    0

    8050851          E45/G02             F          113,600.00         ZZ
                                         360        113,515.69          1
                                       7.500            794.31         80
                                       7.250            794.31
    FORT LAUDERDALE  FL   33312          1            09/04/02         00
    0434638870                           05           10/01/02          0
    260439                               O            09/01/32
    0
1

    8050865          E45/G02             F          194,200.00         ZZ
                                         360        194,036.84          1
                                       6.875          1,275.76         80
                                       6.625          1,275.76
    VIRGINIA BEACH   VA   23456          1            08/28/02         00
    0434643862                           03           10/01/02          0
    268260                               O            09/01/32
    0

    8050867          Q14/G02             F          101,500.00         ZZ
                                         360        101,500.00          1
                                       6.875            666.78         89
                                       6.625            666.78
    BETTENDORF       IA   52722          5            09/13/02         01
    0434614830                           05           11/01/02         25
    02-08962                             O            10/01/32
    0

    8050927          420/G02             F          145,000.00         ZZ
                                         360        145,000.00          1
                                       6.500            916.50         31
                                       6.250            916.50
    CLOVERDALE       CA   95425          1            09/05/02         00
    0434614848                           05           11/01/02          0
    72003141                             O            10/01/32
    0

    8050937          E45/G02             F          148,000.00         ZZ
                                         360        147,890.16          1
                                       7.500          1,034.84         80
                                       7.250          1,034.84
    LOGANVILLE       GA   30052          2            08/26/02         00
    0434639043                           05           10/01/02          0
    211956                               O            09/01/32
    0

    8050941          E45/G02             F          105,000.00         ZZ
                                         360        104,905.08          1
                                       6.500            663.67         68
                                       6.250            663.67
    DANIA            FL   33004          1            09/04/02         00
    0434643987                           01           10/01/02          0
    276843                               O            09/01/32
    0

    8051021          E22/G02             F          229,900.00         ZZ
                                         360        229,900.00          1
1

                                       7.125          1,548.88         95
                                       6.875          1,548.88
    HOLLAND TOWNSHI  NJ   08848          1            09/19/02         01
    0414388124                           05           11/01/02         30
    0414388124                           O            10/01/32
    0

    8051033          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.500          1,264.14         75
                                       6.250          1,264.14
    AUBURN           CA   95603          1            09/17/02         00
    0414525493                           03           11/01/02          0
    0414525493                           O            10/01/32
    0

    8051045          E22/G02             F          189,800.00         ZZ
                                         360        189,800.00          1
                                       7.500          1,327.11         88
                                       7.250          1,327.11
    OROVILLE         CA   95966          5            09/06/02         01
    0414622928                           05           11/01/02         25
    0414622928                           O            10/01/32
    0

    8051057          E22/G02             F          136,400.00         ZZ
                                         360        136,400.00          4
                                       7.500            953.73         80
                                       7.250            953.73
    BOUTTE           LA   70039          1            09/19/02         00
    0414666305                           05           11/01/02          0
    0414666305                           N            10/01/32
    0

    8051061          E22/G02             F          136,400.00         ZZ
                                         360        136,400.00          4
                                       7.250            930.49         80
                                       7.000            930.49
    BOUTTE           LA   70039          1            09/19/02         00
    0414667808                           05           11/01/02          0
    0414667808                           N            10/01/32
    0

    8051071          E22/G02             F          118,000.00         ZZ
                                         360        118,000.00          1
                                       6.750            765.35         84
                                       6.500            765.35
    BEDFORD          KY   40006          2            09/14/02         01
    0414676189                           05           11/01/02         12
1

    0414676189                           O            10/01/32
    0

    8051279          E22/G02             F          124,400.00         T
                                         360        124,400.00          1
                                       6.625            796.55         80
                                       6.375            796.55
    MOAB             UT   84532          1            09/04/02         00
    0414824854                           09           11/01/02          0
    0414824854                           O            10/01/32
    0

    8051299          E22/G02             F          129,000.00         ZZ
                                         360        129,000.00          1
                                       6.625            826.00         78
                                       6.375            826.00
    COLORADO SPRING  CO   80918          2            09/19/02         00
    0414844993                           03           11/01/02          0
    0414844993                           N            10/01/32
    0

    8051343          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       7.250            613.96         73
                                       7.000            613.96
    CARROLLTON       TX   75006          1            09/19/02         00
    0414869867                           05           11/01/02          0
    0414869867                           O            10/01/32
    0

    8051359          E22/G02             F          110,400.00         ZZ
                                         360        110,400.00          1
                                       6.625            706.90         80
                                       6.375            706.90
    SPARKS           NV   89431          1            09/14/02         00
    0414882456                           05           11/01/02          0
    0414882456                           O            10/01/32
    0

    8051383          E22/G02             F           37,500.00         ZZ
                                         360         37,500.00          1
                                       7.375            259.00         28
                                       7.125            259.00
    KEAAU            HI   96742          1            09/16/02         00
    0414920686                           05           11/01/02          0
    0414920686                           O            10/01/32
    0

1

    8051401          E22/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       6.750            972.90         75
                                       6.500            972.90
    DRIGGS           ID   83422          1            09/13/02         00
    0414965988                           09           11/01/02          0
    0414965988                           N            10/01/32
    0

    8051405          E22/G02             F          126,400.00         ZZ
                                         360        126,400.00          1
                                       7.250            862.27         80
                                       7.000            862.27
    GRASS VALLEY     CA   95945          1            09/14/02         00
    0414969378                           05           11/01/02          0
    0414969378                           N            10/01/32
    0

    8051409          E22/G02             F          221,850.00         ZZ
                                         360        221,850.00          1
                                       6.375          1,384.06         90
                                       6.125          1,384.06
    COTATI           CA   94931          1            09/12/02         01
    0414978650                           03           11/01/02         25
    0414978650                           N            10/01/32
    0

    8051455          E22/G02             F          290,000.00         ZZ
                                         360        290,000.00          1
                                       6.500          1,833.00         56
                                       6.250          1,833.00
    LONG BRANCH      NJ   07740          5            09/13/02         00
    0414593566                           08           11/01/02          0
    0414593566                           O            10/01/32
    0

    8051463          E22/G02             F          225,000.00         T
                                         360        225,000.00          1
                                       6.750          1,459.35         78
                                       6.500          1,459.35
    HENRICO          NC   27842          2            09/19/02         00
    0414701854                           05           11/01/02          0
    0414701854                           O            10/01/32
    0

    8051857          K15/G02             F          142,500.00         ZZ
                                         360        142,500.00          1
                                       6.500            900.70         80
                                       6.250            900.70
1

    NAUGATUCK        CT   06770          5            09/12/02         00
    0434665550                           05           11/01/02          0
    037405300027                         O            10/01/32
    0

    8051971          742/G02             F           56,000.00         ZZ
                                         360         56,000.00          2
                                       7.125            377.28         80
                                       6.875            377.28
    SYRACUSE         NY   13207          1            09/13/02         00
    0434633897                           05           11/01/02          0
    5599147                              N            10/01/32
    0

    8052003          U05/G02             F           75,600.00         ZZ
                                         360         75,600.00          1
                                       6.875            496.64         80
                                       6.625            496.64
    EL PASO          TX   79936          5            09/10/02         00
    0434622056                           05           11/01/02          0
    3244641                              O            10/01/32
    0

    8052017          975/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.750            882.09         80
                                       6.500            882.09
    GARDEN GROVE     CA   92844          5            09/12/02         00
    0434641965                           01           11/01/02          0
    2023241                              O            10/01/32
    0

    8052023          742/G02             F          108,000.00         ZZ
                                         360        108,000.00          3
                                       7.250            736.75         90
                                       7.000            736.75
    BALLSTON SPA     NY   12020          1            09/12/02         11
    0434637401                           05           11/01/02         25
    8878886                              N            10/01/32
    0

    8052051          642/G02             F          238,000.00         ZZ
                                         360        238,000.00          1
                                       7.250          1,623.58         78
                                       7.000          1,623.58
    TOWANDA          PA   18848          5            09/11/02         00
    0434614954                           05           11/01/02          0
    08189002                             O            10/01/32
    0
1

    8052147          U05/G02             F          123,750.00         ZZ
                                         360        123,750.00          4
                                       6.625            792.38         90
                                       6.375            792.38
    WILMINGTON       DE   19801          1            09/05/02         04
    0434666889                           05           11/01/02         25
    3259900                              N            10/01/32
    0

    8052161          253/253             F           90,155.00         ZZ
                                         360         90,077.38          1
                                       6.750            584.74         95
                                       6.500            584.74
    WHEATRIDGE       CO   80212          1            08/22/02         19
    422020                               01           10/01/02         30
    422020                               O            09/01/32
    0

    8052217          U97/G02             F          210,000.00         ZZ
                                         360        210,000.00          1
                                       6.500          1,327.34         75
                                       6.250          1,327.34
    SAN DIEGO        CA   92139          5            09/13/02         00
    0434666913                           05           11/01/02          0
    7287746                              O            10/01/32
    0

    8052295          B44/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       7.000          1,995.91         75
                                       6.750          1,995.91
    SUISUN CITY      CA   94585          1            09/03/02         00
    0434638342                           05           11/01/02          0
    3020267                              O            10/01/32
    0

    8052363          W08/G02             F          157,500.00         T
                                         360        157,500.00          1
                                       7.250          1,074.43         70
                                       7.000          1,074.43
    KEY LARGO        FL   33037          1            09/18/02         00
    0434635314                           27           11/01/02          0
    021706MG                             O            10/01/32
    0

    8052581          562/G02             F          189,000.00         ZZ
                                         360        189,000.00          1
1

                                       6.875          1,241.60         76
                                       6.625          1,241.60
    TEANECK          NJ   07666          5            09/16/02         00
    0434635785                           05           11/01/02          0
    297043979                            O            10/01/32
    0

    8052731          X07/G02             F          131,400.00         ZZ
                                         360        131,400.00          1
                                       6.625            841.37         36
                                       6.375            841.37
    WAUKESHA         WI   53189          2            09/16/02         00
    0434637526                           05           11/01/02          0
    6910000706                           O            10/01/32
    0

    8052877          U05/G02             F          123,750.00         ZZ
                                         360        123,750.00          4
                                       6.625            792.38         90
                                       6.375            792.38
    WILMINGTON       DE   19801          1            09/05/02         10
    0434606885                           05           11/01/02         25
    3259906                              N            10/01/32
    0

    8052973          E47/G02             F           52,000.00         ZZ
                                         360         52,000.00          1
                                       7.500            363.59         80
                                       7.250            363.59
    TAMPA            FL   33612          1            09/05/02         00
    0434633814                           05           11/01/02          0
    7361012733                           N            10/01/32
    0

    8053005          E45/G02             F          116,000.00         ZZ
                                         360        115,895.13          1
                                       6.500            733.20         65
                                       6.250            733.20
    HENDERSON        NV   89012          2            08/23/02         00
    0434639928                           03           10/01/02          0
    248967                               O            09/01/32
    0

    8053009          A50/G02             F           90,300.00         ZZ
                                         360         90,225.98          1
                                       7.000            600.77         70
                                       6.750            600.77
    BIRMINGHAM       AL   35235          2            08/06/02         00
    0434631784                           05           10/01/02          0
1

    847418                               O            09/01/32
    0

    8053069          588/G02             F          163,000.00         ZZ
                                         360        162,625.02          1
                                       7.375          1,125.80         74
                                       7.125          1,125.80
    CHERRY HILL TOW  NJ   08003          1            06/26/02         00
    0434674396                           05           08/01/02          0
    1062840                              O            07/01/32
    0

    8053113          944/G02             F          285,000.00         ZZ
                                         360        285,000.00          1
                                       6.375          1,778.03         46
                                       6.125          1,778.03
    FOUNTAIN VALLEY  CA   92708          5            09/05/02         00
    0434643334                           05           11/01/02          0
    W02025375                            O            10/01/32
    0

    8053213          U05/G02             F          284,400.00         ZZ
                                         360        284,166.88          3
                                       7.000          1,892.12         80
                                       6.750          1,892.12
    AUBURN           CA   95603          1            08/30/02         00
    0434622023                           05           10/01/02          0
    3255040                              N            09/01/32
    0

    8053455          E22/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       7.250            982.33         80
                                       7.000            982.33
    RAMAPO           NY   10977          1            09/20/02         00
    0414566778                           05           11/01/02          0
    0414566778                           O            10/01/32
    0

    8053463          E22/G02             F           65,000.00         ZZ
                                         360         65,000.00          1
                                       6.750            421.59         46
                                       6.500            421.59
    ROYAL OAK        MI   48073          5            09/20/02         00
    0414633834                           05           11/01/02          0
    0414633834                           N            10/01/32
    0

1

    8053481          E22/G02             F          187,500.00         ZZ
                                         360        187,500.00          1
                                       6.375          1,169.76         56
                                       6.125          1,169.76
    SHINGLE SPRINGS  CA   95682          5            09/11/02         00
    0414690776                           05           11/01/02          0
    0414690776                           O            10/01/32
    0

    8053519          E22/G02             F          203,000.00         ZZ
                                         360        203,000.00          1
                                       6.750          1,316.65         77
                                       6.500          1,316.65
    TORRINGTON       CT   06790          5            09/16/02         00
    0414762344                           05           11/01/02          0
    0414762344                           O            10/01/32
    0

    8053537          E22/G02             F          180,800.00         ZZ
                                         360        180,800.00          1
                                       6.500          1,142.78         80
                                       6.250          1,142.78
    GRANADA HILLS (  CA   91344          1            09/12/02         00
    0414785964                           05           11/01/02          0
    0414785964                           O            10/01/32
    0

    8053551          E22/G02             F          253,800.00         ZZ
                                         360        253,800.00          1
                                       6.875          1,667.29         90
                                       6.625          1,667.29
    LAKE WORTH       FL   33467          1            09/19/02         01
    0414797860                           03           11/01/02         25
    0414797860                           O            10/01/32
    0

    8053555          E22/G02             F           95,625.00         ZZ
                                         360         95,625.00          3
                                       7.250            652.33         90
                                       7.000            652.33
    ALBUQUERQUE      NM   87108          1            09/20/02         01
    0414801498                           05           11/01/02         25
    0414801498                           N            10/01/32
    0

    8053559          E22/G02             F           31,500.00         ZZ
                                         360         31,500.00          1
                                       6.875            206.93         90
                                       6.625            206.93
1

    ASHTABULA        OH   44004          1            09/20/02         04
    0414819110                           05           11/01/02         25
    0414819110                           N            10/01/32
    0

    8053635          E22/G02             F          208,000.00         ZZ
                                         360        208,000.00          1
                                       7.375          1,436.60         95
                                       7.125          1,436.60
    FAIRVIEW         NC   28730          5            09/16/02         01
    0414881078                           05           11/01/02         30
    0414881078                           O            10/01/32
    0

    8053639          E22/G02             F          142,200.00         ZZ
                                         360        142,200.00          1
                                       7.000            946.06         90
                                       6.750            946.06
    BEMIDJI          MN   56601          5            09/16/02         01
    0414886036                           05           11/01/02         25
    0414886036                           O            10/01/32
    0

    8053649          E22/G02             F           60,750.00         ZZ
                                         360         60,750.00          1
                                       7.500            424.77         90
                                       7.250            424.77
    MIAMI            FL   33176          1            09/20/02         04
    0414889964                           07           11/01/02         25
    0414889964                           N            10/01/32
    0

    8053651          E22/G02             F           53,910.00         T
                                         360         53,910.00          1
                                       7.250            367.76         90
                                       7.000            367.76
    HOUSTON          TX   77058          1            09/17/02         01
    0414890954                           01           11/01/02         25
    0414890954                           O            10/01/32
    0

    8053683          E22/G02             F          248,000.00         ZZ
                                         360        248,000.00          1
                                       6.500          1,567.53         80
                                       6.250          1,567.53
    UNION CITY       CA   94587          5            09/12/02         00
    0414922120                           09           11/01/02          0
    0414922120                           O            10/01/32
    0
1

    8053693          E22/G02             F           94,400.00         ZZ
                                         360         94,400.00          1
                                       6.875            620.14         80
                                       6.625            620.14
    DALLAS           TX   75287          1            09/20/02         00
    0414934273                           09           11/01/02          0
    0414934273                           O            10/01/32
    0

    8053701          E22/G02             F           95,600.00         ZZ
                                         360         95,600.00          3
                                       7.250            652.16         90
                                       7.000            652.16
    ALBUQUERQUE      NM   87108          1            09/20/02         01
    0418053701                           05           11/01/02         25
    0414945832                           N            10/01/32
    0

    8053713          E22/G02             F          110,700.00         ZZ
                                         360        110,700.00          1
                                       6.375            690.62         90
                                       6.125            690.62
    KENNER           LA   70065          1            09/20/02         01
    0414987081                           05           11/01/02         25
    0414987081                           O            10/01/32
    0

    8053719          E22/G02             F          177,900.00         ZZ
                                         360        177,900.00          1
                                       7.125          1,198.55         90
                                       6.875          1,198.55
    ROCKLIN          CA   95765          1            09/17/02         01
    0415021013                           01           11/01/02         25
    0415021013                           N            10/01/32
    0

    8053721          E22/G02             F           68,625.00         ZZ
                                         360         68,625.00          1
                                       6.875            450.82         75
                                       6.625            450.82
    RICHARDSON       TX   75080          1            09/20/02         00
    0415040963                           05           11/01/02          0
    0415040963                           N            10/01/32
    0

    8054273          E45/G02             F          120,000.00         ZZ
                                         360        119,894.13          1
1

                                       6.625            768.37         60
                                       6.375            768.37
    POMPANO BEACH    FL   33062          1            08/30/02         00
    0434642575                           06           10/01/02          0
    258440                               O            09/01/32
    0

    8054589          E45/G02             F          215,000.00         ZZ
                                         360        214,823.77          1
                                       7.000          1,430.40         70
                                       6.750          1,430.40
    JACKSONVILLE BE  FL   32250          5            08/26/02         00
    0434638516                           05           10/01/02          0
    278690                               O            09/01/32
    0

    8054631          Q30/G02             F          292,000.00         ZZ
                                         360        292,000.00          1
                                       7.250          1,991.95         90
                                       7.000          1,991.95
    SOUTH OZONE PAR  NY   11420          1            09/13/02         10
    0434635256                           05           11/01/02         30
    2101544                              O            10/01/32
    0

    8054635          X67/G02             F          246,000.00         ZZ
                                         360        246,000.00          1
                                       6.500          1,554.89         79
                                       6.250          1,554.89
    CENTENNIAL       CO   80015          5            09/09/02         00
    0434635074                           05           11/01/02          0
    00269351                             O            10/01/32
    0

    8054771          642/G02             F          143,200.00         ZZ
                                         360        143,200.00          1
                                       6.750            928.79         80
                                       6.500            928.79
    EASTON           MA   02375          1            09/12/02         00
    0434637500                           01           11/01/02          0
    08182402                             O            10/01/32
    0

    8054967          742/G02             F           47,200.00         ZZ
                                         360         47,200.00          2
                                       6.875            310.07         80
                                       6.625            310.07
    SYRACUSE         NY   13207          1            09/13/02         00
    0434642674                           05           11/01/02          0
1

    5665526                              N            10/01/32
    0

    8055013          742/G02             F           73,600.00         ZZ
                                         360         73,600.00          2
                                       6.875            483.50         80
                                       6.625            483.50
    SYRACUSE         NY   13203          1            09/13/02         00
    0434650602                           05           11/01/02          0
    5585781                              N            10/01/32
    0

    8055061          E47/G02             F          110,000.00         ZZ
                                         360        110,000.00          1
                                       7.375            759.74         59
                                       7.125            759.74
    MODESTO          CA   95350          5            09/03/02         00
    0434640645                           05           11/01/02          0
    7359520037                           N            10/01/32
    0

    8055253          E11/G02             F          130,400.00         ZZ
                                         360        130,400.00          1
                                       7.125            878.53         80
                                       6.875            878.53
    LINWOOD          MN   55092          1            09/16/02         00
    0434636718                           05           11/01/02          0
    1                                    O            10/01/32
    0

    8055365          A52/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       7.125            970.15         80
                                       6.875            970.15
    STONE MOUNTAIN   GA   30083          2            09/13/02         00
    0434622270                           05           11/01/02          0
    20831                                N            10/01/32
    0

    8055713          G27/G02             F          119,000.00         ZZ
                                         360        119,000.00          1
                                       6.875            781.75         77
                                       6.625            781.75
    TURLOCK          CA   95380          5            09/04/02         00
    0434638037                           05           11/01/02          0
    10002042                             O            10/01/32
    0

1

    8055721          642/G02             F          172,000.00         ZZ
                                         360        172,000.00          2
                                       7.375          1,187.96         86
                                       7.125          1,187.96
    BEREA            KY   40403          2            09/16/02         11
    0434637781                           05           11/01/02         25
    08104102                             N            10/01/32
    0

    8055773          642/G02             F          288,000.00         ZZ
                                         360        288,000.00          1
                                       6.250          1,773.27         80
                                       6.000          1,773.27
    COSTA MESA       CA   92626          1            09/10/02         00
    0434637583                           05           11/01/02          0
    09101902                             O            10/01/32
    0

    8055797          883/G02             F          147,250.00         ZZ
                                         360        147,250.00          1
                                       6.750            955.06         95
                                       6.500            955.06
    ATLANTA          GA   30315          1            09/16/02         10
    0434667325                           05           11/01/02         30
    05018538                             O            10/01/32
    0

    8055933          S11/G02             F          175,200.00         T
                                         360        175,200.00          1
                                       6.625          1,121.82         75
                                       6.375          1,121.82
    BIG BEAR LAKE    CA   92315          1            09/04/02         00
    0434649372                           05           11/01/02          0
    10209108                             O            10/01/32
    0

    8055939          A52/G02             F           80,400.00         ZZ
                                         360         80,400.00          1
                                       6.500            508.18         62
                                       6.250            508.18
    WOODSTOCK        GA   30188          5            09/13/02         00
    0434622601                           05           11/01/02          0
    20842                                O            10/01/32
    0

    8057071          E22/G02             F          163,800.00         ZZ
                                         360        163,800.00          2
                                       6.750          1,062.40         71
                                       6.500          1,062.40
1

    RANCHO CORDOVA   CA   95670          5            09/12/02         00
    0414443614                           05           11/01/02          0
    0414443614                           O            10/01/32
    0

    8057091          E22/G02             F          235,450.00         ZZ
                                         360        235,450.00          1
                                       6.750          1,527.12         85
                                       6.500          1,527.12
    ANAHEIM          CA   92802          5            09/04/02         11
    0414607366                           05           11/01/02         12
    0414607366                           O            10/01/32
    0

    8057145          E22/G02             F          283,000.00         ZZ
                                         360        283,000.00          1
                                       6.500          1,788.75         71
                                       6.250          1,788.75
    BROOKLYN         NY   11234          2            09/17/02         00
    0414706556                           07           11/01/02          0
    0414706556                           O            10/01/32
    0

    8057169          E22/G02             F          288,000.00         ZZ
                                         360        288,000.00          1
                                       6.750          1,867.96         80
                                       6.500          1,867.96
    RENTON           WA   98055          5            09/16/02         00
    0414752329                           05           11/01/02          0
    0414752329                           O            10/01/32
    0

    8057171          E22/G02             F           75,800.00         ZZ
                                         360         75,800.00          1
                                       6.750            491.64         80
                                       6.500            491.64
    MANSFIELD        TX   76016          5            09/18/02         00
    0414756221                           05           11/01/02          0
    0414756221                           O            10/01/32
    0

    8057215          E22/G02             F          206,000.00         ZZ
                                         360        206,000.00          1
                                       6.750          1,336.11         90
                                       6.500          1,336.11
    MANTECA          CA   95336          2            09/06/02         01
    0414821694                           05           11/01/02         25
    0414821694                           O            10/01/32
    0
1

    8057227          E22/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       7.250            927.76         80
                                       7.000            927.76
    AMERICAN FORK    UT   84003          5            09/18/02         00
    0414831594                           05           11/01/02          0
    0414831594                           O            10/01/32
    0

    8057233          E22/G02             F          153,000.00         ZZ
                                         360        153,000.00          1
                                       6.875          1,005.10         64
                                       6.625          1,005.10
    FLORISSANT       CO   80816          5            09/18/02         00
    0414836502                           03           11/01/02          0
    0414836502                           O            10/01/32
    0

    8057239          E22/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       7.125            404.23         69
                                       6.875            404.23
    PUEBLO           CO   81006          5            09/23/02         00
    0414844803                           05           11/01/02          0
    0414844803                           N            10/01/32
    0

    8057269          E22/G02             F          117,900.00         ZZ
                                         360        117,900.00          1
                                       6.625            754.93         90
                                       6.375            754.93
    EUGENE           OR   97401          1            09/18/02         04
    0414862102                           05           11/01/02         25
    0414862102                           O            10/01/32
    0

    8057297          E22/G02             F          102,000.00         ZZ
                                         360        102,000.00          1
                                       7.000            678.61         76
                                       6.750            678.61
    MARGATE          FL   33063          5            09/18/02         00
    0414883421                           03           11/01/02          0
    0414883421                           O            10/01/32
    0

    8057307          E22/G02             F          265,000.00         ZZ
                                         360        265,000.00          1
1

                                       6.625          1,696.82         74
                                       6.375          1,696.82
    TROY             MI   48098          2            09/17/02         00
    0414891267                           05           11/01/02          0
    0414891267                           O            10/01/32
    0

    8057329          E22/G02             F          173,250.00         ZZ
                                         360        173,250.00          1
                                       7.250          1,181.87         75
                                       7.000          1,181.87
    PUEBLO WEST      CO   81007          5            09/23/02         00
    0414908970                           05           11/01/02          0
    0414908970                           N            10/01/32
    0

    8057333          E22/G02             F          146,250.00         ZZ
                                         360        146,250.00          1
                                       7.000            973.00         75
                                       6.750            973.00
    FEDERAL WAY      WA   98003          5            09/16/02         00
    0414909754                           05           11/01/02          0
    0414909754                           N            10/01/32
    0

    8057357          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          1
                                       6.875          1,123.35         78
                                       6.625          1,123.35
    MIAMI BEACH      FL   33140          2            09/17/02         00
    0414933002                           06           11/01/02          0
    0414933002                           O            10/01/32
    0

    8057359          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.625          1,408.68         68
                                       6.375          1,408.68
    GLENVIEW         IL   60025          5            09/17/02         00
    0414937052                           05           11/01/02          0
    0414937052                           O            10/01/32
    0

    8057361          E22/G02             F          150,600.00         ZZ
                                         360        150,600.00          1
                                       6.375            939.55         60
                                       6.125            939.55
    WEAVERVILLE      NC   28787          1            09/20/02         00
    0414937797                           05           11/01/02          0
1

    0414937797                           O            10/01/32
    0

    8057377          E22/G02             F          244,000.00         ZZ
                                         360        244,000.00          1
                                       6.625          1,562.36         80
                                       6.375          1,562.36
    KIRKLAND         WA   98033          2            09/16/02         00
    0414953653                           05           11/01/02          0
    0414953653                           O            10/01/32
    0

    8057385          E22/G02             F          234,750.00         ZZ
                                         360        234,750.00          1
                                       6.375          1,464.53         76
                                       6.125          1,464.53
    HOUSTON          TX   77077          1            09/23/02         00
    0414960542                           03           11/01/02          0
    0414960542                           O            10/01/32
    0

    8057393          E22/G02             F          245,000.00         ZZ
                                         360        245,000.00          1
                                       7.500          1,713.08         85
                                       7.250          1,713.08
    MIDDLETOWN TOWN  NJ   07748          2            09/18/02         04
    0414398198                           05           11/01/02         25
    0414398198                           O            10/01/32
    0

    8057653          825/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.375            811.03         38
                                       6.125            811.03
    WELLINGTON       CO   80549          5            09/17/02         00
    0434640215                           05           11/01/02          0
    HATFIELD                             O            10/01/32
    0

    8057691          168/168             F          270,000.00         ZZ
                                         360        269,784.09          1
                                       7.125          1,819.04         75
                                       6.875          1,819.04
    FARMINGTON HILL  MI   48331          2            08/28/02         00
    0089648595                           05           10/01/02          0
    0089648595                           O            09/01/32
    0

1

    8057773          K39/G02             F           68,000.00         ZZ
                                         360         67,940.85          1
                                       6.750            441.65         83
                                       6.500            441.65
    DOWELLTOWN       TN   37059          5            09/13/02         10
    0434644738                           05           10/18/02         12
    030501520                            O            09/18/32
    0

    8057813          E11/G02             F          154,000.00         ZZ
                                         360        154,000.00          1
                                       6.500            973.38         77
                                       6.250            973.38
    MINNEAPOLIS      MN   55419          5            09/13/02         00
    0434647814                           05           11/01/02          0
    0010001046704                        O            10/01/32
    0

    8057901          E47/G02             F          267,200.00         ZZ
                                         360        267,200.00          1
                                       6.500          1,688.89         80
                                       6.250          1,688.89
    ANTIOCH          CA   94509          1            09/03/02         00
    0434637575                           05           11/01/02          0
    7359511811                           O            10/01/32
    0

    8057903          M96/G02             F          161,500.00         ZZ
                                         360        161,500.00          1
                                       6.875          1,060.94         95
                                       6.625          1,060.94
     GRAND RAPIDS    MI   49508          1            09/17/02         10
    0434640041                           05           11/01/02         30
    200202175                            O            10/01/32
    0

    8057949          F61/G02             F          174,000.00         ZZ
                                         360        174,000.00          1
                                       6.875          1,143.06         75
                                       6.625          1,143.06
    MONROE           WA   98272          2            09/12/02         00
    0434667705                           03           11/01/02          0
    021389B                              N            10/01/32
    0

    8058157          G34/G02             F          174,700.00         ZZ
                                         360        174,700.00          1
                                       6.625          1,118.62         91
                                       6.375          1,118.62
1

    LAS VEGAS        NV   89148          1            09/18/02         10
    0434636932                           03           11/01/02         25
    39022176                             O            10/01/32
    0

    8058183          L20/G02             F           42,240.00         ZZ
                                         360         42,240.00          1
                                       7.500            295.35         80
                                       7.250            295.35
    RICHFIELD        ID   83349          1            09/17/02         00
    0434652749                           05           11/01/02          0
    716200                               N            10/01/32
    0

    8058221          N74/G02             F          146,100.00         ZZ
                                         360        145,983.17          1
                                       7.125            984.30         84
                                       6.875            984.30
    KINGS MOUNTAIN   NC   28086          2            09/19/02         10
    0434630042                           05           10/24/02         12
    0030747010                           O            09/24/32
    0

    8058253          B57/G02             F          130,500.00         ZZ
                                         360        130,500.00          3
                                       7.000            868.22         90
                                       6.750            868.22
    CERES            CA   95307          1            09/16/02         01
    0434654067                           05           11/01/02         30
    70000319                             N            10/01/32
    0

    8058645          742/G02             F          123,975.00         ZZ
                                         360        123,975.00          1
                                       6.625            793.83         90
                                       6.375            793.83
    SPARKS           NV   89436          1            09/11/02         11
    0434653291                           05           11/01/02         25
    5617329                              N            10/01/32
    0

    8058697          Q14/G02             F          127,600.00         ZZ
                                         360        127,600.00          1
                                       6.750            827.61         80
                                       6.500            827.61
    PHOENIX          AZ   85048          1            09/20/02         00
    0434644530                           03           11/01/02          0
    0209028                              O            10/01/32
    0
1

    8058707          X94/G02             F          213,600.00         ZZ
                                         360        213,600.00          1
                                       6.375          1,332.59         80
                                       6.125          1,332.59
    OTSEGO           MN   55330          5            09/17/02         00
    0434639027                           05           11/01/02          0
    991079                               O            10/01/32
    0

    8058743          883/G02             F           75,000.00         ZZ
                                         360         75,000.00          1
                                       7.000            498.98         75
                                       6.750            498.98
    APOPKA           FL   32712          5            09/12/02         00
    0434646808                           05           11/01/02          0
    05018340                             O            10/01/32
    0

    8058859          U28/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.750            908.04         59
                                       6.500            908.04
    DECATUR          GA   30030          5            09/17/02         00
    0434646865                           05           11/01/02          0
    2000005105                           O            10/01/32
    0

    8059335          E82/G02             F           85,600.00         ZZ
                                         360         85,600.00          2
                                       6.875            562.33         89
                                       6.625            562.33
    PORTSMOUTH       VA   23702          2            09/19/02         04
    0400693354                           05           11/01/02         25
    4094179                              N            10/01/32
    0

    8059349          E82/G02             F           65,000.00         ZZ
                                         360         65,000.00          1
                                       7.375            448.94         74
                                       7.125            448.94
    WEST PALM BEACH  FL   33407          2            09/16/02         00
    0400678587                           06           11/01/02          0
    0400678587                           O            10/01/32
    0

    8059351          E82/G02             F           84,800.00         ZZ
                                         360         84,800.00          1
1

                                       7.000            564.18         80
                                       6.750            564.18
    CUYAHOGA FALLS   OH   44223          2            09/19/02         00
    0400689071                           05           11/01/02          0
    0400689071                           N            10/01/32
    0

    8059353          E82/G02             F           68,900.00         ZZ
                                         360         68,900.00          1
                                       6.875            452.62         76
                                       6.625            452.62
    TUCSON           AZ   85710          2            09/18/02         00
    0400699302                           05           11/01/02          0
    4030666                              O            10/01/32
    0

    8059371          E82/G02             F          274,500.00         ZZ
                                         360        274,500.00          1
                                       6.875          1,803.27         85
                                       6.625          1,803.27
    BOUNTIFUL        UT   84010          2            09/17/02         04
    0400692232                           05           11/01/02         12
    1684921                              O            10/01/32
    0

    8059423          E22/G02             F           41,000.00         ZZ
                                         360         41,000.00          1
                                       7.000            272.77         79
                                       6.750            272.77
    HOUSTON          TX   77055          2            09/19/02         00
    0414573915                           01           11/01/02          0
    0414573915                           N            10/01/32
    0

    8059465          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          1
                                       7.125          1,152.06         90
                                       6.875          1,152.06
    BOWIE            MD   20716          2            09/24/02         04
    0414694182                           05           11/01/02         25
    0414694182                           N            10/01/32
    0

    8059485          E22/G02             F           80,100.00         ZZ
                                         360         80,100.00          1
                                       6.625            512.89         90
                                       6.375            512.89
    BELLINGHAM       WA   98225          1            09/16/02         04
    0414707646                           01           11/01/02         25
1

    0414707646                           N            10/01/32
    0

    8059497          E22/G02             F           89,000.00         ZZ
                                         360         89,000.00          1
                                       6.750            577.25         90
                                       6.500            577.25
    BRANFORD         CT   06405          1            09/24/02         04
    0414733766                           01           11/01/02         25
    0414733766                           N            10/01/32
    0

    8059519          E22/G02             F          235,921.00         ZZ
                                         360        235,921.00          1
                                       6.500          1,491.18         80
                                       6.250          1,491.18
    GRAYSON          GA   30017          2            09/19/02         00
    0414773689                           05           11/01/02          0
    0414773689                           O            10/01/32
    0

    8059589          E22/G02             F          129,600.00         T
                                         360        129,600.00          1
                                       7.375            895.11         80
                                       7.125            895.11
    LUDINGTON        MI   49431          1            09/09/02         00
    0414868018                           05           11/01/02          0
    0414868018                           O            10/01/32
    0

    8059599          E22/G02             F          120,600.00         ZZ
                                         360        120,600.00          1
                                       7.375            832.95         90
                                       7.125            832.95
    BLUE RIVER       OR   97413          1            09/18/02         04
    0414878637                           05           11/01/02         30
    0414878637                           O            10/01/32
    0

    8059617          E22/G02             F           75,600.00         ZZ
                                         360         75,600.00          1
                                       7.250            515.73         90
                                       7.000            515.73
    OAKLAND PARK     FL   33334          1            09/23/02         01
    0414897652                           01           11/01/02         25
    0414897652                           N            10/01/32
    0

1

    8059619          E22/G02             F          157,500.00         ZZ
                                         360        157,500.00          1
                                       7.000          1,047.85         75
                                       6.750          1,047.85
    DES MOINES       WA   98148          5            09/09/02         00
    0414899450                           05           11/01/02          0
    0414899450                           N            10/01/32
    0

    8059649          E22/G02             F           82,650.00         ZZ
                                         360         82,650.00          1
                                       6.375            515.63         95
                                       6.125            515.63
    IRMO             SC   29063          5            09/19/02         10
    0414931931                           05           11/01/02         30
    0414931931                           O            10/01/32
    0

    8060095          642/G02             F           94,000.00         ZZ
                                         360         94,000.00          1
                                       6.750            609.68         95
                                       6.500            609.68
    RAPID CITY       SD   57701          5            09/17/02         10
    0434633012                           05           11/01/02         30
    08237702                             O            10/01/32
    0

    8060099          R84/G02             F          300,000.00         T
                                         360        300,000.00          1
                                       6.625          1,920.93         78
                                       6.375          1,920.93
    DANA POINT       CA   92629          1            09/18/02         00
    0434638599                           01           11/01/02          0
    LVR4726                              O            10/01/32
    0

    8060177          P44/G02             F          182,000.00         ZZ
                                         360        182,000.00          1
                                       6.375          1,135.44         80
                                       6.125          1,135.44
    FALMOUTH(NORTH)  MA   02556          5            09/11/02         00
    0434638854                           05           11/01/02          0
    1                                    N            10/01/32
    0

    8060259          U05/G02             F          256,500.00         ZZ
                                         360        256,500.00          1
                                       6.750          1,663.65         90
                                       6.500          1,663.65
1

    BURBANK          CA   91506          1            09/05/02         10
    0434656831                           05           11/01/02         25
    3256409                              O            10/01/32
    0

    8060299          W40/G02             F           68,000.00         ZZ
                                         360         68,000.00          1
                                       6.375            424.23         80
                                       6.125            424.23
    DETROIT          MI   48228          1            09/12/02         00
    0434722112                           05           11/01/02          0
    10101574                             O            10/01/32
    0

    8060311          G34/G02             F          147,250.00         ZZ
                                         360        147,250.00          1
                                       6.875            967.33         95
                                       6.625            967.33
    BLOOMINGTON      CA   92316          1            09/11/02         01
    0434645909                           05           11/01/02         30
    41000255                             O            10/01/32
    0

    8060335          G34/G02             F          233,000.00         ZZ
                                         360        233,000.00          1
                                       6.750          1,511.23         70
                                       6.500          1,511.23
    OAKLAND          CA   94606          1            09/18/02         00
    0434656120                           05           11/01/02          0
    48200667                             N            10/01/32
    0

    8060349          W02/G02             F          108,000.00         ZZ
                                         360        107,904.71          1
                                       6.625            691.54         80
                                       6.375            691.54
    TAMARAC          FL   33321          5            08/24/02         00
    0434654927                           03           10/01/02          0
    1001439256                           O            09/01/32
    0

    8060463          N47/G02             F          285,000.00         ZZ
                                         360        285,000.00          1
                                       6.875          1,872.25         46
                                       6.625          1,872.25
    CARMEL VALLEY    CA   93924          5            09/12/02         00
    0434649463                           05           11/01/02          0
    20121142                             O            10/01/32
    0
1

    8060605          M18/G02             F          178,000.00         ZZ
                                         360        178,000.00          1
                                       7.250          1,214.27         80
                                       7.000          1,214.27
    GARDEN GROVE     CA   92643          5            09/11/02         00
    0434645545                           01           11/01/02          0
    980102040                            O            10/01/32
    0

    8060703          A06/G02             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       6.625          1,248.61         75
                                       6.375          1,248.61
    DETROIT          MI   48221          5            09/21/02         00
    0434637609                           05           11/01/02          0
    1                                    N            10/01/32
    0

    8060789          W02/G02             F           86,450.00         ZZ
                                         360         86,373.73          1
                                       6.625            553.55         95
                                       6.375            553.55
    MIDDLEBURG       FL   32068          5            08/23/02         12
    0434655239                           05           10/01/02         30
    1001453248                           O            09/01/32
    0

    8060861          W02/G02             F           67,000.00         ZZ
                                         360         66,849.81          1
                                       6.500            423.49         84
                                       6.250            423.49
    JACKSONVILLE     FL   32216          5            08/22/02         12
    0434637328                           05           10/01/02         12
    1001433802                           O            09/01/32
    0

    8060939          N74/G02             F          100,000.00         ZZ
                                         360         99,913.90          1
                                       6.750            648.60         61
                                       6.500            648.60
    GRAHAM           NC   27253          2            09/20/02         00
    0434696506                           05           10/25/02          0
    0030736010                           O            09/25/32
    0

    8061607          696/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
1

                                       6.625          1,306.23         80
                                       6.375          1,306.23
    ROCKVILLE        MD   20853          5            09/16/02         00
    0434621405                           05           11/01/02          0
    30102147                             O            10/01/32
    0

    8061613          X67/G02             F           69,600.00         ZZ
                                         360         69,600.00          1
                                       7.000            463.05         80
                                       6.750            463.05
    HAMPTON          VA   23666          1            09/13/02         00
    0434647848                           05           11/01/02          0
    00240950                             N            10/01/32
    0

    8061661          M18/G02             F          298,000.00         ZZ
                                         360        298,000.00          1
                                       7.000          1,982.60         85
                                       6.750          1,982.60
    LOMA LINDA       CA   92354          1            08/28/02         11
    0434645586                           05           11/01/02         12
    980101941                            O            10/01/32
    0

    8061691          A06/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       7.500            727.19         77
                                       7.250            727.19
    EASTPOINTE       MI   48021          2            09/10/02         00
    0434641163                           05           11/01/02          0
    1000020218252                        O            10/01/32
    0

    8062163          E82/G02             F          106,400.00         ZZ
                                         360        106,400.00          1
                                       6.750            690.11         67
                                       6.500            690.11
    HANSVILLE        WA   98340          5            09/20/02         00
    0400689576                           05           11/01/02          0
    0400689576                           O            10/01/32
    0

    8062171          E82/G02             F          101,700.00         ZZ
                                         360        101,700.00          1
                                       7.000            676.61         57
                                       6.750            676.61
    TULSA            OK   74135          5            09/19/02         00
    0400651295                           05           11/01/02          0
1

    0400651295                           O            10/01/32
    0

    8062183          E82/G02             F          135,950.00         ZZ
                                         360        135,950.00          1
                                       6.625            870.50         76
                                       6.375            870.50
    FEDERAL WAY      WA   98023          2            09/17/02         00
    0400671376                           05           11/01/02          0
    1851957                              O            10/01/32
    0

    8062189          E82/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       6.875            945.98         90
                                       6.625            945.98
    BUSHWOOD         MD   20618          2            09/20/02         11
    0400695789                           05           11/01/02         25
    0400695789                           O            10/01/32
    0

    8062229          E82/G02             F           52,350.00         ZZ
                                         360         52,350.00          1
                                       6.875            343.90         66
                                       6.625            343.90
    WINDER           GA   30680          2            09/24/02         00
    0400676185                           05           11/01/02          0
    1502171                              N            10/01/32
    0

    8062247          E82/G02             F          210,500.00         ZZ
                                         360        210,500.00          1
                                       6.625          1,347.85         78
                                       6.375          1,347.85
    KEY WEST         FL   33040          5            09/20/02         00
    0400689436                           05           11/01/02          0
    0400689436                           O            10/01/32
    0

    8062265          E82/G02             F          123,000.00         ZZ
                                         360        123,000.00          1
                                       6.750            797.78         62
                                       6.500            797.78
    BAINBRIDGE ISLA  WA   98110          5            09/19/02         00
    0400680617                           05           11/01/02          0
    0400680617                           O            10/01/32
    0

1

    8062621          W40/G02             F          276,000.00         ZZ
                                         360        276,000.00          1
                                       7.250          1,882.81         75
                                       7.000          1,882.81
    ANN ARBOR        MI   48104          5            09/18/02         00
    0434652491                           05           11/01/02          0
    101010849                            N            10/01/32
    0

    8062665          Q59/G02             F          168,750.00         ZZ
                                         360        168,750.00          3
                                       7.000          1,122.70         90
                                       6.750          1,122.70
    NORWALK          CA   90650          1            09/18/02         04
    0434652145                           05           11/01/02         25
    401952                               N            10/01/32
    0

    8062697          E22/G02             F          240,800.00         ZZ
                                         360        240,800.00          1
                                       6.500          1,522.02         80
                                       6.250          1,522.02
    SHOREVIEW        MN   55126          5            09/20/02         00
    0414902684                           05           11/01/02          0
    0414902684                           O            10/01/32
    0

    8062699          E22/G02             F          232,000.00         ZZ
                                         360        232,000.00          1
                                       6.875          1,524.07         80
                                       6.625          1,524.07
    DENVER           CO   80212          5            09/20/02         00
    0414903245                           05           11/01/02          0
    0414903245                           O            10/01/32
    0

    8062703          E22/G02             F          111,000.00         ZZ
                                         360        111,000.00          1
                                       6.875            729.19         93
                                       6.625            729.19
    OMAHA            NE   68122          5            09/20/02         04
    0414910372                           05           11/01/02         30
    0414910372                           O            10/01/32
    0

    8062751          E22/G02             F          225,250.00         ZZ
                                         360        225,250.00          1
                                       6.625          1,442.30         85
                                       6.375          1,442.30
1

    SPOKANE          WA   99223          2            09/18/02         04
    0414947937                           05           11/01/02         25
    0414947937                           O            10/01/32
    0

    8062801          E22/G02             F          272,000.00         ZZ
                                         360        272,000.00          1
                                       6.750          1,764.19         80
                                       6.500          1,764.19
    SEATTLE          WA   98115          1            09/23/02         00
    0414993402                           05           11/01/02          0
    0414993402                           N            10/01/32
    0

    8062817          E22/G02             F          285,000.00         ZZ
                                         360        285,000.00          1
                                       6.625          1,824.89         41
                                       6.375          1,824.89
    ZEPHYR COVE      NV   89448          1            09/18/02         00
    0415027481                           05           11/01/02          0
    0415027481                           N            10/01/32
    0

    8062819          E22/G02             F           93,600.00         ZZ
                                         360         93,600.00          1
                                       7.375            646.47         80
                                       7.125            646.47
    EUGENE           OR   97405          1            09/20/02         00
    0415034875                           05           11/01/02          0
    0415034875                           N            10/01/32
    0

    8062855          E22/G02             F           74,700.00         ZZ
                                         360         74,700.00          1
                                       7.375            515.93         87
                                       7.125            515.93
    CANDLER          NC   28715          5            09/20/02         01
    0414737312                           05           11/01/02         25
    0414737312                           O            10/01/32
    0

    8062877          E22/G02             F          152,000.00         ZZ
                                         360        152,000.00          4
                                       6.625            973.27         80
                                       6.375            973.27
    LARAMIE          WY   82072          1            09/25/02         00
    0414771964                           05           11/01/02          0
    0414771964                           N            10/01/32
    0
1

    8062891          E22/G02             F          146,000.00         ZZ
                                         360        146,000.00          1
                                       6.500            922.82         77
                                       6.250            922.82
    HEMPSTEAD        NY   11550          2            09/20/02         00
    0414789479                           05           11/01/02          0
    0414789479                           O            10/01/32
    0

    8062895          E22/G02             F          110,995.00         T
                                         360        110,995.00          1
                                       6.625            710.71         59
                                       6.375            710.71
    LAGUNA NIGUEL    CA   92677          2            09/10/02         00
    0414792556                           01           11/01/02          0
    0414792556                           O            10/01/32
    0

    8062903          E22/G02             F          115,200.00         ZZ
                                         360        115,200.00          1
                                       6.750            747.19         90
                                       6.500            747.19
    LADSON           SC   29456          2            09/20/02         10
    0414811141                           05           11/01/02         30
    0414811141                           O            10/01/32
    0

    8062921          M27/G02             F          134,000.00         ZZ
                                         360        133,884.63          1
                                       6.750            869.12         90
                                       6.500            869.12
    FRANKLIN         TN   37069          1            08/30/02         01
    0434671624                           03           10/01/02         25
    5000114017                           N            09/01/32
    0

    8062923          975/G02             F          296,250.00         ZZ
                                         360        296,250.00          1
                                       6.250          1,824.06         77
                                       6.000          1,824.06
    ANAHEIM          CA   92805          5            09/01/02         00
    0434698593                           05           11/01/02          0
    2023491                              O            10/01/32
    0

    8062945          E22/G02             F          272,000.00         ZZ
                                         360        272,000.00          1
1

                                       6.375          1,696.93         80
                                       6.125          1,696.93
    UNIVERSITY PLAC  WA   98467          1            09/20/02         00
    0414848309                           05           11/01/02          0
    0414848309                           O            10/01/32
    0

    8062949          E22/G02             F          224,000.00         ZZ
                                         360        224,000.00          1
                                       6.875          1,471.52         80
                                       6.625          1,471.52
    SUNNYVALE        TX   75182          2            09/19/02         00
    0414849943                           05           11/01/02          0
    0414849943                           O            10/01/32
    0

    8062973          E22/G02             F          110,400.00         ZZ
                                         360        110,400.00          1
                                       6.625            706.90         80
                                       6.375            706.90
    STOCKTON         CA   95204          1            09/19/02         00
    0414863076                           05           11/01/02          0
    0414863076                           N            10/01/32
    0

    8062985          E22/G02             F          293,400.00         ZZ
                                         360        293,400.00          1
                                       6.625          1,878.67         90
                                       6.375          1,878.67
    PEMBROKE         MA   02359          1            09/25/02         01
    0414447946                           05           11/01/02         25
    0414447946                           O            10/01/32
    0

    8063003          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       6.625            461.02         80
                                       6.375            461.02
    WARREN           MI   48093          1            09/25/02         00
    0414576926                           05           11/01/02          0
    0414576926                           N            10/01/32
    0

    8063027          A06/G02             F           70,000.00         ZZ
                                         360         70,000.00          1
                                       6.625            448.22         67
                                       6.375            448.22
    SOUTHFIELD       MI   48076          5            09/23/02         00
    0434640579                           05           11/01/02          0
1

    1                                    O            10/01/32
    0

    8063117          E45/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.500          1,264.14         55
                                       6.250          1,264.14
    ST. SIMONS ISLA  GA   31522          5            09/09/02         00
    0434663258                           05           11/01/02          0
    222214                               O            10/01/32
    0

    8063141          893/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.500          1,137.72         75
                                       6.250          1,137.72
    MODESTO          CA   95358          5            09/17/02         00
    0434649208                           05           11/01/02          0
    M2091103.1                           O            10/01/32
    0

    8063183          K39/G02             F          252,000.00         ZZ
                                         360        252,000.00          1
                                       6.500          1,592.82         80
                                       6.250          1,592.82
    BERGENFIELD      NJ   07621          5            09/16/02         00
    0434653531                           05           11/01/02          0
    091648922                            O            10/01/32
    0

    8063233          E45/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.625            665.92         52
                                       6.375            665.92
    DACULA           GA   30019          5            09/06/02         00
    0434663050                           05           11/01/02          0
    277526                               O            10/01/32
    0

    8063235          420/G02             F          296,250.00         ZZ
                                         360        296,250.00          1
                                       6.750          1,921.47         75
                                       6.500          1,921.47
    PETALUMA         CA   94954          1            09/13/02         00
    0434643300                           05           11/01/02          0
    72003225                             O            10/01/32
    0

1

    8063257          E86/G02             F          128,400.00         ZZ
                                         360        128,299.84          1
                                       7.250            875.91         80
                                       7.000            875.91
    ALEXANDRIA       VA   22310          1            08/27/02         00
    0434642468                           01           10/01/02          0
    0000223413                           N            09/01/32
    0

    8063373          642/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.750            752.37         80
                                       6.500            752.37
    PITTSBURGH       PA   15236          5            09/19/02         00
    0434636049                           05           11/01/02          0
    07231702                             O            10/01/32
    0

    8063379          E11/G02             F          164,300.00         ZZ
                                         360        164,300.00          1
                                       7.125          1,106.92         90
                                       6.875          1,106.92
    OTSEGO           MN   55330          1            09/20/02         10
    0434684999                           05           11/01/02         25
    0010001047476                        N            10/01/32
    0

    8063543          E82/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.750            752.37         73
                                       6.500            752.37
    AURORA           CO   80011          5            09/17/02         00
    0400696415                           05           11/01/02          0
    1638020                              O            10/01/32
    0

    8063615          E82/G02             F          119,500.00         ZZ
                                         360        119,500.00          1
                                       6.500            755.32         78
                                       6.250            755.32
    CARBONDALE       PA   18407          2            09/18/02         00
    0400692992                           05           11/01/02          0
    4381695                              O            10/01/32
    0

    8063641          U05/G02             F          246,000.00         ZZ
                                         360        246,000.00          4
                                       6.625          1,575.17         80
                                       6.375          1,575.17
1

    MAYWOOD          CA   90270          2            09/16/02         00
    0434648697                           05           11/01/02          0
    3262224                              O            10/01/32
    0

    8063647          E57/G02             F           87,200.00         ZZ
                                         360         87,200.00          1
                                       7.500            609.72         80
                                       7.250            609.72
    PASADENA         MD   21122          1            09/19/02         00
    0434649232                           09           11/01/02          0
    10000716                             N            10/01/32
    0

    8063657          642/G02             F           57,000.00         ZZ
                                         360         56,915.13          1
                                       7.500            398.55         90
                                       7.250            398.55
    CLINTON          IN   47842          5            07/15/02         10
    0434639183                           05           09/01/02         25
    06226702                             O            08/01/32
    0

    8063901          E45/G02             F          150,000.00         ZZ
                                         360        149,873.99          1
                                       6.875            985.39         78
                                       6.625            985.39
    ATHENS           GA   30606          2            08/19/02         00
    0434643508                           05           10/01/02          0
    275897                               O            09/01/32
    0

    8064245          N47/G02             F          102,000.00         ZZ
                                         360        102,000.00          1
                                       7.500            713.20         75
                                       7.250            713.20
    KISSIMMEE        FL   34746          5            09/20/02         00
    0434644407                           09           11/01/02          0
    121590                               N            10/01/32
    0

    8064343          A52/G02             F           78,750.00         ZZ
                                         360         78,750.00          1
                                       7.500            550.63         75
                                       7.250            550.63
    ATLANTA          GA   30327          5            09/13/02         00
    0434643920                           05           11/01/02          0
    20649                                N            10/01/32
    0
1

    8064589          952/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       7.000          1,596.73         80
                                       6.750          1,596.73
    WESTWOOD         NJ   07675          1            09/09/02         00
    0434671095                           05           11/01/02          0
    20026783                             N            10/01/32
    0

    8065041          E82/G02             F           75,100.00         ZZ
                                         360         75,100.00          2
                                       6.875            493.35         77
                                       6.625            493.35
    PRESCOTT         AZ   86314          2            09/25/02         00
    0400686861                           05           11/01/02          0
    1774558                              N            10/01/32
    0

    8065059          E82/G02             F          171,800.00         ZZ
                                         360        171,800.00          1
                                       7.500          1,201.25         71
                                       7.250          1,201.25
    LINDEN           NJ   07036          2            09/23/02         00
    0400682605                           05           11/01/02          0
    0400682605                           O            10/01/32
    0

    8065061          E82/G02             F           97,000.00         ZZ
                                         360         97,000.00          1
                                       6.500            613.11         52
                                       6.250            613.11
    DAVENPORT        FL   33896          2            09/23/02         00
    0400692893                           03           11/01/02          0
    1800093                              O            10/01/32
    0

    8065067          E82/G02             F           75,200.00         ZZ
                                         360         75,200.00          1
                                       6.500            475.32         80
                                       6.250            475.32
    WARRENSBURG      MO   64093          2            09/25/02         00
    0400697157                           05           11/01/02          0
    3499273                              O            10/01/32
    0

    8065113          E82/G02             F           60,600.00         ZZ
                                         360         60,600.00          1
1

                                       6.750            393.05         70
                                       6.500            393.05
    HOMESTEAD        FL   33030          2            09/27/02         00
    0400696365                           05           11/01/02          0
    1720331                              N            10/01/32
    0

    8065115          E82/G02             F           60,350.00         ZZ
                                         360         60,350.00          1
                                       6.750            391.43         68
                                       6.500            391.43
    HOMESTEAD        FL   33030          2            09/27/02         00
    0400696290                           05           11/01/02          0
    1640818                              N            10/01/32
    0

    8065123          E82/G02             F           96,900.00         ZZ
                                         360         96,900.00          1
                                       6.875            636.56         64
                                       6.625            636.56
    COLORADO SPRING  CO   80905          2            09/26/02         00
    0400698155                           05           11/01/02          0
    4053184                              N            10/01/32
    0

    8065139          E82/G02             F           76,500.00         ZZ
                                         360         76,500.00          1
                                       6.875            502.55         64
                                       6.625            502.55
    WILMINGTON       IL   60481          2            09/20/02         00
    0400678231                           05           11/01/02          0
    5538733                              O            10/01/32
    0

    8065143          E82/G02             F          116,500.00         ZZ
                                         360        116,500.00          1
                                       6.750            755.62         94
                                       6.500            755.62
    BROOKSVILLE      FL   34609          2            09/25/02         10
    0400697181                           05           11/01/02         30
    5097272                              O            10/01/32
    0

    8065215          E82/G02             F          122,000.00         ZZ
                                         360        122,000.00          1
                                       6.625            781.18         49
                                       6.375            781.18
    DANA POINT       CA   92629          5            09/20/02         00
    0400687869                           01           11/01/02          0
1

    0400687869                           O            10/01/32
    0

    8065247          E82/G02             F           90,800.00         ZZ
                                         360         90,800.00          1
                                       6.875            596.49         65
                                       6.625            596.49
    WINSTON          GA   30187          2            09/25/02         00
    0400678397                           05           11/01/02          0
    0400678397                           O            10/01/32
    0

    8065249          E82/G02             F          162,800.00         ZZ
                                         360        162,800.00          1
                                       6.625          1,042.43         89
                                       6.375          1,042.43
    FRIDLEY          MN   55432          2            09/23/02         10
    0400688248                           05           11/01/02         25
    0400688248                           O            10/01/32
    0

    8065257          E82/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.625            589.09         65
                                       6.375            589.09
    VANCOUVER        WA   98684          2            09/23/02         00
    0400641643                           05           11/01/02          0
    1930560                              N            10/01/32
    0

    8065297          E82/G02             F          271,800.00         ZZ
                                         360        271,800.00          1
                                       6.500          1,717.96         79
                                       6.250          1,717.96
    GARDEN GROVE     CA   92844          2            09/25/02         00
    0400697603                           05           11/01/02          0
    4480498                              O            10/01/32
    0

    8065321          E82/G02             F          289,000.00         ZZ
                                         360        289,000.00          1
                                       6.625          1,850.50         73
                                       6.375          1,850.50
    UPPER MARLBORO   MD   20772          2            09/20/02         00
    0400692265                           05           11/01/02          0
    1719799                              O            10/01/32
    0

1

    8065327          E82/G02             F           99,750.00         ZZ
                                         360         99,750.00          1
                                       6.625            638.71         87
                                       6.375            638.71
    MARIETTA         GA   30066          2            09/25/02         10
    0400694287                           05           11/01/02         25
    4784890                              O            10/01/32
    0

    8065863          B44/G02             F           90,500.00         ZZ
                                         360         90,500.00          1
                                       6.625            579.48         79
                                       6.375            579.48
    BERRY CREEK      CA   95916          5            09/16/02         00
    0434659645                           05           11/01/02          0
    3020378                              O            10/01/32
    0

    8065865          S43/G02             F          145,600.00         ZZ
                                         360        145,600.00          1
                                       6.625            932.29         79
                                       6.375            932.29
    LOS LUNAS        NM   87031          2            09/24/02         00
    0434652780                           05           11/01/02          0
    021420                               O            10/01/32
    0

    8065895          940/G02             F          163,850.00         ZZ
                                         360        163,850.00          1
                                       6.375          1,022.21         62
                                       6.125          1,022.21
    MONROVIA         CA   91016          2            09/20/02         00
    0434656245                           05           11/01/02          0
    40020880                             O            10/01/32
    0

    8065943          E22/G02             F          220,500.00         ZZ
                                         360        220,500.00          1
                                       7.125          1,485.55         80
                                       6.875          1,485.55
    LOXAHATCHEE      FL   33470          1            09/26/02         00
    0414732339                           05           11/01/02          0
    0414732339                           O            10/01/32
    0

    8065965          E22/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       6.875            985.39         43
                                       6.625            985.39
1

    BIG SKY          MT   59716          2            09/26/02         00
    0414797621                           21           11/01/02          0
    0414797621                           N            10/01/32
    0

    8065985          642/G02             F          120,950.00         ZZ
                                         360        120,950.00          1
                                       6.500            764.49         79
                                       6.250            764.49
    FORT LAUDERDALE  FL   33309          2            09/18/02         00
    0434647392                           05           11/01/02          0
    0811602                              O            10/01/32
    0

    8066015          E76/G02             F          133,804.00         ZZ
                                         360        133,804.00          1
                                       6.750            867.85         84
                                       6.500            867.85
    MOORE            OK   73160          5            09/23/02         10
    0434653044                           05           11/01/02         12
    100012748                            O            10/01/32
    0

    8066071          F89/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.625            845.21         80
                                       6.375            845.21
    SANTA CLARITA    CA   91321          1            09/16/02         00
    0434648044                           01           11/01/02          0
    16923645                             O            10/01/32
    0

    8066137          E76/G02             F           53,300.00         ZZ
                                         360         53,300.00          1
                                       7.500            372.68         80
                                       7.250            372.68
    HOPE             AR   71801          5            09/18/02         00
    0434642526                           05           11/01/02          0
    10015583                             O            10/01/32
    0

    8066553          E22/G02             F           75,700.00         ZZ
                                         240         75,700.00          1
                                       7.000            586.90         79
                                       6.750            586.90
    FORT WORTH       TX   76133          5            09/18/02         00
    0414825661                           05           11/01/02          0
    0414825661                           O            10/01/22
    0
1

    8066561          E22/G02             F           35,910.00         ZZ
                                         360         35,910.00          1
                                       7.375            248.02         90
                                       7.125            248.02
    JACKSON          MI   49202          1            09/26/02         01
    0414829663                           05           11/01/02         25
    0414829663                           N            10/01/32
    0

    8066577          H76/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       7.125          1,212.70         90
                                       6.875          1,212.70
    THURMONT         MD   21788          5            09/23/02         01
    0434639241                           05           11/01/02         25
    2002447776                           O            10/01/32
    0

    8066609          E22/G02             F           62,000.00         ZZ
                                         360         62,000.00          1
                                       7.125            417.71        100
                                       6.875            417.71
    SAUK VILLAGE     IL   60411          1            09/26/02         04
    0414880781                           05           11/01/02         35
    0414880781                           O            10/01/32
    0

    8066625          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.750          1,037.76         80
                                       6.500          1,037.76
    CAMAS            WA   98607          2            09/17/02         00
    0414894113                           05           11/01/02          0
    0414894113                           O            10/01/32
    0

    8066629          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          3
                                       7.250            736.75         90
                                       7.000            736.75
    LAKE WORTH       FL   33460          1            09/26/02         01
    0414894196                           05           11/01/02         25
    0414894196                           N            10/01/32
    0

    8066653          E22/G02             F          264,550.00         ZZ
                                         360        264,550.00          1
1

                                       6.375          1,650.45         95
                                       6.125          1,650.45
    CINCINNATI       OH   45202          1            09/26/02         11
    0414901355                           01           11/01/02         30
    0414901355                           O            10/01/32
    0

    8066687          X67/G02             F          261,600.00         ZZ
                                         360        261,600.00          1
                                       7.250          1,784.57         80
                                       7.000          1,784.57
    SAN JOSE         CA   95116          1            09/09/02         00
    0434651212                           05           11/01/02          0
    00268662                             N            10/01/32
    0

    8066751          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          4
                                       7.250            709.46         80
                                       7.000            709.46
    FRESNO           CA   93705          1            09/16/02         00
    0415003276                           05           11/01/02          0
    0415003276                           N            10/01/32
    0

    8066757          A21/G02             F          136,000.00         ZZ
                                         360        136,000.00          2
                                       7.375            939.32         80
                                       7.125            939.32
    ORANGE           NJ   07050          1            09/12/02         00
    0434715124                           05           11/01/02          0
    6780000002                           N            10/01/32
    0

    8066779          E22/G02             F          101,600.00         ZZ
                                         360        101,600.00          1
                                       6.750            658.98         80
                                       6.500            658.98
    JUPITER          FL   33458          1            09/26/02         00
    0415026376                           05           11/01/02          0
    0415026376                           N            10/01/32
    0

    8066795          E22/G02             F          133,000.00         ZZ
                                         360        133,000.00          1
                                       6.500            840.65         95
                                       6.250            840.65
    CARSON CITY      NV   89701          1            09/20/02         01
    0415064195                           05           11/01/02         30
1

    0415064195                           O            10/01/32
    0

    8066851          U05/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.500          1,896.20         70
                                       6.250          1,896.20
    SAN JOSE         CA   95138          2            09/06/02         00
    0434670352                           05           11/01/02          0
    3257878                              O            10/01/32
    0

    8067071          253/253             F          256,300.00         ZZ
                                         360        256,300.00          1
                                       6.625          1,641.12         80
                                       6.375          1,641.12
    FORT WORTH       TX   76008          2            09/11/02         00
    429870                               05           11/01/02          0
    429870                               O            10/01/32
    0

    8067197          U05/G02             F           92,723.00         ZZ
                                         360         92,723.00          3
                                       6.625            593.72         90
                                       6.375            593.72
    WILMINGTON       DE   19801          1            09/05/02         04
    0434671111                           05           11/01/02         25
    3259903                              N            10/01/32
    0

    8067667          P29/G02             F           91,800.00         ZZ
                                         360         91,800.00          1
                                       6.875            603.06         90
                                       6.625            603.06
    CENTRAL CITY     IA   52214          2            09/25/02         14
    0434645826                           05           11/01/02         25
    9627423                              O            10/01/32
    0

    8068133          420/G02             F          294,000.00         ZZ
                                         360        294,000.00          1
                                       6.875          1,931.37         80
                                       6.625          1,931.37
    FORT BRAGG       CA   95437          5            09/12/02         00
    0434638631                           05           11/01/02          0
    72002924                             O            10/01/32
    0

1

    8068991          E22/G02             F          276,000.00         ZZ
                                         360        276,000.00          1
                                       6.500          1,744.51         80
                                       6.250          1,744.51
    GOODLAND         MI   48444          1            09/27/02         00
    0415031608                           05           11/01/02          0
    0415031608                           O            10/01/32
    0

    8068999          E22/G02             F          264,000.00         ZZ
                                         360        264,000.00          1
                                       6.375          1,647.02         80
                                       6.125          1,647.02
    ALPINE           UT   84004          2            09/23/02         00
    0415042738                           05           11/01/02          0
    0415042738                           O            10/01/32
    0

    8069011          E22/G02             F          125,100.00         ZZ
                                         360        125,100.00          2
                                       6.625            801.03         90
                                       6.375            801.03
    KENNEWICK        WA   99338          1            09/20/02         04
    0415051291                           05           11/01/02         25
    0415051291                           O            10/01/32
    0

    8069017          E22/G02             F           64,500.00         ZZ
                                         360         64,500.00          1
                                       6.625            413.00         72
                                       6.375            413.00
    TOLEDO           OH   43612          2            09/27/02         00
    0415056423                           05           11/01/02          0
    0415056423                           N            10/01/32
    0

    8069025          E22/G02             F          292,500.00         ZZ
                                         360        292,500.00          2
                                       7.250          1,995.37         90
                                       7.000          1,995.37
    ORTLEY BEACH     NJ   08753          1            09/27/02         04
    0414287300                           05           11/01/02         25
    0414287300                           N            10/01/32
    0

    8069049          E22/G02             F          124,500.00         ZZ
                                         360        124,500.00          1
                                       7.000            828.30        100
                                       6.750            828.30
1

    PEMBERVILLE      OH   43450          1            09/27/02         04
    0414577882                           05           11/01/02         35
    0414577882                           O            10/01/32
    0

    8069065          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          2
                                       6.875          1,051.09         70
                                       6.625          1,051.09
    HAWTHORNE        CA   90250          5            09/16/02         00
    0414667709                           05           11/01/02          0
    0414667709                           O            10/01/32
    0

    8069073          E22/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       7.000          1,496.93         75
                                       6.750          1,496.93
    RANCHO CUCAMONG  CA   91701          5            09/18/02         00
    0414702134                           05           11/01/02          0
    0414702134                           N            10/01/32
    0

    8069087          E22/G02             F          256,000.00         ZZ
                                         360        256,000.00          1
                                       6.375          1,597.11         80
                                       6.125          1,597.11
    IRVINE           CA   92602          5            09/23/02         00
    0414730655                           01           11/01/02          0
    0414730655                           O            10/01/32
    0

    8069095          E22/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       6.375            935.80         54
                                       6.125            935.80
    BELGRADE         MT   59714          1            09/23/02         00
    0414746248                           05           11/01/02          0
    0414746248                           O            10/01/32
    0

    8069111          E22/G02             F          148,000.00         ZZ
                                         360        148,000.00          1
                                       6.500            935.46         80
                                       6.250            935.46
    RIO RANCHO       NM   87124          2            09/23/02         00
    0414830521                           05           11/01/02          0
    0414830521                           O            10/01/32
    0
1

    8069117          E22/G02             F          124,000.00         T
                                         360        124,000.00          1
                                       6.500            783.76         80
                                       6.250            783.76
    ASHEVILLE        NC   28801          1            09/27/02         00
    0414834812                           05           11/01/02          0
    0414834812                           O            10/01/32
    0

    8069131          E22/G02             F          221,000.00         ZZ
                                         360        221,000.00          1
                                       6.750          1,433.40         74
                                       6.500          1,433.40
    ELK GROVE        CA   95624          5            09/19/02         00
    0414856500                           05           11/01/02          0
    0414856500                           O            10/01/32
    0

    8069163          E22/G02             F          233,010.00         ZZ
                                         360        233,010.00          1
                                       7.125          1,569.83         90
                                       6.875          1,569.83
    COLORADO SPRING  CO   80919          1            09/27/02         01
    0414881219                           05           11/01/02         25
    0414881219                           O            10/01/32
    0

    8069169          E22/G02             F          275,625.00         ZZ
                                         360        275,625.00          4
                                       7.125          1,856.94         75
                                       6.875          1,856.94
    PORT HUENEME     CA   93041          1            09/20/02         00
    0414883892                           05           11/01/02          0
    0414883892                           N            10/01/32
    0

    8069213          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       7.250            682.18         80
                                       7.000            682.18
    PLANO            TX   75074          5            09/27/02         00
    0414918888                           05           11/01/02          0
    0414918888                           N            10/01/32
    0

    8069231          E22/G02             F          134,900.00         ZZ
                                         360        134,900.00          1
1

                                       6.750            874.96         95
                                       6.500            874.96
    OLATHE           KS   66061          5            09/20/02         01
    0414935593                           05           11/01/02         30
    0414935593                           O            10/01/32
    0

    8069247          E22/G02             F          157,500.00         ZZ
                                         360        157,500.00          1
                                       6.375            982.60         65
                                       6.125            982.60
    ORTONVILLE       MI   48462          5            09/23/02         00
    0414948265                           05           11/01/02          0
    0414948265                           O            10/01/32
    0

    8069251          E22/G02             F           97,800.00         ZZ
                                         360         97,800.00          1
                                       6.500            618.16         60
                                       6.250            618.16
    COLORADO SPRING  CO   80911          1            09/27/02         00
    0414948836                           03           11/01/02          0
    0414948836                           N            10/01/32
    0

    8069299          E22/G02             F          132,400.00         ZZ
                                         360        132,400.00          1
                                       6.625            847.77         69
                                       6.375            847.77
    ACWORTH          GA   30102          5            09/23/02         00
    0414988659                           05           11/01/02          0
    0414988659                           O            10/01/32
    0

    8069321          E22/G02             F           93,600.00         ZZ
                                         360         93,600.00          1
                                       6.750            607.09         80
                                       6.500            607.09
    BEND             OR   97702          1            09/13/02         00
    0414997395                           05           11/01/02          0
    0414997395                           N            10/01/32
    0

    8069325          E22/G02             F          232,000.00         ZZ
                                         360        232,000.00          1
                                       6.875          1,524.07         80
                                       6.625          1,524.07
    CORAL SPRINGS    FL   33076          5            09/23/02         00
    0414999672                           03           11/01/02          0
1

    0414999672                           O            10/01/32
    0

    8069347          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.500            755.15         80
                                       7.250            755.15
    NASHUA           NH   03060          5            09/20/02         00
    0414805663                           01           11/01/02          0
    0414805663                           O            10/01/32
    0

    8069375          E22/G02             F           99,600.00         ZZ
                                         360         99,600.00          1
                                       6.500            629.54         60
                                       6.250            629.54
    COLORADO SPRING  CO   80911          1            09/27/02         00
    0414933697                           03           11/01/02          0
    0414933697                           N            10/01/32
    0

    8069385          E22/G02             F          106,125.00         ZZ
                                         360        106,125.00          1
                                       7.375            732.98         75
                                       7.125            732.98
    DENVER           CO   80239          1            09/27/02         00
    0415008309                           05           11/01/02          0
    0415008309                           N            10/01/32
    0

    8069735          W39/G02             F          138,800.00         ZZ
                                         360        138,800.00          1
                                       6.375            865.93         80
                                       6.125            865.93
    HATTIESBURG      MS   39402          1            09/25/02         00
    0434685723                           05           11/01/02          0
    LA023670                             O            10/01/32
    0

    8069941          K15/G02             F          100,500.00         ZZ
                                         360        100,500.00          1
                                       6.500            635.23         74
                                       6.250            635.23
    MANCHESTER       NH   03103          5            09/25/02         00
    0434649455                           05           11/01/02          0
    007605310090                         O            10/01/32
    0

1

    8070117          X72/G02             F          232,600.00         ZZ
                                         360        232,600.00          1
                                       6.375          1,451.12         71
                                       6.125          1,451.12
    BOULDER          CO   80303          2            09/30/02         00
    0434671194                           05           11/01/02          0
    15019231                             N            10/01/32
    0

    8070141          W02/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.625            870.83         93
                                       6.375            870.83
    LARGO            FL   33774          5            09/17/02         11
    0434649620                           05           11/01/02         30
    1001533511                           O            10/01/32
    0

    8070181          477/G02             F          150,400.00         ZZ
                                         360        150,400.00          1
                                       6.750            975.49         80
                                       6.500            975.49
    COLTON           OR   97017          5            09/11/02         00
    0434655031                           05           11/01/02          0
    258019                               O            10/01/32
    0

    8070223          W02/G02             F           87,000.00         ZZ
                                         360         87,000.00          3
                                       6.875            571.53         63
                                       6.625            571.53
    CLEARWATER       FL   33755          5            09/20/02         00
    0434649299                           05           11/01/02          0
    1001446839                           N            10/01/32
    0

    8070225          962/G02             F           76,500.00         ZZ
                                         360         76,500.00          3
                                       7.250            521.86         90
                                       7.000            521.86
    FARGO            ND   58102          1            09/27/02         14
    0434670006                           05           11/01/02         25
    2002598                              N            10/01/32
    0

    8070617          N47/G02             F          140,000.00         ZZ
                                         360        140,000.00          2
                                       7.125            943.21         80
                                       6.875            943.21
1

    TURLOCK          CA   95380          2            09/16/02         00
    0434715900                           05           11/01/02          0
    20120845                             N            10/01/32
    0

    8070627          S27/G02             F          110,105.00         ZZ
                                         360        110,105.00          1
                                       7.375            760.47         95
                                       7.125            760.47
    PORT SAINT LUCI  FL   34952          1            09/23/02         01
    0434660098                           05           11/01/02         30
    10900006418                          O            10/01/32
    0

    8070635          N47/G02             F          140,000.00         ZZ
                                         360        140,000.00          2
                                       7.125            943.21         80
                                       6.875            943.21
    TURLOCK          CA   95380          2            09/16/02         00
    0434699641                           05           11/01/02          0
    20120844                             N            10/01/32
    0

    8070655          P67/G02             F          268,000.00         ZZ
                                         360        268,000.00          1
                                       6.375          1,671.97         80
                                       6.125          1,671.97
    WILMINGTON       MA   01887          5            09/25/02         00
    0434664306                           05           11/01/02          0
    1                                    O            10/01/32
    0

    8070735          B49/G02             F          194,750.00         ZZ
                                         360        194,750.00          1
                                       6.625          1,247.01         95
                                       6.375          1,247.01
    COLORADO SPRING  CO   80922          1            09/30/02         11
    0434660114                           05           11/01/02         30
    000266120116                         O            10/01/32
    0

    8070745          K15/G02             F          266,000.00         ZZ
                                         360        266,000.00          1
                                       6.500          1,681.30         80
                                       6.250          1,681.30
    HUNTINGTON STAT  NY   11746          5            09/18/02         00
    0434651345                           05           11/01/02          0
    020605300024                         O            10/01/32
    0
1

    8071457          K15/G02             F           84,400.00         ZZ
                                         360         84,400.00          1
                                       6.625            540.42         50
                                       6.375            540.42
    DENVER           CO   80219          5            09/23/02         00
    0434649646                           05           11/01/02          0
    023405300007                         O            10/01/32
    0

    8071695          696/G02             F          143,900.00         ZZ
                                         360        143,900.00          1
                                       6.875            945.32         80
                                       6.625            945.32
    SPRINGFIELD      VA   22152          1            09/23/02         00
    0434704771                           01           11/01/02          0
    21702220                             O            10/01/32
    0

    8072297          E82/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.875            998.53         68
                                       6.625            998.53
    SAN DIEGO        CA   92128          5            09/25/02         00
    0400664645                           01           11/01/02          0
    0400664645                           O            10/01/32
    0

    8072573          E82/G02             F           94,000.00         ZZ
                                         360         94,000.00          1
                                       6.375            586.44         78
                                       6.125            586.44
    DAVENPORT        FL   33837          2            09/26/02         00
    0400699203                           03           11/01/02          0
    1929606                              O            10/01/32
    0

    8072577          E82/G02             F          112,100.00         ZZ
                                         360        112,100.00          1
                                       6.750            727.08         78
                                       6.500            727.08
    PROVO            UT   84606          2            09/30/02         00
    0400677290                           01           11/01/02          0
    3695016                              N            10/01/32
    0

    8072617          E22/G02             F          295,000.00         ZZ
                                         240        295,000.00          1
1

                                       6.750          2,243.07         85
                                       6.500          2,243.07
    BILLERICA        MA   01821          2            09/25/02         01
    0414289215                           05           11/01/02         12
    0414289215                           O            10/01/22
    0

    8072619          E22/G02             F          113,500.00         ZZ
                                         360        113,500.00          1
                                       6.750            736.16         68
                                       6.500            736.16
    PLAINWELL        MI   49080          2            09/24/02         00
    0414352492                           05           11/01/02          0
    0414352492                           O            10/01/32
    0

    8072627          E22/G02             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       6.500            790.09         61
                                       6.250            790.09
    WESTERLY         RI   02891          1            09/30/02         00
    0414518662                           05           11/01/02          0
    0414518662                           N            10/01/32
    0

    8072637          E22/G02             F          114,000.00         ZZ
                                         360        114,000.00          1
                                       7.500            797.10         95
                                       7.250            797.10
    TAFT             CA   93268          2            09/25/02         01
    0414559559                           05           11/01/02         30
    0414559559                           O            10/01/32
    0

    8072715          E22/G02             F           48,805.00         ZZ
                                         360         48,805.00          1
                                       7.375            337.08         79
                                       7.125            337.08
    KALAMAZOO TOWNS  MI   49001          1            09/30/02         00
    0414749457                           05           11/01/02          0
    0414749457                           N            10/01/32
    0

    8072717          E22/G02             F          202,000.00         ZZ
                                         360        202,000.00          1
                                       7.375          1,395.16         73
                                       7.125          1,395.16
    MACOMB TWP       MI   48044          2            09/25/02         00
    0414750539                           05           11/01/02          0
1

    0414750539                           O            10/01/32
    0

    8072761          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.500            632.07         64
                                       6.250            632.07
    LAINGSBURG       MI   48848          5            09/24/02         00
    0414798264                           05           11/01/02          0
    0414798264                           O            10/01/32
    0

    8072821          E22/G02             F          228,000.00         ZZ
                                         360        228,000.00          1
                                       6.750          1,478.80         80
                                       6.500          1,478.80
    SEVERNA PARK     MD   21146          2            09/25/02         00
    0414810242                           05           11/01/02          0
    0414810242                           O            10/01/32
    0

    8072851          E22/G02             F           87,000.00         ZZ
                                         360         87,000.00          1
                                       6.750            564.28         63
                                       6.500            564.28
    COLOMA           MI   49038          5            09/25/02         00
    0414824516                           05           11/01/02          0
    0414824516                           O            10/01/32
    0

    8072853          E22/G02             F          135,200.00         ZZ
                                         360        135,200.00          1
                                       6.500            854.56         80
                                       6.250            854.56
    ATHENS           AL   35613          2            09/25/02         00
    0414827014                           05           11/01/02          0
    0414827014                           O            10/01/32
    0

    8072873          E22/G02             F           99,000.00         ZZ
                                         360         99,000.00          1
                                       6.625            633.91         55
                                       6.375            633.91
    PUEBLO           CO   81004          2            09/24/02         00
    0414835421                           05           11/01/02          0
    0414835421                           O            10/01/32
    0

1

    8072875          E22/G02             F           53,675.00         ZZ
                                         360         53,675.00          1
                                       6.750            348.14         95
                                       6.500            348.14
    HOUSTON          TX   77063          1            09/30/02         01
    0414835520                           01           11/01/02         30
    0414835520                           O            10/01/32
    0

    8072881          E22/G02             F          216,000.00         ZZ
                                         360        216,000.00          1
                                       6.375          1,347.56         80
                                       6.125          1,347.56
    DRIPPING SPRING  TX   78620          5            09/25/02         00
    0414838128                           05           11/01/02          0
    0414838128                           O            10/01/32
    0

    8072883          E22/G02             F          107,500.00         ZZ
                                         360        107,500.00          1
                                       6.750            697.24         64
                                       6.500            697.24
    POMPANO BEACH    FL   33062          2            09/25/02         00
    0414839134                           06           11/01/02          0
    0414839134                           O            10/01/32
    0

    8072885          E22/G02             F          245,000.00         ZZ
                                         360        245,000.00          3
                                       7.750          1,755.21         70
                                       7.500          1,755.21
    RICHMOND         CA   94804          5            09/24/02         00
    0414839514                           05           11/01/02          0
    0414839514                           N            10/01/32
    0

    8072889          E22/G02             F           98,000.00         ZZ
                                         360         98,000.00          1
                                       6.750            635.63         70
                                       6.500            635.63
    LOS OSOS         CA   93402          1            09/23/02         00
    0414840686                           01           11/01/02          0
    0414840686                           N            10/01/32
    0

    8072901          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          2
                                       6.875          1,576.63         80
                                       6.625          1,576.63
1

    ELIZABETH        NJ   07208          1            09/30/02         00
    0414846014                           05           11/01/02          0
    0414846014                           O            10/01/32
    0

    8072909          E22/G02             F           77,400.00         ZZ
                                         360         77,400.00          1
                                       6.375            482.88         90
                                       6.125            482.88
    CHARLOTTE        NC   28226          2            09/24/02         10
    0414846683                           01           11/01/02         25
    0414846683                           O            10/01/32
    0

    8072913          E22/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.500            707.92         56
                                       6.250            707.92
    ALBUQUERQUE      NM   87104          2            09/25/02         00
    0414849919                           05           11/01/02          0
    0414849919                           O            10/01/32
    0

    8072915          E22/G02             F          130,055.00         ZZ
                                         360        130,055.00          3
                                       7.000            865.26         95
                                       6.750            865.26
    GRETNA           LA   70053          1            09/30/02         04
    0414850479                           05           11/01/02         30
    0414850479                           O            10/01/32
    0

    8072941          E22/G02             F          133,000.00         ZZ
                                         360        133,000.00          1
                                       7.125            896.05         65
                                       6.875            896.05
    JOHNSTOWN        CO   80534          1            09/30/02         00
    0414865121                           03           11/01/02          0
    0414865121                           N            10/01/32
    0

    8072949          E22/G02             F          134,000.00         ZZ
                                         360        134,000.00          1
                                       7.125            902.78         66
                                       6.875            902.78
    JOHNSTOWN        CO   80534          1            09/30/02         00
    0414867069                           03           11/01/02          0
    0414867069                           N            10/01/32
    0
1

    8072979          E22/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.750            985.87         80
                                       6.500            985.87
    HOUSTON          TX   77009          5            09/25/02         00
    0414880146                           05           11/01/02          0
    0414880146                           O            10/01/32
    0

    8073019          E22/G02             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       6.625          1,248.61         72
                                       6.375          1,248.61
    CHINO HILLS      CA   91709          5            09/22/02         00
    0414883611                           05           11/01/02          0
    0414883611                           O            10/01/32
    0

    8073041          E22/G02             F          120,550.00         ZZ
                                         360        120,550.00          1
                                       7.250            822.36         56
                                       7.000            822.36
    ROUND ROCK       TX   78664          5            09/25/02         00
    0414896563                           05           11/01/02          0
    0414896563                           O            10/01/32
    0

    8073055          E22/G02             F          124,300.00         ZZ
                                         360        124,300.00          1
                                       6.625            795.91         70
                                       6.375            795.91
    SAGINAW          MI   48603          2            09/24/02         00
    0414902734                           05           11/01/02          0
    0414902734                           O            10/01/32
    0

    8073061          E22/G02             F          258,875.00         ZZ
                                         360        258,875.00          1
                                       7.375          1,787.99         95
                                       7.125          1,787.99
    BALDWIN          NY   11510          1            09/30/02         04
    0414904920                           05           11/01/02         35
    0414904920                           O            10/01/32
    0

    8073069          E22/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
1

                                       6.375          1,272.69         67
                                       6.125          1,272.69
    OSPREY           FL   34229          5            09/25/02         00
    0414907857                           05           11/01/02          0
    0414907857                           O            10/01/32
    0

    8073099          E22/G02             F          156,000.00         ZZ
                                         360        156,000.00          1
                                       6.875          1,024.81         76
                                       6.625          1,024.81
    HOLBROOK         NY   11741          5            09/24/02         00
    0414917682                           05           11/01/02          0
    0414917682                           O            10/01/32
    0

    8073111          E22/G02             F          124,000.00         ZZ
                                         360        124,000.00          1
                                       6.500            783.76         80
                                       6.250            783.76
    RIVERSIDE        CA   92503          1            09/24/02         00
    0414920488                           05           11/01/02          0
    0414920488                           N            10/01/32
    0

    8073143          E22/G02             F          141,950.00         ZZ
                                         360        141,950.00          1
                                       6.375            885.58         85
                                       6.125            885.58
    BENNET           NE   68317          2            09/24/02         04
    0414927475                           05           11/01/02         12
    0414927475                           O            10/01/32
    0

    8073175          E22/G02             F           64,000.00         ZZ
                                         360         64,000.00          2
                                       7.000            425.79         80
                                       6.750            425.79
    MARIETTA         GA   30060          1            09/30/02         00
    0414935072                           05           11/01/02          0
    0414935072                           N            10/01/32
    0

    8073183          E22/G02             F          238,000.00         ZZ
                                         360        238,000.00          1
                                       6.375          1,484.81         85
                                       6.125          1,484.81
    CITRUS HEIGHTS   CA   95621          5            09/24/02         01
    0414936658                           05           11/01/02         12
1

    0414936658                           O            10/01/32
    0

    8073209          E22/G02             F          244,112.00         ZZ
                                         360        244,112.00          1
                                       6.750          1,583.31         80
                                       6.500          1,583.31
    GAITHERSBURG     MD   20878          1            09/30/02         00
    0414944942                           09           11/01/02          0
    0414944942                           O            10/01/32
    0

    8073221          E22/G02             F          133,000.00         ZZ
                                         360        133,000.00          1
                                       7.250            907.29         72
                                       7.000            907.29
    ROYAL PALM BEAC  FL   33411          5            09/24/02         00
    0414946319                           05           11/01/02          0
    0414946319                           O            10/01/32
    0

    8073349          E22/G02             F          216,000.00         ZZ
                                         360        216,000.00          1
                                       6.500          1,365.27         80
                                       6.250          1,365.27
    SACRAMENTO       CA   95818          5            09/20/02         00
    0414975565                           05           11/01/02          0
    0414975565                           O            10/01/32
    0

    8073363          E22/G02             F           48,000.00         ZZ
                                         360         48,000.00          1
                                       7.250            327.44         80
                                       7.000            327.44
    DAYTON           OH   45405          1            09/30/02         00
    0414976829                           05           11/01/02          0
    0414976829                           N            10/01/32
    0

    8073367          E22/G02             F           37,600.00         ZZ
                                         360         37,600.00          1
                                       7.250            256.50         80
                                       7.000            256.50
    DAYTON           OH   45405          1            09/30/02         00
    0414977967                           05           11/01/02          0
    0414977967                           N            10/01/32
    0

1

    8073379          E22/G02             F           86,500.00         ZZ
                                         360         86,500.00          1
                                       6.875            568.24         95
                                       6.625            568.24
    CHATTANOOGA      TN   37412          5            09/25/02         10
    0414980029                           05           11/01/02         30
    0414980029                           O            10/01/32
    0

    8073389          E22/G02             F           96,800.00         ZZ
                                         360         96,800.00          1
                                       6.500            611.84         80
                                       6.250            611.84
    AUSTIN           TX   78745          5            09/25/02         00
    0414985143                           05           11/01/02          0
    0414985143                           O            10/01/32
    0

    8073397          E22/G02             F           88,500.00         ZZ
                                         360         88,500.00          1
                                       6.375            552.12         57
                                       6.125            552.12
    CORAL SPRINGS    FL   33065          2            09/25/02         00
    0414987024                           05           11/01/02          0
    0414987024                           O            10/01/32
    0

    8073437          E22/G02             F           94,400.00         ZZ
                                         360         94,400.00          1
                                       7.250            643.97         80
                                       7.000            643.97
    PUEBLO           CO   81008          1            09/30/02         00
    0415000702                           05           11/01/02          0
    0415000702                           N            10/01/32
    0

    8073445          E22/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.500            733.20         80
                                       6.250            733.20
    PLANTATION       FL   33324          1            09/30/02         00
    0415007244                           09           11/01/02          0
    0415007244                           N            10/01/32
    0

    8073451          E22/G02             F          292,000.00         ZZ
                                         360        292,000.00          1
                                       6.750          1,893.91         80
                                       6.500          1,893.91
1

    VALLEJO          CA   94591          5            09/23/02         00
    0415007707                           05           11/01/02          0
    0415007707                           O            10/01/32
    0

    8073461          E22/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.375          1,559.67         71
                                       6.125          1,559.67
    CARY             NC   27511          2            09/25/02         00
    0415012053                           05           11/01/02          0
    0415012053                           O            10/01/32
    0

    8073473          E22/G02             F           94,600.00         ZZ
                                         360         94,600.00          2
                                       7.250            645.34         80
                                       7.000            645.34
    FRESNO           CA   93703          1            09/24/02         00
    0415017730                           05           11/01/02          0
    0415017730                           N            10/01/32
    0

    8073481          E22/G02             F          102,750.00         ZZ
                                         360        102,750.00          1
                                       7.250            700.94         75
                                       7.000            700.94
    PUEBLO           CO   81001          5            09/30/02         00
    0415025311                           05           11/01/02          0
    0415025311                           N            10/01/32
    0

    8073501          E22/G02             F           93,000.00         ZZ
                                         360         93,000.00          1
                                       7.375            642.33         75
                                       7.125            642.33
    PUEBLO           CO   81001          5            09/30/02         00
    0415042365                           05           11/01/02          0
    0415042365                           N            10/01/32
    0

    8073503          E22/G02             F          101,600.00         ZZ
                                         360        101,600.00          1
                                       7.375            701.73         80
                                       7.125            701.73
    PUEBLO           CO   81001          1            09/30/02         00
    0415042415                           05           11/01/02          0
    0415042415                           N            10/01/32
    0
1

    8073509          E22/G02             F          236,000.00         ZZ
                                         360        236,000.00          1
                                       6.625          1,511.13         80
                                       6.375          1,511.13
    RONKONKOMA       NY   11779          5            09/25/02         00
    0415047240                           05           11/01/02          0
    0415047240                           O            10/01/32
    0

    8073525          E22/G02             F          110,400.00         ZZ
                                         360        110,400.00          1
                                       7.250            753.12         80
                                       7.000            753.12
    PUEBLO           CO   81005          1            09/30/02         00
    0415064955                           05           11/01/02          0
    0415064955                           N            10/01/32
    0

    8073535          E22/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.500          1,643.38         58
                                       6.250          1,643.38
    WOBURN           MA   01801          5            09/25/02         00
    0415077361                           05           11/01/02          0
    0415077361                           O            10/01/32
    0

    8073543          E22/G02             F          355,000.00         ZZ
                                         360        355,000.00          2
                                       6.500          2,243.84         79
                                       6.250          2,243.84
    CARLSTADT        NJ   07072          1            09/30/02         00
    0415087469                           05           11/01/02          0
    0415087469                           O            10/01/32
    0

    8073613          E47/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.500            758.48         80
                                       6.250            758.48
    ELIZABETH        CO   80107          1            09/18/02         00
    0434684858                           05           11/01/02          0
    7332021349                           N            10/01/32
    0

    8073623          S43/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
1

                                       6.750            570.77         70
                                       6.500            570.77
    ALBUQUERQUE      NM   87107          2            09/26/02         00
    0434659918                           05           11/01/02          0
    020613                               N            10/01/32
    0

    8073631          X67/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
                                       6.125          1,306.36         71
                                       5.875          1,306.36
    HACIENDA  HEIGH  CA   91745          2            09/11/02         00
    0434669685                           05           11/01/02          0
    00269345                             N            10/01/32
    0

    8073701          X80/G02             F          261,000.00         ZZ
                                         360        261,000.00          4
                                       6.375          1,628.30         90
                                       6.125          1,628.30
    SACRAMENTO       CA   95821          1            09/10/02         11
    0434684528                           05           11/01/02         25
    1410051113                           N            10/01/32
    0

    8073835          B43/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.500          1,896.20         75
                                       6.250          1,896.20
    PADUCAH          KY   42001          5            09/18/02         00
    0434676706                           05           11/01/02          0
    28739                                O            10/01/32
    0

    8073839          X75/G02             F          255,000.00         ZZ
                                         360        255,000.00          1
                                       6.875          1,675.17         82
                                       6.625          1,675.17
    SALIDA           CA   95368          5            09/16/02         10
    0434666723                           05           11/01/02         12
    02080211                             O            10/01/32
    0

    8073857          B39/G02             F          276,500.00         ZZ
                                         360        276,500.00          1
                                       6.750          1,793.37         76
                                       6.500          1,793.37
    ST. PAUL         MN   55104          5            09/23/02         00
    0434650339                           05           11/01/02          0
1

    20022328F                            O            10/01/32
    0

    8073859          P44/G02             F          240,000.00         ZZ
                                         360        240,000.00          2
                                       6.375          1,497.29         80
                                       6.125          1,497.29
    DENNIS (DENNISP  MA   02639          1            09/30/02         00
    0434698908                           05           11/01/02          0
    0011982                              N            10/01/32
    0

    8074155          N74/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       6.500            556.22         93
                                       6.250            556.22
    SHERWOOD         AR   72120          2            09/24/02         10
    0434648291                           05           11/01/02         30
    0030772010                           O            10/01/32
    0

    8074167          N74/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       6.500            455.09         78
                                       6.250            455.09
    CLIMAX           NC   27233          2            09/23/02         00
    0434650933                           05           11/01/02          0
    0030761010                           O            10/01/32
    0

    8074221          M37/G02             F          132,400.00         ZZ
                                         360        132,400.00          1
                                       6.375            826.00         80
                                       6.125            826.00
    SCOTTSDALE       AZ   85250          1            09/12/02         00
    0434669776                           05           11/01/02          0
    608938                               O            10/01/32
    0

    8074249          W93/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.750            726.43         80
                                       6.500            726.43
    PHOENIX          AZ   85022          1            09/19/02         00
    0434652251                           01           11/01/02          0
    35414352                             O            10/01/32
    0

1

    8074263          N74/G02             F          165,500.00         ZZ
                                         360        165,500.00          1
                                       6.375          1,032.50         92
                                       6.125          1,032.50
    WHISPERING PINE  NC   28327          2            09/23/02         10
    0434655007                           05           11/01/02         30
    0030748010                           O            10/01/32
    0

    8074293          L20/G02             F          141,000.00         ZZ
                                         360        141,000.00          1
                                       6.750            914.52         77
                                       6.500            914.52
    MERIDIAN         ID   83642          2            09/26/02         00
    0434669347                           03           11/01/02          0
    703153                               N            10/01/32
    0

    8074331          E47/G02             F          232,000.00         ZZ
                                         360        232,000.00          1
                                       6.500          1,466.40         80
                                       6.250          1,466.40
    SAN JOSE         CA   95111          2            09/09/02         00
    0434675682                           01           11/01/02          0
    7333012522                           O            10/01/32
    0

    8074433          N74/G02             F           45,200.00         ZZ
                                         360         45,162.95          1
                                       7.000            300.72         80
                                       6.750            300.72
    MAUMELLE         AR   72113          2            09/27/02         00
    0434648002                           07           10/27/02          0
    0030821010                           N            09/27/32
    0

    8074579          253/253             F          112,800.00         ZZ
                                         360        112,800.00          1
                                       6.375            703.73         80
                                       6.125            703.73
    BEECH GROVE      IN   46107          1            09/16/02         00
    997982                               05           11/01/02          0
    997982                               O            10/01/32
    0

    8074817          K79/G02             F          199,500.00         ZZ
                                         360        199,500.00          1
                                       7.375          1,377.90         73
                                       7.125          1,377.90
1

    DANVERS          MA   01923          2            09/16/02         00
    0434705844                           01           11/01/02          0
    14971                                O            10/01/32
    0

    8074861          L20/G02             F           89,010.00         ZZ
                                         360         89,010.00          1
                                       6.625            569.94         90
                                       6.375            569.94
    BOISE            ID   83700          1            09/26/02         12
    0434669289                           05           11/01/02         25
    1151050004                           O            10/01/32
    0

    8075091          E82/G02             F           75,000.00         ZZ
                                         360         75,000.00          3
                                       7.000            498.98         75
                                       6.750            498.98
    WEST MILTON      OH   45383          2            09/30/02         00
    0400698296                           05           11/01/02          0
    1683210                              N            10/01/32
    0

    8075105          E82/G02             F           44,000.00         ZZ
                                         360         44,000.00          1
                                       7.375            303.90         80
                                       7.125            303.90
    CRESTVIEW        FL   32536          5            09/30/02         00
    0400689139                           05           11/01/02          0
    0400689139                           N            10/01/32
    0

    8075267          E82/G02             F          141,800.00         ZZ
                                         360        141,800.00          4
                                       6.625            907.96         86
                                       6.375            907.96
    FOREST JUNCTION  WI   54123          2            09/12/02         04
    0400674719                           05           11/01/02         25
    1988389                              O            10/01/32
    0

    8075277          E82/G02             F          110,400.00         ZZ
                                         360        110,400.00          3
                                       7.375            762.51         67
                                       7.125            762.51
    HARTFORD         CT   06114          2            09/24/02         00
    0400668794                           05           11/01/02          0
    4138359                              N            10/01/32
    0
1

    8075287          L20/G02             F          163,920.00         ZZ
                                         360        163,920.00          1
                                       6.375          1,022.65         80
                                       6.125          1,022.65
    BOISE            ID   83713          1            09/27/02         00
    0434668539                           03           11/01/02          0
    1151120082                           O            10/01/32
    0

    8075463          E22/G02             F          112,500.00         ZZ
                                         360        112,500.00          4
                                       6.875            739.04         90
                                       6.625            739.04
    AZTEC            NM   87410          1            10/01/02         04
    0414594796                           05           11/01/02         25
    0414594796                           N            10/01/32
    0

    8075499          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.375          1,497.29         80
                                       6.125          1,497.29
    LA(NORTHRIDGE)   CA   91325          5            09/24/02         00
    0414784850                           05           11/01/02          0
    0414784850                           O            10/01/32
    0

    8075503          E22/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.625            845.21         44
                                       6.375            845.21
    IRVINE           CA   92612          2            09/18/02         00
    0414795104                           09           11/01/02          0
    0414795104                           N            10/01/32
    0

    8075549          E22/G02             F          221,000.00         ZZ
                                         360        221,000.00          1
                                       6.375          1,378.75         46
                                       6.125          1,378.75
    ROSEVILLE        CA   95661          2            09/14/02         00
    0414871301                           03           11/01/02          0
    0414871301                           O            10/01/32
    0

    8075579          E22/G02             F          131,200.00         ZZ
                                         360        131,200.00          1
1

                                       6.875            861.89         80
                                       6.625            861.89
    SARASOTA         FL   34237          2            09/26/02         00
    0414916700                           05           11/01/02          0
    0414916700                           O            10/01/32
    0

    8075595          E22/G02             F          160,110.00         ZZ
                                         360        160,110.00          1
                                       6.750          1,038.47         90
                                       6.500          1,038.47
    CENTERVILLE      UT   84014          1            09/27/02         01
    0414940460                           05           11/01/02         30
    0414940460                           O            10/01/32
    0

    8075607          E22/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       6.625            922.05         90
                                       6.375            922.05
    WHEELING         IL   60090          1            10/01/02         01
    0414948638                           05           11/01/02         25
    0414948638                           N            10/01/32
    0

    8075631          E22/G02             F           68,000.00         ZZ
                                         360         68,000.00          1
                                       6.875            446.71         80
                                       6.625            446.71
    HOUSTON          TX   77084          5            09/26/02         00
    0414971309                           03           11/01/02          0
    0414971309                           O            10/01/32
    0

    8075659          E22/G02             F          190,106.00         ZZ
                                         360        190,106.00          4
                                       6.625          1,217.27         90
                                       6.375          1,217.27
    BOISE            ID   83702          1            09/25/02         04
    0415005230                           05           11/01/02         25
    0415005230                           N            10/01/32
    0

    8075681          E22/G02             F          103,200.00         ZZ
                                         360        103,200.00          1
                                       6.750            669.35         80
                                       6.500            669.35
    MOUNT CLEMENS    MI   48043          2            09/26/02         00
    0415027531                           05           11/01/02          0
1

    0415027531                           O            10/01/32
    0

    8075823          R26/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.375            623.87         58
                                       6.125            623.87
    BROCKTON         MA   02302          5            09/20/02         00
    0434669941                           05           11/01/02          0
    003786                               O            10/01/32
    0

    8075827          E57/G02             F          222,000.00         ZZ
                                         360        222,000.00          1
                                       6.750          1,439.89         70
                                       6.500          1,439.89
    WESTMINSTER      CA   92683          2            09/23/02         00
    0434690871                           05           11/01/02          0
    05000647                             O            10/01/32
    0

    8076621          U05/G02             F          259,000.00         ZZ
                                         360        259,000.00          1
                                       6.500          1,637.06         80
                                       6.250          1,637.06
    TEMECULA         CA   92592          5            09/17/02         00
    0434673661                           03           11/01/02          0
    3260844                              O            10/01/32
    0

    8076651          P09/G02             F          261,000.00         ZZ
                                         360        261,000.00          1
                                       6.375          1,628.30         60
                                       6.125          1,628.30
    CLIFTON          VA   20124          5            09/27/02         00
    0434669594                           05           11/01/02          0
    R0208560                             O            10/01/32
    0

    8076659          P30/G02             F          148,500.00         ZZ
                                         360        148,500.00          1
                                       6.750            963.17         90
                                       6.500            963.17
    WEAVERVILLE      NC   28787          1            09/27/02         11
    0434669586                           05           11/01/02         25
    0609917                              O            10/01/32
    0

1

    8076663          X82/G02             F          251,000.00         ZZ
                                         360        251,000.00          1
                                       7.000          1,669.91         90
                                       6.750          1,669.91
    HAYMARKET        VA   20169          1            09/26/02         12
    0434685764                           03           11/01/02         25
    839679                               N            10/01/32
    0

    8076753          Q14/G02             F           93,000.00         ZZ
                                         360         93,000.00          1
                                       6.875            610.94         79
                                       6.625            610.94
    LANSING          MI   48910          5            09/25/02         00
    0434651261                           05           11/01/02          0
    02-09098                             O            10/01/32
    0

    8076757          H58/G02             F          272,800.00         ZZ
                                         360        272,800.00          1
                                       6.750          1,769.38         80
                                       6.500          1,769.38
    GRASS VALLEY     CA   95949          2            09/13/02         00
    0434663290                           05           11/01/02          0
    0000110021                           O            10/01/32
    0

    8076777          G34/G02             F          118,000.00         ZZ
                                         360        118,000.00          1
                                       7.000            785.06         61
                                       6.750            785.06
    PACOIMA          CA   91331          5            09/19/02         00
    0434674149                           05           11/01/02          0
    41000246                             N            10/01/32
    0

    8076933          313/G02             F           90,250.00         ZZ
                                         360         90,250.00          1
                                       7.000            600.44         95
                                       6.750            600.44
    EL MIRAGE        AZ   85335          5            09/17/02         11
    0434685350                           05           11/01/02         30
    0008983843                           O            10/01/32
    0

    8076949          313/G02             F          105,600.00         ZZ
                                         360        105,600.00          1
                                       6.500            667.47         80
                                       6.250            667.47
1

    MESA             AZ   85204          1            09/25/02         00
    0434659843                           05           11/01/02          0
    9024498                              N            10/01/32
    0

    8077127          F62/F62             F           84,000.00         ZZ
                                         360         84,000.00          1
                                       7.250            573.03         80
                                       7.000            573.03
    POMPANO BEACH    FL   33069          1            09/23/02         00
    28714                                01           11/01/02          0
    28714                                N            10/01/32
    0

    8077171          R84/G02             F          130,000.00         ZZ
                                         360        129,879.60          2
                                       6.375            811.03         73
                                       6.125            811.03
    OLYMPIA          WA   98513          2            08/16/02         00
    0434703211                           05           10/01/02          0
    WA800245                             N            09/01/32
    0

    8077179          R84/G02             F          130,000.00         ZZ
                                         360        129,879.60          2
                                       6.375            811.03         73
                                       6.125            811.03
    OLYMPIA          WA   98513          2            08/16/02         00
    0434703278                           05           10/01/02          0
    WA800238                             N            09/01/32
    0

    8077181          G34/G02             F          175,500.00         ZZ
                                         360        175,500.00          1
                                       6.875          1,152.91         90
                                       6.625          1,152.91
    LAS VEGAS        NV   89117          1            09/26/02         01
    0434675351                           03           11/01/02         30
    39012148                             N            10/01/32
    0
1

    8077893          T44/G02             F          142,000.00         ZZ
                                         360        142,000.00          1
                                       6.750            921.01         51
                                       6.500            921.01
    SEATTLE          WA   98115          2            09/12/02         00
    0434675203                           05           11/01/02          0
    1051529                              N            10/01/32
    0

    8078635          W02/G02             F          157,000.00         ZZ
                                         360        157,000.00          1
                                       6.625          1,005.29         89
                                       6.375          1,005.29
    PLANTATION       FL   33317          5            09/24/02         12
    0434678843                           05           11/01/02         25
    1001526186                           O            10/01/32
    0

    8078739          E22/G02             F          360,000.00         ZZ
                                         360        360,000.00          2
                                       6.625          2,305.12         43
                                       6.375          2,305.12
    SAN FRANCISCO    CA   94114          5            09/18/02         00
    0414839217                           05           11/01/02          0
    0414839217                           O            10/01/32
    0

    8078749          E22/G02             F          227,000.00         ZZ
                                         360        227,000.00          1
                                       6.500          1,434.79         80
                                       6.250          1,434.79
    BOULDER          CO   80303          1            10/01/02         00
    0414873117                           05           11/01/02          0
    0414873117                           O            10/01/32
    0

    8078763          E22/G02             F          284,000.00         ZZ
                                         360        284,000.00          1
                                       6.375          1,771.79         80
                                       6.125          1,771.79
    WINCHESTER       CT   06094          1            10/02/02         00
    0414878900                           05           11/01/02          0
    0414878900                           O            10/01/32
    0

    8078779          E22/G02             F           43,000.00         ZZ
                                         360         43,000.00          1
1

                                       7.250            293.34         56
                                       7.000            293.34
    PUEBLO           CO   81003          2            10/02/02         00
    0414906909                           05           11/01/02          0
    0414906909                           N            10/01/32
    0

    8078795          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.500            884.90         80
                                       6.250            884.90
    BELLEVILLE       MI   48111          1            10/02/02         00
    0415125384                           05           11/01/02          0
    0415125384                           O            10/01/32
    0

    8078865          E22/G02             F          162,000.00         ZZ
                                         360        162,000.00          1
                                       6.750          1,050.73         66
                                       6.500          1,050.73
    RANDOLPH         MA   02368          1            10/02/02         00
    0414947150                           05           11/01/02          0
    0414947150                           N            10/01/32
    0

    8078903          E22/G02             F           83,500.00         ZZ
                                         360         83,500.00          1
                                       6.500            527.78         62
                                       6.250            527.78
    EUGENE           OR   97404          2            09/25/02         00
    0414964791                           05           11/01/02          0
    0414964791                           N            10/01/32
    0

    8078905          E22/G02             F           84,500.00         ZZ
                                         360         84,500.00          1
                                       6.625            541.06         63
                                       6.375            541.06
    EUGENE           OR   97401          2            09/25/02         00
    0414964932                           07           11/01/02          0
    0414964932                           N            10/01/32
    0

    8078915          E22/G02             F          165,750.00         ZZ
                                         360        165,750.00          4
                                       7.000          1,102.74         85
                                       6.750          1,102.74
    MOUNTAIN HOME    ID   83634          2            09/25/02         04
    0414985283                           05           11/01/02         25
1

    0414985283                           N            10/01/32
    0

    8078951          E22/G02             F          252,000.00         ZZ
                                         360        252,000.00          1
                                       6.625          1,613.58         79
                                       6.375          1,613.58
    AUSTIN           TX   78705          5            09/25/02         00
    0415018944                           05           11/01/02          0
    0415018944                           O            10/01/32
    0

    8078991          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.500          1,516.96         80
                                       6.250          1,516.96
    WASHOUGAL        WA   98671          5            09/26/02         00
    0415054493                           05           11/01/02          0
    0415054493                           O            10/01/32
    0

    8079001          E22/G02             F          165,750.00         ZZ
                                         360        165,750.00          4
                                       7.000          1,102.74         85
                                       6.750          1,102.74
    MOUNTAIN HOME    ID   83647          2            09/25/02         04
    0415058239                           05           11/01/02         25
    0415058239                           N            10/01/32
    0

    8079003          E22/G02             F          165,750.00         ZZ
                                         360        165,750.00          4
                                       7.000          1,102.74         85
                                       6.750          1,102.74
    MOUNTAIN HOME    ID   83647          2            09/25/02         04
    0415058270                           05           11/01/02         25
    0415058270                           N            10/01/32
    0

    8079005          E22/G02             F          165,750.00         ZZ
                                         360        165,750.00          4
                                       7.000          1,102.74         85
                                       6.750          1,102.74
    MOUNTAIN HOME    ID   83647          2            09/25/02         04
    0415058437                           05           11/01/02         25
    0415058437                           N            10/01/32
    0

1

    8080435          K79/G02             F          236,800.00         ZZ
                                         360        236,800.00          3
                                       6.750          1,535.88         79
                                       6.500          1,535.88
    TAUNTON          MA   02780          2            10/02/02         00
    0434696266                           05           11/01/02          0
    15278                                N            10/01/32
    0

    8080975          A06/G02             F          289,600.00         ZZ
                                         360        289,600.00          1
                                       6.875          1,902.47         80
                                       6.625          1,902.47
    LAPEER           MI   48446          2            09/26/02         00
    0434671798                           05           11/01/02          0
    1000020222582                        O            10/01/32
    0

    8081133          893/G02             F          263,200.00         ZZ
                                         360        263,200.00          1
                                       6.250          1,620.57         80
                                       6.000          1,620.57
    HAYWARD          CA   94544          5            09/20/02         00
    0434693867                           05           11/01/02          0
    M20911071                            O            10/01/32
    0

    8081147          W50/G02             F          103,500.00         ZZ
                                         360        103,500.00          1
                                       7.250            706.05         90
                                       7.000            706.05
    MINNEAPOLIS      MN   55411          1            09/25/02         01
    0434689915                           05           11/01/02         30
    0021194                              N            10/01/32
    0

    8081617          225/G02             F          284,000.00         ZZ
                                         360        283,533.06          1
                                       7.000          1,889.46         80
                                       6.750          1,889.46
    CARBONADO        WA   98323          1            07/29/02         00
    0434655494                           05           09/01/02          0
    007373684                            O            08/01/32
    0

    8081667          225/G02             F          131,000.00         ZZ
                                         360        130,884.42          1
                                       6.625            838.81         80
                                       6.375            838.81
1

    EASLEY           SC   29642          2            08/15/02         00
    0434656724                           05           10/01/02          0
    007387979                            O            09/01/32
    0

    8081755          225/G02             F          171,000.00         ZZ
                                         360        170,873.09          2
                                       7.500          1,195.66         88
                                       7.250          1,195.66
    WINDHAM          ME   04062          1            08/16/02         14
    0434653242                           05           10/01/02         25
    007394285                            N            09/01/32
    0

    8081761          225/G02             F          348,000.00         ZZ
                                         360        346,019.43          3
                                       7.875          2,523.24         80
                                       7.625          2,523.24
    LOS ANGELES      CA   90028          1            07/23/02         00
    0434653275                           05           09/01/02          0
    007381311                            N            08/01/32
    0

    8081765          225/G02             F          171,000.00         ZZ
                                         360        170,685.23          3
                                       7.500          1,195.66         90
                                       7.250          1,195.66
    PROVIDENCE       RI   02908          1            08/02/02         14
    0434655569                           05           09/01/02         25
    007385508                            N            08/01/32
    0

    8081767          225/G02             F          207,900.00         ZZ
                                         360        207,745.71          4
                                       7.500          1,453.67         70
                                       7.250          1,453.67
    JERSEY CITY      NJ   07306          1            08/29/02         00
    0434655536                           05           10/01/02          0
    006594237                            N            09/01/32
    0

    8081777          225/G02             F          162,000.00         ZZ
                                         360        161,257.23          4
                                       7.500          1,132.73         90
                                       7.250          1,132.73
    SCOTTSDALE       AZ   85251          1            07/29/02         14
    0434653846                           05           09/01/02         25
    007385061                            N            08/01/32
    0
1

    8081779          225/G02             F          162,000.00         ZZ
                                         360        161,258.03          4
                                       7.500          1,132.73         90
                                       7.250          1,132.73
    SCOTTSDALE       AZ   85251          1            07/29/02         14
    0434653838                           05           09/01/02         25
    007385072                            N            08/01/32
    0

    8081791          225/G02             F          270,000.00         ZZ
                                         360        269,799.62          4
                                       7.500          1,887.88         89
                                       7.250          1,887.88
    PHOENIX          AZ   85018          2            08/19/02         10
    0434655635                           05           10/01/02         25
    007391468                            N            09/01/32
    0

    8081833          K15/G02             F          102,500.00         ZZ
                                         360        102,500.00          1
                                       6.875            673.35         82
                                       6.625            673.35
    SAINT FRANCIS    MN   55070          5            09/25/02         41
    0434667390                           05           11/01/02         12
    013105503562                         O            10/01/32
    0

    8081859          Q57/G02             F          429,250.00         ZZ
                                         360        429,250.00          4
                                       6.750          2,784.11         85
                                       6.500          2,784.11
    BROOKFIELD       IL   60513          1            09/27/02         14
    0434686671                           05           11/01/02         25
    36001154                             O            10/01/32
    0

    8082435          E82/G02             F          122,350.00         ZZ
                                         360        122,350.00          1
                                       6.500            773.34         80
                                       6.250            773.34
    BERWYN           PA   19312          2            09/30/02         00
    0400688594                           05           11/01/02          0
    1756922                              O            10/01/32
    0

    8082633          477/G02             F           85,500.00         ZZ
                                         360         85,500.00          1
1

                                       7.375            590.53         90
                                       7.125            590.53
    TEMPE            AZ   85282          1            09/24/02         04
    0434676540                           01           11/01/02         25
    238052                               N            10/01/32
    0

    8082681          E22/G02             F          220,500.00         ZZ
                                         360        220,500.00          1
                                       6.750          1,430.16         70
                                       6.500          1,430.16
    SCOTTSDALE       AZ   85254          5            09/18/02         00
    0414201558                           05           11/01/02          0
    0414201558                           O            10/01/32
    0

    8082735          E22/G02             F           95,900.00         ZZ
                                         360         95,900.00          1
                                       6.500            606.15         54
                                       6.250            606.15
    DAVIE            FL   33325          5            09/27/02         00
    0414807453                           03           11/01/02          0
    0414807453                           O            10/01/32
    0

    8082813          E22/G02             F           61,155.00         ZZ
                                         360         61,155.00          4
                                       7.500            427.60         90
                                       7.250            427.60
    KANSAS CITY      MO   64127          1            10/02/02         01
    0414991547                           05           11/01/02         25
    0414991547                           N            10/01/32
    0

    8083017          477/G02             F          304,000.00         ZZ
                                         360        304,000.00          3
                                       7.125          2,048.10         80
                                       6.875          2,048.10
    BELLFLOWER       CA   90706          1            09/16/02         00
    0434649166                           05           11/01/02          0
    233938                               N            10/01/32
    0

    8083031          S27/G02             F          138,800.00         ZZ
                                         360        138,800.00          1
                                       6.375            865.94         80
                                       6.125            865.94
    SEVIERVILLE      TN   37876          2            09/27/02         00
    0434689394                           05           11/01/02          0
1

    1900000045                           N            10/01/32
    0

    8083219          G18/G02             F          157,500.00         ZZ
                                         360        157,500.00          1
                                       6.750          1,021.54         90
                                       6.500          1,021.54
    BLOOMINGTON      MN   55431          1            09/30/02         12
    0434689295                           05           11/01/02         25
    01DW00204300                         N            10/01/32
    0

    8083223          P27/G02             F           83,500.00         ZZ
                                         360         83,500.00          1
                                       7.375            576.71         95
                                       7.125            576.71
    PORT RICHEY      FL   34668          5            09/17/02         01
    0434696910                           05           11/01/02         30
    IF65735                              O            10/01/32
    0

    8083597          737/G02             F           77,700.00         ZZ
                                         360         77,700.00          1
                                       6.875            510.43         99
                                       6.625            510.43
    WELLFORD         SC   29385          2            09/24/02         01
    0434705257                           05           11/01/02         35
    2077324                              O            10/01/32
    0

    8083653          737/G02             F           82,600.00         ZZ
                                         360         82,600.00          1
                                       6.625            528.90         90
                                       6.375            528.90
    GARLAND          TX   75042          1            09/27/02         01
    0434710901                           05           11/01/02         25
    2084966                              N            10/01/32
    0

    8083855          M27/G02             F          140,000.00         ZZ
                                         360        140,000.00          2
                                       7.125            943.21         80
                                       6.875            943.21
    SAVANNAH         GA   31401          1            09/19/02         00
    0434667697                           05           11/01/02          0
    5000074061                           N            10/01/32
    0

1

    8083969          N47/G02             F          219,000.00         ZZ
                                         360        219,000.00          1
                                       6.750          1,420.43         61
                                       6.500          1,420.43
    SAN DIEGO        CA   92124          2            09/13/02         00
    0434724662                           03           11/01/02          0
    30122456                             O            10/01/32
    0

    8084323          696/G02             F          268,000.00         ZZ
                                         360        268,000.00          1
                                       6.375          1,671.97         80
                                       6.125          1,671.97
    KENSINGTON       MD   20895          5            09/27/02         00
    0434670790                           05           11/01/02          0
    32702182                             O            10/01/32
    0

    8084495          E11/G02             F          203,000.00         ZZ
                                         360        203,000.00          1
                                       6.500          1,283.10         70
                                       6.250          1,283.10
    APPLE VALLEY     MN   55124          1            09/30/02         00
    0434687455                           09           11/01/02          0
    0002001046337                        O            10/01/32
    0

    8084551          E76/G02             F          108,750.00         ZZ
                                         360        108,750.00          1
                                       6.875            714.41         75
                                       6.625            714.41
    AURORA           CO   80010          1            09/26/02         00
    0434673596                           05           11/01/02          0
    10014816                             N            10/01/32
    0

    8084701          E47/G02             F          150,000.00         ZZ
                                         240        150,000.00          1
                                       7.000          1,162.95         78
                                       6.750          1,162.95
    GLENDALE HEIGHT  IL   60139          2            09/20/02         00
    0434681771                           05           11/01/02          0
    7360514328                           O            10/01/22
    0

    8084729          E47/G02             F          112,400.00         ZZ
                                         360        112,400.00          2
                                       6.500            710.44         80
                                       6.250            710.44
1

    CHICAGO          IL   60621          1            09/24/02         00
    0434694519                           05           11/01/02          0
    7360514222                           N            10/01/32
    0

    8084771          S27/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       7.250            409.31         65
                                       7.000            409.31
    DETROIT          MI   48227          5            09/23/02         00
    0434714861                           05           11/01/02          0
    1830001999                           N            10/01/32
    0

    8084853          313/G02             F          102,600.00         ZZ
                                         360        102,600.00          1
                                       6.750            665.47         90
                                       6.500            665.47
    APACHE JUNCTION  AZ   85220          1            09/26/02         12
    0434690186                           05           11/01/02         25
    0009035650                           N            10/01/32
    0

    8084859          F60/G02             F          249,850.00         ZZ
                                         360        249,850.00          1
                                       6.375          1,558.74         95
                                       6.125          1,558.74
    NEW ORLEANS      LA   70124          1            09/20/02         04
    0434689584                           05           11/01/02         30
    447458                               O            10/01/32
    0

    8084867          E47/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       7.500            643.28         80
                                       7.250            643.28
    SACRAMENTO       CA   95822          1            09/13/02         00
    0434689857                           05           11/01/02          0
    7333012516                           N            10/01/32
    0

    8085143          W39/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.375            573.96         80
                                       6.125            573.96
    HATTIESBURG      MS   39402          1            09/27/02         00
    0434710133                           05           11/01/02          0
    LA023555                             O            10/01/32
    0
1

    8085163          U05/G02             F          216,000.00         ZZ
                                         360        216,000.00          2
                                       6.000          1,295.03         48
                                       5.750          1,295.03
    LONG BEACH       CA   90803          2            09/23/02         00
    0434688412                           05           11/01/02          0
    3262153                              O            10/01/32
    0

    8085181          642/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       7.500            419.53         75
                                       7.250            419.53
    MESA             AZ   85201          5            09/27/02         00
    0434694170                           09           11/01/02          0
    09172002                             N            10/01/32
    0

    8085187          U05/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.875          1,642.32         63
                                       6.625          1,642.32
    AUSTIN           TX   78731          5            09/20/02         00
    0434693172                           05           11/01/02          0
    3259623                              O            10/01/32
    0

    8086153          E22/G02             F          157,500.00         ZZ
                                         360        157,500.00          1
                                       6.750          1,021.54         75
                                       6.500          1,021.54
    FRANKLIN         NJ   08873          5            09/30/02         00
    0414966051                           01           11/01/02          0
    0414966051                           O            10/01/32
    0

    8086177          E22/G02             F          164,000.00         ZZ
                                         360        164,000.00          1
                                       6.875          1,077.36         77
                                       6.625          1,077.36
    EAST POINT       GA   30344          2            10/04/02         00
    0414992479                           05           11/01/02          0
    0414992479                           N            10/01/32
    0

    8086209          E22/G02             F           49,000.00         ZZ
                                         360         49,000.00          1
1

                                       6.875            321.90         45
                                       6.625            321.90
    LYNCHBURG        VA   24502          2            10/04/02         00
    0415025303                           05           11/01/02          0
    0415025303                           N            10/01/32
    0

    8086245          E22/G02             F          123,200.00         ZZ
                                         360        123,200.00          1
                                       6.750            799.07         80
                                       6.500            799.07
    LOUISVILLE       KY   40222          2            09/30/02         00
    0415069061                           05           11/01/02          0
    0415069061                           O            10/01/32
    0

    8086265          E22/G02             F          131,920.00         ZZ
                                         360        131,920.00          1
                                       6.750            855.63         80
                                       6.500            855.63
    KENNEWICK        WA   99337          1            09/27/02         00
    0415098011                           03           11/01/02          0
    0415098011                           O            10/01/32
    0

    8086613          X44/G02             F           88,800.00         ZZ
                                         360         88,800.00          1
                                       6.750            575.96         80
                                       6.500            575.96
    TOWNSHIP OF EVE  NJ   08053          1            09/30/02         00
    0434685640                           01           11/01/02          0
    81693                                O            10/01/32
    0

    8086709          K15/G02             F          128,800.00         ZZ
                                         360        128,800.00          1
                                       6.625            824.72         80
                                       6.375            824.72
    AURORA           CO   80011          5            09/25/02         00
    0434697777                           05           11/01/02          0
    023405300010                         O            10/01/32
    0

    8088013          N47/G02             F          194,150.00         ZZ
                                         360        194,150.00          1
                                       6.500          1,227.16         67
                                       6.250          1,227.16
    HAYWARD          CA   94545          5            09/23/02         00
    0434691085                           05           11/01/02          0
1

    20320990                             O            10/01/32
    0

    8088865          E82/G02             F          111,900.00         T
                                         360        111,900.00          1
                                       6.625            716.51         75
                                       6.375            716.51
    COCONUT CREEK    FL   33073          2            10/01/02         00
    0400695383                           09           11/01/02          0
    5207469                              O            10/01/32
    0

    8088957          U05/G02             F          230,000.00         ZZ
                                         360        230,000.00          1
                                       6.500          1,453.76         75
                                       6.250          1,453.76
    COLLEYVILLE      TX   76034          5            09/25/02         00
    0434706859                           05           11/01/02          0
    3265250                              O            10/01/32
    0

    8088989          U05/G02             F          121,000.00         ZZ
                                         360        121,000.00          1
                                       6.500            764.80         68
                                       6.250            764.80
    BONITA SPRINGS   FL   34134          2            09/23/02         00
    0434688537                           01           11/01/02          0
    3257443                              O            10/01/32
    0

    8089013          E47/G02             F          265,000.00         ZZ
                                         360        265,000.00          1
                                       6.250          1,631.65         63
                                       6.000          1,631.65
    FOUNTAIN VALLEY  CA   92078          5            09/23/02         00
    0434699054                           05           11/01/02          0
    7331014273                           O            10/01/32
    0

    8089017          Q14/G02             F          197,600.00         ZZ
                                         360        197,600.00          1
                                       6.500          1,248.97         80
                                       6.250          1,248.97
    GRAIN VALLEY     MO   64029          1            09/27/02         00
    0434684031                           05           11/01/02          0
    0208554                              O            10/01/32
    0

1

    8089055          B49/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.625          1,664.81         78
                                       6.375          1,664.81
    EVERGREEN        CO   80439          5            09/24/02         00
    0434704599                           05           11/01/02          0
    000263950550                         O            10/01/32
    0

    8089159          E22/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       6.750            830.21         43
                                       6.500            830.21
    SHERMAN OAKS     CA   91423          5            09/24/02         00
    0414802652                           01           11/01/02          0
    0414802652                           O            10/01/32
    0

    8089217          E22/G02             F           86,400.00         ZZ
                                         360         86,400.00          1
                                       7.375            596.74         80
                                       7.125            596.74
    WEBSTER          TX   77598          1            09/25/02         00
    0414880179                           03           11/01/02          0
    0414880179                           N            10/01/32
    0

    8089311          E22/G02             F          261,000.00         ZZ
                                         360        261,000.00          1
                                       6.625          1,671.21         80
                                       6.375          1,671.21
    SPRING VALLEY    CA   91977          2            09/24/02         00
    0414952325                           03           11/01/02          0
    0414952325                           O            10/01/32
    0

    8089347          E22/G02             F          224,000.00         ZZ
                                         360        224,000.00          4
                                       6.375          1,397.47         80
                                       6.125          1,397.47
    CENTERVILLE      OH   45458          1            10/05/02         00
    0414974618                           05           11/01/02          0
    0414974618                           N            10/01/32
    0

    8089421          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       7.125            606.35         86
                                       6.875            606.35
1

    GUNTERSVILLE     AL   35976          5            09/30/02         01
    0415006436                           05           11/01/02         25
    0415006436                           O            10/01/32
    0

    8089495          E22/G02             F           71,000.00         ZZ
                                         360         71,000.00          1
                                       6.500            448.77         89
                                       6.250            448.77
    TAMPA            FL   33614          5            10/01/02         01
    0415047935                           05           11/01/02         25
    0415047935                           O            10/01/32
    0

    8089507          E22/G02             F          179,100.00         ZZ
                                         360        179,100.00          2
                                       6.375          1,117.35         90
                                       6.125          1,117.35
    FAIRBANKS        AK   99701          1            09/27/02         04
    0415056969                           05           11/01/02         25
    0415056969                           N            10/01/32
    0

    8089953          830/G02             F          285,800.00         ZZ
                                         240        285,800.00          1
                                       6.375          2,109.87         70
                                       6.125          2,109.87
    OGDEN            UT   84403          5            09/27/02         00
    0434690772                           05           11/01/02          0
    02090112                             O            10/01/22
    0

    8090055          F36/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.375            748.64         80
                                       6.125            748.64
    TACOMA           WA   98406          1            09/19/02         00
    0434703096                           05           11/01/02          0
    06505191                             O            10/01/32
    0

    8090071          U05/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.625            640.31         80
                                       6.375            640.31
    LAREDO           TX   78045          1            09/26/02         00
    0434688628                           05           11/01/02          0
    3252294                              O            10/01/32
    0
1

    8090851          E57/G02             F          151,200.00         ZZ
                                         360        151,200.00          4
                                       6.500            955.69         90
                                       6.250            955.69
    APPLE VALLEY     CA   92307          1            09/26/02         12
    0434711883                           05           11/01/02         25
    06009305                             N            10/01/32
    0

    8091255          E60/G02             F          275,000.00         ZZ
                                         360        275,000.00          1
                                       6.125          1,670.93         75
                                       5.875          1,670.93
    FALLBROOK        CA   92028          2            09/23/02         00
    0434710497                           05           11/01/02          0
    525684                               O            10/01/32
    0

    8091265          P44/G02             F          216,000.00         ZZ
                                         360        216,000.00          2
                                       6.500          1,365.27         80
                                       6.250          1,365.27
    SOMERVILLE       MA   02143          1            09/26/02         00
    0434716940                           05           11/01/02          0
    DELUCA                               N            10/01/32
    0

    8091301          P44/G02             F          192,000.00         ZZ
                                         360        192,000.00          3
                                       6.625          1,229.40         80
                                       6.375          1,229.40
    SOMERVILLE       MA   02143          1            09/26/02         00
    0434704847                           05           11/01/02          0
    1                                    N            10/01/32
    0

    8091309          F36/G02             F           84,000.00         ZZ
                                         360         84,000.00          1
                                       6.625            537.86         80
                                       6.375            537.86
    OLYMPIA          WA   98513          1            09/26/02         00
    0434702684                           05           11/01/02          0
    06405176                             N            10/01/32
    0

    8092821          286/286             F          283,450.00         ZZ
                                         360        283,187.47          1
1

                                       6.375          1,768.36         90
                                       6.125          1,768.36
    EL CAJON         CA   92019          1            08/21/02         11
    1112465                              05           10/01/02         25
    1112465                              O            09/01/32
    0

    8092825          286/286             F           92,000.00         ZZ
                                         360         91,844.72          1
                                       7.125            619.83         80
                                       6.875            619.83
    PENDLETON        IN   46064          1            08/02/02         00
    1462273                              05           09/01/02          0
    1462273                              O            08/01/32
    0

    8092829          286/286             F          227,500.00         ZZ
                                         360        226,971.27          1
                                       6.500          1,437.96         87
                                       6.250          1,437.96
    WINNETKA         CA   91306          2            07/29/02         12
    1432806                              05           09/01/02         25
    1432806                              O            08/01/32
    0

    8092841          286/286             F          298,400.00         ZZ
                                         360        298,136.73          1
                                       6.625          1,910.69         90
                                       6.375          1,910.69
    PHOENIX          AZ   85021          2            08/16/02         10
    1462163                              05           10/01/02         25
    1462163                              O            09/01/32
    0

    8092849          286/286             F          232,000.00         ZZ
                                         360        231,232.17          1
                                       6.500          1,466.40         73
                                       6.250          1,466.40
    BIG POOL         MD   21711          2            08/13/02         00
    1429133                              05           10/01/02          0
    1429133                              O            09/01/32
    0

    8092857          286/286             F          161,100.00         ZZ
                                         360        160,745.72          1
                                       7.000          1,071.80         90
                                       6.750          1,071.80
    CHANDLER         AZ   85225          1            08/30/02         10
    1376960                              05           09/01/02         25
1

    1376960                              O            08/01/32
    0

    8092863          286/286             F           90,800.00         ZZ
                                         360         90,727.39          1
                                       7.125            611.74         90
                                       6.875            611.74
    OMAHA            NE   68110          1            08/19/02         11
    1439407                              05           10/01/02         25
    1439407                              O            09/01/32
    0

    8092869          286/286             F          256,000.00         ZZ
                                         240        255,493.46          1
                                       6.750          1,946.54         80
                                       6.500          1,946.54
    GREENFIELD       IN   46140          2            08/08/02         00
    1445580                              05           10/01/02          0
    1445580                              O            09/01/22
    0

    8092885          286/286             F          154,000.00         T
                                         360        153,867.40          1
                                       6.750            998.85         23
                                       6.500            998.85
    NORTH FALMOUTH   MA   02556          2            08/22/02         00
    1412796                              05           10/01/02          0
    1412796                              O            09/01/32
    0

    8092903          286/286             F          132,000.00         T
                                         240        131,750.42          1
                                       7.125          1,033.33         87
                                       6.875          1,033.33
    NORTH LAS VEGAS  NV   89031          2            08/01/02         10
    1382046                              03           10/01/02         25
    1382046                              O            09/01/22
    0

    8092909          286/286             F          239,950.00         ZZ
                                         360        239,514.98          1
                                       6.500          1,516.65         80
                                       6.250          1,516.65
    MODESTO          CA   95356          1            07/31/02         00
    1403849                              05           09/01/02          0
    1403849                              O            08/01/32
    0

1

    8092915          286/286             F          269,250.00         ZZ
                                         360        268,585.04          1
                                       6.750          1,746.36         75
                                       6.500          1,746.36
    BELLFLOWER       CA   90706          1            07/11/02         00
    1402435                              05           09/01/02          0
    1402435                              O            08/01/32
    0

    8092919          286/286             F          156,000.00         ZZ
                                         360        155,730.60          1
                                       6.750          1,011.82         87
                                       6.500          1,011.82
    CANTON           MI   48187          2            07/31/02         21
    1435972                              05           09/01/02         25
    1435972                              O            08/01/32
    0

    8092923          286/286             F          252,000.00         ZZ
                                         360        251,595.74          1
                                       7.125          1,697.78         80
                                       6.875          1,697.78
    COLUMBIA         MD   21044          1            07/31/02         00
    1411770                              05           09/01/02          0
    1411770                              O            08/01/32
    0

    8092931          286/286             F          225,000.00         ZZ
                                         360        224,791.60          1
                                       6.375          1,403.71         55
                                       6.125          1,403.71
    COLUMBUS         NJ   08022          2            08/22/02         00
    1026950                              05           10/01/02          0
    1026950                              O            09/01/32
    0

    8092935          286/286             F          300,000.00         ZZ
                                         360        299,728.79          1
                                       6.500          1,896.21         62
                                       6.250          1,896.21
    GLENVIEW         IL   60025          1            08/15/02         00
    1464352                              03           10/01/02          0
    1464352                              O            09/01/32
    0

    8092939          286/286             F          342,000.00         ZZ
                                         360        341,733.20          2
                                       7.250          2,333.05         77
                                       7.000          2,333.05
1

    SAN DIEGO        CA   92109          2            08/07/02         00
    1429687                              05           10/01/02          0
    1429687                              O            09/01/32
    0

    8092943          286/286             F          264,600.00         ZZ
                                         360        264,154.12          1
                                       6.875          1,738.24         90
                                       6.625          1,738.24
    NORMAL           IL   61761          1            07/31/02         12
    1409049                              05           09/01/02         25
    1409049                              O            08/01/32
    0

    8092947          286/286             F          102,150.00         ZZ
                                         360        101,977.85          1
                                       6.875            671.06         90
                                       6.625            671.06
    BELTON           MO   64012          1            08/05/02         11
    1462919                              05           09/01/02         25
    1462919                              O            08/01/32
    0

    8092951          286/286             F           88,200.00         T
                                         360         88,119.10          1
                                       6.875            579.42         90
                                       6.625            579.42
    GILBERT          AZ   85234          1            08/15/02         21
    1463927                              05           10/01/02         30
    1463927                              O            09/01/32
    0

    8092959          286/286             F           90,000.00         ZZ
                                         360         89,931.51          1
                                       7.375            621.61         35
                                       7.125            621.61
    CLIFTON          NJ   07011          1            08/16/02         00
    1341161                              05           10/01/02          0
    1341161                              O            09/01/32
    0

    8092963          286/286             F          112,450.00         T
                                         360        112,350.79          1
                                       6.625            720.03         90
                                       6.375            720.03
    SUGARLOAF        CA   92386          1            08/13/02         14
    1109092                              05           10/01/02         25
    1109092                              O            09/01/32
    0
1

    8092967          286/286             F          195,000.00         ZZ
                                         360        194,832.11          1
                                       6.750          1,264.77         78
                                       6.500          1,264.77
    NORTH BRUNSWICK  NJ   08902          1            08/08/02         00
    1300116                              05           10/01/02          0
    1300116                              O            09/01/32
    0

    8092975          286/286             F          157,000.00         ZZ
                                         360        156,735.44          1
                                       6.875          1,031.38         79
                                       6.625          1,031.38
    STOCKTON         CA   95204          2            07/25/02         00
    1447323                              05           09/01/02          0
    1447323                              O            08/01/32
    0

    8092983          286/286             F          274,400.00         ZZ
                                         360        274,145.85          1
                                       6.375          1,711.90         80
                                       6.125          1,711.90
    PITTSBURGH       PA   15238          1            08/21/02         00
    1436649                              03           10/01/02          0
    1436649                              O            09/01/32
    0

    8092985          286/286             F           99,000.00         ZZ
                                         360         98,782.46          1
                                       7.000            658.65         90
                                       6.750            658.65
    CHICAGO HEIGHTS  IL   60411          1            07/31/02         12
    1370868                              05           09/01/02         25
    1370868                              O            08/01/32
    0

    8092987          286/286             F          151,900.00         ZZ
                                         360        151,631.20          1
                                       6.625            972.64         80
                                       6.375            972.64
    NORTH HOLLYWOOD  CA   91605          1            07/25/02         00
    1445467                              01           09/01/02          0
    1445467                              O            08/01/32
    0

    8092991          286/286             F           92,000.00         T
                                         360         91,916.82          1
1

                                       6.500            581.51         80
                                       6.250            581.51
    BIG BEAR LAKE    CA   92315          1            08/12/02         00
    1494043                              05           10/01/02          0
    1494043                              O            09/01/32
    0

    8092995          286/286             F          240,000.00         T
                                         360        239,595.58          1
                                       6.875          1,576.63         41
                                       6.625          1,576.63
    BARNEGAT LIGHT   NJ   08006          2            07/31/02         00
    1375162                              05           09/01/02          0
    1375162                              O            08/01/32
    0

    8093003          286/286             F          280,000.00         ZZ
                                         360        279,758.92          1
                                       6.750          1,816.08         80
                                       6.500          1,816.08
    MONTGOMERY       TX   77356          1            08/09/02         00
    1453265                              03           10/01/02          0
    1453265                              O            09/01/32
    0

    8093005          286/286             F          257,000.00         ZZ
                                         360        256,535.14          1
                                       6.375          1,603.35         47
                                       6.125          1,603.35
    STEVENSVILLE     MD   21666          2            07/31/02         00
    1413540                              05           09/01/02          0
    1413540                              O            08/01/32
    0

    8093017          286/286             F          197,700.00         ZZ
                                         360        197,304.82          1
                                       6.625          1,265.89         90
                                       6.375          1,265.89
    PHOENIX          AZ   85044          1            08/08/02         12
    1443525                              03           10/01/02         25
    1443525                              O            09/01/32
    0

    8093019          286/286             F          216,000.00         ZZ
                                         360        215,626.99          1
                                       6.750          1,400.98         90
                                       6.500          1,400.98
    COPPEROPOLIS     CA   95228          2            07/29/02         12
    1442140                              05           09/01/02         25
1

    1442140                              O            08/01/32
    0

    8093023          286/286             F          122,000.00         ZZ
                                         360        121,794.42          1
                                       6.875            801.45         61
                                       6.625            801.45
    YORK             PA   17402          1            07/31/02         00
    1410141                              05           09/01/02          0
    1410141                              O            08/01/32
    0

    8093025          286/286             F          216,000.00         ZZ
                                         360        215,799.94          1
                                       6.375          1,347.56         44
                                       6.125          1,347.56
    GRAND JUNCTION   CO   81503          2            08/09/02         00
    1428219                              05           10/01/02          0
    1428219                              O            09/01/32
    0

    8093055          286/286             F           94,000.00         ZZ
                                         360         93,829.58          1
                                       6.500            594.15         65
                                       6.250            594.15
    KENT             WA   98031          2            07/24/02         00
    1450878                              05           09/01/02          0
    1450878                              O            08/01/32
    0

    8093063          286/286             F          223,000.00         ZZ
                                         360        222,803.26          1
                                       6.625          1,427.89         70
                                       6.375          1,427.89
    WHITEHOUSE STAT  NJ   08889          2            08/07/02         00
    1445268                              05           10/01/02          0
    1445268                              O            09/01/32
    0

    8093067          286/286             F          240,000.00         ZZ
                                         360        239,821.89          1
                                       7.500          1,678.11         53
                                       7.250          1,678.11
    SAN PEDRO        CA   90732          2            08/12/02         00
    1107968                              05           10/01/02          0
    1107968                              O            09/01/32
    0

1

    8093071          286/286             F          296,900.00         ZZ
                                         360        296,618.62          1
                                       6.750          1,925.69         90
                                       6.500          1,925.69
    SAN ANTONIO      TX   78258          1            08/15/02         04
    1442498                              03           10/01/02         25
    1442498                              O            09/01/32
    0

    8093073          286/286             F          261,600.00         ZZ
                                         360        261,363.51          1
                                       6.500          1,653.49         80
                                       6.250          1,653.49
    HOBOKEN          NJ   07030          1            08/16/02         00
    1482782                              01           10/01/02          0
    1482782                              O            09/01/32
    0

    8093077          286/286             F          211,600.00         ZZ
                                         240        211,162.03          1
                                       6.375          1,562.10         80
                                       6.125          1,562.10
    CLAY             MI   48001          2            08/05/02         00
    1429885                              05           10/01/02          0
    1429885                              O            09/01/22
    0

    8093081          286/286             F          120,000.00         T
                                         360        119,891.52          1
                                       6.500            758.48         29
                                       6.250            758.48
    TELLURIDE        CO   81435          2            08/19/02         00
    1373739                              01           10/01/02          0
    1373739                              O            09/01/32
    0

    8093091          286/286             F          160,000.00         T
                                         360        159,855.36          1
                                       6.500          1,011.31         39
                                       6.250          1,011.31
    PHOENIX          AZ   85086          1            08/08/02         00
    1468714                              05           10/01/02          0
    1468714                              O            09/01/32
    0

    8093097          286/286             F          150,200.00         ZZ
                                         360        150,073.81          1
                                       6.875            986.71         78
                                       6.625            986.71
1

    DENTON           TX   76205          1            08/01/02         00
    1431892                              05           10/01/02          0
    1431892                              O            09/01/32
    0

    8093099          286/286             F           96,500.00         ZZ
                                         360         96,408.43          1
                                       6.250            594.17         52
                                       6.000            594.17
    SACRAMENTO       CA   95826          2            08/05/02         00
    1463794                              05           10/01/02          0
    1463794                              O            09/01/32
    0

    8093103          286/286             F          157,500.00         ZZ
                                         360        157,380.14          1
                                       7.375          1,087.82         90
                                       7.125          1,087.82
    CHICAGO          IL   60610          1            08/15/02         10
    1502859                              01           10/01/02         25
    1502859                              O            09/01/32
    0

    8093105          286/286             F          199,890.00         ZZ
                                         360        199,722.06          1
                                       6.875          1,313.14         90
                                       6.625          1,313.14
    LOWELL           MA   01852          1            08/06/02         12
    1443164                              01           10/01/02         25
    1443164                              O            09/01/32
    0

    8093107          286/286             F          265,000.00         ZZ
                                         360        264,782.77          1
                                       7.000          1,763.06         90
                                       6.750          1,763.06
    EVERGREEN        CO   80439          2            08/14/02         01
    1450490                              05           10/01/02         25
    1450490                              O            09/01/32
    0

    8093109          286/286             F          270,000.00         ZZ
                                         360        269,498.53          1
                                       6.375          1,684.45         90
                                       6.125          1,684.45
    SANTA PAULA      CA   93060          1            07/24/02         11
    1439912                              05           09/01/02         25
    1439912                              O            08/01/32
    0
1

    8093111          286/286             F          300,600.00         ZZ
                                         360        300,328.25          1
                                       6.500          1,900.00         75
                                       6.250          1,900.00
    MEDFIELD         MA   02052          1            08/15/02         00
    1428363                              05           10/01/02          0
    1428363                              O            09/01/32
    0

    8093117          286/286             F          108,300.00         T
                                         360        108,202.10          1
                                       6.500            684.53         80
                                       6.250            684.53
    BRYAN            TX   77807          1            08/09/02         00
    1442422                              05           10/01/02          0
    1442422                              O            09/01/32
    0

    8093119          286/286             F          101,700.00         ZZ
                                         360        101,605.80          1
                                       6.375            634.48         90
                                       6.125            634.48
    HICKORY          NC   28601          1            08/14/02         12
    1452320                              05           10/01/02         25
    1452320                              O            09/01/32
    0

    8093123          286/286             F          293,700.00         ZZ
                                         360        293,440.87          1
                                       6.625          1,880.60         55
                                       6.375          1,880.60
    ALEXANDRIA       VA   22307          2            08/09/02         00
    1414398                              05           10/01/02          0
    1414398                              O            09/01/32
    0

    8093125          286/286             F          200,800.00         ZZ
                                         360        200,477.89          1
                                       7.125          1,352.83         80
                                       6.875          1,352.83
    MURRIETA         CA   92563          1            07/23/02         00
    1432469                              05           09/01/02          0
    1432469                              O            08/01/32
    0

    8093127          286/286             F          227,950.00         ZZ
                                         360        227,556.37          1
1

                                       6.750          1,478.48         71
                                       6.500          1,478.48
    GRANBURY         TX   76048          2            07/25/02         00
    1448982                              05           09/01/02          0
    1448982                              O            08/01/32
    0

    8093133          286/286             F          192,000.00         ZZ
                                         360        191,838.69          1
                                       6.875          1,261.31         66
                                       6.625          1,261.31
    WEST LONG BRANC  NJ   07764          1            08/15/02         00
    1434906                              01           10/01/02          0
    1434906                              O            09/01/32
    0

    8093135          286/286             F          248,000.00         ZZ
                                         360        247,559.68          1
                                       7.125          1,670.82         80
                                       6.875          1,670.82
    DOUSMAN          WI   53118          1            07/31/02         00
    1350830                              05           09/01/02          0
    1350830                              O            08/01/32
    0

    8093139          286/286             F          219,000.00         ZZ
                                         360        218,816.01          1
                                       6.875          1,438.68         73
                                       6.625          1,438.68
    BOULDER          CO   80301          2            08/01/02         00
    1438520                              03           10/01/02          0
    1438520                              O            09/01/32
    0

    8093141          286/286             F          262,400.00         ZZ
                                         360        261,946.87          1
                                       6.750          1,701.93         80
                                       6.500          1,701.93
    MARENGO          IL   60152          1            08/02/02         00
    1410366                              05           09/01/02          0
    1410366                              O            08/01/32
    0

    8093143          286/286             F           88,000.00         ZZ
                                         360         87,924.23          1
                                       6.750            570.77         74
                                       6.500            570.77
    WICHITA          KS   67207          1            08/06/02         00
    1469601                              05           10/01/02          0
1

    1469601                              O            09/01/32
    0

    8093147          286/286             F          124,000.00         ZZ
                                         360        123,895.82          1
                                       6.875            814.60         69
                                       6.625            814.60
    NORTH HOLLYWOOD  CA   91605          2            08/06/02         00
    1442135                              05           10/01/02          0
    1442135                              O            09/01/32
    0

    8093153          286/286             F           88,200.00         ZZ
                                         360         88,125.89          1
                                       6.875            579.42         90
                                       6.625            579.42
    SPOKANE          WA   99206          1            08/08/02         10
    1433516                              05           10/01/02         25
    1433516                              O            09/01/32
    0

    8093159          286/286             F          104,000.00         T
                                         360        103,550.85          1
                                       6.500            657.36         47
                                       6.250            657.36
    LAS VEGAS        NV   89117          2            07/25/02         00
    1019035                              03           09/01/02          0
    1019035                              O            08/01/32
    0

    8093161          286/286             F          297,415.00         ZZ
                                         360        297,146.13          1
                                       6.500          1,879.87         85
                                       6.250          1,879.87
    MISSION VIEJO    CA   92692          1            07/25/02         14
    1392144                              01           10/01/02         17
    1392144                              O            09/01/32
    0

    8093165          286/286             F           90,000.00         ZZ
                                         360         89,922.51          1
                                       6.750            583.74         63
                                       6.500            583.74
    WATERBURY        CT   06710          2            08/07/02         00
    1442860                              05           10/01/02          0
    1442860                              O            09/01/32
    0

1

    8093167          286/286             F           94,500.00         T
                                         360         94,426.28          1
                                       7.250            644.66         90
                                       7.000            644.66
    POMPANO BEACH    FL   33064          1            08/14/02         11
    1488226                              05           10/01/02         25
    1488226                              O            09/01/32
    0

    8093169          286/286             F          230,000.00         ZZ
                                         360        229,621.84          1
                                       7.000          1,530.20         80
                                       6.750          1,530.20
    CHINO            CA   91710          1            07/30/02         00
    1450752                              05           09/01/02          0
    1450752                              O            08/01/32
    0

    8093173          286/286             F          114,900.00         ZZ
                                         360        114,701.59          1
                                       6.750            745.24         72
                                       6.500            745.24
    WESTLAND         MI   48185          1            07/30/02         00
    1447887                              01           09/01/02          0
    1447887                              O            08/01/32
    0

    8093175          286/286             F          300,000.00         ZZ
                                         360        299,469.16          1
                                       6.625          1,920.94         73
                                       6.375          1,920.94
    ROCHESTER        MI   48306          1            07/31/02         00
    1442358                              05           09/01/02          0
    1442358                              O            08/01/32
    0

    8093177          286/286             F          220,000.00         ZZ
                                         360        219,647.08          1
                                       7.125          1,482.19         80
                                       6.875          1,482.19
    SKOKIE           IL   60076          1            07/31/02         00
    1402307                              05           09/01/02          0
    1402307                              O            08/01/32
    0

    8093179          286/286             F          280,000.00         ZZ
                                         360        279,740.65          1
                                       6.375          1,746.84         80
                                       6.125          1,746.84
1

    NAPA             CA   94558          1            08/15/02         00
    1479988                              05           10/01/02          0
    1479988                              O            09/01/32
    0

    8093181          286/286             F          145,000.00         ZZ
                                         300        144,610.91          1
                                       6.500            979.06         83
                                       6.250            979.06
    RIALTO           CA   92376          2            07/26/02         11
    1438482                              05           09/01/02         12
    1438482                              O            08/01/27
    0

    8093185          286/286             F          193,000.00         ZZ
                                         360        192,825.52          1
                                       6.500          1,219.90         46
                                       6.250          1,219.90
    BURBANK          CA   91501          2            08/08/02         00
    1436308                              05           10/01/02          0
    1436308                              O            09/01/32
    0

    8093191          286/286             F          263,200.00         ZZ
                                         360        262,973.38          1
                                       6.750          1,707.12         80
                                       6.500          1,707.12
    CORONA           CA   92882          1            08/12/02         00
    1461999                              05           10/01/02          0
    1461999                              O            09/01/32
    0

    8093197          286/286             F          229,500.00         ZZ
                                         360        229,291.15          1
                                       6.750          1,488.54         85
                                       6.500          1,488.54
    DOWNINGTOWN      PA   19335          1            08/09/02         14
    1394447                              05           10/01/02         12
    1394447                              O            09/01/32
    0

    8093199          286/286             F          119,925.00         ZZ
                                         360        119,824.24          1
                                       6.875            787.83         75
                                       6.625            787.83
    TALLAHASSEE      FL   32309          1            08/09/02         00
    1439522                              03           10/01/02          0
    1439522                              O            09/01/32
    0
1

    8093201          286/286             F          255,000.00         T
                                         360        254,769.48          1
                                       6.500          1,611.77         75
                                       6.250          1,611.77
    LOGANVILLE       GA   30052          2            08/05/02         00
    1440017                              05           10/01/02          0
    1440017                              O            09/01/32
    0

    8093203          286/286             F          114,000.00         ZZ
                                         360        113,904.23          1
                                       6.875            748.90         78
                                       6.625            748.90
    SANDY            UT   84094          2            08/16/02         00
    1490428                              05           10/01/02          0
    1490428                              O            09/01/32
    0

    8093207          286/286             F           96,000.00         ZZ
                                         360         95,906.06          1
                                       6.500            606.79         80
                                       6.250            606.79
    HICKORY          NC   28601          1            08/15/02         00
    1456769                              03           10/01/02          0
    1456769                              O            09/01/32
    0

    8093209          286/286             F          162,300.00         ZZ
                                         360        160,896.77          1
                                       6.375          1,012.54         87
                                       6.125          1,012.54
    SCOTTSDALE       AZ   85250          2            08/14/02         01
    1456630                              05           10/01/02         25
    1456630                              O            09/01/32
    0

    8093213          286/286             F          207,000.00         ZZ
                                         360        206,817.36          1
                                       6.625          1,325.45         90
                                       6.375          1,325.45
    LYMAN            SC   29365          1            08/16/02         11
    1467843                              05           10/01/02         25
    1467843                              O            09/01/32
    0

    8093221          286/286             F          220,000.00         ZZ
                                         360        219,810.58          1
1

                                       6.750          1,426.92         80
                                       6.500          1,426.92
    CEDAR HILL       TX   75104          1            08/14/02         00
    1491459                              05           10/01/02          0
    1491459                              O            09/01/32
    0

    8093223          286/286             F          266,500.00         ZZ
                                         360        266,217.15          1
                                       6.375          1,662.62         57
                                       6.125          1,662.62
    IRVINE           CA   92660          2            08/15/02         00
    1453686                              03           10/01/02          0
    1453686                              O            09/01/32
    0

    8093231          286/286             F          221,400.00         ZZ
                                         360        220,967.00          1
                                       6.750          1,436.00         90
                                       6.500          1,436.00
    CRANBERRY TWP    PA   16066          1            08/20/02         10
    1436194                              03           10/01/02         25
    1436194                              O            09/01/32
    0

    8093233          286/286             F          270,000.00         ZZ
                                         360        269,773.17          1
                                       6.875          1,773.71         90
                                       6.625          1,773.71
    NORTH ROYALTON   OH   44133          1            08/12/02         10
    1411310                              05           10/01/02         25
    1411310                              O            09/01/32
    0

    8093235          286/286             F           95,000.00         ZZ
                                         360         93,981.94          1
                                       6.500            600.47         24
                                       6.250            600.47
    WESTWOOD         MA   02090          2            08/09/02         00
    1436393                              05           10/01/02          0
    1436393                              O            09/01/32
    0

    8093237          286/286             F          280,000.00         ZZ
                                         360        279,746.87          1
                                       6.500          1,769.80         71
                                       6.250          1,769.80
    SALINAS          CA   93906          2            08/13/02         00
    1468790                              05           10/01/02          0
1

    1468790                              O            09/01/32
    0

    8093239          286/286             F          165,000.00         ZZ
                                         360        164,850.83          2
                                       6.500          1,042.92         56
                                       6.250          1,042.92
    JERSEY CITY      NJ   07302          2            08/02/02         00
    1350027                              05           10/01/02          0
    1350027                              O            09/01/32
    0

    8093245          286/286             F          243,400.00         ZZ
                                         360        243,195.52          1
                                       6.875          1,598.96         66
                                       6.625          1,598.96
    TABERNASH        CO   80478          2            08/20/02         00
    1471700                              05           10/01/02          0
    1471700                              O            09/01/32
    0

    8093251          286/286             F          114,000.00         ZZ
                                         360        113,628.92          1
                                       7.000            758.44         75
                                       6.750            758.44
    NEW ORLEANS      LA   70601          2            07/30/02         00
    1468161                              01           09/01/02          0
    1468161                              O            08/01/32
    0

    8093255          286/286             F          103,500.00         T
                                         360        103,417.23          1
                                       7.125            697.30         90
                                       6.875            697.30
    DUCK CREEK       UT   84762          1            08/08/02         14
    1438366                              05           10/01/02         25
    1438366                              O            09/01/32
    0

    8093259          286/286             F          269,900.00         ZZ
                                         360        269,667.62          1
                                       6.750          1,750.57         90
                                       6.500          1,750.57
    TUJUNGA AREA     CA   91042          1            07/31/02         11
    808924                               05           10/01/02         25
    808924                               O            09/01/32
    0

1

    8093267          286/286             F          290,000.00         ZZ
                                         360        289,721.88          1
                                       7.125          1,953.78         71
                                       6.875          1,953.78
    LONG BEACH       CA   90808          2            08/08/02         00
    0001108928                           05           10/01/02          0
    0001108928                           O            09/01/32
    0

    8093271          286/286             F          104,000.00         T
                                         360        103,910.46          1
                                       6.750            674.54         80
                                       6.500            674.54
    SONORA           CA   95370          1            08/06/02         00
    0001107143                           03           10/01/02          0
    0001107143                           O            09/01/32
    0

    8093273          286/286             F          282,300.00         ZZ
                                         360        281,824.31          1
                                       6.875          1,854.51         93
                                       6.625          1,854.51
    PALM DESERT      CA   92211          1            07/23/02         14
    0001106295                           05           09/01/02         30
    0001106295                           O            08/01/32
    0

    8093275          286/286             F          248,000.00         T
                                         360        247,571.76          1
                                       6.750          1,608.52         80
                                       6.500          1,608.52
    STRAWBERRY       CA   95375          1            07/29/02         00
    0001108005                           03           09/01/02          0
    0001108005                           O            08/01/32
    0

    8093277          286/286             F          125,000.00         ZZ
                                         360        124,773.37          1
                                       6.500            790.09         50
                                       6.250            790.09
    RIO VISTA        CA   94571          1            07/26/02         00
    0001108526                           03           09/01/02          0
    0001108526                           O            08/01/32
    0

    8093279          286/286             F          243,200.00         T
                                         360        242,780.04          1
                                       6.750          1,577.39         80
                                       6.500          1,577.39
1

    OCEANSIDE        CA   92056          1            07/25/02         00
    0001107828                           03           09/01/02          0
    0001107828                           O            08/01/32
    0

    8093281          286/286             F          260,000.00         ZZ
                                         360        259,753.31          1
                                       6.250          1,600.86         72
                                       6.000          1,600.86
    EL CAJON         CA   92019          1            08/13/02         00
    0001107682                           05           10/01/02          0
    0001107682                           O            09/01/32
    0

    8093283          286/286             F          112,000.00         ZZ
                                         360        111,811.28          1
                                       6.875            735.76         90
                                       6.625            735.76
    PARAMOUNT        CA   90723          2            07/24/02         14
    0001107184                           01           09/01/02         25
    0001107184                           O            08/01/32
    0

    8093285          286/286             F          235,000.00         ZZ
                                         360        234,594.20          1
                                       6.750          1,524.21         84
                                       6.500          1,524.21
    HUNTINGTOWN      MD   20639          2            07/31/02         10
    0009934535                           05           09/01/02         12
    0009934535                           O            08/01/32
    0

    8093289          286/286             F          219,000.00         ZZ
                                         360        218,602.97          1
                                       6.500          1,384.23         37
                                       6.250          1,384.23
    UNION CITY       CA   94587          2            07/18/02         00
    0000805964                           05           09/01/02          0
    0000805964                           O            08/01/32
    0

    8093291          286/286             F          219,150.00         ZZ
                                         360        218,951.88          1
                                       6.500          1,385.18         80
                                       6.250          1,385.18
    TRACY            CA   95376          1            08/13/02         00
    0001108195                           05           10/01/02          0
    0001108195                           O            09/01/32
    0
1

    8093293          286/286             F          256,500.00         ZZ
                                         360        256,284.51          1
                                       6.875          1,685.02         90
                                       6.625          1,685.02
    BONITA           CA   91902          1            08/12/02         11
    0001107191                           05           10/01/02         30
    0001107191                           O            09/01/32
    0

    8093295          286/286             F          242,500.00         T
                                         360        224,597.96          1
                                       7.250          1,654.28         90
                                       7.000          1,654.28
    BAKERSFIELD      CA   93312          1            07/26/02         11
    0001106067                           05           09/30/02         25
    0001106067                           O            08/01/32
    0

    8093299          286/286             F          229,450.00         ZZ
                                         360        229,034.02          2
                                       6.500          1,450.28         90
                                       6.250          1,450.28
    TRACY            CA   95376          1            07/31/02         10
    0001108882                           05           09/01/02         25
    0001108882                           O            08/01/32
    0

    8093301          286/286             F          300,700.00         ZZ
                                         360        300,193.31          1
                                       6.875          1,975.38         72
                                       6.625          1,975.38
    ESCONDIDO        CA   92026          1            07/31/02         00
    0000799382                           03           09/01/02          0
    0000799382                           O            08/01/32
    0

    8093303          286/286             F          194,500.00         ZZ
                                         360        194,332.54          1
                                       6.750          1,261.52         80
                                       6.500          1,261.52
    RIVERSIDE        CA   92508          1            08/05/02         00
    0000786381                           05           10/01/02          0
    0000786381                           O            09/01/32
    0

    8093305          286/286             F          194,500.00         ZZ
                                         360        192,882.53          1
1

                                       6.750          1,261.52         77
                                       6.500          1,261.52
    WHITTIER         CA   90601          2            08/12/02         00
    0001107932                           05           10/01/02          0
    0001107932                           O            09/01/32
    0

    8093307          286/286             F          278,850.00         ZZ
                                         360        278,344.47          1
                                       6.500          1,762.52         90
                                       6.250          1,762.52
    SAN MARCOS       CA   92069          1            07/25/02         11
    0001105935                           05           09/01/02         25
    0001105935                           O            08/01/32
    0

    8093309          286/286             F          129,000.00         ZZ
                                         360        128,888.94          1
                                       6.750            836.69         79
                                       6.500            836.69
    SANTA CLARITA    CA   91321          2            07/30/02         00
    0001106581                           01           10/01/02          0
    0001106581                           O            09/01/32
    0

    8093313          286/286             F          285,600.00         ZZ
                                         360        285,160.06          1
                                       6.875          1,876.19         80
                                       6.625          1,876.19
    SAN LEANDRO      CA   94577          1            08/02/02         00
    0001109833                           05           10/01/02          0
    0001109833                           O            09/01/32
    0

    8093315          286/286             F          300,700.00         ZZ
                                         360        300,180.76          1
                                       6.750          1,950.33         63
                                       6.500          1,950.33
    CASTRO VALLEY    CA   94546          2            07/24/02         00
    0001106777                           05           09/01/02          0
    0001106777                           O            08/01/32
    0

    8093317          286/286             F          224,950.00         ZZ
                                         360        224,783.06          1
                                       7.500          1,572.88         90
                                       7.250          1,572.88
    SAN DIEGO        CA   92126          1            08/08/02         11
    0000808277                           05           10/01/02         25
1

    0000808277                           O            09/01/32
    0

    8093319          286/286             F          112,000.00         ZZ
                                         360        111,908.19          1
                                       7.000            745.14         80
                                       6.750            745.14
    CHULA VISTA      CA   91911          1            08/08/02         00
    0001110155                           01           10/01/02          0
    0001110155                           O            09/01/32
    0

    8093321          286/286             F          300,000.00         ZZ
                                         360        299,553.33          1
                                       7.500          2,097.64         80
                                       7.250          2,097.64
    SAN DIEGO        CA   92111          1            07/30/02         00
    0001106939                           05           09/01/02          0
    0001106939                           O            08/01/32
    0

    8093325          286/286             F          153,500.00         ZZ
                                         360        153,364.57          1
                                       6.625            982.88         62
                                       6.375            982.88
    HUNTINGTON BEAC  CA   92647          2            08/06/02         00
    0001107841                           03           10/01/02          0
    0001107841                           O            09/01/32
    0

    8093329          286/286             F          240,000.00         ZZ
                                         360        239,777.71          1
                                       6.375          1,497.29         88
                                       6.125          1,497.29
    GUERNEVILLE      CA   95446          1            08/15/02         11
    0001110635                           05           10/01/02         25
    0001110635                           O            09/01/32
    0

    8093331          286/286             F          198,000.00         ZZ
                                         360        197,821.01          1
                                       6.500          1,251.49         75
                                       6.250          1,251.49
    MONTEBELLO       CA   90640          1            08/05/02         00
    0001108392                           05           10/01/02          0
    0001108392                           O            09/01/32
    0

1

    8093333          286/286             F          257,000.00         ZZ
                                         360        256,398.20          1
                                       6.875          1,688.31         71
                                       6.625          1,688.31
    TRACY            CA   95376          2            07/25/02         00
    0001107606                           05           09/01/02          0
    0001107606                           O            08/01/32
    0

    8093337          286/286             F          258,000.00         ZZ
                                         360        257,565.25          1
                                       6.875          1,694.88         75
                                       6.625          1,694.88
    SPRING VALLEY    CA   91978          2            07/26/02         00
    0001105585                           03           09/01/02          0
    0001105585                           O            08/01/32
    0

    8093343          286/286             F          247,500.00         ZZ
                                         360        247,276.26          1
                                       6.500          1,564.37         90
                                       6.250          1,564.37
    ESCONDIDO        CA   92027          1            08/07/02         10
    1440159                              05           10/01/02         25
    1440159                              O            09/01/32
    0

    8093347          286/286             F          125,052.00         ZZ
                                         360        124,941.66          1
                                       6.625            800.73         90
                                       6.375            800.73
    HOUSTON          TX   77077          1            08/09/02         04
    1457462                              03           10/01/02         25
    1457462                              O            09/01/32
    0

    8093353          286/286             F          210,000.00         ZZ
                                         360        209,827.86          1
                                       7.000          1,397.14         58
                                       6.750          1,397.14
    BRIGHTON         CO   80601          2            08/08/02         00
    1378716                              01           10/01/02          0
    1378716                              O            09/01/32
    0

    8093355          E47/G02             F          428,000.00         ZZ
                                         360        428,000.00          3
                                       6.500          2,705.25         48
                                       6.250          2,705.25
1

    CARLSBAD         CA   92008          2            09/18/02         00
    0434699138                           05           11/01/02          0
    7331014228                           N            10/01/32
    0

    8093861          E22/G02             F          114,000.00         ZZ
                                         360        114,000.00          3
                                       6.750            739.40         68
                                       6.500            739.40
    FRESNO           CA   93728          2            09/26/02         00
    0414689489                           05           11/01/02          0
    0414689489                           N            10/01/32
    0

    8093887          E22/G02             F          114,000.00         ZZ
                                         360        114,000.00          3
                                       6.750            739.40         68
                                       6.500            739.40
    FRESNO           CA   93711          5            09/26/02         00
    0414794750                           05           11/01/02          0
    0414794750                           N            10/01/32
    0

    8093889          E22/G02             F          114,000.00         ZZ
                                         360        114,000.00          3
                                       6.750            739.40         68
                                       6.500            739.40
    FRESNO           CA   93728          2            09/26/02         00
    0414794826                           05           11/01/02          0
    0414794826                           N            10/01/32
    0

    8094121          E22/G02             F           76,800.00         ZZ
                                         360         76,800.00          1
                                       6.875            504.52         80
                                       6.625            504.52
    OMAHA            NE   68122          1            10/08/02         00
    0415052026                           05           11/01/02          0
    0415052026                           N            10/01/32
    0

    8095321          950/G02             F          214,400.00         ZZ
                                         360        214,400.00          2
                                       7.375          1,480.81         78
                                       7.125          1,480.81
    DENVER           CO   80205          5            09/24/02         00
    0434706925                           05           11/01/02          0
    E2208382                             N            10/01/32
    0
1

    8095423          A50/G02             F           47,600.00         ZZ
                                         360         47,600.00          1
                                       7.000            316.68         80
                                       6.750            316.68
    COLUMBUS         GA   31904          5            09/18/02         00
    0434686846                           05           11/01/02          0
    879721                               N            10/01/32
    0

    8095617          967/G02             F          133,000.00         ZZ
                                         360        133,000.00          1
                                       6.375            829.75         58
                                       6.125            829.75
    UNIVERSITY PLAC  WA   98467          1            09/27/02         00
    0434724514                           05           11/01/02          0
    5717541                              O            10/01/32
    0

    8095621          286/286             F          273,000.00         ZZ
                                         360        272,492.96          1
                                       6.375          1,703.16         89
                                       6.125          1,703.16
    LIVERMORE        CA   94550          2            07/24/02         14
    0001105604                           05           09/01/02         25
    0001105604                           O            08/01/32
    0

    8095635          286/286             F          101,600.00         ZZ
                                         360        101,524.59          1
                                       7.500            710.41         80
                                       7.250            710.41
    ORLANDO          FL   32806          1            08/09/02         00
    1429326                              05           10/01/02          0
    1429326                              N            09/01/32
    0

    8095653          286/286             F          112,450.00         ZZ
                                         360        112,364.43          1
1

                                       7.375            776.67         90
                                       7.125            776.67
    OCEANSIDE        CA   92057          1            08/21/02         14
    1480858                              03           10/01/02         25
    1480858                              N            09/01/32
    0

    8095659          286/286             F           99,000.00         ZZ
                                         360         98,845.07          1
                                       7.250            675.36         90
                                       7.000            675.36
    FELTON           DE   19943          1            07/31/02         11
    1372668                              05           09/01/02         25
    1372668                              N            08/01/32
    0

    8095661          286/286             F          112,500.00         ZZ
                                         360        112,323.95          1
                                       7.250            767.45         75
                                       7.000            767.45
    DENVER           CO   80205          1            07/26/02         00
    1405846                              05           09/01/02          0
    1405846                              N            08/01/32
    0

    8095669          286/286             F           78,300.00         ZZ
                                         360         78,174.38          1
                                       7.125            527.53         90
                                       6.875            527.53
    CHANNAHON        IL   60433          1            07/31/02         11
    1445676                              05           09/01/02         25
    1445676                              N            08/01/32
    0

    8095693          286/286             F          152,750.00         ZZ
                                         360        152,633.77          2
                                       7.375          1,055.01         65
                                       7.125          1,055.01
    NORTH WILDWOOD   NJ   08620          2            08/15/02         00
    1045151                              05           10/01/02          0
    1045151                              N            09/01/32
    0

    8095701          286/286             F          115,650.00         ZZ
                                         360        115,562.00          2
                                       7.375            798.77         90
                                       7.125            798.77
    BOERNE           TX   78006          1            08/26/02         10
    1494966                              05           10/01/02         25
1

    1494966                              N            09/01/32
    0

    8095707          286/286             F          182,000.00         ZZ
                                         360        181,722.17          1
                                       7.375          1,257.03         63
                                       7.125          1,257.03
    ARLINGTON        VA   22205          5            07/30/02         00
    1394226                              05           09/01/02          0
    1394226                              N            08/01/32
    0

    8095721          286/286             F          174,000.00         ZZ
                                         360        173,727.70          4
                                       7.250          1,186.99         75
                                       7.000          1,186.99
    SWEDESBORO       NJ   08085          1            07/25/02         00
    1346915                              05           09/01/02          0
    1346915                              N            08/01/32
    0

    8095723          286/286             F           81,000.00         ZZ
                                         360         80,873.25          1
                                       7.250            552.56         90
                                       7.000            552.56
    UNION CITY       NJ   07087          1            07/16/02         04
    1384917                              01           09/01/02         25
    1384917                              N            08/01/32
    0

    8095725          286/286             F          150,250.00         ZZ
                                         360        150,020.64          1
                                       7.375          1,037.74         90
                                       7.125          1,037.74
    WASHINGTON       DC   20017          1            07/29/02         14
    1321879                              05           09/01/02         25
    1321879                              N            08/01/32
    0

    8095729          286/286             F          136,305.00         ZZ
                                         360        136,102.06          1
                                       7.500            953.06         90
                                       7.250            953.06
    DENVER           CO   80221          1            07/23/02         12
    1393561                              05           09/01/02         25
    1393561                              N            08/01/32
    0

1

    8095731          286/286             F           62,250.00         ZZ
                                         360         62,135.54          1
                                       7.250            424.66         75
                                       7.000            424.66
    STATEN ISLAND    NY   10315          5            07/29/02         00
    1266081                              01           09/01/02          0
    1266081                              N            08/01/32
    0

    8095733          286/286             F           46,500.00         ZZ
                                         360         46,414.50          1
                                       7.250            317.22         75
                                       7.000            317.22
    STATEN ISLAND    NY   10315          5            07/29/02         00
    1266083                              01           09/01/02          0
    1266083                              N            08/01/32
    0

    8095735          286/286             F           47,200.00         ZZ
                                         360         47,124.28          1
                                       7.125            318.00         73
                                       6.875            318.00
    WILMINGTON       DE   19802          5            07/23/02         00
    1385239                              03           09/01/02          0
    1385239                              N            08/01/32
    0

    8095737          286/286             F           61,600.00         ZZ
                                         360         61,551.94          1
                                       7.250            420.23         80
                                       7.000            420.23
    CHANDLER         AZ   85224          5            08/08/02         00
    1406769                              05           10/01/02          0
    1406769                              N            09/01/32
    0

    8095739          286/286             F           78,400.00         ZZ
                                         360         78,283.26          1
                                       7.500            548.19         80
                                       7.250            548.19
    ALBUQUERQUE      NM   87120          5            07/12/02         00
    1376690                              05           09/01/02          0
    1376690                              N            08/01/32
    0

    8095741          286/286             F          110,700.00         ZZ
                                         360        110,432.84          1
                                       7.125            745.81         90
                                       6.875            745.81
1

    ALBUQUERQUE      NM   87109          1            06/18/02         12
    1436606                              05           08/01/02         25
    1436606                              N            07/01/32
    0

    8095743          286/286             F           58,500.00         ZZ
                                         360         58,412.90          1
                                       7.500            409.04         90
                                       7.250            409.04
    VAIL             AZ   85641          1            07/17/02         12
    1392968                              05           09/01/02         25
    1392968                              N            08/01/32
    0

    8095745          286/286             F          100,000.00         ZZ
                                         360         99,839.59          1
                                       7.125            673.72         53
                                       6.875            673.72
    CLOVIS           CA   93611          1            07/25/02         00
    1391523                              05           09/01/02          0
    1391523                              N            08/01/32
    0

    8095747          286/286             F          160,200.00         ZZ
                                         360        160,081.10          1
                                       7.500          1,120.15         90
                                       7.250          1,120.15
    HOLLYWOOD        FL   33021          1            08/06/02         10
    1439952                              05           10/01/02         25
    1439952                              N            09/01/32
    0

    8095749          286/286             F          200,000.00         ZZ
                                         360        199,831.97          1
                                       6.875          1,313.86         67
                                       6.625          1,313.86
    SAN DIEGO        CA   92107          1            08/22/02         00
    1470383                              05           10/01/02          0
    1470383                              N            09/01/32
    0

    8095751          286/286             F           85,600.00         ZZ
                                         360         85,507.79          1
                                       7.000            569.50         80
                                       6.750            569.50
    SAN DIEGO        CA   92108          1            08/06/02         00
    1108639                              05           10/01/02          0
    1108639                              N            09/01/32
    0
1

    8095757          286/286             F           93,500.00         ZZ
                                         360         93,220.82          1
                                       7.375            645.79         76
                                       7.125            645.79
    INDIANAPOLIS     IN   46220          5            07/22/02         00
    1389281                              05           09/01/02          0
    1389281                              N            08/01/32
    0

    8095759          286/286             F           87,300.00         ZZ
                                         360         87,030.90          1
                                       7.500            610.42         90
                                       7.250            610.42
    INDIANAPOLIS     IN   46229          1            07/29/02         11
    1396680                              05           09/01/02         25
    1396680                              N            08/01/32
    0

    8095763          286/286             F          118,400.00         ZZ
                                         360        118,214.71          1
                                       7.250            807.70         80
                                       7.000            807.70
    SOUTHFIELD       MI   48034          1            07/30/02         00
    1296465                              01           09/01/02          0
    1296465                              N            08/01/32
    0

    8095767          286/286             F           28,800.00         ZZ
                                         360         28,757.13          1
                                       7.500            201.37         90
                                       7.250            201.37
    ARLINGTON        TX   76006          1            07/29/02         04
    1427160                              01           09/01/02         25
    1427160                              N            08/01/32
    0

    8095769          286/286             F          100,250.00         ZZ
                                         360        100,100.72          1
                                       7.500            700.97         79
                                       7.250            700.97
    HAMILTON         OH   45011          5            07/29/02         00
    1425793                              05           09/01/02          0
    1425793                              N            08/01/32
    0

    8095771          286/286             F           50,000.00         ZZ
                                         360         49,923.67          1
1

                                       7.375            345.34         74
                                       7.125            345.34
    MIAMI BEACH      FL   33141          1            07/22/02         00
    1433203                              01           09/01/02          0
    1433203                              N            08/01/32
    0

    8095777          286/286             F           70,000.00         ZZ
                                         360         69,942.61          1
                                       7.000            465.72         34
                                       6.750            465.72
    JACKSON          GA   30233          5            08/22/02         00
    1502917                              05           10/01/02          0
    1502917                              N            09/01/32
    0

    8095779          286/286             F           94,800.00         ZZ
                                         360         94,647.92          1
                                       7.125            638.69         80
                                       6.875            638.69
    MEMPHIS          TN   38117          2            07/16/02         00
    1384366                              05           09/01/02          0
    1384366                              N            08/01/32
    0

    8095781          286/286             F           32,000.00         ZZ
                                         360         31,974.41          2
                                       7.125            215.59         64
                                       6.875            215.59
    COLUMBUS         OH   43207          5            08/08/02         00
    1403228                              05           10/01/02          0
    1403228                              N            09/01/32
    0

    8095785          286/286             F           88,000.00         ZZ
                                         360         87,862.28          2
                                       7.250            600.32         80
                                       7.000            600.32
    GREENVILLE       SC   29617          1            08/01/02         00
    1390559                              05           09/01/02          0
    1390559                              N            08/01/32
    0

    8095787          286/286             F           99,000.00         ZZ
                                         360         98,841.17          2
                                       7.125            666.99         90
                                       6.875            666.99
    CHICAGO          IL   60623          1            07/18/02         11
    1361817                              05           09/01/02         25
1

    1361817                              N            08/01/32
    0

    8095789          286/286             F          120,000.00         ZZ
                                         360        119,710.41          1
                                       7.125            808.46         80
                                       6.875            808.46
    FORT WORTH       TX   76109          5            06/27/02         00
    1436558                              05           08/01/02          0
    1436558                              N            07/01/32
    0

    8095797          286/286             F           60,000.00         ZZ
                                         360         59,908.40          1
                                       7.375            414.41         80
                                       7.125            414.41
    WATERBURY        CT   06708          1            08/05/02         00
    1378575                              01           09/01/02          0
    1378575                              N            08/01/32
    0

    8095799          286/286             F          136,000.00         ZZ
                                         360        135,792.39          2
                                       7.375            939.32         80
                                       7.125            939.32
    PEORIA           IL   61614          5            07/31/02         00
    1383714                              05           09/01/02          0
    1383714                              N            08/01/32
    0

    8095801          286/286             F          110,400.00         ZZ
                                         360        110,231.46          2
                                       7.375            762.51         80
                                       7.125            762.51
    CANTON           IL   61570          5            07/31/02         00
    1383718                              05           09/01/02          0
    1383718                              N            08/01/32
    0

    8095805          286/286             F           52,000.00         ZZ
                                         360         51,958.41          2
                                       7.125            350.34         80
                                       6.875            350.34
    OROVILLE         CA   95965          1            08/27/02         00
    1456965                              05           10/01/02          0
    1456965                              N            09/01/32
    0

1

    8095807          286/286             F           52,000.00         ZZ
                                         360         51,958.41          2
                                       7.125            350.34         80
                                       6.875            350.34
    OROVILLE         CA   95965          1            08/27/02         00
    1456990                              05           10/01/02          0
    1456990                              N            09/01/32
    0

    8095809          286/286             F          100,800.00         ZZ
                                         360        100,691.59          1
                                       7.500            704.81         90
                                       7.250            704.81
    SACRAMENTO       CA   95838          1            08/21/02         14
    1474025                              05           10/01/02         25
    1474025                              N            09/01/32
    0

    8095813          286/286             F          112,000.00         ZZ
                                         360        111,833.24          1
                                       7.500            783.12         74
                                       7.250            783.12
    DENVER           CO   80223          5            07/03/02         00
    1382189                              05           09/01/02          0
    1382189                              N            08/01/32
    0

    8095815          286/286             F          157,500.00         ZZ
                                         360        157,247.35          3
                                       7.125          1,061.11         70
                                       6.875          1,061.11
    TUCSON           AZ   85719          1            07/30/02         00
    1463422                              05           09/01/02          0
    1463422                              N            08/01/32
    0

    8095817          286/286             F           58,100.00         ZZ
                                         360         58,055.78          4
                                       7.375            401.28         75
                                       7.125            401.28
    TWENTYNINE PALM  CA   92277          1            08/07/02         00
    1106101                              05           10/01/02          0
    1106101                              N            09/01/32
    0

    8095821          286/286             F          191,250.00         ZZ
                                         360        191,250.00          1
                                       7.625          1,353.66         75
                                       7.375          1,353.66
1

    STOCKTON         CA   95207          2            09/06/02         00
    1416137                              03           11/01/02          0
    1416137                              N            10/01/32
    0

    8095829          286/286             F           39,200.00         ZZ
                                         360         39,009.15          1
                                       7.125            264.10         80
                                       6.875            264.10
    NILES            OH   44446          1            08/09/02         00
    1389210                              05           10/01/02          0
    1389210                              N            09/01/32
    0

    8095833          286/286             F           48,000.00         ZZ
                                         360         47,962.55          2
                                       7.250            327.45         80
                                       7.000            327.45
    BADEN            PA   15005          5            08/14/02         00
    1442123                              05           10/01/02          0
    1442123                              N            09/01/32
    0

    8095835          286/286             F           85,600.00         ZZ
                                         360         85,522.61          1
                                       6.500            541.06         80
                                       6.250            541.06
    UNIVERSITY PLAC  WA   98467          2            08/28/02         00
    1256334                              05           10/01/02          0
    1256334                              N            09/01/32
    0

    8095837          286/286             F           93,500.00         ZZ
                                         360         93,430.61          1
                                       7.500            653.77         90
                                       7.250            653.77
    ATLANTA          GA   30311          1            08/27/02         14
    1523555                              05           10/01/02         25
    1523555                              N            09/01/32
    0

    8095839          286/286             F           33,750.00         ZZ
                                         360         33,723.67          1
                                       7.250            230.24         90
                                       7.000            230.24
    FAIRBORN         OH   45324          1            08/02/02         10
    1401978                              05           10/01/02         25
    1401978                              N            09/01/32
    0
1

    8095841          286/286             F           69,600.00         ZZ
                                         360         69,541.52          1
                                       6.875            457.22         80
                                       6.625            457.22
    APPLE VALLEY     CA   92307          1            08/08/02         00
    1111021                              05           10/01/02          0
    1111021                              N            09/01/32
    0

    8095843          286/286             F          105,000.00         ZZ
                                         360        104,839.71          1
                                       7.375            725.21         75
                                       7.125            725.21
    ROSWELL          GA   30076          5            07/23/02         00
    1393410                              05           09/01/02          0
    1393410                              N            08/01/32
    0

    8095845          286/286             F          106,000.00         ZZ
                                         360        105,784.54          1
                                       7.125            714.15         74
                                       6.875            714.15
    DREXEL HILL      PA   19026          5            07/23/02         00
    1414018                              05           09/01/02          0
    1414018                              N            08/01/32
    0

    8095849          286/286             F          134,400.00         ZZ
                                         360        134,194.83          1
                                       7.375            928.27         80
                                       7.125            928.27
    TEMPE            AZ   85283          2            07/18/02         00
    1435869                              05           09/01/02          0
    1435869                              N            08/01/32
    0

    8095851          286/286             F          126,000.00         ZZ
                                         360        125,904.11          1
                                       7.375            870.26         90
                                       7.125            870.26
    VIRGINIA BEACH   VA   23454          1            08/08/02         11
    1399607                              03           10/01/02         25
    1399607                              N            09/01/32
    0

    8095857          286/286             F           55,800.00         ZZ
                                         360         55,710.48          1
1

                                       7.125            375.94         90
                                       6.875            375.94
    INDIANAPOLIS     IN   46201          1            07/16/02         12
    1428922                              05           09/01/02         25
    1428922                              N            08/01/32
    0

    8095861          286/286             F          169,200.00         ZZ
                                         360        168,928.57          1
                                       7.125          1,139.94         80
                                       6.875          1,139.94
    HOUSTON          TX   77077          1            07/24/02         00
    1388574                              03           09/01/02          0
    1388574                              N            08/01/32
    0

    8095863          286/286             F          212,000.00         ZZ
                                         360        211,647.10          3
                                       7.250          1,446.22         80
                                       7.000          1,446.22
    COLUMBUS         OH   43201          2            07/23/02         00
    1381077                              05           09/01/02          0
    1381077                              N            08/01/32
    0

    8095865          286/286             F           65,800.00         ZZ
                                         360         65,702.01          1
                                       7.500            460.09         70
                                       7.250            460.09
    RAYTOWN          MO   64138          5            08/01/02         00
    1398650                              05           09/01/02          0
    1398650                              N            08/01/32
    0

    8095867          286/286             F           77,895.00         ZZ
                                         360         77,776.08          1
                                       7.375            538.01         90
                                       7.125            538.01
    LAS VEGAS        NV   89107          1            07/30/02         11
    1106325                              03           09/01/02         25
    1106325                              N            08/01/32
    0

    8095869          286/286             F           45,900.00         ZZ
                                         360         45,829.12          1
                                       7.375            317.02         90
                                       7.125            317.02
    ANDERSON         SC   29625          1            07/30/02         10
    1406915                              05           09/01/02         25
1

    1406915                              N            08/01/32
    0

    8095871          286/286             F           75,000.00         ZZ
                                         360         74,882.64          1
                                       7.250            511.63         52
                                       7.000            511.63
    CAPE CORAL       FL   33904          5            08/02/02         00
    1451195                              01           09/01/02          0
    1451195                              N            08/01/32
    0

    8095875          286/286             F          116,000.00         ZZ
                                         360        115,902.54          1
                                       6.875            762.04         80
                                       6.625            762.04
    COLLEGEVILLE     PA   19426          1            08/27/02         00
    1524751                              05           10/01/02          0
    1524751                              N            09/01/32
    0

    8095877          286/286             F           58,320.00         ZZ
                                         360         58,230.95          1
                                       7.375            402.81         90
                                       7.125            402.81
    STONE MOUNTAIN   GA   39983          1            07/18/02         11
    1350971                              05           09/01/02         25
    1350971                              N            08/01/32
    0

    8095879          286/286             F          102,150.00         ZZ
                                         360        101,982.20          1
                                       7.125            688.21         90
                                       6.875            688.21
    BREMERTON        WA   98310          1            07/18/02         12
    1391419                              05           09/01/02         25
    1391419                              N            08/01/32
    0

    8095881          286/286             F           50,000.00         ZZ
                                         360         49,923.67          1
                                       7.375            345.34         50
                                       7.125            345.34
    KETTERING        OH   45429          5            07/26/02         00
    1403672                              05           09/01/02          0
    1403672                              N            08/01/32
    0

1

    8095885          286/286             F           47,000.00         ZZ
                                         360         46,926.46          1
                                       7.250            320.62         78
                                       7.000            320.62
    AKRON            OH   44301          2            07/23/02         00
    1361783                              05           09/01/02          0
    1361783                              N            08/01/32
    0

    8095889          286/286             F           79,150.00         ZZ
                                         360         79,089.77          2
                                       7.375            546.67         90
                                       7.125            546.67
    HEMET            CA   92543          1            08/12/02         14
    1108866                              05           10/01/02         25
    1108866                              N            09/01/32
    0

    8095891          286/286             F           59,850.00         ZZ
                                         360         59,760.88          2
                                       7.500            418.48         70
                                       7.250            418.48
    LYONS            NY   14489          5            07/24/02         00
    1385535                              05           09/01/02          0
    1385535                              N            08/01/32
    0

    8095893          286/286             F           52,850.00         ZZ
                                         360         52,771.30          2
                                       7.500            369.54         70
                                       7.250            369.54
    LYONS            NY   14489          5            07/24/02         00
    1385610                              05           09/01/02          0
    1385610                              N            08/01/32
    0

    8095895          286/286             F           52,850.00         ZZ
                                         360         52,771.30          2
                                       7.500            369.54         70
                                       7.250            369.54
    LYONS            NY   14489          5            07/24/02         00
    1385621                              05           09/01/02          0
    1385621                              N            08/01/32
    0

    8095901          286/286             F          142,000.00         ZZ
                                         360        141,726.95          1
                                       7.250            968.70         80
                                       7.000            968.70
1

    SALINE           MI   48176          1            07/31/02         00
    1406930                              05           09/01/02          0
    1406930                              N            08/01/32
    0

    8095907          286/286             F           67,000.00         ZZ
                                         360         66,892.50          1
                                       7.125            451.40         61
                                       6.875            451.40
    SPOTSYLVANIA     VA   22553          2            07/24/02         00
    1377864                              05           09/01/02          0
    1377864                              N            08/01/32
    0

    8095911          286/286             F           93,100.00         ZZ
                                         360         92,954.30          1
                                       7.250            635.11         70
                                       7.000            635.11
    TUCSON           AZ   85743          5            07/22/02         00
    1442513                              03           09/01/02          0
    1442513                              N            08/01/32
    0

    8095913          286/286             F           35,100.00         ZZ
                                         360         35,021.38          1
                                       7.500            245.42         90
                                       7.250            245.42
    LUBBOCK          TX   79412          1            06/18/02         21
    1400641                              05           08/01/02         25
    1400641                              N            07/01/32
    0

    8095931          286/286             F           75,000.00         ZZ
                                         360         74,882.62          2
                                       7.250            511.64         75
                                       7.000            511.64
    SPRINGFIELD      OH   45503          5            07/29/02         00
    1403452                              05           09/01/02          0
    1403452                              N            08/01/32
    0

    8095937          286/286             F           73,400.00         ZZ
                                         360         73,287.94          1
                                       7.375            506.96         90
                                       7.125            506.96
    TOLEDO           OH   43607          1            07/26/02         10
    1407602                              05           09/01/02         25
    1407602                              N            08/01/32
    0
1

    8095943          286/286             F           54,400.00         ZZ
                                         360         54,314.86          1
                                       7.250            371.11         80
                                       7.000            371.11
    GASTONIA         NC   28052          5            07/25/02         00
    1396455                              05           09/01/02          0
    1396455                              N            08/01/32
    0

    8095947          286/286             F           72,000.00         ZZ
                                         360         71,887.32          1
                                       7.250            491.17         47
                                       7.000            491.17
    MT HOLLY         NC   28120          5            07/25/02         00
    1396523                              05           09/01/02          0
    1396523                              N            08/01/32
    0

    8095949          286/286             F          115,500.00         ZZ
                                         360        115,400.55          1
                                       6.750            749.14         75
                                       6.500            749.14
    SALT LAKE CITY   UT   84115          2            08/05/02         00
    1450070                              05           10/01/02          0
    1450070                              N            09/01/32
    0

    8095951          286/286             F          103,230.00         ZZ
                                         360        103,072.42          1
                                       7.375            712.98         90
                                       7.125            712.98
    RICHARDSON       TX   75080          1            07/08/02         12
    1445789                              05           09/01/02         25
    1445789                              N            08/01/32
    0

    8095955          286/286             F          120,000.00         ZZ
                                         360        119,899.18          1
                                       6.875            788.32         66
                                       6.625            788.32
    REDLANDS         CA   92373          5            08/23/02         00
    1466424                              05           10/01/02          0
    1466424                              N            09/01/32
    0

    8095957          286/286             F          216,000.00         ZZ
                                         360        215,812.44          1
1

                                       7.500          1,510.31         90
                                       7.250          1,510.31
    TEMECULA         CA   92592          1            08/27/02         10
    1473217                              03           10/01/02         25
    1473217                              N            09/01/32
    0

    8095959          286/286             F          216,900.00         ZZ
                                         360        216,714.11          1
                                       7.500          1,516.60         90
                                       7.250          1,516.60
    TEMECULA         CA   92592          1            08/28/02         10
    1480794                              03           10/01/02         25
    1480794                              N            09/01/32
    0

    8095961          286/286             F           60,000.00         ZZ
                                         360         59,910.66          1
                                       7.500            419.53         60
                                       7.250            419.53
    MERRITT ISLAND   FL   32952          1            07/31/02         00
    1311140                              05           09/01/02          0
    1311140                              N            08/01/32
    0

    8095963          286/286             F          178,000.00         ZZ
                                         360        177,660.36          1
                                       7.250          1,214.28         32
                                       7.000          1,214.28
    SAN JOSE         CA   95135          1            07/26/02         00
    1362000                              03           09/01/02          0
    1362000                              N            08/01/32
    0

    8095965          286/286             F          132,500.00         ZZ
                                         360        132,061.39          3
                                       7.000            881.53         57
                                       6.750            881.53
    REDDING          CA   96002          1            08/20/02         00
    1467922                              05           10/01/02          0
    1467922                              N            09/01/32
    0

    8095969          286/286             F          218,240.00         ZZ
                                         360        217,889.90          2
                                       7.125          1,470.33         80
                                       6.875          1,470.33
    RICHMOND         VA   23220          1            08/01/02         00
    1430855                              05           09/01/02          0
1

    1430855                              N            08/01/32
    0

    8095975          286/286             F          110,800.00         ZZ
                                         360        110,622.25          1
                                       7.125            746.49         90
                                       6.875            746.49
    EVERETT          WA   98203          1            07/29/02         14
    1446091                              05           09/01/02         25
    1446091                              N            08/01/32
    0

    8095977          286/286             F           79,000.00         ZZ
                                         360         78,876.37          1
                                       7.250            538.92         80
                                       7.000            538.92
    LITHONIA         GA   30058          1            07/19/02         00
    1348796                              05           09/01/02          0
    1348796                              N            08/01/32
    0

    8095979          286/286             F           34,200.00         ZZ
                                         360         34,200.00          1
                                       7.375            236.22         82
                                       7.125            236.22
    CLOVIS           NM   88101          2            09/05/02         10
    1537967                              05           11/01/02         25
    1537967                              N            10/01/32
    0

    8095981          286/286             F          153,600.00         ZZ
                                         360        153,359.62          2
                                       7.250          1,047.83         80
                                       7.000          1,047.83
    PITTSBURGH       PA   15232          1            07/25/02         00
    1330002                              05           09/01/02          0
    1330002                              N            08/01/32
    0

    8095985          286/286             F          211,500.00         ZZ
                                         360        211,343.04          2
                                       7.500          1,478.84         90
                                       7.250          1,478.84
    RANCHO CORDOVA   CA   95670          1            08/17/02         10
    1257920                              05           10/01/02         25
    1257920                              N            09/01/32
    0

1

    8095989          286/286             F           52,000.00         ZZ
                                         360         51,961.40          1
                                       7.500            363.60         80
                                       7.250            363.60
    ANDERSON         IN   46016          5            09/05/02         00
    1493909                              05           10/01/02          0
    1493909                              N            09/01/32
    0

    8095997          286/286             F           36,000.00         ZZ
                                         360         35,973.28          1
                                       7.500            251.72         80
                                       7.250            251.72
    RAWSON           OH   45881          1            08/02/02         00
    1398996                              05           10/01/02          0
    1398996                              N            09/01/32
    0

    8096003          286/286             F          103,200.00         ZZ
                                         360        103,117.47          1
                                       7.125            695.28         80
                                       6.875            695.28
    SACRAMENTO       CA   95814          1            08/06/02         00
    1468247                              05           10/01/02          0
    1468247                              N            09/01/32
    0

    8096009          286/286             F           99,000.00         ZZ
                                         360         98,844.65          1
                                       7.250            675.35         90
                                       7.000            675.35
    CANTON           GA   30114          1            07/17/02         12
    1357434                              05           09/01/02         25
    1357434                              N            08/01/32
    0

    8096011          286/286             F          101,000.00         ZZ
                                         360        100,908.69          4
                                       6.500            638.39         74
                                       6.250            638.39
    FRESNO           CA   93726          1            08/19/02         00
    1408384                              05           10/01/02          0
    1408384                              N            09/01/32
    0

    8096019          286/286             F           64,000.00         ZZ
                                         360         63,904.70          2
                                       7.500            447.50         80
                                       7.250            447.50
1

    TEMPLE           TX   76504          1            07/19/02         00
    1393612                              05           09/01/02          0
    1393612                              N            08/01/32
    0

    8096025          286/286             F          124,000.00         ZZ
                                         360        123,865.15          1
                                       6.375            773.60         80
                                       6.125            773.60
    SALT LAKE CITY   UT   84103          2            08/26/02         00
    1496649                              05           10/01/02          0
    1496649                              N            09/01/32
    0

    8096029          286/286             F           99,000.00         ZZ
                                         360         98,918.85          1
                                       7.000            658.65         90
                                       6.750            658.65
    CHICAGO          IL   60632          1            08/26/02         19
    1487561                              05           10/01/02         25
    1487561                              N            09/01/32
    0

    8096041          286/286             F          127,900.00         ZZ
                                         360        127,802.67          1
                                       7.375            883.38         80
                                       7.125            883.38
    UPLAND           CA   91786          1            08/15/02         00
    1108222                              05           10/01/02          0
    1108222                              N            09/01/32
    0

    8096047          286/286             F           70,000.00         ZZ
                                         360         69,945.39          1
                                       7.250            477.53         56
                                       7.000            477.53
    COLUMBUS         OH   43214          2            08/08/02         00
    1380916                              05           10/01/02          0
    1380916                              N            09/01/32
    0

    8096053          286/286             F           49,400.00         ZZ
                                         360         49,324.57          1
                                       7.375            341.20         90
                                       7.125            341.20
    PENSACOLA        FL   32526          1            07/30/02         14
    1405980                              03           09/01/02         25
    1405980                              N            08/01/32
    0
1

    8096055          286/286             F          124,100.00         ZZ
                                         360        124,007.90          2
                                       7.500            867.73         90
                                       7.250            867.73
    FAIRHAVEN        MA   02719          1            08/30/02         14
    1502429                              05           10/01/02         25
    1502429                              N            09/01/32
    0

    8096063          286/286             F           54,000.00         ZZ
                                         360         53,917.55          1
                                       7.375            372.97         90
                                       7.125            372.97
    ROCHESTER        PA   15074          1            07/31/02         10
    1406126                              05           09/01/02         25
    1406126                              N            08/01/32
    0

    8096067          286/286             F           61,200.00         ZZ
                                         360         61,153.42          1
                                       7.375            422.70         80
                                       7.125            422.70
    CASA GRANDE      AZ   85222          1            08/23/02         00
    1476889                              05           10/01/02          0
    1476889                              N            09/01/32
    0

    8096081          286/286             F           64,350.00         ZZ
                                         360         64,302.24          1
                                       7.500            449.95         90
                                       7.250            449.95
    DELTONA          FL   32738          1            08/07/02         14
    1413552                              05           10/01/02         25
    1413552                              N            09/01/32
    0

    8096091          286/286             F          138,600.00         ZZ
                                         360        138,377.66          2
                                       7.125            933.78         90
                                       6.875            933.78
    BIDDEFORD        ME   04005          1            07/29/02         12
    1451220                              05           09/01/02         25
    1451220                              N            08/01/32
    0

    8096097          286/286             F           79,200.00         ZZ
                                         360         78,771.49          2
1

                                       7.500            553.78         90
                                       7.250            553.78
    LUDINGTON        MI   49431          1            07/22/02         10
    1388982                              05           09/01/02         25
    1388982                              N            08/01/32
    0

    8096099          286/286             F           70,000.00         ZZ
                                         360         69,841.18          1
                                       6.875            459.86         58
                                       6.625            459.86
    ARLINGTON        VA   22204          1            08/19/02         00
    1491104                              01           10/01/02          0
    1491104                              N            09/01/32
    0

    8096101          286/286             F           75,000.00         ZZ
                                         360         74,941.49          1
                                       7.250            511.64         69
                                       7.000            511.64
    CHATTANOOGA      TN   37421          5            08/20/02         00
    1443384                              05           10/01/02          0
    1443384                              N            09/01/32
    0

    8096103          286/286             F          162,000.00         ZZ
                                         360        161,860.52          2
                                       6.750          1,050.73         90
                                       6.500          1,050.73
    STOCKTON         CA   95210          1            08/29/02         10
    1501280                              05           10/01/02         25
    1501280                              N            09/01/32
    0

    8096105          286/286             F           67,050.00         ZZ
                                         360         66,892.13          1
                                       7.250            457.40         89
                                       7.000            457.40
    ALBUQUERQUE      NM   87120          1            06/17/02         12
    1445406                              05           08/01/02         25
    1445406                              N            07/01/32
    0

    8096109          286/286             F          258,400.00         ZZ
                                         360        257,968.12          4
                                       7.250          1,762.75         80
                                       7.000          1,762.75
    PROSPECT PARK    NJ   07508          1            08/05/02         00
    1361856                              05           09/01/02          0
1

    1361856                              N            08/01/32
    0

    8096111          286/286             F           87,300.00         ZZ
                                         360         87,166.73          1
                                       7.375            602.96         90
                                       7.125            602.96
    TUCSON           AZ   85719          1            07/29/02         14
    1311836                              03           09/01/02         25
    1311836                              N            08/01/32
    0

    8096119          286/286             F          103,410.00         ZZ
                                         360        103,333.25          1
                                       7.500            723.06         90
                                       7.250            723.06
    POWDER SPRINGS   GA   30127          1            08/06/02         12
    1407434                              05           10/01/02         25
    1407434                              N            09/01/32
    0

    8096123          286/286             F           62,000.00         ZZ
                                         360         61,946.61          1
                                       6.750            402.14         62
                                       6.500            402.14
    STOCKTON         CA   95203          5            08/26/02         00
    1416610                              05           10/01/02          0
    1416610                              N            09/01/32
    0

    8096125          286/286             F           33,750.00         ZZ
                                         360         33,750.00          1
                                       7.250            230.24         68
                                       7.000            230.24
    BRAZIL           IN   47834          5            09/06/02         00
    1491251                              05           11/01/02          0
    1491251                              N            10/01/32
    0

    8096127          286/286             F           74,000.00         ZZ
                                         360         73,889.82          1
                                       7.500            517.42         78
                                       7.250            517.42
    LAS VEGAS        NV   89115          2            07/26/02         00
    1019049                              03           09/01/02          0
    1019049                              N            08/01/32
    0

1

    8096131          286/286             F          109,350.00         ZZ
                                         360        109,183.07          2
                                       7.375            755.26         90
                                       7.125            755.26
    LAKE ELSINORE    CA   92530          1            07/26/02         12
    1432417                              05           09/01/02         30
    1432417                              N            08/01/32
    0

    8096133          286/286             F           86,250.00         ZZ
                                         360         86,118.33          2
                                       7.375            595.71         75
                                       7.125            595.71
    RED BANK         TN   37415          5            07/24/02         00
    1377277                              05           09/01/02          0
    1377277                              N            08/01/32
    0

    8096135          286/286             F          160,000.00         ZZ
                                         360        159,865.58          1
                                       6.875          1,051.09         56
                                       6.625          1,051.09
    SANTA MONICA     CA   90404          2            08/07/02         00
    808296                               01           10/01/02          0
    808296                               N            09/01/32
    0

    8096137          286/286             F           31,500.00         ZZ
                                         360         31,427.66          1
                                       7.375            217.56         90
                                       7.125            217.56
    GRAND PRAIRIE    TX   75050          1            06/26/02         12
    1442792                              05           08/01/02         25
    1442792                              N            07/01/32
    0

    8096143          286/286             F           46,800.00         ZZ
                                         360         46,723.04          1
                                       7.000            311.37         90
                                       6.750            311.37
    PHILADELPHIA     PA   19145          1            07/26/02         10
    1396666                              05           09/01/02         25
    1396666                              N            08/01/32
    0

    8096145          286/286             F          104,000.00         ZZ
                                         360        103,920.86          1
                                       7.375            718.31         90
                                       7.125            718.31
1

    LOS MOLINOS      CA   96055          1            08/08/02         10
    1476098                              05           10/01/02         25
    1476098                              N            09/01/32
    0

    8096147          286/286             F           93,790.00         ZZ
                                         360         93,650.34          1
                                       7.500            655.80         90
                                       7.250            655.80
    ROYAL OAK        MI   48073          1            07/19/02         11
    1081837                              01           09/01/02         25
    1081837                              N            08/01/32
    0

    8096153          286/286             F          135,000.00         ZZ
                                         360        134,788.74          1
                                       7.250            920.94         90
                                       7.000            920.94
    MIAMI            FL   33193          1            07/19/02         10
    1374733                              03           09/01/02         25
    1374733                              N            08/01/32
    0

    8096159          286/286             F          122,300.00         ZZ
                                         360        122,202.20          1
                                       7.125            823.96         90
                                       6.875            823.96
    HENDERSON        NV   89074          1            08/16/02         10
    1464079                              03           10/01/02         25
    1464079                              N            09/01/32
    0

    8096161          286/286             F           52,800.00         ZZ
                                         360         52,721.38          1
                                       7.500            369.19         80
                                       7.250            369.19
    ORLANDO          FL   32822          1            07/22/02         00
    1428757                              01           09/01/02          0
    1428757                              N            08/01/32
    0

    8096163          286/286             F          103,040.00         ZZ
                                         360        102,886.58          1
                                       7.500            720.47         80
                                       7.250            720.47
    LANCASTER        PA   17601          1            07/30/02         00
    1299362                              03           09/01/02          0
    1299362                              N            08/01/32
    0
1

    8096177          286/286             F          174,000.00         ZZ
                                         360        173,860.85          1
                                       7.125          1,172.28         77
                                       6.875          1,172.28
    GREENWOOD        IN   46142          2            08/21/02         00
    1442748                              05           10/01/02          0
    1442748                              N            09/01/32
    0

    8096179          286/286             F           92,000.00         ZZ
                                         360         91,926.42          1
                                       7.125            619.83         80
                                       6.875            619.83
    INDIANAPOLIS     IN   46227          2            08/21/02         00
    1443437                              05           10/01/02          0
    1443437                              N            09/01/32
    0

    8096181          286/286             F           82,800.00         ZZ
                                         360         82,512.99          1
                                       7.375            571.88         90
                                       7.125            571.88
    GERMANTOWN       MD   20874          1            07/30/02         11
    1439940                              01           09/01/02         25
    1439940                              N            08/01/32
    0

    8096193          286/286             F          156,000.00         ZZ
                                         360        155,875.24          1
                                       7.125          1,051.01         80
                                       6.875          1,051.01
    AUSTIN           TX   78722          1            08/16/02         00
    1390200                              05           10/01/02          0
    1390200                              N            09/01/32
    0

    8096211          286/286             F           47,000.00         ZZ
                                         360         46,963.33          1
                                       7.250            320.63         22
                                       7.000            320.63
    NORFOLK          VA   23518          1            08/15/02         00
    1458394                              05           10/01/02          0
    1458394                              N            09/01/32
    0

    8096215          286/286             F          117,000.00         ZZ
                                         300        116,858.40          2
1

                                       7.125            836.29         90
                                       6.875            836.29
    NEW ORLEANS      LA   70117          1            08/29/02         14
    1477378                              05           10/01/02         25
    1477378                              N            09/01/27
    0

    8096219          286/286             F          115,000.00         ZZ
                                         360        114,910.28          1
                                       7.250            784.51         78
                                       7.000            784.51
    PEMBROKE PINES   FL   33029          1            08/15/02         00
    1472574                              03           10/01/02          0
    1472574                              N            09/01/32
    0

    8096223          286/286             F           62,900.00         ZZ
                                         360         62,852.13          1
                                       7.375            434.44         90
                                       7.125            434.44
    PANAMA CITY BEA  FL   32413          1            08/09/02         10
    1483725                              05           10/01/02         25
    1483725                              N            09/01/32
    0

    8096225          286/286             F           50,500.00         ZZ
                                         360         50,462.52          1
                                       7.500            353.11         83
                                       7.250            353.11
    TALLAHASSEE      FL   32305          2            08/08/02         10
    1433927                              05           10/01/02         25
    1433927                              N            09/01/32
    0

    8096227          286/286             F           50,500.00         ZZ
                                         360         50,462.52          1
                                       7.500            353.11         88
                                       7.250            353.11
    TALLAHASSEE      FL   32301          2            08/08/02         10
    1434215                              05           10/01/02         25
    1434215                              N            09/01/32
    0

    8096233          286/286             F          114,300.00         ZZ
                                         360        114,121.12          2
                                       7.250            779.73         86
                                       7.000            779.73
    PERTH AMBOY      NJ   08861          1            08/05/02         11
    1415487                              05           09/01/02         25
1

    1415487                              N            08/01/32
    0

    8096239          286/286             F          256,900.00         ZZ
                                         360        256,517.48          3
                                       7.500          1,796.29         70
                                       7.250          1,796.29
    CHELSEA          MA   02445          5            07/31/02         00
    1358277                              05           09/01/02          0
    1358277                              N            08/01/32
    0

    8096241          286/286             F          256,900.00         ZZ
                                         360        256,517.48          3
                                       7.500          1,796.29         70
                                       7.250          1,796.29
    CHELSEA          MA   02445          5            07/31/02         00
    1358278                              05           09/01/02          0
    1358278                              N            08/01/32
    0

    8096243          286/286             F          256,900.00         ZZ
                                         360        256,517.48          3
                                       7.500          1,796.29         70
                                       7.250          1,796.29
    CHELSEA CITY     MA   02150          5            07/31/02         00
    1358279                              05           09/01/02          0
    1358279                              N            08/01/32
    0

    8096251          286/286             F           54,000.00         ZZ
                                         360         53,919.59          1
                                       7.500            377.58         72
                                       7.250            377.58
    LOUISVILLE       KY   40215          2            07/26/02         00
    1401765                              05           09/01/02          0
    1401765                              N            08/01/32
    0

    8096255          286/286             F           60,000.00         ZZ
                                         360         59,910.66          1
                                       7.500            419.53         50
                                       7.250            419.53
    PHILADELPHIA     PA   19111          1            07/23/02         00
    1304476                              05           09/01/02          0
    1304476                              N            08/01/32
    0

1

    8096259          286/286             F           65,000.00         ZZ
                                         360         64,941.23          1
                                       6.500            410.85         60
                                       6.250            410.85
    HEMET            CA   92543          2            08/13/02         00
    1426686                              05           10/01/02          0
    1426686                              N            09/01/32
    0

    8096263          286/286             F           99,150.00         ZZ
                                         360         99,072.65          1
                                       7.250            676.38         75
                                       7.000            676.38
    RENO             NV   89506          1            08/20/02         00
    761050                               03           10/01/02          0
    761050                               N            09/01/32
    0

    8096265          286/286             F          121,450.00         ZZ
                                         360        121,355.26          1
                                       7.250            828.50         90
                                       7.000            828.50
    BIG BEAR LAKE    CA   92315          1            08/14/02         14
    809017                               05           10/01/02         25
    809017                               N            09/01/32
    0

    8096267          286/286             F           59,850.00         ZZ
                                         360         59,805.58          1
                                       7.500            418.48         90
                                       7.250            418.48
    MUNCIE           IN   47303          1            08/05/02         21
    1448456                              05           10/01/02         25
    1448456                              N            09/01/32
    0

    8096269          286/286             F           65,600.00         ZZ
                                         360         65,497.33          2
                                       7.250            447.51         80
                                       7.000            447.51
    CLEVELAND        OH   44102          5            08/02/02         00
    1401609                              05           09/01/02          0
    1401609                              N            08/01/32
    0

    8096271          286/286             F           56,000.00         ZZ
                                         360         55,955.22          1
                                       7.125            377.28         35
                                       6.875            377.28
1

    ARVADA           CO   80005          2            08/06/02         00
    1401117                              01           10/01/02          0
    1401117                              N            09/01/32
    0

    8096273          286/286             F           50,000.00         ZZ
                                         360         49,960.02          1
                                       7.125            336.86         55
                                       6.875            336.86
    LAKEWOOD         CO   80227          5            08/06/02         00
    1401124                              01           10/01/02          0
    1401124                              N            09/01/32
    0

    8096277          286/286             F           95,200.00         ZZ
                                         360         94,846.49          2
                                       7.125            641.38         80
                                       6.875            641.38
    RED WING         MN   55066          1            07/10/02         00
    1342081                              05           09/01/02          0
    1342081                              N            08/01/32
    0

    8096279          286/286             F           77,400.00         ZZ
                                         360         77,341.10          1
                                       7.375            534.59         78
                                       7.125            534.59
    LORAIN           OH   44055          5            08/01/02         00
    1399293                              05           10/01/02          0
    1399293                              N            09/01/32
    0

    8096281          286/286             F           81,600.00         ZZ
                                         360         81,472.30          1
                                       7.250            556.66         80
                                       7.000            556.66
    HOLLISTER        MO   65672          2            07/24/02         00
    1382517                              05           09/01/02          0
    1382517                              N            08/01/32
    0

    8096283          286/286             F           81,600.00         ZZ
                                         360         81,458.73          1
                                       7.250            556.66         80
                                       7.000            556.66
    HOLLISTER        MO   65672          2            07/24/02         00
    1382525                              05           09/01/02          0
    1382525                              N            08/01/32
    0
1

    8096285          286/286             F           91,800.00         ZZ
                                         360         91,656.34          1
                                       7.250            626.24         89
                                       7.000            626.24
    HOLLISTER        MO   65672          2            07/24/02         11
    1382531                              05           09/01/02         25
    1382531                              N            08/01/32
    0

    8096287          286/286             F           91,800.00         ZZ
                                         360         91,656.34          1
                                       7.250            626.24         90
                                       7.000            626.24
    HOLLISTER        MO   65672          2            07/24/02         11
    1382535                              05           09/01/02         25
    1382535                              N            08/01/32
    0

    8096289          286/286             F           91,800.00         ZZ
                                         360         91,656.34          1
                                       7.250            626.24         90
                                       7.000            626.24
    HOLLISTER        MO   65672          2            07/24/02         11
    1382538                              05           09/01/02         25
    1382538                              N            08/01/32
    0

    8096293          286/286             F          102,400.00         ZZ
                                         360        102,318.11          1
                                       7.125            689.89         80
                                       6.875            689.89
    PROVO            UT   84604          1            08/29/02         00
    1499341                              05           10/01/02          0
    1499341                              N            09/01/32
    0

    8096297          286/286             F           39,000.00         ZZ
                                         360         38,941.92          1
                                       7.500            272.70         56
                                       7.250            272.70
    HOGANSVILLE      GA   30230          5            07/16/02         00
    1285811                              05           09/01/02          0
    1285811                              N            08/01/32
    0

    8096301          286/286             F          175,000.00         ZZ
                                         360        174,818.47          1
1

                                       6.500          1,106.12         60
                                       6.250          1,106.12
    EL CAJON         CA   92021          5            08/20/02         00
    1112336                              05           10/01/02          0
    1112336                              N            09/01/32
    0

    8096303          286/286             F           13,500.00         ZZ
                                         360         13,351.55          1
                                       7.125             90.96         90
                                       6.875             90.96
    WASHINGTON       PA   15301          1            07/01/02         10
    1088248                              05           08/01/02         25
    1088248                              N            07/01/32
    0

    8096307          286/286             F          168,000.00         ZZ
                                         360        167,749.84          1
                                       7.500          1,174.69         80
                                       7.250          1,174.69
    ELLICOTT CITY    MD   21043          1            07/30/02         00
    1352129                              05           09/01/02          0
    1352129                              N            08/01/32
    0

    8096309          286/286             F          100,000.00         ZZ
                                         360         99,915.99          1
                                       6.875            656.93         49
                                       6.625            656.93
    YUCAIPA          CA   92399          1            08/16/02         00
    1449511                              05           10/01/02          0
    1449511                              N            09/01/32
    0

    8096311          286/286             F           48,000.00         ZZ
                                         360         47,928.52          1
                                       7.500            335.63         80
                                       7.250            335.63
    INDIANAPOLIS     IN   46203          1            08/05/02         00
    1431775                              05           09/01/02          0
    1431775                              N            08/01/32
    0

    8096493          286/286             F           71,500.00         ZZ
                                         360         71,385.30          1
                                       7.125            481.71         75
                                       6.875            481.71
    CAMBY            IN   46113          2            07/30/02         00
    1398912                              05           09/01/02          0
1

    1398912                              N            08/01/32
    0

    8096495          286/286             F          120,000.00         ZZ
                                         360        119,812.19          1
                                       7.250            818.62         76
                                       7.000            818.62
    ARLINGTON        VA   22206          5            07/31/02         00
    1430508                              01           09/01/02          0
    1430508                              N            08/01/32
    0

    8096497          286/286             F          100,200.00         ZZ
                                         360        100,123.75          2
                                       7.375            692.06         56
                                       7.125            692.06
    CRANSTON         RI   02905          2            08/28/02         00
    1473906                              05           10/01/02          0
    1473906                              N            09/01/32
    0

    8096505          286/286             F          134,500.00         ZZ
                                         360        132,861.65          3
                                       7.375            928.96         57
                                       7.125            928.96
    WILDWOOD CREST   NJ   08260          5            08/15/02         00
    1045152                              05           10/01/02          0
    1045152                              N            09/01/32
    0

    8096507          286/286             F          101,250.00         ZZ
                                         360        101,095.44          1
                                       7.375            699.31         75
                                       7.125            699.31
    ARLINGTON        VA   22204          5            07/30/02         00
    1394215                              01           09/01/02          0
    1394215                              N            08/01/32
    0

    8096509          286/286             F           64,000.00         ZZ
                                         360         63,917.16          1
                                       7.500            447.50         80
                                       7.250            447.50
    BIRMINGHAM       AL   35205          1            08/15/02         00
    1472723                              05           10/01/02          0
    1472723                              N            09/01/32
    0

1

    8096513          286/286             F          136,080.00         ZZ
                                         360        135,953.96          1
                                       6.375            848.97         90
                                       6.125            848.97
    SPARKS           NV   89434          1            08/23/02         10
    1491781                              05           10/01/02         30
    1491781                              N            09/01/32
    0

    8096515          286/286             F           22,500.00         ZZ
                                         360         22,449.61          1
                                       7.500            157.32         90
                                       7.250            157.32
    LUBBOCK          TX   79415          1            06/18/02         21
    1400648                              05           08/01/02         25
    1400648                              N            07/01/32
    0

    8096573          U05/G02             F          146,000.00         ZZ
                                         360        146,000.00          1
                                       6.750            946.95         80
                                       6.500            946.95
    BEAVERTON        OR   97006          2            09/26/02         00
    0434706644                           09           11/01/02          0
    3266985                              N            10/01/32
    0

    8097091          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.500            682.63         80
                                       6.250            682.63
    SHENANDOAH       TX   77380          5            10/01/02         00
    0414968925                           03           11/01/02          0
    0414968925                           O            10/01/32
    0

    8097163          E22/G02             F          151,000.00         ZZ
                                         360        151,000.00          1
                                       7.500          1,055.81         95
                                       7.250          1,055.81
    HENDERSONVILLE   NC   28792          2            09/30/02         01
    0414546564                           05           11/01/02         30
    0414546564                           O            10/01/32
    0

    8097533          K15/G02             F           89,600.00         ZZ
                                         360         89,600.00          1
                                       7.000            596.11         80
                                       6.750            596.11
1

    BROOK PARK       MN   55007          5            09/26/02         00
    0434706404                           05           11/01/02          0
    013105503255                         O            10/01/32
    0

    8097853          E57/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.375          1,871.61         80
                                       6.125          1,871.61
    IRVINE           CA   92614          5            09/23/02         00
    0434711636                           05           11/01/02          0
    06009813                             O            10/01/32
    0

    8099825          L16/G02             F           90,000.00         ZZ
                                         360         90,000.00          4
                                       7.000            598.77         90
                                       6.750            598.77
    BAKERSFIELD      CA   93306          1            09/27/02         04
    0434704102                           05           11/01/02         25
    6645                                 N            10/01/32
    0

    8099937          532/G02             F          107,000.00         ZZ
                                         360        106,900.90          1
                                       6.375            667.54         75
                                       6.125            667.54
    TAYLORSVILLE     UT   84118          5            09/26/02         00
    0434722823                           05           10/30/02          0
    PF03024                              O            09/30/32
    0

    8100297          F62/F62             F          190,400.00         ZZ
                                         360        190,400.00          1
                                       7.250          1,298.86         80
                                       7.000          1,298.86
    COCONUT CREEK    FL   33073          1            09/17/02         00
    28593                                05           11/01/02          0
    28593                                O            10/01/32
    0

    8101325          P59/G02             F          215,000.00         ZZ
                                         240        215,000.00          1
                                       6.000          1,540.33         67
                                       5.750          1,540.33
    QUARTZ HILL      CA   93536          5            09/18/02         00
    0434711529                           05           11/01/02          0
    AT004417                             O            10/01/22
    0
1

    8102145          E60/G02             F          151,000.00         ZZ
                                         360        151,000.00          1
                                       6.375            942.04         51
                                       6.125            942.04
    CONCORD          CA   94521          5            09/27/02         00
    0434706172                           05           11/01/02          0
    514791                               O            10/01/32
    0

    8102243          X67/G02             F          168,800.00         ZZ
                                         360        168,800.00          1
                                       6.750          1,094.83         80
                                       6.500          1,094.83
    MURRIETA         CA   92562          1            09/30/02         00
    0434703294                           05           11/01/02          0
    00270123                             N            10/01/32
    0

    8104059          K39/G02             F          155,000.00         ZZ
                                         360        155,000.00          1
                                       6.500            979.71         80
                                       6.250            979.71
    LENOIR CITY      TN   37771          2            09/24/02         00
    0434702379                           05           11/01/02          0
    413867859                            O            10/01/32
    0

    8108187          P59/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.375          1,559.67         83
                                       6.125          1,559.67
    ATASCADERO       CA   93422          5            09/25/02         01
    0434725354                           05           11/01/02         12
    AT004303                             O            10/01/32
    0

    8318414          M24/G02             F          137,800.00         ZZ
                                         360        137,459.14          1
                                       7.000            916.79         84
                                       6.750            916.79
    FONTANA          CA   92337          2            06/25/02         14
    0434433413                           05           08/01/02         12
    2882002029                           O            07/01/32
    0

    8326062          P90/G02             F           72,060.00         ZZ
                                         360         72,000.93          1
1

                                       7.000            479.42         80
                                       6.750            479.42
    OKLAHOMA CITY    OK   73162          1            09/03/02         00
    0434560884                           05           10/03/02          0
    958557                               O            09/03/32
    0

    8326882          E23/G02             F          267,750.00         ZZ
                                         360        267,750.00          1
                                       7.000          1,781.35         85
                                       6.750          1,781.35
    POMONA           CA   91766          1            09/03/02         04
    0434573804                           05           11/01/02         12
    51017560                             O            10/01/32
    0

    8327392          E23/G02             F          292,000.00         ZZ
                                         360        292,000.00          1
                                       6.375          1,821.70         80
                                       6.125          1,821.70
    PARK CITY        UT   84098          1            09/03/02         00
    0434598389                           03           11/01/02          0
    41004361                             O            10/01/32
    0

    8327400          L20/G02             F          102,400.00         ZZ
                                         360        102,400.00          2
                                       6.875            672.70         80
                                       6.625            672.70
    RENO             NV   89502          1            09/12/02         00
    0434624318                           05           11/01/02          0
    609038                               N            10/01/32
    0

    8327404          L20/G02             F          104,300.00         ZZ
                                         360        104,300.00          3
                                       7.000            693.91         70
                                       6.750            693.91
    RENO             NV   89502          1            09/12/02         00
    0434615399                           05           11/01/02          0
    609036                               N            10/01/32
    0

    8327412          L20/G02             F           86,400.00         ZZ
                                         360         86,400.00          1
                                       6.750            560.39         80
                                       6.500            560.39
    RENO             NV   89502          1            09/12/02         00
    0434624334                           05           11/01/02          0
1

    609037                               N            10/01/32
    0

    8327696          E23/G02             F          175,450.00         ZZ
                                         360        175,450.00          1
                                       6.500          1,108.96         90
                                       6.250          1,108.96
    DOWNEY           CA   90240          1            09/06/02         04
    0434617627                           05           11/01/02         25
    51018453                             O            10/01/32
    0

    8328172          E23/G02             F          248,000.00         ZZ
                                         360        248,000.00          1
                                       6.375          1,547.20         80
                                       6.125          1,547.20
    BEAR VALLEY      CA   95223          1            09/12/02         00
    0434626669                           05           11/01/02          0
    63000167                             O            10/01/32
    0

    8328734          E23/G02             F          243,000.00         ZZ
                                         360        243,000.00          1
                                       6.500          1,535.93         73
                                       6.250          1,535.93
    DIXON            CA   95620          5            09/01/02         00
    0434642765                           05           11/01/02          0
    51018357                             O            10/01/32
    0

    8329772          E23/G02             F           67,200.00         ZZ
                                         360         67,200.00          1
                                       7.000            447.08         80
                                       6.750            447.08
    RIO LINDA        CA   95626          1            09/09/02         00
    0434680302                           05           11/01/02          0
    71004202                             N            10/01/32
    0

    8329856          E23/G02             F          127,000.00         ZZ
                                         360        127,000.00          1
                                       6.750            823.72         44
                                       6.500            823.72
    SANTEE           CA   92071          5            09/25/02         00
    0434698239                           05           11/01/02          0
    11013314                             O            10/01/32
    0
1

   TOTAL NUMBER OF LOANS   :      1,413

   TOTAL ORIGINAL BALANCE  :   211,389,484.00

   TOTAL PRINCIPAL BALANCE :   211,243,698.99

   TOTAL ORIGINAL P+I      :     1,387,362.72

   TOTAL CURRENT P+I       :     1,387,362.72

                             ***************************
                             *      END OF REPORT      *
                             ***************************

<PAGE>
  RUN ON     : 10/28/02           RFC DISCLOSURE SYSTEM       RFFSDFIX-01
  AT         : 14.22.15           FIXED PASSTHRU REPORT       AMORTIZED BALANCE
  SERIES     : RALI 2002-QS15 NON-CONFORMING                  CUTOFF : 10/01/02
  POOL       : 0004635
             :
             :
  POOL STATUS: F

    RFC LOAN NUMBER                      SUB SERV FEE
    PRINCIPAL BALANCE                    MSTR SERV FEE
    CURR NOTE RATE                       ALL EXP
    RFC NET RATE                         MISC EXP
    NET MTG RATE(INVSTR RATE)            SPREAD
    POST STRIP RATE                      STRIP
  --------------------------------------------------------------------------

      3627605                              .2500
      215,787.62                          .0800
            8.3750                         .0000
            8.1250                         .0000
            8.0450                         .0000
            6.0000                        2.0450

      4220251                              .2500
      276,447.85                          .0800
            8.8750                         .0000
            8.6250                         .0000
            8.5450                         .0000
            6.0000                        2.5450

      6836422                              .2500
       42,882.14                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      6986597                              .2500
      224,191.58                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700

      7210115                              .2500
      144,335.97                          .0800
            8.2500                         .0000
            8.0000                         .0000
            7.9200                         .0000
            6.0000                        1.9200

      7512386                              .2500
      364,034.33                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450
1

      7724713                              .2500
      128,250.58                          .0800
            8.1250                         .0000
            7.8750                         .0000
            7.7950                         .0000
            6.0000                        1.7950

      7734749                              .2500
      394,340.96                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      7755473                              .2500
      194,828.56                          .0800
            7.9500                         .0000
            7.7000                         .0000
            7.6200                         .0000
            6.0000                        1.6200

      7763541                              .2500
       56,872.31                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7792051                              .2500
      332,145.81                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7792379                              .2500
       67,849.44                          .0800
            8.9900                         .0000
            8.7400                         .0000
            8.6600                         .0000
            6.0000                        2.6600

      7812301                              .2500
      622,864.10                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7812485                              .2500
       81,647.30                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700
1

      7812705                              .2500
       81,367.36                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7812811                              .2500
       24,330.42                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7812879                              .2500
      367,779.50                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7812931                              .2500
      157,062.17                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7814837                              .2500
       45,846.19                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7814839                              .2500
       48,835.91                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7814853                              .2500
       77,434.91                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7815057                              .2500
       69,605.03                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450
1

      7815189                              .2500
      118,840.44                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7815263                              .2500
       58,177.76                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7821475                              .2500
      331,925.28                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7851685                              .2500
      466,213.69                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7852055                              .2500
       94,868.81                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7853935                              .2500
      399,358.36                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      7860097                              .2500
      221,502.62                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7863899                              .2500
       88,081.00                          .0800
            7.9900                         .0000
            7.7400                         .0000
            7.6600                         .0000
            6.0000                        1.6600
1

      7874037                              .2500
       99,492.82                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7883887                              .2500
       85,322.30                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7888503                              .2500
       52,933.02                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      7889087                              .2500
      363,401.52                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7892735                              .2500
      101,359.83                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7898097                              .2500
       66,902.71                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      7904933                              .2500
      111,049.98                          .0800
            7.9900                         .0000
            7.7400                         .0000
            7.6600                         .0000
            6.0000                        1.6600

      7920885                              .2500
      152,783.33                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200
1

      7921545                              .2500
       80,879.40                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7921973                              .2500
      188,732.34                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7924237                              .2500
       42,336.86                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7927941                              .2500
       60,220.83                          .0800
            8.1250                         .0000
            7.8750                         .0000
            7.7950                         .0000
            6.0000                        1.7950

      7933973                              .2500
       47,966.12                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7936693                              .2500
       55,886.33                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700

      7936817                              .2500
       20,957.42                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700

      7936845                              .2500
       94,287.71                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700
1

      7937083                              .2500
      100,527.21                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700

      7937201                              .2500
       57,474.14                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      7943805                              .2500
      132,903.73                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      7947717                              .2500
       33,227.69                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700

      7952143                              .2500
      384,253.42                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      7952149                              .2500
      102,294.58                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7952153                              .2500
      350,502.35                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7952155                              .2500
       99,868.72                          .0800
            8.1250                         .0000
            7.8750                         .0000
            7.7950                         .0000
            6.0000                        1.7950
1

      7952167                              .2500
      172,546.65                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7952181                              .2500
      107,741.26                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      7952187                              .2500
      648,982.80                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7952191                              .2500
      162,108.26                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7952213                              .2500
       72,754.27                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7952577                              .2500
       41,570.64                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7954837                              .2500
      114,079.83                          .0800
            8.2500                         .0000
            8.0000                         .0000
            7.9200                         .0000
            6.0000                        1.9200

      7954987                              .2500
       53,959.92                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700
1

      7959625                              .2500
       59,781.53                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      7959987                              .2500
       87,054.12                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7960023                              .2500
       47,201.70                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7960259                              .2500
       46,705.14                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700

      7960939                              .2500
       71,949.18                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7964697                              .2500
       22,376.33                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7964717                              .2500
       70,955.91                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700

      7964739                              .2500
      108,679.32                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700
1

      7964743                              .2500
       42,653.48                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7964753                              .2500
       73,512.72                          .0800
            8.2500                         .0000
            8.0000                         .0000
            7.9200                         .0000
            6.0000                        1.9200

      7964777                              .2500
       34,950.42                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7964783                              .2500
       58,377.87                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7969945                              .2500
       20,385.97                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7974343                              .2500
       79,943.54                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7977025                              .2500
       51,714.39                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7977831                              .2500
      373,598.06                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200
1

      7978465                              .2500
      319,731.16                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7982195                              .2500
       45,168.90                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7986231                              .2500
      407,697.20                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7987583                              .2500
      114,920.86                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7987845                              .2500
       52,664.64                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.0000                        1.6700

      7990609                              .2500
      318,000.00                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7991457                              .2500
      389,672.35                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      7993219                              .2500
      301,240.42                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200
1

      7993299                              .2500
       37,174.40                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7993399                              .2500
      117,878.82                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      7993707                              .2500
       98,856.23                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      7994347                              .2500
       68,951.30                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7994709                              .2500
       91,935.07                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      7994823                              .2500
      434,643.43                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      7995867                              .2500
      524,600.52                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7995895                              .2500
      197,690.97                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200
1

      7996203                              .2500
       80,924.98                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      7999773                              .2500
      317,876.50                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8001131                              .2500
       74,644.57                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8001217                              .2500
      314,777.67                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      8001305                              .2500
      440,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8001341                              .2500
      132,903.73                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      8001357                              .2500
      119,700.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8001395                              .2500
      189,369.58                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450
1

      8001425                              .2500
       75,500.00                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      8002259                              .2500
      199,814.76                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8002495                              .2500
       26,982.34                          .0800
            8.1250                         .0000
            7.8750                         .0000
            7.7950                         .0000
            6.0000                        1.7950

      8003267                              .2500
      320,485.07                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8004745                              .2500
      491,466.01                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8004769                              .2500
      383,669.38                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8004773                              .2500
      449,193.55                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8004993                              .2500
       75,943.59                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700
1

      8005107                              .2500
      111,922.92                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      8005199                              .2500
      579,488.28                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8005227                              .2500
      472,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8005279                              .2500
      179,866.41                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8005301                              .2500
       76,447.35                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      8005305                              .2500
       76,447.35                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      8006417                              .2500
      415,632.98                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8007097                              .2500
      439,656.75                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      8007231                              .2500
      379,664.74                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8007343                              .2500
      208,844.89                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8007889                              .2500
      459,613.55                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8007979                              .2500
      176,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8009395                              .2500
       94,934.62                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      8009483                              .2500
       42,300.00                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      8009523                              .2500
      101,875.56                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8009611                              .2500
       99,529.70                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200
1

      8009697                              .2500
      399,620.46                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
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            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8325744                              .2500
      472,592.76                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8325996                              .2500
      379,656.47                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8326010                              .2500
      384,668.53                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8326134                              .2500
      549,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8327302                              .2500
      311,000.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8327724                              .2500
      440,000.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8327774                              .2500
      364,653.67                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000
1

      8327864                              .2500
      315,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8327990                              .2500
      480,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8328092                              .2500
      310,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8328098                              .2500
      328,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8329168                              .2500
      392,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8329472                              .2500
      376,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

  TOTAL NUMBER OF LOANS:      788
  TOTAL BALANCE........:        210,765,738.08

  RUN ON     : 10/28/02            RFC DISCLOSURE SYSTEM      RFFSDFIX-01
  AT         : 14.22.15            INITIAL SECURITY FEES      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS15 NON   FIXED SUMMARY REPORT      CUTOFF : 10/01/02
  POOL       : 0004635
             :
             :
  POOL STATUS: F

                                   WEIGHTED AVERAGES      FROM         TO
  ----------------------------------------------------------------------------
  CURR NOTE RATE                        6.8065            6.0000      8.9900
  RFC NET RATE                          6.5561            5.7500      8.7400
  NET MTG RATE(INVSTR RATE)             6.4807            5.7200      8.6600
  POST STRIP RATE                       5.9926            5.7200      6.0000
  SUB SERV FEE                           .2504             .2500       .5000
  MSTR SERV FEE                          .0754             .0300        .0800
  ALL EXP                                .0000             .0000       .0000
  MISC EXP                               .0000             .0000       .0000
  SPREAD                                 .0000             .0000       .0000
  STRIP                                  .4881             .0000      2.6600

  TOTAL NUMBER OF LOANS:   788
  TOTAL BALANCE........:     210,765,738.08

                             ***************************
                             *      END OF REPORT      *
                             ***************************
  RUN ON     : 10/28/02           RFC DISCLOSURE SYSTEM       RFFSD177-01
  AT         : 14.22.15          FIXED RATE LOAN LISTING      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS15 NON-CONFORMING                  CUTOFF : 10/01/02
  POOL       : 0004635
             :
             :
  POOL STATUS: F

  RFC LOAN #     S/S CODE          PMT TYPE      ORIGINAL BAL     LOAN FEATURE
                                   ORIG TERM     PRINCIPAL BAL    # OF UNITS
  ORIG RATE                                      ORIGINAL P+I     LTV
  CURR NET                                       CURRENT P+I
  CITY           STATE  ZIP        LOAN PURP     NOTE DATE        MI CO CODE
  SERVICER LOAN #                  PROP TYPE     1ST PMT DATE     MI CVG
  SELLER LOAN #                    OCCP CODE     MATURITY DATE
  INVESTOR LOAN #
  ______________________________________________________________________________

    3627605          J95/J95             F          220,000.00         ZZ
                                         360        215,787.62          1
                                       8.375          1,672.16         69
                                       8.125          1,672.16
    FAIRFAX          VA   22030          1            05/31/00         00
    0020044251                           05           07/01/00          0
    0020044251                           O            06/01/30
    0

    4220251          168/168             F          280,000.00         ZZ
                                         360        276,447.85          1
                                       8.875          2,227.81         80
                                       8.625          2,227.81
    BROOKLYN         NY   11203          1            12/29/00         00
    1867677                              08           02/01/01          0
    1867677                              O            01/01/31
    0

    6836422          E22/G02             F           43,200.00         ZZ
                                         360         42,882.14          1
                                       7.875            313.23         90
                                       7.625            313.23
    TIFFIN           OH   44883          1            12/05/01         04
    0413284613                           05           01/01/02         25
    0413284613                           O            12/01/31
    0

    6986597          U05/G02             F          224,502.84         ZZ
                                         356        224,191.58          1
                                       8.000          1,651.80         70
                                       7.750          1,651.80
    DALLAS           TX   75214          5            04/01/02         00
    0434612842                           05           09/01/02          0
1

    3216806                              O            04/01/32
    0

    7210115          227/G02             F          144,900.00         ZZ
                                         360        144,335.97          4
                                       8.250          1,088.59         90
                                       8.000          1,088.59
    BALTIMORE        MD   21218          1            03/15/02         10
    0433910866                           07           05/01/02         25
    1987687                              N            04/01/32
    0

    7512386          956/G02             F          367,200.00         ZZ
                                         360        364,034.33          1
                                       6.875          2,412.24         80
                                       6.625          2,412.24
    CAMAS            WA   98607          1            10/29/01         00
    0433617586                           05           01/01/02          0
    1111101075                           O            12/01/31
    0

    7724713          601/G02             F          128,700.00         ZZ
                                         360        128,250.58          4
                                       8.125            955.60         90
                                       7.875            955.60
    TAMPA            FL   33612          1            05/01/02         14
    0434196630                           05           06/01/02         25
    61398509                             N            05/01/32
    0

    7734749          E45/G02             F          396,000.00         ZZ
                                         360        394,340.96          1
                                       7.625          2,802.86         90
                                       7.375          2,802.86
    SMYRNA           GA   30082          1            05/03/02         11
    0434103875                           05           06/01/02         25
    236789                               O            05/01/32
    0

    7755473          K39/G02             F          195,500.00         ZZ
                                         360        194,828.56          1
                                       7.950          1,427.71         85
                                       7.700          1,427.71
    UPPER MARLBORO   MD   20774          5            05/07/02         10
    0434184107                           05           06/20/02         12
    107509022                            O            05/20/32
    0

1

    7763541          E22/G02             F           57,000.00         ZZ
                                         360         56,872.31          1
                                       7.500            398.55         75
                                       7.250            398.55
    TAMPA            FL   33607          5            06/10/02         00
    0414194837                           05           08/01/02          0
    0414194837                           N            07/01/32
    0

    7792051          X31/G02             F          332,950.00         ZZ
                                         360        332,145.81          1
                                       7.125          2,243.15         90
                                       6.875          2,243.15
    HUNTINGTON BEAC  CA   92646          1            06/12/02         10
    0434214318                           05           08/01/02         25
    40102512                             O            07/01/32
    0

    7792379          Q87/G02             F           68,000.00         ZZ
                                         360         67,849.44          1
                                       8.990            546.65         78
                                       8.740            546.65
    CROCKETT         TX   75835          5            06/12/02         00
    0434363628                           05           07/17/02          0
    TALI01                               O            06/17/32
    0

    7812301          286/286             F          625,000.00         ZZ
                                         360        622,864.10          1
                                       7.250          4,263.61         60
                                       7.000          4,263.61
    DENVER           CO   80203          5            05/20/02         00
    1290858                              01           07/01/02          0
    1290858                              O            06/01/32
    0

    7812485          286/286             F           81,900.00         ZZ
                                         360         81,647.30          1
                                       8.000            600.96         65
                                       7.750            600.96
    ST LOUIS         MO   63104          5            05/30/02         00
    1314910                              05           07/01/02          0
    1314910                              O            06/01/32
    0

    7812705          286/286             F           81,600.00         ZZ
                                         360         81,367.36          1
                                       7.750            584.60         80
                                       7.500            584.60
1

    MESA             AZ   85207          2            05/17/02         00
    1308473                              05           07/01/02          0
    1308473                              N            06/01/32
    0

    7812811          286/286             F           24,400.00         ZZ
                                         360         24,330.42          1
                                       7.750            174.81         80
                                       7.500            174.81
    KANSAS CITY      MO   64132          5            06/05/02         00
    1037257                              05           07/01/02          0
    1037257                              N            06/01/32
    0

    7812879          286/286             F          369,000.00         ZZ
                                         360        367,779.50          1
                                       7.000          2,454.97         90
                                       6.750          2,454.97
    LIVERMORE        CA   94550          5            05/21/02         10
    797349                               05           07/01/02         25
    797349                               N            06/01/32
    0

    7812931          286/286             F          157,500.00         ZZ
                                         360        157,062.17          4
                                       7.875          1,141.98         90
                                       7.625          1,141.98
    RENOIN           NV   89502          1            05/16/02         10
    818729                               05           07/01/02         25
    818729                               O            06/01/32
    0

    7814837          286/286             F           46,000.00         ZZ
                                         360         45,846.19          1
                                       7.500            321.64         75
                                       7.250            321.64
    AKRON            OH   44301          2            05/09/02         00
    1282099                              05           07/01/02          0
    1282099                              N            06/01/32
    0

    7814839          286/286             F           49,000.00         ZZ
                                         360         48,835.91          1
                                       7.500            342.62         78
                                       7.250            342.62
    AKRON            OH   44301          5            05/09/02         00
    1284241                              05           07/01/02          0
    1284241                              N            06/01/32
    0
1

    7814853          286/286             F           77,600.00         ZZ
                                         360         77,434.91          1
                                       7.875            562.66         80
                                       7.625            562.66
    CHICAGO          IL   60636          5            06/03/02         00
    1300539                              05           08/01/02          0
    1300539                              N            07/01/32
    0

    7815057          286/286             F           69,750.00         ZZ
                                         360         69,605.03          1
                                       7.875            505.74         75
                                       7.625            505.74
    PHOENIX          AZ   85017          5            06/05/02         00
    1321006                              05           08/01/02          0
    1321006                              N            07/01/32
    0

    7815189          286/286             F          119,250.00         ZZ
                                         360        118,840.44          1
                                       7.750            854.33         90
                                       7.500            854.33
    CHICAGO          IL   60611          1            05/28/02         12
    1288414                              01           07/01/02         25
    1288414                              N            06/01/32
    0

    7815263          286/286             F           58,500.00         ZZ
                                         360         58,177.76          2
                                       7.875            424.17         90
                                       7.625            424.17
    BAY  CITY        MI   48708          1            06/05/02         10
    1314198                              05           08/01/02         25
    1314198                              N            07/01/32
    0

    7821475          225/G02             F          333,000.00         T
                                         360        331,925.28          1
                                       7.125          2,243.49         84
                                       6.875          2,243.49
    DENNIS PORT      MA   02639          2            05/28/02         11
    0434220299                           05           07/01/02         12
    007367749                            O            06/01/32
    0

    7851685          196/G02             F          468,000.00         ZZ
                                         360        466,213.69          1
1

                                       6.875          3,074.43         80
                                       6.625          3,074.43
    NORTHRIDGE       CA   91326          1            06/14/02         00
    0434258737                           03           08/01/02          0
    1544414                              O            07/01/32
    0

    7852055          S27/G02             F           95,000.00         ZZ
                                         360         94,868.81          1
                                       7.875            688.82         75
                                       7.625            688.82
    DEARBORN         MI   48126          2            07/03/02         00
    0434281044                           05           09/01/02          0
    1810000003                           N            08/01/32
    0

    7853935          E22/G02             F          400,000.00         ZZ
                                         360        399,358.36          1
                                       7.125          2,694.87         78
                                       6.875          2,694.87
    SUGAR LAND       TX   77478          5            07/08/02         00
    0414387126                           03           09/01/02          0
    0414387126                           O            08/01/32
    0

    7860097          M27/G02             F          222,000.00         ZZ
                                         360        221,502.62          1
                                       7.500          1,552.26        100
                                       7.250          1,552.26
    GOODLETTSVILLE   TN   37072          2            06/19/02         10
    0434319638                           03           08/01/02         35
    5000028009                           O            07/01/32
    0

    7863899          W50/G02             F           88,200.00         ZZ
                                         360         88,081.00          1
                                       7.990            646.57         90
                                       7.740            646.57
    SAINT PAUL       MN   55103          1            07/02/02         01
    0434332755                           05           09/01/02         30
    0020761                              N            08/01/32
    0

    7874037          N67/G02             F           99,700.00         ZZ
                                         360         99,492.82          1
                                       7.875            722.89         77
                                       7.625            722.89
    PALM BAY         FL   32909          1            06/25/02         00
    0434302667                           05           08/01/02          0
1

    3252001707A                          O            07/01/32
    0

    7883887          313/G02             F           85,500.00         ZZ
                                         360         85,322.30          4
                                       7.875            619.94         75
                                       7.625            619.94
    HOMESTEAD        FL   33030          5            06/11/02         00
    0434331880                           05           08/01/02          0
    8741498                              N            07/01/32
    0

    7888503          E22/G02             F           53,010.00         ZZ
                                         360         52,933.02          4
                                       7.625            375.20         90
                                       7.375            375.20
    DAYTON           OH   45406          1            07/29/02         11
    0414420794                           05           09/01/02         25
    0414420794                           N            08/01/32
    0

    7889087          E82/G02             F          364,000.00         ZZ
                                         360        363,401.52          1
                                       7.000          2,421.70         80
                                       6.750          2,421.70
    ARLINGTON        VA   22207          5            07/23/02         00
    0400661450                           03           09/01/02          0
    0400661450                           O            08/01/32
    0

    7892735          F89/G02             F          101,500.00         ZZ
                                         360        101,359.83          1
                                       7.875            735.95         70
                                       7.625            735.95
    LAS VEGAS        NV   89104          5            07/11/02         00
    0434346987                           05           09/01/02          0
    21852                                N            08/01/32
    0

    7898097          E22/G02             F           67,000.00         ZZ
                                         360         66,902.71          1
                                       7.625            474.22         78
                                       7.375            474.22
    BOYNTON BEACH    FL   33435          2            07/31/02         00
    0414553859                           05           09/01/02          0
    0414553859                           N            08/01/32
    0

1

    7904933          U85/G02             F          111,200.00         ZZ
                                         360        111,049.98          1
                                       7.990            815.17         80
                                       7.740            815.17
    STURGEON BAY     WI   54235          1            07/29/02         00
    0434353728                           05           09/01/02          0
    718119                               N            08/01/32
    0

    7920885          E47/G02             F          153,000.00         ZZ
                                         360        152,783.33          2
                                       7.750          1,096.11         90
                                       7.500          1,096.11
    CHICAGO          IL   60637          1            07/30/02         11
    0434411567                           05           09/01/02         30
    7360513960                           O            08/01/32
    0

    7921545          F36/G02             F           81,000.00         ZZ
                                         360         80,879.40          1
                                       7.500            566.36         90
                                       7.250            566.36
    TACOMA           WA   98404          1            07/16/02         14
    0434405957                           05           09/01/02         30
    06404579                             N            08/01/32
    0

    7921973          R84/G02             F          189,000.00         ZZ
                                         360        188,732.34          4
                                       7.750          1,354.02         90
                                       7.500          1,354.02
    LAS VEGAS        NV   89108          1            07/31/02         10
    0434372512                           05           09/01/02         25
    LVW4320                              N            08/01/32
    0

    7924237          E22/G02             F           42,400.00         ZZ
                                         360         42,336.86          1
                                       7.500            296.47         80
                                       7.250            296.47
    MEMPHIS          TN   38109          1            08/06/02         00
    0414490714                           05           09/01/02          0
    0414490714                           N            08/01/32
    0

    7927941          E22/G02             F           60,300.00         ZZ
                                         360         60,220.83          3
                                       8.125            447.73         90
                                       7.875            447.73
1

    ECORSE           MI   48229          1            07/17/02         11
    0414459552                           05           09/01/02         25
    0414459552                           N            08/01/32
    0

    7933973          X64/G02             F           48,000.00         ZZ
                                         360         47,966.12          1
                                       7.750            343.88         80
                                       7.500            343.88
    DETROIT          MI   48204          1            08/06/02         00
    0434476180                           05           10/01/02          0
    9109636                              N            09/01/32
    0

    7936693          286/286             F           56,000.00         ZZ
                                         360         55,886.33          1
                                       8.000            410.91         70
                                       7.750            410.91
    ST LOUIS         MO   63114          5            07/03/02         00
    1361484                              05           08/01/02          0
    1361484                              N            07/01/32
    0

    7936817          286/286             F           21,000.00         ZZ
                                         360         20,957.42          1
                                       8.000            154.10         75
                                       7.750            154.10
    MILWAUKEE        WI   53223          1            06/28/02         00
    1342305                              01           08/01/02          0
    1342305                              N            07/01/32
    0

    7936845          286/286             F           94,500.00         ZZ
                                         360         94,287.71          1
                                       7.500            660.76         90
                                       7.250            660.76
    BALTIMORE        MD   21230          1            06/25/02         12
    1302669                              05           08/01/02         25
    1302669                              N            07/01/32
    0

    7937083          286/286             F          100,700.00         ZZ
                                         360        100,527.21          4
                                       8.000            738.91         95
                                       7.750            738.91
    ST LOUIS         MO   63118          1            07/15/02         11
    1387216                              05           09/01/02         30
    1387216                              O            08/01/32
    0
1

    7937201          286/286             F           57,600.00         ZZ
                                         360         57,474.14          1
                                       7.625            407.69         80
                                       7.375            407.69
    SPOKANE          WA   99205          1            06/19/02         00
    814832                               05           08/01/02          0
    814832                               N            07/01/32
    0

    7943805          E22/G02             F          133,000.00         ZZ
                                         360        132,903.73          1
                                       7.625            941.37         95
                                       7.375            941.37
    MIAMI            FL   33125          2            08/08/02         01
    0414378802                           05           10/01/02         30
    0414378802                           O            09/01/32
    0

    7947717          E22/G02             F           33,250.00         ZZ
                                         360         33,227.69          1
                                       8.000            243.98         95
                                       7.750            243.98
    TULSA            OK   74136          1            08/14/02         04
    0414636191                           01           10/01/02         25
    0414636191                           O            09/01/32
    0

    7952143          J95/G02             F          388,000.00         ZZ
                                         360        384,253.42          1
                                       6.750          2,516.56         80
                                       6.500          2,516.56
    JAMUL            CA   91935          2            11/02/01         00
    0434479564                           05           01/01/02          0
    0020116216                           O            12/01/31
    0

    7952149          J95/G02             F          103,000.00         ZZ
                                         360        102,294.58          1
                                       7.500            720.19         57
                                       7.250            720.19
    SCOTTSDALE       AZ   85260          1            12/11/01         00
    0434476057                           01           02/01/02          0
    0028110500                           N            01/01/32
    0

    7952153          J95/G02             F          351,025.00         ZZ
                                         360        350,502.35          1
1

                                       7.500          2,454.42         95
                                       7.250          2,454.42
    GIG HARBOR       WA   98332          1            07/19/02         10
    0434475968                           03           09/01/02         30
    0029084449                           O            08/01/32
    0

    7952155          J95/G02             F          100,000.00         ZZ
                                         360         99,868.72          1
                                       8.125            742.50         24
                                       7.875            742.50
    PLEASANTVILLE    NY   10570          5            06/28/02         00
    0434475950                           05           09/01/02          0
    0029096880                           O            08/01/32
    0

    7952167          J95/G02             F          173,000.00         ZZ
                                         360        172,546.65          4
                                       7.500          1,209.64         90
                                       7.250          1,209.64
    MILWAUKEE        WI   53218          1            06/21/02         04
    0434474979                           05           08/01/02         25
    0029231743                           O            07/01/32
    0

    7952181          J95/G02             F          108,000.00         ZZ
                                         360        107,741.26          1
                                       7.625            764.42         68
                                       7.375            764.42
    WAREHAM          MA   02571          5            07/09/02         00
    0434472650                           05           09/01/02          0
    0029363090                           O            08/01/32
    0

    7952187          J95/G02             F          650,000.00         ZZ
                                         360        648,982.80          1
                                       7.250          4,434.15         67
                                       7.000          4,434.15
    CENTREVILLE      VA   20120          2            07/03/02         00
    0434480604                           05           09/01/02          0
    0029383403                           O            08/01/32
    0

    7952191          J95/G02             F          162,350.00         ZZ
                                         360        162,108.26          1
                                       7.500          1,135.18         85
                                       7.250          1,135.18
    CHAMPLIN         MN   55316          5            07/12/02         12
    0434477816                           05           09/01/02         12
1

    0029421286                           O            08/01/32
    0

    7952213          J95/G02             F           72,900.00         ZZ
                                         360         72,754.27          1
                                       7.500            509.73         90
                                       7.250            509.73
    SPOKANE          WA   99206          1            07/09/02         04
    0434478301                           05           09/01/02         25
    0029589496                           O            08/01/32
    0

    7952577          E22/G02             F           41,600.00         ZZ
                                         360         41,570.64          1
                                       7.750            298.03         80
                                       7.500            298.03
    BRISTOL          CT   06010          1            08/15/02         00
    0414623033                           05           10/01/02          0
    0414623033                           N            09/01/32
    0

    7954837          225/G02             F          114,300.00         ZZ
                                         360        114,079.83          4
                                       8.250            858.70         90
                                       8.000            858.70
    CHICAGO          IL   60617          1            06/21/02         11
    0434486916                           05           08/01/02         25
    007372357                            N            07/01/32
    0

    7954987          E82/G02             F           54,000.00         ZZ
                                         360         53,959.92          2
                                       7.500            377.58         90
                                       7.250            377.58
    CHICAGO          IL   60617          1            08/15/02         04
    0400668950                           05           10/01/02         30
    0400668950                           N            09/01/32
    0

    7959625          286/286             F           60,000.00         ZZ
                                         360         59,781.53          1
                                       7.625            424.68         75
                                       7.375            424.68
    COLUMBUS         OH   43206          2            05/22/02         00
    1288796                              05           07/01/02          0
    1288796                              N            06/01/32
    0

1

    7959987          286/286             F           87,300.00         ZZ
                                         360         87,054.12          1
                                       7.500            610.41         90
                                       7.250            610.41
    TUCSON           AZ   85730          1            06/27/02         12
    1355844                              05           08/01/02         25
    1355844                              N            07/01/32
    0

    7960023          286/286             F           47,300.00         ZZ
                                         360         47,201.70          1
                                       7.875            342.96         64
                                       7.625            342.96
    SAN ANTONIO      TX   78217          5            06/24/02         00
    1327464                              05           08/01/02          0
    1327464                              N            07/01/32
    0

    7960259          286/286             F           46,800.00         ZZ
                                         360         46,705.14          1
                                       8.000            343.41         86
                                       7.750            343.41
    HAMMOND          LA   70403          1            06/28/02         10
    1347339                              05           08/01/02         25
    1347339                              N            07/01/32
    0

    7960939          E22/G02             F           72,000.00         ZZ
                                         360         71,949.18          1
                                       7.750            515.82         90
                                       7.500            515.82
    CINCINNATI       OH   45214          1            08/19/02         01
    0414726463                           05           10/01/02         25
    0414726463                           N            09/01/32
    0

    7964697          286/286             F           22,500.00         ZZ
                                         360         22,376.33          1
                                       7.875            163.15         90
                                       7.625            163.15
    PITTSBURGH       PA   15206          1            04/29/02         12
    1091492                              05           06/01/02         25
    1091492                              N            05/01/32
    0

    7964717          286/286             F           71,100.00         ZZ
                                         360         70,955.91          2
                                       8.000            521.71         90
                                       7.750            521.71
1

    NORRISTOWN       PA   19401          1            06/27/02         10
    1100007                              05           08/01/02         25
    1100007                              N            07/01/32
    0

    7964739          286/286             F          108,900.00         ZZ
                                         360        108,679.32          4
                                       8.000            799.07         90
                                       7.750            799.07
    ST LOUIS         MO   63118          1            06/24/02         11
    1341431                              05           08/01/02         25
    1341431                              N            07/01/32
    0

    7964743          286/286             F           42,750.00         ZZ
                                         360         42,653.48          1
                                       7.500            298.92         75
                                       7.250            298.92
    MILWAUKEE        WI   53218          5            06/28/02         00
    1379975                              05           08/01/02          0
    1379975                              N            07/01/32
    0

    7964753          286/286             F           73,800.00         ZZ
                                         360         73,512.72          4
                                       8.250            554.44         90
                                       8.000            554.44
    ST LOUIS         MO   63118          1            04/02/02         21
    1070283                              05           05/01/02         25
    1070283                              N            04/01/32
    0

    7964777          286/286             F           35,000.00         ZZ
                                         360         34,950.42          1
                                       7.750            250.75         70
                                       7.500            250.75
    DETROIT          MI   48202          5            07/19/02         00
    1093229                              05           09/01/02          0
    1093229                              N            08/01/32
    0

    7964783          286/286             F           58,500.00         ZZ
                                         360         58,377.87          1
                                       7.875            424.17         90
                                       7.625            424.17
    DELTONA          FL   32725          1            06/28/02         14
    1350808                              05           08/01/02         25
    1350808                              N            07/01/32
    0
1

    7969945          N74/G02             F           20,400.00         ZZ
                                         360         20,385.97          1
                                       7.875            147.91         80
                                       7.625            147.91
    EDGEWOOD         MD   21040          1            08/16/02         00
    0434463493                           01           10/01/02          0
    0030578010                           N            09/01/32
    0

    7974343          U35/G02             F           80,000.00         ZZ
                                         360         79,943.54          1
                                       7.750            573.13         80
                                       7.500            573.13
    DAVENPORT        IA   52803          1            08/20/02         00
    0434468864                           05           10/01/02          0
    7262507                              O            09/01/32
    0

    7977025          737/G02             F           51,750.00         ZZ
                                         360         51,714.39          1
                                       7.875            375.22         90
                                       7.625            375.22
    ARLINGTON        TX   76014          1            08/12/02         12
    0434600367                           05           10/01/02         30
    2079047                              N            09/01/32
    0

    7977831          964/G02             F          373,920.00         ZZ
                                         360        373,598.06          1
                                       6.750          2,425.24         74
                                       6.500          2,425.24
    LITTLETON        CO   80128          2            08/21/02         00
    0434618443                           03           10/01/02          0
    233156                               O            09/01/32
    0

    7978465          E22/G02             F          320,000.00         ZZ
                                         360        319,731.16          1
                                       6.875          2,102.17         80
                                       6.625          2,102.17
    GERMANTOWN       MD   20874          1            08/23/02         00
    0414608224                           03           10/01/02          0
    0414608224                           O            09/01/32
    0

    7982195          E22/G02             F           45,200.00         ZZ
                                         360         45,168.90          1
1

                                       7.875            327.73         80
                                       7.625            327.73
    GONZALES         LA   70737          1            08/21/02         00
    0414733147                           05           10/01/02          0
    0414733147                           N            09/01/32
    0

    7986231          168/168             F          408,000.00         ZZ
                                         360        407,697.20          1
                                       7.500          2,852.80         80
                                       7.250          2,852.80
    COMMERCE TOWNSH  MI   48382          1            08/16/02         00
    0089497465                           05           10/01/02          0
    0089497465                           O            09/01/32
    0

    7987583          E22/G02             F          115,000.00         ZZ
                                         360        114,920.86          2
                                       7.875            833.83         66
                                       7.625            833.83
    CINCINNATI       OH   45210          5            08/28/02         00
    0414496992                           05           10/01/02          0
    0414496992                           N            09/01/32
    0

    7987845          E22/G02             F           52,700.00         ZZ
                                         360         52,664.64          1
                                       8.000            386.69         85
                                       7.750            386.69
    OMAHA            NE   68102          2            08/28/02         01
    0414734004                           05           10/01/02         20
    0414734004                           N            09/01/32
    0

    7990609          F25/G02             F          318,000.00         ZZ
                                         360        318,000.00          1
                                       7.375          2,196.35         73
                                       7.125          2,196.35
    RIVERSIDE        CT   06878          2            08/28/02         00
    0434501151                           05           11/01/02          0
    870784                               O            10/01/32
    0

    7991457          G51/G02             F          390,000.00         ZZ
                                         360        389,672.35          1
                                       6.875          2,562.03         84
                                       6.625          2,562.03
    SAN JOSE         CA   95123          1            08/21/02         04
    0434576112                           05           10/01/02         12
1

    20000145                             O            09/01/32
    0

    7993219          E22/G02             F          301,500.00         ZZ
                                         360        301,240.42          1
                                       6.750          1,955.52         90
                                       6.500          1,955.52
    ORANGE           CA   92867          1            08/15/02         04
    0414558932                           05           10/01/02         25
    0414558932                           O            09/01/32
    0

    7993299          E22/G02             F           37,200.00         ZZ
                                         360         37,174.40          1
                                       7.875            269.73         80
                                       7.625            269.73
    CLEVELAND HEIGH  OH   44112          1            08/29/02         00
    0414676254                           05           10/01/02          0
    0414676254                           N            09/01/32
    0

    7993399          E22/G02             F          117,960.00         ZZ
                                         360        117,878.82          2
                                       7.875            855.29         80
                                       7.625            855.29
    LUDLOW           VT   05149          1            08/29/02         00
    0414805267                           05           10/01/02          0
    0414805267                           N            09/01/32
    0

    7993707          Q30/G02             F           99,000.00         ZZ
                                         360         98,856.23          1
                                       7.625            700.72         90
                                       7.375            700.72
    TOBYHANNA        PA   18347          1            07/31/02         10
    0434593588                           03           09/01/02         25
    21015589                             N            08/01/32
    0

    7994347          N56/G02             F           69,000.00         ZZ
                                         360         68,951.30          1
                                       7.750            494.32         43
                                       7.500            494.32
    HIGHLAND         MI   48357          5            08/30/02         00
    0434519781                           05           10/01/02          0
    7263625                              N            09/01/32
    0

1

    7994709          K15/G02             F           92,000.00         ZZ
                                         360         91,935.07          1
                                       7.750            659.10         80
                                       7.500            659.10
    APEX             NC   27502          2            08/26/02         41
    0434693305                           04           10/01/02         20
    0175205303123                        N            09/01/32
    0

    7994823          168/168             F          435,000.00         ZZ
                                         360        434,643.43          1
                                       7.000          2,894.07         80
                                       6.750          2,894.07
    JAMESVILLE       NY   13078          2            08/16/02         00
    0089407598                           05           10/01/02          0
    0089407598                           O            09/01/32
    0

    7995867          E22/G02             F          525,000.00         ZZ
                                         360        524,600.52          1
                                       7.375          3,626.04         70
                                       7.125          3,626.04
    WATERFORD        MI   48328          5            08/28/02         00
    0414626770                           29           10/01/02          0
    0414626770                           O            09/01/32
    0

    7995895          E22/G02             F          198,000.00         ZZ
                                         360        197,690.97          4
                                       7.750          1,418.50         90
                                       7.500          1,418.50
    DAYTON           OH   45458          1            08/30/02         11
    0414648089                           05           10/01/02         25
    0414648089                           N            09/01/32
    0

    7996203          E22/G02             F           81,000.00         ZZ
                                         360         80,924.98          1
                                       6.375            505.33         75
                                       6.125            505.33
    YORK             PA   17402          1            08/30/02         00
    0414804609                           09           10/01/02          0
    0414804609                           N            09/01/32
    0

    7999773          588/G02             F          318,400.00         ZZ
                                         360        317,876.50          1
                                       7.000          2,118.32         80
                                       6.750          2,118.32
1

    IJAMSVILLE       MD   21754          1            07/08/02         00
    0434613477                           03           09/01/02          0
    00010678109                          O            08/01/32
    0

    8001131          E22/G02             F           74,700.00         ZZ
                                         360         74,644.57          1
                                       7.500            522.31         90
                                       7.250            522.31
    BATON ROUGE      LA   70820          1            09/03/02         01
    0414536011                           05           10/01/02         25
    0414536011                           N            09/01/32
    0

    8001217          E22/G02             F          315,000.00         ZZ
                                         360        314,777.67          1
                                       7.750          2,256.70         90
                                       7.500          2,256.70
    BOSTON           MA   02130          1            09/03/02         01
    0414660209                           01           10/01/02         25
    0414660209                           O            09/01/32
    0

    8001305          E22/G02             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       6.625          2,817.37         80
                                       6.375          2,817.37
    AUBURN           CA   95603          5            08/28/02         00
    0414721811                           05           11/01/02          0
    0414721811                           O            10/01/32
    0

    8001341          E22/G02             F          133,000.00         ZZ
                                         360        132,903.73          1
                                       7.625            941.37         89
                                       7.375            941.37
    LYNN             MA   01905          5            08/27/02         01
    0414757039                           05           10/01/02         25
    0414757039                           O            09/01/32
    0

    8001357          E22/G02             F          119,700.00         ZZ
                                         360        119,700.00          3
                                       6.375            746.77         95
                                       6.125            746.77
    WATERBURY        CT   06708          1            09/03/02         04
    0414771923                           05           11/01/02         30
    0414771923                           O            10/01/32
    0
1

    8001395          E22/G02             F          189,500.00         ZZ
                                         360        189,369.58          3
                                       7.875          1,374.01         95
                                       7.625          1,374.01
    CHICAGO          IL   60681          1            09/03/02         11
    0414838912                           05           10/01/02         30
    0414838912                           O            09/01/32
    0

    8001425          E82/G02             F           75,500.00         ZZ
                                         360         75,500.00          1
                                       7.750            540.89         65
                                       7.500            540.89
    AURORA           CO   80012          5            08/29/02         00
    0400664397                           01           11/01/02          0
    0400664397                           O            10/01/32
    0

    8002259          P44/G02             F          200,000.00         ZZ
                                         360        199,814.76          1
                                       6.375          1,247.74         48
                                       6.125          1,247.74
    HAMPTON          NH   03842          5            08/23/02         00
    0434614004                           05           10/01/02          0
    RR20020594                           O            09/01/32
    0

    8002495          168/168             F           27,000.00         ZZ
                                         360         26,982.34          3
                                       8.125            200.47         90
                                       7.875            200.47
    SCHENECTADY      NY   12306          1            08/29/02         10
    0089426533                           05           10/01/02         25
    0089426533                           N            09/01/32
    0

    8003267          J95/G02             F          321,000.00         ZZ
                                         360        320,485.07          1
                                       7.125          2,162.64         80
                                       6.875          2,162.64
    GAINESVILLE      VA   20155          1            08/01/02         00
    0434491056                           05           09/01/02          0
    0018801621                           O            08/01/32
    0

    8004745          196/G02             F          491,900.00         ZZ
                                         360        491,466.01          1
1

                                       6.625          3,149.69         80
                                       6.375          3,149.69
    OWINGS MILLS     MD   21117          5            08/19/02         00
    0434538716                           05           10/01/02          0
    1324905                              O            09/01/32
    0

    8004769          196/G02             F          384,000.00         ZZ
                                         360        383,669.38          1
                                       6.750          2,490.62         80
                                       6.500          2,490.62
    TUSTIN           CA   92780          5            08/12/02         00
    0434603189                           05           10/01/02          0
    1325293                              O            09/01/32
    0

    8004773          196/G02             F          449,600.00         ZZ
                                         360        449,193.55          1
                                       6.500          2,841.78         70
                                       6.250          2,841.78
    BEDFORD          NH   03110          5            08/19/02         00
    0434549002                           05           10/01/02          0
    1325433                              O            09/01/32
    0

    8004993          W39/G02             F           76,000.00         ZZ
                                         360         75,943.59          1
                                       7.500            531.41         80
                                       7.250            531.41
    FORT WORTH       TX   76103          1            08/30/02         00
    0434521811                           05           10/01/02          0
    PNI21703                             N            09/01/32
    0

    8005107          E22/G02             F          112,000.00         ZZ
                                         360        111,922.92          1
                                       7.875            812.08         80
                                       7.625            812.08
    STAFFORD TOWNSH  NJ   08050          1            09/04/02         00
    0414555979                           05           10/01/02          0
    0414555979                           N            09/01/32
    0

    8005199          E22/G02             F          580,000.00         ZZ
                                         360        579,488.28          2
                                       6.625          3,713.80         80
                                       6.375          3,713.80
    JAMAICA PLAIN    MA   02130          2            08/29/02         00
    0414705954                           05           10/01/02          0
1

    0414705954                           O            09/01/32
    0

    8005227          E22/G02             F          472,000.00         ZZ
                                         360        472,000.00          1
                                       6.625          3,022.27         78
                                       6.375          3,022.27
    SAN FRANCISCO    CA   94122          2            08/26/02         00
    0414725945                           07           11/01/02          0
    0414725945                           O            10/01/32
    0

    8005279          E22/G02             F          180,000.00         ZZ
                                         360        179,866.41          1
                                       7.500          1,258.59         89
                                       7.250          1,258.59
    REYNOLDSBURG     OH   43068          2            08/29/02         01
    0414780650                           05           10/01/02         25
    0414780650                           O            09/01/32
    0

    8005301          E22/G02             F           76,500.00         ZZ
                                         360         76,447.35          2
                                       7.875            554.68         90
                                       7.625            554.68
    NEW ORLEANS      LA   70117          1            09/04/02         01
    0414821439                           05           10/01/02         30
    0414821439                           N            09/01/32
    0

    8005305          E22/G02             F           76,500.00         ZZ
                                         360         76,447.35          2
                                       7.875            554.68         90
                                       7.625            554.68
    NEW ORLEANS      LA   70117          1            09/04/02         01
    0414826354                           05           10/01/02         30
    0414826354                           N            09/01/32
    0

    8006417          A39/G02             F          416,000.00         ZZ
                                         360        415,632.98          1
                                       6.625          2,663.69         77
                                       6.375          2,663.69
    WOODLAND HILLS   CA   91364          5            08/20/02         00
    0434611109                           05           10/01/02          0
    2201669RFC                           O            09/01/32
    0

1

    8007097          U42/G02             F          440,000.00         ZZ
                                         360        439,656.75          1
                                       7.250          3,001.58         80
                                       7.000          3,001.58
    PLANO            TX   75093          5            08/20/02         00
    0434706388                           03           10/01/02          0
    12202019                             O            09/01/32
    0

    8007231          964/G02             F          380,000.00         ZZ
                                         360        379,664.74          1
                                       6.625          2,433.18         62
                                       6.375          2,433.18
    BUENA PARK       CA   90621          2            08/26/02         00
    0434620654                           03           10/01/02          0
    236388                               O            09/01/32
    0

    8007343          G51/G02             F          209,000.00         ZZ
                                         360        208,844.89          4
                                       7.500          1,461.36         90
                                       7.250          1,461.36
    COLORADO SPRING  CO   80910          1            08/28/02         11
    0434615209                           09           10/01/02         25
    04000124                             N            09/01/32
    0

    8007889          696/G02             F          460,000.00         ZZ
                                         360        459,613.55          1
                                       6.875          3,021.87         77
                                       6.625          3,021.87
    ROCKVILLE        MD   20850          1            08/23/02         00
    0434617973                           03           10/01/02          0
    32702043                             O            09/01/32
    0

    8007979          L76/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.375          1,098.01         80
                                       6.125          1,098.01
    BLOOMINGTON      MN   55437          5            08/30/02         00
    0434530093                           05           11/01/02          0
    9506834                              O            10/01/32
    0

    8009395          E22/G02             F           95,000.00         ZZ
                                         360         94,934.62          4
                                       7.875            688.82         64
                                       7.625            688.82
1

    NEW ORLEANS      LA   70119          5            08/30/02         00
    0414448647                           05           10/01/02          0
    0414448647                           O            09/01/32
    0

    8009483          E22/G02             F           42,300.00         ZZ
                                         360         42,300.00          1
                                       7.750            303.04         90
                                       7.500            303.04
    INDIANAPOLIS     IN   46218          1            09/05/02         01
    0414665158                           05           11/01/02         25
    0414665158                           N            10/01/32
    0

    8009523          E22/G02             F          101,970.00         ZZ
                                         360        101,875.56          1
                                       6.375            636.16         74
                                       6.125            636.16
    TACOMA           WA   98445          2            08/23/02         00
    0414709329                           05           10/01/02          0
    0414709329                           O            09/01/32
    0

    8009611          E22/G02             F           99,600.00         ZZ
                                         360         99,529.70          2
                                       7.750            713.55         80
                                       7.500            713.55
    CINCINNATI       OH   45209          1            09/05/02         00
    0414782169                           05           10/01/02          0
    0414782169                           N            09/01/32
    0

    8009697          E22/G02             F          400,000.00         ZZ
                                         360        399,620.46          1
                                       6.250          2,462.87         78
                                       6.000          2,462.87
    SAN FRANCISCO    CA   94112          1            08/28/02         00
    0414864660                           05           10/01/02          0
    0414864660                           O            09/01/32
    0

    8010951          313/G02             F          434,000.00         ZZ
                                         360        433,607.65          1
                                       6.500          2,743.18         80
                                       6.250          2,743.18
    BERWYN           PA   19312          5            08/23/02         00
    0434559852                           05           10/01/02          0
    8853418                              O            09/01/32
    0
1

    8011213          B57/G02             F          341,600.00         ZZ
                                         360        341,283.61          1
                                       6.375          2,131.14         80
                                       6.125          2,131.14
    LOS ANGELES      CA   90292          1            08/28/02         00
    0434514410                           01           10/01/02          0
    10005139                             O            09/01/32
    0

    8011663          313/G02             F          378,050.00         ZZ
                                         360        377,458.38          1
                                       7.250          2,578.97         95
                                       7.000          2,578.97
    GLENVIEW         IL   60025          1            07/23/02         11
    0434505061                           05           09/01/02         30
    8832933                              O            08/01/32
    0

    8011825          P63/G02             F          256,500.00         ZZ
                                         360        256,136.75          3
                                       7.750          1,837.60         90
                                       7.500          1,837.60
    WEST NEW YORK    NJ   07093          1            07/26/02         11
    0434677449                           05           09/01/02         25
    20205188                             N            08/01/32
    0

    8013759          E22/G02             F           36,630.00         ZZ
                                         360         36,604.15          1
                                       7.750            262.42         90
                                       7.500            262.42
    INDIANAPOLIS     IN   46203          1            09/06/02         01
    0414665299                           05           10/01/02         25
    0414665299                           N            09/01/32
    0

    8013825          E22/G02             F           51,750.00         ZZ
                                         360         51,714.39          2
                                       7.875            375.22         90
                                       7.625            375.22
    NEW ORLEANS      LA   70119          1            09/06/02         01
    0414765859                           05           10/01/02         25
    0414765859                           N            09/01/32
    0

    8013875          E22/G02             F           18,400.00         ZZ
                                         360         18,400.00          1
1

                                       7.875            133.41         80
                                       7.625            133.41
    BAY CITY         MI   48708          1            09/06/02         00
    0414838656                           05           11/01/02          0
    0414838656                           N            10/01/32
    0

    8013907          E22/G02             F           58,500.00         ZZ
                                         360         58,500.00          2
                                       7.875            424.17         90
                                       7.625            424.17
    ST LOUIS         MO   63116          1            09/06/02         04
    0414881748                           05           11/01/02         25
    0414881748                           N            10/01/32
    0

    8014141          624/G02             F          452,000.00         ZZ
                                         360        451,601.21          1
                                       6.625          2,894.21         80
                                       6.375          2,894.21
    SAN FRANCISCO    CA   94132          5            08/20/02         00
    0434522751                           05           10/01/02          0
    1000007773                           O            09/01/32
    0

    8014189          624/G02             F          431,000.00         ZZ
                                         360        430,628.92          1
                                       6.750          2,795.46         80
                                       6.500          2,795.46
    SAN DIEGO        CA   92129          1            08/01/02         00
    0434571618                           03           10/01/02          0
    1000006296                           O            09/01/32
    0

    8014273          624/G02             F          310,000.00         ZZ
                                         360        309,733.10          1
                                       6.750          2,010.65         76
                                       6.500          2,010.65
    CHULA VISTA      CA   91911          1            08/16/02         00
    0434566337                           05           10/01/02          0
    1000007424                           O            09/01/32
    0

    8014729          624/G02             F          573,000.00         T
                                         360        572,482.00          1
                                       6.500          3,621.75         75
                                       6.250          3,621.75
    LOS ANGELES      CA   91304          1            08/22/02         00
    0434558987                           05           10/01/02          0
1

    1000006152                           O            09/01/32
    0

    8014931          624/G02             F          428,000.00         ZZ
                                         360        427,613.08          1
                                       6.500          2,705.25         80
                                       6.250          2,705.25
    SAN DIEGO        CA   92129          1            08/05/02         00
    0434610747                           05           10/01/02          0
    1000005466                           O            09/01/32
    0

    8015025          624/G02             F          386,480.00         ZZ
                                         360        386,130.61          1
                                       6.500          2,442.82         80
                                       6.250          2,442.82
    TAHOE CITY       CA   96145          1            08/22/02         00
    0434610598                           05           10/01/02          0
    1000007479                           O            09/01/32
    0

    8015215          624/G02             F          400,000.00         ZZ
                                         360        399,663.95          1
                                       6.875          2,627.72         80
                                       6.625          2,627.72
    MORGAN HILL      CA   95037          5            08/07/02         00
    0434567319                           05           10/01/02          0
    1000004477                           O            09/01/32
    0

    8015253          P44/G02             F          216,000.00         ZZ
                                         360        215,686.35          1
                                       7.625          1,528.83         80
                                       7.375          1,528.83
    FALMOUTH         MA   02540          1            07/15/02         00
    0434583498                           05           09/01/02          0
    1                                    N            08/01/32
    0

    8015317          S11/G02             F          645,000.00         ZZ
                                         360        644,458.12          1
                                       6.875          4,237.19         75
                                       6.625          4,237.19
    CROWNSVILLE      MD   21032          5            08/30/02         00
    0434575619                           03           10/01/02          0
    10209008                             O            09/01/32
    0

1

    8015429          624/G02             F          399,600.00         ZZ
                                         360        399,255.95          1
                                       6.750          2,591.80         80
                                       6.500          2,591.80
    OAKDALE          CA   95361          1            08/13/02         00
    0434566394                           05           10/01/02          0
    1000007495                           O            09/01/32
    0

    8015673          N47/G02             F          360,000.00         ZZ
                                         360        359,674.56          1
                                       6.500          2,275.44         80
                                       6.250          2,275.44
    IRVINE           CA   92604          2            08/28/02         00
    0434611026                           01           10/01/02          0
    30321674                             O            09/01/32
    0

    8016013          U19/G02             F          200,000.00         ZZ
                                         360        199,810.24          1
                                       6.250          1,231.43         75
                                       6.000          1,231.43
    ELIZABETH        CO   80107          5            08/23/02         00
    0434506283                           03           10/01/02          0
    40804679                             O            09/01/32
    0

    8016681          P44/G02             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       6.875          2,207.28         80
                                       6.625          2,207.28
    SOUTHBOROUGH     MA   01772          1            09/05/02         00
    0434591764                           05           11/01/02          0
    0011969                              N            10/01/32
    0

    8016783          U19/G02             F          234,800.00         ZZ
                                         360        234,582.53          1
                                       6.375          1,464.85         73
                                       6.125          1,464.85
    BOULDER          CO   80303          5            08/20/02         00
    0434507265                           05           10/01/02          0
    50804672                             O            09/01/32
    0

    8016797          U19/G02             F          275,000.00         ZZ
                                         360        274,745.30          1
                                       6.375          1,715.64         54
                                       6.125          1,715.64
1

    CENTENNIAL       CO   80016          5            08/23/02         00
    0434510293                           03           10/01/02          0
    80804644                             O            09/01/32
    0

    8016807          U19/G02             F           78,800.00         ZZ
                                         360         78,725.23          1
                                       6.250            485.19         46
                                       6.000            485.19
    ARVADA           CO   80003          5            08/23/02         00
    0434507638                           05           10/01/02          0
    40804731                             O            09/01/32
    0

    8016823          U19/G02             F          278,000.00         ZZ
                                         360        277,723.25          1
                                       6.000          1,666.75         78
                                       5.750          1,666.75
    HIGHLANDS RANCH  CO   80129          2            08/23/02         00
    0434509915                           03           10/01/02          0
    50804709                             O            09/01/32
    0

    8016933          N74/G02             F          120,500.00         ZZ
                                         360        120,388.40          1
                                       6.375            751.76         75
                                       6.125            751.76
    GREENVILLE       NC   27834          2            08/30/02         00
    0434580569                           05           10/05/02          0
    0030664010                           O            09/05/32
    0

    8017825          E22/G02             F          145,000.00         ZZ
                                         360        145,000.00          1
                                       6.375            904.61         67
                                       6.125            904.61
    BROKEN ARROW     OK   74012          5            09/03/02         00
    0414309260                           05           11/01/02          0
    0414309260                           O            10/01/32
    0

    8017923          E22/G02             F          100,875.00         ZZ
                                         360        100,875.00          1
                                       7.875            731.41         75
                                       7.625            731.41
    REDMOND          OR   97756          5            09/03/02         00
    0414682153                           05           11/01/02          0
    0414682153                           N            10/01/32
    0
1

    8017943          E22/G02             F          356,000.00         ZZ
                                         360        356,000.00          1
                                       6.500          2,250.16         80
                                       6.250          2,250.16
    ALEXANDRIA       VA   22314          5            09/03/02         00
    0414699223                           05           11/01/02          0
    0414699223                           O            10/01/32
    0

    8018065          E22/G02             F          133,000.00         ZZ
                                         360        132,908.47          1
                                       7.875            964.34         95
                                       7.625            964.34
    SOUTH BEND       IN   46617          5            09/03/02         01
    0414799361                           05           10/01/02         30
    0414799361                           O            09/01/32
    0

    8018073          E22/G02             F          330,000.00         ZZ
                                         360        329,722.76          1
                                       6.875          2,167.87         80
                                       6.625          2,167.87
    SAN ANTONIO      TX   78209          5            09/04/02         00
    0414804179                           05           10/01/02          0
    0414804179                           O            09/01/32
    0

    8018457          U19/G02             F          285,700.00         ZZ
                                         360        285,428.92          1
                                       6.250          1,759.10         57
                                       6.000          1,759.10
    ENGLEWOOD        CO   80111          5            08/23/02         00
    0434514105                           03           10/01/02          0
    40804646                             O            09/01/32
    0

    8018467          U19/G02             F          187,000.00         ZZ
                                         360        186,822.57          1
                                       6.250          1,151.39         68
                                       6.000          1,151.39
    CENTENNIAL       CO   80015          5            08/23/02         00
    0434508792                           03           10/01/02          0
    50804708                             O            09/01/32
    0

    8018491          U19/G02             F          178,500.00         ZZ
                                         360        178,500.00          1
1

                                       6.250          1,099.06         60
                                       6.000          1,099.06
    DENVER           CO   80237          2            09/03/02         00
    0434507679                           05           11/01/02          0
    50804743                             O            10/01/32
    0

    8018499          U19/G02             F          167,900.00         ZZ
                                         360        167,736.81          1
                                       6.125          1,020.18         80
                                       5.875          1,020.18
    LOVELAND         CO   80537          2            08/26/02         00
    0434509410                           03           10/01/02          0
    70207009                             O            09/01/32
    0

    8019419          F36/G02             F          175,000.00         ZZ
                                         360        174,837.92          1
                                       6.375          1,091.77         55
                                       6.125          1,091.77
    PUYALLUP         WA   98374          5            08/22/02         00
    0434607016                           05           10/01/02          0
    06505167                             O            09/01/32
    0

    8020607          Q30/G02             F          135,000.00         ZZ
                                         360        134,902.29          1
                                       7.625            955.52         90
                                       7.375            955.52
    PHILADELPHIA     PA   19116          1            08/28/02         01
    0434633293                           07           10/01/02         25
    21015444                             O            09/01/32
    0

    8020667          975/G02             F          394,300.00         ZZ
                                         360        394,300.00          1
                                       6.750          2,557.42         80
                                       6.500          2,557.42
    DIAMOND BAR      CA   91765          1            09/01/02         00
    0434560777                           05           11/01/02          0
    2023271                              O            10/01/32
    0

    8020697          E47/G02             F          200,000.00         ZZ
                                         360        199,851.57          1
                                       7.500          1,398.43         89
                                       7.250          1,398.43
    SILVER SPRING    MD   20901          1            08/27/02         11
    0434591814                           05           10/01/02         25
1

    7338510832                           O            09/01/32
    0

    8020949          N67/G02             F          118,960.00         ZZ
                                         360        118,878.14          1
                                       7.875            862.54         80
                                       7.625            862.54
    PRESCOTT VALLEY  AZ   86314          1            08/08/02         00
    0434544904                           03           10/01/02          0
    1781002580                           O            09/01/32
    0

    8021029          N67/G02             F          172,000.00         T
                                         360        171,881.63          1
                                       7.875          1,247.12         80
                                       7.625          1,247.12
    AURORA           CO   80011          2            08/05/02         00
    0434545521                           05           10/01/02          0
    1782001867                           O            09/01/32
    0

    8021297          N67/G02             F          179,950.00         ZZ
                                         360        179,829.26          1
                                       8.000          1,320.41         90
                                       7.750          1,320.41
    SHARPSBURG       GA   30277          1            08/06/02         01
    0434555322                           05           10/01/02         30
    3254001503                           O            09/01/32
    0

    8021317          N67/G02             F          134,300.00         ZZ
                                         360        134,175.61          1
                                       6.375            837.86         80
                                       6.125            837.86
    SNELLVILLE       GA   30039          1            08/15/02         00
    0434548368                           03           10/01/02          0
    3254001624                           O            09/01/32
    0

    8021593          N67/G02             F           93,600.00         ZZ
                                         360         93,532.26          1
                                       7.625            662.49         80
                                       7.375            662.49
    OTISVILLE        MI   48463          1            08/14/02         00
    0434551040                           05           10/01/02          0
    3262002212                           O            09/01/32
    0

1

    8021643          N67/G02             F           88,200.00         ZZ
                                         360         88,140.82          1
                                       8.000            647.18         90
                                       7.750            647.18
    REINHOLDS        PA   17569          1            08/13/02         01
    0434556932                           05           10/01/02         30
    3264000898                           O            09/01/32
    0

    8022107          758/G02             F          532,000.00         ZZ
                                         360        532,000.00          1
                                       6.625          3,406.45         80
                                       6.375          3,406.45
    WOODLANDS        TX   77380          5            09/03/02         00
    0434617957                           03           11/01/02          0
    102229                               O            10/01/32
    0

    8024315          N67/G02             F          105,600.00         ZZ
                                         360        105,527.33          1
                                       7.875            765.67         80
                                       7.625            765.67
    PUEBLO           CO   81005          1            08/29/02         00
    0434543740                           05           10/01/02          0
    1162000378A                          O            09/01/32
    0

    8024331          N67/G02             F          104,550.00         ZZ
                                         360        104,479.85          1
                                       8.000            767.15         80
                                       7.750            767.15
    MARICOPA         AZ   85239          1            08/27/02         00
    0434543898                           03           10/01/02          0
    1781001591A                          O            09/01/32
    0

    8024347          N67/G02             F          137,000.00         ZZ
                                         360        136,898.33          1
                                       7.500            957.92         80
                                       7.250            957.92
    GLENDALE         AZ   85303          1            08/20/02         00
    0434544037                           03           10/01/02          0
    1781002383A                          O            09/01/32
    0

    8024537          N67/G02             F           91,200.00         ZZ
                                         360         91,132.32          1
                                       7.500            637.68         80
                                       7.250            637.68
1

    FERNANDINA BEAC  FL   32034          1            08/30/02         00
    0434546156                           05           10/01/02          0
    3252003029A                          O            09/01/32
    0

    8024841          N67/G02             F          120,000.00         ZZ
                                         360        119,910.94          1
                                       7.500            839.06         54
                                       7.250            839.06
    BOYERTOWN        PA   19512          5            08/29/02         00
    0434550240                           05           10/01/02          0
    3264001107A                          O            09/01/32
    0

    8024969          N67/G02             F          392,000.00         ZZ
                                         360        391,723.33          3
                                       7.750          2,808.34         80
                                       7.500          2,808.34
    MASPETH          NY   11377          1            08/27/02         00
    0434551842                           05           10/01/02          0
    3274003242A                          O            09/01/32
    0

    8025251          E22/G02             F          500,000.00         ZZ
                                         360        499,569.51          1
                                       6.750          3,242.99         79
                                       6.500          3,242.99
    HOPLAND          CA   95449          5            08/26/02         00
    0414222000                           05           10/01/02          0
    0414222000                           O            09/01/32
    0

    8025341          E22/G02             F          247,500.00         ZZ
                                         360        247,500.00          4
                                       7.500          1,730.56         90
                                       7.250          1,730.56
    STONINGTON       CT   06379          1            09/10/02         01
    0414685651                           05           11/01/02         25
    0414685651                           N            10/01/32
    0

    8025487          E22/G02             F          324,000.00         ZZ
                                         360        324,000.00          1
                                       6.750          2,101.46         90
                                       6.500          2,101.46
    ALBUQUERQUE      NM   87123          5            09/05/02         04
    0414814855                           05           11/01/02         25
    0414814855                           O            10/01/32
    0
1

    8025547          E22/G02             F           31,200.00         ZZ
                                         360         31,200.00          1
                                       7.875            226.22         80
                                       7.625            226.22
    BIRMINGHAM       AL   35206          1            09/10/02         00
    0414892042                           05           11/01/02          0
    0414892042                           N            10/01/32
    0

    8025735          U97/G02             F          386,000.00         ZZ
                                         360        385,675.71          1
                                       6.875          2,535.75         80
                                       6.625          2,535.75
    CHINO HILLS      CA   91709          5            08/24/02         00
    0434621090                           05           10/01/02          0
    7247421                              O            09/01/32
    0

    8026705          964/G02             F          383,000.00         ZZ
                                         360        383,000.00          1
                                       6.500          2,420.82         63
                                       6.250          2,420.82
    NIPOMO           CA   93444          5            09/04/02         00
    0434590162                           05           11/01/02          0
    239774                               O            10/01/32
    0

    8026903          B57/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.750          2,075.51         80
                                       6.500          2,075.51
    GILROY           CA   95020          2            09/04/02         00
    0434620589                           05           11/01/02          0
    10005104                             O            10/01/32
    0

    8027167          W35/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.250            985.15         75
                                       6.000            985.15
    HOPEDALE         MA   01747          5            09/06/02         00
    0434602850                           05           11/01/02          0
    13842                                O            10/01/32
    0

    8027455          N74/G02             F           61,503.00         ZZ
                                         360         61,446.03          1
1

                                       6.375            383.70         83
                                       6.125            383.70
    SUMMERVILLE      SC   29483          2            09/06/02         10
    0434623104                           05           10/01/02         12
    0030700010                           O            09/01/32
    0

    8027469          F89/G02             F          630,000.00         ZZ
                                         360        629,430.47          1
                                       6.500          3,982.03         70
                                       6.250          3,982.03
    SANTA BARBARA    CA   93103          2            08/23/02         00
    0434591699                           05           10/01/02          0
    16922395                             O            09/01/32
    0

    8027597          783/G02             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.500          3,033.93         85
                                       6.250          3,033.93
    OAK HARBOR       WA   98277          5            08/30/02         11
    0434584579                           05           11/01/02         12
    9420010056                           O            10/01/32
    0

    8027739          W40/G02             F          450,000.00         ZZ
                                         360        449,583.22          1
                                       6.375          2,807.41         70
                                       6.125          2,807.41
    ROCHESTER HILLS  MI   48306          5            08/31/02         00
    0434567442                           05           10/01/02          0
    10109891                             O            09/01/32
    0

    8028875          X75/G02             F          331,000.00         ZZ
                                         360        330,715.02          1
                                       6.750          2,146.86         88
                                       6.500          2,146.86
    CASTRO VALLEY    CA   94546          2            08/20/02         10
    0434600615                           05           10/01/02         25
    02070515                             O            09/01/32
    0

    8029737          550/550             F          730,000.00         ZZ
                                         360        730,000.00          1
                                       6.400          4,566.20         30
                                       6.150          4,566.20
    SAN FRANCISCO    CA   94115          2            08/27/02         00
    120564898                            05           11/01/02          0
1

    120564898                            O            10/01/32
    0

    8029857          X64/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.375          1,403.71         74
                                       6.125          1,403.71
    NOVI             MI   48375          5            08/30/02         00
    0434546297                           05           11/01/02          0
    9459363                              O            10/01/32
    0

    8029909          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.750          2,594.39         92
                                       6.500          2,594.39
    CANTON           TX   75103          2            09/06/02         04
    0414450320                           05           11/01/02         30
    0414450320                           O            10/01/32
    0

    8029925          E22/G02             F          347,970.00         ZZ
                                         360        347,970.00          1
                                       6.875          2,285.92         84
                                       6.625          2,285.92
    LAS VEGAS        NV   89147          2            09/05/02         01
    0414502120                           03           11/01/02         25
    0414502120                           O            10/01/32
    0

    8029975          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.375            998.19         80
                                       6.125            998.19
    O FALLON         MO   63366          5            09/06/02         00
    0414659763                           05           11/01/02          0
    0414659763                           O            10/01/32
    0

    8029977          E22/G02             F          326,000.00         ZZ
                                         360        326,000.00          1
                                       6.750          2,114.43         68
                                       6.500          2,114.43
    SAN ANTONIO      TX   78216          5            09/06/02         00
    0414660225                           03           11/01/02          0
    0414660225                           O            10/01/32
    0

1

    8029995          E22/G02             F           42,300.00         ZZ
                                         360         42,300.00          1
                                       7.875            306.70         90
                                       7.625            306.70
    RICHTON PARK     IL   60471          1            09/11/02         10
    0414672451                           09           11/01/02         25
    0414672451                           N            10/01/32
    0

    8030001          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          2
                                       6.750          2,594.39         80
                                       6.500          2,594.39
    PASADENA         CA   91103          5            09/04/02         00
    0414682591                           05           11/01/02          0
    0414682591                           O            10/01/32
    0

    8030003          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.375            998.19         80
                                       6.125            998.19
    NEW ORLEANS      LA   70115          5            09/06/02         00
    0414685529                           01           11/01/02          0
    0414685529                           O            10/01/32
    0

    8030011          E22/G02             F          480,000.00         ZZ
                                         360        480,000.00          2
                                       7.500          3,356.23         80
                                       7.250          3,356.23
    BROOKLYN         NY   11210          5            09/06/02         00
    0414704916                           05           11/01/02          0
    0414704916                           O            10/01/32
    0

    8030013          E22/G02             F          407,950.00         ZZ
                                         360        407,950.00          1
                                       6.750          2,645.96         80
                                       6.500          2,645.96
    DALLAS           TX   75229          5            09/06/02         00
    0414707554                           05           11/01/02          0
    0414707554                           O            10/01/32
    0

    8030015          E22/G02             F          550,000.00         ZZ
                                         360        550,000.00          1
                                       6.500          3,476.37         79
                                       6.250          3,476.37
1

    SOUTH LYON       MI   48178          5            09/06/02         00
    0414708826                           05           11/01/02          0
    0414708826                           O            10/01/32
    0

    8030117          E22/G02             F           74,400.00         ZZ
                                         360         74,400.00          1
                                       7.625            526.60         80
                                       7.375            526.60
    MIAMI            FL   33032          1            09/11/02         00
    0414786384                           03           11/01/02          0
    0414786384                           N            10/01/32
    0

    8030119          E22/G02             F          371,000.00         ZZ
                                         360        371,000.00          1
                                       6.375          2,314.56         79
                                       6.125          2,314.56
    PLAINVIEW        NY   11803          1            09/11/02         00
    0414787408                           05           11/01/02          0
    0414787408                           O            10/01/32
    0

    8030141          E22/G02             F          125,250.00         ZZ
                                         360        125,250.00          1
                                       7.625            886.51         75
                                       7.375            886.51
    COLORADO SPRING  CO   80915          5            09/11/02         00
    0414812362                           05           11/01/02          0
    0414812362                           N            10/01/32
    0

    8030145          E22/G02             F          156,000.00         ZZ
                                         360        156,000.00          1
                                       6.375            973.24         77
                                       6.125            973.24
    GRAND RAPIDS     MI   49507          5            09/06/02         00
    0414817262                           05           11/01/02          0
    0414817262                           O            10/01/32
    0

    8030171          E22/G02             F           79,200.00         T
                                         360         79,200.00          1
                                       7.750            567.40         80
                                       7.500            567.40
    MIAMI            FL   33165          1            09/09/02         00
    0414847178                           01           11/01/02          0
    0414847178                           O            10/01/32
    0
1

    8030183          E22/G02             F           99,000.00         ZZ
                                         360         99,000.00          1
                                       7.875            717.82         90
                                       7.625            717.82
    GRIFFITH         IN   46319          5            09/06/02         04
    0414858043                           05           11/01/02         25
    0414858043                           O            10/01/32
    0

    8031255          K31/G02             F          309,000.00         ZZ
                                         360        308,727.38          1
                                       6.625          1,978.56         75
                                       6.375          1,978.56
    ALPHARETTA       GA   30022          2            08/27/02         00
    0434593935                           05           10/01/02          0
    897738                               O            09/01/32
    0

    8031333          E45/G02             F           29,100.00         ZZ
                                         360         29,080.47          1
                                       8.000            213.53         75
                                       7.750            213.53
    BEVERLY HILLS    FL   34465          1            08/28/02         00
    0434593646                           05           10/01/02          0
    250936                               N            09/01/32
    0

    8031469          369/G02             F          355,000.00         ZZ
                                         360        354,679.07          1
                                       6.500          2,243.85         80
                                       6.250          2,243.85
    CARMEL           IN   46032          1            08/23/02         00
    0434631552                           03           10/01/02          0
    0074393380                           O            09/01/32
    0

    8031511          K39/G02             F          318,000.00         ZZ
                                         360        317,731.53          1
                                       6.850          2,083.72         58
                                       6.600          2,083.72
    LONGMONT         CO   80503          5            08/31/02         00
    0434560157                           03           10/06/02          0
    521762339                            O            09/06/32
    0

    8031707          U35/G02             F          179,850.00         ZZ
                                         360        179,850.00          1
1

                                       6.125          1,092.79         85
                                       5.875          1,092.79
    INDIANAPOLIS     IN   46259          2            09/10/02         04
    0434605911                           03           11/01/02         12
    7327558                              O            10/01/32
    0

    8032111          N47/G02             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.375          2,183.54         80
                                       6.125          2,183.54
    SAN JOSE         CA   95111          2            09/01/02         00
    0434596805                           05           11/01/02          0
    20321187                             O            10/01/32
    0

    8032173          G34/G02             F          394,400.00         ZZ
                                         360        394,400.00          1
                                       6.500          2,492.88         80
                                       6.250          2,492.88
    OAKLAND          CA   94611          1            09/05/02         00
    0434621934                           05           11/01/02          0
    48200554                             O            10/01/32
    0

    8033507          S11/G02             F          370,000.00         ZZ
                                         360        369,657.31          1
                                       6.375          2,308.32         70
                                       6.125          2,308.32
    IRVINE           CA   92620          5            08/27/02         00
    0434602652                           05           10/01/02          0
    10208961                             O            09/01/32
    0

    8033687          696/G02             F          452,000.00         ZZ
                                         360        452,000.00          1
                                       6.500          2,856.95         80
                                       6.250          2,856.95
    WASHINGTON       DC   20009          1            09/12/02         00
    0434616660                           01           11/01/02          0
    31202089                             O            10/01/32
    0

    8033989          E22/G02             F          148,500.00         ZZ
                                         360        148,500.00          2
                                       7.750          1,063.87         90
                                       7.500          1,063.87
    BROOKLYN         NY   11221          1            09/12/02         04
    0414286971                           05           11/01/02         25
1

    0414286971                           N            10/01/32
    0

    8034063          E22/G02             F          524,000.00         ZZ
                                         360        524,000.00          1
                                       6.250          3,226.36         80
                                       6.000          3,226.36
    SHORELINE        WA   98177          5            08/29/02         00
    0414778464                           05           11/01/02          0
    0414778464                           O            10/01/32
    0

    8034471          601/G02             F           65,700.00         ZZ
                                         360         65,651.24          2
                                       7.500            459.39         90
                                       7.250            459.39
    COWETA           OK   74429          1            08/20/02         04
    0434597340                           05           10/01/02         25
    6161841                              N            09/01/32
    0

    8034631          X67/G02             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       6.500          2,781.10         79
                                       6.250          2,781.10
    STUDIO CITY      CA   91604          1            09/01/02         00
    0434613030                           05           11/01/02          0
    00267444                             O            10/01/32
    0

    8034635          738/G02             F          100,000.00         ZZ
                                         360         99,925.78          1
                                       7.500            699.22         80
                                       7.250            699.22
    MIAMI            FL   33056          5            08/29/02         00
    0434600250                           05           10/01/02          0
    40583785                             O            09/01/32
    0

    8034869          Q30/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
                                       6.000          1,289.03         79
                                       5.750          1,289.03
    MONROE           CT   06468          1            09/09/02         00
    0434614228                           05           11/01/02          0
    21016167                             O            10/01/32
    0

1

    8034909          Q14/G02             F           98,250.00         ZZ
                                         360         98,250.00          1
                                       6.125            596.98         94
                                       5.875            596.98
    DAVENPORT        IA   52804          2            09/09/02         01
    0434583191                           05           11/01/02         30
    0208764                              O            10/01/32
    0

    8035277          U19/G02             F          136,500.00         ZZ
                                         360        136,500.00          1
                                       6.375            851.58         63
                                       6.125            851.58
    LITTLETON        CO   80128          2            09/10/02         00
    0434554275                           05           11/01/02          0
    50804826                             O            10/01/32
    0

    8035283          962/G02             F           67,500.00         ZZ
                                         360         67,452.36          2
                                       7.750            483.58         90
                                       7.500            483.58
    FARGO            ND   58103          1            08/30/02         14
    0434610846                           05           10/01/02         25
    2002577                              N            09/01/32
    0

    8035287          A52/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.500          2,149.03         80
                                       6.250          2,149.03
    ATLANTA          GA   30331          5            09/10/02         00
    0434594057                           05           11/01/02          0
    20666                                O            10/01/32
    0

    8035341          E47/G02             F          384,800.00         ZZ
                                         360        384,468.69          1
                                       6.750          2,495.81         80
                                       6.500          2,495.81
    FREMONT          CA   94538          5            08/19/02         00
    0434640611                           05           10/01/02          0
    7333012437                           O            09/01/32
    0

    8035357          601/G02             F          373,000.00         ZZ
                                         360        372,686.63          1
                                       6.875          2,450.35         75
                                       6.625          2,450.35
1

    MEDINAH          IL   60157          1            08/30/02         00
    0434579538                           05           10/01/02          0
    61755815                             O            09/01/32
    0

    8035443          X64/G02             F          251,500.00         ZZ
                                         360        251,500.00          1
                                       6.375          1,569.03         30
                                       6.125          1,569.03
    WEST BLOOMFIELD  MI   48324          5            09/05/02         00
    0434690418                           05           11/01/02          0
    9434828                              O            10/01/32
    0

    8035549          X51/G02             F          552,000.00         ZZ
                                         360        552,000.00          1
                                       6.250          3,398.76         74
                                       6.000          3,398.76
    LA CANADA FLINT  CA   91011          5            09/06/02         00
    0434625828                           05           11/01/02          0
    R2053582                             O            10/01/32
    0

    8035577          X51/G02             F          445,000.00         ZZ
                                         360        445,000.00          1
                                       6.375          2,776.22         69
                                       6.125          2,776.22
    CALABASAS        CA   91302          5            09/06/02         00
    0434625810                           05           11/01/02          0
    R2053507                             O            10/01/32
    0

    8035613          601/G02             F           87,776.00         ZZ
                                         360         87,714.05          2
                                       7.750            628.84         80
                                       7.500            628.84
    CLEARWATER       FL   33756          1            08/07/02         00
    0434597480                           05           10/01/02          0
    61726782                             N            09/01/32
    0

    8035645          W35/G02             F          172,000.00         ZZ
                                         360        172,000.00          1
                                       6.125          1,045.09         80
                                       5.875          1,045.09
    ANKENY           IA   50021          5            09/09/02         00
    0434614020                           05           11/01/02          0
    13809                                O            10/01/32
    0
1

    8035723          W35/G02             F           40,000.00         ZZ
                                         360         39,970.90          1
                                       7.600            282.43         75
                                       7.350            282.43
    HENNING          IL   61848          5            08/30/02         00
    0434614103                           05           10/01/02          0
    13510                                N            09/01/32
    0

    8035773          601/G02             F          200,000.00         ZZ
                                         360        199,814.76          1
                                       6.375          1,247.74         67
                                       6.125          1,247.74
    AURORA           CO   80018          5            08/26/02         00
    0434580114                           05           10/01/02          0
    61744397                             O            09/01/32
    0

    8035817          W35/G02             F          196,200.00         ZZ
                                         360        196,200.00          1
                                       6.250          1,208.04         68
                                       6.000          1,208.04
    BETHEL           CT   06801          5            09/06/02         00
    0434614046                           05           11/01/02          0
    13953                                O            10/01/32
    0

    8035933          U05/G02             F          325,000.00         ZZ
                                         360        324,726.96          1
                                       6.875          2,135.02         70
                                       6.625          2,135.02
    AUSTIN           TX   78731          5            08/26/02         00
    0434616306                           05           10/01/02          0
    3254817                              O            09/01/32
    0

    8036041          L73/G02             F          346,000.00         ZZ
                                         360        346,000.00          1
                                       6.750          2,244.15         80
                                       6.500          2,244.15
    MISSION VIEJO    CA   92691          5            09/05/02         00
    0434609202                           03           11/01/02          0
    46001538                             O            10/01/32
    0

    8036203          225/G02             F          850,000.00         ZZ
                                         351        849,260.22          1
1

                                       7.000          5,698.11         66
                                       6.750          5,698.11
    GAITHERSBURG     MD   20878          2            08/19/02         00
    0434627162                           05           10/01/02          0
    7298686                              O            12/01/31
    0

    8036371          A35/G02             F          530,000.00         ZZ
                                         360        530,000.00          1
                                       6.625          3,393.65         74
                                       6.375          3,393.65
    BAYSHORE         NY   11706          5            08/30/02         00
    0434616520                           05           11/01/02          0
    13737                                O            10/01/32
    0

    8036373          758/G02             F          544,000.00         ZZ
                                         360        543,508.22          1
                                       6.500          3,438.45         80
                                       6.250          3,438.45
    DALLAS           TX   75229          5            08/30/02         00
    0434665659                           05           10/01/02          0
    401802                               O            09/01/32
    0

    8036507          E22/G02             F          418,000.00         ZZ
                                         360        418,000.00          1
                                       6.750          2,711.14         65
                                       6.500          2,711.14
    DOWNEY           CA   90240          2            09/05/02         00
    0414483958                           05           11/01/02          0
    0414483958                           O            10/01/32
    0

    8036511          E22/G02             F           92,000.00         ZZ
                                         360         91,914.79          1
                                       6.375            573.96         77
                                       6.125            573.96
    CARTERSVILLE     GA   30120          5            09/09/02         00
    0414509737                           05           10/01/02          0
    0414509737                           O            09/01/32
    0

    8036519          E22/G02             F          304,500.00         ZZ
                                         360        304,500.00          1
                                       7.000          2,025.85         65
                                       6.750          2,025.85
    BANDERA          TX   78003          2            09/13/02         00
    0414547356                           05           11/01/02          0
1

    0414547356                           O            10/01/32
    0

    8036523          E22/G02             F          116,900.00         ZZ
                                         360        116,900.00          1
                                       7.500            817.38         90
                                       7.250            817.38
    CLINTON TOWNSHI  MI   48038          1            09/13/02         04
    0414554063                           05           11/01/02         25
    0414554063                           O            10/01/32
    0

    8036531          E22/G02             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.625          2,241.09         80
                                       6.375          2,241.09
    WEST FALMOUTH    MA   02574          2            09/09/02         00
    0414585646                           05           11/01/02          0
    0414585646                           O            10/01/32
    0

    8036555          E22/G02             F          162,000.00         ZZ
                                         360        162,000.00          3
                                       7.875          1,174.61         90
                                       7.625          1,174.61
    SCOTTSDALE       AZ   85258          1            09/04/02         04
    0414646232                           05           11/01/02         25
    0414646232                           N            10/01/32
    0

    8036557          E22/G02             F          162,000.00         ZZ
                                         360        162,000.00          3
                                       7.875          1,174.61         90
                                       7.625          1,174.61
    SCOTTSDALE       AZ   85258          1            08/29/02         04
    0414646273                           05           11/01/02         25
    0414646273                           N            10/01/32
    0

    8036595          E22/G02             F          147,000.00         ZZ
                                         360        147,000.00          1
                                       6.375            917.09         89
                                       6.125            917.09
    SANDY            UT   84094          2            09/05/02         04
    0414707836                           05           11/01/02         25
    0414707836                           O            10/01/32
    0

1

    8036619          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.375          1,372.51         59
                                       6.125          1,372.51
    FORT LAUDERDALE  FL   33305          5            09/09/02         00
    0414748335                           05           11/01/02          0
    0414748335                           O            10/01/32
    0

    8036661          E22/G02             F          441,600.00         ZZ
                                         360        441,600.00          1
                                       6.250          2,719.01         80
                                       6.000          2,719.01
    SOUTH LAKE TAHO  CA   96150          5            09/04/02         00
    0414785733                           03           11/01/02          0
    0414785733                           O            10/01/32
    0

    8036789          E22/G02             F           71,200.00         ZZ
                                         360         71,200.00          2
                                       7.875            516.25         90
                                       7.625            516.25
    INDIANAPOLIS     IN   46241          1            09/13/02         04
    0414931824                           05           11/01/02         25
    0414931824                           N            10/01/32
    0

    8037539          G51/G02             F           54,700.00         ZZ
                                         360         54,700.00          1
                                       7.750            391.88         80
                                       7.500            391.88
    HOLIDAY          FL   34691          1            09/03/02         00
    0434600243                           05           11/01/02          0
    25000484                             N            10/01/32
    0

    8037547          K15/G02             F          151,500.00         ZZ
                                         360        151,500.00          1
                                       6.000            908.32         80
                                       5.750            908.32
    SHOREVIEW        MN   55126          5            09/11/02         00
    0434598181                           05           11/01/02          0
    013205306346                         O            10/01/32
    0

    8037549          642/G02             F          312,000.00         ZZ
                                         360        312,000.00          1
                                       6.875          2,049.62         80
                                       6.625          2,049.62
1

    LYNNFIELD        MA   01940          5            09/04/02         00
    0434645990                           05           11/01/02          0
    08148102                             O            10/01/32
    0

    8037735          W68/G02             F          208,000.00         ZZ
                                         360        208,000.00          1
                                       7.500          1,454.37         80
                                       7.250          1,454.37
    DALLAS           TX   75220          5            09/03/02         00
    0434623898                           05           11/01/02          0
    29007                                O            10/01/32
    0

    8038625          X67/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.500          2,401.86         80
                                       6.250          2,401.86
    MONROVIA         CA   91016          5            09/05/02         00
    0434615647                           05           11/01/02          0
    00269578                             O            10/01/32
    0

    8038691          G34/G02             F          121,500.00         ZZ
                                         360        121,500.00          4
                                       7.500            849.55         90
                                       7.250            849.55
    PHOENIX          AZ   85008          1            09/09/02         04
    0434618492                           05           11/01/02         25
    85206046                             N            10/01/32
    0

    8038713          134/G02             F          599,834.00         ZZ
                                         342        596,385.78          1
                                       7.000          4,053.58         75
                                       6.750          4,053.58
    REDONDO BEACH    CA   90277          2            06/01/02         00
    0434631503                           05           07/01/02          0
    10857944                             O            12/01/30
    0

    8038715          134/G02             F          628,850.00         ZZ
                                         342        627,683.85          1
                                       7.000          4,249.67         71
                                       6.750          4,249.67
    BELL CANYON      CA   91307          1            07/08/02         00
    0434626941                           03           09/01/02          0
    10955292                             O            02/01/31
    0
1

    8038761          134/G02             F          404,000.00         ZZ
                                         360        400,345.71          1
                                       6.625          2,586.86         80
                                       6.375          2,586.86
    THOUSAND OAKS    CA   91361          5            11/13/01         00
    0434629846                           05           01/01/02          0
    12101267                             O            12/01/31
    0

    8038777          134/G02             F          329,000.00         ZZ
                                         360        328,403.53          1
                                       6.500          2,079.51         68
                                       6.250          2,079.51
    FULLERTON        CA   92835          1            07/02/02         00
    0434627618                           05           09/01/02          0
    12567483                             O            08/01/32
    0

    8038787          134/G02             F          547,000.00         ZZ
                                         360        545,579.15          1
                                       6.750          3,547.84         75
                                       6.500          3,547.84
    WILTON           CT   06897          5            06/10/02         00
    0434631123                           05           08/01/02          0
    12579322                             O            07/01/32
    0

    8038795          134/G02             F          324,000.00         ZZ
                                         360        322,874.71          1
                                       6.750          2,101.46         80
                                       6.500          2,101.46
    HUNTINGTON BEAC  CA   92646          1            05/16/02         00
    0434634176                           05           07/01/02          0
    12590527                             O            06/01/32
    0

    8038813          134/G02             F          454,800.00         ZZ
                                         360        453,220.41          1
                                       6.750          2,949.83         80
                                       6.500          2,949.83
    HERMOSA BEACH    CA   90254          1            05/31/02         00
    0434667721                           05           07/01/02          0
    12636296                             O            06/01/32
    0

    8038821          134/G02             F          400,000.00         ZZ
                                         360        398,986.06          1
1

                                       6.875          2,627.72         75
                                       6.625          2,627.72
    UNION CITY       CA   94587          2            06/14/02         00
    0434622593                           05           08/01/02          0
    12638805                             O            07/01/32
    0

    8038837          134/G02             F          515,000.00         ZZ
                                         360        514,153.25          1
                                       7.000          3,426.31         52
                                       6.750          3,426.31
    CARDIFF          CA   92007          2            07/01/02         00
    0434616462                           05           09/01/02          0
    12654687                             O            08/01/32
    0

    8038839          134/G02             F          362,000.00         ZZ
                                         360        361,404.81          1
                                       7.000          2,408.40         56
                                       6.750          2,408.40
    SAN DIEGO        CA   92127          2            07/08/02         00
    0434609806                           05           09/01/02          0
    12657987                             O            08/01/32
    0

    8038845          134/G02             F          464,000.00         ZZ
                                         360        463,237.10          1
                                       7.000          3,087.01         80
                                       6.750          3,087.01
    FAIRFAX          CA   94930          1            07/03/02         00
    0434593786                           05           09/01/02          0
    12661419                             O            08/01/32
    0

    8038847          134/G02             F          640,000.00         ZZ
                                         360        638,836.71          1
                                       6.500          4,045.24         75
                                       6.250          4,045.24
    NORTH CALDWELL   NJ   07006          5            07/03/02         00
    0434622684                           05           09/01/02          0
    12665345                             O            08/01/32
    0

    8038865          134/G02             F          358,700.00         ZZ
                                         360        358,391.16          1
                                       6.750          2,326.53         80
                                       6.500          2,326.53
    SCOTTSDALE       AZ   85255          2            08/13/02         00
    0434625612                           03           10/01/02          0
1

    12683439                             O            09/01/32
    0

    8038867          134/G02             F          562,500.00         ZZ
                                         360        561,552.15          1
                                       6.875          3,695.23         75
                                       6.625          3,695.23
    LOS ANGELES      CA   90048          5            07/12/02         00
    0434627816                           05           09/01/02          0
    12684023                             O            08/01/32
    0

    8038875          134/G02             F          645,000.00         ZZ
                                         360        643,886.21          1
                                       6.750          4,183.46         43
                                       6.500          4,183.46
    ENCINITAS        CA   92024          2            07/11/02         00
    0434634770                           03           09/01/02          0
    12695987                             O            08/01/32
    0

    8038903          134/G02             F          527,100.00         ZZ
                                         360        526,211.79          1
                                       6.875          3,462.68         80
                                       6.625          3,462.68
    ESCONDIDO        CA   92029          1            07/20/02         00
    0434634754                           05           09/01/02          0
    12724548                             O            08/01/32
    0

    8038911          134/G02             F          473,000.00         ZZ
                                         360        472,592.76          1
                                       6.750          3,067.87         80
                                       6.500          3,067.87
    EAST PALO ALTO   CA   94303          2            08/02/02         00
    0434619813                           03           10/01/02          0
    12729695                             O            09/01/32
    0

    8038943          134/G02             F          368,000.00         ZZ
                                         360        367,364.52          1
                                       6.750          2,386.85         77
                                       6.500          2,386.85
    GILROY           CA   95020          2            07/26/02         00
    0434610044                           05           09/01/02          0
    12742144                             O            08/01/32
    0

1

    8038945          134/G02             F          574,000.00         ZZ
                                         360        573,493.57          1
                                       6.625          3,675.39         33
                                       6.375          3,675.39
    SAN JOSE         CA   95138          2            08/02/02         00
    0434622353                           03           10/01/02          0
    12742151                             O            09/01/32
    0

    8038963          134/G02             F          404,000.00         ZZ
                                         360        403,302.36          1
                                       6.750          2,620.34         80
                                       6.500          2,620.34
    SAN FRANCISCO    CA   94110          1            07/22/02         00
    0434636247                           07           09/01/02          0
    12743860                             O            08/01/32
    0

    8038971          134/G02             F          527,000.00         ZZ
                                         360        526,523.58          1
                                       6.500          3,331.00         80
                                       6.250          3,331.00
    SAN JOSE         CA   95125          5            08/12/02         00
    0434622338                           03           10/01/02          0
    12743910                             O            09/01/32
    0

    8039017          134/G02             F          408,000.00         ZZ
                                         360        407,648.71          1
                                       6.750          2,646.29         75
                                       6.500          2,646.29
    DUBLIN           CA   94568          5            08/02/02         00
    0434591632                           05           10/01/02          0
    12751483                             O            09/01/32
    0

    8039027          134/G02             F          483,000.00         ZZ
                                         360        482,541.70          1
                                       6.250          2,973.92         70
                                       6.000          2,973.92
    LA CANADA FLINT  CA   91011          1            08/07/02         00
    0434620258                           05           10/01/02          0
    12752275                             O            09/01/32
    0

    8039029          134/G02             F          326,000.00         ZZ
                                         360        325,107.85          1
                                       6.500          2,060.55         61
                                       6.250          2,060.55
1

    HUNTINGTON BEAC  CA   92648          2            07/24/02         00
    0434611752                           05           09/01/02          0
    12752887                             O            08/01/32
    0

    8039065          134/G02             F          368,500.00         ZZ
                                         360        368,182.72          1
                                       6.750          2,390.09         73
                                       6.500          2,390.09
    ANAHEIM          CA   92807          2            08/26/02         00
    0434623245                           03           10/01/02          0
    12764387                             O            09/01/32
    0

    8039075          134/G02             F          525,000.00         ZZ
                                         360        524,547.98          1
                                       6.750          3,405.15         74
                                       6.500          3,405.15
    SAN DIEGO        CA   92130          2            08/14/02         00
    0434623443                           05           10/01/02          0
    12766192                             O            09/01/32
    0

    8039079          134/G02             F          585,000.00         ZZ
                                         360        584,496.33          1
                                       6.750          3,794.30         42
                                       6.500          3,794.30
    COTO DE CAZA     CA   92679          2            08/21/02         00
    0434614061                           03           10/01/02          0
    12767406                             O            09/01/32
    0

    8039081          134/G02             F          340,000.00         ZZ
                                         360        339,707.26          1
                                       6.750          2,205.24         74
                                       6.500          2,205.24
    SAN DIEGO        CA   92131          2            08/10/02         00
    0434611240                           05           10/01/02          0
    12767497                             O            09/01/32
    0

    8039117          134/G02             F          430,000.00         ZZ
                                         360        429,573.96          1
                                       6.625          2,753.34         75
                                       6.375          2,753.34
    SAN RAMON        CA   94583          5            08/22/02         00
    0434620050                           05           10/01/02          0
    12836383                             O            09/01/32
    0
1

    8039123          134/G02             F          682,369.00         ZZ
                                         329        681,680.02          1
                                       7.000          4,669.47         46
                                       6.750          4,669.47
    LOS ANGELES      CA   90272          1            08/21/02         00
    0434611620                           05           10/01/02          0
    9005844                              O            02/01/30
    0

    8039129          U05/G02             F          528,750.00         ZZ
                                         360        528,294.76          2
                                       6.750          3,429.46         75
                                       6.500          3,429.46
    CHICAGO          IL   60614          5            08/27/02         00
    0434607990                           05           10/01/02          0
    3257438                              O            09/01/32
    0

    8039171          X75/G02             F          368,000.00         ZZ
                                         360        367,675.33          1
                                       6.625          2,356.34         80
                                       6.375          2,356.34
    SANTA CLARA      CA   95051          2            08/13/02         00
    0434635124                           05           10/01/02          0
    2080026                              O            09/01/32
    0

    8039189          X67/G02             F          376,000.00         ZZ
                                         360        375,668.26          1
                                       6.625          2,407.57         80
                                       6.375          2,407.57
    FREMONT          CA   94538          1            08/19/02         00
    0434600003                           05           10/01/02          0
    00268529                             O            09/01/32
    0

    8039291          X78/G02             F           63,000.00         ZZ
                                         360         63,000.00          2
                                       7.750            451.34         90
                                       7.500            451.34
    GRIFFIN          GA   30324          1            09/13/02         10
    0434620092                           05           11/01/02         25
    990184                               N            10/01/32
    0

    8039307          X78/G02             F           54,000.00         ZZ
                                         360         54,000.00          2
1

                                       7.750            386.86         90
                                       7.500            386.86
    GRIFFIN          GA   30224          1            09/13/02         10
    0434619623                           05           11/01/02         25
    990185                               N            10/01/32
    0

    8039341          Q87/G02             F           70,000.00         ZZ
                                         360         69,950.59          1
                                       7.750            501.49         62
                                       7.500            501.49
    SAINT AUGUSTINE  FL   32092          2            09/11/02         00
    0434617312                           05           10/16/02          0
    ASDA03                               N            09/16/32
    0

    8039493          601/G02             F           66,000.00         ZZ
                                         360         65,951.01          1
                                       7.500            461.49         80
                                       7.250            461.49
    TAMPA            FL   33613          1            08/23/02         00
    0434593034                           05           10/01/02          0
    6179052                              N            09/01/32
    0

    8039553          601/G02             F           72,000.00         ZZ
                                         360         71,947.88          1
                                       7.625            509.62         75
                                       7.375            509.62
    JACKSONVILLE     FL   32210          5            08/19/02         00
    0434587465                           05           10/01/02          0
    61775615                             N            09/01/32
    0

    8039657          N47/G02             F          316,000.00         ZZ
                                         360        316,000.00          1
                                       6.375          1,971.43         80
                                       6.125          1,971.43
    SAN JOSE         CA   95121          2            09/01/02         00
    0434614418                           01           11/01/02          0
    20321152                             O            10/01/32
    0

    8039699          N47/G02             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       6.500          2,123.75         80
                                       6.250          2,123.75
    SAN DIEGO        CA   92123          1            09/04/02         00
    0434614301                           01           11/01/02          0
1

    30122677                             O            10/01/32
    0

    8039723          E47/G02             F          177,500.00         ZZ
                                         360        177,374.72          3
                                       7.750          1,271.63         79
                                       7.500          1,271.63
    BERWYN           IL   60402          5            08/27/02         00
    0434616850                           05           10/01/02          0
    7360514094                           O            09/01/32
    0

    8039727          601/G02             F          376,000.00         ZZ
                                         360        375,676.27          1
                                       6.750          2,438.73         66
                                       6.500          2,438.73
    GRAYSON          GA   30017          2            08/29/02         00
    0434593315                           03           10/01/02          0
    61765178                             O            09/01/32
    0

    8039745          601/G02             F           66,800.00         ZZ
                                         360         66,754.03          1
                                       7.875            484.35         80
                                       7.625            484.35
    BIRMINGHAM       AL   35215          2            08/13/02         00
    0434606752                           05           10/01/02          0
    61642559                             N            09/01/32
    0

    8039773          E86/G02             F          337,500.00         ZZ
                                         360        337,209.43          1
                                       6.750          2,189.01         80
                                       6.500          2,189.01
    MONROE TOWNSHIP  NJ   08831          2            08/19/02         00
    0434609889                           03           10/01/02          0
    2205099                              O            09/01/32
    0

    8040181          G75/G75             F          350,000.00         ZZ
                                         360        349,438.65          1
                                       7.375          2,417.37         71
                                       7.125          2,417.37
    BURKE            VA   22015          1            07/18/02         00
    04628559                             03           09/01/02          0
    04628559                             O            08/01/32
    0

1

    8040183          G75/G75             F          114,750.00         ZZ
                                         360        114,517.46          4
                                       8.000            842.00         90
                                       7.750            842.00
    WHITE SETTLEMEN  TX   76108          1            06/24/02         14
    04708737                             05           08/01/02         25
    04708737                             N            07/01/32
    0

    8040185          G75/G75             F          145,600.00         ZZ
                                         360        145,494.62          1
                                       7.625          1,030.55         80
                                       7.375          1,030.55
    CINCINNATI       OH   45247          1            08/12/02         00
    04698669                             05           10/01/02          0
    04698669                             O            09/01/32
    0

    8040187          G75/G75             F          123,200.00         ZZ
                                         360        122,930.77          1
                                       7.625            872.01         80
                                       7.375            872.01
    LOWER TOWNSHIP   NJ   08204          1            06/13/02         00
    04662006                             05           08/01/02          0
    04662006                             O            07/01/32
    0

    8040189          G75/G75             F           54,000.00         ZZ
                                         360         53,887.78          1
                                       7.875            391.54         90
                                       7.625            391.54
    BRIDGEPORT       CT   06606          1            06/17/02         10
    04705705                             05           08/01/02         25
    04705705                             O            07/01/32
    0

    8040195          G75/G75             F          319,200.00         ZZ
                                         360        318,466.85          1
                                       7.375          2,204.64         80
                                       7.125          2,204.64
    MARRIOTTSVILLE   MD   21104          1            06/14/02         00
    04627191                             05           08/01/02          0
    04627191                             O            07/01/32
    0

    8040199          G75/G75             F          122,550.00         ZZ
                                         360        122,282.18          1
                                       7.625            867.41         95
                                       7.375            867.41
1

    ALEXANDRIA       VA   22314          1            06/14/02         10
    04702824                             01           08/01/02         30
    04702824                             O            07/01/32
    0

    8040201          G75/G75             F          427,500.00         ZZ
                                         360        422,481.14          1
                                       7.375          2,952.64         90
                                       7.125          2,952.64
    STREET           MD   21154          1            06/14/02         14
    04714184                             05           08/01/02         25
    04714184                             O            07/01/32
    0

    8040203          G75/G75             F          207,000.00         ZZ
                                         360        206,580.51          4
                                       8.000          1,518.90         90
                                       7.750          1,518.90
    NORTH WALES      PA   19454          1            06/25/02         10
    04721052                             05           08/01/02         25
    04721052                             N            07/01/32
    0

    8040205          G75/G75             F          392,000.00         ZZ
                                         360        391,121.74          3
                                       7.500          2,740.93         80
                                       7.250          2,740.93
    WASHINGTON       DC   20001          1            07/03/02         00
    04714071                             05           08/01/02          0
    04714071                             O            07/01/32
    0

    8040211          G75/G75             F          238,500.00         ZZ
                                         360        238,186.91          1
                                       8.125          1,770.86         90
                                       7.875          1,770.86
    TINTON FALLS     NJ   07724          1            07/03/02         10
    04704981                             05           09/01/02         25
    04704981                             O            08/01/32
    0

    8040213          G75/G75             F          374,000.00         ZZ
                                         360        373,414.72          1
                                       7.250          2,551.34         69
                                       7.000          2,551.34
    HOPEWELL TWP.    NJ   08534          1            07/18/02         00
    04671485                             05           09/01/02          0
    04671485                             O            08/01/32
    0
1

    8040219          G75/G75             F          356,350.00         ZZ
                                         360        355,551.61          1
                                       7.500          2,491.66         80
                                       7.250          2,491.66
    LAKE IN THE HIL  IL   60156          1            06/27/02         00
    04538736                             05           08/01/02          0
    04538736                             O            07/01/32
    0

    8040223          G75/G75             F           40,800.00         ZZ
                                         360         40,772.62          1
                                       8.000            299.38         80
                                       7.750            299.38
    VIRGINIA BEACH   VA   23452          1            08/05/02         00
    04742234                             01           10/01/02          0
    04742234                             N            09/01/32
    0

    8040227          G75/G75             F          380,000.00         T
                                         360        380,000.00          1
                                       7.000          2,528.15         80
                                       6.750          2,528.15
    LINVILLE         NC   28646          1            09/04/02         00
    04750774                             01           11/01/02          0
    04750774                             O            10/01/32
    0

    8040229          G75/G75             F          521,000.00         ZZ
                                         360        521,000.00          1
                                       6.750          3,379.20         77
                                       6.500          3,379.20
    CALIFORNIA       MD   20619          2            08/29/02         00
    04759479                             05           11/01/02          0
    04759479                             O            10/01/32
    0

    8040231          G75/G75             F          120,600.00         ZZ
                                         360        120,514.87          4
                                       7.750            864.00         90
                                       7.500            864.00
    HARRISBURG       PA   17102          1            08/19/02         14
    04760751                             05           10/01/02         25
    04760751                             N            09/01/32
    0

    8040235          G75/G75             F          113,500.00         ZZ
                                         360        113,419.89          1
1

                                       7.750            813.13         95
                                       7.500            813.13
    RICHMOND         VA   23230          1            08/09/02         10
    04740569                             05           10/01/02         30
    04740569                             O            09/01/32
    0

    8040237          G75/G75             F          166,400.00         T
                                         360        166,276.50          1
                                       7.500          1,163.50         90
                                       7.250          1,163.50
    ARLINGTON        VA   22201          1            08/30/02         01
    04760371                             01           10/01/02         25
    04760371                             O            09/01/32
    0

    8040335          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       7.125          2,694.87         80
                                       6.875          2,694.87
    WADSWORTH        IL   60083          5            09/11/02         00
    0414607440                           05           11/01/02          0
    0414607440                           O            10/01/32
    0

    8040363          E22/G02             F           94,000.00         ZZ
                                         360         94,000.00          1
                                       8.000            689.74         94
                                       7.750            689.74
    NEW ORLEANS      LA   70129          2            09/10/02         11
    0414655183                           05           11/01/02         30
    0414655183                           O            10/01/32
    0

    8040391          E22/G02             F          384,000.00         ZZ
                                         360        384,000.00          1
                                       6.375          2,395.66         77
                                       6.125          2,395.66
    CUCHARA          CO   81055          5            09/11/02         00
    0414693242                           05           11/01/02          0
    0414693242                           O            10/01/32
    0

    8040423          E22/G02             F          218,500.00         ZZ
                                         360        218,500.00          1
                                       7.875          1,584.28         95
                                       7.625          1,584.28
    CHESTER          SC   29706          5            09/11/02         01
    0414734756                           05           11/01/02         30
1

    0414734756                           O            10/01/32
    0

    8040447          E22/G02             F          117,000.00         ZZ
                                         360        117,000.00          4
                                       7.875            848.33         90
                                       7.625            848.33
    TWIN FALLS       ID   83301          1            09/11/02         04
    0414752907                           05           11/01/02         25
    0414752907                           N            10/01/32
    0

    8040477          E22/G02             F           70,000.00         ZZ
                                         360         70,000.00          1
                                       7.625            495.46         82
                                       7.375            495.46
    PRATTVILLE       AL   36067          5            09/11/02         04
    0414783779                           05           11/01/02         12
    0414783779                           O            10/01/32
    0

    8040517          E22/G02             F          327,200.00         ZZ
                                         360        327,200.00          1
                                       7.000          2,176.87         80
                                       6.750          2,176.87
    PLANO            TX   75093          5            09/10/02         00
    0414812180                           03           11/01/02          0
    0414812180                           O            10/01/32
    0

    8040531          E22/G02             F          119,000.00         ZZ
                                         360        119,000.00          1
                                       7.625            842.27         73
                                       7.375            842.27
    LEICESTER        NC   28748          2            09/13/02         00
    0414822833                           05           11/01/02          0
    0414822833                           N            10/01/32
    0

    8040541          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          2
                                       7.875            783.07         90
                                       7.625            783.07
    NEW ORLEANS      LA   70019          1            09/16/02         01
    0414829127                           05           11/01/02         25
    0414829127                           N            10/01/32
    0

1

    8040577          E22/G02             F          342,400.00         ZZ
                                         360        342,400.00          1
                                       6.375          2,136.13         69
                                       6.125          2,136.13
    LYNNFIELD        MA   01940          2            09/09/02         00
    0414858258                           05           11/01/02          0
    0414858258                           O            10/01/32
    0

    8040597          E22/G02             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       6.500          2,781.10         80
                                       6.250          2,781.10
    CORRALES         NM   87048          2            09/11/02         00
    0414867689                           05           11/01/02          0
    0414867689                           O            10/01/32
    0

    8040855          E82/G02             F           64,800.00         ZZ
                                         360         64,800.00          1
                                       7.500            453.09         80
                                       7.250            453.09
    BELEN            NM   87002          2            09/10/02         00
    0400668679                           05           11/01/02          0
    1948888                              O            10/01/32
    0

    8041537          T44/G02             F          450,000.00         ZZ
                                         360        449,621.95          1
                                       6.875          2,956.18         75
                                       6.625          2,956.18
    SACRAMENTO       CA   95829          5            08/23/02         00
    0434610820                           05           10/01/02          0
    1048704                              O            09/01/32
    0

    8042031          E57/G02             F          416,000.00         ZZ
                                         360        415,650.51          1
                                       6.875          2,732.82         80
                                       6.625          2,732.82
    FRESNO           CA   93720          5            08/27/02         00
    0434641429                           05           10/01/02          0
    13002785                             O            09/01/32
    0

    8042043          U05/G02             F          385,000.00         ZZ
                                         360        384,643.41          1
                                       6.375          2,401.90         77
                                       6.125          2,401.90
1

    YORBA LINDA      CA   92887          5            08/22/02         00
    0434611984                           05           10/01/02          0
    3256708                              O            09/01/32
    0

    8042171          N47/G02             F          332,000.00         ZZ
                                         360        332,000.00          1
                                       6.750          2,153.35         80
                                       6.500          2,153.35
    ESCONDIDO        CA   92026          2            09/03/02         00
    0434614392                           03           11/01/02          0
    30122216                             O            10/01/32
    0

    8042255          U19/G02             F          208,800.00         T
                                         360        208,800.00          1
                                       6.125          1,268.69         80
                                       5.875          1,268.69
    BRECKENRIDGE     CO   80424          2            09/16/02         00
    0434554846                           01           11/01/02          0
    80804703                             O            10/01/32
    0

    8042301          M18/G02             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.250          2,308.94         78
                                       6.000          2,308.94
    IRVINE           CA   92620          5            09/04/02         00
    0434616637                           03           11/01/02          0
    980102036                            O            10/01/32
    0

    8042435          601/G02             F          107,920.00         ZZ
                                         360        107,843.82          1
                                       7.750            773.16         80
                                       7.500            773.16
    NEVADA           TX   75173          1            08/06/02         00
    0434587200                           05           10/01/02          0
    61709820                             O            09/01/32
    0

    8042649          601/G02             F           62,700.00         ZZ
                                         360         62,654.62          1
                                       7.625            443.79         95
                                       7.375            443.79
    VOORHEES         NJ   08043          5            08/15/02         11
    0434593364                           01           10/01/02         30
    61705943                             O            09/01/32
    0
1

    8042693          601/G02             F          320,000.00         ZZ
                                         360        319,774.15          1
                                       7.750          2,292.52         73
                                       7.500          2,292.52
    OAK PARK         IL   60302          2            08/09/02         00
    0434598769                           05           10/01/02          0
    61691622                             O            09/01/32
    0

    8042707          601/G02             F          125,000.00         ZZ
                                         360        124,813.88          1
                                       7.500            874.02        100
                                       7.250            874.02
    EULESS           TX   76039          1            07/23/02         10
    0434586251                           05           09/01/02         35
    61671335                             O            08/01/32
    0

    8042895          601/G02             F           23,555.00         ZZ
                                         360         23,520.77          1
                                       7.625            166.73         80
                                       7.375            166.73
    TALLAHASSEE      FL   32301          1            07/29/02         00
    0434604880                           05           09/01/02          0
    6167596                              N            08/01/32
    0

    8043113          601/G02             F           37,200.00         ZZ
                                         360         37,148.63          1
                                       7.875            269.73         80
                                       7.625            269.73
    BIRMINGHAM       AL   35206          2            08/02/02         00
    0434606943                           05           09/01/02          0
    61642591                             N            08/01/32
    0

    8043411          601/G02             F          234,500.00         T
                                         360        233,848.09          1
                                       7.875          1,700.29         70
                                       7.625          1,700.29
    PLAISTOW         NH   03865          5            07/29/02         00
    0434602512                           05           09/01/02          0
    61630877                             O            08/01/32
    0

    8043413          601/G02             F          105,000.00         ZZ
                                         360        104,925.88          1
1

                                       7.750            752.24         80
                                       7.500            752.24
    REVERE           MA   02151          2            08/01/02         00
    0434597258                           01           10/01/02          0
    61425070                             O            09/01/32
    0

    8044013          998/998             F          316,800.00         ZZ
                                         360        316,328.31          3
                                       7.500          2,215.11         90
                                       7.250          2,215.11
    BRONX            NY   10475          1            07/12/02         10
    3441948                              05           09/01/02         25
    3441948                              O            08/01/32
    0

    8044021          998/998             F          328,650.00         ZZ
                                         360        328,373.89          1
                                       6.875          2,159.00         58
                                       6.625          2,159.00
    GULF SHORES      AL   36542          2            08/20/02         00
    5128788                              05           10/01/02          0
    5128788                              N            09/01/32
    0

    8044023          998/998             F          362,800.00         ZZ
                                         360        362,246.18          1
                                       7.375          2,505.77         85
                                       7.125          2,505.77
    ROCKLIN          CA   95765          5            07/26/02         12
    5181659                              05           09/01/02         12
    5181659                              O            08/01/32
    0

    8044037          W93/G02             F          535,500.00         ZZ
                                         360        535,038.94          1
                                       6.750          3,473.25         70
                                       6.500          3,473.25
    SAN JOSE         CA   95148          2            08/26/02         00
    0434623377                           05           10/01/02          0
    20346016                             O            09/01/32
    0

    8044149          W93/G02             F          364,000.00         ZZ
                                         360        363,686.60          1
                                       6.750          2,360.90         80
                                       6.500          2,360.90
    DAVIS            CA   95616          5            08/22/02         00
    0434627493                           03           10/01/02          0
1

    21399643                             O            09/01/32
    0

    8044161          W93/G02             F          412,000.00         ZZ
                                         360        411,627.55          1
                                       6.500          2,604.12         80
                                       6.250          2,604.12
    DAVIS            CA   95616          5            08/27/02         00
    0434657680                           05           10/01/02          0
    21399777                             O            09/01/32
    0

    8044179          W93/G02             F          313,000.00         ZZ
                                         360        312,717.05          1
                                       6.500          1,978.37         79
                                       6.250          1,978.37
    CHULA VISTA      CA   91914          5            08/29/02         00
    0434621603                           05           10/01/02          0
    28396331                             O            09/01/32
    0

    8044185          W93/G02             F          336,000.00         ZZ
                                         360        335,703.55          1
                                       6.625          2,151.45         80
                                       6.375          2,151.45
    BONITA           CA   91902          1            08/26/02         00
    0434620472                           05           10/01/02          0
    28396509                             O            09/01/32
    0

    8044219          W93/G02             F          151,500.00         ZZ
                                         360        151,395.74          1
                                       7.875          1,098.48         75
                                       7.625          1,098.48
    PORTLAND         OR   97213          5            08/22/02         00
    0434630489                           05           10/01/02          0
    37384080                             O            09/01/32
    0

    8044221          W93/G02             F           92,175.00         ZZ
                                         360         92,108.29          1
                                       7.625            652.41         75
                                       7.375            652.41
    MEDFORD          OR   97501          1            08/27/02         00
    0434630802                           05           10/01/02          0
    42397097                             O            09/01/32
    0

1

    8044225          W93/G02             F          100,000.00         ZZ
                                         360         99,925.78          1
                                       7.500            699.22         68
                                       7.250            699.22
    GRANTS PASS      OR   97527          1            08/23/02         00
    0434623252                           05           10/01/02          0
    44403255                             O            09/01/32
    0

    8044833          E22/G02             F          351,500.00         ZZ
                                         360        351,500.00          1
                                       6.875          2,309.10         95
                                       6.625          2,309.10
    SALT LAKE CITY   UT   84108          1            09/11/02         04
    0414890160                           05           11/01/02         30
    0414890160                           O            10/01/32
    0

    8044845          E22/G02             F          520,800.00         ZZ
                                         360        520,800.00          1
                                       6.375          3,249.11         62
                                       6.125          3,249.11
    DANVILLE         CA   94526          1            09/12/02         00
    0414919076                           05           11/01/02          0
    0414919076                           O            10/01/32
    0

    8044861          E22/G02             F           40,500.00         ZZ
                                         360         40,500.00          1
                                       7.875            293.65         90
                                       7.625            293.65
    BOYNTON BEACH    FL   33435          1            09/17/02         04
    0414935965                           01           11/01/02         25
    0414935965                           N            10/01/32
    0

    8044899          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          2
                                       7.750            644.77         90
                                       7.500            644.77
    BATON ROUGE      LA   70815          1            09/17/02         01
    0414623470                           05           11/01/02         25
    0414623470                           N            10/01/32
    0

    8044931          601/G02             F          404,000.00         T
                                         360        403,660.58          1
                                       6.875          2,654.00         80
                                       6.625          2,654.00
1

    ST. AUGUSTINE    FL   32080          1            08/03/02         00
    0434586574                           05           10/01/02          0
    61627360                             O            09/01/32
    0

    8044979          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          2
                                       7.750            644.77         90
                                       7.500            644.77
    BATON ROUGE      LA   70815          1            09/17/02         04
    0414766303                           05           11/01/02         25
    0414766303                           N            10/01/32
    0

    8045259          E57/G02             F          342,400.00         ZZ
                                         360        342,119.33          1
                                       7.000          2,278.00         80
                                       6.750          2,278.00
    CYPRESS          CA   90630          2            08/28/02         00
    0434622478                           05           10/01/02          0
    06009308                             O            09/01/32
    0

    8045999          E86/G02             F          329,500.00         ZZ
                                         360        329,194.82          1
                                       6.375          2,055.65         80
                                       6.125          2,055.65
    RANCHO CUCAMONG  CA   91739          1            08/20/02         00
    0434597472                           03           10/01/02          0
    0000213190                           O            09/01/32
    0

    8046037          X66/G02             F          382,900.00         ZZ
                                         360        382,900.00          1
                                       7.000          2,547.44         90
                                       6.750          2,547.44
    HAYMARKET        VA   20169          1            09/13/02         04
    0434620191                           05           11/01/02         25
    89597201                             O            10/01/32
    0

    8046117          Q87/G02             F          127,300.00         ZZ
                                         360        127,210.16          1
                                       7.750            911.99         95
                                       7.500            911.99
    DUNLAP           TN   37327          5            09/13/02         10
    0434617924                           05           10/18/02         30
    STER01                               O            09/18/32
    0
1

    8046345          X64/G02             F          610,000.00         ZZ
                                         360        610,000.00          1
                                       6.375          3,805.61         74
                                       6.125          3,805.61
    BLOOMFIELD HILL  MI   48301          5            09/11/02         00
    0434613642                           05           11/01/02          0
    9504880                              O            10/01/32
    0

    8046375          E86/G02             F          558,700.00         ZZ
                                         360        558,218.97          1
                                       6.750          3,623.72         80
                                       6.500          3,623.72
    SIGNAL HILL      CA   90755          1            08/21/02         00
    0434597761                           03           10/01/02          0
    0000192043                           O            09/01/32
    0

    8046625          964/G02             F          148,680.00         ZZ
                                         360        148,575.06          1
                                       7.750          1,065.16         90
                                       7.500          1,065.16
    COLVILLE         WA   99114          1            08/22/02         01
    0434584264                           05           10/01/02         25
    247125                               O            09/01/32
    0

    8046733          R26/G02             F          460,000.00         ZZ
                                         360        460,000.00          1
                                       6.375          2,869.80         77
                                       6.125          2,869.80
    EL MACERO        CA   95618          5            09/11/02         00
    0434620282                           03           11/01/02          0
    003607                               O            10/01/32
    0

    8047385          Q51/G02             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       6.625          2,817.37         79
                                       6.375          2,817.37
    GLENDORA         CA   91740          2            09/01/02         00
    0434627733                           05           11/01/02          0
    608464R2081313                       O            10/01/32
    0

    8047405          E11/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
1

                                       6.375          3,119.35         74
                                       6.125          3,119.35
    EDEN PRAIRIE     MN   55346          5            09/11/02         00
    0434641270                           05           11/01/02          0
    1                                    O            10/01/32
    0

    8047423          721/G02             F          187,500.00         ZZ
                                         360        187,220.83          1
                                       7.500          1,311.03         79
                                       7.250          1,311.03
    LEBANON          OR   97355          2            07/09/02         00
    0434620381                           05           09/01/02          0
    7884042239                           O            08/01/32
    0

    8047435          A21/G02             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       6.625          2,202.67         80
                                       6.375          2,202.67
    BERGENFIELD      NJ   07621          1            09/09/02         00
    0434618278                           05           11/01/02          0
    8880000052                           O            10/01/32
    0

    8047463          Q51/G02             F          360,000.00         ZZ
                                         240        360,000.00          1
                                       6.625          2,710.62         79
                                       6.375          2,710.62
    HAYWARD          CA   94545          5            09/01/02         00
    0434635876                           05           11/01/02          0
    R2080808                             O            10/01/22
    0

    8048111          E22/G02             F          435,000.00         ZZ
                                         360        435,000.00          2
                                       6.875          2,857.64         70
                                       6.625          2,857.64
    AVON BY THE SEA  NJ   07717          5            09/13/02         00
    0414764175                           05           11/01/02          0
    0414764175                           O            10/01/32
    0

    8048155          E22/G02             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       7.000          2,235.42         80
                                       6.750          2,235.42
    SAN ANTONIO      TX   78209          5            09/13/02         00
    0414822544                           05           11/01/02          0
1

    0414822544                           O            10/01/32
    0

    8048175          E22/G02             F          102,500.00         T
                                         240        102,500.00          1
                                       6.250            749.20         69
                                       6.000            749.20
    ST. ISABEL       CO   81069          2            09/18/02         00
    0414834846                           05           11/01/02          0
    0414834846                           O            10/01/22
    0

    8048243          E22/G02             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.375          2,270.89         80
                                       6.125          2,270.89
    MISSION VIEJO    CA   92691          1            09/10/02         00
    0414906776                           03           11/01/02          0
    0414906776                           O            10/01/32
    0

    8048265          E22/G02             F          288,000.00         ZZ
                                         360        288,000.00          2
                                       7.500          2,013.74         80
                                       7.250          2,013.74
    RED BANK         NJ   07701          1            09/18/02         00
    0414944793                           05           11/01/02          0
    0414944793                           N            10/01/32
    0

    8048473          H58/G02             F          336,000.00         ZZ
                                         360        335,737.89          1
                                       7.250          2,292.11         80
                                       6.750          2,292.11
    SAN DIEGO        CA   92124          1            08/07/02         00
    0434591988                           05           10/01/02          0
    102270                               O            09/01/32
    0

    8049121          W02/G02             F          100,050.00         ZZ
                                         360         99,950.39          1
                                       6.000            599.86         96
                                       5.750            599.86
    JACKSONVILLE     FL   32211          2            08/13/02         12
    0434615068                           05           10/01/02         35
    1001376656                           O            09/01/32
    0

1

    8049415          168/168             F           68,400.00         ZZ
                                         360         68,400.00          1
                                       7.625            484.13         86
                                       7.375            484.13
    IRONDEQUOIT      NY   14617          1            09/13/02         10
    0089562909                           05           11/01/02         25
    0089562909                           N            10/01/32
    0

    8049461          S11/G02             F          355,000.00         ZZ
                                         360        355,000.00          1
                                       6.625          2,273.10         79
                                       6.375          2,273.10
    SAN CLEMENTE     CA   92673          2            09/11/02         00
    0434624060                           03           11/01/02          0
    10208998                             O            10/01/32
    0

    8049615          S11/G02             F          568,750.00         ZZ
                                         360        568,750.00          1
                                       6.875          3,736.28         65
                                       6.625          3,736.28
    SAN CLEMENTE     CA   92672          1            09/06/02         00
    0434687562                           03           11/01/02          0
    10209143                             N            10/01/32
    0

    8049617          G51/G02             F          436,000.00         ZZ
                                         360        436,000.00          1
                                       6.500          2,755.82         80
                                       6.250          2,755.82
    BOULDER          CO   80301          5            09/12/02         00
    0434634705                           03           11/01/02          0
    0700148                              O            10/01/32
    0

    8049701          737/G02             F           46,800.00         ZZ
                                         360         46,766.97          2
                                       7.750            335.28         90
                                       7.500            335.28
    MIDLAND          TX   79705          1            09/09/02         01
    0434614889                           05           10/01/02         25
    2080714                              N            09/01/32
    0

    8049733          737/G02             F          408,500.00         ZZ
                                         360        408,500.00          1
                                       6.875          2,683.55         80
                                       6.625          2,683.55
1

    PHOENIX          AZ   85048          5            09/09/02         00
    0434648192                           03           11/01/02          0
    2083870                              O            10/01/32
    0

    8049741          737/G02             F           46,800.00         ZZ
                                         360         46,766.97          2
                                       7.750            335.28         90
                                       7.500            335.28
    MIDLAND          TX   79705          1            10/09/02         01
    0434615753                           05           10/01/02         25
    2078472                              N            09/01/32
    0

    8049877          369/G02             F          441,000.00         ZZ
                                         360        440,620.31          1
                                       6.750          2,860.32         75
                                       6.500          2,860.32
    ATLANTA          GA   30306          5            08/23/02         00
    0434630612                           05           10/01/02          0
    0074395658                           O            09/01/32
    0

    8050087          944/G02             F          358,400.00         ZZ
                                         360        358,400.00          1
                                       6.875          2,354.44         58
                                       6.625          2,354.44
    WILTON           CA   95693          5            09/03/02         00
    0434621439                           05           11/01/02          0
    W01610471                            O            10/01/32
    0

    8050095          369/G02             F          351,500.00         ZZ
                                         360        351,500.00          1
                                       7.125          2,368.12         95
                                       6.875          2,368.12
    LOWELL           MA   01852          1            09/06/02         12
    0434626321                           05           11/01/02         30
    23668566                             O            10/01/32
    0

    8050105          950/G02             F          332,000.00         ZZ
                                         360        331,707.09          1
                                       6.625          2,125.83         80
                                       6.375          2,125.83
    DUVALL           WA   98019          5            08/22/02         00
    0434631404                           05           10/01/02          0
    E1102054                             O            09/01/32
    0
1

    8050395          696/G02             F          346,500.00         ZZ
                                         360        346,500.00          1
                                       7.000          2,305.27         95
                                       6.750          2,305.27
    LORTON           VA   22079          1            09/10/02         12
    0434605507                           03           11/01/02         35
    25402037                             O            10/01/32
    0

    8050533          696/G02             F          497,000.00         ZZ
                                         360        497,000.00          1
                                       6.500          3,141.38         72
                                       6.250          3,141.38
    ARLINGTON        VA   22207          1            09/09/02         00
    0434620142                           05           11/01/02          0
    24602235                             O            10/01/32
    0

    8050787          X91/G02             F          800,000.00         ZZ
                                         360        800,000.00          1
                                       6.500          5,056.54         43
                                       6.250          5,056.54
    HONOLULU         HI   96816          2            09/12/02         00
    0434653036                           05           11/01/02          0
    801426                               O            10/01/32
    0

    8050861          E45/G02             F          396,000.00         ZZ
                                         360        395,650.62          1
                                       6.625          2,535.63         80
                                       6.375          2,535.63
    HULL             GA   30646          2            08/30/02         00
    0434641544                           05           10/01/02          0
    229067                               O            09/01/32
    0

    8050973          E45/G02             F           99,000.00         ZZ
                                         360         98,928.34          1
                                       7.625            700.72         90
                                       7.375            700.72
    NEW SMYRNA BEAC  FL   32169          1            08/29/02         11
    0434643383                           05           10/01/02         25
    278699                               O            09/01/32
    0

    8050975          K39/G02             F          484,000.00         ZZ
                                         360        483,056.76          1
1

                                       6.125          2,940.84         80
                                       5.875          2,940.84
    LAKEWOOD         CO   80235          5            07/31/02         00
    0434609996                           05           09/05/02          0
    521680265                            O            08/05/32
    0

    8051093          E22/G02             F          455,000.00         ZZ
                                         360        455,000.00          1
                                       6.000          2,727.95         65
                                       5.750          2,727.95
    WALNUT CREEK     CA   94598          5            09/12/02         00
    0414697110                           05           11/01/02          0
    0414697110                           O            10/01/32
    0

    8051171          E22/G02             F          304,000.00         ZZ
                                         360        304,000.00          1
                                       6.875          1,997.06         70
                                       6.625          1,997.06
    SAN JOSE         CA   95121          2            09/04/02         00
    0414730069                           05           11/01/02          0
    0414730069                           N            10/01/32
    0

    8051213          E22/G02             F          374,000.00         ZZ
                                         360        374,000.00          1
                                       6.750          2,425.76         72
                                       6.500          2,425.76
    MILPITAS         CA   95035          2            09/11/02         00
    0414757054                           05           11/01/02          0
    0414757054                           N            10/01/32
    0

    8051367          E22/G02             F          306,500.00         ZZ
                                         360        306,500.00          1
                                       6.375          1,912.16         80
                                       6.125          1,912.16
    LA MESA          CA   91941          1            09/13/02         00
    0414890236                           05           11/01/02          0
    0414890236                           O            10/01/32
    0

    8051987          M27/G02             F          360,000.00         ZZ
                                         360        359,682.38          1
                                       6.625          2,305.12         64
                                       6.375          2,305.12
    NASHVILLE        TN   37205          5            08/26/02         00
    0434617247                           05           10/01/02          0
1

    600800897                            O            09/01/32
    0

    8052001          742/G02             F          280,250.00         ZZ
                                         360        280,250.00          1
                                       7.625          1,983.59         95
                                       7.375          1,983.59
    POUGHKEEPSIE     NY   12601          1            09/12/02         11
    0434618922                           05           11/01/02         25
    5670435                              O            10/01/32
    0

    8052081          W39/G02             F           91,200.00         ZZ
                                         360         91,200.00          1
                                       7.750            653.37         95
                                       7.500            653.37
    PEARL            MS   39208          5            08/28/02         01
    0434648812                           05           11/01/02         30
    LA023000                             O            10/01/32
    0

    8052269          825/G02             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.250          2,955.44         80
                                       6.000          2,955.44
    BRECKENRIDGE     CO   80424          1            09/19/02         00
    0434657037                           01           11/01/02          0
    MCDOWELL14802                        O            10/01/32
    0

    8052311          U05/G02             F          314,500.00         ZZ
                                         360        314,500.00          1
                                       6.625          2,013.78         67
                                       6.375          2,013.78
    NEWBURY PARK     CA   91320          2            09/04/02         00
    0434631875                           05           11/01/02          0
    3259226                              O            10/01/32
    0

    8052381          P44/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       7.625          1,245.72         80
                                       7.375          1,245.72
    BARNSTABLE (HYA  MA   02601          1            09/13/02         00
    0434633152                           05           11/01/02          0
    0011828                              N            10/01/32
    0

1

    8052389          X67/G02             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       6.750          2,918.69         65
                                       6.500          2,918.69
    PLACERVILLE      CA   95667          5            09/12/02         00
    0434625083                           05           11/01/02          0
    00269575                             O            10/01/32
    0

    8052415          N47/G02             F          396,000.00         ZZ
                                         360        396,000.00          1
                                       7.125          2,667.93         79
                                       6.875          2,667.93
    SAN DIEGO        CA   92109          2            09/04/02         00
    0434618591                           01           11/01/02          0
    30122004                             O            10/01/32
    0

    8052735          W39/G02             F          126,000.00         ZZ
                                         360        126,000.00          2
                                       7.750            902.68         90
                                       7.500            902.68
    IRVING           TX   75060          1            09/20/02         01
    0434637179                           05           11/01/02         25
    PN122247                             N            10/01/32
    0

    8052757          W39/G02             F          128,250.00         ZZ
                                         360        128,250.00          2
                                       7.750            918.80         90
                                       7.500            918.80
    IRVING           TX   75060          1            09/20/02         01
    0434672663                           05           11/01/02         25
    PN122247                             N            10/01/32
    0

    8052811          Q14/G02             F          136,800.00         ZZ
                                         360        136,800.00          1
                                       6.250            842.30         90
                                       6.000            842.30
    PHOENIX          AZ   85048          1            09/19/02         01
    0434625919                           03           11/01/02         25
    02W2456                              O            10/01/32
    0

    8052931          S11/G02             F          314,000.00         ZZ
                                         360        314,000.00          1
                                       6.375          1,958.95         84
                                       6.125          1,958.95
1

    FULLERTON        CA   92831          5            09/12/02         11
    0434665618                           05           11/01/02         12
    10209197                             O            10/01/32
    0

    8053057          E76/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       6.250            443.32         39
                                       6.000            443.32
    EDGEWATER        CO   80214          5            09/16/02         00
    0434624714                           05           11/01/02          0
    10016573                             O            10/01/32
    0

    8053075          E45/G02             F          379,000.00         ZZ
                                         360        378,673.69          1
                                       6.750          2,458.19         76
                                       6.500          2,458.19
    ALPINE           CA   91901          5            08/22/02         00
    0434644258                           05           10/01/02          0
    264432                               O            09/01/32
    0

    8053259          588/G02             F          479,200.00         ZZ
                                         360        478,797.42          1
                                       6.875          3,148.00         80
                                       6.625          3,148.00
    CLIFTON          VA   20124          1            09/04/02         00
    0434631586                           03           10/01/02          0
    1072153                              O            09/01/32
    0

    8053435          E22/G02             F          361,000.00         ZZ
                                         360        361,000.00          4
                                       7.750          2,586.25         95
                                       7.500          2,586.25
    NEW ORLEANS      LA   70115          1            09/20/02         01
    0414240812                           05           11/01/02         30
    0414240812                           O            10/01/32
    0

    8053459          E22/G02             F           89,600.00         ZZ
                                         360         89,600.00          1
                                       6.250            551.68         80
                                       6.000            551.68
    GREAT FALLS      MT   59405          1            09/20/02         00
    0414603449                           05           11/01/02          0
    0414603449                           O            10/01/32
    0
1

    8053467          E22/G02             F          149,000.00         ZZ
                                         360        149,000.00          1
                                       6.250            917.42         74
                                       6.000            917.42
    ARVADA           CO   80003          5            09/16/02         00
    0414641407                           05           11/01/02          0
    0414641407                           O            10/01/32
    0

    8053539          E22/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.500          2,275.44         90
                                       6.250          2,275.44
    BIRMINGHAM       AL   35242          5            09/16/02         10
    0414786491                           03           11/01/02         25
    0414786491                           O            10/01/32
    0

    8053569          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.625          2,561.24         77
                                       6.375          2,561.24
    SALT LAKE CITY   UT   84121          2            09/12/02         00
    0414835587                           05           11/01/02          0
    0414835587                           O            10/01/32
    0

    8053615          E22/G02             F          560,000.00         ZZ
                                         360        560,000.00          1
                                       6.750          3,632.15         80
                                       6.500          3,632.15
    SAN FRANCISCO    CA   94112          1            09/18/02         00
    0414855940                           07           11/01/02          0
    0414855940                           O            10/01/32
    0

    8053627          E22/G02             F           70,200.00         ZZ
                                         360         70,200.00          1
                                       7.750            502.92         78
                                       7.500            502.92
    BESSEMER         AL   35023          2            09/20/02         00
    0414870428                           05           11/01/02          0
    0414870428                           N            10/01/32
    0

    8053989          E86/G02             F          391,500.00         ZZ
                                         360        391,179.09          1
1

                                       7.000          2,604.66         90
                                       6.750          2,604.66
    POMONA           NY   10970          1            08/30/02         04
    0434624391                           05           10/01/02         25
    0000229160                           O            09/01/32
    0

    8054349          E45/G02             F          540,000.00         ZZ
                                         360        539,499.85          1
                                       6.375          3,368.90         70
                                       6.125          3,368.90
    RICHMOND         VA   23233          5            08/26/02         00
    0434643789                           03           10/01/02          0
    266433                               O            09/01/32
    0

    8054423          E45/G02             F          512,000.00         ZZ
                                         360        511,537.14          1
                                       6.500          3,236.19         76
                                       6.250          3,236.19
    PROSPECT         KY   40059          2            08/26/02         00
    0434642377                           05           10/01/02          0
    268277                               O            09/01/32
    0

    8055023          N47/G02             F          477,000.00         ZZ
                                         360        477,000.00          1
                                       6.625          3,054.28         68
                                       6.375          3,054.28
    HOLLISTER        CA   95023          5            09/09/02         00
    0434622502                           05           11/01/02          0
    20121177                             O            10/01/32
    0

    8055025          967/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.875          3,284.64         58
                                       6.625          3,284.64
    KETCHUM          ID   83340          5            09/10/02         00
    0434638847                           05           11/01/02          0
    5682794                              O            10/01/32
    0

    8055077          E47/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.750          2,334.95         80
                                       6.500          2,334.95
    HUNTINGTON BEAC  CA   92649          1            09/04/02         00
    0434637203                           05           11/01/02          0
1

    7331014355                           N            10/01/32
    0

    8055695          N74/G02             F           39,600.00         ZZ
                                         360         39,600.00          1
                                       7.750            283.70         90
                                       7.500            283.70
    AUSTIN           AR   72007          1            09/20/02         10
    0434630547                           05           11/01/02         25
    0030759010                           N            10/01/32
    0

    8055763          J49/G02             F          496,000.00         ZZ
                                         360        496,000.00          1
                                       6.250          3,053.96         80
                                       6.000          3,053.96
    ORANGE           CA   92867          1            09/18/02         00
    0434681888                           03           11/01/02          0
    10209074                             O            10/01/32
    0

    8055777          Q59/G02             F          389,950.00         ZZ
                                         360        389,950.00          1
                                       6.875          2,561.69         52
                                       6.625          2,561.69
    ANAHEIM          CA   92802          1            09/12/02         00
    0434642880                           05           11/01/02          0
    402488                               O            10/01/32
    0

    8055931          F89/G02             F          630,000.00         ZZ
                                         360        630,000.00          1
                                       6.625          4,033.96         75
                                       6.375          4,033.96
    CASTAIC          CA   91384          2            09/10/02         00
    0434623708                           05           11/01/02          0
    23177                                O            10/01/32
    0

    8056377          W17/G02             F           46,400.00         ZZ
                                         360         46,400.00          1
                                       7.750            332.42         80
                                       7.500            332.42
    TAMARAC          FL   33321          1            09/19/02         00
    0434685004                           01           11/01/02          0
    020197                               N            10/01/32
    0

1

    8057063          E22/G02             F          893,000.00         ZZ
                                         360        893,000.00          1
                                       6.750          5,791.98         63
                                       6.500          5,791.98
    ORINDA           CA   94563          2            09/13/02         00
    0414366880                           05           11/01/02          0
    0414366880                           O            10/01/32
    0

    8057081          E22/G02             F          408,700.00         ZZ
                                         360        408,700.00          1
                                       6.250          2,516.44         75
                                       6.000          2,516.44
    SEATTLE          WA   98105          5            09/11/02         00
    0414565119                           05           11/01/02          0
    0414565119                           O            10/01/32
    0

    8057105          E22/G02             F           64,000.00         ZZ
                                         360         64,000.00          1
                                       7.875            464.04         80
                                       7.625            464.04
    FORT COLLINS     CO   80525          5            09/23/02         00
    0414641787                           01           11/01/02          0
    0414641787                           N            10/01/32
    0

    8057115          E22/G02             F          102,400.00         ZZ
                                         360        102,400.00          1
                                       7.625            724.78         80
                                       7.375            724.78
    PUEBLO           CO   81001          2            09/23/02         00
    0414661066                           05           11/01/02          0
    0414661066                           N            10/01/32
    0

    8057137          E22/G02             F          324,000.00         ZZ
                                         360        324,000.00          1
                                       7.250          2,210.25         90
                                       7.000          2,210.25
    WEYMOUTH         MA   02188          5            09/18/02         01
    0414700807                           05           11/01/02         25
    0414700807                           O            10/01/32
    0

    8057249          E22/G02             F          363,000.00         ZZ
                                         360        363,000.00          1
                                       6.500          2,294.41         65
                                       6.250          2,294.41
1

    PETALUMA         CA   94954          5            09/13/02         00
    0414848705                           05           11/01/02          0
    0414848705                           O            10/01/32
    0

    8057251          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.375          2,495.48         74
                                       6.125          2,495.48
    SAN FRANCISCO    CA   94124          1            09/16/02         00
    0414849422                           07           11/01/02          0
    0414849422                           O            10/01/32
    0

    8057275          E22/G02             F          511,000.00         ZZ
                                         360        511,000.00          1
                                       7.250          3,485.92         63
                                       7.000          3,485.92
    TACOMA           WA   98465          5            09/16/02         00
    0414863761                           05           11/01/02          0
    0414863761                           O            10/01/32
    0

    8057351          E22/G02             F          610,000.00         ZZ
                                         360        610,000.00          1
                                       6.500          3,855.61         79
                                       6.250          3,855.61
    CORONA           CA   92881          5            09/12/02         00
    0414924506                           05           11/01/02          0
    0414924506                           O            10/01/32
    0

    8057365          E22/G02             F          335,691.00         ZZ
                                         360        335,691.00          1
                                       6.375          2,094.28         90
                                       6.125          2,094.28
    CHULA VISTA      CA   91914          1            09/17/02         04
    0414943738                           05           11/01/02         30
    0414943738                           O            10/01/32
    0

    8057379          E22/G02             F          405,000.00         ZZ
                                         360        405,000.00          1
                                       6.625          2,593.26         78
                                       6.375          2,593.26
    HIGHLAND         MI   48356          2            09/17/02         00
    0414958835                           05           11/01/02          0
    0414958835                           O            10/01/32
    0
1

    8057415          G51/G02             F          331,500.00         ZZ
                                         360        331,500.00          1
                                       6.625          2,122.64         89
                                       6.375          2,122.64
    AURORA           CO   80015          5            09/18/02         04
    0434636924                           03           11/01/02         25
    20000750                             O            10/01/32
    0

    8057455          E45/G02             F          502,000.00         ZZ
                                         360        501,546.19          1
                                       6.500          3,172.98         77
                                       6.250          3,172.98
    MISSION VIEJO A  CA   92694          5            08/26/02         00
    0434639084                           03           10/01/02          0
    273142                               O            09/01/32
    0

    8057457          G51/G02             F           56,000.00         ZZ
                                         360         56,000.00          1
                                       7.750            401.19         80
                                       7.500            401.19
    HOLIDAY          FL   34691          1            09/12/02         00
    0434645669                           05           11/01/02          0
    25000551                             N            10/01/32
    0

    8057575          E45/G02             F          343,800.00         ZZ
                                         360        343,473.78          1
                                       6.250          2,116.84         90
                                       6.000          2,116.84
    ROME             GA   30161          1            09/04/02         11
    0434639001                           05           10/01/02         25
    276330                               O            09/01/32
    0

    8057771          Q51/G02             F          594,000.00         ZZ
                                         360        594,000.00          1
                                       6.625          3,803.45         75
                                       6.375          3,803.45
    SAN MARINO       CA   91108          1            09/06/02         00
    0434642708                           05           11/01/02          0
    0613051R2080206                      O            10/01/32
    0

    8057775          G34/G02             F          476,000.00         ZZ
                                         360        476,000.00          1
1

                                       6.375          2,969.62         80
                                       6.125          2,969.62
    BERKELEY         CA   94702          1            09/13/02         00
    0434646584                           29           11/01/02          0
    48200614                             O            10/01/32
    0

    8058225          P59/G02             F          312,750.00         ZZ
                                         360        312,750.00          1
                                       6.750          2,028.49         90
                                       6.500          2,028.49
    PALMDALE AREA    CA   93551          1            09/11/02         01
    0434630521                           05           11/01/02         25
    AT004370                             O            10/01/32
    0

    8058235          E77/G02             F          381,600.00         ZZ
                                         360        381,600.00          1
                                       6.500          2,411.97         80
                                       6.250          2,411.97
    MILLERSVILLE     MD   21108          1            09/12/02         00
    0434646907                           03           11/01/02          0
    1010002223                           O            10/01/32
    0

    8058291          U28/G02             F          192,000.00         ZZ
                                         360        192,000.00          1
                                       6.250          1,182.18         77
                                       6.000          1,182.18
    FUQUAY VARINA    NC   27526          2            09/17/02         00
    0434638680                           05           11/01/02          0
    2000005061                           O            10/01/32
    0

    8058463          W35/G02             F          150,800.00         ZZ
                                         240        150,800.00          1
                                       6.250          1,102.24         80
                                       6.000          1,102.24
    NORTH STREET     MI   48049          5            09/18/02         00
    0434638987                           05           11/01/02          0
    14136                                O            10/01/22
    0

    8058709          975/G02             F          570,000.00         ZZ
                                         360        570,000.00          1
                                       6.500          3,602.79         75
                                       6.250          3,602.79
    RANCHO CUCAMONG  CA   91737          1            09/04/02         00
    0434637153                           03           11/01/02          0
1

    2023248                              O            10/01/32
    0

    8058711          U36/G02             F          343,000.00         ZZ
                                         360        343,000.00          1
                                       6.125          2,084.10         78
                                       5.875          2,084.10
    ATLANTA          GA   30338          2            09/12/02         00
    0434638953                           03           11/01/02          0
    8187722002                           O            10/01/32
    0

    8058731          975/G02             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       6.375          2,146.11         80
                                       6.125          2,146.11
    FULLERTON        CA   92833          5            09/09/02         00
    0434635629                           03           11/01/02          0
    2023335                              O            10/01/32
    0

    8058747          116/116             F          395,250.00         ZZ
                                         360        395,250.00          1
                                       6.500          2,498.25         71
                                       6.250          2,498.25
    HOUSTON          TX   77024          2            09/09/02         00
    091022498                            05           11/01/02          0
    091022498                            O            10/01/32
    0

    8059431          E22/G02             F          382,500.00         ZZ
                                         360        382,500.00          1
                                       6.500          2,417.66         75
                                       6.250          2,417.66
    SAN DIEGO        CA   92122          2            09/13/02         00
    0414605675                           05           11/01/02          0
    0414605675                           O            10/01/32
    0

    8059499          E82/G02             F          188,300.00         ZZ
                                         360        188,300.00          4
                                       7.625          1,332.78         60
                                       7.375          1,332.78
    SEATTLE          WA   98106          2            09/23/02         00
    0400694626                           05           11/01/02          0
    2849072                              N            10/01/32
    0

1

    8059503          E82/G02             F          236,350.00         ZZ
                                         360        236,350.00          4
                                       7.625          1,672.87         77
                                       7.375          1,672.87
    SEATTLE          WA   98106          2            09/23/02         00
    0400694634                           05           11/01/02          0
    2849073                              N            10/01/32
    0

    8059543          E22/G02             F           89,000.00         ZZ
                                         360         89,000.00          1
                                       7.625            629.94         78
                                       7.375            629.94
    PRUDENVILLE      MI   48651          2            09/19/02         00
    0414815233                           05           11/01/02          0
    0414815233                           O            10/01/32
    0

    8059563          E22/G02             F          595,000.00         ZZ
                                         360        595,000.00          1
                                       6.500          3,760.80         75
                                       6.250          3,760.80
    BEVERLY HILLS    CA   90210          2            09/18/02         00
    0414845669                           01           11/01/02          0
    0414845669                           O            10/01/32
    0

    8059591          E22/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.625          3,201.55         50
                                       6.375          3,201.55
    KNIGHTSTEN       CA   94513          5            09/12/02         00
    0414868968                           05           11/01/02          0
    0414868968                           O            10/01/32
    0

    8059607          E22/G02             F           58,400.00         ZZ
                                         360         58,400.00          1
                                       7.750            418.38         80
                                       7.500            418.38
    PRAIRIEVILLE     LA   70769          1            09/24/02         00
    0414886515                           05           11/01/02          0
    0414886515                           N            10/01/32
    0

    8059613          E22/G02             F          458,000.00         ZZ
                                         360        458,000.00          1
                                       6.375          2,857.32         80
                                       6.125          2,857.32
1

    LOVELAND         CO   80537          5            09/19/02         00
    0414891861                           05           11/01/02          0
    0414891861                           O            10/01/32
    0

    8059641          E22/G02             F          462,750.00         ZZ
                                         360        462,750.00          1
                                       6.375          2,886.96         80
                                       6.125          2,886.96
    HOUSTON          TX   77027          2            09/19/02         00
    0414920090                           05           11/01/02          0
    0414920090                           O            10/01/32
    0

    8059645          E22/G02             F          370,000.00         ZZ
                                         360        370,000.00          1
                                       6.375          2,308.32         70
                                       6.125          2,308.32
    SAN FRANCISCO    CA   94116          1            09/16/02         00
    0414930206                           07           11/01/02          0
    0414930206                           O            10/01/32
    0

    8059655          E22/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.500          2,149.03         80
                                       6.250          2,149.03
    DALY CITY        CA   94015          1            09/18/02         00
    0414937748                           05           11/01/02          0
    0414937748                           O            10/01/32
    0

    8059659          E22/G02             F          102,000.00         ZZ
                                         360        102,000.00          1
                                       6.125            619.76         73
                                       5.875            619.76
    TURNER           OR   97392          2            09/17/02         00
    0414946426                           27           11/01/02          0
    0414946426                           O            10/01/32
    0

    8059663          E22/G02             F          218,400.00         ZZ
                                         360        218,400.00          1
                                       6.250          1,344.73         80
                                       6.000          1,344.73
    FORT COLLINS     CO   80526          1            09/24/02         00
    0414953588                           03           11/01/02          0
    0414953588                           O            10/01/32
    0
1

    8059677          E22/G02             F          396,000.00         ZZ
                                         360        396,000.00          1
                                       6.375          2,470.52         80
                                       6.125          2,470.52
    SCOTTS VALLEY    CA   95066          2            09/12/02         00
    0414967190                           05           11/01/02          0
    0414967190                           O            10/01/32
    0

    8059681          E22/G02             F          116,100.00         ZZ
                                         360        116,100.00          1
                                       7.625            821.75         90
                                       7.375            821.75
    ALLEN            TX   75013          1            09/24/02         04
    0414995134                           05           11/01/02         25
    0414995134                           N            10/01/32
    0

    8059815          Q31/G02             F          398,750.00         ZZ
                                         360        398,750.00          1
                                       6.750          2,586.29         84
                                       6.500          2,586.29
    WHITEHALL        MD   21161          2            09/17/02         10
    0434647293                           03           11/01/02         12
    MD15019                              O            10/01/32
    0

    8060297          U05/G02             F          328,500.00         ZZ
                                         360        328,500.00          1
                                       6.375          2,049.41         90
                                       6.125          2,049.41
    FULLERTON        CA   92835          1            09/17/02         10
    0434636288                           05           11/01/02         25
    3259227                              O            10/01/32
    0

    8060371          W39/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.625          2,561.24         57
                                       6.375          2,561.24
    BATON ROUGE      LA   70809          2            09/13/02         00
    0434679809                           05           11/01/02          0
    LA023125                             O            10/01/32
    0

    8060871          F25/G02             F          318,400.00         ZZ
                                         360        318,400.00          1
1

                                       7.375          2,199.11         80
                                       7.125          2,199.11
    PLEASANTVILLE    NY   10570          1            09/25/02         00
    0434646790                           09           11/01/02          0
    0575974                              O            10/01/32
    0

    8060881          X31/G02             F          496,000.00         ZZ
                                         360        496,000.00          1
                                       6.625          3,175.94         80
                                       6.375          3,175.94
    RANCHO SANTA MA  CA   92579          5            09/17/02         00
    0434647384                           05           11/01/02          0
    40103792                             O            10/01/32
    0

    8060901          R84/G02             F          414,100.00         ZZ
                                         360        414,100.00          1
                                       6.625          2,651.53         79
                                       6.375          2,651.53
    BELLAIRE         TX   77401          5            09/23/02         00
    0434701496                           05           11/01/02          0
    0610534                              O            10/01/32
    0

    8060941          883/G02             F          399,999.00         ZZ
                                         360        399,999.00          1
                                       7.625          2,831.17         77
                                       7.375          2,831.17
    LITHIA           FL   33547          2            09/12/02         00
    0434685475                           03           11/01/02          0
    05013477                             O            10/01/32
    0

    8061219          W17/G02             F          112,100.00         ZZ
                                         360        112,100.00          1
                                       7.750            803.10         95
                                       7.500            803.10
    FORT LAUDERALE   FL   33311          1            09/19/02         01
    0434642633                           05           11/01/02         30
    020217                               O            10/01/32
    0

    8061697          Q31/G02             F          442,500.00         ZZ
                                         360        442,500.00          1
                                       6.375          2,760.63         80
                                       6.125          2,760.63
    VISTA            CA   92084          5            09/21/02         00
    0434656708                           05           11/01/02          0
1

    SD863062                             O            10/01/32
    0

    8061731          R65/G02             F          274,320.00         ZZ
                                         360        274,320.00          1
                                       6.250          1,689.04         90
                                       6.000          1,689.04
    OWENSBORO        KY   42303          5            09/11/02         01
    0434647913                           05           11/01/02         25
    416600004166428                      O            10/01/32
    0

    8062281          E82/G02             F          470,000.00         ZZ
                                         360        470,000.00          1
                                       7.125          3,166.48         79
                                       6.875          3,166.48
    FOUNTAIN VALLEY  CA   92708          5            09/20/02         00
    0400662318                           05           11/01/02          0
    0400662318                           O            10/01/32
    0

    8062339          E45/G02             F          380,000.00         ZZ
                                         360        379,664.74          1
                                       6.625          2,433.18         80
                                       6.375          2,433.18
    IRVINE           CA   92604          5            08/26/02         00
    0434666095                           03           10/01/02          0
    259717                               O            09/01/32
    0

    8062727          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.375          2,495.48         76
                                       6.125          2,495.48
    LONG BEACH       CA   90803          5            09/19/02         00
    0414924563                           05           11/01/02          0
    0414924563                           O            10/01/32
    0

    8062785          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.750          2,594.39         79
                                       6.500          2,594.39
    LOS ANGELES      CA   91602          1            09/19/02         00
    0414980920                           01           11/01/02          0
    0414980920                           O            10/01/32
    0

1

    8062851          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          2
                                       7.750            630.44         80
                                       7.500            630.44
    POMPANO BEACH    FL   33062          1            09/25/02         00
    0414725069                           05           11/01/02          0
    0414725069                           N            10/01/32
    0

    8062853          E22/G02             F          356,500.00         ZZ
                                         360        356,500.00          1
                                       6.625          2,282.71         72
                                       6.375          2,282.71
    DURHAM           CA   95938          2            09/12/02         00
    0414725481                           05           11/01/02          0
    0414725481                           O            10/01/32
    0

    8062857          E22/G02             F          504,000.00         ZZ
                                         360        504,000.00          1
                                       6.625          3,227.17         80
                                       6.375          3,227.17
    AUBURN           WA   98092          5            09/19/02         00
    0414739276                           05           11/01/02          0
    0414739276                           O            10/01/32
    0

    8062871          E22/G02             F           46,800.00         ZZ
                                         360         46,800.00          1
                                       7.875            339.33         90
                                       7.625            339.33
    GAUTIER          MS   39553          2            09/25/02         01
    0414759191                           05           11/01/02         25
    0414759191                           N            10/01/32
    0

    8062887          E22/G02             F          371,000.00         ZZ
                                         360        371,000.00          1
                                       6.250          2,284.31         75
                                       6.000          2,284.31
    MISSION VIEJO    CA   92692          5            09/17/02         00
    0414781518                           05           11/01/02          0
    0414781518                           O            10/01/32
    0

    8063035          B43/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.500          2,528.27         78
                                       6.250          2,528.27
1

    UPLAND AREA      CA   91784          5            09/12/02         00
    0434648184                           05           11/01/02          0
    28112                                O            10/01/32
    0

    8063833          E45/G02             F          316,000.00         ZZ
                                         360        316,000.00          1
                                       6.875          2,075.90         80
                                       6.625          2,075.90
    NEW ALBANY       OH   43054          5            09/11/02         00
    0434663027                           05           11/01/02          0
    276809                               O            10/01/32
    0

    8064417          X51/G02             F          345,000.00         ZZ
                                         360        345,000.00          1
                                       6.500          2,180.63         71
                                       6.250          2,180.63
    LAGUNA NIGUEL    CA   92677          5            09/11/02         00
    0434688255                           03           11/01/02          0
    R2053657                             O            10/01/32
    0

    8065129          E82/G02             F          133,500.00         ZZ
                                         360        133,500.00          1
                                       6.250            821.98         59
                                       6.000            821.98
    SAVAGE           MN   55378          2            09/25/02         00
    0400700787                           05           11/01/02          0
    1875539                              O            10/01/32
    0

    8065133          E82/G02             F          456,500.00         ZZ
                                         360        456,500.00          1
                                       6.875          2,998.88         78
                                       6.625          2,998.88
    SIMI VALLEY      CA   93065          5            09/25/02         00
    0400697462                           03           11/01/02          0
    0400697462                           O            10/01/32
    0

    8065313          E82/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       7.000          2,661.21         67
                                       6.750          2,661.21
    NICOMA PARK      OK   73066          5            09/20/02         00
    0400666087                           05           11/01/02          0
    0400666087                           O            10/01/32
    0
1

    8065525          420/G02             F          318,000.00         ZZ
                                         360        318,000.00          1
                                       6.750          2,062.54         77
                                       6.500          2,062.54
    ROHNERT PARK     CA   94928          5            08/30/02         00
    0434652830                           05           11/01/02          0
    72002270                             O            10/01/32
    0

    8065911          E22/G02             F          318,000.00         ZZ
                                         360        318,000.00          1
                                       6.500          2,009.98         80
                                       6.250          2,009.98
    MATAWAN          NJ   07747          1            09/26/02         00
    0414608778                           05           11/01/02          0
    0414608778                           O            10/01/32
    0

    8065927          E22/G02             F          101,500.00         ZZ
                                         360        101,500.00          1
                                       7.625            718.41         80
                                       7.375            718.41
    RIDGELAND        MS   39157          1            09/12/02         00
    0414678573                           01           11/01/02          0
    0414678573                           N            10/01/32
    0

    8065953          E22/G02             F          559,500.00         ZZ
                                         360        559,500.00          2
                                       6.500          3,536.42         70
                                       6.250          3,536.42
    BURLINGAME       CA   94010          5            09/16/02         00
    0414774125                           05           11/01/02          0
    0414774125                           O            10/01/32
    0

    8065957          E22/G02             F          358,000.00         T
                                         360        358,000.00          1
                                       6.875          2,351.81         57
                                       6.625          2,351.81
    BIG SKY          MT   59716          2            09/26/02         00
    0414792564                           22           11/01/02          0
    0414792564                           O            10/01/32
    0

    8065973          E22/G02             F          330,000.00         ZZ
                                         360        330,000.00          1
1

                                       6.250          2,031.87         66
                                       6.000          2,031.87
    CHINO HILLS      CA   91709          2            09/19/02         00
    0414819292                           05           11/01/02          0
    0414819292                           O            10/01/32
    0

    8066181          U05/G02             F          307,500.00         ZZ
                                         360        307,500.00          1
                                       6.750          1,994.44         75
                                       6.500          1,994.44
    GRANTS PASS      OR   97527          5            09/16/02         00
    0434665121                           05           11/01/02          0
    3259061                              O            10/01/32
    0

    8066213          U87/G02             F          342,400.00         ZZ
                                         360        342,400.00          1
                                       6.625          2,192.42         80
                                       6.375          2,192.42
    WESTMINSTER      CA   92683          5            09/25/02         00
    0434709630                           05           11/01/02          0
    4007                                 O            10/01/32
    0

    8066389          H76/G02             F           48,750.00         ZZ
                                         360         48,716.44          1
                                       7.875            353.48         75
                                       7.625            353.48
    SALISBURY        MD   21804          5            08/26/02         00
    0434639522                           05           10/01/02          0
    2002440675                           N            09/01/32
    0

    8066495          H76/G02             F           88,500.00         ZZ
                                         360         88,500.00          1
                                       7.750            634.03         78
                                       7.500            634.03
    DELAND           FL   32720          2            09/14/02         00
    0434639449                           05           11/01/02          0
    2002444059                           N            10/01/32
    0

    8066623          E22/G02             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       6.375          2,745.03         80
                                       6.125          2,745.03
    SAN FRANCISCO    CA   94116          1            09/20/02         00
    0414890905                           05           11/01/02          0
1

    0414890905                           O            10/01/32
    0

    8066703          E22/G02             F          445,000.00         ZZ
                                         360        445,000.00          1
                                       6.375          2,776.22         79
                                       6.125          2,776.22
    SAN RAMON        CA   94583          5            09/16/02         00
    0414954420                           03           11/01/02          0
    0414954420                           O            10/01/32
    0

    8066815          N47/G02             F          469,700.00         ZZ
                                         360        469,700.00          1
                                       6.625          3,007.54         70
                                       6.375          3,007.54
    SAN RAMON        CA   94583          5            09/18/02         00
    0434683678                           03           11/01/02          0
    20221586                             O            10/01/32
    0

    8067021          B44/G02             F          370,000.00         T
                                         360        370,000.00          1
                                       6.750          2,399.81         73
                                       6.500          2,399.81
    PACIFIC GROVE    CA   93950          1            09/10/02         00
    0434660759                           05           11/01/02          0
    3020507                              O            10/01/32
    0

    8067055          M24/G02             F          547,500.00         ZZ
                                         360        547,500.00          1
                                       6.625          3,505.70         80
                                       6.375          3,505.70
    SAN JOSE         CA   95132          2            09/18/02         00
    0434725008                           05           11/01/02          0
    223BOOMERSHINE                       O            10/01/32
    0

    8067109          A35/G02             F          445,000.00         ZZ
                                         360        445,000.00          1
                                       6.500          2,812.70         75
                                       6.250          2,812.70
    BRIGHTWATERS     NY   11718          5            09/19/02         00
    0434664389                           05           11/01/02          0
    13914                                O            10/01/32
    0

1

    8067139          X08/G02             F           75,000.00         ZZ
                                         360         75,000.00          1
                                       6.250            461.79         75
                                       6.000            461.79
    PROVO            UT   84601          2            09/12/02         00
    0434659892                           01           11/01/02          0
    6012733                              N            10/01/32
    0

    8067155          P44/G02             F          530,000.00         ZZ
                                         360        530,000.00          1
                                       6.375          3,306.51         67
                                       6.125          3,306.51
    BARNSTABLE       MA   02655          5            09/23/02         00
    0434665246                           05           11/01/02          0
    1                                    O            10/01/32
    0

    8067223          W35/G02             F          190,760.00         ZZ
                                         360        190,760.00          1
                                       6.125          1,159.08         80
                                       5.875          1,159.08
    CARMEL           IN   46033          2            09/16/02         00
    0434664439                           05           11/01/02          0
    13378                                O            10/01/32
    0

    8068819          601/G02             F          305,100.00         ZZ
                                         360        304,817.41          1
                                       6.375          1,903.43         90
                                       6.125          1,903.43
    ALBANY           OR   97321          1            08/10/02         14
    0434643706                           05           10/01/02         25
    18767327                             O            09/01/32
    0

    8069027          E22/G02             F          333,600.00         ZZ
                                         360        333,600.00          1
                                       6.250          2,054.03         80
                                       6.000          2,054.03
    AUSTIN           TX   78759          5            09/23/02         00
    0414299438                           05           11/01/02          0
    0414299438                           O            10/01/32
    0

    8069075          E22/G02             F          520,000.00         ZZ
                                         360        520,000.00          1
                                       6.375          3,244.12         80
                                       6.125          3,244.12
1

    BIRMINGHAM       AL   35242          1            09/27/02         00
    0414712935                           03           11/01/02          0
    0414712935                           O            10/01/32
    0

    8069181          E22/G02             F          368,000.00         ZZ
                                         360        368,000.00          1
                                       7.125          2,479.28         80
                                       6.875          2,479.28
    WASHINGTON       DC   20001          5            09/23/02         00
    0414895441                           07           11/01/02          0
    0414895441                           O            10/01/32
    0

    8069221          E22/G02             F          126,000.00         ZZ
                                         360        126,000.00          2
                                       7.875            913.59         90
                                       7.625            913.59
    LAWRENCEVILLE    GA   30045          1            09/27/02         01
    0414927194                           05           11/01/02         25
    0414927194                           N            10/01/32
    0

    8069277          E22/G02             F          194,000.00         ZZ
                                         360        194,000.00          1
                                       7.625          1,373.12         80
                                       7.375          1,373.12
    COLORADO SPRING  CO   80921          1            09/27/02         00
    0414975631                           09           11/01/02          0
    0414975631                           N            10/01/32
    0

    8069289          E22/G02             F          110,500.00         ZZ
                                         360        110,500.00          1
                                       6.000            662.50         90
                                       5.750            662.50
    FORTVILLE        IN   46040          2            09/23/02         11
    0414980789                           05           11/01/02         25
    0414980789                           O            10/01/32
    0

    8069301          E22/G02             F           57,000.00         ZZ
                                         360         57,000.00          1
                                       7.875            413.29         43
                                       7.625            413.29
    FREELAND         MI   48623          5            09/27/02         00
    0414988857                           05           11/01/02          0
    0414988857                           N            10/01/32
    0
1

    8069307          E22/G02             F           85,000.00         ZZ
                                         360         85,000.00          1
                                       6.250            523.36         77
                                       6.000            523.36
    WRAY             CO   80758          5            09/23/02         00
    0414771618                           05           11/01/02          0
    0414771618                           O            10/01/32
    0

    8069611          L76/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.125          1,701.31         80
                                       5.875          1,701.31
    SAVAGE           MN   55378          5            09/23/02         00
    0434658787                           05           11/01/02          0
    991222                               O            10/01/32
    0

    8070125          M24/G02             F          376,000.00         ZZ
                                         360        376,000.00          1
                                       6.500          2,376.58         80
                                       6.250          2,376.58
    LADERA RANCH     CA   92694          2            09/03/02         00
    0434670774                           03           11/01/02          0
    288205453                            O            10/01/32
    0

    8070151          U05/G02             F          384,000.00         ZZ
                                         360        384,000.00          1
                                       6.250          2,364.35         80
                                       6.000          2,364.35
    THOUSAND OAKS    CA   91360          2            09/17/02         00
    0434671517                           05           11/01/02          0
    3255704                              O            10/01/32
    0

    8070353          W40/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.750            773.73        100
                                       7.500            773.73
    WARREN           MI   48091          1            09/16/02         01
    0434653267                           05           11/01/02         35
    101011162                            O            10/01/32
    0

    8070491          N47/G02             F          332,000.00         ZZ
                                         360        332,000.00          1
1

                                       6.750          2,153.35         74
                                       6.500          2,153.35
    NEWARK           CA   94560          5            09/13/02         00
    0434664181                           05           11/01/02          0
    20321230                             O            10/01/32
    0

    8070621          944/G02             F          322,500.00         ZZ
                                         360        322,500.00          1
                                       6.375          2,011.99         75
                                       6.125          2,011.99
    SAN JOSE         CA   95128          2            09/12/02         00
    0434649927                           05           11/01/02          0
    W02029680                            O            10/01/32
    0

    8070659          N47/G02             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.750          2,270.09         64
                                       6.500          2,270.09
    GILROY           CA   95020          5            09/16/02         00
    0434683652                           05           11/01/02          0
    20321177                             O            10/01/32
    0

    8070673          M27/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.750          2,075.51         78
                                       6.500          2,075.51
    BRENTWOOD        TN   37027          5            09/16/02         00
    0434685921                           05           11/01/02          0
    5000089013                           O            10/01/32
    0

    8072621          E22/G02             F          312,000.00         ZZ
                                         360        312,000.00          1
                                       6.750          2,023.63         80
                                       6.500          2,023.63
    HUNTINGTON BEAC  CA   92647          2            09/11/02         00
    0414437228                           05           11/01/02          0
    0414437228                           O            10/01/32
    0

    8072643          E22/G02             F           81,600.00         ZZ
                                         360         81,543.84          1
                                       7.875            591.66         80
                                       7.625            591.66
    FERNDALE         MI   48220          1            08/29/02         00
    0414591859                           05           10/01/02          0
1

    0414591859                           N            09/01/32
    0

    8072657          E22/G02             F          148,000.00         ZZ
                                         360        148,000.00          1
                                       6.250            911.26         80
                                       6.000            911.26
    THORNTON         CO   80229          5            09/24/02         00
    0414672600                           05           11/01/02          0
    0414672600                           O            10/01/32
    0

    8072665          E22/G02             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.500          2,370.26         35
                                       6.250          2,370.26
    SEATTLE          WA   98121          5            09/19/02         00
    0414691410                           08           11/01/02          0
    0414691410                           O            10/01/32
    0

    8072677          E22/G02             F          348,000.00         ZZ
                                         360        348,000.00          1
                                       6.375          2,171.07         80
                                       6.125          2,171.07
    SOUTHLAKE        TX   76092          2            09/24/02         00
    0414708917                           03           11/01/02          0
    0414708917                           O            10/01/32
    0

    8072695          E22/G02             F          155,700.00         ZZ
                                         360        155,700.00          1
                                       7.875          1,128.93         90
                                       7.625          1,128.93
    ROSELLE          NJ   07203          1            09/30/02         04
    0414729731                           05           11/01/02         30
    0414729731                           O            10/01/32
    0

    8072697          E22/G02             F          378,300.00         ZZ
                                         240        378,300.00          1
                                       6.500          2,820.50         80
                                       6.250          2,820.50
    TOMBALL          TX   77375          2            09/25/02         00
    0414730028                           05           11/01/02          0
    0414730028                           O            10/01/22
    0

1

    8072723          E22/G02             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.750          2,270.09         59
                                       6.500          2,270.09
    NEVADA CITY      CA   95959          5            09/17/02         00
    0414760033                           05           11/01/02          0
    0414760033                           O            10/01/32
    0

    8072859          E22/G02             F          318,500.00         ZZ
                                         360        318,500.00          1
                                       7.000          2,118.99         75
                                       6.750          2,118.99
    ROUND ROCK       TX   78681          2            09/30/02         00
    0414829051                           05           11/01/02          0
    0414829051                           N            10/01/32
    0

    8072865          E22/G02             F          456,500.00         ZZ
                                         360        456,500.00          1
                                       6.625          2,923.02         68
                                       6.375          2,923.02
    SAN JOSE         CA   95123          2            09/24/02         00
    0414832717                           05           11/01/02          0
    0414832717                           O            10/01/32
    0

    8072921          E22/G02             F          540,000.00         ZZ
                                         360        540,000.00          1
                                       6.375          3,368.90         77
                                       6.125          3,368.90
    FORT COLLINS     CO   80528          2            09/24/02         00
    0414853788                           03           11/01/02          0
    0414853788                           O            10/01/32
    0

    8072933          E22/G02             F          486,000.00         ZZ
                                         360        486,000.00          1
                                       6.500          3,071.85         60
                                       6.250          3,071.85
    SAN FRANCISCO    CA   94122          1            09/13/02         00
    0414860353                           05           11/01/02          0
    0414860353                           N            10/01/32
    0

    8072963          E22/G02             F          106,300.00         ZZ
                                         360        106,300.00          1
                                       6.125            645.89         85
                                       5.875            645.89
1

    CARTERSVILLE     GA   30120          2            09/25/02         01
    0414874057                           05           11/01/02         12
    0414874057                           O            10/01/32
    0

    8073029          E22/G02             F          600,000.00         ZZ
                                         360        600,000.00          1
                                       6.750          3,891.59         75
                                       6.500          3,891.59
    ARCADIA          CA   91006          5            09/23/02         00
    0414892570                           05           11/01/02          0
    0414892570                           O            10/01/32
    0

    8073047          E22/G02             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       6.500          1,991.01         70
                                       6.250          1,991.01
    DESTIN           FL   32550          2            09/25/02         00
    0414899096                           05           11/01/02          0
    0414899096                           O            10/01/32
    0

    8073101          E22/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.250          2,093.44         80
                                       6.000          2,093.44
    SANDY            UT   84094          5            09/24/02         00
    0414918706                           05           11/01/02          0
    0414918706                           O            10/01/32
    0

    8073115          E22/G02             F          329,000.00         ZZ
                                         360        329,000.00          1
                                       6.500          2,079.50         76
                                       6.250          2,079.50
    LA(NORTHRIDGE)   CA   91326          5            09/18/02         00
    0414920827                           05           11/01/02          0
    0414920827                           O            10/01/32
    0

    8073165          E22/G02             F           36,800.00         ZZ
                                         360         36,800.00          1
                                       7.875            266.83         80
                                       7.625            266.83
    ANNISTON         AL   36206          1            09/30/02         00
    0414933234                           07           11/01/02          0
    0414933234                           N            10/01/32
    0
1

    8073203          E22/G02             F          424,000.00         T
                                         360        424,000.00          1
                                       6.375          2,645.21         80
                                       6.125          2,645.21
    PORTLAND         OR   97210          1            09/19/02         00
    0414940379                           05           11/01/02          0
    0414940379                           O            10/01/32
    0

    8073229          E22/G02             F          398,400.00         ZZ
                                         360        398,400.00          1
                                       6.625          2,551.00         80
                                       6.375          2,551.00
    MIAMI            FL   33157          5            09/25/02         00
    0414947028                           05           11/01/02          0
    0414947028                           O            10/01/32
    0

    8073253          E22/G02             F          322,000.00         ZZ
                                         360        322,000.00          1
                                       6.500          2,035.26         70
                                       6.250          2,035.26
    FAIRFAX          CA   94930          1            09/20/02         00
    0414956177                           05           11/01/02          0
    0414956177                           N            10/01/32
    0

    8073323          E22/G02             F          324,000.00         ZZ
                                         360        324,000.00          1
                                       6.375          2,021.34         80
                                       6.125          2,021.34
    MASSAPEQUA       NY   11762          5            09/24/02         00
    0414968156                           05           11/01/02          0
    0414968156                           O            10/01/32
    0

    8073475          E22/G02             F          213,644.00         ZZ
                                         360        213,644.00          1
                                       6.250          1,315.44         88
                                       6.000          1,315.44
    LEHI             UT   84043          2            09/19/02         04
    0415018837                           05           11/01/02         25
    0415018837                           O            10/01/32
    0

    8073499          E22/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
1

                                       6.375          2,370.71         80
                                       6.125          2,370.71
    SAN JOSE         CA   95127          2            09/25/02         00
    0415038124                           05           11/01/02          0
    0415038124                           O            10/01/32
    0

    8073657          E11/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.250          2,462.87         80
                                       6.000          2,462.87
    MINNEAPOLIS      MN   55405          1            09/25/02         00
    0434669966                           05           11/01/02          0
    3147218                              O            10/01/32
    0

    8073661          X67/G02             F          415,831.00         ZZ
                                         360        415,831.00          1
                                       6.375          2,594.24         70
                                       6.125          2,594.24
    LOS ANGELES      CA   90034          1            09/20/02         00
    0434687679                           05           11/01/02          0
    00269909                             O            10/01/32
    0

    8073785          Q87/G02             F           42,000.00         ZZ
                                         360         42,000.00          1
                                       6.000            251.81         56
                                       5.750            251.81
    MOBILE           AL   36606          1            09/27/02         00
    0434679288                           05           11/01/02          0
    HAWI01                               O            10/01/32
    0

    8073899          144/144             F          438,400.00         ZZ
                                         360        438,400.00          1
                                       6.375          2,735.05         80
                                       6.125          2,735.05
    NEW PALTZ        NY   12561          5            09/19/02         00
    160698019                            05           11/01/02          0
    160698019                            O            10/01/32
    0

    8073937          U05/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.500          2,022.62         80
                                       6.250          2,022.62
    WEST HILLS       CA   91304          5            09/19/02         00
    0434712139                           05           11/01/02          0
1

    3260398                              O            10/01/32
    0

    8074223          U05/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.750          2,594.39         80
                                       6.500          2,594.39
    LAGO VISTA       TX   78645          5            09/23/02         00
    0434674131                           05           11/01/02          0
    3260563                              O            10/01/32
    0

    8074231          F97/F97             F          368,000.00         ZZ
                                         360        367,683.16          1
                                       6.750          2,386.84         80
                                       6.500          2,386.84
    NORTHBROOK       IL   60062          5            08/05/02         00
    2000466665                           05           10/01/02          0
    2000466665                           O            09/01/32
    0

    8074237          P44/G02             F          433,000.00         ZZ
                                         360        433,000.00          2
                                       6.625          2,772.55         69
                                       6.375          2,772.55
    NANTUCKET        MA   02554          2            09/20/02         00
    0434698155                           05           11/01/02          0
    0011988                              O            10/01/32
    0

    8074247          N74/G02             F          224,000.00         ZZ
                                         360        223,787.46          1
                                       6.250          1,379.21         80
                                       6.000          1,379.21
    HERNDON          VA   20170          5            09/23/02         00
    0434650867                           05           10/27/02          0
    0030760010                           O            09/27/32
    0

    8074751          N74/G02             F           77,000.00         ZZ
                                         240         77,000.00          1
                                       6.125            557.22         79
                                       5.875            557.22
    ARCHDALE         NC   27263          5            09/25/02         00
    0434656765                           05           11/01/02          0
    0030776010                           O            10/01/22
    0

1

    8074789          N74/G02             F           92,300.00         ZZ
                                         360         92,300.00          1
                                       6.250            568.31         74
                                       6.000            568.31
    MCALESTER        OK   74501          2            09/24/02         00
    0434660874                           05           11/01/02          0
    0030775010                           O            10/01/32
    0

    8075485          E22/G02             F          102,400.00         ZZ
                                         360        102,400.00          2
                                       7.750            733.61         80
                                       7.500            733.61
    NEW HAVEN        CT   06511          5            10/01/02         00
    0414706093                           05           11/01/02          0
    0414706093                           N            10/01/32
    0

    8075563          E22/G02             F          350,400.00         ZZ
                                         360        350,400.00          1
                                       6.375          2,186.04         80
                                       6.125          2,186.04
    SAN FRANCISCO    CA   94116          1            09/23/02         00
    0414890657                           05           11/01/02          0
    0414890657                           O            10/01/32
    0

    8075609          E22/G02             F          382,000.00         ZZ
                                         360        382,000.00          1
                                       6.375          2,383.18         78
                                       6.125          2,383.18
    ROCKLIN          CA   95677          2            09/19/02         00
    0414953679                           05           11/01/02          0
    0414953679                           O            10/01/32
    0

    8076151          950/G02             F          268,000.00         ZZ
                                         360        267,745.71          1
                                       6.250          1,650.12         80
                                       6.000          1,650.12
    TIGARD           OR   97223          1            08/27/02         00
    0434702452                           05           10/01/02          0
    Y6208010                             O            09/01/32
    0

    8076207          U05/G02             F          344,500.00         ZZ
                                         360        344,500.00          1
                                       6.750          2,234.42         60
                                       6.500          2,234.42
1

    NORTH HOLLYWOOD  CA   91602          2            09/20/02         00
    0434655015                           05           11/01/02          0
    3260276                              N            10/01/32
    0

    8076665          K39/G02             F           78,400.00         ZZ
                                         360         78,344.66          1
                                       7.750            561.67         80
                                       7.500            561.67
    ATLANTA          GA   30318          5            09/17/02         00
    0434663381                           05           10/23/02          0
    417545614                            O            09/23/32
    0

    8076731          N47/G02             F          392,000.00         T
                                         360        392,000.00          1
                                       6.750          2,542.50         68
                                       6.500          2,542.50
    SANTA BARBARA    CA   93108          5            09/18/02         00
    0434665071                           01           11/01/02          0
    20620030                             O            10/01/32
    0

    8077093          944/G02             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.375          2,183.55         79
                                       6.125          2,183.55
    HOLLISTER        CA   95023          5            09/13/02         00
    0434668042                           05           11/01/02          0
    R00092291                            O            10/01/32
    0

    8077207          M24/G02             F          365,750.00         ZZ
                                         360        365,750.00          1
                                       6.750          2,372.25         95
                                       6.500          2,372.25
    GARDEN GROVE     CA   92840          1            09/17/02         14
    0434687398                           05           11/01/02         30
    288105546                            O            10/01/32
    0

    8077855          X67/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.500          2,275.44         66
                                       6.250          2,275.44
    VENICE AREA      CA   90291          5            09/19/02         00
    0434678777                           05           11/01/02          0
    270000                               O            10/01/32
    0
1

    8078543          E82/G02             F          343,200.00         ZZ
                                         360        343,200.00          1
                                       6.500          2,169.26         80
                                       6.250          2,169.26
    SIERRA MADRE     CA   91024          2            09/26/02         00
    0400696209                           05           11/01/02          0
    4196981                              O            10/01/32
    0

    8078591          M24/G02             F          308,300.00         ZZ
                                         360        308,300.00          1
                                       6.375          1,923.39         73
                                       6.125          1,923.39
    SACRAMENTO       CA   95818          5            09/20/02         00
    0434666392                           05           11/01/02          0
    253104915                            O            10/01/32
    0

    8078679          E22/G02             F           55,250.00         ZZ
                                         360         55,250.00          1
                                       7.875            400.60         73
                                       7.625            400.60
    GREENVILLE       SC   29611          2            10/02/02         00
    0414527986                           05           11/01/02          0
    0414527986                           N            10/01/32
    0

    8078701          E22/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.250          2,216.58         74
                                       6.000          2,216.58
    PLYMOUTH         MN   55446          5            09/27/02         00
    0414729244                           05           11/01/02          0
    0414729244                           O            10/01/32
    0

    8078731          E22/G02             F          341,000.00         ZZ
                                         360        341,000.00          1
                                       6.250          2,099.60         57
                                       6.000          2,099.60
    LIVERMORE        CA   94551          2            09/24/02         00
    0414830463                           05           11/01/02          0
    0414830463                           O            10/01/32
    0

    8078855          E22/G02             F          385,000.00         ZZ
                                         360        385,000.00          1
1

                                       6.500          2,433.46         49
                                       6.250          2,433.46
    PALO ALTO        CA   94306          5            09/24/02         00
    0414937516                           05           11/01/02          0
    0414937516                           O            10/01/32
    0

    8078889          E22/G02             F          414,250.00         ZZ
                                         360        414,250.00          1
                                       6.375          2,584.38         72
                                       6.125          2,584.38
    LIVERMORE        CA   94550          2            09/18/02         00
    0414954479                           05           11/01/02          0
    0414954479                           O            10/01/32
    0

    8078929          E22/G02             F           45,500.00         ZZ
                                         360         45,500.00          1
                                       7.875            329.91         74
                                       7.625            329.91
    GREENVILLE       SC   29611          2            10/02/02         00
    0415001650                           05           11/01/02          0
    0415001650                           N            10/01/32
    0

    8078965          E22/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.625          2,305.12         80
                                       6.375          2,305.12
    WEST BLOOMFIELD  MI   48323          5            09/27/02         00
    0415027838                           05           11/01/02          0
    0415027838                           O            10/01/32
    0

    8078967          E22/G02             F          370,600.00         ZZ
                                         360        370,600.00          1
                                       7.250          2,528.15         80
                                       7.000          2,528.15
    BELLEVUE         WA   98008          2            09/27/02         00
    0415031087                           05           11/01/02          0
    0415031087                           O            10/01/32
    0

    8078971          E22/G02             F          356,000.00         ZZ
                                         360        356,000.00          1
                                       7.375          2,458.80         51
                                       7.125          2,458.80
    LAKE FOREST      IL   60045          5            10/02/02         00
    0415032267                           05           11/01/02          0
1

    0415032267                           N            10/01/32
    0

    8079017          E22/G02             F          425,000.00         ZZ
                                         360        425,000.00          1
                                       6.375          2,651.45         79
                                       6.125          2,651.45
    WESTFIELD        NJ   07090          5            09/27/02         00
    0415077866                           05           11/01/02          0
    0415077866                           O            10/01/32
    0

    8079079          G34/G02             F          430,000.00         ZZ
                                         360        430,000.00          1
                                       6.500          2,717.89         77
                                       6.250          2,717.89
    HUNTINGTON BEAC  CA   92648          2            09/17/02         00
    0434676623                           05           11/01/02          0
    42900458                             O            10/01/32
    0

    8079531          L49/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.625          2,561.25         75
                                       6.375          2,561.25
    SAN CLEMENTE     CA   92673          1            09/01/02         00
    0434688875                           05           11/01/02          0
    10010082                             O            10/01/32
    0

    8080189          K15/G02             F          229,500.00         ZZ
                                         360        229,500.00          1
                                       7.625          1,624.39         90
                                       7.375          1,624.39
    LEVITTOWN        NY   11756          5            09/24/02         41
    0434665816                           05           11/01/02         25
    021205303115                         O            10/01/32
    0

    8080225          X51/G02             F          505,000.00         ZZ
                                         360        505,000.00          1
                                       6.950          3,342.84         77
                                       6.700          3,342.84
    OAKLAND          CA   94619          5            09/13/02         00
    0434686184                           05           11/01/02          0
    1                                    O            10/01/32
    0

1

    8080347          E33/G02             F          600,000.00         ZZ
                                         360        600,000.00          1
                                       6.500          3,792.41         80
                                       6.250          3,792.41
    PARK RIDGE       IL   60068          1            10/01/02         00
    0434710927                           05           11/01/02          0
    RICHSC                               O            10/01/32
    0

    8080903          X05/G02             F          650,000.00         ZZ
                                         360        649,467.20          1
                                       7.000          4,324.47         75
                                       6.750          4,324.47
    SAN DIEGO        CA   92106          2            08/07/02         00
    0434694238                           05           10/01/02          0
    01208020                             O            09/01/32
    0

    8080931          L49/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.625          4,162.03         73
                                       6.375          4,162.03
    COTO DE CAZA     CA   92679          5            09/04/02         00
    0434662532                           03           11/01/02          0
    10010918                             O            10/01/32
    0

    8081357          F89/G02             F          358,000.00         ZZ
                                         360        358,000.00          1
                                       6.250          2,204.27         57
                                       6.000          2,204.27
    LA VERNE         CA   91750          1            09/23/02         00
    0434663530                           05           11/01/02          0
    19023511                             O            10/01/32
    0

    8081403          S11/G02             F          372,000.00         ZZ
                                         360        372,000.00          1
                                       6.375          2,320.80         80
                                       6.125          2,320.80
    FOUNTAIN VALLEY  CA   92708          5            09/26/02         00
    0434671020                           05           11/01/02          0
    10209081                             O            10/01/32
    0

    8081449          225/G02             F          495,500.00         ZZ
                                         360        495,052.06          1
                                       6.500          3,131.90         80
                                       6.250          3,131.90
1

    WHITE BEAR LAKE  MN   55110          5            08/16/02         00
    0434655080                           05           10/01/02          0
    006208747                            O            09/01/32
    0

    8081483          225/G02             F          555,000.00         ZZ
                                         240        555,000.00          1
                                       6.500          4,137.93         75
                                       6.250          4,137.93
    MADEIRA BEACH    FL   33708          5            08/27/02         00
    0434678918                           05           11/01/02          0
    006594568                            O            10/01/22
    0

    8081531          225/G02             F          325,000.00         ZZ
                                         360        324,526.96          1
                                       6.875          2,135.02         59
                                       6.625          2,135.02
    MONROE           CT   06468          5            08/16/02         00
    0434655114                           05           10/01/02          0
    006597713                            O            09/01/32
    0

    8081537          225/G02             F          410,000.00         ZZ
                                         360        409,647.00          1
                                       6.750          2,659.25         49
                                       6.500          2,659.25
    CORNELIUS        NC   28031          2            08/16/02         00
    0434653234                           05           10/01/02          0
    006597942                            O            09/01/32
    0

    8081553          K15/G02             F           81,700.00         ZZ
                                         360         81,700.00          1
                                       7.750            585.31         95
                                       7.500            585.31
    GRANTSVILLE      UT   84029          5            09/23/02         41
    0434678397                           05           11/01/02         30
    206805502621                         O            10/01/32
    0

    8081555          225/G02             F          720,000.00         ZZ
                                         360        720,000.00          1
                                       6.375          4,491.86         80
                                       6.125          4,491.86
    RICHMOND         VA   23226          2            09/03/02         00
    0434695219                           05           11/01/02          0
    006598540                            O            10/01/32
    0
1

    8081579          225/G02             F        1,000,000.00         ZZ
                                         360      1,000,000.00          1
                                       6.375          6,238.70         56
                                       6.125          6,238.70
    CHARLOTTE        NC   28211          2            09/13/02         00
    0434680492                           05           11/01/02          0
    006599603                            O            10/01/32
    0

    8081591          225/G02             F          412,500.00         ZZ
                                         360        412,500.00          1
                                       6.625          2,641.28         75
                                       6.375          2,641.28
    RUXTON           MD   21204          5            09/03/02         00
    0434677969                           05           11/01/02          0
    006710127                            O            10/01/32
    0

    8081607          225/G02             F          457,500.00         T
                                         360        457,076.27          1
                                       6.375          2,854.20         77
                                       6.125          2,854.20
    WRIGHTSVILLE BE  NC   28480          1            08/30/02         00
    0434674594                           01           10/01/02          0
    006714774                            O            09/01/32
    0

    8081615          225/G02             F          508,000.00         ZZ
                                         360        507,298.49          1
                                       7.875          3,683.36         80
                                       7.625          3,683.36
    KILDEER          IL   60047          1            07/24/02         00
    0434653861                           05           09/01/02          0
    007367717                            O            08/01/32
    0

    8081619          225/G02             F          355,500.00         ZZ
                                         360        354,683.48          1
                                       7.375          2,455.35         80
                                       7.125          2,455.35
    GLENVIEW         IL   60025          1            06/11/02         00
    0434655510                           05           08/01/02          0
    007375707                            O            07/01/32
    0

    8081627          225/G02             F          365,000.00         ZZ
                                         360        364,483.12          1
1

                                       7.750          2,614.90         80
                                       7.500          2,614.90
    SOPHIA           NC   27350          5            07/23/02         00
    0434653762                           05           09/01/02          0
    007382819                            O            08/01/32
    0

    8081631          225/G02             F          488,000.00         ZZ
                                         360        487,619.30          1
                                       7.250          3,329.03         80
                                       7.000          3,329.03
    CHICAGO          IL   60613          2            08/07/02         00
    0434655288                           05           10/01/02          0
    007383206                            O            09/01/32
    0

    8081681          225/G02             F          328,000.00         ZZ
                                         360        327,737.70          1
                                       7.125          2,209.80         80
                                       6.875          2,209.80
    TRABUCO CANYO    CA   92679          5            08/13/02         00
    0434655452                           03           10/01/02          0
    007390185                            O            09/01/32
    0

    8081697          225/G02             F          480,000.00         T
                                         360        479,566.07          1
                                       6.500          3,033.93         80
                                       6.250          3,033.93
    STRATTON         VT   05155          1            08/30/02         00
    0434670808                           01           10/01/02          0
    007393558                            O            09/01/32
    0

    8081739          225/G02             F          103,500.00         ZZ
                                         360        102,611.38          2
                                       8.000            759.45         90
                                       7.750            759.45
    PROVIDENCE       RI   02908          1            05/10/02         11
    0434655437                           05           07/01/02         25
    007366363                            N            06/01/32
    0

    8081751          225/G02             F          150,750.00         ZZ
                                         360        150,643.59          2
                                       7.750          1,080.00         90
                                       7.500          1,080.00
    WINTER PARK      FL   32789          1            08/15/02         10
    0434654901                           05           10/01/02         25
1

    007391522                            N            09/01/32
    0

    8081753          225/G02             F          135,000.00         ZZ
                                         360        134,902.28          2
                                       7.625            955.53         90
                                       7.375            955.53
    SAINT ALBANS     VT   05478          1            08/19/02         14
    0434655791                           05           10/01/02         25
    007389219                            N            09/01/32
    0

    8081757          225/G02             F          114,300.00         ZZ
                                         360        114,153.72          3
                                       8.250            858.70         90
                                       8.000            858.70
    PAWTUCKET        RI   02860          1            07/24/02         11
    0434655395                           05           09/01/02         25
    007369402                            N            08/01/32
    0

    8081759          225/G02             F          202,500.00         ZZ
                                         360        202,310.43          3
                                       7.625          1,433.29         90
                                       7.375          1,433.29
    WORCESTER        MA   01603          1            08/09/02         10
    0434653218                           05           10/01/02         25
    007380027                            N            09/01/32
    0

    8081763          225/G02             F          111,600.00         ZZ
                                         360        111,521.23          3
                                       7.750            799.52         90
                                       7.500            799.52
    HAMDEN           CT   06514          2            08/09/02         14
    0434653960                           05           10/01/02         25
    007384164                            N            09/01/32
    0

    8081837          Q57/G02             F          345,000.00         ZZ
                                         360        345,000.00          1
                                       6.875          2,266.40         70
                                       6.625          2,266.40
    DES PLAINES      IL   60018          1            09/24/02         00
    0434697686                           05           11/01/02          0
    36001251                             N            10/01/32
    0

1

    8082535          E11/G02             F          448,000.00         ZZ
                                         360        448,000.00          1
                                       6.375          2,794.94         80
                                       6.125          2,794.94
    HUDSON           WI   54016          5            09/27/02         00
    0434673075                           05           11/01/02          0
    1                                    O            10/01/32
    0

    8082557          F89/G02             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.375          2,196.02         64
                                       6.125          2,196.02
    GLENDORA         CA   91741          2            09/24/02         00
    0434678710                           05           11/01/02          0
    19023771                             O            10/01/32
    0

    8082563          X80/G02             F          410,000.00         T
                                         360        410,000.00          1
                                       6.375          2,557.87         80
                                       6.125          2,557.87
    SAN DIEGO        CA   92106          1            09/18/02         00
    0434686523                           05           11/01/02          0
    1410054221                           O            10/01/32
    0

    8082617          477/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.750          2,334.95         80
                                       6.500          2,334.95
    SAN JOSE         CA   95128          1            09/16/02         00
    0434677035                           05           11/01/02          0
    234067                               N            10/01/32
    0

    8082759          E22/G02             F          170,000.00         ZZ
                                         360        170,000.00          1
                                       7.625          1,203.25         71
                                       7.375          1,203.25
    WEBB LAKE        WI   54830          5            10/03/02         00
    0414916601                           05           11/01/02          0
    0414916601                           N            10/01/32
    0

    8082783          E22/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.250          2,339.73         80
                                       6.000          2,339.73
1

    LIVERMORE        CA   94550          1            09/27/02         00
    0414957092                           05           11/01/02          0
    0414957092                           O            10/01/32
    0

    8082785          E22/G02             F           90,400.00         ZZ
                                         360         90,400.00          1
                                       6.000            541.99         80
                                       5.750            541.99
    HOMESTEAD        FL   33032          5            09/27/02         00
    0414957522                           05           11/01/02          0
    0414957522                           O            10/01/32
    0

    8082937          477/G02             F          452,000.00         ZZ
                                         360        452,000.00          1
                                       7.250          3,083.44         80
                                       7.000          3,083.44
    TEMPE            AZ   85284          1            09/18/02         00
    0434676466                           05           11/01/02          0
    238150                               O            10/01/32
    0

    8083181          W35/G02             F          134,500.00         ZZ
                                         240        134,500.00          1
                                       6.125            973.33         60
                                       5.875            973.33
    DETROIT          MI   48221          5            09/13/02         00
    0434698080                           05           11/01/02          0
    13838                                O            10/01/22
    0

    8083861          L20/G02             F           31,600.00         ZZ
                                         360         31,600.00          1
                                       7.750            226.39         80
                                       7.500            226.39
    RENO             NV   89512          1            09/27/02         00
    0434682084                           01           11/01/02          0
    620131                               N            10/01/32
    0

    8084379          U05/G02             F          367,500.00         ZZ
                                         360        367,500.00          1
                                       6.625          2,353.14         70
                                       6.375          2,353.14
    CARLSBAD         CA   92008          1            09/24/02         00
    0434688263                           05           11/01/02          0
    3256918                              N            10/01/32
    0
1

    8084901          N74/G02             F           96,570.00         ZZ
                                         360         96,570.00          1
                                       6.125            586.77         77
                                       5.875            586.77
    MALVERN          AR   72104          2            09/27/02         00
    0434668026                           05           11/01/02          0
    0030803010                           O            10/01/32
    0

    8084971          S11/G02             F          404,000.00         ZZ
                                         360        404,000.00          1
                                       6.375          2,520.43         80
                                       6.125          2,520.43
    BURBANK          CA   91506          5            09/25/02         00
    0434723540                           05           11/01/02          0
    10209082                             O            10/01/32
    0

    8085075          L16/G02             F           38,400.00         ZZ
                                         360         38,400.00          1
                                       7.750            275.10         80
                                       7.500            275.10
    ASHEVILLE        NC   28801          1            09/20/02         00
    0434679627                           05           11/01/02          0
    6754                                 N            10/01/32
    0

    8085213          U05/G02             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.625          2,253.89         80
                                       6.375          2,253.89
    HUMBLE           TX   77345          5            09/25/02         00
    0434689154                           05           11/01/02          0
    3264992                              O            10/01/32
    0

    8085227          168/168             F           44,400.00         ZZ
                                         360         44,400.00          2
                                       7.625            314.26         80
                                       7.375            314.26
    BUFFALO          NY   14220          1            09/26/02         00
    0089571487                           05           11/01/02          0
    0089571487                           N            10/01/32
    0

    8085941          W30/G02             F          240,750.00         ZZ
                                         360        240,750.00          3
1

                                       7.750          1,724.76         90
                                       7.500          1,724.76
    MANCHESTER       NH   03101          1            09/30/02         12
    0434688925                           05           11/01/02         25
    0623627                              N            10/01/32
    0

    8085999          E22/G02             F          359,000.00         ZZ
                                         360        359,000.00          1
                                       6.500          2,269.12         30
                                       6.250          2,269.12
    HEALDSBURG       CA   95448          2            09/13/02         00
    0414743096                           05           11/01/02          0
    0414743096                           O            10/01/32
    0

    8086075          E22/G02             F          506,250.00         ZZ
                                         360        506,250.00          2
                                       6.625          3,241.57         75
                                       6.375          3,241.57
    LOS ANGELES      CA   90048          2            09/24/02         00
    0414873372                           05           11/01/02          0
    0414873372                           O            10/01/32
    0

    8086201          E22/G02             F          266,250.00         ZZ
                                         360        266,250.00          1
                                       7.875          1,930.50         75
                                       7.625          1,930.50
    HOWELL           MI   48843          5            10/04/02         00
    0415014083                           29           11/01/02          0
    0415014083                           N            10/01/32
    0

    8086213          E22/G02             F          424,000.00         ZZ
                                         360        424,000.00          1
                                       6.500          2,679.97         80
                                       6.250          2,679.97
    CHICAGO          IL   60631          5            09/30/02         00
    0415028828                           05           11/01/02          0
    0415028828                           O            10/01/32
    0

    8086575          168/168             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       6.875          2,956.18         79
                                       6.625          2,956.18
    SKOKIE           IL   60077          1            09/30/02         00
    0089669835                           05           11/01/02          0
1

    0089669835                           O            10/01/32
    0

    8086867          168/168             F           31,050.00         ZZ
                                         360         31,050.00          2
                                       8.000            227.83         90
                                       7.750            227.83
    ROCHESTER        NY   14609          1            09/30/02         10
    0089434552                           05           11/01/02         25
    0089434552                           N            10/01/32
    0

    8086945          N47/G02             F          436,000.00         ZZ
                                         360        436,000.00          1
                                       6.500          2,755.82         80
                                       6.250          2,755.82
    SAN JOSE         CA   95132          5            09/20/02         00
    0434691556                           05           11/01/02          0
    20321255                             O            10/01/32
    0

    8087143          S11/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       7.000          2,661.21         89
                                       6.750          2,661.21
    PHOENIX          AZ   85086          5            09/25/02         11
    0434690566                           03           11/01/02         25
    10209050                             O            10/01/32
    0

    8087171          N47/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.125          2,430.44         68
                                       5.875          2,430.44
    CARLSBAD         CA   92008          5            09/24/02         00
    0434703146                           03           11/01/02          0
    30122618                             O            10/01/32
    0

    8087427          944/G02             F          323,700.00         ZZ
                                         360        323,700.00          1
                                       6.250          1,993.08         42
                                       6.000          1,993.08
    MUKILTEO         WA   98275          2            09/25/02         00
    0434678645                           05           11/01/02          0
    W02022582                            O            10/01/32
    0

1

    8087451          K15/G02             F          430,000.00         ZZ
                                         360        430,000.00          1
                                       6.500          2,717.89         74
                                       6.250          2,717.89
    NEW MILFORD      CT   06776          5            09/25/02         00
    0434691994                           05           11/01/02          0
    037605502953                         O            10/01/32
    0

    8087511          L49/G02             F          513,400.00         ZZ
                                         360        513,400.00          1
                                       6.500          3,245.04         80
                                       6.250          3,245.04
    SAN DIEGO        CA   92129          1            09/23/02         00
    0434687364                           05           11/01/02          0
    10010044                             O            10/01/32
    0

    8087517          926/926             F          448,000.00         ZZ
                                         360        448,000.00          1
                                       6.375          2,794.94         78
                                       6.125          2,794.94
    RIDGELAND        SC   29936          5            09/13/02         00
    020810978                            05           11/01/02          0
    020810978                            O            10/01/32
    0

    8087781          L49/G02             F          346,300.00         ZZ
                                         360        346,300.00          1
                                       7.375          2,391.81         80
                                       7.125          2,391.81
    CHINO HILLS      CA   91709          1            09/26/02         00
    0434668000                           05           11/01/02          0
    10010501                             O            10/01/32
    0

    8087785          M37/G02             F           49,500.00         ZZ
                                         360         49,500.00          2
                                       7.750            354.62         90
                                       7.500            354.62
    ALBUQUERQUE      NM   87105          1            09/25/02         04
    0434700597                           05           11/01/02         25
    609354                               N            10/01/32
    0

    8087819          642/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.000            911.32         80
                                       5.750            911.32
1

    WHEAT RIDGE      CO   80212          5            09/26/02         00
    0434686887                           05           11/01/02          0
    09128302                             O            10/01/32
    0

    8087977          F89/G02             F          349,000.00         ZZ
                                         360        349,000.00          1
                                       6.375          2,177.31         79
                                       6.125          2,177.31
    SHERMAN OAKS AR  CA   91401          2            09/18/02         00
    0434722310                           05           11/01/02          0
    23029                                O            10/01/32
    0

    8088615          E44/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.250            640.35         80
                                       6.000            640.35
    BOUNTIFUL        UT   84010          1            09/30/02         00
    0434697132                           05           11/01/02          0
    53020096                             O            10/01/32
    0

    8088985          L49/G02             F          383,200.00         ZZ
                                         360        383,200.00          1
                                       6.750          2,485.43         80
                                       6.500          2,485.43
    CHINO HILLS      CA   91709          1            09/09/02         00
    0434667481                           05           11/01/02          0
    10010693                             O            10/01/32
    0

    8089199          E22/G02             F          365,000.00         ZZ
                                         360        365,000.00          1
                                       6.875          2,397.79         63
                                       6.625          2,397.79
    HOUSTON          TX   77057          5            10/01/02         00
    0414862250                           03           11/01/02          0
    0414862250                           O            10/01/32
    0

    8089281          E22/G02             F          338,500.00         ZZ
                                         360        338,500.00          1
                                       6.625          2,167.45         73
                                       6.375          2,167.45
    ROSWELL          GA   30075          5            10/01/02         00
    0414922062                           03           11/01/02          0
    0414922062                           O            10/01/32
    0
1

    8089387          E22/G02             F          520,000.00         ZZ
                                         360        520,000.00          1
                                       6.500          3,286.75         80
                                       6.250          3,286.75
    MONROVIA         CA   91016          5            09/23/02         00
    0414995993                           05           11/01/02          0
    0414995993                           O            10/01/32
    0

    8089439          E22/G02             F          330,000.00         ZZ
                                         360        330,000.00          1
                                       6.875          2,167.87         75
                                       6.625          2,167.87
    SAN FRANCISCO    CA   94112          1            09/25/02         00
    0415020973                           05           11/01/02          0
    0415020973                           O            10/01/32
    0

    8089587          642/G02             F          520,000.00         ZZ
                                         360        520,000.00          1
                                       6.375          3,244.12         78
                                       6.125          3,244.12
    ROSLYN HEIGHTS   NY   11577          5            09/26/02         00
    0434687653                           05           11/01/02          0
    08-2461-02                           O            10/01/32
    0

    8090859          F36/G02             F          382,000.00         ZZ
                                         360        382,000.00          1
                                       6.875          2,509.47         75
                                       6.625          2,509.47
    ENUMCLAW         WA   98022          5            09/24/02         00
    0434703724                           05           11/01/02          0
    06405254                             O            10/01/32
    0

    8091153          168/168             F           43,200.00         ZZ
                                         360         43,200.00          2
                                       7.625            305.77         90
                                       7.375            305.77
    NIAGARA FALLS    NY   14301          1            10/01/02         14
    0089519477                           05           11/01/02         25
    0089519477                           N            10/01/32
    0

    8092619          G34/G02             F          506,250.00         ZZ
                                         360        506,250.00          2
1

                                       6.375          3,158.34         75
                                       6.125          3,158.34
    BERKELEY         CA   94705          1            09/26/02         00
    0434701249                           05           11/01/02          0
    48200765                             O            10/01/32
    0

    8092883          286/286             F          124,850.00         ZZ
                                         360        124,728.65          1
                                       6.125            758.61         47
                                       5.875            758.61
    SAN ANTONIO      TX   78258          2            08/21/02         00
    1495011                              03           10/01/02          0
    1495011                              O            09/01/32
    0

    8093001          286/286             F          143,000.00         ZZ
                                         360        142,727.91          1
                                       6.250            880.48         72
                                       6.000            880.48
    GAINESVILLE      VA   20155          1            07/12/02         00
    1414003                              03           09/01/02          0
    1414003                              O            08/01/32
    0

    8093009          286/286             F          145,500.00         ZZ
                                         360        145,355.15          1
                                       6.000            872.35         51
                                       5.750            872.35
    GREER            SC   29651          1            08/15/02         00
    1452519                              05           10/01/02          0
    1452519                              O            09/01/32
    0

    8093155          286/286             F          210,000.00         ZZ
                                         360        209,768.44          1
                                       6.250          1,293.01         64
                                       6.000          1,293.01
    BEAVERCREEK      OR   97004          2            08/16/02         00
    1452468                              05           10/01/02          0
    1452468                              O            09/01/32
    0

    8093189          286/286             F          210,000.00         ZZ
                                         360        209,790.94          1
                                       6.000          1,259.06         76
                                       5.750          1,259.06
    CHESTNUT RIDGE   NY   10977          1            08/16/02         00
    1401877                              05           10/01/02          0
1

    1401877                              O            09/01/32
    0

    8093193          286/286             F          260,000.00         ZZ
                                         360        259,740.05          1
                                       6.000          1,558.84         90
                                       5.750          1,558.84
    ALBUQUERQUE      NM   87111          2            07/15/02         11
    1475570                              05           10/01/02         25
    1475570                              O            09/01/32
    0

    8093195          286/286             F          209,000.00         ZZ
                                         360        208,848.73          1
                                       7.625          1,479.29         79
                                       7.375          1,479.29
    CHICAGO          IL   60645          2            08/16/02         00
    1457932                              05           10/01/02          0
    1457932                              O            09/01/32
    0

    8093225          286/286             F          125,000.00         ZZ
                                         360        124,881.39          1
                                       6.250            769.65         32
                                       6.000            769.65
    BETHLEHEM        PA   18015          1            08/16/02         00
    1515839                              05           10/01/02          0
    1515839                              O            09/01/32
    0

    8093229          286/286             F          211,000.00         ZZ
                                         240        210,541.04          1
                                       6.250          1,542.26         80
                                       6.000          1,542.26
    RIVERTON         UT   84065          2            08/07/02         00
    1481905                              05           10/01/02          0
    1481905                              O            09/01/22
    0

    8093253          286/286             F          121,000.00         ZZ
                                         360        120,769.78          1
                                       6.250            745.02         80
                                       6.000            745.02
    SUGAR LAND       TX   77478          1            07/13/02         00
    1406228                              03           09/01/02          0
    1406228                              O            08/01/32
    0

1

    8093855          E22/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.875          3,284.64         85
                                       6.625          3,284.64
    LAGUNA BEACH     CA   92651          2            09/23/02         11
    0414683326                           05           11/01/02         12
    0414683326                           O            10/01/32
    0

    8094029          E22/G02             F          384,000.00         ZZ
                                         360        384,000.00          1
                                       6.750          2,490.62         80
                                       6.500          2,490.62
    LIVERMORE        CO   80536          5            10/01/02         00
    0414946343                           05           11/01/02          0
    0414946343                           O            10/01/32
    0

    8094079          E22/G02             F           52,250.00         ZZ
                                         360         52,250.00          1
                                       7.875            378.85         95
                                       7.625            378.85
    BOAZ             AL   35956          5            10/01/02         04
    0415007251                           05           11/01/02         30
    0415007251                           O            10/01/32
    0

    8094129          A52/G02             F          487,000.00         ZZ
                                         360        487,000.00          1
                                       6.500          3,078.17         77
                                       6.250          3,078.17
    ROSWELL          GA   30075          5            09/19/02         00
    0434697074                           05           11/01/02          0
    21041                                O            10/01/32
    0

    8095643          286/286             F           92,100.00         ZZ
                                         360         91,969.56          1
                                       7.750            659.82         77
                                       7.500            659.82
    GREENWOOD        IN   46143          2            07/19/02         00
    1361345                              05           09/01/02          0
    1361345                              N            08/01/32
    0

    8095667          286/286             F           59,000.00         ZZ
                                         360         58,916.43          1
                                       7.750            422.69         74
                                       7.500            422.69
1

    SAVANNAH         GA   31401          2            07/22/02         00
    1322864                              05           09/01/02          0
    1322864                              N            08/01/32
    0

    8095675          286/286             F           85,000.00         ZZ
                                         360         84,876.55          2
                                       7.625            601.63         79
                                       7.375            601.63
    AKRON            OH   44312          5            07/25/02         00
    1354533                              05           09/01/02          0
    1354533                              N            08/01/32
    0

    8095679          286/286             F           52,200.00         ZZ
                                         360         52,124.20          1
                                       7.625            369.47         90
                                       7.375            369.47
    CAMDEN           NJ   08104          1            07/11/02         21
    1448890                              05           09/01/02         25
    1448890                              N            08/01/32
    0

    8095753          286/286             F          100,000.00         ZZ
                                         360         99,854.78          1
                                       7.625            707.80         80
                                       7.375            707.80
    EAST DUNDEE      IL   60118          5            07/26/02         00
    1396014                              05           09/01/02          0
    1396014                              N            08/01/32
    0

    8095755          286/286             F           72,000.00         ZZ
                                         360         71,846.55          1
                                       7.750            515.82         90
                                       7.500            515.82
    INDPLS           IN   46202          1            06/27/02         11
    1336329                              05           08/01/02         25
    1336329                              N            07/01/32
    0

    8095761          286/286             F          129,600.00         ZZ
                                         360        129,508.52          2
                                       7.750            928.48         80
                                       7.500            928.48
    MENTOR           OH   44060          2            08/05/02         00
    1414798                              05           10/01/02          0
    1414798                              N            09/01/32
    0
1

    8095775          286/286             F           45,000.00         ZZ
                                         360         44,939.40          1
                                       8.000            330.20         90
                                       7.750            330.20
    PLAINFIELD       NJ   07060          1            07/16/02         12
    1354043                              05           09/01/02         25
    1354043                              N            08/01/32
    0

    8095791          286/286             F           39,600.00         ZZ
                                         360         39,545.32          1
                                       7.875            287.13         90
                                       7.625            287.13
    URBANA           IL   61801          1            07/24/02         10
    1394135                              05           09/01/02         25
    1394135                              N            08/01/32
    0

    8095793          286/286             F           90,200.00         ZZ
                                         360         90,075.43          2
                                       7.875            654.02         90
                                       7.625            654.02
    FALL RIVER       MA   02720          1            07/16/02         11
    1323436                              05           09/01/02         25
    1323436                              N            08/01/32
    0

    8095803          286/286             F           80,000.00         ZZ
                                         360         79,946.31          2
                                       8.000            587.02         80
                                       7.750            587.02
    ABERDEEN         NJ   07728          1            08/20/02         00
    1095653                              05           10/01/02          0
    1095653                              N            09/01/32
    0

    8095811          286/286             F          157,140.00         ZZ
                                         360        157,026.26          1
                                       7.625          1,112.23         90
                                       7.375          1,112.23
    NEW PORT RICHEY  FL   34655          1            08/26/02         19
    1528569                              03           10/01/02         25
    1528569                              N            09/01/32
    0

    8095823          286/286             F           76,500.00         ZZ
                                         360         76,298.03          1
1

                                       7.625            541.47         90
                                       7.375            541.47
    WEST VALLEY CIT  UT   84128          1            08/28/02         12
    1513693                              05           10/01/02         25
    1513693                              N            09/01/32
    0

    8095847          286/286             F           22,500.00         ZZ
                                         360         22,468.12          1
                                       7.750            161.20         90
                                       7.500            161.20
    SEYMOUR          IN   47274          1            07/25/02         10
    1373062                              05           09/01/02         25
    1373062                              N            08/01/32
    0

    8095853          286/286             F           87,300.00         ZZ
                                         360         87,176.36          1
                                       7.750            625.43         90
                                       7.500            625.43
    MIAMI            FL   33169          1            07/31/02         11
    1437382                              05           09/01/02         25
    1437382                              N            08/01/32
    0

    8095859          286/286             F           20,700.00         ZZ
                                         360         20,670.68          1
                                       7.750            148.30         90
                                       7.500            148.30
    N CHARLESTON     SC   29405          1            08/05/02         12
    1399411                              05           09/01/02         25
    1399411                              N            08/01/32
    0

    8095873          286/286             F           35,200.00         ZZ
                                         360         35,150.14          1
                                       7.750            252.18         80
                                       7.500            252.18
    SUFFOLK          VA   23435          5            07/19/02         00
    1396726                              01           09/01/02          0
    1396726                              N            08/01/32
    0

    8095883          286/286             F           33,700.00         ZZ
                                         360         33,653.46          1
                                       7.875            244.35         90
                                       7.625            244.35
    LANSING          MI   48910          1            07/24/02         10
    1464970                              05           09/01/02         25
1

    1464970                              N            08/01/32
    0

    8095887          286/286             F           81,000.00         ZZ
                                         360         80,885.28          2
                                       7.750            580.30         90
                                       7.500            580.30
    NEW HAVEN        CT   06510          1            07/19/02         12
    1409891                              05           09/01/02         25
    1409891                              N            08/01/32
    0

    8095933          286/286             F           63,000.00         ZZ
                                         360         62,910.78          1
                                       7.750            451.34         90
                                       7.500            451.34
    DETROIT          MI   48203          1            07/26/02         10
    1395760                              05           09/01/02         25
    1395760                              N            08/01/32
    0

    8095939          286/286             F           39,975.00         ZZ
                                         360         39,898.00          1
                                       8.250            300.32         75
                                       8.000            300.32
    BALTIMORE        MD   21205          5            06/13/02         00
    1279138                              05           08/01/02          0
    1279138                              N            07/01/32
    0

    8095941          286/286             F           41,200.00         ZZ
                                         360         41,170.17          1
                                       7.625            291.62         80
                                       7.375            291.62
    BALTIMORE        MD   21205          5            08/16/02         00
    1402024                              05           10/01/02          0
    1402024                              N            09/01/32
    0

    8095953          286/286             F           45,000.00         ZZ
                                         360         44,934.65          3
                                       7.625            318.51         40
                                       7.375            318.51
    CANTON           OH   44703          2            07/25/02         00
    1408039                              05           09/01/02          0
    1408039                              N            08/01/32
    0

1

    8095967          286/286             F           98,100.00         ZZ
                                         360         98,028.99          1
                                       7.625            694.35         90
                                       7.375            694.35
    GOOSE CREEK      SC   29445          1            08/08/02         12
    1465465                              03           10/01/02         25
    1465465                              N            09/01/32
    0

    8095971          286/286             F           49,500.00         ZZ
                                         360         49,414.91          1
                                       7.875            358.91         90
                                       7.625            358.91
    INDIANAPOLIS     IN   46203          1            07/16/02         11
    1401932                              05           09/01/02         25
    1401932                              N            08/01/32
    0

    8095973          286/286             F           57,600.00         ZZ
                                         360         57,558.31          1
                                       7.625            407.69         90
                                       7.375            407.69
    ORANGE PARK      FL   32073          1            08/30/02         19
    1527184                              05           10/01/02         30
    1527184                              N            09/01/32
    0

    8095983          286/286             F           48,800.00         ZZ
                                         360         48,730.89          1
                                       7.750            349.61         80
                                       7.500            349.61
    HIGHLAND FALLS   NY   10928          1            07/31/02         00
    1292812                              05           09/01/02          0
    1292812                              N            08/01/32
    0

    8095987          286/286             F           50,000.00         ZZ
                                         360         49,925.34          1
                                       7.750            358.21         80
                                       7.500            358.21
    ST LOUIS         MO   63118          1            07/18/02         00
    1315011                              05           09/01/02          0
    1315011                              N            08/01/32
    0

    8095991          286/286             F           50,985.00         ZZ
                                         360         50,912.81          1
                                       7.750            365.26         90
                                       7.500            365.26
1

    HAMILTON         OH   45011          1            07/11/02         04
    1386667                              05           09/01/02         25
    1386667                              N            08/01/32
    0

    8095995          286/286             F           56,000.00         ZZ
                                         360         55,880.66          1
                                       7.750            401.19         70
                                       7.500            401.19
    SAN ANTONIO      TX   78216          5            06/28/02         00
    1359237                              05           08/01/02          0
    1359237                              N            07/01/32
    0

    8095999          286/286             F           36,000.00         ZZ
                                         360         35,950.28          1
                                       7.875            261.03         90
                                       7.625            261.03
    BALTIMORE        MD   21225          1            07/23/02         14
    1379242                              05           09/01/02         25
    1379242                              N            08/01/32
    0

    8096005          286/286             F          112,500.00         ZZ
                                         360        112,348.52          2
                                       8.000            825.49         90
                                       7.750            825.49
    ST LOUIS         MO   63118          1            07/16/02         11
    1384979                              05           09/01/02         25
    1384979                              N            08/01/32
    0

    8096007          286/286             F           83,700.00         ZZ
                                         360         83,587.29          2
                                       8.000            614.17         90
                                       7.750            614.17
    ST LOUIS         MO   63111          1            07/16/02         11
    1384993                              05           09/01/02         25
    1384993                              N            08/01/32
    0

    8096013          286/286             F           93,600.00         ZZ
                                         360         93,464.07          1
                                       7.625            662.50         80
                                       7.375            662.50
    OAK PARK         MI   48237          1            07/30/02         00
    1294559                              05           09/01/02          0
    1294559                              N            08/01/32
    0
1

    8096015          286/286             F           44,100.00         ZZ
                                         360         44,019.25          1
                                       7.750            315.94         90
                                       7.500            315.94
    TUCSON           AZ   85706          1            07/25/02         12
    1436153                              05           09/01/02         25
    1436153                              N            08/01/32
    0

    8096017          286/286             F           70,250.00         ZZ
                                         360         70,152.98          1
                                       7.875            509.37         90
                                       7.625            509.37
    W NEW YORK       NJ   07093          1            07/18/02         12
    1285663                              01           09/01/02         25
    1285663                              N            08/01/32
    0

    8096023          286/286             F           34,200.00         ZZ
                                         360         34,176.46          1
                                       7.875            247.98         90
                                       7.625            247.98
    LEWISTOWN        IL   61542          1            08/06/02         10
    1401812                              05           10/01/02         25
    1401812                              N            09/01/32
    0

    8096037          286/286             F          171,000.00         ZZ
                                         360        170,751.68          1
                                       7.625          1,210.33         90
                                       7.375          1,210.33
    CHICAGO          IL   60614          1            07/25/02         12
    1448247                              01           09/01/02         25
    1448247                              N            08/01/32
    0

    8096049          286/286             F           67,500.00         ZZ
                                         360         67,404.41          1
                                       7.750            483.58         90
                                       7.500            483.58
    HAMPTON          VA   23663          1            07/30/02         11
    1020214                              05           09/01/02         25
    1020214                              N            08/01/32
    0

    8096051          286/286             F           56,025.00         ZZ
                                         360         55,943.62          1
1

                                       7.625            396.55         90
                                       7.375            396.55
    THORNTOWN        IN   46071          1            07/31/02         12
    1435290                              05           09/01/02         25
    1435290                              N            08/01/32
    0

    8096057          286/286             F           56,000.00         ZZ
                                         360         55,959.46          1
                                       7.625            396.37         70
                                       7.375            396.37
    INDIANAPOLIS     IN   46208          5            08/05/02         00
    1315585                              05           10/01/02          0
    1315585                              N            09/01/32
    0

    8096061          286/286             F           54,300.00         ZZ
                                         360         54,221.03          1
                                       7.625            384.34         79
                                       7.375            384.34
    MARCUS HOOK      PA   19061          2            07/26/02         00
    1045095                              05           09/01/02          0
    1045095                              N            08/01/32
    0

    8096065          286/286             F           41,600.00         ZZ
                                         360         41,539.57          1
                                       7.625            294.45         80
                                       7.375            294.45
    PANAMA CITY      FL   32405          1            07/26/02         00
    1413239                              05           09/01/02          0
    1413239                              N            08/01/32
    0

    8096069          286/286             F           32,400.00         ZZ
                                         360         32,352.95          1
                                       7.625            229.33         80
                                       7.375            229.33
    SOUTH BEND       IN   46616          1            07/24/02         00
    1396786                              05           09/01/02          0
    1396786                              N            08/01/32
    0

    8096073          286/286             F           81,900.00         ZZ
                                         360         81,781.06          2
                                       7.625            579.69         90
                                       7.375            579.69
    EAST GREENWICH   NJ   08020          1            07/31/02         12
    1407215                              05           09/01/02         25
1

    1407215                              N            08/01/32
    0

    8096075          286/286             F           25,200.00         ZZ
                                         360         25,163.40          1
                                       7.625            178.37         90
                                       7.375            178.37
    TOLEDO           OH   43608          1            07/26/02         10
    1394767                              05           09/01/02         25
    1394767                              N            08/01/32
    0

    8096077          286/286             F           39,600.00         ZZ
                                         360         39,542.49          1
                                       7.625            280.29         90
                                       7.375            280.29
    TOLEDO           OH   43612          1            07/26/02         10
    1394769                              05           09/01/02         25
    1394769                              N            08/01/32
    0

    8096079          286/286             F           34,200.00         ZZ
                                         360         34,150.33          1
                                       7.625            242.07         90
                                       7.375            242.07
    TOLEDO           OH   43611          1            07/26/02         10
    1394770                              05           09/01/02         25
    1394770                              N            08/01/32
    0

    8096083          286/286             F           90,000.00         ZZ
                                         360         89,817.62          1
                                       8.000            660.39         90
                                       7.750            660.39
    LANCASTER        TX   75134          2            06/17/02         21
    1357517                              05           08/01/02         25
    1357517                              N            07/01/32
    0

    8096085          286/286             F           99,000.00         ZZ
                                         360         98,799.38          1
                                       8.000            726.43         90
                                       7.750            726.43
    CEDAR HILL       TX   75104          2            06/17/02         21
    1357529                              05           08/01/02         25
    1357529                              N            07/01/32
    0

1

    8096087          286/286             F          132,000.00         ZZ
                                         360        131,725.65          1
                                       7.875            957.10         87
                                       7.625            957.10
    ARLINGTON        TX   76002          2            07/03/02         21
    1388674                              05           08/01/02         25
    1388674                              N            07/01/32
    0

    8096093          286/286             F           36,000.00         ZZ
                                         360         35,974.59          1
                                       7.750            257.91         90
                                       7.500            257.91
    INDIANAPOLIS     IN   46224          1            08/27/02         11
    1492084                              03           10/01/02         25
    1492084                              N            09/01/32
    0

    8096107          286/286             F           77,850.00         ZZ
                                         360         77,793.65          1
                                       7.625            551.02         90
                                       7.375            551.02
    BALTIMORE        MD   21230          1            08/07/02         12
    1441650                              05           10/01/02         25
    1441650                              N            09/01/32
    0

    8096113          286/286             F          102,500.00         ZZ
                                         360        102,358.45          1
                                       7.875            743.20         90
                                       7.625            743.20
    RAYTOWN          MO   64133          2            07/25/02         11
    1410296                              05           09/01/02         25
    1410296                              N            08/01/32
    0

    8096115          286/286             F          108,000.00         ZZ
                                         360        107,850.85          1
                                       7.875            783.08         90
                                       7.625            783.08
    RAYTOWN          MO   64138          2            07/22/02         11
    1410318                              05           09/01/02         25
    1410318                              N            08/01/32
    0

    8096121          286/286             F           30,000.00         ZZ
                                         360         29,934.86          1
                                       7.750            214.93         50
                                       7.500            214.93
1

    INDIANAPOLIS     IN   46201          5            07/12/02         00
    1396495                              05           09/01/02          0
    1396495                              N            08/01/32
    0

    8096129          286/286             F           52,500.00         ZZ
                                         360         52,425.64          1
                                       7.750            376.12         75
                                       7.500            376.12
    LITTLE EGG HARB  NJ   08087          1            07/31/02         00
    1352405                              03           09/01/02          0
    1352405                              N            08/01/32
    0

    8096149          286/286             F           74,850.00         ZZ
                                         360         74,741.30          2
                                       7.625            529.79         94
                                       7.375            529.79
    POTTSTOWN        PA   19464          1            07/31/02         21
    1349706                              05           09/01/02         30
    1349706                              N            08/01/32
    0

    8096151          286/286             F           49,500.00         ZZ
                                         360         49,433.34          1
                                       8.000            363.22         90
                                       7.750            363.22
    CLEVELAND        OH   44111          1            07/26/02         11
    1398468                              05           09/01/02         25
    1398468                              N            08/01/32
    0

    8096155          286/286             F          135,000.00         ZZ
                                         360        134,603.94          4
                                       7.625            955.53         90
                                       7.375            955.53
    NEW CARLISLE     OH   45344          1            07/31/02         10
    1403594                              05           09/01/02         25
    1403594                              N            08/01/32
    0

    8096157          286/286             F          135,000.00         ZZ
                                         360        134,803.94          2
                                       7.625            955.53         90
                                       7.375            955.53
    NEW CARLISLE     OH   45344          1            07/31/02         10
    1403606                              05           09/01/02         25
    1403606                              N            08/01/32
    0
1

    8096165          286/286             F           56,250.00         ZZ
                                         360         56,210.29          1
                                       7.750            402.99         90
                                       7.500            402.99
    CHICAGO          IL   60620          1            08/07/02         12
    1457361                              05           10/01/02         25
    1457361                              N            09/01/32
    0

    8096169          286/286             F           41,700.00         ZZ
                                         360         41,643.85          1
                                       8.000            305.98         80
                                       7.750            305.98
    PORT JEFFERSON   OH   45360          5            07/25/02         00
    1393554                              05           09/01/02          0
    1393554                              N            08/01/32
    0

    8096183          286/286             F           29,400.00         ZZ
                                         360         29,359.40          1
                                       7.875            213.17         70
                                       7.625            213.17
    PASADENA         TX   77506          5            07/18/02         00
    1411540                              05           09/01/02          0
    1411540                              N            08/01/32
    0

    8096185          286/286             F           45,000.00         ZZ
                                         360         44,936.26          1
                                       7.750            322.39         90
                                       7.500            322.39
    CHICAGO          IL   60640          1            07/31/02         12
    1414842                              01           09/01/02         25
    1414842                              N            08/01/32
    0

    8096187          286/286             F           45,000.00         ZZ
                                         360         44,936.26          1
                                       7.750            322.39         90
                                       7.500            322.39
    CHICAGO          IL   60640          1            07/31/02         14
    1414847                              01           09/01/02         25
    1414847                              N            08/01/32
    0

    8096191          286/286             F           33,750.00         ZZ
                                         360         33,660.77          1
1

                                       8.125            250.60         90
                                       7.875            250.60
    INDIANAPOLIS     IN   46203          1            05/31/02         12
    1291754                              05           07/01/02         25
    1291754                              N            06/01/32
    0

    8096217          286/286             F           50,300.00         ZZ
                                         360         50,264.49          1
                                       7.750            360.36         90
                                       7.500            360.36
    BALTIMORE        MD   21223          1            08/14/02         11
    1401892                              05           10/01/02         25
    1401892                              N            09/01/32
    0

    8096229          286/286             F           72,250.00         ZZ
                                         360         72,140.11          2
                                       7.875            523.87         85
                                       7.625            523.87
    PEVELY           MO   63070          1            07/19/02         11
    1431498                              05           09/01/02         25
    1431498                              N            08/01/32
    0

    8096231          286/286             F           72,250.00         ZZ
                                         360         72,135.08          1
                                       7.875            523.87         85
                                       7.625            523.87
    PEVELY           MO   63070          1            07/19/02         11
    1431517                              05           09/01/02         25
    1431517                              N            08/01/32
    0

    8096237          286/286             F          168,000.00         ZZ
                                         336        167,736.21          4
                                       8.125          1,268.95         80
                                       7.875          1,268.95
    BLUE SPRINGS     MO   64014          2            07/26/02         00
    1309721                              05           09/01/02          0
    1309721                              N            08/01/30
    0

    8096249          286/286             F           61,200.00         ZZ
                                         360         61,155.71          1
                                       7.625            433.17         90
                                       7.375            433.17
    DREXEL HILL      PA   19026          1            08/20/02         12
    1477483                              05           10/01/02         25
1

    1477483                              N            09/01/32
    0

    8096253          286/286             F           39,600.00         ZZ
                                         360         39,546.68          1
                                       8.000            290.57         90
                                       7.750            290.57
    TAMPA            FL   33604          1            07/29/02         21
    1373796                              05           09/01/02         25
    1373796                              N            08/01/32
    0

    8096257          286/286             F           81,000.00         ZZ
                                         360         80,882.36          1
                                       7.625            573.32         90
                                       7.375            573.32
    ROANOKE          VA   24019          1            07/26/02         04
    1375593                              05           09/01/02         25
    1375593                              N            08/01/32
    0

    8096299          286/286             F           70,200.00         ZZ
                                         360         70,100.56          1
                                       7.750            502.93         90
                                       7.500            502.93
    FOREST PARK      GA   30297          1            07/23/02         12
    1433644                              05           09/01/02         25
    1433644                              N            08/01/32
    0

    8096305          286/286             F           70,200.00         ZZ
                                         360         70,085.12          1
                                       7.750            502.93         90
                                       7.500            502.93
    DENVER           CO   80210          1            07/29/02         11
    1433015                              01           09/01/02         25
    1433015                              N            08/01/32
    0

    8096499          286/286             F           47,700.00         ZZ
                                         360         47,630.72          1
                                       7.625            337.62         90
                                       7.375            337.62
    CAMDEN           NJ   08104          1            07/11/02         21
    1448949                              05           09/01/02         25
    1448949                              N            08/01/32
    0

1

    8096501          286/286             F           67,400.00         ZZ
                                         360         67,302.11          1
                                       7.625            477.06         90
                                       7.375            477.06
    PALM BAY         FL   32907          1            07/22/02         11
    1429331                              05           09/01/02         25
    1429331                              N            08/01/32
    0

    8096861          E77/G02             F          415,400.00         ZZ
                                         360        415,400.00          1
                                       6.500          2,625.61         55
                                       6.250          2,625.61
    ANNAPOLIS        MD   21401          2            09/26/02         00
    0434699393                           03           11/01/02          0
    1010002361                           O            10/01/32
    0

    8097421          X67/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.625          4,162.02         72
                                       6.375          4,162.02
    YORBA LINDA      CA   92887          5            09/24/02         00
    0434707527                           05           11/01/02          0
    00269493                             O            10/01/32
    0

    8097661          Q57/G02             F          423,600.00         ZZ
                                         360        423,600.00          1
                                       6.375          2,642.71         80
                                       6.125          2,642.71
    MANASSAS         VA   20110          1            09/19/02         00
    0434707576                           05           11/01/02          0
    52900020                             O            10/01/32
    0

    8100963          R84/G02             F          600,000.00         ZZ
                                         360        600,000.00          1
                                       6.875          3,941.58         73
                                       6.625          3,941.58
    HOUSTON          TX   77019          5            09/27/02         00
    0434711701                           03           11/01/02          0
    0611769                              O            10/01/32
    0

    8101221          K15/G02             F          376,000.00         ZZ
                                         360        376,000.00          1
                                       6.375          2,345.75         80
                                       6.125          2,345.75
1

    HUNTINGTON STAT  NY   11746          5            09/25/02         00
    0434722674                           05           11/01/02          0
    020605300035                         O            10/01/32
    0

    8101745          M24/G02             F          364,800.00         ZZ
                                         360        364,800.00          1
                                       6.500          2,305.78         80
                                       6.250          2,305.78
    FULLERTON        CA   92833          5            09/30/02         00
    0434707428                           05           11/01/02          0
    201-105721                           O            10/01/32
    0

    8101937          420/G02             F          362,500.00         ZZ
                                         360        362,500.00          1
                                       6.500          2,291.25         80
                                       6.250          2,291.25
    FAIRFIELD        CA   94585          1            09/17/02         00
    0434711982                           05           11/01/02          0
    82000188                             O            10/01/32
    0

    8101949          K15/G02             F           81,600.00         ZZ
                                         360         81,600.00          1
                                       6.000            489.23         85
                                       5.750            489.23
    CANTON           OH   44708          5            09/25/02         41
    0434722641                           05           11/01/02         12
    028005304189                         O            10/01/32
    0

    8321366          E23/G02             F          379,500.00         ZZ
                                         360        378,828.51          1
                                       6.625          2,429.98         79
                                       6.375          2,429.98
    MISSION VIEJO    CA   92692          5            07/19/02         00
    0434367009                           05           09/01/02          0
    51016511                             O            08/01/32
    0

    8325744          E23/G02             F          473,000.00         ZZ
                                         360        472,592.76          1
                                       6.750          3,067.87         66
                                       6.500          3,067.87
    LAFAYETTE        CA   94549          5            08/22/02         00
    0434509014                           05           10/01/02          0
    61006999                             O            09/01/32
    0
1

    8325996          E23/G02             F          380,000.00         ZZ
                                         360        379,656.47          1
                                       6.500          2,401.86         80
                                       6.250          2,401.86
    SANTA ROSA       CA   95405          1            08/30/02         00
    0434622528                           05           10/01/02          0
    62002689                             O            09/01/32
    0

    8326010          E23/G02             F          385,000.00         ZZ
                                         360        384,668.53          1
                                       6.750          2,497.10         60
                                       6.500          2,497.10
    COTO DE CAZA AR  CA   92679          5            08/07/02         00
    0434601761                           03           10/01/02          0
    51016926                             O            09/01/32
    0

    8326134          E23/G02             F          549,000.00         ZZ
                                         360        549,000.00          1
                                       6.500          3,470.05         80
                                       6.250          3,470.05
    RANCHO PALOS VE  CA   90275          1            09/01/02         00
    0434533691                           05           11/01/02          0
    62002980                             O            10/01/32
    0

    8327302          E23/G02             F          311,000.00         ZZ
                                         360        311,000.00          1
                                       7.250          2,121.57         76
                                       7.000          2,121.57
    LONG BEACH       CA   90803          2            09/06/02         00
    0434591426                           05           11/01/02          0
    11012863                             O            10/01/32
    0

    8327724          E23/G02             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       7.000          2,927.33         80
                                       6.750          2,927.33
    RANCHO SANTA MA  CA   92688          2            09/05/02         00
    0434614863                           03           11/01/02          0
    51017815                             O            10/01/32
    0

    8327774          N16/G02             F          365,000.00         ZZ
                                         360        364,653.67          1
1

                                       6.250          2,247.37         67
                                       6.000          2,247.37
    PEACHTREE CITY   GA   30269          5            09/11/02         00
    0434619334                           05           10/16/02          0
    N16                                  O            09/16/32
    0

    8327864          E23/G02             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       6.250          1,939.51         70
                                       6.000          1,939.51
    GOLD RIVER       CA   95670          5            09/04/02         00
    0434617593                           03           11/01/02          0
    51018091                             O            10/01/32
    0

    8327990          E23/G02             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.500          3,033.93         75
                                       6.250          3,033.93
    DAVIS            CA   95616          1            09/11/02         00
    0434622049                           05           11/01/02          0
    61006401                             O            10/01/32
    0

    8328092          E23/G02             F          310,000.00         ZZ
                                         360        310,000.00          1
                                       6.500          1,959.41         73
                                       6.250          1,959.41
    THOUSAND OAKS    CA   91360          5            09/10/02         00
    0434646626                           05           11/01/02          0
    51018689                             O            10/01/32
    0

    8328098          E23/G02             F          328,000.00         ZZ
                                         360        328,000.00          1
                                       6.750          2,127.40         80
                                       6.500          2,127.40
    HACIENDA HEIGHT  CA   91745          1            09/12/02         00
    0434626248                           05           11/01/02          0
    51018535                             O            10/01/32
    0

    8329168          E23/G02             F          392,000.00         ZZ
                                         360        392,000.00          1
                                       6.875          2,575.16         80
                                       6.625          2,575.16
    SONOMA           CA   95476          1            09/20/02         00
    0434695268                           05           11/01/02          0
1

    62003230                             O            10/01/32
    0

    8329472          E23/G02             F          376,000.00         ZZ
                                         360        376,000.00          1
                                       6.375          2,345.75         80
                                       6.125          2,345.75
    SAN JOSE         CA   95127          2            09/16/02         00
    0434690368                           05           11/01/02          0
    61006302                             O            10/01/32
    0

   TOTAL NUMBER OF LOANS   :        788

   TOTAL ORIGINAL BALANCE  :   210,902,654.84

   TOTAL PRINCIPAL BALANCE :   210,765,738.08

   TOTAL ORIGINAL P+I      :     1,379,157.65

   TOTAL CURRENT P+I       :     1,379,157.65

                             ***************************
                             *      END OF REPORT      *
                             ***************************

<PAGE>

<TABLE>
<CAPTION>

                                   EXHIBIT TWO

                         SCHEDULE OF DISCOUNT FRACTIONS

                               Schedule of Discount Fractions

    Loan Number     Current Balance    Net Mortgage Rate  Discount Fraction   PO Balance
<S>   <C>             <C>                   <C>                <C>             <C>
      8009697         $399,620.46           5.970%             0.5000%         $1,998.10
      8016013         $199,810.24           5.970%             0.5000%          $999.05
      8016807         $78,725.23            5.970%             0.5000%          $393.63
      8016823         $277,723.25           5.720%             4.6667%        $12,960.42
      8018457         $285,428.92           5.970%             0.5000%         $1,427.14
      8018467         $186,822.57           5.970%             0.5000%          $934.11
      8018491         $178,500.00           5.970%             0.5000%          $892.50
      8018499         $167,736.81           5.845%             2.5833%         $4,333.20
      8027167         $160,000.00           5.970%             0.5000%          $800.00
      8031707         $179,850.00           5.845%             2.5833%         $4,646.13
      8034063         $524,000.00           5.970%             0.5000%         $2,620.00
      8034869         $215,000.00           5.720%             4.6667%        $10,033.33
      8034909         $98,250.00            5.845%             2.5833%         $2,538.13
      8035549         $552,000.00           5.970%             0.5000%         $2,760.00
      8035645         $172,000.00           5.845%             2.5833%         $4,443.33
      8035817         $196,200.00           5.970%             0.5000%          $981.00
      8036661         $441,600.00           5.970%             0.5000%         $2,208.00
      8037547         $151,500.00           5.720%             4.6667%         $7,070.00
      8039027         $482,541.70           5.970%             0.5000%         $2,412.71
      8042255         $208,800.00           5.845%             2.5833%         $5,394.00
      8042301         $375,000.00           5.970%             0.5000%         $1,875.00
      8048175         $102,500.00           5.970%             0.5000%          $512.50
      8049121         $99,950.39            5.720%             4.6667%         $4,664.35
      8050975         $483,056.76           5.845%             2.5833%        $12,478.97
      8051093         $455,000.00           5.720%             4.6667%        $21,233.33
      8052269         $480,000.00           5.970%             0.5000%         $2,400.00
      8052811         $136,800.00           5.970%             0.5000%          $684.00
      8053057         $72,000.00            5.970%             0.5000%          $360.00
      8053459         $89,600.00            5.970%             0.5000%          $448.00
      8053467         $149,000.00           5.970%             0.5000%          $745.00
      8055763         $496,000.00           5.970%             0.5000%         $2,480.00
      8057081         $408,700.00           5.970%             0.5000%         $2,043.50
      8057575         $343,473.78           5.970%             0.5000%         $1,717.37
      8058291         $192,000.00           5.970%             0.5000%          $960.00
      8058463         $150,800.00           5.970%             0.5000%          $754.00
      8058711         $343,000.00           5.845%             2.5833%         $8,860.83
      8059659         $102,000.00           5.845%             2.5833%         $2,635.00
      8059663         $218,400.00           5.970%             0.5000%         $1,092.00
      8061731         $274,320.00           5.970%             0.5000%         $1,371.60
      8062887         $371,000.00           5.970%             0.5000%         $1,855.00
      8065129         $133,500.00           5.970%             0.5000%          $667.50
      8065973         $330,000.00           5.970%             0.5000%         $1,650.00
      8067139         $75,000.00            5.970%             0.5000%          $375.00
      8067223         $190,760.00           5.845%             2.5833%         $4,927.97
      8069027         $333,600.00           5.970%             0.5000%         $1,668.00
      8069289         $110,500.00           5.720%             4.6667%         $5,156.67
      8069307         $85,000.00            5.970%             0.5000%          $425.00
      8069611         $280,000.00           5.845%             2.5833%         $7,233.33
      8070151         $384,000.00           5.970%             0.5000%         $1,920.00
      8072657         $148,000.00           5.970%             0.5000%          $740.00
      8072963         $106,300.00           5.845%             2.5833%         $2,746.08
      8073101         $340,000.00           5.970%             0.5000%         $1,700.00
      8073475         $213,644.00           5.970%             0.5000%         $1,068.22

 Friday, October 25, 2002                                                       Page 1 of 2

      8073657         $400,000.00           5.970%             0.5000%         $2,000.00
      8073785         $42,000.00            5.720%             4.6667%         $1,960.00
      8074247         $223,787.46           5.970%             0.5000%         $1,118.94
      8074751         $77,000.00            5.845%             2.5833%         $1,989.17
      8074789         $92,300.00            5.970%             0.5000%          $461.50
      8076151         $267,745.71           5.970%             0.5000%         $1,338.73
      8078701         $360,000.00           5.970%             0.5000%         $1,800.00
      8078731         $341,000.00           5.970%             0.5000%         $1,705.00
      8081357         $358,000.00           5.970%             0.5000%         $1,790.00
      8082783         $380,000.00           5.970%             0.5000%         $1,900.00
      8082785         $90,400.00            5.720%             4.6667%         $4,218.67
      8083181         $134,500.00           5.845%             2.5833%         $3,474.58
      8084901         $96,570.00            5.845%             2.5833%         $2,494.73
      8087171         $400,000.00           5.845%             2.5833%        $10,333.33
      8087427         $323,700.00           5.970%             0.5000%         $1,618.50
      8087819         $152,000.00           5.720%             4.6667%         $7,093.33
      8088615         $104,000.00           5.970%             0.5000%          $520.00
      8092883         $124,728.65           5.845%             2.5833%         $3,222.16
      8093001         $142,727.91           5.970%             0.5000%          $713.64
      8093009         $145,355.15           5.720%             4.6667%         $6,783.24
      8093155         $209,768.44           5.970%             0.5000%         $1,048.84
      8093189         $209,790.94           5.720%             4.6667%         $9,790.24
      8093193         $259,740.05           5.720%             4.6667%        $12,121.20
      8093225         $124,881.39           5.970%             0.5000%          $624.41
      8093229         $210,541.04           5.970%             0.5000%         $1,052.71
      8093253         $120,769.78           5.970%             0.5000%          $603.85
      8101949         $81,600.00            5.720%             4.6667%         $3,808.00
      8327774         $364,653.67           5.970%             0.5000%         $1,823.27
      8327864         $315,000.00           5.970%             0.5000%         $1,575.00

 Friday, October 25, 2002                                                       Page 2 of 2

</TABLE>

<PAGE>

                                  EXHIBIT THREE

                          INFORMATION TO BE INCLUDED IN
                       MONTHLY DISTRIBUTION DATE STATEMENT

(i)     (a) the amount of such  distribution to the  Certificateholders  of such
        Class applied to reduce the Certificate  Principal Balance thereof,  and
        (b)  the  aggregate  amount  included  therein  representing   Principal
        Prepayments;

(ii) the amount of such  distribution  to Holders of such Class of  Certificates
     allocable to interest;

(iii)if the  distribution  to the Holders of such Class of  Certificates is less
     than the full amount that would be  distributable  to such Holders if there
     were sufficient funds available therefor, the amount of the shortfall;

(iv) the amount of any Advance by the Master Servicer pursuant to Section 4.04;

(v)  the number and Pool Stated  Principal  Balance of the Mortgage  Loans after
     giving effect to the distribution of principal on such Distribution Date;

(vi) the aggregate  Certificate Principal Balance of each Class of Certificates,
     and each of the  related  Class CB  Percentage,  Class  NB  Percentage  and
     Subordinate   Class   Percentage,   after  giving  effect  to  the  amounts
     distributed on such Distribution Date, separately identifying any reduction
     thereof  due  to  Realized   Losses  other  than   pursuant  to  an  actual
     distribution of principal;

(vii)the  related  Subordinate  Principal  Distribution  Amount  and  Prepayment
     Distribution Percentage, if applicable;

(viii) on the basis of the most recent reports furnished to it by Sub-Servicers,
     the number and  aggregate  principal  balances of  Mortgage  Loans that are
     Delinquent  (A) 30-59 days,  (B) 60-89 days and (C) 90 or more days and the
     number  and  aggregate  principal  balance  of  Mortgage  Loans that are in
     foreclosure;

(ix) the  number,  aggregate  principal  balance  and  book  value  of  any  REO
     Properties;

(x)     the aggregate Accrued Certificate Interest remaining unpaid, if any, for
        each Class of Certificates, after giving effect to the distribution made
        on such Distribution Date;

(xi) the Special  Hazard Amount,  Fraud Loss Amount and Bankruptcy  Amount as of
     the close of business on such  Distribution  Date and a description  of any
     change in the calculation of such amounts;

(xii)the  weighted  average Pool Strip Rate for such  Distribution  Date and the
     Pass-Through  Rate with  respect  to the Class  A-V  Certificates  and each
     Subclass, if any, thereof;

<PAGE>

(xiii)  the  Notional  Amount  with  respect  to each  class  of  Interest  Only
        Certificates and each Subclass Notional Amount;

(xiv)   the occurrence of the Credit Support Depletion Date;

(xv) the related Senior Accelerated  Distribution  Percentage applicable to such
     distribution;

(xvi)   the related Senior Percentage for such Distribution Date;

(xvii)  the aggregate amount of Realized Losses for such Distribution Date;

(xviii) the aggregate  amount of any recoveries on previously  foreclosed  loans
        from Sellers due to a breach of a representation or warranty assigned to
        the Trustee pursuant to Section 2.04;

(xix)   the weighted  average  remaining  term to maturity of the Mortgage Loans
        after  giving  effect to the amounts  distributed  on such  Distribution
        Date;

(xx)    the weighted  average  Mortgage Rates of the Mortgage Loans after giving
        effect to the amounts distributed on such Distribution Date;

(xxi)the  Insured  Payment  for  such  Distribution  Date,  and  the  respective
     portions allocable to principal and interest for the Retail Certificates;

(xxii)  the Reserve Fund Withdrawal for such Distribution Date;

(xxiii)  the  amount  of  any  Certificate   Insurance  Payments  made  on  such
     Distribution  Date,  the amount of any  reimbursement  payment  made to the
     Certificate   Insurer  on  such   Distribution  Date  pursuant  to  Section
     4.02(a)(xvi) and the amount of Cumulative  Insurance  Payments after giving
     effect to any such Certificate  Insurance Payment or any such reimbursement
     payment to the Certificate Insurer; and

(xxiv) the amount of Rounding Account withdrawals for such Distribution Date.

        In the case of  information  furnished  pursuant to clauses (i) and (ii)
above,  the amounts shall be expressed as a dollar amount per Certificate with a
$1,000 denomination.

        The Trustee's internet website, and assistance in using the website, can
be  obtained  by  calling  the  Trustee's  Shareholder  Relations  desk at (800)
735-7777.  To receive this statement via first class mail, telephone the Trustee
at (800) 735-7777.

<PAGE>

                                  EXHIBIT FOUR

                     STANDARD TERMS OF POOLING AND SERVICING
                      AGREEMENT DATED AS OF AUGUST 1, 2002

                                 EXECUTION COPY

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

                                STANDARD TERMS OF
                         POOLING AND SERVICING AGREEMENT

                           Dated as of August 1, 2002

                        Residential Accredit Loans, Inc.
                 Mortgage Asset-Backed Pass-Through Certificates

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

<PAGE>
<TABLE>
<CAPTION>

                                TABLE OF CONTENTS

                                                                                            PAGE

                                                -i-

<S>                                                                                        <C>
Article I         DEFINITIONS...............................................................2

        Section 1.01. Definitions...........................................................2

        Section 1.02. Use of Words and Phrases.............................................31

Article II        CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........32

        Section 2.01. Conveyance of Mortgage Loans.........................................32

        Section 2.02. Acceptance by Trustee................................................38

        Section 2.03. Representations, Warranties and Covenants of the Master Servicer
               and the Company.............................................................39

        Section 2.04. Representations and Warranties of Sellers............................41

        Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates
               Evidencing Interests in REMIC I Certificates................................43

        Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests;
               Acceptance by the Trustee...................................................43

        Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II............43

        Section 2.08. Purposes and Powers of the Trust.....................................43

Article III       ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................44

        Section 3.01. Master Servicer to Act as Servicer...................................44

        Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement
               of Subservicers' and Sellers' Obligations...................................45

        Section 3.03. Successor Subservicers...............................................46

        Section 3.04. Liability of the Master Servicer.....................................47

        Section 3.05. No Contractual Relationship Between Subservicer and Trustee or
               Certificateholders..........................................................47

        Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee..... 47

        Section 3.07. Collection of Certain Mortgage Loan Payments;  Deposits to Custodial Account
               48

        Section 3.08. Subservicing Accounts; Servicing Accounts............................50

        Section 3.09. Access to Certain Documentation and  Information Regarding the
                        Mortgage Loans ....................................................52

        Section 3.10. Permitted Withdrawals from the Custodial Account.....................52

<PAGE>

        Section 3.11. Maintenance of the Primary Insurance  Policies; Collections Thereunder54

        Section 3.12. Maintenance of Fire Insurance and  Omissions and Fidelity Coverage...55

        Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and  Modification Agreements;
               Certain Assignments.........................................................56

        Section 3.14. Realization Upon Defaulted Mortgage Loans............................58

        Section 3.15. Trustee to Cooperate; Release of Mortgage Files......................61

        Section 3.16. Servicing and Other Compensation; Compensating Interest..............63

        Section 3.17. Reports to the Trustee and the Company...............................64

        Section 3.18. Annual Statement as to Compliance....................................64

        Section 3.19. Annual Independent Public Accountants' Servicing Report..............64

        Section 3.20. Rights of the Company in Respect of the Master Servicer..............65

        Section 3.21. Administration of Buydown Funds......................................65

Article IV        PAYMENTS TO CERTIFICATEHOLDERS...........................................67

        Section 4.01. Certificate Account..................................................67

        Section 4.02. Distributions........................................................67

        Section 4.03. Statements to Certificateholders.....................................67

        Section 4.04. Distribution of Reports to the Trustee and  the Company; Advances by the
               Master Servicer.............................................................68

        Section 4.05. Allocation of Realized Losses........................................70

        Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property........70

        Section 4.07. Optional Purchase of Defaulted Mortgage Loans........................70

        Section 4.08. Surety Bond..........................................................70

Article V         THE CERTIFICATES.........................................................72

        Section 5.01. The Certificates.....................................................72

        Section 5.02. Registration of Transfer and Exchange of Certificates................74

        Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates....................79

        Section 5.04. Persons Deemed Owners................................................80

        Section 5.05. Appointment of Paying Agent..........................................80
<PAGE>

Article VI        THE COMPANY AND THE MASTER SERVICER......................................81

        Section 6.01. Respective Liabilities of the Company and the Master Servicer........81

        Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of
               Rights and Delegation of Duties by Master Servicer..........................81

        Section 6.03. Limitation on Liability of the Company,  the Master Servicer and Others 82

        Section 6.04. Company and Master Servicer Not to Resign............................83

Article VII       DEFAULT..................................................................84

        Section 7.01. Events of Default....................................................84

        Section 7.02. Trustee or Company to Act; Appointment of Successor..................86

        Section 7.03. Notification to Certificateholders...................................87

        Section 7.04. Waiver of Events of Default..........................................87

Article VIII      CONCERNING THE TRUSTEE...................................................88

        Section 8.01. Duties of Trustee....................................................88

        Section 8.02. Certain Matters Affecting the Trustee................................89

        Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans................91

        Section 8.04. Trustee May Own Certificates.........................................91

        Section 8.05. Master Servicer to Pay Trustee's Fees  and Expenses; Indemnification.91

        Section 8.06. Eligibility Requirements for Trustee.................................92

        Section 8.07. Resignation and Removal of the Trustee...............................93

        Section 8.08. Successor Trustee....................................................93

        Section 8.09. Merger or Consolidation of Trustee...................................94

        Section 8.10. Appointment of Co-Trustee or Separate Trustee........................94

        Section 8.11. Appointment of Custodians............................................95

        Section 8.12. Appointment of Office or Agency......................................96

Article IX        TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES.....................97

        Section 9.01. Optional  Purchase by the Master Servicer of All Certificates; Termination
               Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans...97
<PAGE>

        Section 9.02. Additional Termination Requirements.................................100

        Section 9.03. Termination of Multiple REMICs......................................101

Article X         REMIC PROVISIONS........................................................102

        Section 10.01.REMIC Administration................................................102

        Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification....105

        Section 10.03.Designation of REMIC(s).............................................106

Article XI        MISCELLANEOUS PROVISIONS................................................107

        Section 11.01.Amendment...........................................................107

        Section 11.02.Recordation of Agreement; Counterparts..............................109

        Section 11.03.Limitation on Rights of Certificateholders..........................110

        Section 11.04.Governing Law.......................................................110

        Section 11.05.Notices.............................................................111

        Section 11.06.Required Notices to Rating Agency and Subservicer...................111

        Section 11.07.Severability of Provisions..........................................111

        Section 11.08.Supplemental Provisions for Resecuritization........................112

        Section 11.09.Allocation of Voting Rights.........................................112

        Section 11.10.No Petition.........................................................112

<PAGE>

                                    EXHIBITS

Exhibit A:      Form of Class A Certificate
Exhibit B:      Form of Class M Certificate
Exhibit C:      Form of Class B Certificate
Exhibit D:      Form of Class R Certificate
Exhibit E:      Form of Seller/Servicer Contract
Exhibit F:      Forms of Request for Release
Exhibit G-1:    Form of Transfer Affidavit and Agreement
Exhibit G-2:    Form of Transferor Certificate
Exhibit H:      Form of Investor Representation Letter
Exhibit I:      Form of Transferor Representation Letter
Exhibit J:      Form of Rule 144A Investment Representation Letter
Exhibit K:      Text of Amendment to Pooling and Servicing Agreement
                Pursuant to Section 11.01(e) for a Limited Guaranty
Exhibit L:      Form of Limited Guaranty
Exhibit M:      Form of Lender Certification for Assignment of Mortgage Loan
Exhibit N:      Request for Exchange Form

</TABLE>

<PAGE>

        This is the Standard Terms of Pooling and Servicing Agreement,  dated as
of August 1, 2002 (the "Standard Terms", and as incorporated by reference into a
Series  Supplement  dated as of the Cut-off  Date,  the "Pooling  and  Servicing
Agreement" or  "Agreement"),  among  RESIDENTIAL  ACCREDIT  LOANS,  INC., as the
company  (together with its permitted  successors and assigns,  the  "Company"),
RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted
successors  and assigns,  the "Master  Servicer"),  and the trustee named in the
applicable  Series  Supplement  (together  with  its  permitted  successors  and
assigns, the "Trustee").

                             PRELIMINARY STATEMENT:

        The Company intends to sell certain mortgage  asset-backed  pass-through
certificates  (collectively,  the  "Certificates"),   to  be  issued  under  the
Agreement in multiple  classes,  which in the aggregate will evidence the entire
beneficial ownership interest in the Mortgage Loans.

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

<PAGE>

                                   ARTICLE I

                                   DEFINITIONS

Section 1.01.  Definitions.

        Whenever used in this Agreement, the following words and phrases, unless
the  context  otherwise  requires,  shall have the  meanings  specified  in this
Article.

        Accretion Termination Date:  As defined in the Series Supplement.

        Accrual Certificates:  As defined in the Series Supplement.

        Accrued Certificate Interest: With respect to each Distribution Date, as
to any  Class  or  Subclass  of  Certificates  (other  than any  Principal  Only
Certificates),  interest  accrued during the related  Interest Accrual Period at
the related  Pass-Through Rate on the Certificate  Principal Balance or Notional
Amount thereof  immediately prior to such Distribution Date. Accrued Certificate
Interest will be calculated on the basis of a 360-day year, consisting of twelve
30-day  months.  In each  case  Accrued  Certificate  Interest  on any  Class or
Subclass of Certificates will be reduced by the amount of:

        (i)    Prepayment  Interest  Shortfalls on all Mortgage Loans or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans in the  related  Loan  Group (to the  extent  not
               offset by the  Master  Servicer  with a payment  of  Compensating
               Interest as provided in Section 4.01),

         (ii)  the interest  portion  (adjusted to the Net Mortgage Rate (or the
               Modified  Net  Mortgage  Rate in the case of a Modified  Mortgage
               Loan))  of  Realized  Losses  on all  Mortgage  Loans  or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans  in the  related  Loan  Group  (including  Excess
               Special Hazard  Losses,  Excess Fraud Losses,  Excess  Bankruptcy
               Losses and  Extraordinary  Losses) not allocated solely to one or
               more specific Classes of Certificates pursuant to Section 4.05,

         (iii) the interest  portion of Advances that were (A)  previously  made
               with  respect to a Mortgage  Loan or REO Property on all Mortgage
               Loans or, if the  Mortgage  Pool is comprised of two or more Loan
               Groups,  on the Mortgage  Loans in the related Loan Group,  which
               remained  unreimbursed  following  the  Cash  Liquidation  or REO
               Disposition  of such  Mortgage  Loan or REO Property and (B) made
               with respect to delinquencies that were ultimately  determined to
               be Excess  Special  Hazard  Losses,  Excess Fraud Losses,  Excess
               Bankruptcy Losses or Extraordinary Losses, and

        (iv)   any other interest  shortfalls  not covered by the  subordination
               provided by the Class M  Certificates  and Class B  Certificates,
               including  interest  that is not  collectible  from the Mortgagor
               pursuant to the Soldiers' and Sailors'  Civil Relief Act of 1940,
               as amended,  or similar  legislation  or regulations as in effect
               from time to time,

                                       2
<PAGE>

with  all  such  reductions  allocated  (A)  among  all of the  Certificates  in
proportion to their respective amounts of Accrued  Certificate  Interest payable
on such  Distribution Date absent such reductions or (B) if the Mortgage Pool is
comprised  of two or more Loan Groups,  the related  Senior  Percentage  of such
reductions among the related Senior Certificates in proportion to the amounts of
Accrued  Certificate  Interest  payable  from  the  related  Loan  Group on such
Distribution Date absent such reductions,  with the remainder of such reductions
allocated among the holders of the Class M Certificates and Class B Certificates
in  proportion  to their  respective  amounts  of Accrued  Certificate  Interest
payable on such  Distribution  Date absent such reductions.  In addition to that
portion of the reductions described in the preceding sentence that are allocated
to any  Class  of Class B  Certificates  or any  Class of Class M  Certificates,
Accrued Certificate Interest on such Class of Class B Certificates or such Class
of Class M Certificates will be reduced by the interest portion (adjusted to the
Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of
Class B Certificates  or such Class of Class M Certificates  pursuant to Section
4.05.

     Addendum and Assignment  Agreement:  The Addendum and Assignment Agreement,
dated as of January 31, 1995, between MLCC and the Master Servicer.

        Additional  Collateral:  Any of the  following  held, in addition to the
related  Mortgaged  Property,  as security for a Mortgage  Loan:  (i) all money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
rights,  instruments,  documents,  deposit  accounts,  certificates  of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description now existing or hereafter acquired which is pledged
as  security  for  the  repayment  of  such  Mortgage  Loan,  (ii)   third-party
guarantees,  and (A) all money,  securities,  security  entitlements,  accounts,
general intangibles,  payment rights, instruments,  documents, deposit accounts,
certificates of deposit, commodities contracts and other investment property and
other  property of  whatever  kind or  description  now  existing  or  hereafter
acquired  which is pledged as collateral for such guarantee or (B) any mortgaged
property  securing  the  performance  of such  guarantee,  or (iii)  such  other
collateral as may be set forth in the Series Supplement.

     Additional  Collateral  Loan:  Each  Mortgage  Loan  that is  supported  by
Additional Collateral.

        Adjusted  Mortgage Rate:  With respect to any Mortgage Loan and any date
of determination, the Mortgage Rate borne by the related Mortgage Note, less the
rate at which the related Subservicing Fee accrues.

     Advance:  As to any Mortgage Loan, any advance made by the Master Servicer,
pursuant to Section 4.04.

        Affiliate:  With respect to any Person,  any other  Person  controlling,
controlled by or under common  control with such first Person.  For the purposes
of this  definition,  "control"  means the power to direct  the  management  and
policies of such Person,  directly or indirectly,  whether through the ownership
of voting securities,  by contract or otherwise; and the terms "controlling" and
"controlled" have meanings correlative to the foregoing.

                                       3
<PAGE>

     Ambac:  Ambac  Assurance  Corporation  (formerly  known as AMBAC  Indemnity
Corporation).

        Amount Held for Future  Distribution:  As to any Distribution  Date and,
with respect to any Mortgage  Pool that is comprised of two or more Loan Groups,
each Loan Group,  the total of the amounts held in the Custodial  Account at the
close  of  business  on the  preceding  Determination  Date  on  account  of (i)
Liquidation Proceeds, Subsequent Recoveries,  Insurance Proceeds,  Curtailments,
Mortgage Loan  purchases made pursuant to Section 2.02,  2.03,  2.04 or 4.07 and
Mortgage  Loan  substitutions  made pursuant to Section 2.03 or 2.04 received or
made in the  month  of such  Distribution  Date  (other  than  such  Liquidation
Proceeds,  Insurance  Proceeds and  purchases of Mortgage  Loans that the Master
Servicer has deemed to have been received in the  preceding  month in accordance
with Section 3.07(b)),  and Principal Prepayments in Full made after the related
Prepayment  Period, and (ii) payments which represent early receipt of scheduled
payments of  principal  and interest  due on a date or dates  subsequent  to the
related Due Date.

        Appraised  Value:  As to any Mortgaged  Property,  the lesser of (i) the
appraised value of such Mortgaged  Property based upon the appraisal made at the
time of the  origination of the related  Mortgage Loan, and (ii) the sales price
of the Mortgaged  Property at such time of origination,  except in the case of a
Mortgaged  Property  securing a refinanced or modified Mortgage Loan as to which
it is  either  the  appraised  value  determined  above or the  appraised  value
determined in an appraisal at the time of  refinancing or  modification,  as the
case may be.

        Assigned  Contracts:  With respect to any Pledged Asset Loan: the Credit
Support Pledge Agreement; the Funding and Pledge Agreement,  among GMAC Mortgage
Corporation,  National Financial Services Corporation and the Mortgagor or other
person pledging the related Pledged Assets; the Additional Collateral Agreement,
between GMAC Mortgage Corporation and the Mortgagor or other person pledging the
related  Pledged  Assets;  or such  other  contracts  as may be set forth in the
Series Supplement.

        Assignment:  An  assignment  of the  Mortgage,  notice  of  transfer  or
equivalent  instrument,  in recordable  form,  sufficient  under the laws of the
jurisdiction  wherein  the related  Mortgaged  Property is located to reflect of
record  the  sale  of the  Mortgage  Loan to the  Trustee  for  the  benefit  of
Certificateholders,   which   assignment,   notice  of  transfer  or  equivalent
instrument  may be in the  form  of one or  more  blanket  assignments  covering
Mortgages  secured  by  Mortgaged  Properties  located  in the same  county,  if
permitted by law and accompanied by an Opinion of Counsel to that effect.

        Assignment Agreement: The Assignment and Assumption Agreement, dated the
Closing  Date,  between  Residential  Funding  and the  Company  relating to the
transfer and assignment of the Mortgage Loans.

        Assignment of Proprietary Lease: With respect to a Cooperative Loan, the
assignment of the related Cooperative Lease from the Mortgagor to the originator
of the Cooperative Loan.

        Available  Distribution  Amount:  As to any Distribution  Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan Groups,  each Loan
Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage
Loans on deposit in the  Custodial  Account as of the close of  business  on the

                                       4
<PAGE>

immediately preceding  Determination Date, including any Subsequent  Recoveries,
and  amounts   deposited  in  the  Custodial  Account  in  connection  with  the
substitution  of Qualified  Substitute  Mortgage  Loans,  (ii) the amount of any
Advance made on the  immediately  preceding  Certificate  Account  Deposit Date,
(iii) any amount deposited in the Certificate Account on the related Certificate
Account Deposit Date pursuant to the second paragraph of Section  3.12(a),  (iv)
any amount  deposited in the Certificate  Account  pursuant to Section 4.07, (v)
any amount  that the Master  Servicer  is not  permitted  to  withdraw  from the
Custodial Account or the Certificate  Account pursuant to Section 3.16(e),  (vi)
any amount  received  by the  Trustee  pursuant to the Surety Bond in respect of
such  Distribution Date and (vii) the proceeds of any Pledged Assets received by
the Master  Servicer,  reduced by (b) the sum as of the close of business on the
immediately  preceding  Determination Date of (w) aggregate Foreclosure Profits,
(x) the Amount Held for Future  Distribution,  and (y) amounts  permitted  to be
withdrawn by the Master  Servicer from the  Custodial  Account in respect of the
Mortgage Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Such
amount shall be determined  separately for each Loan Group.  Additionally,  with
respect to any Mortgage Pool that is comprised of two or more Loan Groups, if on
any Distribution  Date  Compensating  Interest provided pursuant to this Section
3.16(e) is less than  Prepayment  Interest  Shortfalls  incurred on the Mortgage
Loans in connection with Principal  Prepayments in Full and Curtailments made in
the prior calendar month, such Compensating  Interest shall be allocated on such
Distribution Date to the Available  Distribution Amount for each Loan Group on a
pro rata basis in  accordance  with the  respective  amounts of such  Prepayment
Interest Shortfalls incurred on the Mortgage Loans in such Loan Group in respect
of such Distribution Date.

        Bankruptcy Code:  The Bankruptcy Code of 1978, as amended.
        ---------------

        Bankruptcy  Loss:  With  respect  to  any  Mortgage  Loan,  a  Deficient
Valuation or Debt Service Reduction; provided, however, that neither a Deficient
Valuation  nor a Debt  Service  Reduction  shall  be  deemed a  Bankruptcy  Loss
hereunder  so long as the Master  Servicer  has  notified the Trustee in writing
that the Master  Servicer is diligently  pursuing any remedies that may exist in
connection  with the  representations  and warranties made regarding the related
Mortgage  Loan and either (A) the related  Mortgage  Loan is not in default with
regard to payments due  thereunder or (B)  delinquent  payments of principal and
interest  under the related  Mortgage  Loan and any  premiums on any  applicable
primary hazard  insurance  policy and any related escrow  payments in respect of
such Mortgage Loan are being advanced on a current basis by the Master  Servicer
or a  Subservicer,  in either case  without  giving  effect to any Debt  Service
Reduction.

        Book-Entry  Certificate:  Any Certificate  registered in the name of the
Depository or its nominee,  and designated as such in the Preliminary  Statement
to the Series Supplement.

        Business  Day:  Any day other than (i) a Saturday  or a Sunday or (ii) a
day on which  banking  institutions  in the  State  of New  York,  the  State of
Michigan, the State of California or the State of Illinois (and such other state
or states in which the Custodial  Account or the Certificate  Account are at the
time located) are required or authorized by law or executive order to be closed.

                                       5
<PAGE>

        Buydown  Funds:  Any amount  contributed  by the  seller of a  Mortgaged
Property, the Company or other source in order to enable the Mortgagor to reduce
the payments  required to be made from the Mortgagor's  funds in the early years
of a  Mortgage  Loan.  Buydown  Funds  are not part of the Trust  Fund  prior to
deposit into the Custodial or Certificate Account.

        Buydown  Mortgage Loan: Any Mortgage Loan as to which a specified amount
of interest is paid out of related  Buydown Funds in  accordance  with a related
buydown agreement.

        Cash  Liquidation:  As to  any  defaulted  Mortgage  Loan  other  than a
Mortgage Loan as to which an REO Acquisition  occurred,  a determination  by the
Master  Servicer  that  it has  received  all  Insurance  Proceeds,  Liquidation
Proceeds  and  other  payments  or cash  recoveries  which the  Master  Servicer
reasonably and in good faith expects to be finally  recoverable  with respect to
such Mortgage Loan.

     Certificate Account Deposit Date: As to any Distribution Date, the Business
Day prior thereto.

        Certificateholder  or Holder:  The Person in whose name a Certificate is
registered  in  the  Certificate  Register,  and,  in  respect  of  any  Insured
Certificates,  the  Certificate  Insurer to the extent of  Cumulative  Insurance
Payments,  except that  neither a  Disqualified  Organization  nor a  Non-United
States  Person shall be a holder of a Class R  Certificate  for purposes  hereof
and, solely for the purpose of giving any consent or direction  pursuant to this
Agreement, any Certificate, other than a Class R Certificate,  registered in the
name of the Company,  the Master  Servicer or any  Subservicer  or any Affiliate
thereof shall be deemed not to be  outstanding  and the  Percentage  Interest or
Voting Rights  evidenced  thereby shall not be taken into account in determining
whether the requisite amount of Percentage  Interests or Voting Rights necessary
to effect any such consent or direction has been obtained. All references herein
to "Holders" or  "Certificateholders"  shall  reflect the rights of  Certificate
Owners as they may  indirectly  exercise such rights  through the Depository and
participating members thereof,  except as otherwise specified herein;  provided,
however,  that the  Trustee  shall be  required  to  recognize  as a "Holder" or
"Certificateholder" only the Person in whose name a Certificate is registered in
the Certificate Register.

        Certificate Insurer: As defined in the Series Supplement.

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

     Certificate Principal Balance: With respect to each Certificate (other than
any Interest Only  Certificate),  on any date of determination,  an amount equal
to:

     (i)  the  Initial  Certificate  Principal  Balance of such  Certificate  as
          specified on the face thereof, plus

     (ii) any Subsequent  Recoveries added to the Certificate  Principal Balance
          of such Certificate pursuant to Section 4.02, plus

                                       6
<PAGE>

     (iii)in the  case of each  Accrual  Certificate,  an  amount  equal  to the
          aggregate  Accrued  Certificate  Interest  added  to  the  Certificate
          Principal Balance thereof prior to such date of determination, minus

     (iv) the sum of (x) the  aggregate  of all amounts  previously  distributed
          with respect to such Certificate (or any predecessor  Certificate) and
          applied to reduce the Certificate  Principal  Balance thereof pursuant
          to  Section  4.02(a)  and  (y)  the  aggregate  of all  reductions  in
          Certificate  Principal  Balance  deemed to have occurred in connection
          with  Realized  Losses  which  were   previously   allocated  to  such
          Certificate (or any predecessor Certificate) pursuant to Section 4.05;

provided,  that the  Certificate  Principal  Balance of each  Certificate of the
Class of  Subordinate  Certificates  with the Lowest  Priority at any given time
shall  be  further  reduced  by an  amount  equal  to  the  Percentage  Interest
represented  by such  Certificate  multiplied by the excess,  if any, of (A) the
then aggregate Certificate Principal Balance of all Classes of Certificates then
outstanding over (B) the then aggregate Stated Principal Balance of the Mortgage
Loans.

     Certificate Register and Certificate Registrar: The register maintained and
the registrar appointed pursuant to Section 5.02.

        Class:   Collectively,   all  of  the  Certificates   bearing  the  same
designation.  The initial Class A-V Certificates and any Subclass thereof issued
pursuant  to  Section  5.01(c)  shall be a single  Class  for  purposes  of this
Agreement.

     Class A-P Certificate:  Any one of the  Certificates  designated as a Class
A-P Certificate.

        Class A-P Collection Shortfall:  With respect to the Cash Liquidation or
REO  Disposition  of a Discount  Mortgage Loan and any  Distribution  Date,  the
excess of the  amount  described  in  Section  4.02(b)(i)(C)(1)  over the amount
described in Section 4.02(b)(i)(C)(2).

        Class A-P Principal Distribution Amount:  As defined in Section 4.02.

     Class A-V Certificate:  Any one of the  Certificates  designated as a Class
A-V Certificate, including any Subclass thereof.

        Class B Certificate:  Any one of the Certificates  designated as a Class
B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate.

        Class M Certificate:  Any one of the Certificates  designated as a Class
M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate.

        Closing Date:  As defined in the Series Supplement.

        Code:  The Internal Revenue Code of 1986.

     Combined  Collateral  LLC:  Combined  Collateral  LLC, a  Delaware  limited
liability company.

                                       7
<PAGE>

        Compensating Interest:  With respect to any Distribution Date, an amount
equal to Prepayment Interest Shortfalls resulting from Principal  Prepayments in
Full  during the related  Prepayment  Period and  Curtailments  during the prior
calendar  month and  included  in the  Available  Distribution  Amount  for such
Distribution  Date, but not more than the lesser of (a) one-twelfth of 0.125% of
the Stated Principal  Balance of the Mortgage Loans  immediately  preceding such
Distribution  Date and (b) the sum of the  Servicing Fee and all income and gain
on amounts held in the Custodial Account and the Certificate Account and payable
to the Certificateholders  with respect to such Distribution Date; provided that
for  purposes of this  definition  the amount of the  Servicing  Fee will not be
reduced pursuant to Section 7.02 except as may be required  pursuant to the last
sentence of such Section.

        Cooperative:  A private,  cooperative  housing corporation which owns or
leases land and all or part of a building or  buildings,  including  apartments,
spaces used for commercial  purposes and common areas therein and whose board of
directors authorizes, among other things, the sale of Cooperative Stock.

        Cooperative  Apartment:  A dwelling  unit in a  multi-dwelling  building
owned or leased by a  Cooperative,  which unit the  Mortgagor  has an  exclusive
right to  occupy  pursuant  to the  terms of a  proprietary  lease or  occupancy
agreement.

        Cooperative  Lease:  With respect to a Cooperative Loan, the proprietary
lease or occupancy agreement with respect to the Cooperative  Apartment occupied
by the Mortgagor and relating to the related  Cooperative  Stock, which lease or
agreement  confers an exclusive right to the holder of such Cooperative Stock to
occupy such apartment.

        Cooperative  Loans:  Any of the  Mortgage  Loans  made in  respect  of a
Cooperative  Apartment,  evidenced  by a  Mortgage  Note  and  secured  by (i) a
Security  Agreement,  (ii) the related  Cooperative Stock Certificate,  (iii) an
assignment of the Cooperative  Lease, (iv) financing  statements and (v) a stock
power (or other  similar  instrument),  and  ancillary  thereto,  a  recognition
agreement  between the Cooperative  and the originator of the Cooperative  Loan,
each of which was  transferred  and assigned to the Trustee  pursuant to Section
2.01 and are from time to time held as part of the Trust Fund.

     Cooperative   Stock:  With  respect  to  a  Cooperative  Loan,  the  single
outstanding class of stock,  partnership  interest or other ownership instrument
in the related Cooperative.

     Cooperative  Stock  Certificate:  With respect to a Cooperative  Loan,  the
stock certificate or other instrument evidencing the related Cooperative Stock.

        Credit Support Depletion Date: The first  Distribution Date on which the
Certificate Principal Balances of the Subordinate Certificates have been reduced
to zero.

        Credit Support Pledge  Agreement:  The Credit Support Pledge  Agreement,
dated as of  November  24,  1998,  among  the  Master  Servicer,  GMAC  Mortgage
Corporation, Combined Collateral LLC and The First National Bank of Chicago (now
known as Bank One, National Association), as custodian.

        Cumulative Insurance Payments:  As defined in the Series Supplement.

                                       8
<PAGE>

     Curtailment:  Any Principal  Prepayment  made by a Mortgagor which is not a
Principal Prepayment in Full.

        Custodial  Account:  The  custodial  account  or  accounts  created  and
maintained pursuant to Section 3.07 in the name of a depository institution,  as
custodian for the holders of the Certificates,  for the holders of certain other
interests in mortgage loans serviced or sold by the Master  Servicer and for the
Master  Servicer,  into which the  amounts  set forth in  Section  3.07 shall be
deposited directly. Any such account or accounts shall be an Eligible Account.

        Custodial  Agreement:  An  agreement  that may be entered into among the
Company, the Master Servicer,  the Trustee and a Custodian pursuant to which the
Custodian will hold certain  documents  relating to the Mortgage Loans on behalf
of the Trustee.

        Custodian:  A custodian appointed pursuant to a Custodial Agreement.

        Cut-off Date  Principal  Balance:  As to any Mortgage  Loan,  the unpaid
principal  balance  thereof  at the  Cut-off  Date  after  giving  effect to all
installments of principal due on or prior thereto, whether or not received.

        Debt Service  Reduction:  With respect to any Mortgage Loan, a reduction
in the scheduled  Monthly Payment for such Mortgage Loan by a court of competent
jurisdiction in a proceeding under the Bankruptcy Code,  except such a reduction
constituting a Deficient  Valuation or any reduction that results in a permanent
forgiveness of principal.

        Deficient Valuation: With respect to any Mortgage Loan, a valuation by a
court of competent jurisdiction of the Mortgaged Property in an amount less than
the then outstanding  indebtedness  under the Mortgage Loan, or any reduction in
the amount of  principal to be paid in  connection  with any  scheduled  Monthly
Payment that constitutes a permanent  forgiveness of principal,  which valuation
or reduction results from a proceeding under the Bankruptcy Code.

     Definitive   Certificate:   Any   Certificate   other  than  a   Book-Entry
Certificate.

     Deleted  Mortgage  Loan: A Mortgage  Loan replaced or to be replaced with a
Qualified Substitute Mortgage Loan.

        Delinquent:  As used herein, a Mortgage Loan is considered to be: "30 to
59 days" or "30 or more days" delinquent when a payment due on any scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately  prior to the next following  monthly  scheduled due date; "60 to 89
days" or "60 or more days"  delinquent  when a payment due on any  scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately prior to the second following monthly scheduled due date; and so on.
The  determination  as to whether a Mortgage Loan falls into these categories is
made as of the close of business  on the last  business  day of each month.  For
example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of
the close of  business on July 31 would then be  considered  to be 30 to 59 days
delinquent.  Delinquency  information  as of the Cut-off Date is determined  and
prepared as of the close of business on the last business day immediately  prior
to the Cut-off Date.

                                       9
<PAGE>

        Depository:  The Depository Trust Company,  or any successor  Depository
hereafter  named.  The  nominee  of  the  initial  Depository  for  purposes  of
registering those Certificates that are to be Book-Entry  Certificates is Cede &
Co. The Depository shall at all times be a "clearing  corporation" as defined in
Section  8-102(a)(5) of the Uniform Commercial Code of the State of New York and
a "clearing agency" registered  pursuant to the provisions of Section 17A of the
Securities Exchange Act of 1934, as amended.

        Depository  Participant:  A  broker,  dealer,  bank or  other  financial
institution  or other  Person  for whom from time to time a  Depository  effects
book-entry transfers and pledges of securities deposited with the Depository.

     Destroyed  Mortgage  Note:  A  Mortgage  Note the  original  of  which  was
permanently lost or destroyed and has not been replaced.

        Determination Date: As defined in the Series Supplement.

        Discount  Fraction:  With respect to each Discount  Mortgage  Loan,  the
fraction  expressed as a percentage,  the numerator of which is the Discount Net
Mortgage Rate minus the Net Mortgage Rate (or the initial Net Mortgage Rate with
respect to any Discount Mortgage Loans as to which the Mortgage Rate is modified
pursuant to 3.07(a)) for such Mortgage Loan and the  denominator of which is the
Discount Net Mortgage Rate. The Discount  Fraction with respect to each Discount
Mortgage Loan is set forth as an exhibit attached to the Series Supplement.

        Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate (or
the initial Net Mortgage  Rate) of less than the Discount Net Mortgage  Rate per
annum and any Mortgage  Loan deemed to be a Discount  Mortgage  Loan pursuant to
the definition of Qualified Substitute Mortgage Loan.

        Discount Net Mortgage Rate:  As defined in the Series Supplement.

        Disqualified  Organization:  Any organization defined as a "disqualified
organization"  under  Section  860E(e)(5)  of the  Code,  and  if not  otherwise
included,  any of the following:  (i) the United States,  any State or political
subdivision  thereof,  any  possession  of the United  States,  or any agency or
instrumentality of any of the foregoing (other than an instrumentality  which is
a corporation if all of its  activities  are subject to tax and,  except for the
Freddie  Mac, a  majority  of its board of  directors  is not  selected  by such
governmental unit), (ii) a foreign government,  any international  organization,
or any agency or instrumentality of any of the foregoing, (iii) any organization
(other than certain farmers' cooperatives  described in Section 521 of the Code)
which is exempt from the tax imposed by Chapter 1 of the Code (including the tax
imposed by Section 511 of the Code on unrelated  business taxable income),  (iv)
rural electric and telephone  cooperatives described in Section 1381(a)(2)(C) of
the Code, (v) any "electing large  partnership," as defined in Section 775(a) of
the Code and (vi) any other Person so  designated  by the Trustee  based upon an
Opinion  of  Counsel  that the  holding of an  Ownership  Interest  in a Class R
Certificate  by such  Person may cause the Trust  Fund or any  Person  having an
Ownership  Interest in any Class of  Certificates  (other  than such  Person) to
incur a liability  for any  federal  tax  imposed  under the Code that would not
otherwise be imposed but for the Transfer of an Ownership  Interest in a Class R
Certificate   to  such  Person.   The  terms   "United   States",   "State"  and
"international  organization"  shall have the meanings set forth in Section 7701
of the Code or successor provisions.

                                       10
<PAGE>

        Distribution  Date:  The 25th day of any  month  beginning  in the month
immediately  following the month of the initial issuance of the Certificates or,
if such 25th day is not a Business Day, the Business Day  immediately  following
such 25th day.

     Due Date: With respect to any Distribution  Date and any Mortgage Loan, the
day during the related Due Period on which the Monthly Payment is due.

     Due Period: With respect to any Distribution Date, the one-month period set
forth in the Series Supplement.

        Eligible  Account:  An  account  that  is  any  of  the  following:  (i)
maintained with a depository institution the debt obligations of which have been
rated by each Rating Agency in its highest rating available,  or (ii) an account
or accounts in a depository institution in which such accounts are fully insured
to the limits established by the FDIC, provided that any deposits not so insured
shall, to the extent  acceptable to each Rating Agency, as evidenced in writing,
be maintained such that (as evidenced by an Opinion of Counsel  delivered to the
Trustee and each Rating Agency) the registered  Holders of  Certificates  have a
claim with  respect to the funds in such account or a perfected  first  security
interest   against  any   collateral   (which  shall  be  limited  to  Permitted
Investments)  securing  such  funds  that is  superior  to  claims  of any other
depositors or creditors of the depository institution with which such account is
maintained,  or (iii) in the case of the Custodial  Account,  a trust account or
accounts  maintained in the  corporate  trust  department of Bank One,  National
Association,  or (iv) in the case of the Certificate Account, a trust account or
accounts  maintained in the corporate  trust division of the Trustee,  or (v) an
account or accounts of a depository institution acceptable to each Rating Agency
(as  evidenced in writing by each Rating  Agency that use of any such account as
the  Custodial  Account or the  Certificate  Account  will not reduce the rating
assigned to any Class of  Certificates  by such Rating Agency below the lower of
the  then-current  rating or the rating assigned to such  Certificates as of the
Closing Date by such Rating Agency).

        Event of Default:  As defined in Section 7.01.

     Excess  Bankruptcy  Loss: Any Bankruptcy  Loss, or portion  thereof,  which
exceeds the then applicable Bankruptcy Amount.

     Excess Fraud Loss:  Any Fraud Loss, or portion  thereof,  which exceeds the
then applicable Fraud Loss Amount.

     Excess Special  Hazard Loss:  Any Special Hazard Loss, or portion  thereof,
that exceeds the then applicable Special Hazard Amount.

        Excess  Subordinate  Principal Amount:  With respect to any Distribution
Date on which  the  aggregate  Certificate  Principal  Balance  of the  Class of
Subordinate  Certificates  then  outstanding  with the Lowest  Priority is to be
reduced to zero and on which  Realized  Losses are to be allocated to such class
or classes,  the  excess,  if any,  of (i) the amount  that would  otherwise  be
distributable  in respect of principal on such class or classes of  Certificates
on such  Distribution  Date  over  (ii) the  excess,  if any,  of the  aggregate
Certificate   Principal  Balance  of  such  class  or  classes  of  Certificates

                                       11
<PAGE>

immediately  prior to such  Distribution  Date  over  the  aggregate  amount  of
Realized  Losses  to be  allocated  to  such  classes  of  Certificates  on such
Distribution  Date as  reduced  by any  amount  calculated  pursuant  to Section
4.02(b)(i)(E).  With  respect to any  Mortgage  Pool that is comprised of two or
more Loan  Groups,  the Excess  Subordinate  Principal  Amount will be allocated
between  each Loan  Group on a pro rata basis in  accordance  with the amount of
Realized   Losses   attributable  to  each  Loan  Group  and  allocated  to  the
Certificates on such Distribution Date.

        Extraordinary  Events: Any of the following conditions with respect to a
Mortgaged  Property  (or, with respect to a Cooperative  Loan,  the  Cooperative
Apartment)  or Mortgage  Loan  causing or  resulting  in a loss which causes the
liquidation of such Mortgage Loan:

(a)     losses that are of the type that would be covered by the  fidelity  bond
        and the errors and omissions  insurance policy required to be maintained
        pursuant to Section 3.12(b) but are in excess of the coverage maintained
        thereunder;

(b)     nuclear reaction or nuclear radiation or radioactive contamination,  all
        whether  controlled or uncontrolled,  and whether such loss be direct or
        indirect,  proximate  or  remote  or be in whole or in part  caused  by,
        contributed to or aggravated by a peril covered by the definition of the
        term "Special Hazard Loss";

(c)     hostile or warlike action in time of peace or war,  including  action in
        hindering,  combating  or  defending  against  an actual,  impending  or
        expected attack:

     1. by any  government or sovereign  power,  de jure or de facto,  or by any
authority maintaining or using military, naval or air forces; or

     2. by military, naval or air forces; or

     3. by an agent of any such government, power, authority or forces;

(d)  any weapon of war employing atomic fission or radioactive  force whether in
     time of peace or war; or

(e)  insurrection,  rebellion,  revolution,  civil war,  usurped power or action
     taken by  governmental  authority  in  hindering,  combating  or  defending
     against such an  occurrence,  seizure or  destruction  under  quarantine or
     customs  regulations,  confiscation  by order of any  government  or public
     authority; or risks of contraband or illegal transportation or trade.

     Extraordinary  Losses:  Any loss  incurred on a Mortgage  Loan caused by or
resulting from an Extraordinary Event.

        Fannie Mae: Federal National Mortgage Association, a federally chartered
and  privately  owned  corporation  organized  and  existing  under the  Federal
National Mortgage Association Charter Act, or any successor thereto.

                                       12
<PAGE>

     FASIT:  A "financial  asset  securitization  investment  trust"  within the
meaning of Section 860L of the Code.

        FDIC:  Federal Deposit Insurance Corporation or any successor thereto.

        Final  Distribution  Date:  The  Distribution  Date on which  the  final
distribution  in respect of the  Certificates  will be made  pursuant to Section
9.01, which Final  Distribution  Date shall in no event be later than the end of
the 90-day liquidation period described in Section 9.02.

        Fitch:  Fitch Ratings or its successor in interest.

        Foreclosure   Profits:   As  to  any   Distribution   Date  or   related
Determination  Date and any Mortgage  Loan,  the excess,  if any, of Liquidation
Proceeds,  Insurance Proceeds and REO Proceeds (net of all amounts  reimbursable
therefrom  pursuant to Section  3.10(a)(ii)) in respect of each Mortgage Loan or
REO Property for which a Cash  Liquidation  or REO  Disposition  occurred in the
related  Prepayment  Period over the sum of the unpaid principal balance of such
Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in
accordance  with Section 3.14) plus accrued and unpaid  interest at the Mortgage
Rate on such unpaid  principal  balance from the Due Date to which  interest was
last paid by the Mortgagor to the first day of the month  following the month in
which such Cash Liquidation or REO Disposition occurred.

     Fraud Losses:  Losses on Mortgage  Loans as to which there was fraud in the
origination of such Mortgage Loan.

        Freddie  Mac:  Federal  Home  Loan  Mortgage  Corporation,  a  corporate
instrumentality of the United States created and existing under Title III of the
Emergency Home Finance Act of 1970, as amended, or any successor thereto.

        Highest  Priority:  As of  any  date  of  determination,  the  Class  of
Subordinate  Certificates then outstanding with a Certificate  Principal Balance
greater than zero, with the earliest  priority for payments  pursuant to Section
4.02(a),  in the following  order:  Class M-1,  Class M-2, Class M-3, Class B-1,
Class B-2 and Class B-3 Certificates.

        Independent:  When used with respect to any specified Person, means such
a Person who (i) is in fact independent of the Company,  the Master Servicer and
the Trustee,  or any Affiliate thereof,  (ii) does not have any direct financial
interest or any material indirect financial interest in the Company,  the Master
Servicer or the Trustee or in an Affiliate  thereof,  and (iii) is not connected
with the Company,  the Master  Servicer or the Trustee as an officer,  employee,
promoter,  underwriter,  trustee, partner, director or person performing similar
functions.

        Initial  Certificate  Principal  Balance:  With respect to each Class of
Certificates, the Certificate Principal Balance of such Class of Certificates as
of the Cut-off Date, as set forth in the Series Supplement.

        Initial Monthly Payment Fund: An amount representing scheduled principal
amortization and interest at the Net Mortgage Rate for the Due Date in the first
Due Period  commencing  subsequent to the Cut-off Date for those  Mortgage Loans
for which the Trustee will not be entitled to receive such payment,  and as more
specifically defined in the Series Supplement.

                                       13
<PAGE>

        Initial  Notional  Amount:  With  respect  to any Class or  Subclass  of
Interest Only Certificates, the amount initially used as the principal basis for
the calculation of any interest payment amount, as more specifically  defined in
the Series Supplement.

      Initial Subordinate Class Percentage: As defined in the Series Supplement.

        Insurance  Proceeds:  Proceeds  paid in  respect of the  Mortgage  Loans
pursuant to any Primary  Insurance Policy or any other related  insurance policy
covering a Mortgage Loan  (excluding any  Certificate  Policy (as defined in the
Series  Supplement)),  to the extent such  proceeds are payable to the mortgagee
under the Mortgage, any Subservicer,  the Master Servicer or the Trustee and are
not applied to the  restoration  of the related  Mortgaged  Property  (or,  with
respect to a Cooperative Loan, the related Cooperative Apartment) or released to
the Mortgagor in accordance  with the procedures  that the Master Servicer would
follow in servicing mortgage loans held for its own account.

     Insurer:  Any named  insurer  under  any  Primary  Insurance  Policy or any
successor thereto or the named insurer in any replacement policy.

        Interest Accrual Period: As defined in the Series Supplement.

     Interest  Only  Certificates:  A Class  or  Subclass  of  Certificates  not
entitled  to  payments  of  principal,  and  designated  as such  in the  Series
Supplement.  The Interest Only Certificates  will have no Certificate  Principal
Balance.

        Interim Certification:  As defined in Section 2.02.

        International Borrower: In connection with any Mortgage Loan, a borrower
who  is (a) a  United  States  citizen  employed  in a  foreign  country,  (b) a
non-permanent resident alien employed in the United States or (c) a citizen of a
country  other than the United States with income  derived from sources  outside
the United States.

     Junior Certificateholder: The Holder of not less than 95% of the Percentage
Interests of the Junior Class of Certificates.

        Junior  Class of  Certificates:  The Class of  Subordinate  Certificates
outstanding  as of the date of the  repurchase  of a Mortgage  Loan  pursuant to
Section 4.07 herein that has the Lowest Priority.

        Late  Collections:  With  respect  to any  Mortgage  Loan,  all  amounts
received during any Due Period,  whether as late payments of Monthly Payments or
as Insurance Proceeds,  Liquidation Proceeds or otherwise,  which represent late
payments or  collections  of Monthly  Payments due but delinquent for a previous
Due Period and not previously recovered.

        Liquidation  Proceeds:  Amounts (other than Insurance Proceeds) received
by the Master  Servicer  in  connection  with the taking of an entire  Mortgaged
Property  by  exercise  of the power of  eminent  domain or  condemnation  or in
connection with the liquidation of a defaulted  Mortgage Loan through  trustee's
sale, foreclosure sale or otherwise, other than REO Proceeds.

                                       14
<PAGE>

        Loan Group:  Any group of Mortgage  Loans  designated as a separate loan
group in the Series  Supplement.  The  Certificates  relating to each Loan Group
will be designated in the Series Supplement.

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

        Lower  Priority:  As of any  date  of  determination  and any  Class  of
Subordinate  Certificates,  any other  Class of  Subordinate  Certificates  then
outstanding with a later priority for payments pursuant to Section 4.02 (a).

        Lowest  Priority:  As  of  any  date  of  determination,  the  Class  of
Subordinate  Certificates then outstanding with a Certificate  Principal Balance
greater than zero,  with the latest  priority  for payments  pursuant to Section
4.02(a),  in the following  order:  Class B-3,  Class B-2, Class B-1, Class M-3,
Class M-2 and Class M-1 Certificates.

        Maturity Date: The latest possible maturity date, solely for purposes of
Section   1.860G-1(a)(4)(iii)   of  the  Treasury  regulations,   by  which  the
Certificate  Principal  Balance of each Class of  Certificates  (other  than the
Interest Only Certificates which have no Certificate Principal Balance) and each
Uncertificated REMIC Regular Interest would be reduced to zero, as designated in
the Series Supplement.

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

        MERS(R)  System:   The  system  of  recording   transfers  of  Mortgages
electronically maintained by MERS.

     MIN: The Mortgage  Identification Number for Mortgage Loans registered with
MERS on the MERS(R) System.

        MLCC:  Merrill Lynch Credit Corporation, or its successor in interest.

     Modified  Mortgage  Loan:  Any Mortgage Loan that has been the subject of a
Servicing Modification.

        Modified Net Mortgage  Rate: As to any Mortgage Loan that is the subject
of a Servicing  Modification,  the Net Mortgage Rate minus the rate per annum by
which the Mortgage Rate on such Mortgage Loan was reduced.

        MOM  Loan:  With  respect  to any  Mortgage  Loan,  MERS  acting  as the
mortgagee of such Mortgage  Loan,  solely as nominee for the  originator of such
Mortgage Loan and its successors and assigns, at the origination thereof.

                                       15
<PAGE>

        Monthly  Payment:  With respect to any Mortgage Loan  (including any REO
Property) and any Due Date, the payment of principal and interest due thereon in
accordance with the amortization  schedule at the time applicable thereto (after
adjustment,  if any, for  Curtailments  and for Deficient  Valuations  occurring
prior to such Due Date but before any adjustment to such  amortization  schedule
by reason of any  bankruptcy,  other  than a  Deficient  Valuation,  or  similar
proceeding or any  moratorium  or similar  waiver or grace period and before any
Servicing Modification that constitutes a reduction of the interest rate on such
Mortgage Loan).

        Moody's:  Moody's Investors Service, Inc., or its successor in interest.

        Mortgage:  With respect to each Mortgage Note related to a Mortgage Loan
which is not a Cooperative Loan, the mortgage, deed of trust or other comparable
instrument  creating  a first  lien on an  estate  in fee  simple  or  leasehold
interest in real property securing a Mortgage Note.

        Mortgage File: The mortgage  documents listed in Section 2.01 pertaining
to a particular Mortgage Loan and any additional  documents required to be added
to the Mortgage File pursuant to this Agreement.

        Mortgage Loans:  Such of the mortgage loans  transferred and assigned to
the Trustee  pursuant to Section 2.01 as from time to time are held or deemed to
be held as a part of the Trust Fund, the Mortgage Loans originally so held being
identified in the initial  Mortgage  Loan  Schedule,  and  Qualified  Substitute
Mortgage Loans held or deemed held as part of the Trust Fund including,  without
limitation,  (i) with respect to each  Cooperative  Loan,  the related  Mortgage
Note,  Security  Agreement,  Assignment of Proprietary Lease,  Cooperative Stock
Certificate,  Cooperative  Lease and Mortgage  File and all rights  appertaining
thereto,  and (ii) with respect to each  Mortgage  Loan other than a Cooperative
Loan,  each related  Mortgage  Note,  Mortgage and Mortgage  File and all rights
appertaining thereto.

        Mortgage Loan Schedule:  As defined in the Series Supplement.

        Mortgage  Note:  The  originally  executed  note or  other  evidence  of
indebtedness  evidencing the  indebtedness of a Mortgagor under a Mortgage Loan,
together with any modification thereto.

     Mortgage Pool: The pool of mortgage  loans,  including all Loan Groups,  if
any, consisting of the Mortgage Loans.

     Mortgage  Rate:  As to any Mortgage  Loan,  the interest  rate borne by the
related  Mortgage  Note,  or any  modification  thereto  other than a  Servicing
Modification.

        Mortgaged  Property:  The underlying  real property  securing a Mortgage
Loan or, with respect to a Cooperative  Loan, the related  Cooperative Lease and
Cooperative Stock.

        Mortgagor:  The obligor on a Mortgage Note.

        Net  Mortgage  Rate:  As to each  Mortgage  Loan,  a per  annum  rate of
interest  equal to the Adjusted  Mortgage  Rate less the per annum rate at which
the Servicing Fee is calculated.

                                       16
<PAGE>

     Non-Discount Mortgage Loan: A Mortgage Loan that is not a Discount Mortgage
Loan.

        Non-Primary Residence Loans: The Mortgage Loans designated as secured by
second or vacation  residences,  or by  non-owner  occupied  residences,  on the
Mortgage Loan Schedule.

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

        Nonrecoverable  Advance:  Any Advance  previously made or proposed to be
made by the Master  Servicer in respect of a Mortgage Loan (other than a Deleted
Mortgage Loan) which,  in the good faith judgment of the Master  Servicer,  will
not, or, in the case of a proposed Advance, would not, be ultimately recoverable
by the Master  Servicer  from  related  Late  Collections,  Insurance  Proceeds,
Liquidation  Proceeds,  REO  Proceeds  or  amounts  reimbursable  to the  Master
Servicer  pursuant to Section 4.02(a) hereof.  The  determination  by the Master
Servicer that it has made a Nonrecoverable  Advance or that any proposed Advance
would  constitute a Nonrecoverable  Advance,  shall be evidenced by an Officers'
Certificate delivered to the Company, the Trustee and any Certificate Insurer.

     Nonsubserviced  Mortgage  Loan:  Any  Mortgage  Loan  that,  at the time of
reference thereto, is not subject to a Subservicing Agreement.

        Notional Amount:  With respect to any Class or Subclass of Interest Only
Certificates,  an amount used as the principal  basis for the calculation of any
interest payment amount, as more specifically defined in the Series Supplement.

        Officers'  Certificate:  A  certificate  signed by the  Chairman  of the
Board,  the  President or a Vice  President or Assistant  Vice  President,  or a
Director or Managing Director,  and by the Treasurer,  the Secretary,  or one of
the Assistant  Treasurers or Assistant  Secretaries of the Company or the Master
Servicer,  as the case may be, and delivered to the Trustee, as required by this
Agreement.

        Opinion of  Counsel:  A written  opinion of  counsel  acceptable  to the
Trustee  and the  Master  Servicer,  who may be counsel  for the  Company or the
Master  Servicer,  provided  that any opinion of counsel (i)  referred to in the
definition of "Disqualified  Organization" or (ii) relating to the qualification
of any REMIC formed under the Series  Supplement  or  compliance  with the REMIC
Provisions  must,  unless  otherwise  specified,  be an opinion  of  Independent
counsel.

        Outstanding  Mortgage  Loan:  As  to  any  Due  Date,  a  Mortgage  Loan
(including an REO Property) which was not the subject of a Principal  Prepayment
in Full,  Cash  Liquidation  or REO  Disposition  and which  was not  purchased,
deleted or  substituted  for prior to such Due Date  pursuant  to Section  2.02,
2.03, 2.04 or 4.07.

        Ownership  Interest:  As to any  Certificate,  any ownership or security
interest in such Certificate,  including any interest in such Certificate as the
Holder thereof and any other interest therein, whether direct or indirect, legal
or beneficial, as owner or as pledgee.

        Pass-Through Rate:  As defined in the Series Supplement.

     Paying Agent:  The Trustee or any successor  Paying Agent  appointed by the
Trustee.

                                       17
<PAGE>

        Percentage Interest: With respect to any Certificate (other than a Class
R Certificate), the undivided percentage ownership interest in the related Class
evidenced by such  Certificate,  which  percentage  ownership  interest shall be
equal to the Initial  Certificate  Principal Balance thereof or Initial Notional
Amount (in the case of any Interest  Only  Certificate)  thereof  divided by the
aggregate Initial Certificate  Principal Balance or the aggregate of the Initial
Notional Amounts, as applicable, of all the Certificates of the same Class. With
respect to a Class R Certificate,  the interest in distributions to be made with
respect to such Class evidenced thereby, expressed as a percentage, as stated on
the face of each such Certificate.

        Permitted Investments:  One or more of the following:

(i)     obligations  of or guaranteed as to principal and interest by the United
        States or any agency or  instrumentality  thereof when such  obligations
        are backed by the full faith and credit of the United States;

(ii)    repurchase  agreements on  obligations  specified in clause (i) maturing
        not more than one month from the date of acquisition  thereof,  provided
        that the unsecured  obligations of the party agreeing to repurchase such
        obligations  are at the time rated by each Rating  Agency in its highest
        short-term rating available;

(iii)federal funds,  certificates of deposit, demand deposits, time deposits and
     bankers'  acceptances  (which  shall each have an original  maturity of not
     more than 90 days and,  in the case of  bankers'  acceptances,  shall in no
     event  have an  original  maturity  of more  than 365  days or a  remaining
     maturity of more than 30 days)  denominated in United States dollars of any
     U.S. depository institution or trust company incorporated under the laws of
     the  United  States or any state  thereof  or of any  domestic  branch of a
     foreign  depository  institution or trust  company;  provided that the debt
     obligations  of such  depository  institution  or trust company (or, if the
     only  Rating  Agency is  Standard  & Poor's,  in the case of the  principal
     depository  institution in a depository  institution holding company,  debt
     obligations of the depository  institution  holding company) at the date of
     acquisition  thereof  have been rated by each Rating  Agency in its highest
     short-term rating available;  and provided further that, if the only Rating
     Agency is  Standard & Poor's and if the  depository  or trust  company is a
     principal  subsidiary of a bank holding company and the debt obligations of
     such subsidiary are not separately  rated,  the applicable  rating shall be
     that of the bank  holding  company;  and,  provided  further  that,  if the
     original maturity of such short-term  obligations of a domestic branch of a
     foreign  depository  institution or trust company shall exceed 30 days, the
     short-term rating of such institution shall be A-1+ in the case of Standard
     & Poor's if Standard & Poor's is the Rating Agency;

(iv)    commercial  paper and demand notes  (having  original  maturities of not
        more than 365 days) of any  corporation  incorporated  under the laws of
        the United States or any state thereof which on the date of  acquisition
        has been rated by each Rating  Agency in its highest  short-term  rating
        available;  provided that such  commercial  paper shall have a remaining
        maturity of not more than 30 days;

                                       18
<PAGE>

(v)  a money  market  fund or a qualified  investment  fund rated by each Rating
     Agency in its highest long-term rating available; and

(vi) other  obligations or securities  that are acceptable to each Rating Agency
     as a Permitted Investment hereunder and will not reduce the rating assigned
     to any Class of  Certificates  by such Rating Agency below the lower of the
     then-current  rating or the rating assigned to such  Certificates as of the
     Closing Date by such Rating Agency, as evidenced in writing;

provided,  however,  no  instrument  shall  be  a  Permitted  Investment  if  it
represents,  either (1) the right to receive only interest payments with respect
to the underlying debt instrument or (2) the right to receive both principal and
interest  payments derived from  obligations  underlying such instrument and the
principal and interest payments with respect to such instrument  provide a yield
to maturity greater than 120% of the yield to maturity at par of such underlying
obligations.  References  herein to the highest  rating  available  on unsecured
long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa
in the case of Moody's, and references herein to the highest rating available on
unsecured commercial paper and short-term debt obligations shall mean A-1 in the
case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard
& Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch.

     Permitted Transferee: Any Transferee of a Class R Certificate, other than a
Disqualified Organization or Non-United States Person.

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

     Pledged Amount: With respect to any Pledged Asset Loan, the amount of money
remitted to Combined  Collateral  LLC, at the direction of or for the benefit of
the related Mortgagor.

        Pledged  Asset Loan:  Any Mortgage Loan  supported by Pledged  Assets or
such other collateral,  other than the related Mortgaged Property,  set forth in
the Series Supplement.

        Pledged   Assets:   With  respect  to  any  Mortgage  Loan,  all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description  pledged by Combined  Collateral LLC as security in
respect of any Realized  Losses in connection  with such Mortgage Loan up to the
Pledged Amount for such Mortgage Loan, and any related collateral, or such other
collateral as may be set forth in the Series Supplement.

        Pledged Asset Mortgage Servicing  Agreement:  The Pledged Asset Mortgage
Servicing  Agreement,  dated as of February 28, 1996 between MLCC and the Master
Servicer.

        Pooling  and  Servicing  Agreement  or  Agreement:  With  respect to any
Series, this Standard Terms together with the related Series Supplement.

                                       19
<PAGE>

     Pool Stated Principal  Balance:  As to any Distribution Date, the aggregate
of the Stated  Principal  Balances of each Mortgage Loan.  Pool Strip Rate: With
respect to each  Mortgage  Loan, a per annum rate equal to the excess of (a) the
Net Mortgage  Rate of such Mortgage Loan over (b) the Discount Net Mortgage Rate
(but not less than 0.00%) per annum.

        Prepayment  Distribution  Trigger: With respect to any Distribution Date
and  any  Class  of   Subordinate   Certificates   (other  than  the  Class  M-1
Certificates),  a test that shall be satisfied if the fraction  (expressed  as a
percentage) equal to the sum of the Certificate Principal Balances of such Class
and each Class of Subordinate Certificates with a Lower Priority than such Class
immediately  prior to such  Distribution  Date divided by the  aggregate  Stated
Principal  Balance of all of the  Mortgage  Loans (or  related  REO  Properties)
immediately  prior to such Distribution Date is greater than or equal to the sum
of the  related  Initial  Subordinate  Class  Percentages  of  such  Classes  of
Subordinate Certificates.

        Prepayment  Interest  Shortfall:  As to any  Distribution  Date  and any
Mortgage Loan (other than a Mortgage Loan relating to an REO Property)  that was
the  subject of (a) a  Principal  Prepayment  in Full  during the portion of the
related  Prepayment Period that falls during the prior calendar month, an amount
equal  to the  excess  of one  month's  interest  at the Net  Mortgage  Rate (or
Modified  Net  Mortgage  Rate in the case of a  Modified  Mortgage  Loan) on the
Stated  Principal  Balance of such  Mortgage  Loan over the  amount of  interest
(adjusted to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of
a Modified  Mortgage  Loan)) paid by the Mortgagor for such month to the date of
such Principal Prepayment in Full or (b) a Curtailment during the prior calendar
month,  an amount  equal to one month's  interest at the Net  Mortgage  Rate (or
Modified  Net  Mortgage  Rate in the case of a  Modified  Mortgage  Loan) on the
amount of such Curtailment.

        Prepayment Period: As to any Distribution Date and Principal  Prepayment
in Full,  the period  commencing on the 16th day of the month prior to the month
in which that  Distribution  Date occurs and ending on the 15th day of the month
in which such Distribution Date occurs.

     Primary  Insurance  Policy:   Each  primary  policy  of  mortgage  guaranty
insurance or any replacement policy therefor referred to in Section  2.03(b)(iv)
and (v).

     Principal  Only  Certificates:  A Class of  Certificates  not  entitled  to
payments of interest,  and more  specifically  designated  as such in the Series
Supplement.

        Principal  Prepayment:  Any payment of principal or other  recovery on a
Mortgage Loan,  including a recovery that takes the form of Liquidation Proceeds
or Insurance  Proceeds,  which is received in advance of its  scheduled Due Date
and is not  accompanied  by an  amount  as to  interest  representing  scheduled
interest  on such  payment  due on any  date or dates  in any  month  or  months
subsequent to the month of prepayment.

     Principal  Prepayment  in Full:  Any  Principal  Prepayment  of the  entire
principal balance of a Mortgage Loan that is made by the Mortgagor.

                                       20
<PAGE>

     Program  Guide:  Collectively,  the Client Guide and the Servicer Guide for
Residential Funding's Expanded Criteria Mortgage Program.

        Purchase  Price:  With  respect to any Mortgage  Loan (or REO  Property)
required to be or  otherwise  purchased  on any date  pursuant to Section  2.02,
2.03,  2.04 or  4.07,  an  amount  equal  to the sum of (i)  100% of the  Stated
Principal Balance thereof plus the principal portion of any related unreimbursed
Advances  and (ii) unpaid  accrued  interest at the Adjusted  Mortgage  Rate (or
Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is
calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate
(or Modified Net Mortgage Rate in the case of a Modified  Mortgage  Loan) in the
case of a purchase made by the Master Servicer) on the Stated Principal  Balance
thereof  to the Due Date in the Due  Period  related  to the  Distribution  Date
occurring  in the month  following  the month of  purchase  from the Due Date to
which interest was last paid by the Mortgagor.

        Qualified  Substitute  Mortgage  Loan: A Mortgage  Loan  substituted  by
Residential  Funding or the Company for a Deleted  Mortgage  Loan which must, on
the  date  of  such  substitution,  as  confirmed  in an  Officers'  Certificate
delivered to the Trustee, with a copy to the Custodian,

        (i)    have an outstanding  principal  balance,  after  deduction of the
               principal  portion  of the  monthly  payment  due in the month of
               substitution  (or in the case of a substitution  of more than one
               Mortgage  Loan  for  a  Deleted   Mortgage   Loan,  an  aggregate
               outstanding  principal  balance,  after such  deduction),  not in
               excess of the Stated  Principal  Balance of the Deleted  Mortgage
               Loan (the amount of any shortfall to be deposited by  Residential
               Funding in the Custodial Account in the month of substitution);

        (ii)   have a Mortgage  Rate and a Net  Mortgage  Rate no lower than and
               not more than 1% per annum higher than the Mortgage  Rate and Net
               Mortgage Rate,  respectively,  of the Deleted Mortgage Loan as of
               the date of substitution;

        (iii)  have a Loan-to-Value  Ratio at the time of substitution no higher
               than  that  of  the  Deleted   Mortgage   Loan  at  the  time  of
               substitution;

        (iv)   have a remaining  term to stated  maturity  not greater than (and
               not more than one year less  than) that of the  Deleted  Mortgage
               Loan;

          (v)  comply  with  each  representation  and  warranty  set  forth  in
               Sections  2.03 and 2.04  hereof and  Section 4 of the  Assignment
               Agreement; and

          (vi) have a Pool  Strip  Rate  equal to or  greater  than  that of the
               Deleted Mortgage Loan.

Notwithstanding  any other provisions  herein, (x) with respect to any Qualified
Substitute  Mortgage Loan  substituted  for a Deleted  Mortgage Loan which was a
Discount Mortgage Loan, such Qualified  Substitute Mortgage Loan shall be deemed
to be a  Discount  Mortgage  Loan and to have a Discount  Fraction  equal to the
Discount  Fraction  of the Deleted  Mortgage  Loan and (y) in the event that the
"Pool  Strip  Rate" of any  Qualified  Substitute  Mortgage  Loan as  calculated
pursuant to the  definition  of "Pool Strip Rate" is greater than the Pool Strip
Rate of the related Deleted Mortgage Loan

                                       21
<PAGE>

        (i)    the Pool Strip Rate of such  Qualified  Substitute  Mortgage Loan
               shall  be equal to the Pool  Strip  Rate of the  related  Deleted
               Mortgage Loan for purposes of calculating the  Pass-Through  Rate
               on the Class A-V Certificates and

        (ii)   the excess of the Pool Strip  Rate on such  Qualified  Substitute
               Mortgage Loan as calculated  pursuant to the  definition of "Pool
               Strip  Rate"  over the Pool  Strip  Rate on the  related  Deleted
               Mortgage  Loan  shall  be  payable  to the  Class R  Certificates
               pursuant to Section 4.02 hereof.

        Rating Agency:  Each of the statistical credit rating agencies specified
in the  Preliminary  Statement  of the  Series  Supplement.  If any  agency or a
successor is no longer in existence,  "Rating Agency" shall be such  statistical
credit rating agency,  or other  comparable  Person,  designated by the Company,
notice  of  which  designation  shall be given  to the  Trustee  and the  Master
Servicer.

        Realized Loss:  With respect to each Mortgage Loan (or REO Property):

          (a)  as to which a Cash  Liquidation or REO  Disposition has occurred,
               an amount (not less than zero) equal to (i) the Stated  Principal
               Balance of the Mortgage  Loan (or REO Property) as of the date of
               Cash Liquidation or REO Disposition,  plus (ii) interest (and REO
               Imputed  Interest,  if any) at the Net Mortgage Rate from the Due
               Date  as  to  which   interest  was  last  paid  or  advanced  to
               Certificateholders  up to the Due Date in the Due Period  related
               to the  Distribution  Date on which  such  Realized  Loss will be
               allocated  pursuant  to  Section  4.05  on the  Stated  Principal
               Balance  of such  Mortgage  Loan  (or REO  Property)  outstanding
               during  each  Due  Period  that  such  interest  was not  paid or
               advanced,  minus (iii) the proceeds,  if any, received during the
               month  in  which  such  Cash  Liquidation  (or  REO  Disposition)
               occurred,  to the extent applied as recoveries of interest at the
               Net Mortgage Rate and to principal of the Mortgage  Loan,  net of
               the portion  thereof  reimbursable  to the Master Servicer or any
               Subservicer  with  respect to related  Advances or expenses as to
               which  the  Master   Servicer  or   Subservicer  is  entitled  to
               reimbursement  thereunder  but  which  have not  been  previously
               reimbursed,

        (b)    which is the subject of a Servicing Modification,  (i) the amount
               by  which  the  interest  portion  of a  Monthly  Payment  or the
               principal balance of such Mortgage Loan was reduced, and (ii) any
               such amount with  respect to a Monthly  Payment that was or would
               have been due in the  month  immediately  following  the month in
               which  a  Principal  Prepayment  or the  Purchase  Price  of such
               Mortgage Loan is received or is deemed to have been received,

        (c)    which has  become  the  subject  of a  Deficient  Valuation,  the
               difference  between the  principal  balance of the Mortgage  Loan
               outstanding immediately prior to such Deficient Valuation and the
               principal  balance  of  the  Mortgage  Loan  as  reduced  by  the
               Deficient Valuation, or

                                       22
<PAGE>

        (d)    which has  become  the object of a Debt  Service  Reduction,  the
               amount of such Debt Service Reduction.

Notwithstanding  the above,  neither a Deficient  Valuation  nor a Debt  Service
Reduction  shall be  deemed a  Realized  Loss  hereunder  so long as the  Master
Servicer  has  notified  the  Trustee in writing  that the  Master  Servicer  is
diligently  pursuing  any  remedies  that  may  exist  in  connection  with  the
representations  and  warranties  made  regarding the related  Mortgage Loan and
either (A) the related  Mortgage  Loan is not in default with regard to payments
due  thereunder or (B)  delinquent  payments of principal and interest under the
related  Mortgage  Loan  and  any  premiums  on any  applicable  primary  hazard
insurance  policy and any related  escrow  payments in respect of such  Mortgage
Loan  are  being  advanced  on a  current  basis  by the  Master  Servicer  or a
Subservicer, in either case without giving effect to any Debt Service Reduction.

To the extent the Master Servicer receives Subsequent Recoveries with respect to
any Mortgage Loan, the amount of the Realized Loss with respect to that Mortgage
Loan will be reduced to the extent  such  recoveries  are  applied to reduce the
Certificate  Principal  Balance of any Class of Certificates on any Distribution
Date.

        Record  Date:  With  respect  to each  Distribution  Date,  the close of
business on the last Business Day of the month next preceding the month in which
the related Distribution Date occurs.

     Regular  Certificate:  Any  of  the  Certificates  other  than  a  Class  R
Certificate.

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

        REMIC  Administrator:  Residential Funding  Corporation.  If Residential
Funding  Corporation is found by a court of competent  jurisdiction to no longer
be able to fulfill its obligations as REMIC  Administrator  under this Agreement
the  Master  Servicer  or  Trustee  acting as Master  Servicer  shall  appoint a
successor REMIC Administrator,  subject to assumption of the REMIC Administrator
obligations under this Agreement.

        REMIC  Provisions:  Provisions of the federal income tax law relating to
real estate mortgage investment conduits,  which appear at Sections 860A through
860G of  Subchapter  M of Chapter 1 of the Code,  and  related  provisions,  and
temporary and final  regulations (or, to the extent not  inconsistent  with such
temporary or final  regulations,  proposed  regulations) and published  rulings,
notices and  announcements  promulgated  thereunder,  as the foregoing may be in
effect from time to time.

        REO Acquisition: The acquisition by the Master Servicer on behalf of the
Trustee for the benefit of the  Certificateholders  of any REO Property pursuant
to Section 3.14.

        REO Disposition:  As to any REO Property,  a determination by the Master
Servicer that it has received all Insurance Proceeds,  Liquidation Proceeds, REO
Proceeds and other payments and recoveries  (including proceeds of a final sale)
which the Master  Servicer  expects to be finally  recoverable  from the sale or
other disposition of the REO Property.

                                       23
<PAGE>

        REO Imputed Interest: As to any REO Property,  for any period, an amount
equivalent to interest (at the Net Mortgage Rate that would have been applicable
to the related  Mortgage Loan had it been  outstanding) on the unpaid  principal
balance of the  Mortgage  Loan as of the date of  acquisition  thereof  for such
period.

        REO Proceeds:  Proceeds, net of expenses, received in respect of any REO
Property (including, without limitation, proceeds from the rental of the related
Mortgaged  Property  or,  with  respect  to  a  Cooperative  Loan,  the  related
Cooperative  Apartment)  which  proceeds are  required to be deposited  into the
Custodial Account only upon the related REO Disposition.

        REO  Property:  A Mortgaged  Property  acquired  by the Master  Servicer
through  foreclosure  or  deed  in  lieu of  foreclosure  in  connection  with a
defaulted Mortgage Loan.

        Request  for  Release:  A request  for  release,  the forms of which are
attached as Exhibit F hereto,  or an electronic  request in a form acceptable to
the Custodian.

        Required  Insurance  Policy:  With  respect to any  Mortgage  Loan,  any
insurance policy which is required to be maintained from time to time under this
Agreement, the Program Guide or the related Subservicing Agreement in respect of
such Mortgage Loan.

        Required Surety Payment:  With respect to any Additional Collateral Loan
that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion
of the Realized Loss with respect to such Mortgage Loan and (ii) the excess,  if
any, of (a) the amount of Additional  Collateral  required at  origination  with
respect  to  such  Mortgage  Loan  over  (b) the net  proceeds  realized  by the
Subservicer from the related Additional Collateral.

     Residential   Funding:   Residential   Funding   Corporation,   a  Delaware
corporation,  in its capacity as seller of the Mortgage Loans to the Company and
any successor thereto.

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

        Retail  Certificates:  A Senior Certificate,  if any, offered in smaller
minimum denominations than other Senior Certificates,  and designated as such in
the Series Supplement.

        Schedule of Discount Fractions:  The schedule setting forth the Discount
Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to
the Series Supplement.

     Security  Agreement:  With respect to a  Cooperative  Loan,  the  agreement
creating  a  security  interest  in  favor  of the  originator  in  the  related
Cooperative Stock.

     Seller: As to any Mortgage Loan, a Person, including any Subservicer,  that
executed a Seller's Agreement applicable to such Mortgage Loan.

                                       24
<PAGE>

        Seller's  Agreement:  An  agreement  for  the  origination  and  sale of
Mortgage  Loans  generally  in the form of the Seller  Contract  referred  to or
contained in the Program  Guide,  or in such other form as has been  approved by
the  Master  Servicer  and the  Company,  each  containing  representations  and
warranties in respect of one or more Mortgage  Loans  consistent in all material
respects with those set forth in the Program Guide.

        Senior  Accelerated  Distribution   Percentage:   With  respect  to  any
Distribution  Date occurring on or prior to the 60th Distribution Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan  Groups,  any Loan
Group,  100%. With respect to any Distribution Date thereafter and any such Loan
Group, if applicable, as follows:

(i)     for any  Distribution  Date after the 60th  Distribution  Date but on or
        prior to the 72nd  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 70% of the related  Subordinate  Percentage
        for such Distribution Date;

(ii)    for any  Distribution  Date after the 72nd  Distribution  Date but on or
        prior to the 84th  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 60% of the related  Subordinate  Percentage
        for such Distribution Date;

(iii)   for any  Distribution  Date after the 84th  Distribution  Date but on or
        prior to the 96th  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 40% of the related  Subordinate  Percentage
        for such Distribution Date;

(iv)    for any  Distribution  Date after the 96th  Distribution  Date but on or
        prior to the 108th  Distribution Date, the related Senior Percentage for
        such  Distribution Date plus 20% of the related  Subordinate  Percentage
        for such Distribution Date; and

(v)  for any  Distribution  Date  thereafter,  the  Senior  Percentage  for such
     Distribution Date;

provided, however,

        (i) that any scheduled reduction to the Senior Accelerated  Distribution
Percentage  described above shall not occur as of any  Distribution  Date unless
either

               (a)(1)(X) the outstanding principal balance of the Mortgage Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a
        percentage of the aggregate outstanding Certificate Principal Balance of
        the  Subordinate  Certificates,  is less than 50% or (Y) the outstanding
        principal  balance of Mortgage Loans delinquent 60 days or more averaged
        over the last six months,  as a percentage of the aggregate  outstanding
        principal  balance  of all  Mortgage  Loans  averaged  over the last six
        months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans
        to date  for such  Distribution  Date if  occurring  during  the  sixth,
        seventh,  eighth, ninth or tenth year (or any year thereafter) after the
        Closing Date are less than 30%, 35%, 40%, 45% or 50%,  respectively,  of
        the sum of the Initial Certificate Principal Balances of the Subordinate
        Certificates or

                (b)(1)  the  outstanding  principal  balance of  Mortgage  Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a

                                       25
<PAGE>

        percentage  of  the  aggregate  outstanding  principal  balance  of  all
        Mortgage Loans averaged over the last six months, does not exceed 4% and
        (2) Realized Losses on the Mortgage Loans to date for such  Distribution
        Date, if occurring  during the sixth,  seventh,  eighth,  ninth or tenth
        year (or any year thereafter)  after the Closing Date are less than 10%,
        15%,  20%,  25%  or  30%,  respectively,  of  the  sum  of  the  Initial
        Certificate Principal Balances of the Subordinate Certificates, and

        (ii) that for any  Distribution  Date on which the Senior  Percentage is
greater  than  the  Senior  Percentage  as  of  the  Closing  Date,  the  Senior
Accelerated  Distribution  Percentage for such  Distribution Date shall be 100%,
or,  if the  Mortgage  Pool is  comprised  of two or more Loan  Groups,  for any
Distribution  Date on which the weighted  average of the Senior  Percentages for
each Loan Group,  weighted on the basis of the Stated Principal  Balances of the
Mortgage  Loans in the related Loan Group,  exceeds the weighted  average of the
initial Senior Percentages  (calculated on such basis) for each Loan Group, each
of the Senior  Accelerated  Distribution  Percentages for such Distribution Date
will equal 100%.

Notwithstanding the foregoing,  upon the reduction of the Certificate  Principal
Balances  of  the  related  Senior   Certificates  (other  than  the  Class  A-P
Certificates,  if any) to zero,  the  related  Senior  Accelerated  Distribution
Percentage shall thereafter be 0%.

        Senior Certificate:  As defined in the Series Supplement.

        Senior Percentage: As defined in the Series Supplement.

        Senior  Support   Certificate:   A  Senior   Certificate  that  provides
additional  credit  enhancement to certain other classes of Senior  Certificates
and designated as such in the Preliminary Statement of the Series Supplement.

     Series: All of the Certificates  issued pursuant to a Pooling and Servicing
Agreement and bearing the same series designation.

        Series  Supplement:  The  agreement  into which this  Standard  Terms is
incorporated and pursuant to which,  together with this Standard Terms, a Series
of Certificates is issued.

     Servicing Accounts: The account or accounts created and maintained pursuant
to Section 3.08.

        Servicing  Advances:  All  customary,  reasonable  and necessary "out of
pocket" costs and expenses incurred in connection with a default, delinquency or
other  unanticipated  event by the Master  Servicer  in the  performance  of its
servicing  obligations,  including,  but not  limited  to,  the  cost of (i) the
preservation,  restoration  and  protection  of a  Mortgaged  Property  or, with
respect to a  Cooperative  Loan,  the related  Cooperative  Apartment,  (ii) any
enforcement  or judicial  proceedings,  including  foreclosures,  including  any
expenses  incurred  in  relation  to any such  proceedings  that result from the
Mortgage Loan being  registered  on the MERS System,  (iii) the  management  and
liquidation of any REO Property and (iv) compliance  with the obligations  under
Sections 3.01, 3.08, 3.11, 3.12(a) and 3.14,  including,  if the Master Servicer
or any Affiliate of the Master Servicer provides services such as appraisals and
brokerage services that are customarily provided by Persons other than servicers
of mortgage loans, reasonable compensation for such services.

                                       26
<PAGE>

        Servicing Fee: With respect to any Mortgage Loan and Distribution  Date,
the fee payable  monthly to the Master  Servicer in respect of master  servicing
compensation  that accrues at an annual rate  designated  on the  Mortgage  Loan
Schedule as the "MSTR SERV FEE" for such Mortgage  Loan, as may be adjusted with
respect to successor Master Servicers as provided in Section 7.02.

        Servicing  Modification:  Any  reduction of the interest  rate on or the
outstanding  principal  balance of a Mortgage  Loan that is in  default,  or for
which,  in  the  judgment  of  the  Master   Servicer,   default  is  reasonably
foreseeable, pursuant to a modification of such Mortgage Loan in accordance with
Section 3.07(a).

        Servicing  Officer:  Any officer of the Master Servicer  involved in, or
responsible  for, the  administration  and servicing of the Mortgage Loans whose
name and specimen  signature appear on a list of servicing officers furnished to
the  Trustee  by the  Master  Servicer,  as such  list may from  time to time be
amended.

        Special  Hazard Loss: Any Realized Loss not in excess of the cost of the
lesser of repair or replacement  of a Mortgaged  Property (or, with respect to a
Cooperative Loan, the related Cooperative  Apartment) suffered by such Mortgaged
Property  (or  Cooperative  Apartment)  on  account  of  direct  physical  loss,
exclusive  of (i) any  loss of a type  covered  by a  hazard  policy  or a flood
insurance policy required to be maintained in respect of such Mortgaged Property
pursuant  to Section  3.12(a),  except to the extent of the portion of such loss
not covered as a result of any coinsurance  provision and (ii) any Extraordinary
Loss.

     Standard  &  Poor's:  Standard  & Poor's,  a  division  of The  McGraw-Hill
Companies, Inc., or its successor in interest.

        Stated Principal  Balance:  With respect to any Mortgage Loan or related
REO Property,  at any given time, (i) the Cut-off Date Principal  Balance of the
Mortgage  Loan,  minus (ii) the sum of (a) the principal  portion of the Monthly
Payments due with respect to such Mortgage Loan or REO Property  during each Due
Period ending prior to the most recent  Distribution Date which were received or
with  respect to which an Advance was made,  and (b) all  Principal  Prepayments
with respect to such Mortgage Loan or REO Property,  and all Insurance Proceeds,
Liquidation  Proceeds  and REO  Proceeds,  to the  extent  applied by the Master
Servicer as recoveries of principal in accordance with Section 3.14 with respect
to such  Mortgage  Loan or REO  Property,  in each case which  were  distributed
pursuant to Section 4.02 on any previous Distribution Date, and (c) any Realized
Loss  allocated  to  Certificateholders  with  respect  thereto for any previous
Distribution Date.

        Subclass:  With  respect  to the Class A-V  Certificates,  any  Subclass
thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the
Uncertificated  Class A-V REMIC Regular  Interest or Interests  specified by the
initial Holder of the Class A-V Certificates pursuant to Section 5.01(c).

                                       27
<PAGE>

        Subordinate Certificate:  Any one of the Class M Certificates or Class B
Certificates,  executed  by the  Trustee and  authenticated  by the  Certificate
Registrar  substantially  in the form annexed hereto as Exhibit B and Exhibit C,
respectively.

        Subordinate Class Percentage:  With respect to any Distribution Date and
any Class of Subordinate  Certificates,  a fraction,  expressed as a percentage,
the numerator of which is the aggregate  Certificate  Principal  Balance of such
Class  of  Subordinate  Certificates  immediately  prior  to such  date  and the
denominator  of which is the aggregate  Stated  Principal  Balance of all of the
Mortgage  Loans (or related  REO  Properties)  (other than the related  Discount
Fraction of each Discount  Mortgage Loan) immediately prior to such Distribution
Date.

        Subordinate Percentage: As of any Distribution Date and, with respect to
any Mortgage  Pool  comprised of two or more Loan Groups,  any Loan Group,  100%
minus the related Senior Percentage as of such Distribution Date.

        Subsequent Recoveries:  As of any Distribution Date, amounts received by
the Master  Servicer  (net of any related  expenses  permitted to be  reimbursed
pursuant  to Section  3.10) or surplus  amounts  held by the Master  Servicer to
cover estimated expenses  (including,  but not limited to, recoveries in respect
of the representations and warranties made by the related Seller pursuant to the
applicable  Seller's  Agreement and assigned to the Trustee  pursuant to Section
2.04)  specifically  related to a Mortgage  Loan that was the  subject of a Cash
Liquidation or an REO Disposition  prior to the related  Prepayment  Period that
resulted in a Realized Loss.

     Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference
thereto, is subject to a Subservicing Agreement.

        Subservicer: Any Person with whom the Master Servicer has entered into a
Subservicing Agreement and who generally satisfied the requirements set forth in
the Program Guide in respect of the  qualification  of a  Subservicer  as of the
date of its approval as a Subservicer by the Master Servicer.

        Subservicer  Advance:  Any  delinquent   installment  of  principal  and
interest on a Mortgage Loan which is advanced by the related Subservicer (net of
its Subservicing Fee) pursuant to the Subservicing Agreement.

     Subservicing Account: An account established by a Subservicer in accordance
with Section 3.08.

        Subservicing Agreement: The written contract between the Master Servicer
and any Subservicer relating to servicing and administration of certain Mortgage
Loans as  provided  in  Section  3.02,  generally  in the  form of the  servicer
contract  referred to or contained in the Program Guide or in such other form as
has been  approved  by the Master  Servicer  and the  Company.  With  respect to
Additional  Collateral  Loans  subserviced by MLCC, the  Subservicing  Agreement
shall also include the Addendum and  Assignment  Agreement and the Pledged Asset
Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced
by GMAC Mortgage Corporation, the Addendum and Assignment Agreement, dated as of
November 24, 1998, between the Master Servicer and GMAC Mortgage Corporation, as
such agreement may be amended from time to time.

                                       28
<PAGE>

        Subservicing  Fee: As to any Mortgage Loan,  the fee payable  monthly to
the related  Subservicer (or, in the case of a Nonsubserviced  Mortgage Loan, to
the Master  Servicer) in respect of  subservicing  and other  compensation  that
accrues at an annual rate equal to the excess of the Mortgage  Rate borne by the
related  Mortgage  Note over the rate per annum  designated on the Mortgage Loan
Schedule as the "CURR NET" for such Mortgage Loan.

     Surety:  Ambac, or its successors in interest,  or such other surety as may
be identified in the Series Supplement.

        Surety Bond:  The Limited  Purpose  Surety Bond  (Policy No.  AB0039BE),
dated February 28, 1996 in respect to Mortgage Loans  originated by MLCC, or the
Surety Bond (Policy No.  AB0240BE),  dated March 17, 1999 in respect to Mortgage
Loans  originated by Novus Financial  Corporation,  in each case issued by Ambac
for the benefit of certain beneficiaries,  including the Trustee for the benefit
of the Holders of the Certificates, but only to the extent that such Surety Bond
covers any  Additional  Collateral  Loans,  or such other  Surety Bond as may be
identified in the Series Supplement.

        Tax Returns:  The federal income tax return on Internal  Revenue Service
Form 1066,  U.S.  Real Estate  Mortgage  Investment  Conduit  Income Tax Return,
including  Schedule Q thereto,  Quarterly Notice to Residual Interest Holders of
REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed
on behalf of any REMIC  formed under the Series  Supplement  and under the REMIC
Provisions, together with any and all other information, reports or returns that
may be  required to be  furnished  to the  Certificateholders  or filed with the
Internal  Revenue Service or any other  governmental  taxing authority under any
applicable provisions of federal, state or local tax laws.

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

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

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

        Trust Fund:  The  segregated  pool of assets  related to a Series,  with
respect to which one or more REMIC  elections  are to be made  pursuant  to this
Agreement, consisting of:

(i)  the Mortgage Loans and the related  Mortgage Files and collateral  securing
     such Mortgage Loans,

(ii)    all payments on and  collections  in respect of the  Mortgage  Loans due
        after the Cut-off Date as shall be on deposit in the  Custodial  Account
        or in the  Certificate  Account and identified as belonging to the Trust
        Fund,   including  the  proceeds  from  the  liquidation  of  Additional
        Collateral for any Additional  Collateral Loan or Pledged Assets for any
        Pledged Asset Loan, but not including  amounts on deposit in the Initial
        Monthly Payment Fund,

                                       29
<PAGE>

(iii)   property that secured a Mortgage Loan and that has been acquired for the
        benefit  of the  Certificateholders  by  foreclosure  or deed in lieu of
        foreclosure,

(iv)    the hazard insurance  policies and Primary Insurance  Policies,  if any,
        the Pledged  Assets with  respect to each  Pledged  Asset Loan,  and the
        interest  in the Surety  Bond  transferred  to the  Trustee  pursuant to
        Section 2.01, and

(v)     all proceeds of clauses (i) through (iv) above.

        Uniform Single  Attestation  Program for Mortgage  Bankers:  The Uniform
Single  Attestation  Program for Mortgage Bankers,  as published by the Mortgage
Bankers  Association  of America and  effective  with respect to fiscal  periods
ending on or after December 15, 1995.

        Uninsured  Cause:  Any cause of damage to property subject to a Mortgage
such that the complete restoration of such property is not fully reimbursable by
the hazard insurance policies.

        United  States Person or U.S.  Person:  (i) A citizen or resident of the
United  States,  (ii) a  corporation,  partnership  or other entity treated as a
corporation  or  partnership  for United  States  federal  income  tax  purposes
organized in or under the laws of the United  States or any state thereof or the
District of Columbia (unless, in the case of a partnership, Treasury regulations
provide  otherwise),  provided that, for purposes solely of the  restrictions on
the transfer of residual interests,  no partnership or other entity treated as a
partnership  for United States federal income tax purposes shall be treated as a
United States  Person or U.S.  Person unless all persons that own an interest in
such partnership  either directly or indirectly through any chain of entities no
one of which is a corporation  for United States federal income tax purposes are
required by the  applicable  operating  agreement to be United  States  Persons,
(iii) an estate the  income of which is  includible  in gross  income for United
States tax purposes, regardless of its source, or (iv) a trust if a court within
the  United   States  is  able  to  exercise   primary   supervision   over  the
administration of the trust and one or more United States persons have authority
to control all substantial decisions of the trust. Notwithstanding the preceding
sentence,  to the extent  provided in Treasury  regulations,  certain  Trusts in
existence on August 20, 1996, and treated as United States persons prior to such
date, that elect to continue to be treated as United States persons will also be
a U.S. Person.

     Voting Rights:  The portion of the voting rights of all of the Certificates
which is allocated  to any  Certificate,  and more  specifically  designated  in
Article XI of the Series Supplement.

Section 1.02.  Use of Words and Phrases.

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

                                       30
<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;

                        ORIGINAL ISSUANCE OF CERTIFICATES

Section 2.01.  Conveyance of Mortgage Loans.

(a) The Company,  concurrently  with the  execution  and delivery  hereof,  does
hereby assign to the Trustee without recourse all the right,  title and interest
of the  Company  in and  to the  Mortgage  Loans,  including  all  interest  and
principal  received on or with respect to the  Mortgage  Loans after the Cut-off
Date (other than payments of principal and interest due on the Mortgage Loans on
or before the Cut-off Date).  In connection  with such transfer and  assignment,
the Company  does  hereby  deliver to the  Trustee  the  Certificate  Policy (as
defined in the Series Supplement), if any.

(b) In connection with such  assignment,  except as set forth in Section 2.01(c)
and subject to Section  2.01(d)  below,  the Company does hereby deliver to, and
deposit with, the Trustee,  or to and with one or more  Custodians,  as the duly
appointed  agent or  agents  of the  Trustee  for such  purpose,  the  following
documents or  instruments  (or copies  thereof as permitted by this Section) (I)
with respect to each Mortgage Loan so assigned (other than a Cooperative Loan):

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee,  and showing an unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    The  original  Mortgage,  noting the presence of the MIN of the Mortgage
        Loan and language indicating that the Mortgage Loan is a MOM Loan if the
        Mortgage  Loan is a MOM  Loan,  with  evidence  of  recording  indicated
        thereon or a copy of the Mortgage with  evidence of recording  indicated
        thereon;

(iii)   Unless  the  Mortgage  Loan is  registered  on the  MERS(R)  System,  an
        original  Assignment  of the  Mortgage to the Trustee  with  evidence of
        recording  indicated  thereon or a copy of such assignment with evidence
        of recording indicated thereon;

(iv)    The original recorded  assignment or assignments of the Mortgage showing
        an  unbroken  chain of title from the  originator  thereof to the Person
        assigning  it to the  Trustee  (or to  MERS,  if the  Mortgage  Loan  is
        registered on the MERS(R)  System and noting the presence of a MIN) with
        evidence of recordation noted thereon or attached thereto,  or a copy of
        such  assignment  or  assignments  of  the  Mortgage  with  evidence  of
        recording indicated thereon; and

(v)     The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Mortgage Loan or a copy of each
        modification, assumption agreement or preferred loan agreement.

                                       31
<PAGE>

        and (II) with respect to each Cooperative Loan so assigned:

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee  and showing an  unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    A counterpart of the Cooperative Lease and the Assignment of Proprietary
        Lease  to  the  originator  of the  Cooperative  Loan  with  intervening
        assignments  showing an unbroken chain of title from such  originator to
        the Trustee;

(iii)   The related  Cooperative  Stock  Certificate,  representing  the related
        Cooperative  Stock  pledged  with  respect  to  such  Cooperative  Loan,
        together  with an  undated  stock  power (or other  similar  instrument)
        executed in blank;

(iv) The original  recognition  agreement by the Cooperative of the interests of
     the mortgagee with respect to the related Cooperative Loan;

(v)     The Security Agreement;

(vi)    Copies of the original UCC-1 financing  statement,  and any continuation
        statements,  filed by the originator of such Cooperative Loan as secured
        party, each with evidence of recording thereof,  evidencing the interest
        of the  originator  under the Security  Agreement and the  Assignment of
        Proprietary Lease;

(vii)   Copies  of  the  filed  UCC-3   assignments  of  the  security  interest
        referenced in clause (vi) above showing an unbroken  chain of title from
        the originator to the Trustee,  each with evidence of recording thereof,
        evidencing the interest of the originator  under the Security  Agreement
        and the Assignment of Proprietary Lease;

(viii)  An executed assignment of the interest of the originator in the Security
        Agreement, Assignment of Proprietary Lease and the recognition agreement
        referenced in clause (iv) above, showing an unbroken chain of title from
        the originator to the Trustee;

(ix)    The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Cooperative Loan; and

(x)     A duly completed UCC-1 financing  statement  showing the Master Servicer
        as debtor,  the Company as secured party and the Trustee as assignee and
        a duly completed UCC-1 financing statement showing the Company as debtor
        and the Trustee as secured party,  each in a form sufficient for filing,
        evidencing the interest of such debtors in the Cooperative Loans.

(c) The Company may, in lieu of  delivering  the original of the  documents  set
forth in Section  2.01(b)(I)(ii),  (iii), (iv) and (v) and Section  (b)(II)(ii),

                                       32
<PAGE>

(iv), (vii), (ix) and (x) (or copies thereof as permitted by Section 2.01(b)) to
the Trustee or the Custodian or Custodians, deliver such documents to the Master
Servicer, and the Master Servicer shall hold such documents in trust for the use
and benefit of all present and future  Certificateholders  until such time as is
set forth in the next  sentence.  Within  thirty  Business  Days  following  the
earlier  of (i)  the  receipt  of the  original  of  all  of  the  documents  or
instruments set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section
(b)(II)(ii),  (iv),  (vii), (ix) and (x) (or copies thereof as permitted by such
Section)  for any  Mortgage  Loan and (ii) a written  request by the  Trustee to
deliver those  documents  with respect to any or all of the Mortgage  Loans then
being held by the Master Servicer,  the Master Servicer shall deliver a complete
set of such documents to the Trustee or the Custodian or Custodians that are the
duly appointed agent or agents of the Trustee.

(d)  Notwithstanding  the provisions of Section 2.01(c),  in connection with any
Mortgage Loan, if the Company  cannot deliver the original of the Mortgage,  any
assignment,  modification,  assumption agreement or preferred loan agreement (or
copy thereof as permitted by Section 2.01(b)) with evidence of recording thereon
concurrently  with the execution and delivery of this Agreement because of (i) a
delay caused by the public  recording  office where such  Mortgage,  assignment,
modification,  assumption  agreement or preferred loan agreement as the case may
be,  has been  delivered  for  recordation,  or (ii) a delay in the  receipt  of
certain information  necessary to prepare the related  assignments,  the Company
shall  deliver  or  cause  to be  delivered  to the  Trustee  or the  respective
Custodian  a  copy  of  such  Mortgage,  assignment,  modification,   assumption
agreement or preferred loan agreement.

        The Company  shall  promptly  cause to be  recorded  in the  appropriate
public office for real  property  records the  Assignment  referred to in clause
(I)(iii)  of Section  2.01(b),  except (a) in states  where,  in the  opinion of
counsel acceptable to the Trustee and the Master Servicer, such recording is not
required to protect the  Trustee's  interests in the  Mortgage  Loan against the
claim of any  subsequent  transferee  or any  successor  to or  creditor  of the
Company or the  originator of such Mortgage Loan or (b) if MERS is identified on
the  Mortgage  or on a  properly  recorded  assignment  of the  Mortgage  as the
mortgagee  of record  solely as nominee  for the Seller and its  successors  and
assigns,  and shall  promptly  cause to be filed the Form UCC-3  assignment  and
UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively,
of Section 2.01(b). If any Assignment,  Form UCC-3 or Form UCC-1, as applicable,
is lost or returned unrecorded to the Company because of any defect therein, the
Company  shall  prepare a substitute  Assignment,  Form UCC-3 or Form UCC-1,  as
applicable,  or cure such defect,  as the case may be, and cause such Assignment
to be recorded in accordance  with this  paragraph.  The Company shall  promptly
deliver or cause to be delivered to the Trustee or the respective Custodian such
Mortgage or  Assignment  or Form UCC-3 or Form UCC-1,  as  applicable,  (or copy
thereof as permitted by Section  2.01(b)) with  evidence of recording  indicated
thereon  at the time  specified  in  Section  2.01(c).  In  connection  with its
servicing of Cooperative Loans, the Master Servicer will use its best efforts to
file timely continuation  statements with regard to each financing statement and
assignment  relating to  Cooperative  Loans as to which the related  Cooperative
Apartment is located outside of the State of New York.

        If the Company delivers to the Trustee or Custodian any Mortgage Note or
Assignment of Mortgage in blank, the Company shall, or shall cause the Custodian
to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage
in the name of the Trustee in conjunction with the Interim  Certification issued
by the Custodian, as contemplated by Section 2.02.

                                       33
<PAGE>

        Any of the items set forth in Sections  2.01(b)(I)(ii),  (iii), (iv) and
(v) and  (II)(vi)  and (vii) and that may be delivered as a copy rather than the
original may be delivered to the Trustee or the Custodian.

        In connection with the assignment of any Mortgage Loan registered on the
MERS(R) System,  the Company further agrees that it will cause, at the Company's
own expense,  within 30 Business Days after the Closing Date, the MERS(R) System
to indicate  that such  Mortgage  Loans have been assigned by the Company to the
Trustee   in   accordance   with  this   Agreement   for  the   benefit  of  the
Certificateholders  by including  (or  deleting,  in the case of Mortgage  Loans
which are  repurchased in accordance with this Agreement) in such computer files
(a) the code in the field which identifies the specific Trustee and (b) the code
in the field "Pool Field" which identifies the series of the Certificates issued
in connection with such Mortgage Loans.  The Company further agrees that it will
not, and will not permit the Master  Servicer to, and the Master Servicer agrees
that it will not,  alter the codes  referenced in this paragraph with respect to
any  Mortgage  Loan  during  the term of this  Agreement  unless  and until such
Mortgage Loan is repurchased in accordance with the terms of this Agreement.

(e) Residential  Funding hereby assigns to the Trustee its security  interest in
and to any Additional Collateral or Pledged Assets, its right to receive amounts
due or to become due in respect of any  Additional  Collateral or Pledged Assets
pursuant to the related  Subservicing  Agreement  and its rights as  beneficiary
under the Surety  Bond in  respect  of any  Additional  Collateral  Loans.  With
respect to any  Additional  Collateral  Loan or Pledged Asset Loan,  Residential
Funding  shall  cause to be filed in the  appropriate  recording  office a UCC-3
statement  giving notice of the assignment of the related  security  interest to
the Trust Fund and shall  thereafter  cause the timely  filing of all  necessary
continuation statements with regard to such financing statements.

(f) It is  intended  that the  conveyance  by the  Company to the Trustee of the
Mortgage  Loans as provided for in this  Section 2.01 be and the  Uncertificated
REMIC Regular Interests,  if any (as provided for in Section 2.06), be construed
as a  sale  by the  Company  to  the  Trustee  of the  Mortgage  Loans  and  any
Uncertificated    REMIC    Regular    Interests   for   the   benefit   of   the
Certificateholders.  Further,  it is not intended that such conveyance be deemed
to be a pledge  of the  Mortgage  Loans  and any  Uncertificated  REMIC  Regular
Interests by the Company to the Trustee to secure a debt or other  obligation of
the Company.  Nonetheless,  (a) this Agreement is intended to be and hereby is a
security  agreement  within  the  meaning  of  Articles  8 and 9 of the New York
Uniform  Commercial Code and the Uniform Commercial Code of any other applicable
jurisdiction; (b) the conveyance provided for in Section 2.01 shall be deemed to
be,  and hereby  is,  (1) a grant by the  Company  to the  Trustee of a security
interest in all of the  Company's  right  (including  the power to convey  title
thereto), title and interest, whether now owned or hereafter acquired, in and to
any and all general intangibles,  payment intangibles,  accounts, chattel paper,
instruments, documents, money, deposit accounts, certificates of deposit, goods,
letters of credit,  advices of credit and investment property and other property
of whatever kind or description  now existing or hereafter  acquired  consisting
of,  arising from or relating to any of the following:  (A) the Mortgage  Loans,
including (i) with respect to each Cooperative  Loan, the related Mortgage Note,
Security   Agreement,   Assignment  of  Proprietary  Lease,   Cooperative  Stock
Certificate and Cooperative Lease, (ii) with respect to each Mortgage Loan other

                                       34
<PAGE>

than a Cooperative  Loan, the related Mortgage Note and Mortgage,  and (iii) any
insurance policies and all other documents in the related Mortgage File, (B) all
amounts  payable  pursuant to the Mortgage  Loans in  accordance  with the terms
thereof,  (C) any Uncertificated REMIC Regular Interests and (D) all proceeds of
the  conversion,   voluntary  or  involuntary,   of  the  foregoing  into  cash,
instruments,  securities or other  property,  including  without  limitation all
amounts  from time to time held or  invested in the  Certificate  Account or the
Custodial Account, whether in the form of cash, instruments, securities or other
property  and (2) an  assignment  by the Company to the Trustee of any  security
interest in any and all of Residential  Funding's right  (including the power to
convey  title  thereto),  title and  interest,  whether  now owned or  hereafter
acquired, in and to the property described in the foregoing clauses (1)(A), (B),
(C) and (D)  granted by  Residential  Funding  to the  Company  pursuant  to the
Assignment  Agreement;  (c) the possession by the Trustee,  the Custodian or any
other agent of the Trustee of Mortgage  Notes or such other items of property as
constitute instruments, money, payment intangibles, negotiable documents, goods,
deposit accounts,  letters of credit,  advices of credit,  investment  property,
certificated  securities or chattel paper shall be deemed to be  "possession  by
the secured party," or possession by a purchaser or a person  designated by such
secured party, for purposes of perfecting the security  interest pursuant to the
Minnesota Uniform  Commercial Code and the Uniform  Commercial Code of any other
applicable  jurisdiction as in effect (including,  without limitation,  Sections
8-106,  9-313 and 9-106 thereof);  and (d) notifications to persons holding such
property,  and  acknowledgments,  receipts or confirmations from persons holding
such property, shall be deemed notifications to, or acknowledgments, receipts or
confirmations from, securities intermediaries,  bailees or agents of, or persons
holding for (as  applicable)  the Trustee  for the  purpose of  perfecting  such
security interest under applicable law.

        The Company and, at the Company's direction, Residential Funding and the
Trustee  shall,  to  the  extent  consistent  with  this  Agreement,  take  such
reasonable  actions as may be necessary to ensure that, if this  Agreement  were
determined  to  create  a  security   interest  in  the  Mortgage   Loans,   any
Uncertificated  REMIC Regular Interests and the other property  described above,
such security  interest would be determined to be a perfected  security interest
of first priority under applicable law and will be maintained as such throughout
the term of this  Agreement.  Without  limiting the generality of the foregoing,
the Company shall prepare and deliver to the Trustee not less than 15 days prior
to any filing date and, the Trustee shall forward for filing,  or shall cause to
be forwarded for filing, at the expense of the Company, all filings necessary to
maintain the  effectiveness of any original filings  necessary under the Uniform
Commercial  Code as in effect  in any  jurisdiction  to  perfect  the  Trustee's
security interest in or lien on the Mortgage Loans and any Uncertificated  REMIC
Regular  Interests,  as evidenced by an  Officers'  Certificate  of the Company,
including  without  limitation (x) continuation  statements,  and (y) such other
statements  as may be  occasioned  by (1) any  change  of  name  of  Residential
Funding, the Company or the Trustee (such preparation and filing shall be at the
expense of the Trustee,  if occasioned by a change in the Trustee's  name),  (2)
any change of location of the place of business or the chief executive office of
Residential  Funding  or the  Company,  (3)  any  transfer  of any  interest  of
Residential  Funding or the Company in any Mortgage  Loan or (4) any transfer of
any interest of Residential  Funding or the Company in any Uncertificated  REMIC
Regular Interest.

                                       35
<PAGE>

(g) The Master  Servicer  hereby  acknowledges  the receipt by it of the Initial
Monthly  Payment  Fund.  The Master  Servicer  shall hold such  Initial  Monthly
Payment Fund in the  Custodial  Account and shall  include such Initial  Monthly
Payment Fund in the Available  Distribution Amount for the initial  Distribution
Date.  Notwithstanding  anything  herein to the  contrary,  the Initial  Monthly
Payment Fund shall not be an asset of any REMIC.  To the extent that the Initial
Monthly Payment Fund constitutes a reserve fund for federal income tax purposes,
(1) it shall be an outside  reserve  fund and not an asset of any REMIC,  (2) it
shall be owned by the Seller  and (3)  amounts  transferred  by any REMIC to the
Initial  Monthly  Payment Fund shall be treated as  transferred to the Seller or
any  successor,  all within the meaning of Section  1.860G-2(h)  of the Treasury
Regulations.

(h) The Company agrees that the sale of each Pledged Asset Loan pursuant to this
Agreement will also constitute the assignment, sale, setting-over,  transfer and
conveyance  to the  Trustee,  without  recourse  (but  subject to the  Company's
covenants,  representations and warranties specifically provided herein), of all
of the Company's  obligations and all of the Company's right, title and interest
in, to and under,  whether now  existing or  hereafter  acquired as owner of the
Mortgage  Loan  with  respect  to  any  and  all  money,  securities,   security
entitlements,  accounts, general intangibles, payment intangibles,  instruments,
documents, deposit accounts, certificates of deposit, commodities contracts, and
other  investment  property and other  property of whatever kind or  description
consisting of, arising from or related to (i) the Assigned  Contracts,  (ii) all
rights,  powers and remedies of the Company as owner of such Mortgage Loan under
or in connection with the Assigned Contracts, whether arising under the terms of
such Assigned  Contracts,  by statute, at law or in equity, or otherwise arising
out of any default by the  Mortgagor  under or in  connection  with the Assigned
Contracts,  including  all rights to exercise  any election or option or to make
any  decision  or  determination  or to give or  receive  any  notice,  consent,
approval  or  waiver  thereunder,  (iii)  the  Pledged  Amounts  and all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts,  and other  investment  property  and other  property of
whatever  kind or  description  and all cash and non-cash  proceeds of the sale,
exchange,  or  redemption  of,  and all stock or  conversion  rights,  rights to
subscribe,  liquidation  dividends or preferences,  stock  dividends,  rights to
interest, dividends, earnings, income, rents, issues, profits, interest payments
or other  distributions  of cash or other  property that secures a Pledged Asset
Loan, (iv) all documents,  books and records concerning the foregoing (including
all  computer  programs,  tapes,  disks and related  items  containing  any such
information) and (v) all insurance proceeds (including proceeds from the Federal
Deposit Insurance Corporation or the Securities Investor Protection  Corporation
or any other insurance company) of any of the foregoing or replacements  thereof
or substitutions therefor, proceeds of proceeds and the conversion, voluntary or
involuntary,  of any thereof.  The  foregoing  transfer,  sale,  assignment  and
conveyance does not constitute and is not intended to result in the creation, or
an assumption  by the Trustee,  of any  obligation of the Company,  or any other
person  in  connection  with the  Pledged  Assets  or  under  any  agreement  or
instrument  relating thereto,  including any obligation to the Mortgagor,  other
than as owner of the Mortgage Loan.

Section 2.02.  Acceptance by Trustee.
               ---------------------

        The Trustee  acknowledges  receipt (or,  with respect to Mortgage  Loans
subject  to  a  Custodial  Agreement,   and  based  solely  upon  a  receipt  or
certification executed by the Custodian,  receipt by the respective Custodian as

                                       36
<PAGE>

the duly appointed agent of the Trustee) of the documents referred to in Section
2.01(b)(i)  above  (except  that for  purposes of such  acknowledgement  only, a
Mortgage  Note may be endorsed in blank) and declares that it, or a Custodian as
its  agent,  holds  and  will  hold  such  documents  and  the  other  documents
constituting a part of the Mortgage Files delivered to it, or a Custodian as its
agent, and the rights of Residential Funding with respect to any Pledged Assets,
Additional  Collateral  and the Surety Bond assigned to the Trustee  pursuant to
Section  2.01,  in trust  for the use and  benefit  of all  present  and  future
Certificateholders.  The Trustee or Custodian (such Custodian being so obligated
under a Custodial Agreement) agrees, for the benefit of  Certificateholders,  to
review each Mortgage File delivered to it pursuant to Section  2.01(b) within 45
days  after  the  Closing  Date  to  ascertain   that  all  required   documents
(specifically as set forth in Section 2.01(b)), have been executed and received,
and that such documents  relate to the Mortgage Loans identified on the Mortgage
Loan Schedule, as supplemented, that have been conveyed to it, and to deliver to
the Trustee a certificate (the "Interim  Certification")  to the effect that all
documents  required to be delivered  pursuant to Section 2.01(b) above have been
executed  and  received and that such  documents  relate to the  Mortgage  Loans
identified on the Mortgage Loan Schedule,  except for any  exceptions  listed on
Schedule A attached to such Interim Certification. Upon delivery of the Mortgage
Files by the  Company or the Master  Servicer,  the  Trustee  shall  acknowledge
receipt (or, with respect to Mortgage  Loans  subject to a Custodial  Agreement,
and based  solely upon a receipt or  certification  executed  by the  Custodian,
receipt by the respective  Custodian as the duly appointed agent of the Trustee)
of the documents referred to in Section 2.01(c) above.

        If  the  Custodian,  as the  Trustee's  agent,  finds  any  document  or
documents constituting a part of a Mortgage File to be missing or defective, the
Trustee shall promptly so notify the Master  Servicer and the Company.  Pursuant
to Section 2.3 of the Custodial Agreement,  the Custodian will notify the Master
Servicer, the Company and the Trustee of any such omission or defect found by it
in respect of any Mortgage  File held by it in respect of the items  reviewed by
it pursuant to the Custodial  Agreement.  If such omission or defect  materially
and  adversely  affects  the  interests  of the  Certificateholders,  the Master
Servicer  shall  promptly  notify  the  related  Subservicer  or  Seller of such
omission or defect and request that such  Subservicer  or Seller correct or cure
such  omission or defect  within 60 days from the date the Master  Servicer  was
notified of such omission or defect and, if such  Subservicer or Seller does not
correct  or  cure  such  omission  or  defect  within  such  period,  that  such
Subservicer  or Seller  purchase  such  Mortgage Loan from the Trust Fund at its
Purchase  Price, in either case within 90 days from the date the Master Servicer
was notified of such omission or defect; provided that if the omission or defect
would cause the Mortgage Loan to be other than a "qualified mortgage" as defined
in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within
90 days from the date such breach was  discovered.  The  Purchase  Price for any
such Mortgage Loan, whether purchased by the Seller or the Subservicer, shall be
deposited  or caused to be  deposited  by the Master  Servicer in the  Custodial
Account  maintained  by it pursuant  to Section  3.07 and,  upon  receipt by the
Trustee of written  notification of such deposit signed by a Servicing  Officer,
the Trustee or any  Custodian,  as the case may be, shall  release to the Master
Servicer the related  Mortgage  File and the Trustee  shall  execute and deliver
such instruments of transfer or assignment  prepared by the Master Servicer,  in
each case without  recourse,  as shall be necessary to vest in the Seller or its
designee or the  Subservicer  or its designee,  as the case may be, any Mortgage
Loan released  pursuant  hereto and  thereafter  such Mortgage Loan shall not be
part of the Trust Fund. In furtherance of the foregoing,  if the  Subservicer or
Seller  that  repurchases  the  Mortgage  Loan is not a  member  of MERS and the

                                       37
<PAGE>

Mortgage is registered on the MERS(R) System,  the Master  Servicer,  at its own
expense and without any right of reimbursement,  shall cause MERS to execute and
deliver an  assignment  of the  Mortgage  in  recordable  form to  transfer  the
Mortgage from MERS to such  Subservicer  or Seller and shall cause such Mortgage
to be removed from  registration  on the MERS(R) System in accordance with MERS'
rules and  regulations.  It is understood  and agreed that the obligation of the
Seller  or the  Subservicer,  as the case  may be,  to so cure or  purchase  any
Mortgage  Loan as to which a material  and  adverse  defect in or  omission of a
constituent  document  exists shall  constitute the sole remedy  respecting such
defect or omission available to  Certificateholders  or the Trustee on behalf of
the Certificateholders.

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

(a) The Master  Servicer  hereby  represents and warrants to the Trustee for the
benefit of the Certificateholders that:

(i)     The Master Servicer is a corporation  duly organized,  validly  existing
        and in good standing under the laws governing its creation and existence
        and is or will be in compliance with the laws of each state in which any
        Mortgaged  Property  is located to the  extent  necessary  to ensure the
        enforceability  of each Mortgage  Loan in  accordance  with the terms of
        this Agreement;

(ii)    The execution and delivery of this Agreement by the Master  Servicer and
        its performance and compliance with the terms of this Agreement will not
        violate the Master Servicer's  Certificate of Incorporation or Bylaws or
        constitute a material  default (or an event which,  with notice or lapse
        of time, or both, would constitute a material  default) under, or result
        in the  material  breach of, any material  contract,  agreement or other
        instrument  to which  the  Master  Servicer  is a party or which  may be
        applicable to the Master Servicer or any of its assets;

(iii)   This Agreement,  assuming due  authorization,  execution and delivery by
        the  Trustee and the  Company,  constitutes  a valid,  legal and binding
        obligation of the Master Servicer,  enforceable against it in accordance
        with the terms  hereof  subject to  applicable  bankruptcy,  insolvency,
        reorganization,  moratorium and other laws affecting the  enforcement of
        creditors'  rights  generally  and  to  general  principles  of  equity,
        regardless of whether such  enforcement is considered in a proceeding in
        equity or at law;

(iv)    The  Master  Servicer  is not in  default  with  respect to any order or
        decree of any court or any order,  regulation  or demand of any federal,
        state,  municipal  or  governmental  agency,  which  default  might have
        consequences  that would  materially and adversely  affect the condition
        (financial  or  other)  or  operations  of the  Master  Servicer  or its
        properties or might have  consequences  that would materially  adversely
        affect its performance hereunder;

                                       38
<PAGE>

(v)     No  litigation  is  pending  or,  to the best of the  Master  Servicer's
        knowledge,  threatened  against the Master Servicer which would prohibit
        its entering into this  Agreement or performing  its  obligations  under
        this Agreement;

(vi)    The  Master  Servicer  will  comply  in  all  material  respects  in the
        performance of this Agreement with all reasonable rules and requirements
        of each insurer under each Required Insurance Policy;

(vii)   No  information,  certificate  of an  officer,  statement  furnished  in
        writing or report delivered to the Company, any Affiliate of the Company
        or the Trustee by the Master  Servicer  will,  to the  knowledge  of the
        Master Servicer, contain any untrue statement of a material fact or omit
        a  material  fact  necessary  to  make  the  information,   certificate,
        statement or report not misleading;

(viii)  The Master  Servicer has examined each  existing,  and will examine each
        new,  Subservicing  Agreement  and is or will be familiar with the terms
        thereof.  The terms of each  existing  Subservicing  Agreement  and each
        designated Subservicer are acceptable to the Master Servicer and any new
        Subservicing Agreements will comply with the provisions of Section 3.02;
        and

(ix)    The  Master  Servicer  is a member  of MERS in good  standing,  and will
        comply in all material respects with the rules and procedures of MERS in
        connection  with the servicing of the Mortgage Loans that are registered
        with MERS.

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

        Upon discovery by either the Company,  the Master Servicer,  the Trustee
or any Custodian of a breach of any representation or warranty set forth in this
Section  2.03(a) which  materially  and  adversely  affects the interests of the
Certificateholders in any Mortgage Loan, the party discovering such breach shall
give  prompt  written  notice  to the  other  parties  (any  Custodian  being so
obligated under a Custodial  Agreement).  Within 90 days of its discovery or its
receipt of notice of such breach, the Master Servicer shall either (i) cure such
breach in all  material  respects or (ii) to the extent that such breach is with
respect to a Mortgage  Loan or a related  document,  purchase such Mortgage Loan
from the Trust Fund at the Purchase Price and in the manner set forth in Section
2.02;  provided  that if the omission or defect would cause the Mortgage Loan to
be other than a  "qualified  mortgage" as defined in Section  860G(a)(3)  of the
Code,  any such cure or repurchase  must occur within 90 days from the date such
breach was discovered. The obligation of the Master Servicer to cure such breach
or to so purchase such Mortgage Loan shall constitute the sole remedy in respect
of a breach of a  representation  and warranty set forth in this Section 2.03(a)
available   to  the   Certificateholders   or  the  Trustee  on  behalf  of  the
Certificateholders.

(b)  Representations and warranties relating to the Mortgage Loans are set forth
in Section 2.03(b) of the Series Supplement.

                                       39
<PAGE>

Section 2.04.  Representations and Warranties of Sellers.

        The Company,  as assignee of  Residential  Funding under the  Assignment
Agreement,  hereby assigns to the Trustee for the benefit of  Certificateholders
all of its right, title and interest in respect of the Assignment  Agreement and
each Seller's Agreement applicable to a Mortgage Loan. Insofar as the Assignment
Agreement or the Company's  rights under such Seller's  Agreement  relate to the
representations and warranties made by Residential Funding or the related Seller
in respect of such Mortgage Loan and any remedies  provided  thereunder  for any
breach of such  representations  and warranties,  such right, title and interest
may be  enforced  by the  Master  Servicer  on  behalf  of the  Trustee  and the
Certificateholders.  Upon the discovery by the Company, the Master Servicer, the
Trustee  or  any  Custodian  of a  breach  of any  of  the  representations  and
warranties  made in a Seller's  Agreement that have been assigned to the Trustee
pursuant to this Section 2.04 or of a breach of any of the  representations  and
warranties made in the Assignment Agreement (which, for purposes hereof, will be
deemed to include any other cause giving rise to a repurchase  obligation  under
the Assignment  Agreement) in respect of any Mortgage Loan which  materially and
adversely affects the interests of the Certificateholders in such Mortgage Loan,
the party  discovering such breach shall give prompt written notice to the other
parties (any  Custodian  being so obligated  under a Custodial  Agreement).  The
Master Servicer shall promptly notify the related Seller or Residential Funding,
as the case may be, of such breach and request  that such Seller or  Residential
Funding,  as the case  may be,  either  (i) cure  such  breach  in all  material
respects  within 90 days from the date the Master  Servicer was notified of such
breach or (ii)  purchase  such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section 2.02;  provided that in the case of
a breach  under the  Assignment  Agreement  Residential  Funding  shall have the
option to  substitute  a Qualified  Substitute  Mortgage  Loan or Loans for such
Mortgage Loan if such substitution occurs within two years following the Closing
Date; provided that if the breach would cause the Mortgage Loan to be other than
a "qualified  mortgage" as defined in Section  860G(a)(3) of the Code,  any such
cure,  repurchase  or  substitution  must occur within 90 days from the date the
breach  was  discovered.  In  the  event  that  Residential  Funding  elects  to
substitute a Qualified  Substitute Mortgage Loan or Loans for a Deleted Mortgage
Loan  pursuant to this Section  2.04,  Residential  Funding shall deliver to the
Trustee for the benefit of the Certificateholders with respect to such Qualified
Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage,  an
Assignment of the Mortgage in recordable  form, if required  pursuant to Section
2.01,  and such other  documents and agreements as are required by Section 2.01,
with the Mortgage Note  endorsed as required by Section  2.01.  No  substitution
will be made in any calendar month after the Determination  Date for such month.
Monthly Payments due with respect to Qualified  Substitute Mortgage Loans in the
month of  substitution  shall not be part of the Trust Fund and will be retained
by the Master  Servicer  and  remitted  by the Master  Servicer  to  Residential
Funding on the next succeeding Distribution Date. For the month of substitution,
distributions to the Certificateholders  will include the Monthly Payment due on
a Deleted Mortgage Loan for such month and thereafter  Residential Funding shall
be entitled to retain all amounts  received in respect of such Deleted  Mortgage
Loan.  The Master  Servicer shall amend or cause to be amended the Mortgage Loan
Schedule,  and, if the Deleted  Mortgage Loan was a Discount  Mortgage Loan, the
Schedule of Discount  Fractions,  for the benefit of the  Certificateholders  to
reflect the removal of such Deleted  Mortgage Loan and the  substitution  of the
Qualified  Substitute  Mortgage  Loan or Loans  and the  Master  Servicer  shall
deliver the amended  Mortgage Loan Schedule,  and, if the Deleted  Mortgage Loan
was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the
Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans
shall be subject to the terms of this  Agreement  and the  related  Subservicing

                                       40
<PAGE>

Agreement in all respects,  the related  Seller shall be deemed to have made the
representations and warranties with respect to the Qualified Substitute Mortgage
Loan contained in the related Seller's Agreement as of the date of substitution,
insofar as Residential  Funding's rights in respect of such  representations and
warranties are assigned to the Company pursuant to the Assignment Agreement, and
the Company and the Master Servicer shall be deemed to have made with respect to
any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution,
the covenants, representations and warranties set forth in this Section 2.04, in
Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master
Servicer  shall be obligated  to  repurchase  or  substitute  for any  Qualified
Substitute  Mortgage  Loan as to which a  Repurchase  Event (as  defined  in the
Assignment  Agreement)  has  occurred  pursuant  to Section 4 of the  Assignment
Agreement.

        In connection with the substitution of one or more Qualified  Substitute
Mortgage Loans for one or more Deleted  Mortgage Loans, the Master Servicer will
determine  the amount (if any) by which the aggregate  principal  balance of all
such Qualified  Substitute Mortgage Loans as of the date of substitution is less
than the aggregate Stated  Principal  Balance of all such Deleted Mortgage Loans
(in each case after application of the principal portion of the Monthly Payments
due  in  the  month  of   substitution   that  are  to  be  distributed  to  the
Certificateholders  in the month of  substitution).  Residential  Funding  shall
deposit the amount of such  shortfall  into the Custodial  Account on the day of
substitution, without any reimbursement therefor. Residential Funding shall give
notice  in  writing  to the  Trustee  of  such  event,  which  notice  shall  be
accompanied by an Officers'  Certificate as to the calculation of such shortfall
and  (subject to Section  10.01(f))  by an Opinion of Counsel to the effect that
such  substitution will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any
REMIC  to  fail  to  qualify  as  such  at any  time  that  any  Certificate  is
outstanding.

        It is  understood  and  agreed  that the  obligation  of the  Seller  or
Residential  Funding, as the case may be, to cure such breach or purchase (or in
the case of  Residential  Funding to  substitute  for) such  Mortgage Loan as to
which such a breach has occurred and is  continuing  shall  constitute  the sole
remedy respecting such breach available to the Certificateholders or the Trustee
on behalf of Certificateholders.  If the Master Servicer is Residential Funding,
then the Trustee shall also have the right to give the  notification and require
the purchase or substitution  provided for in the second preceding  paragraph in
the event of such a breach of a  representation  or warranty made by Residential
Funding in the  Assignment  Agreement.  In  connection  with the  purchase of or
substitution  for any such Mortgage  Loan by  Residential  Funding,  the Trustee
shall  assign to  Residential  Funding  all of the  Trustee's  right,  title and
interest  in respect of the  Seller's  Agreement  and the  Assignment  Agreement
applicable to such Mortgage Loan.

Section  2.05.   Execution  and  Authentication  of   Certificates/Issuance   of
     Certificates Evidencing Interests in REMIC I Certificates.

               As provided in Section 2.05 of the Series Supplement.

                                       41
<PAGE>

Section  2.06.  Conveyance  of  Uncertificated  REMIC  I and  REMIC  II  Regular
     Interests; Acceptance by the Trustee.

               As provided in Section 2.06 of the Series Supplement.

Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II.

               As provided in Section 2.07 of the Series Supplement.

Section 2.08.  Purposes and Powers of the Trust.

        The  purpose of the trust,  as  created  hereunder,  is to engage in the
following activities:

(a) to sell the Certificates to the Company in exchange for the Mortgage Loans;

(b)     to enter into and perform its obligations under this Agreement;

(c) to engage in those activities that are necessary,  suitable or convenient to
accomplish the foregoing or are incidental thereto or connected therewith; and

(d)  subject  to  compliance  with  this  Agreement,  to  engage  in such  other
activities as may be required in connection with  conservation of the Trust Fund
and the making of distributions to the Certificateholders.

               The  trust  is  hereby  authorized  to  engage  in the  foregoing
activities. Notwithstanding the provisions of Section 11.01, the trust shall not
engage in any activity other than in connection with the foregoing or other than
as required or authorized by the terms of this Agreement  while any  Certificate
is outstanding, and this Section 2.08 may not be amended, without the consent of
the  Certificateholders  evidencing a majority of the aggregate Voting Rights of
the Certificates.

                                       42
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

Section 3.01.  Master Servicer to Act as Servicer.

(a) The Master  Servicer  shall  service and  administer  the Mortgage  Loans in
accordance  with the terms of this Agreement and the  respective  Mortgage Loans
and shall have full power and authority, acting alone or through Subservicers as
provided in Section 3.02,  to do any and all things which it may deem  necessary
or desirable in  connection  with such  servicing  and  administration.  Without
limiting the generality of the foregoing, the Master Servicer in its own name or
in the name of a Subservicer  is hereby  authorized and empowered by the Trustee
when the Master  Servicer or the  Subservicer,  as the case may be,  believes it
appropriate  in its best  judgment,  to execute  and  deliver,  on behalf of the
Certificateholders  and the Trustee or any of them,  any and all  instruments of
satisfaction or cancellation,  or of partial or full release or discharge, or of
consent to assumption or modification in connection with a proposed  conveyance,
or of  assignment  of any  Mortgage  and Mortgage  Note in  connection  with the
repurchase  of a Mortgage  Loan and all other  comparable  instruments,  or with
respect to the  modification  or  re-recording  of a Mortgage for the purpose of
correcting the Mortgage,  the subordination of the lien of the Mortgage in favor
of a public utility company or government  agency or unit with powers of eminent
domain,  the  taking  of a  deed  in  lieu  of  foreclosure,  the  commencement,
prosecution  or  completion  of  judicial  or  non-judicial   foreclosure,   the
conveyance of a Mortgaged  Property to the related  Insurer,  the acquisition of
any property  acquired by  foreclosure  or deed in lieu of  foreclosure,  or the
management,  marketing and conveyance of any property acquired by foreclosure or
deed in lieu of foreclosure  with respect to the Mortgage Loans and with respect
to the Mortgaged  Properties.  The Master  Servicer  further is  authorized  and
empowered by the Trustee, on behalf of the  Certificateholders  and the Trustee,
in its own name or in the name of the  Subservicer,  when the Master Servicer or
the  Subservicer,  as the  case  may be,  believes  it  appropriate  in its best
judgment to register  any  Mortgage  Loan on the  MERS(R)  System,  or cause the
removal from the  registration  of any Mortgage Loan on the MERS(R)  System,  to
execute and deliver, on behalf of the Trustee and the  Certificateholders or any
of them, any and all instruments of assignment and other comparable  instruments
with respect to such  assignment  or  re-recording  of a Mortgage in the name of
MERS,  solely as nominee for the Trustee and its  successors  and  assigns.  Any
expenses  incurred in  connection  with the actions  described in the  preceding
sentence  shall be borne by the  Master  Servicer  in  accordance  with  Section
3.16(c), with no right of reimbursement;  provided, that if, as a result of MERS
discontinuing  or becoming unable to continue  operations in connection with the
MERS System,  it becomes necessary to remove any Mortgage Loan from registration
on the MERS System and to arrange for the assignment of the related Mortgages to
the  Trustee,  then any related  expenses  shall be  reimbursable  to the Master
Servicer.  Notwithstanding the foregoing, subject to Section 3.07(a), the Master
Servicer  shall not permit any  modification  with respect to any Mortgage  Loan
that would both  constitute a sale or exchange of such  Mortgage Loan within the
meaning  of  Section  1001 of the  Code  and any  proposed,  temporary  or final
regulations  promulgated  thereunder  (other than in connection  with a proposed
conveyance  or  assumption  of such Mortgage Loan that is treated as a Principal
Prepayment  in Full  pursuant  to Section  3.13(d)  hereof)  and cause any REMIC
formed under the Series Supplement to fail to qualify as a REMIC under the Code.
The Trustee  shall  furnish the Master  Servicer with any powers of attorney and
other  documents  necessary  or  appropriate  to enable the Master  Servicer  to

                                       43
<PAGE>

service and administer the Mortgage  Loans.  The Trustee shall not be liable for
any action  taken by the Master  Servicer  or any  Subservicer  pursuant to such
powers of attorney.  In servicing and administering any Nonsubserviced  Mortgage
Loan,  the Master  Servicer  shall,  to the extent  not  inconsistent  with this
Agreement,  comply with the Program  Guide as if it were the  originator of such
Mortgage Loan and had retained the servicing  rights and  obligations in respect
thereof.  In connection with servicing and administering the Mortgage Loans, the
Master  Servicer  and any  Affiliate  of the  Master  Servicer  (i) may  perform
services such as  appraisals  and  brokerage  services that are not  customarily
provided by servicers  of mortgage  loans,  and shall be entitled to  reasonable
compensation  therefor in accordance  with Section 3.10 and (ii) may, at its own
discretion and on behalf of the Trustee,  obtain credit  information in the form
of a "credit score" from a credit repository.

(b) All costs incurred by the Master  Servicer or by  Subservicers  in effecting
the timely payment of taxes and  assessments  on the  properties  subject to the
Mortgage Loans shall not, for the purpose of calculating  monthly  distributions
to the  Certificateholders,  be added to the  amount  owing  under  the  related
Mortgage Loans,  notwithstanding that the terms of such Mortgage Loan so permit,
and  such  costs  shall  be  recoverable  to the  extent  permitted  by  Section
3.10(a)(ii).

(c) The Master Servicer may enter into one or more agreements in connection with
the offering of pass-through certificates evidencing interests in one or more of
the  Certificates  providing  for the payment by the Master  Servicer of amounts
received by the Master Servicer as servicing compensation hereunder and required
to cover certain  Prepayment  Interest  Shortfalls on the Mortgage Loans,  which
payment  obligation  will  thereafter be an  obligation  of the Master  Servicer
hereunder.

Section 3.02.  Subservicing Agreements Between Master Servicer and Subservicers;
     Enforcement of Subservicers' and Sellers' Obligations.

(a) The Master Servicer may continue in effect  Subservicing  Agreements entered
into by Residential Funding and Subservicers prior to the execution and delivery
of  this  Agreement,  and  may  enter  into  new  Subservicing  Agreements  with
Subservicers,  for  the  servicing  and  administration  of all or  some  of the
Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive
and retain,  as provided in the related  Subservicing  Agreement  and in Section
3.07, the related  Subservicing  Fee from payments of interest  received on such
Mortgage Loan after payment of all amounts required to be remitted to the Master
Servicer  in respect of such  Mortgage  Loan.  For any  Mortgage  Loan that is a
Nonsubserviced  Mortgage Loan, the Master  Servicer shall be entitled to receive
and retain an amount equal to the  Subservicing  Fee from  payments of interest.
Unless the context otherwise  requires,  references in this Agreement to actions
taken or to be taken by the Master  Servicer in  servicing  the  Mortgage  Loans
include  actions taken or to be taken by a  Subservicer  on behalf of the Master
Servicer.  Each Subservicing Agreement will be upon such terms and conditions as
are  generally   required  or  permitted  by  the  Program  Guide  and  are  not
inconsistent  with this Agreement and as the Master Servicer and the Subservicer
have agreed. A representative form of Subservicing Agreement is attached to this

                                       44
<PAGE>

Agreement as Exhibit E. With the approval of the Master Servicer,  a Subservicer
may  delegate its  servicing  obligations  to  third-party  servicers,  but such
Subservicer will remain obligated under the related Subservicing Agreement.  The
Master  Servicer  and a  Subservicer  may enter  into  amendments  thereto  or a
different form of Subservicing  Agreement,  and the form referred to or included
in the Program Guide is merely  provided for information and shall not be deemed
to limit in any respect the discretion of the Master Servicer to modify or enter
into  different  Subservicing  Agreements;  provided,  however,  that  any  such
amendments  or  different  forms  shall be  consistent  with and not violate the
provisions of either this Agreement or the Program Guide in a manner which would
materially and adversely affect the interests of the Certificateholders.

(b) As part of its servicing activities hereunder,  the Master Servicer, for the
benefit of the Trustee and the Certificateholders, shall use its best reasonable
efforts  to  enforce  the  obligations  of each  Subservicer  under the  related
Subservicing  Agreement and of each Seller under the related Seller's  Agreement
insofar as the  Company's  rights with respect to Seller's  obligation  has been
assigned to the Trustee hereunder, to the extent that the non-performance of any
such Seller's  obligation would have a material and adverse effect on a Mortgage
Loan, including,  without limitation, the obligation to purchase a Mortgage Loan
on account of  defective  documentation,  as described  in Section  2.02,  or on
account of a breach of a  representation  or  warranty,  as described in Section
2.04. Such enforcement,  including, without limitation, the legal prosecution of
claims,  termination  of  Subservicing  Agreements  or Seller's  Agreements,  as
appropriate,  and the pursuit of other  appropriate  remedies,  shall be in such
form and carried  out to such an extent and at such time as the Master  Servicer
would employ in its good faith business  judgment and which are normal and usual
in its general mortgage servicing activities.  The Master Servicer shall pay the
costs of such enforcement at its own expense,  and shall be reimbursed  therefor
only (i) from a general recovery  resulting from such enforcement to the extent,
if any,  that such  recovery  exceeds  all amounts due in respect of the related
Mortgage Loan or (ii) from a specific  recovery of costs,  expenses or attorneys
fees against the party against whom such  enforcement is directed.  For purposes
of clarification  only, the parties agree that the foregoing is not intended to,
and does not,  limit the  ability of the Master  Servicer to be  reimbursed  for
expenses  that are incurred in  connection  with the  enforcement  of a Seller's
obligations  (insofar  as the  Company's  rights with  respect to such  Seller's
obligations  have been assigned to the Trustee  hereunder) and are  reimbursable
pursuant to Section 3.10(a)(viii).

Section 3.03.  Successor Subservicers.

        The Master  Servicer  shall be entitled to  terminate  any  Subservicing
Agreement  that may exist in  accordance  with the terms and  conditions of such
Subservicing  Agreement and without any limitation by virtue of this  Agreement;
provided,  however,  that  in the  event  of  termination  of  any  Subservicing
Agreement by the Master Servicer or the  Subservicer,  the Master Servicer shall
either act as servicer of the related Mortgage Loan or enter into a Subservicing
Agreement with a successor  Subservicer  which will be bound by the terms of the
related  Subservicing  Agreement.  If the Master  Servicer or any  Affiliate  of
Residential  Funding  acts as  servicer,  it will not assume  liability  for the
representations  and  warranties of the  Subservicer  which it replaces.  If the
Master  Servicer   enters  into  a  Subservicing   Agreement  with  a  successor
Subservicer,  the  Master  Servicer  shall use  reasonable  efforts  to have the
successor  Subservicer assume liability for the  representations  and warranties
made by the terminated Subservicer in respect of the related Mortgage Loans and,

                                       45
<PAGE>

in the event of any such  assumption  by the successor  Subservicer,  the Master
Servicer may, in the exercise of its business  judgment,  release the terminated
Subservicer from liability for such representations and warranties.

Section 3.04.  Liability of the Master Servicer.
               --------------------------------

        Notwithstanding  any  Subservicing  Agreement,  any of the provisions of
this  Agreement  relating  to  agreements  or  arrangements  between  the Master
Servicer or a Subservicer or reference to actions taken through a Subservicer or
otherwise,  the Master Servicer shall remain obligated and liable to the Trustee
and the  Certificateholders  for the servicing and administering of the Mortgage
Loans in accordance  with the  provisions of Section 3.01 without  diminution of
such  obligation  or  liability  by virtue of such  Subservicing  Agreements  or
arrangements or by virtue of indemnification from the Subservicer or the Company
and to the same extent and under the same terms and  conditions as if the Master
Servicer alone were servicing and  administering  the Mortgage Loans. The Master
Servicer  shall be entitled to enter into any agreement  with a  Subservicer  or
Seller for  indemnification of the Master Servicer and nothing contained in this
Agreement shall be deemed to limit or modify such indemnification.

Section 3.05.  No Contractual Relationship Between Subservicer and
                      Trustee or Certificateholders.
                      -----------------------------

        Any  Subservicing  Agreement  that may be  entered  into  and any  other
transactions or services  relating to the Mortgage Loans involving a Subservicer
in its capacity as such and not as an  originator  shall be deemed to be between
the  Subservicer  and  the  Master  Servicer  alone  and  the  Trustee  and  the
Certificateholders shall not be deemed parties thereto and shall have no claims,
rights,  obligations,  duties or liabilities  with respect to the Subservicer in
its  capacity  as such  except  as set  forth in  Section  3.06.  The  foregoing
provision  shall  not in any way  limit a  Subservicer's  obligation  to cure an
omission or defect or to  repurchase  a Mortgage  Loan as referred to in Section
2.02 hereof.

Section 3.06.  Assumption or Termination of Subservicing Agreements by Trustee.
               ---------------------------------------------------------------

(a) If the Master Servicer shall for any reason no longer be the master servicer
(including by reason of an Event of Default),  the Trustee,  its designee or its
successor shall thereupon assume all of the rights and obligations of the Master
Servicer under each Subservicing  Agreement that may have been entered into. The
Trustee,  its designee or the successor servicer for the Trustee shall be deemed
to have  assumed  all of the  Master  Servicer's  interest  therein  and to have
replaced  the Master  Servicer as a party to the  Subservicing  Agreement to the
same extent as if the  Subservicing  Agreement had been assigned to the assuming
party  except  that the Master  Servicer  shall not  thereby be  relieved of any
liability or obligations under the Subservicing Agreement.

(b) The Master Servicer shall, upon request of the Trustee but at the expense of
the Master  Servicer,  deliver to the assuming  party all  documents and records
relating  to each  Subservicing  Agreement  and the  Mortgage  Loans  then being
serviced and an accounting of amounts collected and held by it and otherwise use
its  best  efforts  to  effect  the  orderly  and  efficient  transfer  of  each
Subservicing Agreement to the assuming party.

                                       46
<PAGE>

Section  3.07.  Collection  of  Certain  Mortgage  Loan  Payments;  Deposits  to
     Custodial Account.

(a) The Master  Servicer shall make  reasonable  efforts to collect all payments
called for under the terms and provisions of the Mortgage  Loans,  and shall, to
the extent such procedures shall be consistent with this Agreement and the terms
and provisions of any related Primary Insurance  Policy,  follow such collection
procedures as it would employ in its good faith business  judgment and which are
normal and usual in its general mortgage servicing  activities.  Consistent with
the  foregoing,  the Master  Servicer may in its  discretion  (i) waive any late
payment charge or any prepayment  charge or penalty  interest in connection with
the  prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due
on a Mortgage Loan in accordance with the Program Guide; provided, however, that
the Master Servicer shall first determine that any such waiver or extension will
not impair the coverage of any related  Primary  Insurance  Policy or materially
adversely  affect  the lien of the  related  Mortgage.  In the event of any such
arrangement,  the Master  Servicer  shall make  timely  advances  on the related
Mortgage Loan during the scheduled  period in accordance  with the  amortization
schedule of such  Mortgage Loan without  modification  thereof by reason of such
arrangements  unless  otherwise  agreed  to by the  Holders  of the  Classes  of
Certificates affected thereby;  provided,  however, that no such extension shall
be made if any such advance would be a Nonrecoverable  Advance.  Consistent with
the terms of this Agreement,  the Master Servicer may also waive, modify or vary
any  term  of any  Mortgage  Loan  or  consent  to the  postponement  of  strict
compliance with any such term or in any manner grant indulgence to any Mortgagor
if  in  the  Master   Servicer's   determination   such  waiver,   modification,
postponement  or  indulgence is not  materially  adverse to the interests of the
Certificateholders  (taking into account any estimated  Realized Loss that might
result absent such action); provided,  however, that the Master Servicer may not
modify  materially  or permit  any  Subservicer  to modify  any  Mortgage  Loan,
including  without  limitation any  modification  that would change the Mortgage
Rate,  forgive the payment of any  principal or interest  (unless in  connection
with the  liquidation of the related  Mortgage Loan or except in connection with
prepayments to the extent that such  reamortization is not inconsistent with the
terms of the Mortgage  Loan), or extend the final maturity date of such Mortgage
Loan,  unless such Mortgage Loan is in default or, in the judgment of the Master
Servicer, such default is reasonably foreseeable; and provided, further, that no
such  modification  shall reduce the interest  rate on a Mortgage Loan below the
sum of the Pool Strip Rate and the sum of the rates at which the  Servicing  Fee
and the  Subservicing  Fee  with  respect  to such  Mortgage  Loan  accrues.  In
connection with any Curtailment of a Mortgage Loan, the Master Servicer,  to the
extent not  inconsistent  with the terms of the Mortgage  Note and local law and
practice,  may permit the Mortgage Loan to be reamortized  such that the Monthly
Payment is  recalculated  as an amount that will fully  amortize  the  remaining
Stated  Principal  Balance  thereof by the original  Maturity  Date based on the
original  Mortgage  Rate;  provided,  that  such  re-amortization  shall  not be
permitted if it would  constitute a reissuance  of the Mortgage Loan for federal
income  tax  purposes,  except  if such  reissuance  is  described  in  Treasury
Regulation Section 1.860G-2(b)(3).

(b) The Master  Servicer  shall  establish  and maintain a Custodial  Account in
which the Master  Servicer  shall  deposit or cause to be  deposited  on a daily
basis, except as otherwise  specifically provided herein, the following payments
and  collections  remitted by  Subservicers  or received by it in respect of the
Mortgage  Loans  subsequent  to the  Cut-off  Date  (other  than in  respect  of
principal and interest on the Mortgage Loans due on or before the Cut-off Date):

                                       47
<PAGE>

(i)     All payments on account of principal,  including  Principal  Prepayments
        made by Mortgagors on the Mortgage Loans and the principal  component of
        any  Subservicer  Advance or of any REO Proceeds  received in connection
        with an REO Property for which an REO Disposition has occurred;

(ii)    All payments on account of interest at the Adjusted Mortgage Rate on the
        Mortgage  Loans,  including  Buydown  Funds,  if any,  and the  interest
        component of any Subservicer  Advance or of any REO Proceeds received in
        connection  with  an REO  Property  for  which  an REO  Disposition  has
        occurred;

(iii)Insurance Proceeds,  Subsequent Recoveries and Liquidation Proceeds (net of
     any related expenses of the Subservicer);

(iv)    All proceeds of any Mortgage Loans  purchased  pursuant to Section 2.02,
        2.03,  2.04  or  4.07  and  all  amounts  required  to be  deposited  in
        connection with the substitution of a Qualified Substitute Mortgage Loan
        pursuant to Section 2.03 or 2.04;

(v)  Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21;

(vi) All  amounts  transferred  from the  Certificate  Account to the  Custodial
     Account in accordance with Section 4.02(a);

(vii)Any  amounts  realized  by the  Subservicer  and  received  by  the  Master
     Servicer in respect of any Additional Collateral; and

(viii) Any amounts received by the Master Servicer in respect of Pledged Assets.

The  foregoing  requirements  for  deposit  in the  Custodial  Account  shall be
exclusive,  it being understood and agreed that, without limiting the generality
of the foregoing, payments on the Mortgage Loans which are not part of the Trust
Fund  (consisting  of  payments  in respect of  principal  and  interest  on the
Mortgage Loans due on or before the Cut-off Date) and payments or collections in
the nature of prepayment  charges or late payment charges or assumption fees may
but need not be deposited by the Master  Servicer in the Custodial  Account.  In
the event any amount not required to be deposited in the Custodial Account is so
deposited,  the Master  Servicer may at any time  withdraw  such amount from the
Custodial  Account,  any provision herein to the contrary  notwithstanding.  The
Custodial  Account  may  contain  funds that  belong to one or more trust  funds
created for mortgage  pass-through  certificates of other series and may contain
other  funds  respecting  payments  on mortgage  loans  belonging  to the Master
Servicer  or   serviced   or  master   serviced  by  it  on  behalf  of  others.
Notwithstanding  such  commingling  of funds,  the  Master  Servicer  shall keep
records that  accurately  reflect the funds on deposit in the Custodial  Account
that have been identified by it as being attributable to the Mortgage Loans.

        With respect to Insurance Proceeds,  Liquidation Proceeds,  REO Proceeds
and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02,
2.03,  2.04 and 4.07  received in any calendar  month,  the Master  Servicer may
elect to treat such amounts as included in the Available Distribution Amount for
the Distribution Date in the month of receipt, but is not obligated to do so. If
the Master Servicer so elects, such amounts will be deemed to have been received
(and any related Realized Loss shall be deemed to have occurred) on the last day
of the month prior to the receipt thereof.

                                       48
<PAGE>

(c) The Master  Servicer  shall use its best  efforts  to cause the  institution
maintaining the Custodial  Account to invest the funds in the Custodial  Account
attributable to the Mortgage Loans in Permitted  Investments  which shall mature
not later than the  Certificate  Account Deposit Date next following the date of
such investment (with the exception of the Amount Held for Future  Distribution)
and which shall not be sold or disposed of prior to their maturities. All income
and gain  realized  from any such  investment  shall be for the  benefit  of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal  or order from time to time.  The amount of any  losses  incurred  in
respect of any such  investments  attributable  to the  investment of amounts in
respect of the Mortgage Loans shall be deposited in the Custodial Account by the
Master Servicer out of its own funds  immediately as realized  without any right
of reimbursement.

(d) The Master  Servicer shall give notice to the Trustee and the Company of any
change  in the  location  of the  Custodial  Account  and  the  location  of the
Certificate Account prior to the use thereof.

Section 3.08.  Subservicing Accounts; Servicing Accounts.

(a) In those cases where a Subservicer  is servicing a Mortgage Loan pursuant to
a  Subservicing  Agreement,  the Master  Servicer  shall cause the  Subservicer,
pursuant to the  Subservicing  Agreement,  to establish and maintain one or more
Subservicing  Accounts which shall be an Eligible Account or, if such account is
not an Eligible Account, shall generally satisfy the requirements of the Program
Guide and be otherwise acceptable to the Master Servicer and each Rating Agency.
The  Subservicer  will be  required  thereby  to deposit  into the  Subservicing
Account  on a daily  basis  all  proceeds  of  Mortgage  Loans  received  by the
Subservicer,  less its Subservicing Fees and unreimbursed advances and expenses,
to the extent  permitted  by the  Subservicing  Agreement.  If the  Subservicing
Account is not an Eligible Account,  the Master Servicer shall be deemed to have
received such monies upon receipt  thereof by the  Subservicer.  The Subservicer
shall not be  required  to  deposit  in the  Subservicing  Account  payments  or
collections  in the nature of  prepayment  charges or late charges or assumption
fees.  On or before the date  specified  in the Program  Guide,  but in no event
later  than  the  Determination  Date,  the  Master  Servicer  shall  cause  the
Subservicer,  pursuant  to the  Subservicing  Agreement,  to remit to the Master
Servicer for deposit in the Custodial Account all funds held in the Subservicing
Account with respect to each Mortgage Loan serviced by such Subservicer that are
required to be remitted to the Master  Servicer.  The  Subservicer  will also be
required,  pursuant to the Subservicing  Agreement, to advance on such scheduled
date of  remittance  amounts  equal to any  scheduled  monthly  installments  of
principal  and interest  less its  Subservicing  Fees on any Mortgage  Loans for
which payment was not received by the  Subservicer.  This  obligation to advance
with respect to each  Mortgage  Loan will continue up to and including the first
of the month following the date on which the related Mortgaged  Property is sold
at a  foreclosure  sale  or is  acquired  by the  Trust  Fund by deed in lieu of
foreclosure  or  otherwise.  All such advances  received by the Master  Servicer
shall be deposited promptly by it in the Custodial Account.

                                       49
<PAGE>

(b)  The  Subservicer  may  also  be  required,  pursuant  to  the  Subservicing
Agreement,  to remit to the Master Servicer for deposit in the Custodial Account
interest at the Adjusted  Mortgage  Rate (or Modified Net Mortgage Rate plus the
rate per annum at which the  Servicing  Fee  accrues  in the case of a  Modified
Mortgage Loan) on any Curtailment  received by such  Subservicer in respect of a
Mortgage Loan from the related  Mortgagor during any month that is to be applied
by the  Subservicer  to reduce  the  unpaid  principal  balance  of the  related
Mortgage Loan as of the first day of such month, from the date of application of
such  Curtailment to the first day of the following month. Any amounts paid by a
Subservicer  pursuant to the preceding  sentence shall be for the benefit of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal or order from time to time pursuant to Sections 3.10(a)(iv) and (v).

(c) In addition to the Custodial Account and the Certificate Account, the Master
Servicer  shall  for any  Nonsubserviced  Mortgage  Loan,  and  shall  cause the
Subservicers  for Subserviced  Mortgage Loans to,  establish and maintain one or
more Servicing  Accounts and deposit and retain therein all collections from the
Mortgagors   (or  advances  from   Subservicers)   for  the  payment  of  taxes,
assessments,  hazard insurance premiums,  Primary Insurance Policy premiums,  if
applicable,  or  comparable  items  for  the  account  of the  Mortgagors.  Each
Servicing Account shall satisfy the requirements for a Subservicing Account and,
to the extent  permitted by the Program  Guide or as is otherwise  acceptable to
the Master Servicer, may also function as a Subservicing Account. Withdrawals of
amounts  related to the Mortgage  Loans from the Servicing  Accounts may be made
only to effect timely payment of taxes, assessments,  hazard insurance premiums,
Primary  Insurance  Policy  premiums,  if applicable,  or comparable  items,  to
reimburse the Master Servicer or Subservicer out of related  collections for any
payments made  pursuant to Sections 3.11 (with respect to the Primary  Insurance
Policy)  and  3.12(a)  (with  respect  to  hazard  insurance),  to refund to any
Mortgagors  any sums as may be  determined to be overages,  to pay interest,  if
required,  to Mortgagors  on balances in the  Servicing  Account or to clear and
terminate  the  Servicing  Account  at the  termination  of  this  Agreement  in
accordance with Section 9.01 or in accordance with the Program Guide. As part of
its servicing  duties,  the Master Servicer shall,  and the  Subservicers  will,
pursuant to the  Subservicing  Agreements,  be required to pay to the Mortgagors
interest on funds in this account to the extent required by law.

(d) The Master Servicer shall advance the payments  referred to in the preceding
subsection  that  are not  timely  paid by the  Mortgagors  or  advanced  by the
Subservicers  on the date when the tax,  premium  or other  cost for which  such
payment is  intended  is due,  but the Master  Servicer  shall be required so to
advance only to the extent that such advances, in the good faith judgment of the
Master  Servicer,  will be recoverable  by the Master  Servicer out of Insurance
Proceeds, Liquidation Proceeds or otherwise.

Section 3.09.  Access to Certain Documentation and
                      Information Regarding the Mortgage Loans.
                      ----------------------------------------

        If   compliance   with  this  Section  3.09  shall  make  any  Class  of
Certificates  legal  for  investment  by  federally  insured  savings  and  loan
associations,  the Master Servicer shall provide,  or cause the  Subservicers to
provide,  to the Trustee,  the Office of Thrift  Supervision or the FDIC and the
supervisory  agents and examiners thereof access to the documentation  regarding
the Mortgage  Loans  required by applicable  regulations of the Office of Thrift

                                       50
<PAGE>

Supervision,  such access being afforded without charge but only upon reasonable
request and during normal business hours at the offices designated by the Master
Servicer. The Master Servicer shall permit such representatives to photocopy any
such  documentation  and shall  provide  equipment  for that purpose at a charge
reasonably approximating the cost of such photocopying to the Master Servicer.

Section 3.10.  Permitted Withdrawals from the Custodial Account.

(a) The  Master  Servicer  may,  from  time to time  as  provided  herein,  make
withdrawals from the Custodial Account of amounts on deposit therein pursuant to
Section  3.07 that are  attributable  to the  Mortgage  Loans for the  following
purposes:

(i)  to make  deposits  into the  Certificate  Account in the amounts and in the
     manner provided for in Section 4.01;

(ii) to reimburse itself or the related Subservicer for previously  unreimbursed
     advances or expenses made pursuant to Sections 3.01,  3.07(a),  3.08, 3.11,
     3.12(a),  3.14 and 4.04 or otherwise  reimbursable pursuant to the terms of
     this Agreement,  such withdrawal right being limited to amounts received on
     particular  Mortgage  Loans  (including,  for this  purpose,  REO Proceeds,
     Insurance Proceeds,  Liquidation Proceeds and proceeds from the purchase of
     a  Mortgage  Loan  pursuant  to Section  2.02,  2.03,  2.04 or 4.07)  which
     represent  (A) Late  Collections  of  Monthly  Payments  for which any such
     advance was made in the case of Subservicer  Advances or Advances  pursuant
     to  Section  4.04 and (B)  recoveries  of  amounts in respect of which such
     advances were made in the case of Servicing Advances;

(iii)to pay to itself or the related  Subservicer (if not previously retained by
     such  Subservicer)  out of each payment  received by the Master Servicer on
     account of interest on a Mortgage Loan as contemplated by Sections 3.14 and
     3.16, an amount equal to that  remaining  portion of any such payment as to
     interest (but not in excess of the Servicing Fee and the Subservicing  Fee,
     if not  previously  retained)  which,  when  deducted,  will  result in the
     remaining  amount of such interest  being interest at the Net Mortgage Rate
     (or Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan) on
     the amount specified in the  amortization  schedule of the related Mortgage
     Loan as the  principal  balance  thereof  at the  beginning  of the  period
     respecting which such interest was paid after giving effect to any previous
     Curtailments;

(iv)    to pay to itself as additional  servicing  compensation  any interest or
        investment  income  earned on funds and other  property  deposited in or
        credited  to the  Custodial  Account  that it is  entitled  to  withdraw
        pursuant to Section 3.07(c);

(v)     to pay to itself as additional  servicing  compensation  any Foreclosure
        Profits,  any amounts remitted by Subservicers as interest in respect of
        Curtailments  pursuant to Section  3.08(b),  and any  amounts  paid by a
        Mortgagor in connection  with a Principal  Prepayment in Full in respect
        of  interest  for any  period  during the  calendar  month in which such
        Principal   Prepayment   in   Full   is  to  be   distributed   to   the
        Certificateholders;

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<PAGE>

(vi)    to pay to itself,  a Subservicer,  a Seller,  Residential  Funding,  the
        Company  or any  other  appropriate  Person,  as the case  may be,  with
        respect to each  Mortgage Loan or property  acquired in respect  thereof
        that has been  purchased  or otherwise  transferred  pursuant to Section
        2.02,  2.03,  2.04, 4.07 or 9.01, all amounts  received  thereon and not
        required to be distributed to the  Certificateholders  as of the date on
        which  the  related  Stated  Principal  Balance  or  Purchase  Price  is
        determined;

(vii)   to reimburse  itself or the related  Subservicer for any  Nonrecoverable
        Advance  or  Advances  in  the  manner  and to the  extent  provided  in
        subsection (c) below, any Advance made in connection with a modification
        of a Mortgage  Loan that is in default or, in the judgment of the Master
        Servicer, default is reasonably foreseeable pursuant to Section 3.07(a),
        to  the  extent  the  amount  of  the  Advance  has  been  added  to the
        outstanding  principal  balance of the  Mortgage  Loan,  or any  Advance
        reimbursable to the Master Servicer pursuant to Section 4.02(a);

(viii)  to  reimburse  itself  or  the  Company  for  expenses  incurred  by and
        reimbursable to it or the Company  pursuant to Sections  3.01(a),  3.11,
        3.13,  3.14(c),  6.03,  10.01  or  otherwise,   or  in  connection  with
        enforcing,   in  accordance   with  this   Agreement,   any  repurchase,
        substitution or indemnification  obligation of any Seller (other than an
        Affiliate of the Company) pursuant to the related Seller's Agreement;

(ix)    to reimburse itself for Servicing  Advances  expended by it (a) pursuant
        to Section  3.14 in good faith in  connection  with the  restoration  of
        property  damaged by an Uninsured  Cause, and (b) in connection with the
        liquidation  of a Mortgage Loan or disposition of an REO Property to the
        extent not otherwise reimbursed pursuant to clause (ii) or (viii) above;
        and

(x)  to withdraw  any amount  deposited  in the  Custodial  Account that was not
     required to be deposited therein pursuant to Section 3.07.

(b) Since, in connection with withdrawals  pursuant to clauses (ii),  (iii), (v)
and (vi), the Master Servicer's entitlement thereto is limited to collections or
other  recoveries on the related  Mortgage Loan, the Master  Servicer shall keep
and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for
the purpose of justifying any withdrawal from the Custodial  Account pursuant to
such clauses.

(c) The Master  Servicer  shall be entitled to  reimburse  itself or the related
Subservicer  for any advance made in respect of a Mortgage  Loan that the Master
Servicer  determines  to be a  Nonrecoverable  Advance  by  withdrawal  from the
Custodial  Account of amounts on deposit  therein  attributable  to the Mortgage
Loans  on any  Certificate  Account  Deposit  Date  succeeding  the date of such
determination.  Such  right of  reimbursement  in  respect  of a  Nonrecoverable
Advance  on any such  Certificate  Account  Deposit  Date shall be limited to an
amount  not   exceeding  the  portion  of  such  advance   previously   paid  to
Certificateholders (and not theretofore reimbursed to the Master Servicer or the
related Subservicer).

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<PAGE>

Section 3.11.  Maintenance of the Primary Insurance
                      Policies; Collections Thereunder.

(a) The Master  Servicer shall not take, or permit any  Subservicer to take, any
action which would result in non-coverage under any applicable Primary Insurance
Policy  of any  loss  which,  but for the  actions  of the  Master  Servicer  or
Subservicer,  would have been  covered  thereunder.  To the extent  coverage  is
available,  the Master Servicer shall keep or cause to be kept in full force and
effect each such Primary  Insurance  Policy until the  principal  balance of the
related Mortgage Loan secured by a Mortgaged  Property is reduced to 80% or less
of  the  Appraised  Value  in  the  case  of  such  a  Mortgage  Loan  having  a
Loan-to-Value  Ratio at origination in excess of 80%, provided that such Primary
Insurance  Policy  was in  place as of the  Cut-off  Date  and the  Company  had
knowledge  of such  Primary  Insurance  Policy.  The  Master  Servicer  shall be
entitled to cancel or permit the discontinuation of any Primary Insurance Policy
as to any Mortgage Loan, if the Stated Principal Balance of the Mortgage Loan is
reduced  below an  amount  equal to 80% of the  appraised  value of the  related
Mortgaged  Property as  determined  in any  appraisal  thereof after the Closing
Date,  or if the  Loan-to-Value  Ratio  is  reduced  below  80% as a  result  of
principal  payments on the Mortgage  Loan after the Closing  Date.  In the event
that the Company  gains  knowledge  that as of the Closing Date, a Mortgage Loan
had a Loan-to-Value Ratio at origination in excess of 80% and is not the subject
of a Primary  Insurance  Policy (and was not  included in any  exception  to the
representation in Section 2.03(b)(iv)) and that such Mortgage Loan has a current
Loan-to-Value  Ratio in excess  of 80% then the  Master  Servicer  shall use its
reasonable  efforts to obtain and  maintain  a Primary  Insurance  Policy to the
extent  that such a policy is  obtainable  at a  reasonable  price.  The  Master
Servicer shall not cancel or refuse to renew any such Primary  Insurance  Policy
applicable to a  Nonsubserviced  Mortgage  Loan,  or consent to any  Subservicer
canceling or refusing to renew any such Primary Insurance Policy applicable to a
Mortgage  Loan  subserviced  by it, that is in effect at the date of the initial
issuance  of the  Certificates  and is  required  to be kept in force  hereunder
unless the replacement Primary Insurance Policy for such canceled or non-renewed
policy is maintained with an insurer whose  claims-paying  ability is acceptable
to each Rating  Agency for mortgage  pass-through  certificates  having a rating
equal to or better  than the  lower of the  then-current  rating  or the  rating
assigned to the Certificates as of the Closing Date by such Rating Agency.

(b) In  connection  with its  activities  as  administrator  and servicer of the
Mortgage  Loans,  the Master  Servicer agrees to present or to cause the related
Subservicer to present,  on behalf of the Master Servicer,  the Subservicer,  if
any, the Trustee and Certificateholders, claims to the related Insurer under any
Primary Insurance Policies, in a timely manner in accordance with such policies,
and,  in this  regard,  to take or cause to be taken such  reasonable  action as
shall be  necessary  to permit  recovery  under any Primary  Insurance  Policies
respecting  defaulted  Mortgage  Loans.  Pursuant to Section 3.07, any Insurance
Proceeds  collected  by or  remitted  to the Master  Servicer  under any Primary
Insurance  Policies  shall be deposited  in the  Custodial  Account,  subject to
withdrawal pursuant to Section 3.10.

Section 3.12.  Maintenance of Fire Insurance and
                      Omissions and Fidelity Coverage.

(a) The Master  Servicer  shall cause to be  maintained  for each  Mortgage Loan
(other than a Cooperative  Loan) fire  insurance  with  extended  coverage in an
amount  which is equal to the  lesser  of the  principal  balance  owing on such
Mortgage  Loan  or 100  percent  of the  insurable  value  of the  improvements;

                                       53
<PAGE>

provided,  however,  that such coverage may not be less than the minimum  amount
required to fully compensate for any loss or damage on a replacement cost basis.
To the extent it may do so without breaching the related Subservicing Agreement,
the Master  Servicer  shall  replace  any  Subservicer  that does not cause such
insurance, to the extent it is available, to be maintained.  The Master Servicer
shall also cause to be maintained on property acquired upon foreclosure, or deed
in lieu of  foreclosure,  of any Mortgage Loan (other than a Cooperative  Loan),
fire  insurance  with extended  coverage in an amount which is at least equal to
the  amount  necessary  to avoid  the  application  of any  co-insurance  clause
contained in the related hazard insurance policy.  Pursuant to Section 3.07, any
amounts  collected by the Master  Servicer  under any such policies  (other than
amounts to be  applied to the  restoration  or repair of the  related  Mortgaged
Property  or property  thus  acquired or amounts  released to the  Mortgagor  in
accordance with the Master  Servicer's  normal  servicing  procedures)  shall be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10. Any cost incurred by the Master Servicer in maintaining any such insurance
shall  not,  for  the  purpose  of  calculating  monthly  distributions  to  the
Certificateholders,  be added to the  amount  owing  under  the  Mortgage  Loan,
notwithstanding  that the terms of the Mortgage Loan so permit. Such costs shall
be  recoverable  by the Master  Servicer  out of related  late  payments  by the
Mortgagor or out of Insurance  Proceeds and  Liquidation  Proceeds to the extent
permitted by Section  3.10.  It is  understood  and agreed that no earthquake or
other  additional  insurance is to be required of any Mortgagor or maintained on
property  acquired  in respect of a Mortgage  Loan other than  pursuant  to such
applicable  laws and  regulations  as shall at any time be in force and as shall
require such additional insurance. Whenever the improvements securing a Mortgage
Loan (other than a Cooperative  Loan) are located at the time of  origination of
such Mortgage  Loan in a federally  designated  special  flood hazard area,  the
Master  Servicer  shall cause flood  insurance  (to the extent  available) to be
maintained in respect thereof.  Such flood insurance shall be in an amount equal
to the lesser of (i) the amount required to compensate for any loss or damage to
the Mortgaged  Property on a replacement  cost basis and (ii) the maximum amount
of such  insurance  available  for the  related  Mortgaged  Property  under  the
national flood insurance program (assuming that the area in which such Mortgaged
Property is located is participating in such program).

        If the  Master  Servicer  shall  obtain  and  maintain  a  blanket  fire
insurance policy with extended coverage insuring against hazard losses on all of
the  Mortgage  Loans,  it shall  conclusively  be deemed to have  satisfied  its
obligations as set forth in the first sentence of this Section 3.12(a), it being
understood and agreed that such policy may contain a deductible clause, in which
case the Master  Servicer  shall,  in the event  that there  shall not have been
maintained on the related  Mortgaged  Property a policy complying with the first
sentence  of this  Section  3.12(a) and there shall have been a loss which would
have been covered by such policy,  deposit in the Certificate Account the amount
not  otherwise  payable  under the  blanket  policy  because of such  deductible
clause. Any such deposit by the Master Servicer shall be made on the Certificate
Account  Deposit Date next preceding the  Distribution  Date which occurs in the
month  following  the month in which  payments  under any such policy would have
been deposited in the Custodial  Account.  In connection  with its activities as
administrator  and servicer of the Mortgage Loans, the Master Servicer agrees to
present,  on behalf of itself,  the Trustee and the  Certificateholders,  claims
under any such blanket policy.

                                       54
<PAGE>

(b) The Master Servicer shall obtain and maintain at its own expense and keep in
full force and effect  throughout the term of this Agreement a blanket  fidelity
bond and an errors and omissions insurance policy covering the Master Servicer's
officers and employees and other persons acting on behalf of the Master Servicer
in connection with its activities  under this Agreement.  The amount of coverage
shall be at least equal to the coverage  that would be required by Fannie Mae or
Freddie Mac,  whichever is greater,  with respect to the Master  Servicer if the
Master Servicer were servicing and  administering  the Mortgage Loans for Fannie
Mae or Freddie  Mac.  In the event that any such bond or policy  ceases to be in
effect, the Master Servicer shall obtain a comparable replacement bond or policy
from an issuer or insurer, as the case may be, meeting the requirements, if any,
of the  Program  Guide and  acceptable  to the  Company.  Coverage of the Master
Servicer under a policy or bond obtained by an Affiliate of the Master  Servicer
and  providing the coverage  required by this Section  3.12(b) shall satisfy the
requirements of this Section 3.12(b).

Section 3.13.  Enforcement of Due-on-Sale Clauses; Assumption and
                      Modification Agreements; Certain Assignments.
                      ---------------------------------------------

(a) When any  Mortgaged  Property  is  conveyed  by the  Mortgagor,  the  Master
Servicer or  Subservicer,  to the extent it has  knowledge  of such  conveyance,
shall enforce any due-on-sale clause contained in any Mortgage Note or Mortgage,
to the extent permitted under applicable law and governmental  regulations,  but
only to the extent that such enforcement will not adversely affect or jeopardize
coverage under any Required Insurance Policy. Notwithstanding the foregoing:

(i)     the  Master  Servicer  shall not be deemed to be in  default  under this
        Section 3.13(a) by reason of any transfer or assumption which the Master
        Servicer is restricted by law from preventing; and

(ii)    if the Master Servicer  determines that it is reasonably likely that any
        Mortgagor will bring,  or if any Mortgagor  does bring,  legal action to
        declare invalid or otherwise avoid  enforcement of a due-on-sale  clause
        contained in any Mortgage Note or Mortgage,  the Master  Servicer  shall
        not be  required to enforce the  due-on-sale  clause or to contest  such
        action.

(b) Subject to the Master  Servicer's duty to enforce any due-on-sale  clause to
the  extent  set  forth in  Section  3.13(a),  in any case in which a  Mortgaged
Property  is to be conveyed  to a Person by a  Mortgagor,  and such Person is to
enter into an assumption or modification agreement or supplement to the Mortgage
Note  or  Mortgage  which  requires  the  signature  of  the  Trustee,  or if an
instrument of release signed by the Trustee is required  releasing the Mortgagor
from liability on the Mortgage Loan, the Master Servicer is authorized,  subject
to the requirements of the sentence next following,  to execute and deliver,  on
behalf of the  Trustee,  the  assumption  agreement  with the Person to whom the
Mortgaged  Property  is  to be  conveyed  and  such  modification  agreement  or
supplement  to the  Mortgage  Note  or  Mortgage  or  other  instruments  as are
reasonable  or necessary to carry out the terms of the Mortgage Note or Mortgage
or otherwise to comply with any  applicable  laws  regarding  assumptions or the
transfer of the Mortgaged Property to such Person;  provided,  however,  none of
such terms and requirements  shall either (i) both (A) constitute a "significant
modification"  effecting an exchange or  reissuance  of such Mortgage Loan under
the REMIC  Provisions  and (B) cause any portion of any REMIC  formed  under the
Series  Supplement  to fail to qualify as a REMIC  under the Code or (subject to
Section  10.01(f)),   result  in  the  imposition  of  any  tax  on  "prohibited
transactions" or (ii) constitute  "contributions"  after the start-up date under
the REMIC  Provisions.  The Master  Servicer  shall  execute  and  deliver  such
documents only if it reasonably  determines  that (i) its execution and delivery
thereof will not conflict  with or violate any terms of this  Agreement or cause

                                       55
<PAGE>

the unpaid  balance and interest on the  Mortgage  Loan to be  uncollectible  in
whole or in part,  (ii) any  required  consents of insurers  under any  Required
Insurance Policies have been obtained and (iii) subsequent to the closing of the
transaction  involving  the  assumption  or transfer (A) the Mortgage  Loan will
continue  to be secured by a first  mortgage  lien  pursuant to the terms of the
Mortgage,  (B) such transaction will not adversely affect the coverage under any
Required Insurance Policies,  (C) the Mortgage Loan will fully amortize over the
remaining term thereof, (D) no material term of the Mortgage Loan (including the
interest  rate on the  Mortgage  Loan) will be altered  nor will the term of the
Mortgage  Loan be  changed  and (E) if the  seller/transferor  of the  Mortgaged
Property is to be released  from  liability on the Mortgage  Loan,  such release
will  not  (based  on  the  Master   Servicer's  or  Subservicer's   good  faith
determination)  adversely affect the  collectability  of the Mortgage Loan. Upon
receipt of appropriate  instructions from the Master Servicer in accordance with
the  foregoing,  the Trustee shall execute any  necessary  instruments  for such
assumption  or  substitution  of  liability as directed in writing by the Master
Servicer.  Upon the closing of the transactions  contemplated by such documents,
the Master  Servicer shall cause the originals or true and correct copies of the
assumption agreement, the release (if any), or the modification or supplement to
the Mortgage  Note or Mortgage to be  delivered to the Trustee or the  Custodian
and deposited  with the Mortgage File for such Mortgage  Loan. Any fee collected
by the  Master  Servicer  or  such  related  Subservicer  for  entering  into an
assumption or substitution of liability agreement will be retained by the Master
Servicer or such Subservicer as additional servicing compensation.

(c) The Master Servicer or the related Subservicer, as the case may be, shall be
entitled  to approve a request  from a  Mortgagor  for a partial  release of the
related  Mortgaged  Property,  the  granting of an easement  thereon in favor of
another Person,  any alteration or demolition of the related Mortgaged  Property
(or,  with respect to a Cooperative  Loan,  the related  Cooperative  Apartment)
without  any  right  of  reimbursement  or  other  similar  matters  if  it  has
determined, exercising its good faith business judgment in the same manner as it
would if it were the owner of the related  Mortgage Loan, that the security for,
and the timely  and full  collectability  of,  such  Mortgage  Loan would not be
adversely  affected  thereby and that any portion of any REMIC  formed under the
Series  Supplement  would not fail to  continue  to qualify as a REMIC under the
Code as a result  thereof  and  (subject  to  Section  10.01(f))  that no tax on
"prohibited  transactions"  or  "contributions"  after the  startup day would be
imposed on any such REMIC as a result  thereof.  Any fee collected by the Master
Servicer  or the  related  Subservicer  for  processing  such a request  will be
retained by the Master  Servicer or such  Subservicer  as  additional  servicing
compensation.

(d) Subject to any other applicable terms and conditions of this Agreement,  the
Trustee and Master  Servicer  shall be entitled to approve an assignment in lieu
of  satisfaction  with respect to any Mortgage  Loan,  provided the obligee with
respect to such Mortgage Loan  following such proposed  assignment  provides the
Trustee and Master  Servicer  with a "Lender  Certification  for  Assignment  of
Mortgage  Loan" in the form attached  hereto as Exhibit M, in form and substance
satisfactory to the Trustee and Master  Servicer,  providing the following:  (i)
that the substance of the assignment is, and is intended to be, a refinancing of

                                       56
<PAGE>

such  Mortgage;  (ii) that the Mortgage Loan  following the proposed  assignment
will have a rate of  interest at least 0.25  percent  below or above the rate of
interest on such Mortgage Loan prior to such proposed assignment; and (iii) that
such  assignment  is at the request of the borrower  under the related  Mortgage
Loan. Upon approval of an assignment in lieu of satisfaction with respect to any
Mortgage Loan, the Master  Servicer shall receive cash in an amount equal to the
unpaid  principal  balance of and accrued interest on such Mortgage Loan and the
Master  Servicer shall treat such amount as a Principal  Prepayment in Full with
respect to such Mortgage Loan for all purposes hereof.

Section 3.14.  Realization Upon Defaulted Mortgage Loans.
               -----------------------------------------

(a) The Master  Servicer shall  foreclose upon or otherwise  comparably  convert
(which may include an REO Acquisition) the ownership of properties securing such
of the  Mortgage  Loans as come into and  continue in default and as to which no
satisfactory  arrangements  can be made for  collection of  delinquent  payments
pursuant  to  Section  3.07.  In  connection  with  such  foreclosure  or  other
conversion, the Master Servicer shall, consistent with Section 3.11, follow such
practices and  procedures as it shall deem  necessary or advisable,  as shall be
normal and usual in its general  mortgage  servicing  activities and as shall be
required or permitted by the Program  Guide;  provided that the Master  Servicer
shall not be liable in any respect hereunder if the Master Servicer is acting in
connection  with any such  foreclosure  or other  conversion in a manner that is
consistent with the provisions of this Agreement. The Master Servicer,  however,
shall not be  required  to  expend  its own  funds or incur  other  reimbursable
charges in connection with any foreclosure,  or attempted  foreclosure  which is
not  completed,  or towards  the  restoration  of any  property  unless it shall
determine  (i) that  such  restoration  and/or  foreclosure  will  increase  the
proceeds of liquidation of the Mortgage Loan to Holders of  Certificates  of one
or more Classes after  reimbursement  to itself for such expenses or charges and
(ii) that such expenses or charges will be recoverable to it through Liquidation
Proceeds,  Insurance Proceeds,  or REO Proceeds  (respecting which it shall have
priority for purposes of  withdrawals  from the  Custodial  Account  pursuant to
Section 3.10, whether or not such expenses and charges are actually  recoverable
from related Liquidation Proceeds,  Insurance Proceeds or REO Proceeds).  In the
event of such a determination  by the Master  Servicer  pursuant to this Section
3.14(a),  the Master Servicer shall be entitled to reimbursement of such amounts
pursuant to Section 3.10.

               In addition to the foregoing,  the Master  Servicer shall use its
best  reasonable  efforts to realize upon any Additional  Collateral for such of
the Additional  Collateral  Loans as come into and continue in default and as to
which no  satisfactory  arrangements  can be made for  collection  of delinquent
payments pursuant to Section 3.07;  provided that the Master Servicer shall not,
on behalf of the Trustee,  obtain title to any such  Additional  Collateral as a
result of or in lieu of the  disposition  thereof  or  otherwise;  and  provided
further  that (i) the Master  Servicer  shall not proceed  with  respect to such
Additional  Collateral  in any manner  that would  impair the ability to recover
against the  related  Mortgaged  Property,  and (ii) the Master  Servicer  shall
proceed with any REO Acquisition in a manner that preserves the ability to apply
the  proceeds  of such  Additional  Collateral  against  amounts  owed under the
defaulted  Mortgage Loan. Any proceeds realized from such Additional  Collateral
(other than amounts to be released to the Mortgagor or the related  guarantor in

                                       57
<PAGE>

accordance  with  procedures  that the Master Servicer would follow in servicing
loans  held for its own  account,  subject  to the terms and  conditions  of the
related  Mortgage  and  Mortgage  Note and to the  terms and  conditions  of any
security agreement,  guarantee agreement,  mortgage or other agreement governing
the  disposition  of the  proceeds  of  such  Additional  Collateral)  shall  be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10.  Any other  payment  received  by the Master  Servicer  in respect of such
Additional  Collateral  shall be deposited in the Custodial  Account  subject to
withdrawal pursuant to Section 3.10.

               For so long as the Master  Servicer is the Master  Servicer under
the Credit  Support  Pledge  Agreement,  the Master  Servicer  shall perform its
obligations  under the Credit Support Pledge  Agreement in accordance  with such
Agreement   and  in  a   manner   that  is  in  the   best   interests   of  the
Certificateholders.  Further,  the Master Servicer shall use its best reasonable
efforts to realize upon any Pledged  Assets for such of the Pledged  Asset Loans
as  come  into  and  continue  in  default  and  as  to  which  no  satisfactory
arrangements  can be made for  collection  of  delinquent  payments  pursuant to
Section  3.07;  provided  that the Master  Servicer  shall not, on behalf of the
Trustee,  obtain title to any such  Pledged  Assets as a result of or in lieu of
the disposition  thereof or otherwise;  and provided further that (i) the Master
Servicer  shall not proceed with  respect to such  Pledged  Assets in any manner
that would impair the ability to recover against the related Mortgaged Property,
and (ii) the Master  Servicer shall proceed with any REO Acquisition in a manner
that  preserves the ability to apply the proceeds of such Pledged Assets against
amounts owed under the defaulted  Mortgage Loan. Any proceeds realized from such
Pledged  Assets  (other  than  amounts to be released  to the  Mortgagor  or the
related  guarantor in accordance  with procedures that the Master Servicer would
follow in  servicing  loans held for its own  account,  subject to the terms and
conditions  of the  related  Mortgage  and  Mortgage  Note and to the  terms and
conditions of any security  agreement,  guarantee  agreement,  mortgage or other
agreement  governing  the  disposition  of the proceeds of such Pledged  Assets)
shall be deposited in the Custodial Account,  subject to withdrawal  pursuant to
Section 3.10.  Any other payment  received by the Master  Servicer in respect of
such  Pledged  Assets shall be deposited  in the  Custodial  Account  subject to
withdrawal pursuant to Section 3.10.

               Concurrently  with the foregoing,  the Master Servicer may pursue
any  remedies  that  may  be  available  in  connection   with  a  breach  of  a
representation and warranty with respect to any such Mortgage Loan in accordance
with Sections  2.03 and 2.04.  However,  the Master  Servicer is not required to
continue to pursue both  foreclosure  (or similar  remedies) with respect to the
Mortgage Loans and remedies in connection with a breach of a representation  and
warranty if the Master Servicer determines in its reasonable discretion that one
such  remedy is more likely to result in a greater  recovery as to the  Mortgage
Loan. Upon the occurrence of a Cash  Liquidation or REO  Disposition,  following
the deposit in the  Custodial  Account of all  Insurance  Proceeds,  Liquidation
Proceeds and other  payments and  recoveries  referred to in the  definition  of
"Cash  Liquidation"  or "REO  Disposition,"  as applicable,  upon receipt by the
Trustee of written  notification of such deposit signed by a Servicing  Officer,
the Trustee or any  Custodian,  as the case may be, shall  release to the Master
Servicer the related  Mortgage  File and the Trustee  shall  execute and deliver
such instruments of transfer or assignment  prepared by the Master Servicer,  in
each case without recourse, as shall be necessary to vest in the Master Servicer
or its designee,  as the case may be, the related  Mortgage Loan, and thereafter
such  Mortgage  Loan shall not be part of the Trust  Fund.  Notwithstanding  the
foregoing or any other  provision of this  Agreement,  in the Master  Servicer's
sole discretion  with respect to any defaulted  Mortgage Loan or REO Property as

                                       58
<PAGE>

to either of the following provisions, (i) a Cash Liquidation or REO Disposition
may be deemed to have  occurred if  substantially  all  amounts  expected by the
Master Servicer to be received in connection with the related defaulted Mortgage
Loan or REO Property have been  received,  and (ii) for purposes of  determining
the amount of any Liquidation Proceeds,  Insurance Proceeds, REO Proceeds or any
other  unscheduled  collections  or the amount of any Realized  Loss, the Master
Servicer may take into account minimal amounts of additional  receipts  expected
to be received or any estimated  additional  liquidation expenses expected to be
incurred in connection with the related defaulted Mortgage Loan or REO Property.

(b) If title to any  Mortgaged  Property is acquired by the Trust Fund as an REO
Property  by  foreclosure  or by  deed  in  lieu  of  foreclosure,  the  deed or
certificate  of sale shall be issued to the  Trustee or to its nominee on behalf
of  Certificateholders.  Notwithstanding  any  such  acquisition  of  title  and
cancellation  of the related  Mortgage Loan,  such REO Property shall (except as
otherwise expressly provided herein) be considered to be an Outstanding Mortgage
Loan held in the Trust Fund until such time as the REO  Property  shall be sold.
Consistent with the foregoing for purposes of all calculations hereunder so long
as such REO Property shall be considered to be an  Outstanding  Mortgage Loan it
shall be assumed that,  notwithstanding  that the indebtedness  evidenced by the
related  Mortgage  Note shall have been  discharged,  such Mortgage Note and the
related  amortization  schedule in effect at the time of any such acquisition of
title  (after  giving  effect  to  any  previous  Curtailments  and  before  any
adjustment  thereto by reason of any  bankruptcy  or similar  proceeding  or any
moratorium or similar waiver or grace period) remain in effect.

(c) If the Trust Fund  acquires  any REO  Property as  aforesaid or otherwise in
connection  with a default or imminent  default on a Mortgage  Loan,  the Master
Servicer on behalf of the Trust Fund shall  dispose of such REO Property as soon
as   practicable,   giving   due   consideration   to  the   interests   of  the
Certificateholders,  but in all cases  within three full years after the taxable
year of its acquisition by the Trust Fund for purposes of Section  860G(a)(8) of
the Code (or such shorter  period as may be  necessary  under  applicable  state
(including  any state in which such  property  is located)  law to maintain  the
status of any portion of any REMIC formed under the Series Supplement as a REMIC
under  applicable state law and avoid taxes resulting from such property failing
to be foreclosure property under applicable state law) or, at the expense of the
Trust Fund, request, more than 60 days before the day on which such grace period
would  otherwise  expire,  an extension  of such grace period  unless the Master
Servicer  (subject  to Section  10.01(f))  obtains for the Trustee an Opinion of
Counsel,  addressed to the Trustee and the Master  Servicer,  to the effect that
the  holding by the Trust Fund of such REO  Property  subsequent  to such period
will not  result in the  imposition  of taxes on  "prohibited  transactions"  as
defined in Section  860F of the Code or cause any REMIC  formed under the Series
Supplement to fail to qualify as a REMIC (for federal (or any  applicable  State
or  local)  income  tax  purposes)  at  any  time  that  any   Certificates  are
outstanding, in which case the Trust Fund may continue to hold such REO Property
(subject to any  conditions  contained in such  Opinion of Counsel).  The Master
Servicer shall be entitled to be reimbursed  from the Custodial  Account for any
costs  incurred in  obtaining  such  Opinion of Counsel,  as provided in Section
3.10.  Notwithstanding  any other provision of this  Agreement,  no REO Property

                                       59
<PAGE>

acquired by the Trust Fund shall be rented (or allowed to continue to be rented)
or otherwise used by or on behalf of the Trust Fund in such a manner or pursuant
to any terms  that  would (i) cause  such REO  Property  to fail to  qualify  as
"foreclosure  property" within the meaning of Section  860G(a)(8) of the Code or
(ii) subject the Trust Fund to the imposition of any federal income taxes on the
income earned from such REO  Property,  including any taxes imposed by reason of
Section 860G(c) of the Code,  unless the Master Servicer has agreed to indemnify
and hold  harmless  the Trust Fund with  respect to the  imposition  of any such
taxes.

(d) The  proceeds  of any Cash  Liquidation,  REO  Disposition  or  purchase  or
repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well
as any recovery resulting from a collection of Liquidation  Proceeds,  Insurance
Proceeds or REO Proceeds,  will be applied in the  following  order of priority:
first, to reimburse the Master Servicer or the related Subservicer in accordance
with Section  3.10(a)(ii);  second, to the  Certificateholders  to the extent of
accrued and unpaid  interest on the Mortgage  Loan,  and any related REO Imputed
Interest,  at the Net Mortgage  Rate (or the  Modified Net Mortgage  Rate in the
case of a Modified Mortgage Loan) to the Due Date prior to the Distribution Date
on which such amounts are to be distributed; third, to the Certificateholders as
a recovery of principal on the Mortgage Loan (or REO Property);  fourth,  to all
Servicing Fees and Subservicing  Fees payable therefrom (and the Master Servicer
and the Subservicer  shall have no claims for any  deficiencies  with respect to
such fees which result from the foregoing allocation); and fifth, to Foreclosure
Profits.

(e) In the event of a default on a Mortgage  Loan one or more of whose  obligors
is not a United States Person, in connection with any foreclosure or acquisition
of a deed in lieu of foreclosure  (together,  "foreclosure")  in respect of such
Mortgage Loan, the Master Servicer will cause  compliance with the provisions of
Treasury Regulation Section  1.1445-2(d)(3) (or any successor thereto) necessary
to assure that no withholding tax obligation arises with respect to the proceeds
of such  foreclosure  except  to the  extent,  if  any,  that  proceeds  of such
foreclosure are required to be remitted to the obligors on such Mortgage Loan.

Section 3.15.  Trustee to Cooperate; Release of Mortgage Files.
               -----------------------------------------------

(a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the
receipt by the Master  Servicer of a  notification  that payment in full will be
escrowed in a manner  customary  for such  purposes,  the Master  Servicer  will
immediately  notify the Trustee (if it holds the related  Mortgage  File) or the
Custodian by a certification of a Servicing Officer (which  certification  shall
include a statement to the effect that all amounts received or to be received in
connection with such payment which are required to be deposited in the Custodial
Account   pursuant  to  Section  3.07  have  been  or  will  be  so  deposited),
substantially  in one of the forms attached hereto as Exhibit F, or, in the case
of the Custodian,  an electronic  request in a form acceptable to the Custodian,
requesting  delivery to it of the Mortgage  File.  Within two  Business  Days of
receipt of such certification and request,  the Trustee shall release,  or cause
the Custodian to release, the related Mortgage File to the Master Servicer.  The
Master  Servicer  is  authorized  to execute and  deliver to the  Mortgagor  the
request for  reconveyance,  deed of  reconveyance  or release or satisfaction of
mortgage or such  instrument  releasing the lien of the Mortgage,  together with
the Mortgage Note with, as appropriate, written evidence of cancellation thereon
and to cause the removal  from the  registration  on the MERS(R)  System of such

                                       60
<PAGE>

Mortgage  and to  execute  and  deliver,  on  behalf  of  the  Trustee  and  the
Certificateholders  or any of them, any and all  instruments of  satisfaction or
cancellation or of partial or full release.  No expenses  incurred in connection
with any instrument of satisfaction or deed of reconveyance  shall be chargeable
to the Custodial Account or the Certificate Account.

(b) From time to time as is appropriate  for the servicing or foreclosure of any
Mortgage Loan, the Master  Servicer shall deliver to the Custodian,  with a copy
to the Trustee, a certificate of a Servicing Officer substantially in one of the
forms  attached  as  Exhibit F  hereto,  or,  in the case of the  Custodian,  an
electronic  request  in a form  acceptable  to the  Custodian,  requesting  that
possession  of all, or any document  constituting  part of, the Mortgage File be
released to the Master Servicer and certifying as to the reason for such release
and that such release will not  invalidate  any insurance  coverage  provided in
respect of the Mortgage Loan under any Required  Insurance Policy.  Upon receipt
of the foregoing,  the Trustee shall deliver, or cause the Custodian to deliver,
the Mortgage  File or any document  therein to the Master  Servicer.  The Master
Servicer  shall cause each Mortgage File or any document  therein so released to
be returned to the Trustee,  or the  Custodian as agent for the Trustee when the
need therefor by the Master  Servicer no longer exists,  unless (i) the Mortgage
Loan has been liquidated and the Liquidation  Proceeds  relating to the Mortgage
Loan have been  deposited in the Custodial  Account or (ii) the Mortgage File or
such  document  has been  delivered  directly  or  through a  Subservicer  to an
attorney,  or to a public  trustee or other public  official as required by law,
for purposes of initiating or pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially or  non-judicially,  and
the Master  Servicer  has  delivered  directly or through a  Subservicer  to the
Trustee a  certificate  of a  Servicing  Officer  certifying  as to the name and
address of the Person to which such Mortgage File or such document was delivered
and the purpose or purposes of such delivery. In the event of the liquidation of
a Mortgage  Loan, the Trustee shall deliver the Request for Release with respect
thereto to the Master Servicer upon deposit of the related Liquidation  Proceeds
in the Custodial Account.

(c) The Trustee or the Master Servicer on the Trustee's behalf shall execute and
deliver to the Master Servicer, if necessary, any court pleadings,  requests for
trustee's sale or other documents necessary to the foreclosure or trustee's sale
in respect of a  Mortgaged  Property  or to any legal  action  brought to obtain
judgment  against any  Mortgagor on the Mortgage Note or Mortgage or to obtain a
deficiency judgment,  or to enforce any other remedies or rights provided by the
Mortgage Note or Mortgage or otherwise  available at law or in equity.  Together
with such documents or pleadings (if signed by the Trustee), the Master Servicer
shall deliver to the Trustee a  certificate  of a Servicing  Officer  requesting
that such pleadings or documents be executed by the Trustee and certifying as to
the reason such  documents or pleadings  are required and that the execution and
delivery thereof by the Trustee will not invalidate any insurance coverage under
any Required  Insurance Policy or invalidate or otherwise affect the lien of the
Mortgage,  except  for the  termination  of such a lien upon  completion  of the
foreclosure or trustee's sale.

Section 3.16.  Servicing and Other Compensation; Compensating Interest.
               ---------------------------------------------------------

(a) The Master Servicer, as compensation for its activities hereunder,  shall be
entitled  to receive  on each  Distribution  Date the  amounts  provided  for by
clauses  (iii),  (iv),  (v) and (vi) of Section  3.10(a),  subject to clause (e)
below. The amount of servicing  compensation  provided for in such clauses shall
be accounted for on a Mortgage  Loan-by-Mortgage  Loan basis.  In the event that

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<PAGE>

Liquidation  Proceeds,  Insurance  Proceeds  and REO  Proceeds  (net of  amounts
reimbursable  therefrom  pursuant to Section  3.10(a)(ii))  in respect of a Cash
Liquidation  or REO  Disposition  exceed  the unpaid  principal  balance of such
Mortgage  Loan plus  unpaid  interest  accrued  thereon  (including  REO Imputed
Interest)  at a per annum rate equal to the  related Net  Mortgage  Rate (or the
Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan), the Master
Servicer  shall be entitled to retain  therefrom and to pay to itself and/or the
related   Subservicer,   any  Foreclosure  Profits  and  any  Servicing  Fee  or
Subservicing Fee considered to be accrued but unpaid.

(b)  Additional  servicing  compensation  in the  form  of  prepayment  charges,
assumption  fees,  late  payment  charges,  investment  income on amounts in the
Custodial  Account or the Certificate  Account or otherwise shall be retained by
the Master Servicer or the Subservicer to the extent provided herein, subject to
clause (e) below.

(c) The Master  Servicer  shall be  required  to pay,  or cause to be paid,  all
expenses  incurred by it in connection with its servicing  activities  hereunder
(including  payment of premiums for the Primary Insurance  Policies,  if any, to
the extent such premiums are not required to be paid by the related  Mortgagors,
and the fees and  expenses of the Trustee  and any  Custodian)  and shall not be
entitled to reimbursement  therefor except as specifically  provided in Sections
3.10 and 3.14.

(d) The Master  Servicer's  right to receive  servicing  compensation may not be
transferred in whole or in part except in connection with the transfer of all of
its   responsibilities  and  obligations  of  the  Master  Servicer  under  this
Agreement.

(e)  Notwithstanding  any  other  provision  herein,  the  amount  of  servicing
compensation  that the Master  Servicer  shall be  entitled  to receive  for its
activities  hereunder for the period ending on each  Distribution  Date shall be
reduced  (but not below zero) by an amount  equal to  Compensating  Interest (if
any) for such  Distribution  Date.  Such reduction  shall be applied during such
period as follows:  first, to any Servicing Fee or Subservicing Fee to which the
Master Servicer is entitled pursuant to Section 3.10(a)(iii), and second, to any
income or gain  realized  from any  investment  of funds  held in the  Custodial
Account or the  Certificate  Account to which the Master  Servicer  is  entitled
pursuant to Sections 3.07(c) or 4.01(b), respectively. In making such reduction,
the Master  Servicer (i) will not withdraw from the  Custodial  Account any such
amount  representing  all or a  portion  of the  Servicing  Fee to  which  it is
entitled pursuant to Section  3.10(a)(iii),  and (ii) will not withdraw from the
Custodial Account or Certificate Account any such amount to which it is entitled
pursuant to Section 3.07(c) or 4.01(b).

Section 3.17.  Reports to the Trustee and the Company.
               --------------------------------------

        Not later than fifteen  days after each  Distribution  Date,  the Master
Servicer shall forward to the Trustee and the Company a statement,  certified by
a Servicing Officer, setting forth the status of the Custodial Account as of the
close of business on such  Distribution Date as it relates to the Mortgage Loans
and showing, for the period covered by such statement, the aggregate of deposits

                                       62
<PAGE>

in or  withdrawals  from the Custodial  Account in respect of the Mortgage Loans
for each  category of deposit  specified  in Section  3.07 and each  category of
withdrawal specified in Section 3.10.

Section 3.18.  Annual Statement as to Compliance.
               ---------------------------------

        The Master  Servicer  will deliver to the  Company,  the Trustee and any
Certificate Insurer on or before March 31 of each year, beginning with the first
March 31 that occurs at least six months  after the Cut-off  Date,  an Officers'
Certificate  stating,  as to each  signer  thereof,  that  (i) a  review  of the
activities of the Master Servicer during the preceding  calendar year related to
its servicing of mortgage loans and its performance  under pooling and servicing
agreements,  including  this  Agreement,  has been  made  under  such  officers'
supervision, (ii) to the best of such officers' knowledge, based on such review,
the Master  Servicer  has  complied in all  material  respects  with the minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage Bankers and has fulfilled all of its material  obligations  relating to
this Agreement in all material  respects  throughout such year, or, if there has
been material  noncompliance  with such servicing  standards or a default in the
fulfillment  in all material  respects of any such  obligation  relating to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status  thereof  and (iii) to the best of such  officers'  knowledge,
each  Subservicer  has  complied  in all  material  respects  with  the  minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage  Bankers and has  fulfilled all of its material  obligations  under its
Subservicing  Agreement in all material  respects  throughout  such year, or, if
there  has been  material  noncompliance  with  such  servicing  standards  or a
material  default  in the  fulfillment  of  such  obligations  relating  to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status thereof.

Section 3.19.  Annual Independent Public Accountants' Servicing Report.
               --------------------------------------------------------

        On or before  March 31 of each year,  beginning  with the first March 31
that occurs at least six months after the Cut-off Date,  the Master  Servicer at
its expense shall cause a firm of independent public accountants, which shall be
members of the American Institute of Certified Public Accountants,  to furnish a
report to the Company and the Trustee  stating its opinion that, on the basis of
an examination conducted by such firm substantially in accordance with standards
established  by the  American  Institute of Certified  Public  Accountants,  the
assertions  made pursuant to Section 3.18 regarding  compliance with the minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage  Bankers  during the  preceding  calendar year are fairly stated in all
material respects,  subject to such exceptions and other qualifications that, in
the opinion of such firm, such  accounting  standards  require it to report.  In
rendering  such  statement,  such firm may rely,  as to matters  relating to the
direct servicing of mortgage loans by Subservicers,  upon comparable  statements
for examinations  conducted by independent public  accountants  substantially in
accordance  with standards  established  by the American  Institute of Certified
Public Accountants  (rendered within one year of such statement) with respect to
such Subservicers.

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<PAGE>

Section 3.20.  Rights of the Company in Respect of the Master Servicer.
               --------------------------------------------------------

        The Master Servicer shall afford the Company,  upon  reasonable  notice,
during  normal  business  hours access to all records  maintained  by the Master
Servicer  in  respect  of its rights  and  obligations  hereunder  and access to
officers of the Master Servicer responsible for such obligations.  Upon request,
the Master  Servicer  shall  furnish the Company with its most recent  financial
statements and such other information as the Master Servicer possesses regarding
its business,  affairs,  property and  condition,  financial or  otherwise.  The
Master   Servicer  shall  also  cooperate  with  all  reasonable   requests  for
information  including,  but not limited to, notices, tapes and copies of files,
regarding  itself,  the Mortgage  Loans or the  Certificates  from any Person or
Persons identified by the Company or Residential  Funding.  The Company may, but
is not obligated to, enforce the  obligations of the Master  Servicer  hereunder
and may, but is not obligated to, perform,  or cause a designee to perform,  any
defaulted  obligation of the Master Servicer hereunder or exercise the rights of
the Master  Servicer  hereunder;  provided that the Master Servicer shall not be
relieved of any of its  obligations  hereunder by virtue of such  performance by
the Company or its designee.  The Company shall not have any  responsibility  or
liability  for any action or failure  to act by the Master  Servicer  and is not
obligated  to  supervise  the  performance  of the  Master  Servicer  under this
Agreement or otherwise.

Section 3.21.  Administration of Buydown Funds

(a) With respect to any Buydown  Mortgage  Loan, the  Subservicer  has deposited
Buydown Funds in an account that satisfies the  requirements  for a Subservicing
Account  (the  "Buydown   Account").   The  Master   Servicer  shall  cause  the
Subservicing  Agreement to require  that upon receipt from the  Mortgagor of the
amount due on a Due Date for each Buydown  Mortgage Loan, the  Subservicer  will
withdraw from the Buydown Account the  predetermined  amount that, when added to
the amount due on such date from the Mortgagor,  equals the full Monthly Payment
and  transmit  that  amount in  accordance  with the  terms of the  Subservicing
Agreement to the Master  Servicer  together with the related payment made by the
Mortgagor or advanced by the Subservicer.

(b) If the  Mortgagor  on a  Buydown  Mortgage  Loan  prepays  such  loan in its
entirety  during  the period  (the  "Buydown  Period")  when  Buydown  Funds are
required to be applied to such Buydown  Mortgage Loan, the Subservicer  shall be
required to  withdraw  from the  Buydown  Account  and remit any  Buydown  Funds
remaining  in the  Buydown  Account  in  accordance  with  the  related  buydown
agreement.  The amount of Buydown Funds which may be remitted in accordance with
the related  buydown  agreement may reduce the amount required to be paid by the
Mortgagor  to fully  prepay the related  Mortgage  Loan.  If the  Mortgagor on a
Buydown  Mortgage Loan defaults on such Mortgage Loan during the Buydown  Period
and the property  securing such Buydown Mortgage Loan is sold in the liquidation
thereof  (either by the Master Servicer or the insurer under any related Primary
Insurance  Policy),  the  Subservicer  shall be required  to  withdraw  from the
Buydown  Account the Buydown Funds for such Buydown  Mortgage Loan still held in
the Buydown Account and remit the same to the Master Servicer in accordance with
the terms of the Subservicing Agreement for deposit in the Custodial Account or,
if  instructed  by the Master  Servicer,  pay to the  insurer  under any related

                                      64
<PAGE>

Primary  Insurance  Policy if the  Mortgaged  Property  is  transferred  to such
insurer  and such  insurer  pays all of the loss  incurred  in  respect  of such
default.  Any amount so remitted  pursuant  to the  preceding  sentence  will be
deemed to reduce the amount owed on the Mortgage Loan.

                                       65
<PAGE>

                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

Section 4.01.  Certificate Account.
               -------------------

(a) The Master  Servicer on behalf of the Trustee shall establish and maintain a
Certificate  Account in which the Master Servicer shall cause to be deposited on
behalf of the Trustee on or before 2:00 P.M.  New York time on each  Certificate
Account  Deposit Date by wire transfer of immediately  available funds an amount
equal to the sum of (i) any Advance for the immediately succeeding  Distribution
Date,  (ii) any amount  required  to be  deposited  in the  Certificate  Account
pursuant to Section  3.12(a),  (iii) any amount  required to be deposited in the
Certificate Account pursuant to Section 3.16(e) or Section 4.07, (iv) any amount
required  to be  paid  pursuant  to  Section  9.01  and (v)  all  other  amounts
constituting the Available  Distribution  Amount for the immediately  succeeding
Distribution Date.

(b) The Trustee shall, upon written request from the Master Servicer,  invest or
cause the institution maintaining the Certificate Account to invest the funds in
the Certificate Account in Permitted  Investments  designated in the name of the
Trustee for the  benefit of the  Certificateholders,  which  shall  mature or be
payable  on  demand  not  later  than  the  Business  Day  next   preceding  the
Distribution  Date next following the date of such  investment  (except that (i)
any  investment  in the  institution  with  which  the  Certificate  Account  is
maintained may mature or be payable on demand on such Distribution Date and (ii)
any other  investment  may mature or be  payable on demand on such  Distribution
Date  if the  Trustee  shall  advance  funds  on such  Distribution  Date to the
Certificate   Account  in  the  amount  payable  on  such   investment  on  such
Distribution  Date,  pending  receipt  thereof to the extent  necessary  to make
distributions on the Certificates) and shall not be sold or disposed of prior to
maturity. Subject to Section 3.16(e), all income and gain realized from any such
investment  shall be for the benefit of the Master Servicer and shall be subject
to its withdrawal or order from time to time. The amount of any losses  incurred
in respect of any such investments shall be deposited in the Certificate Account
by the Master Servicer out of its own funds  immediately as realized without any
right of reimbursement.

Section 4.02.  Distributions.
               -------------

                      As provided in Section 4.02 of the Series Supplement.

Section 4.03.  Statements to Certificateholders.
               --------------------------------

     (a) Concurrently with each distribution  charged to the Certificate Account
and with respect to each  Distribution Date the Master Servicer shall forward to
the Trustee and the Trustee  shall either  forward by mail or make  available to
each Holder and the Company,  via the Trustee's  internet  website,  a statement
(and at its option,  any additional  files containing the same information in an
alternative  format) setting forth information as to each Class of Certificates,
the  Mortgage  Pool and, if the  Mortgage  Pool is comprised of two or more Loan
Groups,  each Loan Group, to the extent applicable.  This statement will include
the information set forth in an exhibit to the Series  Supplement.  Such exhibit
shall set forth the Trustee's  internet  website  address  together with a phone
number.  The Trustee  shall mail to each  Holder  that  requests a paper copy by
telephone  a paper  copy via first  class  mail.  The  Trustee  may  modify  the
distribution  procedures set forth in this Section provided that such procedures
are no less  convenient  for the  Certificateholders.  The Trustee shall provide

                                       66
<PAGE>

prior   notification   to   the   Company,   the   Master   Servicer   and   the
Certificateholders  regarding  any such  modification.  In addition,  the Master
Servicer shall provide to any manager of a trust fund  consisting of some or all
of the Certificates,  upon reasonable request, such additional information as is
reasonably  obtainable by the Master  Servicer at no  additional  expense to the
Master Servicer.

     (b) Within a reasonable period of time after the end of each calendar year,
the Master Servicer shall prepare,  or cause to be prepared,  and shall forward,
or cause to be  forwarded,  to each Person who at any time  during the  calendar
year was the  Holder  of a  Certificate,  other  than a Class R  Certificate,  a
statement  containing the  information  set forth in clauses (i) and (ii) of the
exhibit to the Series Supplement  referred to in subsection (a) above aggregated
for such calendar year or applicable  portion  thereof  during which such Person
was a Certificateholder.  Such obligation of the Master Servicer shall be deemed
to have been satisfied to the extent that substantially  comparable  information
shall be provided by the Master  Servicer  pursuant to any  requirements  of the
Code.

     (c) Within a reasonable period of time after the end of each calendar year,
the Master Servicer shall prepare,  or cause to be prepared,  and shall forward,
or cause to be  forwarded,  to each Person who at any time  during the  calendar
year  was the  Holder  of a Class R  Certificate,  a  statement  containing  the
applicable  distribution  information  provided  pursuant to this  Section  4.03
aggregated  for such calendar year or applicable  portion  thereof  during which
such  Person was the Holder of a Class R  Certificate.  Such  obligation  of the
Master  Servicer  shall be deemed  to have been  satisfied  to the  extent  that
substantially  comparable  information  shall be provided by the Master Servicer
pursuant to any requirements of the Code.

     (d) Upon the written request of any Certificateholder, the Master Servicer,
as   soon   as   reasonably   practicable,    shall   provide   the   requesting
Certificateholder with such information as is necessary and appropriate,  in the
Master  Servicer's  sole  discretion,  for  purposes  of  satisfying  applicable
reporting requirements under Rule 144A.

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

(a)  Prior to the  close of  business  on the  Determination  Date,  the  Master
Servicer  shall  furnish a written  statement  to the Trustee,  any  Certificate
Insurer,  any Paying Agent and the Company (the information in such statement to
be made  available  to  Certificateholders  by the Master  Servicer  on request)
setting  forth  (i) the  Available  Distribution  Amount  and (ii)  the  amounts
required to be  withdrawn  from the  Custodial  Account and  deposited  into the
Certificate  Account on the immediately  succeeding  Certificate Account Deposit
Date  pursuant to clause  (iii) of Section  4.01(a).  The  determination  by the
Master  Servicer of such  amounts  shall,  in the absence of obvious  error,  be
presumptively  deemed to be correct for all purposes  hereunder  and the Trustee
shall be protected in relying  upon the same  without any  independent  check or
verification.

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<PAGE>

(b) On or before 2:00 P.M.  New York time on each  Certificate  Account  Deposit
Date, the Master  Servicer shall either (i) deposit in the  Certificate  Account
from its own funds, or funds received therefor from the Subservicers,  an amount
equal to the  Advances  to be made by the  Master  Servicer  in  respect  of the
related  Distribution  Date,  which shall be in an aggregate amount equal to the
aggregate  amount of  Monthly  Payments  (with  each  interest  portion  thereof
adjusted to the Net  Mortgage  Rate),  less the amount of any related  Servicing
Modifications,  Debt Service  Reductions or reductions in the amount of interest
collectable  from the Mortgagor  pursuant to the  Soldiers'  and Sailors'  Civil
Relief Act of 1940, as amended,  or similar  legislation or regulations  then in
effect,  on the  Outstanding  Mortgage  Loans as of the related Due Date,  which
Monthly  Payments were  delinquent as of the close of business as of the related
Determination  Date;  provided  that no  Advance  shall be made if it would be a
Nonrecoverable  Advance,  (ii) withdraw from amounts on deposit in the Custodial
Account  and deposit in the  Certificate  Account all or a portion of the Amount
Held for Future  Distribution  in discharge of any such  Advance,  or (iii) make
advances in the form of any  combination of (i) and (ii)  aggregating the amount
of such Advance.  Any portion of the Amount Held for Future Distribution so used
shall be replaced by the Master Servicer by deposit in the  Certificate  Account
on or before 11:00 A.M. New York time on any future Certificate  Account Deposit
Date to the  extent  that  funds  attributable  to the  Mortgage  Loans that are
available in the  Custodial  Account for deposit in the  Certificate  Account on
such   Certificate   Account  Deposit  Date  shall  be  less  than  payments  to
Certificateholders  required to be made on the following  Distribution Date. The
Master  Servicer  shall be entitled to use any Advance made by a Subservicer  as
described in Section 3.07(b) that has been deposited in the Custodial Account on
or before  such  Distribution  Date as part of the  Advance  made by the  Master
Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant
to Section 4.02(a) in respect of outstanding  Advances on any Distribution  Date
shall be allocated to specific  Monthly Payments due but delinquent for previous
Due Periods,  which  allocation  shall be made,  to the extent  practicable,  to
Monthly Payments which have been delinquent for the longest period of time. Such
allocations  shall be  conclusive  for purposes of  reimbursement  to the Master
Servicer from recoveries on related Mortgage Loans pursuant to Section 3.10.

        The   determination   by  the  Master   Servicer  that  it  has  made  a
Nonrecoverable Advance or that any proposed Advance, if made, would constitute a
Nonrecoverable  Advance,  shall be evidenced by an Officers'  Certificate of the
Master Servicer delivered to the Company and the Trustee.

        If the Master  Servicer  determines as of the Business Day preceding any
Certificate  Account  Deposit  Date  that it will be unable  to  deposit  in the
Certificate  Account an amount equal to the Advance  required to be made for the
immediately succeeding Distribution Date, it shall give notice to the Trustee of
its inability to advance (such notice may be given by telecopy),  not later than
3:00 P.M.,  New York time, on such Business Day,  specifying the portion of such
amount  that it will be unable to  deposit.  Not later than 3:00 P.M.,  New York
time, on the Certificate Account Deposit Date the Trustee shall, unless by 12:00
Noon, New York time, on such day the Trustee shall have been notified in writing
(by  telecopy)  that the Master  Servicer  shall  have  directly  or  indirectly
deposited in the  Certificate  Account such portion of the amount of the Advance
as to which  the  Master  Servicer  shall  have  given  notice  pursuant  to the
preceding  sentence,  pursuant to Section 7.01,  (a) terminate all of the rights
and  obligations of the Master  Servicer under this Agreement in accordance with

                                       68
<PAGE>

Section 7.01 and (b) assume the rights and  obligations  of the Master  Servicer
hereunder,  including the  obligation to deposit in the  Certificate  Account an
amount equal to the Advance for the immediately succeeding Distribution Date.

        The Trustee shall deposit all funds it receives pursuant to this Section
4.04 into the Certificate Account.

Section 4.05.  Allocation of Realized Losses.
               -----------------------------

                             As   provided   in  Section   4.05  of  the  Series
Supplement.

Section 4.06.  Reports of Foreclosures and Abandonment of Mortgaged Property.
               --------------------------------------------------------------

        The Master Servicer or the Subservicers  shall file information  returns
with  respect  to the  receipt  of  mortgage  interests  received  in a trade or
business, the reports of foreclosures and abandonments of any Mortgaged Property
and the information returns relating to cancellation of indebtedness income with
respect to any Mortgaged  Property required by Sections 6050H,  6050J and 6050P,
respectively,  of the Code, and deliver to the Trustee an Officers'  Certificate
on or before  March 31 of each year  stating  that such reports have been filed.
Such reports  shall be in form and  substance  sufficient  to meet the reporting
requirements imposed by Sections 6050H, 6050J and 6050P of the Code.

Section 4.07.  Optional Purchase of Defaulted Mortgage Loans.
               ----------------------------------------------

        As to any  Mortgage  Loan which is  delinquent  in payment by 90 days or
more, the Master  Servicer may, at its option,  purchase such Mortgage Loan from
the Trustee at the Purchase Price  therefor.  If at any time the Master Servicer
makes a payment to the Certificate  Account  covering the amount of the Purchase
Price for such a Mortgage Loan, and the Master Servicer  provides to the Trustee
a  certification  signed by a Servicing  Officer stating that the amount of such
payment has been deposited in the  Certificate  Account,  then the Trustee shall
execute  the  assignment  of such  Mortgage  Loan at the  request  of the Master
Servicer without recourse to the Master Servicer, which shall succeed to all the
Trustee's  right,  title and  interest  in and to such  Mortgage  Loan,  and all
security and documents relative thereto.  Such assignment shall be an assignment
outright and not for  security.  The Master  Servicer  will  thereupon  own such
Mortgage, and all such security and documents, free of any further obligation to
the Trustee or the Certificateholders with respect thereto.

        If,  however,  the Master  Servicer  shall have  exercised  its right to
repurchase  a Mortgage  Loan  pursuant  to this  Section  4.07 upon the  written
request of and with funds provided by the Junior Certificateholder and thereupon
transferred  such  Mortgage  Loan to the  Junior  Certificateholder,  the Master
Servicer shall so notify the Trustee in writing.

Section 4.08.  Surety Bond.
               -----------

(a) If a Required  Surety  Payment is payable  pursuant  to the Surety Bond with
respect to any Additional  Collateral  Loan, the Master Servicer shall so notify
the Trustee as soon as reasonably  practicable  and the Trustee  shall  promptly
complete  the notice in the form of  Attachment  1 to the Surety  Bond and shall
promptly submit such notice to the Surety as a claim for a Required Surety.  The
Master  Servicer shall upon request assist the Trustee in completing such notice
and shall  provide  any  information  requested  by the  Trustee  in  connection
therewith.

                                       69
<PAGE>

(b) Upon receipt of a Required  Surety  Payment from the Surety on behalf of the
Holders of Certificates,  the Trustee shall deposit such Required Surety Payment
in the Certificate Account and shall distribute such Required Surety Payment, or
the proceeds thereof, in accordance with the provisions of Section 4.02.

(c) The  Trustee  shall (i)  receive  as  attorney-in-fact  of each  Holder of a
Certificate  any Required  Surety  Payment from the Surety and (ii) disburse the
same to the Holders of such Certificates as set forth in Section 4.02.

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<PAGE>

                                   ARTICLE V

                                THE CERTIFICATES

Section 5.01.  The Certificates.
               ----------------

(a) The Senior, Class M, Class B and Class R Certificates shall be substantially
in the forms set forth in Exhibits A, B, C and D,  respectively,  and shall,  on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar  for  authentication  and delivery to or upon the order of the Company
upon receipt by the Trustee or one or more Custodians of the documents specified
in Section 2.01. The Certificates shall be issuable in the minimum denominations
designated in the Preliminary Statement to the Series Supplement.

        The Certificates  shall be executed by manual or facsimile  signature on
behalf of an authorized officer of the Trustee.  Certificates bearing the manual
or facsimile  signatures of individuals who were at any time the proper officers
of the Trustee shall bind the Trustee,  notwithstanding that such individuals or
any of them have ceased to hold such  offices  prior to the  authentication  and
delivery of such  Certificate  or did not hold such  offices at the date of such
Certificates.  No  Certificate  shall be  entitled  to any  benefit  under  this
Agreement, or be valid for any purpose, unless there appears on such Certificate
a certificate of  authentication  substantially  in the form provided for herein
executed by the Certificate Registrar by manual signature,  and such certificate
upon any Certificate shall be conclusive evidence,  and the only evidence,  that
such  Certificate  has been duly  authenticated  and  delivered  hereunder.  All
Certificates shall be dated the date of their authentication.

(b) Except as provided below, registration of Book-Entry Certificates may not be
transferred by the Trustee except to another Depository that agrees to hold such
Certificates  for the respective  Certificate  Owners with  Ownership  Interests
therein. The Holders of the Book-Entry  Certificates shall hold their respective
Ownership  Interests in and to each of such Certificates  through the book-entry
facilities  of the  Depository  and,  except  as  provided  below,  shall not be
entitled to Definitive Certificates in respect of such Ownership Interests.  All
transfers by Certificate Owners of their respective  Ownership  Interests in the
Book-Entry  Certificates  shall  be  made  in  accordance  with  the  procedures
established by the Depository  Participant or brokerage firm  representing  such
Certificate  Owner.  Each  Depository  Participant  shall transfer the Ownership
Interests  only  in  the  Book-Entry   Certificates  of  Certificate  Owners  it
represents or of brokerage  firms for which it acts as agent in accordance  with
the Depository's normal procedures.

        The  Trustee,  the Master  Servicer and the Company may for all purposes
(including  the making of payments due on the  respective  Classes of Book-Entry
Certificates)  deal with the Depository as the authorized  representative of the
Certificate  Owners  with  respect  to  the  respective  Classes  of  Book-Entry
Certificates  for the purposes of  exercising  the rights of  Certificateholders
hereunder.  The rights of  Certificate  Owners  with  respect to the  respective
Classes of Book-Entry  Certificates shall be limited to those established by law
and agreements between such Certificate  Owners and the Depository  Participants
and brokerage firms representing such Certificate Owners.  Multiple requests and

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<PAGE>

directions  from,  and  votes  of,  the  Depository  as  Holder  of any Class of
Book-Entry  Certificates  with  respect to any  particular  matter  shall not be
deemed  inconsistent  if they are made with  respect  to  different  Certificate
Owners.  The Trustee may establish a reasonable  record date in connection  with
solicitations  of consents from or voting by  Certificateholders  and shall give
notice to the Depository of such record date.

        If (i)(A) the Company advises the Trustee in writing that the Depository
is no longer  willing or able to  properly  discharge  its  responsibilities  as
Depository and (B) the Company is unable to locate a qualified successor or (ii)
the  Company  at its option  advises  the  Trustee in writing  that it elects to
terminate the book-entry system through the Depository, the Trustee shall notify
all Certificate  Owners,  through the Depository,  of the occurrence of any such
event and of the availability of Definitive  Certificates to Certificate  Owners
requesting   the  same.   Upon  surrender  to  the  Trustee  of  the  Book-Entry
Certificates by the Depository,  accompanied by registration  instructions  from
the  Depository  for  registration  of  transfer,  the  Trustee  shall issue the
Definitive  Certificates.  Neither  the  Company,  the Master  Servicer  nor the
Trustee shall be liable for any actions taken by the  Depository or its nominee,
including,  without  limitation,  any delay in delivery of such instructions and
may  conclusively   rely  on,  and  shall  be  protected  in  relying  on,  such
instructions. Upon the issuance of Definitive Certificates all references herein
to obligations imposed upon or to be performed by the Company in connection with
the issuance of the Definitive  Certificates pursuant to this Section 5.01 shall
be deemed to be imposed upon and  performed by the Trustee,  and the Trustee and
the Master Servicer shall  recognize the Holders of the Definitive  Certificates
as Certificateholders hereunder.

(c) From time to time  Residential  Funding,  as the initial Holder of the Class
A-V  Certificates,  may  exchange  such  Holder's  Class  A-V  Certificates  for
Subclasses  of Class A-V  Certificates  to be issued  under  this  Agreement  by
delivering a "Request for Exchange" substantially in the form attached hereto as
Exhibit N executed by an authorized officer, which Subclasses, in the aggregate,
will   represent  the   Uncertificated   Class  A-V  REMIC   Regular   Interests
corresponding  to the Class A-V  Certificates so surrendered  for exchange.  Any
Subclass so issued  shall bear a  numerical  designation  commencing  with Class
A-V-1 and continuing sequentially thereafter, and will evidence ownership of the
Uncertificated  REMIC Regular Interest or Interests specified in writing by such
initial  Holder to the  Trustee.  The  Trustee  may  conclusively,  without  any
independent  verification,  rely on,  and  shall be  protected  in  relying  on,
Residential  Funding's  determinations  of the  Uncertificated  Class  A-V REMIC
Regular Interests corresponding to any Subclass, the Initial Notional Amount and
the initial  Pass-Through  Rate on a Subclass  as set forth in such  Request for
Exchange and the Trustee  shall have no duty to determine if any  Uncertificated
Class  A-V  REMIC  Regular  Interest   designated  on  a  Request  for  Exchange
corresponds  to a Subclass which has  previously  been issued.  Each Subclass so
issued shall be  substantially  in the form set forth in Exhibit A and shall, on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar for  authentication  and delivery in accordance with Section  5.01(a).
Every  Certificate  presented or surrendered  for exchange by the initial Holder
shall (if so  required  by the  Trustee or the  Certificate  Registrar)  be duly
endorsed by, or be accompanied by a written  instrument of transfer  attached to
such  Certificate and shall be completed to the  satisfaction of the Trustee and
the  Certificate  Registrar  duly executed by, the initial Holder thereof or his
attorney duly authorized in writing.  The  Certificates of any Subclass of Class
A-V  Certificates  may be transferred  in whole,  but not in part, in accordance
with the provisions of Section 5.02.

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

(a) The  Trustee  shall cause to be kept at one of the offices or agencies to be
appointed by the Trustee in  accordance  with the  provisions  of Section 8.12 a
Certificate Register in which, subject to such reasonable  regulations as it may
prescribe, the Trustee shall provide for the registration of Certificates and of
transfers  and  exchanges of  Certificates  as herein  provided.  The Trustee is
initially  appointed  Certificate  Registrar  for  the  purpose  of  registering
Certificates and transfers and exchanges of Certificates as herein provided. The
Certificate Registrar,  or the Trustee, shall provide the Master Servicer with a
certified list of Certificateholders as of each Record Date prior to the related
Determination Date.

(b) Upon surrender for registration of transfer of any Certificate at any office
or agency of the Trustee  maintained  for such purpose  pursuant to Section 8.12
and,  in the  case  of any  Class  M,  Class  B or  Class  R  Certificate,  upon
satisfaction  of the conditions  set forth below,  the Trustee shall execute and
the Certificate  Registrar shall  authenticate  and deliver,  in the name of the
designated  transferee or  transferees,  one or more new  Certificates of a like
Class (or Subclass) and aggregate Percentage Interest.

(c) At the option of the  Certificateholders,  Certificates may be exchanged for
other Certificates of authorized denominations of a like Class (or Subclass) and
aggregate  Percentage  Interest,  upon  surrender  of  the  Certificates  to  be
exchanged  at any such  office  or  agency.  Whenever  any  Certificates  are so
surrendered for exchange the Trustee shall execute and the Certificate Registrar
shall  authenticate  and  deliver  the  Certificates  of such  Class  which  the
Certificateholder  making the exchange is entitled to receive. Every Certificate
presented or  surrendered  for transfer or exchange shall (if so required by the
Trustee or the Certificate  Registrar) be duly endorsed by, or be accompanied by
a written  instrument  of transfer in form  satisfactory  to the Trustee and the
Certificate  Registrar duly executed by, the Holder thereof or his attorney duly
authorized in writing.

(d) No transfer,  sale,  pledge or other  disposition  of a Class B  Certificate
shall be made unless such transfer,  sale, pledge or other disposition is exempt
from the  registration  requirements  of the Securities Act of 1933, as amended,
and any applicable  state securities laws or is made in accordance with said Act
and laws.  In the event that a transfer of a Class B  Certificate  is to be made
either (i)(A) the Trustee shall require a written Opinion of Counsel  acceptable
to and in form and  substance  satisfactory  to the Trustee and the Company that
such transfer may be made pursuant to an exemption,  describing  the  applicable
exemption  and the  basis  therefor,  from  said Act and  laws or is being  made
pursuant to said Act and laws,  which Opinion of Counsel shall not be an expense
of the  Trustee,  the  Company  or the Master  Servicer  (except  that,  if such
transfer is made by the Company or the Master Servicer or any Affiliate thereof,
the Company or the Master  Servicer  shall  provide  such  Opinion of Counsel at
their own  expense);  provided that such Opinion of Counsel will not be required
in connection with the initial  transfer of any such  Certificate by the Company
or any  Affiliate  thereof to the Company or an Affiliate of the Company and (B)
the Trustee shall require the  transferee  to execute a  representation  letter,
substantially in the form of Exhibit H hereto, and the Trustee shall require the
transferor  to execute a  representation  letter,  substantially  in the form of
Exhibit I hereto,  each acceptable to and in form and substance  satisfactory to
the Company and the Trustee  certifying to the Company and the Trustee the facts
surrounding such transfer,  which representation letters shall not be an expense
of the Trustee, the Company or the Master Servicer; provided, however, that such
representation  letters will not be required in connection  with any transfer of
any such  Certificate by the Company or any Affiliate  thereof to the Company or
an Affiliate of the Company,  and the Trustee shall be entitled to  conclusively

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<PAGE>

rely upon a representation  (which, upon the request of the Trustee,  shall be a
written representation) from the Company, of the status of such transferee as an
Affiliate  of  the  Company  or  (ii)  the  prospective  transferee  of  such  a
Certificate shall be required to provide the Trustee, the Company and the Master
Servicer  with an  investment  letter  substantially  in the form of  Exhibit  J
attached hereto (or such other form as the Company in its sole discretion  deems
acceptable), which investment letter shall not be an expense of the Trustee, the
Company or the Master Servicer,  and which investment  letter states that, among
other  things,  such  transferee  (A) is a  "qualified  institutional  buyer" as
defined  under Rule 144A,  acting for its own  account or the  accounts of other
"qualified  institutional  buyers" as defined under Rule 144A,  and (B) is aware
that the proposed  transferor intends to rely on the exemption from registration
requirements  under the  Securities  Act of 1933,  as amended,  provided by Rule
144A. The Holder of any such  Certificate  desiring to effect any such transfer,
sale, pledge or other disposition shall, and does hereby agree to, indemnify the
Trustee, the Company, the Master Servicer and the Certificate  Registrar against
any liability that may result if the transfer, sale, pledge or other disposition
is not so exempt or is not made in accordance with such federal and state laws.

(e)  (i) In the  case  of any  Class  B or  Class R  Certificate  presented  for
     registration  in the  name of any  Person,  either  (A) the  Trustee  shall
     require  an  Opinion of  Counsel  acceptable  to and in form and  substance
     satisfactory  to the  Trustee,  the Company and the Master  Servicer to the
     effect that the purchase or holding of such Class B or Class R  Certificate
     is permissible  under  applicable law, will not constitute or result in any
     non-exempt  prohibited  transaction  under  Section  406  of  the  Employee
     Retirement  Income Security Act of 1974, as amended  ("ERISA"),  or Section
     4975 of the Code (or comparable  provisions of any subsequent  enactments),
     and will not subject the Trustee, the Company or the Master Servicer to any
     obligation or liability  (including  obligations or liabilities under ERISA
     or  Section  4975 of the  Code) in  addition  to those  undertaken  in this
     Agreement, which Opinion of Counsel shall not be an expense of the Trustee,
     the Company or the Master Servicer or (B) the prospective  Transferee shall
     be  required to provide the  Trustee,  the Company and the Master  Servicer
     with a certification  to the effect set forth in paragraph six of Exhibit H
     (with respect to any Class B Certificate) or paragraph  fourteen of Exhibit
     G-1 (with respect to any Class R  Certificate),  which the Trustee may rely
     upon without further inquiry or investigation, or such other certifications
     as the Trustee may deem  desirable or necessary in order to establish  that
     such Transferee or the Person in whose name such  registration is requested
     either (a) is not an  employee  benefit  plan or other plan  subject to the
     prohibited  transaction provisions of ERISA or Section 4975 of the Code, or
     any Person (including an investment manager, a named fiduciary or a trustee
     of any such  plan) who is using  "plan  assets"  of any such plan to effect
     such acquisition  (each, a "Plan Investor") or (b) in the case of any Class
     B Certificate,  the following conditions are satisfied: (i) such Transferee
     is an insurance company,  (ii) the source of funds used to purchase or hold
     such  Certificate  (or interest  therein) is an "insurance  company general

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<PAGE>

     account" (as defined in U.S.  Department  of Labor  Prohibited  Transaction
     Class  Exemption  ("PTCE")  95-60,  and (iii) the  conditions  set forth in
     Sections I and III of PTCE  95-60 have been  satisfied  (each  entity  that
     satisfies this clause (b), a "Complying Insurance Company").

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

               (iii) (A) If any Class M Certificate (or any interest therein) is
               acquired  or  held  by any  Person  that  does  not  satisfy  the
               conditions  described  in  paragraph  (ii)  above,  then the last
               preceding Transferee that either (i) is not a Plan Investor, (ii)
               acquired such  Certificate in compliance  with the RFC Exemption,
               or (iii) is a Complying  Insurance Company shall be restored,  to
               the extent  permitted  by law, to all rights and  obligations  as
               Certificate  Owner  thereof  retroactive  to  the  date  of  such
               Transfer of such Class M Certificate.  The Trustee shall be under
               no  liability  to any Person for making any  payments due on such
               Certificate to such preceding Transferee.

                      (B) Any purported  Certificate  Owner whose acquisition or
               holding of any Class M  Certificate  (or  interest  therein)  was
               effected in violation of the restrictions in this Section 5.02(e)
               shall indemnify and hold harmless the Company,  the Trustee,  the
               Master Servicer, any Subservicer,  the Underwriters and the Trust
               Fund from and against any and all liabilities,  claims,  costs or
               expenses incurred by such parties as a result of such acquisition
               or holding.

(f) (i) Each Person who has or who acquires any Ownership  Interest in a Class R
Certificate  shall be deemed by the  acceptance or acquisition of such Ownership
Interest  to have  agreed to be bound by the  following  provisions  and to have
irrevocably  authorized the Trustee or its designee under clause  (iii)(A) below
to deliver  payments  to a Person  other than such Person and to  negotiate  the
terms of any  mandatory  sale under  clause  (iii)(B)  below and to execute  all
instruments of transfer and to do all other things  necessary in connection with
any such sale. The rights of each Person  acquiring any Ownership  Interest in a
Class R Certificate are expressly subject to the following provisions:

(A)  Each  Person  holding or  acquiring  any  Ownership  Interest  in a Class R
     Certificate  shall be a Permitted  Transferee and shall promptly notify the
     Trustee of any  change or  impending  change in its  status as a  Permitted
     Transferee.

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<PAGE>

(B)  In connection  with any proposed  Transfer of any  Ownership  Interest in a
     Class R  Certificate,  the Trustee shall require  delivery to it, and shall
     not register the Transfer of any Class R Certificate  until its receipt of,
     (I) an affidavit and agreement (a "Transfer  Affidavit and  Agreement,"  in
     the form attached hereto as Exhibit G-1) from the proposed  Transferee,  in
     form and substance  satisfactory to the Master  Servicer,  representing and
     warranting,  among other things, that it is a Permitted Transferee, that it
     is not acquiring its Ownership  Interest in the Class R Certificate that is
     the subject of the proposed Transfer as a nominee, trustee or agent for any
     Person who is not a  Permitted  Transferee,  that for so long as it retains
     its Ownership Interest in a Class R Certificate, it will endeavor to remain
     a Permitted  Transferee,  and that it has reviewed the  provisions  of this
     Section 5.02(f) and agrees to be bound by them, and (II) a certificate,  in
     the form  attached  hereto as  Exhibit  G-2,  from the  Holder  wishing  to
     transfer the Class R Certificate, in form and substance satisfactory to the
     Master Servicer,  representing and warranting,  among other things, that no
     purpose of the proposed  Transfer is to impede the assessment or collection
     of tax.

(C)  Notwithstanding  the delivery of a Transfer  Affidavit  and  Agreement by a
     proposed Transferee under clause (B) above, if a Responsible Officer of the
     Trustee who is assigned to this  Agreement  has actual  knowledge  that the
     proposed  Transferee  is not a  Permitted  Transferee,  no  Transfer  of an
     Ownership  Interest in a Class R Certificate  to such  proposed  Transferee
     shall be effected.

(D)  Each  Person  holding or  acquiring  any  Ownership  Interest  in a Class R
     Certificate  shall agree (x) to require a Transfer  Affidavit and Agreement
     from any  other  Person  to whom  such  Person  attempts  to  transfer  its
     Ownership  Interest in a Class R  Certificate  and (y) not to transfer  its
     Ownership  Interest  unless it provides a certificate to the Trustee in the
     form attached hereto as Exhibit G-2.

(E)  Each  Person  holding  or  acquiring  an  Ownership  Interest  in a Class R
     Certificate,  by  purchasing  an  Ownership  Interest in such  Certificate,
     agrees  to give  the  Trustee  written  notice  that it is a  "pass-through
     interest  holder"  within the  meaning of  Temporary  Treasury  Regulations
     Section   1.67-3T(a)(2)(i)(A)   immediately  upon  acquiring  an  Ownership
     Interest  in a Class R  Certificate,  if it is, or is holding an  Ownership
     Interest in a Class R Certificate  on behalf of, a  "pass-through  interest
     holder."

(ii)    The Trustee will register the Transfer of any Class R  Certificate  only
        if it shall have  received  the  Transfer  Affidavit  and  Agreement,  a
        certificate of the Holder  requesting such transfer in the form attached
        hereto as Exhibit G-2 and all of such other documents as shall have been
        reasonably  required by the Trustee as a condition to such registration.
        Transfers of the Class R Certificates  to Non-United  States Persons and
        Disqualified  Organizations  (as  defined in Section  860E(e)(5)  of the
        Code) are prohibited.

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<PAGE>

(iii)(A) If any  Disqualified  Organization  shall  become a holder of a Class R
     Certificate,   then  the  last  preceding  Permitted  Transferee  shall  be
     restored,  to the extent permitted by law, to all rights and obligations as
     Holder thereof  retroactive to the date of registration of such Transfer of
     such Class R  Certificate.  If a  Non-United  States  Person shall become a
     holder of a Class R  Certificate,  then the last  preceding  United  States
     Person shall be restored, to the extent permitted by law, to all rights and
     obligations as Holder thereof  retroactive to the date of  registration  of
     such  Transfer  of such Class R  Certificate.  If a  transfer  of a Class R
     Certificate  is   disregarded   pursuant  to  the  provisions  of  Treasury
     Regulations  Section 1.860E-1 or Section 1.860G-3,  then the last preceding
     Permitted Transferee shall be restored,  to the extent permitted by law, to
     all rights and  obligations  as Holder  thereof  retroactive to the date of
     registration  of such  Transfer  of such Class R  Certificate.  The Trustee
     shall be under no liability to any Person for any  registration of Transfer
     of a Class R  Certificate  that is in fact not  permitted  by this  Section
     5.02(f) or for making any  payments due on such  Certificate  to the holder
     thereof or for taking any other  action with  respect to such holder  under
     the provisions of this Agreement.

     (B)  If any  purported  Transferee  shall  become  a  Holder  of a  Class R
          Certificate in violation of the  restrictions  in this Section 5.02(f)
          and to the extent that the  retroactive  restoration  of the rights of
          the Holder of such Class R Certificate as described in clause (iii)(A)
          above  shall be  invalid,  illegal or  unenforceable,  then the Master
          Servicer  shall  have the right,  without  notice to the holder or any
          prior  holder  of such  Class R  Certificate,  to  sell  such  Class R
          Certificate  to a purchaser  selected  by the Master  Servicer on such
          terms as the Master  Servicer may choose.  Such  purported  Transferee
          shall  promptly  endorse  and  deliver  each  Class R  Certificate  in
          accordance  with  the  instructions  of  the  Master  Servicer.   Such
          purchaser  may be the Master  Servicer  itself or any Affiliate of the
          Master  Servicer.  The proceeds of such sale,  net of the  commissions
          (which may include  commissions  payable to the Master Servicer or its
          Affiliates),  expenses and taxes due, if any,  will be remitted by the
          Master Servicer to such purported Transferee. The terms and conditions
          of any sale under this clause (iii)(B) shall be determined in the sole
          discretion of the Master  Servicer,  and the Master Servicer shall not
          be liable to any  Person  having an  Ownership  Interest  in a Class R
          Certificate as a result of its exercise of such discretion.

(iv) The Master Servicer, on behalf of the Trustee,  shall make available,  upon
     written request from the Trustee, all information  necessary to compute any
     tax imposed (A) as a result of the Transfer of an  Ownership  Interest in a
     Class R  Certificate  to any  Person  who is a  Disqualified  Organization,
     including the  information  regarding  "excess  inclusions" of such Class R
     Certificates  required to be provided to the Internal  Revenue  Service and
     certain   Persons   as   described   in   Treasury   Regulations   Sections
     1.860D-1(b)(5)  and  1.860E-2(a)(5),  and (B) as a result of any  regulated
     investment  company,  real  estate  investment  trust,  common  trust fund,
     partnership, trust, estate or organization described in Section 1381 of the
     Code that holds an Ownership  Interest in a Class R  Certificate  having as
     among its  record  holders  at any time any  Person  who is a  Disqualified
     Organization. Reasonable compensation for providing such information may be
     required by the Master Servicer from such Person.

                                       77
<PAGE>

(v)     The  provisions  of this Section  5.02(f) set forth prior to this clause
        (v) may be modified,  added to or eliminated,  provided that there shall
        have been delivered to the Trustee the following:

     (A)  written  notification  from each Rating  Agency to the effect that the
          modification,  addition to or elimination of such  provisions will not
          cause such Rating Agency to downgrade  its  then-current  ratings,  if
          any, of any Class of the Senior, Class M or Class B Certificates below
          the lower of the  then-current  rating or the rating  assigned to such
          Certificates as of the Closing Date by such Rating Agency; and

     (B)  subject to Section  10.01(f),  an Officers'  Certificate of the Master
          Servicer  stating that the Master  Servicer has received an Opinion of
          Counsel, in form and substance satisfactory to the Master Servicer, to
          the  effect  that such  modification,  addition  to or absence of such
          provisions  will not cause any portion of any REMIC  formed  under the
          Series  Supplement  to cease to  qualify as a REMIC and will not cause
          (x) any portion of any REMIC formed under the Series  Supplement to be
          subject to an  entity-level  tax caused by the Transfer of any Class R
          Certificate to a Person that is a Disqualified  Organization  or (y) a
          Certificateholder  or another Person to be subject to a  REMIC-related
          tax caused by the Transfer of a Class R  Certificate  to a Person that
          is not a Permitted Transferee.

     (g) No  service  charge  shall  be made for any  transfer  or  exchange  of
Certificates  of any  Class,  but  the  Trustee  may  require  payment  of a sum
sufficient  to cover  any tax or  governmental  charge  that may be  imposed  in
connection with any transfer or exchange of Certificates.

     (h) All  Certificates  surrendered  for  transfer  and  exchange  shall  be
destroyed by the Certificate Registrar.

Section 5.03.  Mutilated, Destroyed, Lost or Stolen Certificates.
               --------------------------------------------------

        If (i) any  mutilated  Certificate  is  surrendered  to the  Certificate
Registrar,  or the Trustee and the  Certificate  Registrar  receive  evidence to
their  satisfaction of the destruction,  loss or theft of any  Certificate,  and
(ii) there is  delivered  to the  Trustee  and the  Certificate  Registrar  such
security or indemnity as may be required by them to save each of them  harmless,
then, in the absence of notice to the Trustee or the Certificate  Registrar that
such  Certificate has been acquired by a bona fide purchaser,  the Trustee shall
execute  and the  Certificate  Registrar  shall  authenticate  and  deliver,  in
exchange  for or in lieu  of any  such  mutilated,  destroyed,  lost  or  stolen
Certificate,  a new Certificate of like tenor, Class and Percentage Interest but
bearing a number not contemporaneously outstanding. Upon the issuance of any new
Certificate  under this  Section,  the  Trustee may require the payment of a sum

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sufficient to cover any tax or other governmental  charge that may be imposed in
relation thereto and any other expenses  (including the fees and expenses of the
Trustee  and the  Certificate  Registrar)  connected  therewith.  Any  duplicate
Certificate  issued  pursuant to this  Section  shall  constitute  complete  and
indefeasible  evidence of ownership in the Trust Fund, as if originally  issued,
whether or not the lost,  stolen or destroyed  Certificate shall be found at any
time.

Section 5.04.  Persons Deemed Owners.
               ---------------------

        Prior to due presentation of a Certificate for registration of transfer,
the Company,  the Master Servicer,  the Trustee,  any Certificate  Insurer,  the
Certificate  Registrar and any agent of the Company,  the Master  Servicer,  the
Trustee,  any  Certificate  Insurer or the  Certificate  Registrar may treat the
Person  in  whose  name  any  Certificate  is  registered  as the  owner of such
Certificate for the purpose of receiving  distributions pursuant to Section 4.02
and for all other purposes  whatsoever,  except as and to the extent provided in
the  definition  of  "Certificateholder,"  and neither the  Company,  the Master
Servicer,  the Trustee, any Certificate  Insurer, the Certificate  Registrar nor
any agent of the Company,  the Master  Servicer,  the Trustee,  any  Certificate
Insurer or the Certificate Registrar shall be affected by notice to the contrary
except as provided in Section 5.02(f).

Section 5.05.  Appointment of Paying Agent.
               ---------------------------

        The  Trustee  may  appoint  a Paying  Agent  for the  purpose  of making
distributions to the  Certificateholders  pursuant to Section 4.02. In the event
of any  such  appointment,  on or  prior to each  Distribution  Date the  Master
Servicer on behalf of the Trustee  shall  deposit or cause to be deposited  with
the Paying Agent a sum sufficient to make the payments to the Certificateholders
in the amounts and in the manner  provided for in Section  4.02,  such sum to be
held in trust for the benefit of the Certificateholders.

        The Trustee  shall cause each Paying Agent to execute and deliver to the
Trustee an  instrument  in which such Paying  Agent shall agree with the Trustee
that such  Paying  Agent  will hold all sums held by it for the  payment  to the
Certificateholders in trust for the benefit of the  Certificateholders  entitled
thereto  until such sums shall be paid to such  Certificateholders.  Any sums so
held by such Paying Agent shall be held only in Eligible  Accounts to the extent
such sums are not distributed to the  Certificateholders  on the date of receipt
by such Paying Agent.

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<PAGE>

                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

Section 6.01.  Respective Liabilities of the Company and the Master Servicer.
               --------------------------------------------------------------

        The Company and the Master  Servicer  shall each be liable in accordance
herewith only to the extent of the  obligations  specifically  and  respectively
imposed upon and undertaken by the Company and the Master  Servicer  herein.  By
way of  illustration  and not  limitation,  the  Company  is not  liable for the
servicing  and  administration  of the  Mortgage  Loans,  nor is it obligated by
Section 7.01 or Section 10.01 to assume any  obligations of the Master  Servicer
or to appoint a designee  to assume such  obligations,  nor is it liable for any
other  obligation  hereunder that it may, but is not obligated to, assume unless
it elects to assume such obligation in accordance herewith.

Section 6.02.  Merger or  Consolidation  of the Company or the Master  Servicer;
     Assignment of Rights and Delegation of Duties by Master Servicer.

(a) The  Company  and the  Master  Servicer  will each keep in full  effect  its
existence, rights and franchises as a corporation under the laws of the state of
its  incorporation,  and will each obtain and preserve its  qualification  to do
business  as  a  foreign   corporation  in  each   jurisdiction  in  which  such
qualification   is  or  shall  be   necessary   to  protect  the   validity  and
enforceability of this Agreement,  the Certificates or any of the Mortgage Loans
and to perform its respective duties under this Agreement.

(b) Any Person  into which the Company or the Master  Servicer  may be merged or
consolidated,  or any corporation  resulting from any merger or consolidation to
which  the  Company  or the  Master  Servicer  shall be a party,  or any  Person
succeeding to the business of the Company or the Master  Servicer,  shall be the
successor of the Company or the Master Servicer,  as the case may be, hereunder,
without the  execution  or filing of any paper or any further act on the part of
any of the parties  hereto,  anything  herein to the  contrary  notwithstanding;
provided, however, that the successor or surviving Person to the Master Servicer
shall be qualified to service  mortgage loans on behalf of Fannie Mae or Freddie
Mac; and  provided  further that each Rating  Agency's  ratings,  if any, of the
Senior,  Class M or Class B  Certificates  in effect  immediately  prior to such
merger or consolidation will not be qualified,  reduced or withdrawn as a result
thereof (as evidenced by a letter to such effect from each Rating Agency).

(c)  Notwithstanding  anything else in this Section 6.02 and Section 6.04 to the
contrary,  the Master Servicer may assign its rights and delegate its duties and
obligations  under  this  Agreement;  provided  that the Person  accepting  such
assignment  or  delegation  shall be a  Person  which is  qualified  to  service
mortgage   loans  on  behalf  of  Fannie  Mae  or  Freddie  Mac,  is  reasonably
satisfactory to the Trustee and the Company,  is willing to service the Mortgage
Loans and executes and delivers to the Company and the Trustee an agreement,  in
form and substance reasonably satisfactory to the Company and the Trustee, which
contains an  assumption by such Person of the due and punctual  performance  and
observance  of each  covenant  and  condition to be performed or observed by the
Master Servicer under this Agreement; provided further that each Rating Agency's

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<PAGE>

rating of the Classes of Certificates that have been rated in effect immediately
prior to such  assignment  and  delegation  will not be  qualified,  reduced  or
withdrawn  as a result of such  assignment  and  delegation  (as  evidenced by a
letter  to such  effect  from  each  Rating  Agency).  In the  case of any  such
assignment  and  delegation,  the Master  Servicer  shall be  released  from its
obligations  under this Agreement,  except that the Master Servicer shall remain
liable for all  liabilities  and  obligations  incurred by it as Master Servicer
hereunder  prior to the  satisfaction  of the conditions to such  assignment and
delegation set forth in the next preceding sentence.

Section 6.03.  Limitation on Liability of the Company,
                      the Master Servicer and Others.

        Neither  the  Company,  the Master  Servicer  nor any of the  directors,
officers,  employees  or agents of the Company or the Master  Servicer  shall be
under any liability to the Trust Fund or the  Certificateholders  for any action
taken or for refraining  from the taking of any action in good faith pursuant to
this  Agreement,  or for  errors  in  judgment;  provided,  however,  that  this
provision shall not protect the Company,  the Master Servicer or any such Person
against any breach of warranties or representations made herein or any liability
which would otherwise be imposed by reason of willful misfeasance,  bad faith or
gross negligence in the performance of duties or by reason of reckless disregard
of obligations and duties  hereunder.  The Company,  the Master Servicer and any
director,  officer,  employee or agent of the Company or the Master Servicer may
rely in good faith on any document of any kind prima facie properly executed and
submitted by any Person respecting any matters arising  hereunder.  The Company,
the Master Servicer and any director,  officer, employee or agent of the Company
or the Master  Servicer shall be indemnified by the Trust Fund and held harmless
against any loss,  liability or expense  incurred in  connection  with any legal
action  relating to this  Agreement  or the  Certificates,  other than any loss,
liability or expense  related to any specific  Mortgage  Loan or Mortgage  Loans
(except as any such loss,  liability or expense shall be otherwise  reimbursable
pursuant  to this  Agreement)  and any loss,  liability  or expense  incurred by
reason of willful misfeasance,  bad faith or gross negligence in the performance
of duties hereunder or by reason of reckless disregard of obligations and duties
hereunder.

        Neither  the  Company  nor  the  Master  Servicer  shall  be  under  any
obligation to appear in, prosecute or defend any legal or administrative action,
proceeding,  hearing or  examination  that is not  incidental to its  respective
duties  under this  Agreement  and which in its  opinion  may  involve it in any
expense or liability; provided, however, that the Company or the Master Servicer
may  in its  discretion  undertake  any  such  action,  proceeding,  hearing  or
examination that it may deem necessary or desirable in respect to this Agreement
and the  rights  and  duties of the  parties  hereto  and the  interests  of the
Certificateholders  hereunder.  In such event,  the legal  expenses and costs of
such action,  proceeding,  hearing or  examination  and any liability  resulting
therefrom  shall be expenses,  costs and  liabilities of the Trust Fund, and the
Company and the Master Servicer shall be entitled to be reimbursed  therefor out
of amounts  attributable  to the  Mortgage  Loans on  deposit  in the  Custodial
Account as provided by Section 3.10 and, on the Distribution  Date(s)  following
such reimbursement,  the aggregate of such expenses and costs shall be allocated
in reduction of the Accrued Certificate  Interest on each Class entitled thereto
in the same  manner as if such  expenses  and  costs  constituted  a  Prepayment
Interest Shortfall.

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<PAGE>

Section 6.04.  Company and Master Servicer Not to Resign.
               -----------------------------------------

        Subject to the  provisions of Section 6.02,  neither the Company nor the
Master  Servicer shall resign from its respective  obligations and duties hereby
imposed on it except upon  determination that its duties hereunder are no longer
permissible  under  applicable  law.  Any  such  determination   permitting  the
resignation  of the  Company or the Master  Servicer  shall be  evidenced  by an
Opinion of Counsel to such effect delivered to the Trustee.  No such resignation
by the Master  Servicer shall become  effective until the Trustee or a successor
servicer  shall  have  assumed  the  Master  Servicer's   responsibilities   and
obligations in accordance with Section 7.02.

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<PAGE>

ARTICLE VII

<PAGE>

                                     DEFAULT

Section 7.01.  Events of Default.
               -----------------

        Event of Default,  wherever used herein,  means any one of the following
events  (whatever  reason  for such  Event of  Default  and  whether it shall be
voluntary or  involuntary  or be effected by operation of law or pursuant to any
judgment,  decree or order of any court or any order,  rule or regulation of any
administrative or governmental body):

(i)     the Master  Servicer shall fail to distribute or cause to be distributed
        to the Holders of Certificates of any Class any distribution required to
        be made  under  the  terms of the  Certificates  of such  Class and this
        Agreement and, in either case,  such failure shall  continue  unremedied
        for a period of 5 days after the date upon which written  notice of such
        failure, requiring such failure to be remedied, shall have been given to
        the  Master  Servicer  by the  Trustee  or the  Company or to the Master
        Servicer,  the Company and the Trustee by the Holders of Certificates of
        such Class  evidencing  Percentage  Interests  aggregating not less than
        25%; or

(ii) the Master  Servicer  shall  fail to  observe  or  perform in any  material
     respect any other of the  covenants or agreements on the part of the Master
     Servicer  contained in the  Certificates  of any Class or in this Agreement
     and such failure shall continue  unremedied for a period of 30 days (except
     that such  number of days  shall be 15 in the case of a failure  to pay the
     premium for any Required  Insurance Policy) after the date on which written
     notice of such failure,  requiring the same to be remedied, shall have been
     given to the  Master  Servicer  by the  Trustee or the  Company,  or to the
     Master Servicer, the Company and the Trustee by the Holders of Certificates
     of  any  Class  evidencing,  in the  case  of any  such  Class,  Percentage
     Interests aggregating not less than 25%; or

(iii)   a decree or order of a court or agency or supervisory  authority  having
        jurisdiction in the premises in an involuntary case under any present or
        future  federal  or  state  bankruptcy,  insolvency  or  similar  law or
        appointing a conservator  or receiver or  liquidator in any  insolvency,
        readjustment  of debt,  marshalling of assets and liabilities or similar
        proceedings,  or for the winding-up or liquidation of its affairs, shall
        have been entered  against the Master  Servicer and such decree or order
        shall have remained in force undischarged or unstayed for a period of 60
        days; or

(iv)    the Master Servicer shall consent to the appointment of a conservator or
        receiver  or  liquidator  in  any  insolvency,   readjustment  of  debt,
        marshalling of assets and  liabilities,  or similar  proceedings  of, or
        relating  to,  the  Master  Servicer  or  of,  or  relating  to,  all or
        substantially all of the property of the Master Servicer; or

(v)     the Master  Servicer  shall  admit in writing its  inability  to pay its
        debts  generally as they become due,  file a petition to take  advantage
        of, or commence a voluntary  case under,  any  applicable  insolvency or
        reorganization  statute,  make  an  assignment  for the  benefit  of its
        creditors, or voluntarily suspend payment of its obligations; or

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<PAGE>

(vi)    the Master Servicer shall notify the Trustee pursuant to Section 4.04(b)
        that it is unable to deposit in the Certificate  Account an amount equal
        to the Advance.

        If an Event of  Default  described  in clauses  (i)-(v) of this  Section
shall  occur,  then,  and in each and every such case,  so long as such Event of
Default shall not have been remedied, either the Company or the Trustee may, and
at the  direction  of Holders of  Certificates  entitled  to at least 51% of the
Voting Rights,  the Trustee shall,  by notice in writing to the Master  Servicer
(and to the  Company if given by the  Trustee or to the  Trustee if given by the
Company),  terminate all of the rights and  obligations  of the Master  Servicer
under this Agreement and in and to the Mortgage Loans and the proceeds  thereof,
other than its rights as a Certificateholder  hereunder.  If an Event of Default
described in clause (vi) hereof shall occur, the Trustee shall, by notice to the
Master  Servicer and the Company,  immediately  terminate  all of the rights and
obligations  of the  Master  Servicer  under  this  Agreement  and in and to the
Mortgage  Loans  and  the  proceeds   thereof,   other  than  its  rights  as  a
Certificateholder  hereunder  as  provided in Section  4.04(b).  On or after the
receipt by the Master Servicer of such written  notice,  all authority and power
of the  Master  Servicer  under  this  Agreement,  whether  with  respect to the
Certificates  (other  than  as a  Holder  thereof)  or  the  Mortgage  Loans  or
otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or
the  Trustee's  designee  appointed  pursuant  to  Section  7.02;  and,  without
limitation,  the  Trustee is hereby  authorized  and  empowered  to execute  and
deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any
and all documents and other instruments,  and to do or accomplish all other acts
or things  necessary  or  appropriate  to effect the  purposes of such notice of
termination,  whether to complete the transfer and  endorsement or assignment of
the Mortgage  Loans and related  documents,  or otherwise.  The Master  Servicer
agrees to cooperate with the Trustee in effecting the  termination of the Master
Servicer's responsibilities and rights hereunder, including, without limitation,
the transfer to the Trustee or its designee for administration by it of all cash
amounts  which  shall at the time be credited  to the  Custodial  Account or the
Certificate  Account or  thereafter  be received  with  respect to the  Mortgage
Loans. No such  termination  shall release the Master Servicer for any liability
that it would  otherwise  have  hereunder  for any act or omission  prior to the
effective time of such termination.

        Notwithstanding any termination of the activities of Residential Funding
in its  capacity as Master  Servicer  hereunder,  Residential  Funding  shall be
entitled  to  receive,  out of any late  collection  of a Monthly  Payment  on a
Mortgage  Loan  which  was  due  prior  to the  notice  terminating  Residential
Funding's rights and obligations as Master Servicer hereunder and received after
such notice,  that portion to which Residential Funding would have been entitled
pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in
respect thereof,  and any other amounts payable to Residential Funding hereunder
the  entitlement  to which  arose  prior to the  termination  of its  activities
hereunder.  Upon the  termination  of  Residential  Funding  as Master  Servicer
hereunder the Company shall deliver to the Trustee a copy of the Program Guide.

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<PAGE>

Section 7.02.  Trustee or Company to Act; Appointment of Successor.
               ----------------------------------------------------

(a) On and after the time the Master  Servicer  receives a notice of termination
pursuant to Section 7.01 or resigns in accordance with Section 6.04, the Trustee
or, upon notice to the Company and with the Company's  consent  (which shall not
be unreasonably withheld) a designee (which meets the standards set forth below)
of the Trustee, shall be the successor in all respects to the Master Servicer in
its capacity as servicer under this Agreement and the  transactions set forth or
provided for herein and shall be subject to all the responsibilities, duties and
liabilities  relating  thereto  placed on the Master  Servicer  (except  for the
responsibilities, duties and liabilities contained in Sections 2.02 and 2.03(a),
excluding  the duty to notify  related  Subservicers  or Sellers as set forth in
such  Sections,  and its  obligations  to  deposit  amounts in respect of losses
incurred  prior to such notice or  termination on the investment of funds in the
Custodial  Account or the Certificate  Account  pursuant to Sections 3.07(c) and
4.01(b) by the terms and provisions hereof); provided, however, that any failure
to  perform  such  duties or  responsibilities  caused by the  preceding  Master
Servicer's failure to provide information  required by Section 4.04 shall not be
considered a default by the Trustee  hereunder.  As compensation  therefor,  the
Trustee shall be entitled to all funds  relating to the Mortgage Loans which the
Master  Servicer would have been entitled to charge to the Custodial  Account or
the  Certificate  Account if the Master  Servicer had continued to act hereunder
and, in addition, shall be entitled to the income from any Permitted Investments
made with  amounts  attributable  to the  Mortgage  Loans held in the  Custodial
Account or the Certificate  Account.  If the Trustee has become the successor to
the Master  Servicer in  accordance  with  Section  6.04 or Section  7.01,  then
notwithstanding  the above, the Trustee may, if it shall be unwilling to so act,
or shall, if it is unable to so act,  appoint,  or petition a court of competent
jurisdiction to appoint,  any established housing and home finance  institution,
which  is  also  a  Fannie  Mae-  or  Freddie  Mac-approved  mortgage  servicing
institution, having a net worth of not less than $10,000,000 as the successor to
the  Master  Servicer  hereunder  in the  assumption  of all or any  part of the
responsibilities,  duties  or  liabilities  of the  Master  Servicer  hereunder.
Pending appointment of a successor to the Master Servicer hereunder, the Trustee
shall become  successor to the Master Servicer and shall act in such capacity as
hereinabove  provided.  In connection with such appointment and assumption,  the
Trustee may make such arrangements for the compensation of such successor out of
payments on  Mortgage  Loans as it and such  successor  shall  agree;  provided,
however,  that no such  compensation  shall be in excess of that  permitted  the
initial Master Servicer hereunder.  The Company,  the Trustee, the Custodian and
such successor shall take such action,  consistent with this Agreement, as shall
be  necessary to  effectuate  any such  succession.  The  Servicing  Fee for any
successor  Master  Servicer  appointed  pursuant  to this  Section  7.02 will be
lowered with respect to those Mortgage Loans, if any, where the Subservicing Fee
accrues at a rate of less than  0.20% per annum in the event that the  successor
Master  Servicer  is  not  servicing  such  Mortgage  Loans  directly  and it is
necessary to raise the related  Subservicing Fee to a rate of 0.20% per annum in
order to hire a Subservicer with respect to such Mortgage Loans.

        (b) In connection  with the  termination  or  resignation  of the Master
Servicer  hereunder,  either (i) the successor  Master  Servicer,  including the
Trustee if the Trustee is acting as successor Master  Servicer,  shall represent
and  warrant  that it is a member of MERS in good  standing  and shall  agree to
comply  in all  material  respects  with the  rules  and  procedures  of MERS in
connection  with the servicing of the Mortgage  Loans that are  registered  with
MERS, in which case the  predecessor  Master  Servicer shall  cooperate with the
successor  Master  Servicer in causing MERS to revise its records to reflect the
transfer of servicing to the successor  Master Servicer as necessary under MERS'
rules and regulations,  or (ii) the predecessor  Master Servicer shall cooperate
with the  successor  Master  Servicer in causing  MERS to execute and deliver an

                                       85
<PAGE>

the Trustee and to execute and deliver such other  notices,  documents and other
instruments  as may be  necessary  or  desirable  to effect a  transfer  of such
Mortgage Loan or servicing of such  Mortgage  Loan on the MERS(R)  System to the
successor Master Servicer.  The predecessor  Master Servicer shall file or cause
to be  filed  any such  assignment  in the  appropriate  recording  office.  The
predecessor  Master  Servicer  shall  bear any and all  fees of  MERS,  costs of
preparing  any  assignments  of  Mortgage,  and fees and  costs  of  filing  any
assignments  of Mortgage  that may be required  under this  subsection  (b). The
successor  Master  Servicer  shall cause such  assignment to be delivered to the
Trustee or the Custodian  promptly upon receipt of the original with evidence of
recording  thereon or a copy certified by the public  recording  office in which
such assignment was recorded.

Section 7.03.  Notification to Certificateholders.
               -----------------------------------

(a) Upon any such  termination  or  appointment  of a  successor  to the  Master
Servicer,   the  Trustee  shall  give  prompt  written  notice  thereof  to  the
Certificateholders  at their respective  addresses  appearing in the Certificate
Register.

(b) Within 60 days after the  occurrence  of any Event of  Default,  the Trustee
shall transmit by mail to all Holders of Certificates  notice of each such Event
of Default  hereunder  known to the Trustee,  unless such Event of Default shall
have been cured or waived.

Section 7.04.  Waiver of Events of Default.
               ----------------------------

        The Holders representing at least 66% of the Voting Rights affected by a
default  or Event of  Default  hereunder  may  waive  such  default  or Event of
Default; provided,  however, that (a) a default or Event of Default under clause
(i) of Section  7.01 may be waived  only by all of the  Holders of  Certificates
affected by such default or Event of Default and (b) no waiver  pursuant to this
Section 7.04 shall affect the Holders of Certificates in the manner set forth in
Section  11.01(b)(i)  or (ii).  Upon any such  waiver of a  default  or Event of
Default by the Holders  representing  the requisite  percentage of Voting Rights
affected by such  default or Event of Default,  such default or Event of Default
shall cease to exist and shall be deemed to have been remedied for every purpose
hereunder.  No such waiver shall extend to any  subsequent  or other  default or
Event of  Default or impair any right  consequent  thereon  except to the extent
expressly so waived.

                                       86
<PAGE>

                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

Section 8.01.  Duties of Trustee.
               -----------------

(a) The Trustee,  prior to the  occurrence  of an Event of Default and after the
curing or waiver of all Events of Default which may have occurred, undertakes to
perform such duties and only such duties as are  specifically  set forth in this
Agreement. In case an Event of Default has occurred (which has not been cured or
waived),  the Trustee shall  exercise such of the rights and powers vested in it
by this  Agreement,  and use the same degree of care and skill in their exercise
as a prudent  investor  would  exercise  or use under the  circumstances  in the
conduct of such investor's own affairs.

(b) The Trustee,  upon  receipt of all  resolutions,  certificates,  statements,
opinions,  reports,  documents,  orders or other  instruments  furnished  to the
Trustee  which  are  specifically  required  to be  furnished  pursuant  to  any
provision  of this  Agreement,  shall  examine  them to  determine  whether they
conform to the  requirements  of this  Agreement.  The Trustee  shall notify the
Certificateholders  of any such documents which do not materially conform to the
requirements  of  this  Agreement  in the  event  that  the  Trustee,  after  so
requesting, does not receive satisfactorily corrected documents.

        The Trustee shall  forward or cause to be forwarded in a timely  fashion
the  notices,  reports and  statements  required to be  forwarded by the Trustee
pursuant to Sections 4.03,  4.06, 7.03 and 10.01. The Trustee shall furnish in a
timely fashion to the Master  Servicer such  information as the Master  Servicer
may reasonably  request from time to time for the Master Servicer to fulfill its
duties as set forth in this Agreement.  The Trustee covenants and agrees that it
shall perform its obligations hereunder in a manner so as to maintain the status
of any portion of any REMIC formed under the Series  Supplement as a REMIC under
the REMIC Provisions and (subject to Section 10.01(f)) to prevent the imposition
of any federal, state or local income,  prohibited transaction,  contribution or
other tax on the Trust  Fund to the  extent  that  maintaining  such  status and
avoiding  such taxes are  reasonably  within the  control of the Trustee and are
reasonably within the scope of its duties under this Agreement.

(c) No  provision  of this  Agreement  shall be construed to relieve the Trustee
from liability for its own negligent action, its own negligent failure to act or
its own willful misconduct; provided, however, that:

(i)  Prior to the  occurrence  of an Event of  Default,  and after the curing or
     waiver of all such Events of Default  which may have  occurred,  the duties
     and  obligations  of the Trustee shall be determined  solely by the express
     provisions  of this  Agreement,  the Trustee shall not be liable except for
     the  performance  of such duties and  obligations as are  specifically  set
     forth in this Agreement,  no implied covenants or obligations shall be read
     into this Agreement against the Trustee and, in the absence of bad faith on
     the part of the Trustee, the Trustee may conclusively rely, as to the truth
     of the statements and the  correctness of the opinions  expressed  therein,
     upon any  certificates or opinions  furnished to the Trustee by the Company
     or the Master  Servicer  and which on their  face,  do not  contradict  the
     requirements of this Agreement;

                                       87
<PAGE>

(ii)    The Trustee shall not be personally liable for an error of judgment made
        in good faith by a Responsible  Officer or  Responsible  Officers of the
        Trustee,  unless it shall be proved that the Trustee  was  negligent  in
        ascertaining the pertinent facts;

(iii)   The Trustee  shall not be  personally  liable with respect to any action
        taken, suffered or omitted to be taken by it in good faith in accordance
        with  the   direction  of   Certificateholders   of  any  Class  holding
        Certificates  which  evidence,  as to such Class,  Percentage  Interests
        aggregating  not  less  than 25% as to the  time,  method  and  place of
        conducting any proceeding  for any remedy  available to the Trustee,  or
        exercising  any trust or power  conferred  upon the Trustee,  under this
        Agreement;

(iv)    The Trustee  shall not be charged with  knowledge of any default  (other
        than a default in payment to the  Trustee)  specified in clauses (i) and
        (ii) of Section 7.01 or an Event of Default  under clauses  (iii),  (iv)
        and (v) of Section  7.01  unless a  Responsible  Officer of the  Trustee
        assigned to and working in the  Corporate  Trust Office  obtains  actual
        knowledge  of such  failure  or event or the  Trustee  receives  written
        notice of such failure or event at its  Corporate  Trust Office from the
        Master Servicer, the Company or any Certificateholder; and

(v)     Except to the extent  provided in Section  7.02,  no  provision  in this
        Agreement  shall  require  the  Trustee  to expend or risk its own funds
        (including,  without limitation, the making of any Advance) or otherwise
        incur any personal financial  liability in the performance of any of its
        duties as Trustee hereunder,  or in the exercise of any of its rights or
        powers, if the Trustee shall have reasonable  grounds for believing that
        repayment of funds or adequate  indemnity against such risk or liability
        is not reasonably assured to it.

(d) The Trustee shall timely pay, from its own funds,  the amount of any and all
federal,  state and local  taxes  imposed  on the  Trust  Fund or its  assets or
transactions including, without limitation, (A) "prohibited transaction" penalty
taxes as defined in Section 860F of the Code,  if, when and as the same shall be
due and payable,  (B) any tax on contributions to a REMIC after the Closing Date
imposed  by  Section  860G(d)  of the Code and (C) any tax on "net  income  from
foreclosure  property"  as defined in Section  860G(c) of the Code,  but only if
such taxes  arise out of a breach by the Trustee of its  obligations  hereunder,
which breach constitutes negligence or willful misconduct of the Trustee.

Section 8.02.  Certain Matters Affecting the Trustee.

(a)     Except as otherwise provided in Section 8.01:

(i)     The Trustee may rely and shall be protected in acting or refraining from
        acting  upon  any  resolution,  Officers'  Certificate,  certificate  of
        auditors  or any  other  certificate,  statement,  instrument,  opinion,
        report, notice, request,  consent, order, appraisal, bond or other paper
        or  document  believed  by it to be genuine  and to have been  signed or
        presented by the proper party or parties;

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<PAGE>

(ii) The Trustee may consult  with  counsel and any Opinion of Counsel  shall be
     full and complete  authorization  and  protection  in respect of any action
     taken  or  suffered  or  omitted  by it  hereunder  in  good  faith  and in
     accordance with such Opinion of Counsel;

(iii)The Trustee  shall be under no  obligation to exercise any of the trusts or
     powers vested in it by this  Agreement or to  institute,  conduct or defend
     any  litigation  hereunder or in relation  hereto at the request,  order or
     direction of any of the  Certificateholders,  pursuant to the provisions of
     this Agreement,  unless such  Certificateholders  shall have offered to the
     Trustee  reasonable  security or indemnity against the costs,  expenses and
     liabilities  which may be incurred  therein or thereby;  nothing  contained
     herein  shall,  however,  relieve the Trustee of the  obligation,  upon the
     occurrence of an Event of Default (which has not been cured or waived),  to
     exercise such of the rights and powers vested in it by this Agreement,  and
     to use the same  degree  of care and skill in their  exercise  as a prudent
     investor  would exercise or use under the  circumstances  in the conduct of
     such investor's own affairs;

(iv) The Trustee shall not be personally  liable for any action taken,  suffered
     or omitted  by it in good  faith and  believed  by it to be  authorized  or
     within  the  discretion  or  rights  or  powers  conferred  upon it by this
     Agreement;

(v)  Prior to the  occurrence  of an Event of  Default  hereunder  and after the
     curing or waiver of all  Events of  Default  which may have  occurred,  the
     Trustee  shall  not be bound to make any  investigation  into the  facts or
     matters  stated  in any  resolution,  certificate,  statement,  instrument,
     opinion,  report, notice, request,  consent, order, approval, bond or other
     paper or  document,  unless  requested  in  writing  so to do by Holders of
     Certificates  of  any  Class  evidencing,  as  to  such  Class,  Percentage
     Interests,  aggregating not less than 50%; provided,  however,  that if the
     payment within a reasonable  time to the Trustee of the costs,  expenses or
     liabilities likely to be incurred by it in the making of such investigation
     is, in the opinion of the Trustee, not reasonably assured to the Trustee by
     the security afforded to it by the terms of this Agreement, the Trustee may
     require  reasonable  indemnity  against  such  expense  or  liability  as a
     condition  to  so  proceeding.   The  reasonable   expense  of  every  such
     examination  shall be paid by the Master  Servicer,  if an Event of Default
     shall   have   occurred   and  is   continuing,   and   otherwise   by  the
     Certificateholder requesting the investigation;

(vi)    The Trustee may execute any of the trusts or powers hereunder or perform
        any  duties  hereunder  either  directly  or by  or  through  agents  or
        attorneys; and

(vii)To the extent  authorized  under the Code and the  regulations  promulgated
     thereunder,  each  Holder  of a  Class  R  Certificate  hereby  irrevocably
     appoints and authorizes the Trustee to be its attorney-in-fact for purposes
     of  signing  any Tax  Returns  required  to be filed on behalf of the Trust
     Fund. The Trustee shall sign on behalf of the Trust Fund and deliver to the
     Master Servicer in a timely manner any Tax Returns prepared by or on behalf
     of the Master  Servicer  that the Trustee is required to sign as determined
     by the Master Servicer pursuant to applicable  federal,  state or local tax
     laws,  provided that the Master  Servicer  shall  indemnify the Trustee for
     signing any such Tax Returns that contain errors or omissions.

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<PAGE>

(b) Following the issuance of the Certificates, the Trustee shall not accept any
contribution of assets to the Trust Fund unless (subject to Section 10.01(f)) it
shall have obtained or been  furnished  with an Opinion of Counsel to the effect
that such  contribution will not (i) cause any portion of any REMIC formed under
the  Series  Supplement  to fail to  qualify  as a REMIC  at any  time  that any
Certificates  are  outstanding or (ii) cause the Trust Fund to be subject to any
federal tax as a result of such  contribution  (including  the imposition of any
federal tax on "prohibited  transactions"  imposed under Section  860F(a) of the
Code).

Section 8.03.  Trustee Not Liable for Certificates or Mortgage Loans.

        The recitals  contained herein and in the  Certificates  (other than the
execution of the  Certificates and relating to the acceptance and receipt of the
Mortgage  Loans) shall be taken as the  statements  of the Company or the Master
Servicer as the case may be, and the Trustee assumes no responsibility for their
correctness.  The  Trustee  makes  no  representations  as to  the  validity  or
sufficiency  of  this  Agreement  or  of  the  Certificates   (except  that  the
Certificates  shall be duly and  validly  executed  and  authenticated  by it as
Certificate  Registrar) or of any Mortgage Loan or related document,  or of MERS
or the MERS(R) System.  Except as otherwise  provided herein,  the Trustee shall
not be  accountable  for the use or  application  by the  Company  or the Master
Servicer of any of the Certificates or of the proceeds of such Certificates,  or
for the use or  application  of any  funds  paid to the  Company  or the  Master
Servicer in respect of the Mortgage  Loans or deposited in or withdrawn from the
Custodial  Account  or the  Certificate  Account  by the  Company  or the Master
Servicer.

Section 8.04.  Trustee May Own Certificates.

        The Trustee in its individual or any other capacity may become the owner
or pledgee  of  Certificates  with the same  rights it would have if it were not
Trustee.

Section 8.05.  Master Servicer to Pay Trustee's Fees
                      and Expenses; Indemnification.

(a) The  Master  Servicer  covenants  and agrees to pay to the  Trustee  and any
co-trustee  from  time to time,  and the  Trustee  and any  co-trustee  shall be
entitled  to,  reasonable  compensation  (which  shall  not  be  limited  by any
provision of law in regard to the compensation of a trustee of an express trust)
for all services  rendered by each of them in the execution of the trusts hereby
created  and in the  exercise  and  performance  of any of the powers and duties
hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or
reimburse  the  Trustee  and any  co-trustee  upon  request  for all  reasonable
expenses,  disbursements  and  advances  incurred  or made by the Trustee or any
co-trustee in accordance with any of the provisions of this Agreement (including
the reasonable  compensation  and the expenses and  disbursements of its counsel
and of all persons not regularly in its employ, and the expenses incurred by the
Trustee or any  co-trustee in connection  with the  appointment  of an office or
agency  pursuant  to Section  8.12)  except any such  expense,  disbursement  or
advance as may arise from its negligence or bad faith.

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<PAGE>

(b) The Master  Servicer  agrees to  indemnify  the Trustee for, and to hold the
Trustee  harmless  against,  any loss,  liability  or expense  incurred  without
negligence or willful  misconduct on the Trustee's  part,  arising out of, or in
connection with, the acceptance and administration of the Trust Fund,  including
the costs  and  expenses  (including  reasonable  legal  fees and  expenses)  of
defending   itself  against  any  claim  in  connection  with  the  exercise  or
performance  of any of its  powers  or  duties  under  this  Agreement  and  the
Custodial Agreement, provided that:

(i)     with respect to any such claim,  the Trustee shall have given the Master
        Servicer  written notice  thereof  promptly after the Trustee shall have
        actual knowledge thereof;

(ii)    while  maintaining  control  over its own  defense,  the  Trustee  shall
        cooperate and consult fully with the Master  Servicer in preparing  such
        defense; and

(iii)   notwithstanding  anything in this Agreement to the contrary,  the Master
        Servicer  shall not be liable for settlement of any claim by the Trustee
        entered  into  without the prior  consent of the Master  Servicer  which
        consent shall not be unreasonably withheld.

No termination of this Agreement  shall affect the  obligations  created by this
Section  8.05(b) of the Master  Servicer  to  indemnify  the  Trustee  under the
conditions and to the extent set forth herein.

        Notwithstanding  the  foregoing,  the  indemnification  provided  by the
Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability
or expense of the Trustee,  including the costs and expenses of defending itself
against any claim,  incurred in connection with any actions taken by the Trustee
at the  direction  of the  Certificateholders  pursuant  to the  terms  of  this
Agreement.

Section 8.06.  Eligibility Requirements for Trustee.
               ------------------------------------

        The Trustee  hereunder shall at all times be a corporation or a national
banking  association  having its principal office in a state and city acceptable
to the Company and organized and doing  business under the laws of such state or
the United States of America,  authorized under such laws to exercise  corporate
trust powers,  having a combined capital and surplus of at least $50,000,000 and
subject to supervision or  examination  by federal or state  authority.  If such
corporation or national banking  association  publishes  reports of condition at
least  annually,  pursuant  to  law  or to the  requirements  of  the  aforesaid
supervising  or examining  authority,  then for the purposes of this Section the
combined  capital  and  surplus  of such  corporation  shall be deemed to be its
combined capital and surplus as set forth in its most recent report of condition
so  published.  In case at any time the  Trustee  shall  cease to be eligible in
accordance  with the  provisions  of this  Section,  the  Trustee  shall  resign
immediately in the manner and with the effect specified in Section 8.07.

Section 8.07.  Resignation and Removal of the Trustee.
               --------------------------------------

(a) The Trustee may at any time resign and be discharged  from the trusts hereby
created by giving  written  notice  thereof to the Company.  Upon receiving such
notice of resignation, the Company shall promptly appoint a successor trustee by

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<PAGE>

written  instrument,  in  duplicate,  one  copy of  which  instrument  shall  be
delivered to the resigning Trustee and one copy to the successor trustee.  If no
successor  trustee shall have been so appointed  and have  accepted  appointment
within 30 days after the giving of such  notice of  resignation,  the  resigning
Trustee may petition any court of competent  jurisdiction for the appointment of
a successor trustee.

(b) If at any time the Trustee shall cease to be eligible in accordance with the
provisions  of  Section  8.06 and shall  fail to resign  after  written  request
therefor by the Company, or if at any time the Trustee shall become incapable of
acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee
or of its property  shall be appointed,  or any public officer shall take charge
or  control of the  Trustee or of its  property  or affairs  for the  purpose of
rehabilitation,  conservation  or  liquidation,  then the Company may remove the
Trustee and appoint a successor trustee by written instrument, in duplicate, one
copy of which  instrument  shall be  delivered to the Trustee so removed and one
copy to the  successor  trustee.  In  addition,  in the event  that the  Company
determines  that  the  Trustee  has  failed  (i) to  distribute  or  cause to be
distributed  to the  Certificateholders  any amount  required to be  distributed
hereunder, if such amount is held by the Trustee or its Paying Agent (other than
the Master  Servicer  or the  Company)  for  distribution  or (ii) to  otherwise
observe or perform in any material  respect any of its covenants,  agreements or
obligations  hereunder,  and such failure shall continue unremedied for a period
of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii)
above) after the date on which written  notice of such failure,  requiring  that
the same be remedied,  shall have been given to the Trustee by the Company, then
the Company  may remove the  Trustee and appoint a successor  trustee by written
instrument  delivered as provided in the preceding sentence.  In connection with
the appointment of a successor trustee pursuant to the preceding  sentence,  the
Company  shall,  on or  before  the date on which any such  appointment  becomes
effective,  obtain  from  each  Rating  Agency  written  confirmation  that  the
appointment  of any such  successor  trustee will not result in the reduction of
the  ratings  on any  class of the  Certificates  below  the  lesser of the then
current or original ratings on such Certificates.

(c) The Holders of  Certificates  entitled to at least 51% of the Voting  Rights
may at any time remove the  Trustee  and appoint a successor  trustee by written
instrument  or  instruments,  in  triplicate,  signed by such  Holders  or their
attorneys-in-fact  duly authorized,  one complete set of which instruments shall
be delivered to the Company,  one complete set to the Trustee so removed and one
complete set to the successor so appointed.

(d) Any  resignation  or removal of the Trustee and  appointment  of a successor
trustee pursuant to any of the provisions of this Section shall become effective
upon  acceptance of appointment by the successor  trustee as provided in Section
8.08.

Section 8.08.  Successor Trustee.
               -----------------

(a) Any successor  trustee  appointed as provided in Section 8.07 shall execute,
acknowledge  and  deliver  to the  Company  and to its  predecessor  trustee  an
instrument accepting such appointment  hereunder,  and thereupon the resignation
or removal of the predecessor  trustee shall become effective and such successor
trustee shall become effective and such successor  trustee,  without any further
act, deed or conveyance,  shall become fully vested with all the rights, powers,

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<PAGE>

duties and obligations of its predecessor hereunder,  with the like effect as if
originally named as trustee herein. The predecessor trustee shall deliver to the
successor  trustee all Mortgage Files and related  documents and statements held
by it hereunder  (other than any Mortgage Files at the time held by a Custodian,
which  shall  become  the agent of any  successor  trustee  hereunder),  and the
Company,  the Master  Servicer and the  predecessor  trustee  shall  execute and
deliver such  instruments and do such other things as may reasonably be required
for more fully and certainly vesting and confirming in the successor trustee all
such rights, powers, duties and obligations.

(b) No successor  trustee shall accept  appointment  as provided in this Section
unless at the time of such acceptance  such successor  trustee shall be eligible
under the provisions of Section 8.06.

(c) Upon  acceptance of appointment  by a successor  trustee as provided in this
Section,  the  Company  shall  mail  notice of the  succession  of such  trustee
hereunder  to all Holders of  Certificates  at their  addresses  as shown in the
Certificate  Register.  If the Company  fails to mail such notice within 10 days
after acceptance of appointment by the successor trustee,  the successor trustee
shall cause such notice to be mailed at the expense of the Company.

Section 8.09.  Merger or Consolidation of Trustee.
               ----------------------------------

        Any corporation or national  banking  association into which the Trustee
may be  merged  or  converted  or  with  which  it may  be  consolidated  or any
corporation  or  national  banking   association   resulting  from  any  merger,
conversion  or  consolidation  to which  the  Trustee  shall be a party,  or any
corporation or national  banking  association  succeeding to the business of the
Trustee,  shall  be  the  successor  of the  Trustee  hereunder,  provided  such
corporation  or  national  banking  association  shall  be  eligible  under  the
provisions of Section 8.06,  without the execution or filing of any paper or any
further act on the part of any of the  parties  hereto,  anything  herein to the
contrary  notwithstanding.  The Trustee  shall mail notice of any such merger or
consolidation  to the  Certificateholders  at  their  address  as  shown  in the
Certificate Register.

Section 8.10.  Appointment of Co-Trustee or Separate Trustee.
               ---------------------------------------------

(a) Notwithstanding any other provisions hereof, at any time, for the purpose of
meeting  any legal  requirements  of any  jurisdiction  in which any part of the
Trust Fund or property securing the same may at the time be located,  the Master
Servicer and the Trustee  acting  jointly shall have the power and shall execute
and  deliver all  instruments  to appoint  one or more  Persons  approved by the
Trustee to act as  co-trustee  or  co-trustees,  jointly  with the  Trustee,  or
separate trustee or separate trustees, of all or any part of the Trust Fund, and
to vest in such Person or  Persons,  in such  capacity,  such title to the Trust
Fund, or any part thereof,  and, subject to the other provisions of this Section
8.10, such powers, duties, obligations, rights and trusts as the Master Servicer
and the Trustee may consider  necessary  or  desirable.  If the Master  Servicer
shall not have joined in such appointment within 15 days after the receipt by it
of a request so to do, or in case an Event of Default shall have occurred and be
continuing, the Trustee alone shall have the power to make such appointment.  No
co-trustee or separate trustee  hereunder shall be required to meet the terms of
eligibility as a successor trustee under Section 8.06 hereunder and no notice to
Holders  of  Certificates  of  the  appointment  of  co-trustee(s)  or  separate
trustee(s) shall be required under Section 8.08 hereof.

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<PAGE>

(b) In the case of any appointment of a co-trustee or separate  trustee pursuant
to this Section 8.10 all rights,  powers,  duties and  obligations  conferred or
imposed upon the Trustee  shall be  conferred  or imposed upon and  exercised or
performed by the  Trustee,  and such  separate  trustee or  co-trustee  jointly,
except  to the  extent  that  under  any law of any  jurisdiction  in which  any
particular act or acts are to be performed  (whether as Trustee  hereunder or as
successor to the Master Servicer hereunder), the Trustee shall be incompetent or
unqualified  to perform such act or acts,  in which event such  rights,  powers,
duties and obligations  (including the holding of title to the Trust Fund or any
portion  thereof in any such  jurisdiction)  shall be exercised and performed by
such separate trustee or co-trustee at the direction of the Trustee.

(c) Any notice, request or other writing given to the Trustee shall be deemed to
have  been  given to each of the then  separate  trustees  and  co-trustees,  as
effectively  as if  given  to each of  them.  Every  instrument  appointing  any
separate  trustee or co-trustee shall refer to this Agreement and the conditions
of this Article VIII. Each separate trustee and co-trustee,  upon its acceptance
of the trusts conferred,  shall be vested with the estates or property specified
in its instrument of appointment, either jointly with the Trustee or separately,
as may be provided  therein,  subject to all the  provisions of this  Agreement,
specifically including every provision of this Agreement relating to the conduct
of, affecting the liability of, or affording  protection to, the Trustee.  Every
such instrument shall be filed with the Trustee.

(d) Any separate trustee or co-trustee may, at any time, constitute the Trustee,
its agent or attorney-in-fact,  with full power and authority, to the extent not
prohibited by law, to do any lawful act under or in respect of this Agreement on
its behalf and in its name.  If any separate  trustee or  co-trustee  shall die,
become  incapable  of  acting,  resign  or  be  removed,  all  of  its  estates,
properties,  rights,  remedies  and trusts shall vest in and be exercised by the
Trustee,  to the extent  permitted by law,  without the  appointment of a new or
successor trustee.

Section 8.11.  Appointment of Custodians.
               -------------------------

        The  Trustee  may,  with the  consent  of the  Master  Servicer  and the
Company,  appoint one or more  Custodians who are not Affiliates of the Company,
the Master Servicer or any Seller to hold all or a portion of the Mortgage Files
as agent for the Trustee,  by entering  into a Custodial  Agreement.  Subject to
Article  VIII,  the Trustee  agrees to comply  with the terms of each  Custodial
Agreement and to enforce the terms and provisions  thereof against the Custodian
for the benefit of the Certificateholders.  Each Custodian shall be a depository
institution  subject to supervision by federal or state authority,  shall have a
combined  capital and surplus of at least  $15,000,000 and shall be qualified to
do  business  in the  jurisdiction  in which it holds any  Mortgage  File.  Each
Custodial  Agreement  may be amended  only as  provided  in Section  11.01.  The
Trustee shall notify the  Certificateholders of the appointment of any Custodian
(other than the  Custodian  appointed as of the Closing  Date)  pursuant to this
Section 8.11.

Section 8.12.  Appointment of Office or Agency.
               -------------------------------

        The Trustee will maintain an office or agency in the City of New York at
the  address  designated  in  Section  11.05  of  the  Series  Supplement  where

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<PAGE>

Certificates  may be surrendered for  registration of transfer or exchange.  The
Trustee will  maintain an office at the address  stated in Section  11.05 of the
Series Supplement where notices and demands to or upon the Trustee in respect of
this Agreement may be served.

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<PAGE>

                                   ARTICLE IX

              TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES

Section 9.01.  Optional  Purchase by the Master  Servicer  of All  Certificates;
     Termination  Upon  Purchase by the Master  Servicer or  Liquidation  of All
     Mortgage Loans

(a) Subject to Section 9.02, the respective  obligations and responsibilities of
the Company,  the Master  Servicer and the Trustee  created hereby in respect of
the  Certificates  (other than the  obligation  of the  Trustee to make  certain
payments  after  the  Final  Distribution  Date  to  Certificateholders  and the
obligation  of the Company to send  certain  notices as  hereinafter  set forth)
shall  terminate upon the last action required to be taken by the Trustee on the
Final Distribution Date pursuant to this Article IX following the earlier of:

(i)  the later of the final  payment or other  liquidation  (or any Advance with
     respect  thereto) of the last Mortgage Loan  remaining in the Trust Fund or
     the disposition of all property  acquired upon  foreclosure or deed in lieu
     of foreclosure of any Mortgage Loan, or

(ii) the purchase by the Master  Servicer of all Mortgage Loans and all property
     acquired in respect of any Mortgage  Loan  remaining in the Trust Fund at a
     price equal to 100% of the unpaid  principal  balance of each Mortgage Loan
     or, if less than such unpaid  principal  balance,  the fair market value of
     the related  underlying  property  of such  Mortgage  Loan with  respect to
     Mortgage  Loans as to which  title has been  acquired  if such fair  market
     value is less than such unpaid  principal  balance (net of any unreimbursed
     Advances  attributable  to principal) on the day of repurchase plus accrued
     interest thereon at the Net Mortgage Rate (or Modified Net Mortgage Rate in
     the case of any Modified  Mortgage Loan) to, but not  including,  the first
     day of the month in which such repurchase  price is distributed,  provided,
     however,  that in no event shall the trust created hereby  continue  beyond
     the  expiration  of 21 years  from the  death of the last  survivor  of the
     descendants of Joseph P. Kennedy,  the late ambassador of the United States
     to the Court of St. James,  living on the date hereof and provided  further
     that the purchase price set forth above shall be increased as is necessary,
     as  determined by the Master  Servicer,  to avoid  disqualification  of any
     portion of any REMIC formed under the Series Supplement as a REMIC.

        The right of the Master Servicer to purchase all the assets of the Trust
Fund pursuant to clause (ii) above is conditioned upon the Pool Stated Principal
Balance  as  of  the  Final   Distribution  Date,  prior  to  giving  effect  to
distributions to be made on such Distribution  Date, being less than ten percent
of the Cut-off Date Principal Balance of the Mortgage Loans.

        If such right is exercised by the Master  Servicer,  the Master Servicer
shall be deemed to have been reimbursed for the full amount of any  unreimbursed
Advances theretofore made by it with respect to the Mortgage Loans. In addition,
the Master Servicer shall provide to the Trustee the  certification  required by
Section 3.15 and the Trustee and any Custodian shall, promptly following payment
of the  purchase  price,  release  to the Master  Servicer  the  Mortgage  Files
pertaining to the Mortgage Loans being purchased.

                                       96
<PAGE>

        In addition to the foregoing, on any Distribution Date on which the Pool
Stated Principal Balance,  prior to giving effect to distributions to be made on
such  Distribution  Date, is less than ten percent of the Cut-off Date Principal
Balance of the Mortgage Loans,  the Master Servicer shall have the right, at its
option, to purchase the Certificates in whole, but not in part, at a price equal
to the outstanding  Certificate  Principal Balance of such Certificates plus the
sum of Accrued  Certificate  Interest  thereon for the related  Interest Accrual
Period and any previously  unpaid Accrued  Certificate  Interest.  If the Master
Servicer  exercises  this right to purchase the  outstanding  Certificates,  the
Master  Servicer  will  promptly   terminate  the  respective   obligations  and
responsibilities  created hereby in respect of the Certificates pursuant to this
Article IX.

(b) The Master  Servicer  shall give the  Trustee  not less than 60 days'  prior
notice of the  Distribution  Date on which the Master Servicer  anticipates that
the final distribution will be made to  Certificateholders  (whether as a result
of the  exercise by the Master  Servicer of its right to purchase  the assets of
the Trust Fund or otherwise) or on which the Master  Servicer  anticipates  that
the  Certificates  will be purchased  (as a result of the exercise by the Master
Servicer to purchase the  outstanding  Certificates).  Notice of any termination
specifying the anticipated  Final  Distribution Date (which shall be a date that
would otherwise be a Distribution  Date) upon which the  Certificateholders  may
surrender their Certificates to the Trustee (if so required by the terms hereof)
for payment of the final distribution and cancellation or notice of any purchase
of the outstanding Certificates, specifying the Distribution Date upon which the
Holders may surrender their  Certificates  to the Trustee for payment,  shall be
given promptly by the Master Servicer (if it is exercising its right to purchase
the assets of the Trust Fund or to purchase the outstanding Certificates), or by
the Trustee (in any other case) by letter to the  Certificateholders  mailed not
earlier  than the 15th day and not  later  than the 25th day of the  month  next
preceding the month of such final distribution specifying:

(i)     the anticipated Final  Distribution Date upon which final payment of the
        Certificates is anticipated to be made upon  presentation  and surrender
        of  Certificates  at  the  office  or  agency  of  the  Trustee  therein
        designated where required  pursuant to this Agreement or, in the case of
        the purchase by the Master Servicer of the outstanding Certificates, the
        Distribution Date on which such purchase is to be made,

(ii)    the amount of any such final payment,  or in the case of the purchase of
        the  outstanding  Certificates,  the purchase  price, in either case, if
        known, and

(iii)   that the Record Date otherwise  applicable to such  Distribution Date is
        not applicable,  and in the case of the Senior  Certificates,  or in the
        case of all of the  Certificates  in connection with the exercise by the
        Master Servicer of its right to purchase the Certificates,  that payment
        will be made only upon presentation and surrender of the Certificates at
        the office or agency of the Trustee therein specified.

If the Master  Servicer is  obligated  to give notice to  Certificateholders  as
aforesaid,  it shall give such notice to the  Certificate  Registrar at the time
such  notice is given to  Certificateholders  and,  if the  Master  Servicer  is
exercising its rights to purchase the  outstanding  Certificates,  it shall give
such  notice  to each  Rating  Agency  at the  time  such  notice  is  given  to

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Certificateholders.  As a result of the  exercise by the Master  Servicer of its
right to  purchase  the  assets of the Trust  Fund,  the Master  Servicer  shall
deposit  in the  Certificate  Account,  before  the Final  Distribution  Date in
immediately available funds an amount equal to the purchase price for the assets
of the Trust Fund,  computed as provided  above.  As a result of the exercise by
the Master Servicer of its right to purchase the outstanding  Certificates,  the
Master Servicer shall deposit in an Eligible Account,  established by the Master
Servicer on behalf of the Trustee and separate from the  Certificate  Account in
the name of the Trustee in trust for the registered holders of the Certificates,
before the  Distribution  Date on which such purchase is to occur in immediately
available  funds an amount  equal to the  purchase  price for the  Certificates,
computed as above  provided,  and provide notice of such deposit to the Trustee.
The Trustee will withdraw  from such account the amount  specified in subsection
(c) below.

(c) In the case of the Senior  Certificates,  upon presentation and surrender of
the Certificates by the Certificateholders thereof, and in the case of the Class
M and Class B Certificates,  upon presentation and surrender of the Certificates
by the Certificateholders  thereof in connection with the exercise by the Master
Servicer of its right to purchase the Certificates,  and otherwise in accordance
with Section 4.01(a), the Trustee shall distribute to the Certificateholders (i)
the  amount  otherwise  distributable  on  such  Distribution  Date,  if  not in
connection with the Master  Servicer's  election to repurchase the assets of the
Trust  Fund or the  outstanding  Certificates,  or (ii) if the  Master  Servicer
elected  to so  repurchase  the  assets  of the  Trust  Fund or the  outstanding
Certificates,  an  amount  determined  as  follows:  (A)  with  respect  to each
Certificate the outstanding  Certificate Principal Balance thereof, plus Accrued
Certificate  Interest for the related  Interest  Accrual  Period thereon and any
previously  unpaid  Accrued  Certificate  Interest,  subject to the priority set
forth in Section 4.02(a), and (B) with respect to the Class R Certificates,  any
excess of the amounts available for distribution (including the repurchase price
specified  in clause  (ii) of  subsection  (a) of this  Section)  over the total
amount distributed under the immediately  preceding clause (A).  Notwithstanding
the reduction of the Certificate  Principal  Balance of any Class of Subordinate
Certificates  to zero,  such  Class  will be  outstanding  hereunder  until  the
termination of the respective  obligations and  responsibilities of the Company,
the Master Servicer and the Trustee hereunder in accordance with Article IX.

(d) If any  Certificateholders  shall not surrender their Certificates for final
payment  and  cancellation  on or  before  the  Final  Distribution  Date (if so
required by the terms hereof), the Trustee shall on such date cause all funds in
the   Certificate   Account   not   distributed   in   final   distribution   to
Certificateholders  to be  withdrawn  therefrom  and  credited to the  remaining
Certificateholders by depositing such funds in a separate escrow account for the
benefit of such Certificateholders, and the Master Servicer (if it exercised its
right to purchase  the assets of the Trust  Fund),  or the Trustee (in any other
case) shall give a second written notice to the remaining  Certificateholders to
surrender their Certificates for cancellation and receive the final distribution
with  respect  thereto.  If within  six  months  after  the  second  notice  any
Certificate shall not have been surrendered for cancellation,  the Trustee shall
take  appropriate  steps as  directed  by the Master  Servicer  to  contact  the
remaining  Certificateholders  concerning  surrender of their Certificates.  The
costs  and  expenses  of  maintaining  the  escrow  account  and  of  contacting
Certificateholders  shall be paid out of the assets  which  remain in the escrow
account.  If within nine months after the second notice any  Certificates  shall

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<PAGE>

not have been surrendered for cancellation,  the Trustee shall pay to the Master
Servicer  all  amounts  distributable  to the  holders  thereof  and the  Master
Servicer shall  thereafter hold such amounts until  distributed to such Holders.
No interest  shall accrue or be payable to any  Certificateholder  on any amount
held in the  escrow  account  or by the  Master  Servicer  as a  result  of such
Certificateholder's  failure to surrender its  Certificate(s)  for final payment
thereof in accordance with this Section 9.01.

(e) If any  Certificateholders  do not surrender their Certificates on or before
the Distribution Date on which a purchase of the outstanding  Certificates is to
be made,  the  Trustee  shall on such date  cause  all funds in the  Certificate
Account  deposited therein by the Master Servicer pursuant to Section 9.01(b) to
be  withdrawn  therefrom  and  deposited  in a separate  escrow  account for the
benefit of such Certificateholders,  and the Master Servicer shall give a second
written notice to such  Certificateholders  to surrender their  Certificates for
payment of the purchase  price  therefor.  If within six months after the second
notice any Certificate  shall not have been  surrendered for  cancellation,  the
Trustee  shall take  appropriate  steps as  directed  by the Master  Servicer to
contact  the  Holders  of  such  Certificates   concerning  surrender  of  their
Certificates.  The costs and expenses of  maintaining  the escrow account and of
contacting  Certificateholders  shall be paid out of the assets  which remain in
the  escrow  account.  If  within  nine  months  after  the  second  notice  any
Certificates shall not have been surrendered for cancellation in accordance with
this  Section  9.01,  the Trustee  shall pay to the Master  Servicer all amounts
distributable  to the Holders thereof and the Master  Servicer shall  thereafter
hold such amounts until distributed to such Holders. No interest shall accrue or
be payable to any  Certificateholder on any amount held in the escrow account or
by the  Master  Servicer  as a result  of such  Certificateholder's  failure  to
surrender its  Certificate(s)  for payment in accordance with this Section 9.01.
Any  Certificate  that is not  surrendered on the  Distribution  Date on which a
purchase  pursuant to this Section 9.01 occurs as provided  above will be deemed
to have been  purchased  and the Holder as of such date will have no rights with
respect  thereto  except to receive the purchase  price therefor minus any costs
and expenses  associated with such escrow account and notices allocated thereto.
Any  Certificates  so  purchased  or  deemed  to  have  been  purchased  on such
Distribution Date shall remain  outstanding  hereunder until the Master Servicer
has terminated the respective obligations and responsibilities created hereby in
respect of the  Certificates  pursuant to this  Article IX. The Master  Servicer
shall be for all purposes the Holder thereof as of such date.

Section 9.02.  Additional Termination Requirements.
               -----------------------------------

(a) Each REMIC that  comprises  the Trust Fund shall be terminated in accordance
with the following additional requirements, unless (subject to Section 10.01(f))
the Trustee and the Master  Servicer have received an Opinion of Counsel  (which
Opinion of Counsel  shall not be an expense of the  Trustee)  to the effect that
the failure of each such REMIC to comply with the  requirements  of this Section
9.02 will not (i) result in the  imposition on the Trust of taxes on "prohibited
transactions,"  as described in Section 860F of the Code, or (ii) cause any such
REMIC  to fail to  qualify  as a REMIC  at any  time  that  any  Certificate  is
outstanding:

(i)     The Master Servicer shall establish a 90-day liquidation period for each
        such  REMIC and  specify  the first  day of such  period in a  statement
        attached  to the Trust  Fund's  final Tax Return  pursuant  to  Treasury
        regulations Section 1.860F-1. The Master Servicer also shall satisfy all
        of the requirements of a qualified liquidation for a REMIC under Section
        860F of the Code and regulations thereunder;

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<PAGE>

(ii)    The Master Servicer shall notify the Trustee at the commencement of such
        90-day  liquidation period and, at or prior to the time of making of the
        final payment on the  Certificates,  the Trustee shall sell or otherwise
        dispose of all of the  remaining  assets of the Trust Fund in accordance
        with the terms hereof; and

(iii)   If the  Master  Servicer  or the  Company  is  exercising  its  right to
        purchase the assets of the Trust Fund, the Master Servicer shall, during
        the 90-day  liquidation period and at or prior to the Final Distribution
        Date, purchase all of the assets of the Trust Fund for cash.

(b) Each Holder of a Certificate and the Trustee hereby irrevocably approves and
appoints the Master Servicer as its attorney-in-fact to adopt a plan of complete
liquidation  for each REMIC at the expense of the Trust Fund in accordance  with
the terms and conditions of this Agreement.

Section 9.03.  Termination of Multiple REMICs.
               -------------------------------

        If the REMIC  Administrator  makes two or more separate REMIC elections,
the  applicable   REMIC  shall  be  terminated  on  the  earlier  of  the  Final
Distribution  Date and the date on which it is deemed to receive the last deemed
distributions on the related Uncertificated REMIC Regular Interests and the last
distribution due on the Certificates is made.

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<PAGE>

                                   ARTICLE X

                                REMIC PROVISIONS

Section 10.01. REMIC Administration.

(a) The REMIC  Administrator  shall make an  election to treat the Trust Fund as
one or more REMICs under the Code and, if necessary, under applicable state law.
The assets of each such REMIC will be set forth in the Series  Supplement.  Such
election  will be  made  on  Form  1066  or  other  appropriate  federal  tax or
information return (including Form 8811) or any appropriate state return for the
taxable  year  ending  on the  last  day of  the  calendar  year  in  which  the
Certificates  are issued.  For the purposes of each REMIC election in respect of
the Trust Fund,  Certificates  and  interests to be  designated  as the "regular
interests"  and the sole class of "residual  interests" in the REMIC will be set
forth in Section 10.03 of the Series Supplement. The REMIC Administrator and the
Trustee shall not permit the creation of any "interests"  (within the meaning of
Section  860G of the Code) in any REMIC  elected  in  respect  of the Trust Fund
other than the "regular interests" and "residual interests" so designated.

(b) The Closing Date is hereby designated as the "startup day" of the Trust Fund
within the meaning of Section 860G(a)(9) of the Code.

(c) The REMIC  Administrator  shall hold a Class R  Certificate  representing  a
0.01%  Percentage  Interest each Class of the Class R Certificates  and shall be
designated as "the tax matters  person" with respect to each REMIC in the manner
provided under Treasury regulations section 1.860F-4(d) and Treasury regulations
section 301.6231(a)(7)-1.  The REMIC Administrator, as tax matters person, shall
(i) act on behalf of each REMIC in  relation  to any tax  matter or  controversy
involving the Trust Fund and (ii) represent the Trust Fund in any administrative
or judicial  proceeding  relating to an examination or audit by any governmental
taxing authority with respect  thereto.  The legal expenses,  including  without
limitation attorneys' or accountants' fees, and costs of any such proceeding and
any liability  resulting  therefrom  shall be expenses of the Trust Fund and the
REMIC Administrator  shall be entitled to reimbursement  therefor out of amounts
attributable  to the  Mortgage  Loans on  deposit  in the  Custodial  Account as
provided by Section  3.10 unless such legal  expenses  and costs are incurred by
reason  of the REMIC  Administrator's  willful  misfeasance,  bad faith or gross
negligence.  If  the  REMIC  Administrator  is no  longer  the  Master  Servicer
hereunder,  at its option the REMIC  Administrator  may  continue  its duties as
REMIC  Administrator  and shall be paid  reasonable  compensation  not to exceed
$3,000 per year by any successor Master Servicer  hereunder for so acting as the
REMIC Administrator.

(d) The REMIC Administrator shall prepare or cause to be prepared all of the Tax
Returns  that it  determines  are required  with  respect to each REMIC  created
hereunder and deliver such Tax Returns in a timely manner to the Trustee and the
Trustee shall sign and file such Tax Returns in a timely manner. The expenses of
preparing  such returns  shall be borne by the REMIC  Administrator  without any
right of reimbursement therefor. The REMIC Administrator agrees to indemnify and
hold harmless the Trustee with respect to any tax or liability  arising from the
Trustee's  signing of Tax Returns that contain errors or omissions.  The Trustee
and Master  Servicer shall promptly  provide the REMIC  Administrator  with such
information  as the REMIC  Administrator  may from time to time  request for the
purpose of enabling the REMIC Administrator to prepare Tax Returns.

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<PAGE>

(e) The REMIC  Administrator  shall  provide (i) to any  Transferor of a Class R
Certificate  such  information  as is necessary for the  application  of any tax
relating  to the  transfer of a Class R  Certificate  to any Person who is not a
Permitted Transferee,  (ii) to the Trustee, and the Trustee shall forward to the
Certificateholders,  such  information or reports as are required by the Code or
the REMIC  Provisions  including  reports  relating to interest,  original issue
discount and market  discount or premium (using the Prepayment  Assumption)  and
(iii) to the Internal  Revenue  Service the name,  title,  address and telephone
number of the person who will serve as the representative of each REMIC.

(f) The Master Servicer and the REMIC  Administrator shall take such actions and
shall cause each REMIC created  hereunder to take such actions as are reasonably
within the Master Servicer's or the REMIC Administrator's  control and the scope
of its  duties  more  specifically  set forth  herein as shall be  necessary  or
desirable  to  maintain  the  status  of each  REMIC as a REMIC  under the REMIC
Provisions  (and the  Trustee  shall  assist the Master  Servicer  and the REMIC
Administrator, to the extent reasonably requested by the Master Servicer and the
REMIC  Administrator to do so). The Master Servicer and the REMIC  Administrator
shall not knowingly or  intentionally  take any action,  cause the Trust Fund to
take any  action  or fail to take (or fail to  cause  to be  taken)  any  action
reasonably within their respective control that, under the REMIC Provisions,  if
taken or not taken,  as the case may be,  could (i)  endanger  the status of any
portion  of any REMIC  formed  under the  Series  Supplement  as a REMIC or (ii)
result in the imposition of a tax upon any such REMIC (including but not limited
to the tax on prohibited  transactions  as defined in Section  860F(a)(2) of the
Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the
Code)  (either  such  event,  in the  absence  of an  Opinion  of Counsel or the
indemnification  referred to in this sentence,  an "Adverse REMIC Event") unless
the Master Servicer or the REMIC Administrator,  as applicable,  has received an
Opinion of Counsel (at the expense of the party  seeking to take such action or,
if such party fails to pay such  expense,  and the Master  Servicer or the REMIC
Administrator, as applicable,  determines that taking such action is in the best
interest  of the Trust Fund and the  Certificateholders,  at the  expense of the
Trust  Fund,  but in no event at the expense of the Master  Servicer,  the REMIC
Administrator  or the Trustee) to the effect that the  contemplated  action will
not,  with respect to each REMIC  created  hereunder,  endanger  such status or,
unless the Master  Servicer,  the REMIC  Administrator  or both, as  applicable,
determine in its or their sole  discretion  to indemnify  the Trust Fund against
the imposition of such a tax,  result in the imposition of such a tax.  Wherever
in this Agreement a  contemplated  action may not be taken because the timing of
such action might result in the  imposition  of a tax on the Trust Fund,  or may
only be taken  pursuant  to an  Opinion of Counsel  that such  action  would not
impose a tax on the Trust Fund,  such action may  nonetheless  be taken provided
that the  indemnity  given in the  preceding  sentence with respect to any taxes
that  might be  imposed  on the  Trust  Fund has been  given  and that all other
preconditions  to the taking of such  action  have been  satisfied.  The Trustee
shall not take or fail to take any action (whether or not authorized  hereunder)
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that it has  received an Opinion of Counsel to the effect
that an Adverse  REMIC  Event  could  occur  with  respect  to such  action.  In
addition, prior to taking any action with respect to any REMIC created hereunder
or any  related  assets  thereof,  or causing any such REMIC to take any action,
which is not expressly permitted under the terms of this Agreement,  the Trustee

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<PAGE>

will consult with the Master Servicer or the REMIC Administrator, as applicable,
or its designee,  in writing, with respect to whether such action could cause an
Adverse  REMIC Event to occur with  respect to any such  REMIC,  and the Trustee
shall not take any such  action or cause any such REMIC to take any such  action
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that an  Adverse  REMIC  Event  could  occur.  The Master
Servicer or the REMIC Administrator,  as applicable, may consult with counsel to
make  such  written  advice,  and the cost of same  shall be borne by the  party
seeking to take the action not expressly permitted by this Agreement,  but in no
event at the expense of the Master Servicer or the REMIC  Administrator.  At all
times as may be required  by the Code,  the Master  Servicer  will to the extent
within its  control  and the scope of its  duties  more  specifically  set forth
herein, maintain substantially all of the assets of each REMIC created hereunder
as  "qualified  mortgages"  as  defined in  Section  860G(a)(3)  of the Code and
"permitted investments" as defined in Section 860G(a)(5) of the Code.

(g) In the event  that any tax is imposed on  "prohibited  transactions"  of any
REMIC  created  hereunder as defined in Section  860F(a)(2) of the Code, on "net
income  from  foreclosure  property"  of any such  REMIC as  defined  in Section
860G(c) of the Code,  on any  contributions  to any such REMIC after the Startup
Day  therefor  pursuant  to  Section  860G(d)  of the Code,  or any other tax is
imposed  by the Code or any  applicable  provisions  of state or local tax laws,
such tax shall be charged (i) to the Master Servicer,  if such tax arises out of
or results from a breach by the Master Servicer of any of its obligations  under
this Agreement or the Master Servicer has in its sole  discretion  determined to
indemnify  the Trust Fund  against such tax,  (ii) to the  Trustee,  if such tax
arises out of or results from a breach by the Trustee of any of its  obligations
under  this  Article  X, or (iii)  otherwise  against  amounts on deposit in the
Custodial  Account as provided by Section 3.10 and on the  Distribution  Date(s)
following such  reimbursement  the aggregate of such taxes shall be allocated in
reduction of the Accrued Certificate  Interest on each Class entitled thereto in
the same manner as if such taxes constituted a Prepayment Interest Shortfall.

(h) The Trustee and the Master Servicer shall,  for federal income tax purposes,
maintain  books and records  with respect to each REMIC  created  hereunder on a
calendar  year and on an accrual  basis or as  otherwise  may be required by the
REMIC Provisions.

(i) Following the Startup Day, neither the Master Servicer nor the Trustee shall
accept  any  contributions  of  assets  to any REMIC  created  hereunder  unless
(subject to Section  10.01(f))  the Master  Servicer and the Trustee  shall have
received an Opinion of Counsel (at the expense of the party seeking to make such
contribution) to the effect that the inclusion of such assets in such REMIC will
not  cause  the  REMIC  to fail to  qualify  as a REMIC  at any  time  that  any
Certificates  are  outstanding  or subject  the REMIC to any tax under the REMIC
Provisions or other  applicable  provisions  of federal,  state and local law or
ordinances.

(j)  Neither  the Master  Servicer  nor the  Trustee  shall  (subject to Section
10.01(f)) enter into any  arrangement by which any REMIC created  hereunder will
receive a fee or other  compensation  for  services nor permit any such REMIC to
receive any income from assets other than  "qualified  mortgages"  as defined in
Section 860G(a)(3) of the Code or "permitted  investments" as defined in Section
860G(a)(5) of the Code.

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<PAGE>

(k)  Solely for the  purposes  of Section  1.860G-1(a)(4)(iii)  of the  Treasury
Regulations,  the  "latest  possible  maturity  date" by which  the  Certificate
Principal  Balance of each Class of  Certificates  (other than the Interest Only
Certificates)  representing a regular  interest in the applicable  REMIC and the
Uncertificated  Principal Balance of each Uncertificated  REMIC Regular Interest
(other than each  Uncertificated  REMIC Regular Interest  represented by a Class
A-V  Certificate,  if any) and the rights to the Interest Only  Certificates and
Uncertificated  REMIC Regular  Interest  represented by a Class A-V  Certificate
would be  reduced to zero is the  Maturity  Date for each such  Certificate  and
Interest.

(l) Within 30 days after the Closing Date, the REMIC Administrator shall prepare
and file with the Internal  Revenue Service Form 8811,  "Information  Return for
Real Estate Mortgage  Investment  Conduits (REMIC) and Issuers of Collateralized
Debt Obligations" for each REMIC created hereunder.

(m)  Neither  the Trustee  nor the Master  Servicer  shall  sell,  dispose of or
substitute  for any of the Mortgage  Loans  (except in  connection  with (i) the
default,  imminent default or foreclosure of a Mortgage Loan,  including but not
limited to, the acquisition or sale of a Mortgaged  Property acquired by deed in
lieu of foreclosure,  (ii) the bankruptcy of any REMIC created hereunder,  (iii)
the  termination  of any such REMIC  pursuant to Article IX of this Agreement or
(iv) a  purchase  of  Mortgage  Loans  pursuant  to  Article  II or III of  this
Agreement) nor acquire any assets for any such REMIC, nor sell or dispose of any
investments  in the Custodial  Account or the  Certificate  Account for gain nor
accept any  contributions to any such REMIC after the Closing Date unless it has
received  an Opinion of Counsel  that such sale,  disposition,  substitution  or
acquisition will not (a) affect adversely the status of such REMIC as a REMIC or
(b)  unless  the  Master  Servicer  has  determined  in its sole  discretion  to
indemnify  the Trust Fund against such tax,  cause such REMIC to be subject to a
tax on  "prohibited  transactions"  or  "contributions"  pursuant  to the  REMIC
Provisions.

Section 10.02. Master Servicer, REMIC Administrator and Trustee Indemnification.
               -----------------------------------------------------------------

(a) The Trustee  agrees to  indemnify  the Trust Fund,  the  Company,  the REMIC
Administrator and the Master Servicer for any taxes and costs including, without
limitation,  any  reasonable  attorneys fees imposed on or incurred by the Trust
Fund,  the  Company  or the  Master  Servicer,  as a result  of a breach  of the
Trustee's covenants set forth in Article VIII or this Article X.

(b) The REMIC Administrator agrees to indemnify the Trust Fund, the Company, the
Master  Servicer  and the  Trustee for any taxes and costs  (including,  without
limitation,  any reasonable attorneys' fees) imposed on or incurred by the Trust
Fund, the Company,  the Master Servicer or the Trustee,  as a result of a breach
of the REMIC Administrator's  covenants set forth in this Article X with respect
to compliance  with the REMIC  Provisions,  including  without  limitation,  any
penalties  arising from the Trustee's  execution of Tax Returns  prepared by the
REMIC Administrator that contain errors or omissions;  provided,  however,  that
such  liability  will not be imposed to the extent such breach is a result of an
error or omission in  information  provided  to the REMIC  Administrator  by the
Master Servicer in which case Section 10.02(c) will apply.

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<PAGE>

(c) The Master  Servicer  agrees to indemnify the Trust Fund,  the Company,  the
REMIC Administrator and the Trustee for any taxes and costs (including,  without
limitation,  any reasonable attorneys' fees) imposed on or incurred by the Trust
Fund,  the Company,  the REMIC  Administrator  or the Trustee,  as a result of a
breach of the  Master  Servicer's  covenants  set forth in this  Article X or in
Article III with  respect to  compliance  with the REMIC  Provisions,  including
without  limitation,  any penalties arising from the Trustee's  execution of Tax
Returns prepared by the Master Servicer that contain errors or omissions.

Section 10.03. Designation of REMIC(s).
               ------------------------

        As provided in Section 10.03 of the Series Supplement.

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<PAGE>

                                   ARTICLE XI
                            MISCELLANEOUS PROVISIONS

Section 11.01. Amendment.

(a) This  Agreement or any Custodial  Agreement may be amended from time to time
by the Company, the Master Servicer and the Trustee,  without the consent of any
of the Certificateholders:

(i)     to cure any ambiguity,

(ii)    to correct or supplement any provisions herein or therein,  which may be
        inconsistent  with any other provisions  herein or therein or to correct
        any error,

(iii)to modify,  eliminate  or add to any of its  provisions  to such  extent as
     shall be necessary or desirable to maintain the  qualification of the Trust
     Fund as a REMIC at all times  that any  Certificate  is  outstanding  or to
     avoid or minimize the risk of the  imposition  of any tax on the Trust Fund
     pursuant to the Code that would be a claim against the Trust Fund, provided
     that the Trustee has  received an Opinion of Counsel to the effect that (A)
     such action is necessary or desirable to maintain such  qualification or to
     avoid or minimize the risk of the  imposition  of any such tax and (B) such
     action will not adversely  affect in any material  respect the interests of
     any Certificateholder,

(iv) to change the timing and/or  nature of deposits into the Custodial  Account
     or the  Certificate  Account or to change  the name in which the  Custodial
     Account is maintained,  provided that (A) the  Certificate  Account Deposit
     Date shall in no event be later than the  related  Distribution  Date,  (B)
     such change  shall not, as  evidenced  by an Opinion of Counsel,  adversely
     affect in any material respect the interests of any  Certificateholder  and
     (C) such change shall not result in a reduction  of the rating  assigned to
     any Class of Certificates below the lower of the then-current rating or the
     rating  assigned to such  Certificates as of the Closing Date, as evidenced
     by a letter from each Rating Agency to such effect,

(v)  to modify,  eliminate or add to the  provisions  of Section  5.02(f) or any
     other provision hereof restricting transfer of the Class R Certificates, by
     virtue of their being the "residual  interests"  in a REMIC,  provided that
     (A) such change shall not result in reduction of the rating assigned to any
     such Class of Certificates  below the lower of the  then-current  rating or
     the  rating  assigned  to such  Certificates  as of the  Closing  Date,  as
     evidenced by a letter from each Rating Agency to such effect,  and (B) such
     change shall not (subject to Section 10.01(f)),  as evidenced by an Opinion
     of Counsel (at the expense of the party seeking so to modify,  eliminate or
     add such  provisions),  cause any  REMIC  created  hereunder  or any of the
     Certificateholders  (other than the  transferor) to be subject to a federal
     tax caused by a transfer to a Person that is not a Permitted Transferee,

(vi) to make any other  provisions with respect to matters or questions  arising
     under  this  Agreement  or such  Custodial  Agreement  which  shall  not be
     materially  inconsistent  with the provisions of this  Agreement,  provided
     that such  action  shall  not,  as  evidenced  by an  Opinion  of  Counsel,
     adversely   affect  in  any   material   respect  the   interests   of  any
     Certificateholder or

                                      106
<PAGE>

(vii)to amend any  provision  herein or therein  that is not  material to any of
     the Certificateholders.

(b) This  Agreement or any Custodial  Agreement may also be amended from time to
time by the Company, the Master Servicer and the Trustee with the consent of the
Holders of  Certificates  evidencing  in the  aggregate not less than 66% of the
Percentage Interests of each Class of Certificates with a Certificate  Principal
Balance  greater  than zero  affected  thereby  for the  purpose  of adding  any
provisions to or changing in any manner or eliminating  any of the provisions of
this  Agreement  or such  Custodial  Agreement or of modifying in any manner the
rights of the Holders of Certificates of such Class; provided,  however, that no
such amendment shall:

(i)  reduce in any manner the amount of, or delay the timing of,  payments which
     are required to be  distributed on any  Certificate  without the consent of
     the Holder of such Certificate,

(ii)    reduce the aforesaid percentage of Certificates of any Class the Holders
        of which are required to consent to any such amendment, in any such case
        without  the consent of the  Holders of all  Certificates  of such Class
        then outstanding.

(c) Notwithstanding any contrary provision of this Agreement,  the Trustee shall
not  consent  to any  amendment  to this  Agreement  unless it shall  have first
received an Opinion of Counsel  (subject to Section  10.01(f) and at the expense
of the party seeking such  amendment)  to the effect that such  amendment or the
exercise of any power granted to the Master Servicer, the Company or the Trustee
in accordance with such amendment will not result in the imposition of a federal
tax on the Trust Fund or cause any REMIC created under the Series  Supplement to
fail to qualify as a REMIC at any time that any Certificate is outstanding.

(d) Promptly after the execution of any such amendment the Trustee shall furnish
written  notification  of the  substance of such  amendment to the Custodian and
each   Certificateholder.   It  shall  not  be  necessary  for  the  consent  of
Certificateholders  under this Section 11.01 to approve the  particular  form of
any proposed amendment, but it shall be sufficient if such consent shall approve
the substance  thereof.  The manner of obtaining such consents and of evidencing
the  authorization  of the  execution  thereof  by  Certificateholders  shall be
subject to such reasonable regulations as the Trustee may prescribe.

(e) The Company  shall have the option,  in its sole  discretion,  to obtain and
deliver to the Trustee any corporate guaranty,  payment obligation,  irrevocable
letter of credit,  surety  bond,  insurance  policy or similar  instrument  or a
reserve fund, or any combination of the foregoing, for the purpose of protecting
the Holders of the Class B  Certificates  against any or all Realized  Losses or
other  shortfalls.  Any such instrument or fund shall be held by the Trustee for
the benefit of the Class B Certificateholders, but shall not be and shall not be
deemed to be under any  circumstances  included in the Trust Fund. To the extent
that any such  instrument or fund  constitutes a reserve fund for federal income
tax purposes,  (i) any reserve fund so established  shall be an outside  reserve
fund and not an asset of the Trust  Fund,  (ii) any such  reserve  fund shall be

                                      107
<PAGE>

owned by the Company,  and (iii)  amounts  transferred  by the Trust Fund to any
such reserve fund shall be treated as amounts  distributed  by the Trust Fund to
the Company or any  successor,  all within the  meaning of Treasury  Regulations
Section  1.860G-2(h) as it reads as of the Cut-off Date. In connection  with the
provision of any such  instrument  or fund,  this  Agreement  and any  provision
hereof may be modified,  added to,  deleted or  otherwise  amended in any manner
that is related or incidental to such instrument or fund or the establishment or
administration thereof, such amendment to be made by written instrument executed
or consented to by the Company but without the consent of any  Certificateholder
and  without the consent of the Master  Servicer or the Trustee  being  required
unless  any such  amendment  would  impose  any  additional  obligation  on,  or
otherwise adversely affect the interests of the Senior  Certificateholders,  the
Class M  Certificateholders,  the Master Servicer or the Trustee, as applicable;
provided that the Company  obtains  (subject to Section  10.01(f)) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
any such amendment will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code and (b) any REMIC created
hereunder  to fail to  qualify  as a REMIC at any time that any  Certificate  is
outstanding.  In the event that the Company  elects to provide such  coverage in
the  form  of  a  limited  guaranty   provided  by  General  Motors   Acceptance
Corporation,  the  Company  may elect  that the text of such  amendment  to this
Agreement  shall be  substantially  in the form attached hereto as Exhibit K (in
which case  Residential  Funding's  Subordinate  Certificate  Loss Obligation as
described in such exhibit shall be established by Residential  Funding's consent
to such  amendment) and that the limited  guaranty shall be executed in the form
attached  hereto as Exhibit L, with such changes as the Company shall deem to be
appropriate;  it being understood that the Trustee has reviewed and approved the
content of such forms and that the  Trustee's  consent  or  approval  to the use
thereof is not required.

Section 11.02. Recordation of Agreement; Counterparts.
               ---------------------------------------

(a) To the extent  permitted by  applicable  law,  this  Agreement is subject to
recordation in all appropriate  public offices for real property  records in all
the  counties  or other  comparable  jurisdictions  in  which  any or all of the
properties  subject to the Mortgages are situated,  and in any other appropriate
public  recording  office or elsewhere,  such  recordation to be effected by the
Master Servicer and at its expense on direction by the Trustee  (pursuant to the
request  of  Holders  of  Certificates  entitled  to at least 25% of the  Voting
Rights),  but only upon  direction  accompanied  by an Opinion of Counsel to the
effect that such recordation  materially and beneficially  affects the interests
of the Certificateholders.

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

                                      108
<PAGE>

Section 11.03. Limitation on Rights of Certificateholders.
               -------------------------------------------

(a) The  death or  incapacity  of any  Certificateholder  shall not  operate  to
terminate this Agreement or the Trust Fund, nor entitle such Certificateholder's
legal  representatives  or heirs to claim an accounting or to take any action or
proceeding  in any court for a partition  or winding up of the Trust  Fund,  nor
otherwise  affect the rights,  obligations and liabilities of any of the parties
hereto.

(b) No  Certificateholder  shall  have any right to vote  (except  as  expressly
provided herein) or in any manner otherwise control the operation and management
of the Trust Fund, or the obligations of the parties hereto,  nor shall anything
herein set forth, or contained in the terms of the Certificates, be construed so
as to constitute the Certificateholders from time to time as partners or members
of an association; nor shall any Certificateholder be under any liability to any
third  person by reason of any action  taken by the  parties  to this  Agreement
pursuant to any provision hereof.

(c) No Certificateholder shall have any right by virtue of any provision of this
Agreement to institute  any suit,  action or proceeding in equity or at law upon
or under or with respect to this Agreement,  unless such Holder previously shall
have given to the  Trustee a written  notice of default  and of the  continuance
thereof, as hereinbefore  provided,  and unless also the Holders of Certificates
of any  Class  evidencing  in the  aggregate  not less  than 25% of the  related
Percentage  Interests of such Class,  shall have made  written  request upon the
Trustee to institute such action,  suit or proceeding in its own name as Trustee
hereunder and shall have offered to the Trustee such reasonable  indemnity as it
may require against the costs,  expenses and liabilities to be incurred  therein
or  thereby,  and the  Trustee,  for 60 days after its  receipt of such  notice,
request and offer of indemnity, shall have neglected or refused to institute any
such action,  suit or proceeding  it being  understood  and intended,  and being
expressly    covenanted   by   each    Certificateholder    with   every   other
Certificateholder  and the Trustee,  that no one or more Holders of Certificates
of any  Class  shall  have any  right in any  manner  whatever  by virtue of any
provision of this  Agreement to affect,  disturb or prejudice  the rights of the
Holders of any other of such  Certificates  of such Class or any other Class, or
to  obtain or seek to  obtain  priority  over or  preference  to any other  such
Holder,  or to  enforce  any right  under this  Agreement,  except in the manner
herein provided and for the common benefit of  Certificateholders  of such Class
or all Classes,  as the case may be. For the protection  and  enforcement of the
provisions  of this  Section  11.03,  each and every  Certificateholder  and the
Trustee  shall be entitled  to such  relief as can be given  either at law or in
equity.

Section 11.04. Governing Law.
               -------------

        This agreement and the  Certificates  shall be governed by and construed
in accordance with the laws of the State of New York and the obligations, rights
and remedies of the parties  hereunder  shall be determined  in accordance  with
such laws.

                                      109
<PAGE>

Section 11.05. Notices.
               -------

        As provided in Section 11.05 of the Series Supplement.

Section 11.06. Required Notices to Rating Agency and Subservicer.
               --------------------------------------------------

        The Company,  the Master Servicer or the Trustee,  as applicable,  shall
notify each Rating  Agency and the  Subservicer  at such time as it is otherwise
required  pursuant to this Agreement to give notice of the occurrence of, any of
the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below or
provide a copy to each Rating  Agency at such time as  otherwise  required to be
delivered  pursuant to this  Agreement  of any of the  statements  described  in
clauses (e) and (f) below:

(a)     a material change or amendment to this Agreement,

(b)     the occurrence of an Event of Default,

(c)  the termination or appointment of a successor Master Servicer or Trustee or
     a change in the majority ownership of the Trustee,

(d)     the filing of any claim  under the Master  Servicer's  blanket  fidelity
        bond and the errors and omissions  insurance  policy required by Section
        3.12 or the  cancellation  or  modification  of coverage  under any such
        instrument,

(e)  the  statement  required  to be  delivered  to the Holders of each Class of
     Certificates pursuant to Section 4.03,

(f)  the statements required to be delivered pursuant to Sections 3.18 and 3.19,

(g)  a change  in the  location  of the  Custodial  Account  or the  Certificate
     Account,

(h)     the  occurrence of any monthly cash flow shortfall to the Holders of any
        Class of Certificates  resulting from the failure by the Master Servicer
        to make an Advance pursuant to Section 4.04,

(i)     the occurrence of the Final Distribution Date, and

(j)     the repurchase of or substitution for any Mortgage Loan,
provided,  however,  that with respect to notice of the occurrence of the events
described in clauses (d), (g) or (h) above,  the Master  Servicer  shall provide
prompt  written  notice to each Rating  Agency and the  Subservicer  of any such
event known to the Master Servicer.

Section 11.07. Severability of Provisions.
               --------------------------

        If any one or more of the covenants, agreements,  provisions or terms of
this  Agreement  shall be for any  reason  whatsoever  held  invalid,  then such
covenants,  agreements,  provisions or terms shall be deemed  severable from the
remaining covenants, agreements, provisions or terms of this Agreement and shall
in no way affect the validity or  enforceability of the other provisions of this
Agreement or of the Certificates or the rights of the Holders thereof.

                                      110
<PAGE>

Section 11.08. Supplemental Provisions for Resecuritization.
               ---------------------------------------------

        This  Agreement  may be  supplemented  by  means  of the  addition  of a
separate  Article  hereto  (a   "Supplemental   Article")  for  the  purpose  of
resecuritizing  any of the Certificates  issued  hereunder,  under the following
circumstances.  With  respect  to any Class or Classes  of  Certificates  issued
hereunder,  or any portion of any such Class,  as to which the Company or any of
its  Affiliates  (or  any  designee  thereof)  is  the  registered  Holder  (the
"Resecuritized  Certificates"),  the  Company  may  deposit  such  Resecuritized
Certificates into a new REMIC, grantor trust, FASIT or custodial  arrangement (a
"Restructuring  Vehicle") to be held by the Trustee  pursuant to a  Supplemental
Article.  The instrument adopting such Supplemental Article shall be executed by
the Company,  the Master  Servicer and the Trustee;  provided,  that neither the
Master  Servicer nor the Trustee shall withhold  their consent  thereto if their
respective  interests would not be materially adversely affected thereby. To the
extent that the terms of the  Supplemental  Article do not in any way affect any
provisions  of this  Agreement as to any of the  Certificates  initially  issued
hereunder,  the adoption of the  Supplemental  Article  shall not  constitute an
"amendment" of this Agreement.

        Each  Supplemental  Article  shall set forth  all  necessary  provisions
relating to the holding of the  Resecuritized  Certificates by the Trustee,  the
establishment of the  Restructuring  Vehicle,  the issuing of various classes of
new certificates by the  Restructuring  Vehicle and the distributions to be made
thereon,  and any  other  provisions  necessary  for the  purposes  thereof.  In
connection  with each  Supplemental  Article,  the Company  shall deliver to the
Trustee an Opinion of Counsel to the effect that (i) the  Restructuring  Vehicle
will  qualify as a REMIC,  grantor  trust,  FASIT or other entity not subject to
taxation  for  federal  income  tax  purposes  and  (ii)  the  adoption  of  the
Supplemental  Article  will not endanger the status of the Trust Fund as a REMIC
or  (subject to Section  10.01(f))  result in the  imposition  of a tax upon the
Trust Fund  (including but not limited to the tax on prohibited  transactions as
defined  in Section  860F(a)(2)  of the Code and the tax on  contributions  to a
REMIC as set forth in Section 860G(d) of the Code).

Section 11.09. Allocation of Voting Rights.
               ----------------------------

               As provided in Section 11.09 of the Series Supplement.

Section 11.10. No Petition.
               -----------

               As provided in Section 11.10 of the Series Supplement.

                                      111
<PAGE>

                                    EXHIBIT A

FORM  OF  CLASS  A  CERTIFICATE,  [PRINCIPAL  ONLY/CLASS  A-P]  CERTIFICATE  AND
[INTEREST ONLY/CLASS A-V] CERTIFICATE

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

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

        [THE  FOLLOWING  INFORMATION  IS  PROVIDED  SOLELY FOR THE  PURPOSES  OF
APPLYING THE U.S.  FEDERAL INCOME TAX ORIGINAL  ISSUE DISCOUNT  ("OID") RULES TO
THIS  CERTIFICATE.  THE ISSUE DATE OF THIS  CERTIFICATE IS ___________ __, ____.
ASSUMING  THAT THE  MORTGAGE  LOANS  PREPAY AT [___]%  OF THE  PREPAYMENT  SPEED
ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), [AND ASSUMING A CONSTANT
PASS-THROUGH RATE EQUAL TO THE INITIAL  PASS-THROUGH RATE,] THIS CERTIFICATE HAS
BEEN ISSUED WITH NO MORE THAN $[ ] OF OID PER  [$1,000]  [$100,000]  OF [INITIAL
CERTIFICATE  PRINCIPAL BALANCE] [NOTIONAL AMOUNT], THE YIELD TO MATURITY IS [ ]%
AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN
$[  ]  PER  [$1,000]  [$100,000]  OF  [INITIAL  CERTIFICATE  PRINCIPAL  BALANCE]
[NOTIONAL AMOUNT],  COMPUTED USING THE APPROXIMATE  METHOD. NO REPRESENTATION IS
MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED
ASSUMPTION  OR AT ANY  OTHER  RATE OR AS TO THE  CONSTANCY  OF THE  PASS-THROUGH
RATE.]
<PAGE>

Certificate No.                    [        %][Variable] Pass-Through Rate
                --------            --------
                                   [based on a Notional Amount]
Class A-     Senior
Date of Pooling and Servicing      [Percentage Interest:       %]
                                                         ------
Agreement and Cut-off Date:
___________ 1, ____                Aggregate Initial [Certificate Principal
                                   Balance] [[Interest Only/Class A-V] Notional
First Distribution Date:           Amount] [Subclass Notional Amount] of the
_________ 25, ____                 Class A-     Certificates:
                                           ----

Master Servicer:                   [Initial] [Certificate Principal
Residential Funding                Balance] [Interest Only/Class A-V] [Subclass]
Corporation                        Notional Amount] of this Certificate:
                                   $                          ]
Assumed Final
Distribution Date:                 CUSIP 76110F-
___________ 25, ____

                 MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE
                                 SERIES ____-___

               evidencing a percentage  interest in the distributions  allocable
               to the  Class  A-  Certificates  with  respect  to a  Trust  Fund
               consisting   primarily  of  a  pool  of   conventional   one-  to
               four-family  fixed  interest rate first mortgage loans formed and
               sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

     This  certifies  that____________________  is the  registered  owner of the
Percentage  Interest  evidenced by this  Certificate  [(obtained by dividing the
[Initial  Certificate  Principal  Balance]  [Initial  [Interest  Only/Class A-V]
Notional  Amount] of this  Certificate  by the  aggregate  [Initial  Certificate
Principal Balance of all Class A- Certificates]  [Initial  [Interest  Only/Class
A-V] Notional Amounts of all [Interest  Only/Class A-V]  Certificates],  both as
specified  above)]  in  certain  distributions  with  respect  to the Trust Fund
consisting  primarily  of  an  interest  in  a  pool  of  conventional  one-  to
four-family  fixed interest rate first  mortgage  loans (the "Mortgage  Loans"),

<PAGE>

formed and sold by Residential  Accredit  Loans,  Inc.  (hereinafter  called the
"Company," which term includes any successor entity under the Agreement referred
to below).  The Trust  Fund was  created  pursuant  to a Pooling  and  Servicing
Agreement  dated as specified  above (the  "Agreement")  among the Company,  the
Master Servicer and __________________, as trustee (the "Trustee"), a summary of
certain of the  pertinent  provisions  of which is set forth  hereafter.  To the
extent not defined herein,  the capitalized  terms used herein have the meanings
assigned in the  Agreement.  This  Certificate is issued under and is subject to
the terms,  provisions and conditions of the Agreement,  to which  Agreement the
Holder of this  Certificate  by virtue of the  acceptance  hereof assents and by
which such Holder is bound.

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this Certificate and the amount [(of interest
and  principal,  if any)]  required  to be  distributed  to  Holders of Class A-
Certificates on such Distribution Date. [The [Interest  Only/Class A-V] Notional
Amount  of  the  [Interest  Only/Class  A-V]  Certificates  as of  any  date  of
determination is equal to the aggregate Stated Principal Balance of the Mortgage
Loans corresponding to the Uncertificated REMIC Regular Interests represented by
such [Interest  Only/Class A-V]  Certificates.] [The Subclass Notional Amount of
the [Interest  Only/Class A-V]-  Certificates as of any date of determination is
equal  to  the  aggregate  Stated  Principal   Balance  of  the  Mortgage  Loans
corresponding to the Uncertificated REMIC Regular Interests  represented by such
[Interest  Only/Class A-V]-  Certificates  immediately prior to such date.] [The
[Interest  Only/Class  A-V][-  ]  Certificates  have  no  Certificate  Principal
Balance.]

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The [Initial Certificate  Principal Balance] [Initial [Interest Only/Class
A-V] Notional Amount] [initial  Subclass Notional Amount] of this Certificate is
set forth above.] [The Certificate  Principal  Balance hereof will be reduced to
the extent of  distributions  allocable  to principal  and any  Realized  Losses
allocable hereto.]

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
<PAGE>

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Reference  is  hereby  made  to the  further  provisions  of this
Certificate set forth on the reverse hereof,  which further provisions shall for
all purposes have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [_________________________],
                                   as Trustee

                                            By:
                                               -------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

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

                                            [---------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT B

                           FORM OF CLASS M CERTIFICATE

        THIS  CERTIFICATE  IS  SUBORDINATED  IN RIGHT OF  PAYMENT  TO THE SENIOR
CERTIFICATES  [CLASS M-1 CERTIFICATES] [AND CLASS M-2 CERTIFICATES] AS DESCRIBED
IN THE AGREEMENT (AS DEFINED BELOW).

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

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

        THE  FOLLOWING  INFORMATION  IS  PROVIDED  SOLELY  FOR THE  PURPOSES  OF
APPLYING THE U.S.  FEDERAL INCOME TAX ORIGINAL  ISSUE DISCOUNT  ("OID") RULES TO
THIS  CERTIFICATE.  THE ISSUE DATE OF THIS  CERTIFICATE IS ___________ __, ____.
ASSUMING  THAT THE  MORTGAGE  LOANS  PREPAY AT [___]%  OF THE  PREPAYMENT  SPEED
ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS  SUPPLEMENT),  THIS  CERTIFICATE  HAS
BEEN ISSUED WITH NO MORE THAN $[____] OF OID PER $[1,000] OF INITIAL CERTIFICATE
PRINCIPAL  BALANCE,  THE YIELD TO  MATURITY  IS  [_____]%  AND THE AMOUNT OF OID
ATTRIBUTABLE  TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[____] PER $[1,000]
OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD.
NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON
THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE.

        Any Transferee of this Certificate will be deemed to have represented by
virtue of its purchase or holding of this  Certificate (or interest herein) that
EITHER (a) such Transferee is not an investment  manager, a named fiduciary or a
trustee of any Plan) acting, directly or indirectly,  on behalf of or purchasing
any Certificate with "plan assets" of any Plan (a "plan  investor"),  (B) it has
acquired and is holding such  Certificate in reliance on Prohibited  Transaction
Exemption  ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by PTE

<PAGE>

97-34, 62 Fed. Reg. 39021 (July 21, 1997),  and PTE 2000-58,  65 Fed. Reg. 67765
(November 13, 2000) (the "RFC  Exemption"),  and that it understands  that there
are certain  conditions to the availability of the RFC Exemption  including that
such Certificate  must be rated, at the time of purchase,  not lower than "BBB-"
(or its  equivalent)  by  Standard  & Poor's,  Fitch or  Moody's  or (C) (I) the
transferee is an insurance company, (II) the source of funds to be used by it to
purchase the Certificate is an "insurance  company general  account" (within the
meaning of U.S.  Department  of Labor  Prohibited  Transaction  Class  Exemption
("PTCE")  95-60),  and (iii) the  CONDITIONS  SET FORTH IN SECTIONS I AND III OF
PTCE 95-60 HAVE BEEN  SATISFIED  (EACH ENTITY THAT  SATISFIES THIS CLAUSE (C), A
"cOMPLYING INSURANCE COMPANY).

        If this  Certificate (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD BY ANY
PERSON  THAT  DOES  NOT  SATISFY  THE  CONDITIONS  DESCRIBED  IN  THE  PRECEDING
PARAGRAPH,  THEN THE LAST  preceding  Transferee  that  either (i) is not a Plan
Investor,  (II) ACQUIRED SUCH  CERTIFICATE IN COMPLIANCE WITH THE RFC EXEMPTION,
or (iiI) is a  Complying  Insurance  Company  shall be  restored,  to the extent
permitted by law, to all rights and  obligations  as  Certificate  Owner thereof
retroactive to the date of such Transfer of this Certificate.  The Trustee shall
be  under no  liability  to any  Person  for  making  any  payments  due on this
Certificate to such preceding Transferee.

        Any purported  Certificate  Owner whose  acquisition  or holding of this
Certificate (or interest  herein) was effected in violation of the  restrictions
in Section  5.02(e) of the Pooling and Servicing  Agreement  shall indemnify and
hold harmless the Company,  the Trustee,  the Master Servicer,  any Subservicer,
and the Trust Fund from and against any and all  liabilities,  claims,  costs or
expenses incurred by such parties as a result of such acquisition or holding.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class M-    Subordinate                           Aggregate Certificate
                                                  Principal Balance
Date of Pooling and Servicing                     of the Class M Certificates:
Agreement and Cut-off Date:                       $
___________ 1, ____
                                                  Initial Certificate Principal
First Distribution Date:                          Balance of this Certificate:
_________ 25, ____                                $

Master Servicer:                                  CUSIP: 76110F-
Residential Funding Corporation

Assumed Final Distribution Date:
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

        evidencing a percentage  interest in any distributions  allocable to the
        Class  M-  Certificates  with  respect  to  the  Trust  Fund  consisting
        primarily of a pool of conventional  one- to four-family  fixed interest
        rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS,
        INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

     This  certifies  that  ________________  is  the  registered  owner  of the
Percentage  Interest  evidenced  by this  Certificate  (obtained by dividing the
Certificate  Principal Balance of this Certificate by the aggregate  Certificate
Principal  Balance of all Class M-  Certificates,  both as  specified  above) in
certain  distributions  with respect to a Trust Fund  consisting  primarily of a
pool of  conventional  one- to  four-family  fixed  interest rate first mortgage
loans (the "Mortgage  Loans"),  formed and sold by Residential  Accredit  Loans,
Inc. (hereinafter called the "Company," which term includes any successor entity
under the Agreement referred to below). The Trust Fund was created pursuant to a
Pooling and Servicing Agreement dated as specified above (the "Agreement") among
the  Company,  the Master  Servicer  and  __________________,  as  trustee  (the
"Trustee"),  a summary of certain of the  pertinent  provisions  of which is set
forth hereafter.  To the extent not defined herein,  the capitalized  terms used
herein have the meanings  assigned in the Agreement.  This Certificate is issued
under and is subject to the terms,  provisions  and conditions of the Agreement,
to which  Agreement the Holder of this  Certificate  by virtue of the acceptance
hereof assents and by which such Holder is bound.
<PAGE>

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

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the  distributions  allocable to principal  and any  Realized  Losses  allocable
hereto.

               As described  above, no transfer of this Class M Certificate will
be made unless (i) the Trustee  has  received  either an opinion of counsel or a
representation  letter,  each as  described  in the  Agreement,  relating to the
permissibility  of such  transfer  under ERISA and Section 4975 of the Code,  or
(ii) this Certificate is held by a Depository, in which case the Transferee will
be deemed to have made  representations  relating to the  permissibility of such
transfer  under  ERISA and Section  4975 of the Code,  as  described  in Section
5.02(e) of the Agreement.  In addition,  any purported  Certificate  Owner whose
acquisition or holding of this  Certificate (or interest herein) was effected in
violation  of  the  restrictions  in  Section  5.02(e)  of the  Agreement  shall
indemnify and hold harmless the Company, the Trustee,  the Master Servicer,  any
Subservicer,  and the  Trust  Fund  from and  against  any and all  liabilities,
claims,  costs  or  expenses  incurred  by  such  parties  as a  result  of such
acquisition or holding.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
<PAGE>

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [____________________________],
                                            as Trustee

                                            By:
                                               -------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

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

                                            [-------------------------],
                                                  as Certificate Registrar

                                            By:
                                               --------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT C

                           FORM OF CLASS B CERTIFICATE

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR  CERTIFICATES
AND CLASS M CERTIFICATES [AND CLASS B-1] [CLASS B-2  CERTIFICATES]  DESCRIBED IN
THE AGREEMENT (AS DEFINED HEREIN).

THIS  CERTIFICATE  HAS NOT BEEN AND WILL NOT BE REGISTERED  UNDER THE SECURITIES
ACT OF 1933,  AS  AMENDED,  OR THE  SECURITIES  LAWS OF ANY STATE AND MAY NOT BE
RESOLD OR TRANSFERRED  UNLESS IT IS REGISTERED  PURSUANT TO SUCH ACT AND LAWS OR
IS SOLD OR TRANSFERRED IN TRANSACTIONS  WHICH ARE EXEMPT FROM REGISTRATION UNDER
SUCH ACT AND UNDER  APPLICABLE  STATE LAW AND IS TRANSFERRED IN ACCORDANCE  WITH
THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.

NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION  PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL  SATISFACTORY TO THE MASTER SERVICER,  THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT  PROHIBITED  TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR SECTION 4975 OF THE CODE
AND WILL NOT  SUBJECT  THE MASTER  SERVICER,  THE  COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.

SOLELY FOR U.S.  FEDERAL  INCOME TAX PURPOSES,  THIS  CERTIFICATE  IS A "REGULAR
INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE TERMS ARE
DEFINED,  RESPECTIVELY,  IN SECTIONS  860G AND 860D OF THE CODE.  THE  FOLLOWING
INFORMATION  IS PROVIDED  SOLELY FOR THE PURPOSES OF APPLYING  THE U.S.  FEDERAL
INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE.  THE ISSUE
DATE OF THIS  CERTIFICATE  IS ___________  __, ____.  ASSUMING THAT THE MORTGAGE
LOANS PREPAY AT 100% OF THE  PREPAYMENT  SPEED  ASSUMPTION  (AS DESCRIBED IN THE
PROSPECTUS SUPPLEMENT),  THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[ ]
OF OID PER  $[1,000]  OF INITIAL  CERTIFICATE  PRINCIPAL  BALANCE,  THE YIELD TO
MATURITY  IS [ ]% AND THE  AMOUNT OF OID  ATTRIBUTABLE  TO THE  INITIAL  ACCRUAL
PERIOD  IS NO MORE  THAN $[ ] PER  $[1,000]  OF  INITIAL  CERTIFICATE  PRINCIPAL
BALANCE,  COMPUTED UNDER THE APPROXIMATE  METHOD. NO REPRESENTATION IS MADE THAT
THE  MORTGAGE  LOANS  WILL  PREPAY  AT A  RATE  BASED  ON THE  PREPAYMENT  SPEED
ASSUMPTION OR AT ANY OTHER RATE.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class B-     Subordinate                          Aggregate Certificate
                                                  Principal Balance
Date of Pooling and Servicing                     of the Class B-
Agreement and Cut-off Date:                       Certificates as of
___________ 1, ____                               the Cut-off Date:
                                                  $
First Distribution Date:
_________ 25, ____                                Initial Certificate Principal
                                                  Balance of this Certificate:
Master Servicer:                                  $
Residential Funding Corporation

Assumed Final Distribution Date:
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

       evidencing a percentage  interest in any  distributions  allocable to the
       Class B- Certificates with respect to the Trust Fund consisting primarily
       of a pool of conventional  one- to four-family  fixed interest rate first
       mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

               This  certifies  that  Residential  Accredit  Loans,  Inc. is the
registered  owner  of the  Percentage  Interest  evidenced  by this  Certificate
(obtained by dividing the Certificate  Principal  Balance of this Certificate by
the aggregate Certificate  Principal Balance of all Class B- Certificates,  both
as  specified  above) in  certain  distributions  with  respect  to a Trust Fund
consisting  primarily  of a pool  of  conventional  one-  to  four-family  fixed
interest rate first mortgage loans (the  "Mortgage  Loans"),  formed and sold by
Residential  Accredit Loans, Inc.  (hereinafter called the "Company," which term
includes any successor entity under the Agreement  referred to below). The Trust
Fund  was  created  pursuant  to a  Pooling  and  Servicing  Agreement  dated as
specified  above (the  "Agreement")  among the Company,  the Master Servicer and
__________________,  as  trustee  (the  "Trustee"),  a summary of certain of the
pertinent provisions of which is set forth hereafter.  To the extent not defined
herein,  the  capitalized  terms used herein have the  meanings  assigned in the
Agreement.  This  Certificate  is issued  under  and is  subject  to the  terms,
provisions  and conditions of the  Agreement,  to which  Agreement the Holder of
this  Certificate by virtue of the  acceptance  hereof assents and by which such
Holder is bound.

<PAGE>

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing on
the first  Distribution  Date specified  above, to the Person in whose name this
Certificate  is  registered at the close of business on the last day (or if such
last day is not a Business Day, the Business Day immediately preceding such last
day) of the month next  preceding  the month of such  distribution  (the "Record
Date"), from the Available Distribution Amount in an amount equal to the product
of the  Percentage  Interest  evidenced by this  Certificate  and the amount (of
interest and principal, if any) required to be distributed to Holders of Class B
Certificates on such Distribution Date.

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the  distributions  allocable to principal  and any  Realized  Losses  allocable
hereto.

               No transfer of this Class B Certificate  will be made unless such
transfer is exempt from the  registration  requirements of the Securities Act of
1933,  as  amended,  and  any  applicable  state  securities  laws or is made in
accordance  with said Act and laws.  In the event that such a transfer  is to be
made,  (i) the  Trustee  or the  Company  may  require  an  opinion  of  counsel
acceptable  to and in form and  substance  satisfactory  to the  Trustee and the
Company that such transfer is exempt  (describing  the applicable  exemption and
the  basis  therefor)  from  or is  being  made  pursuant  to  the  registration
requirements  of the Securities  Act of 1933, as amended,  and of any applicable
statute of any state and (ii) the transferee shall execute an investment  letter
in the form  described by the  Agreement.  The Holder hereof  desiring to effect
such  transfer  shall,  and does hereby agree to,  indemnify  the  Trustee,  the
Company,  the Master Servicer and the Certificate  Registrar acting on behalf of
the Trustee  against  any  liability  that may result if the  transfer is not so
exempt  or is not made in  accordance  with such  Federal  and  state  laws.  In
connection  with any such transfer,  the Trustee will also require either (i) an
opinion of counsel  acceptable to and in form and substance  satisfactory to the
Trustee,  the Company and the Master Servicer with respect to the permissibility
of such transfer under the Employee  Retirement  Income Security Act of 1974, as
amended  ("ERISA"),  and Section 4975 of the Internal  Revenue Code (the "Code")
and stating, among other things, that the transferee's  acquisition of a Class B
Certificate will not constitute or result in a non-exempt prohibited transaction
under Section 406 of ERISA or Section 4975 of the Code or (ii) a  representation
letter,  in the form as described by Section  5.02(e) of the  Agreement,  either

<PAGE>

stating that the transferee is not an employee  benefit or other plan subject to
the  prohibited  transaction  provisions of ERISA or Section 4975 of the Code (a
"Plan"), or any other person (including an investment manager, a named fiduciary
or a trustee  of any  Plan)  acting,  directly  or  indirectly,  on behalf of or
purchasing any  Certificate  with "plan assets" of any Plan, or stating that the
transferee  is an  insurance  company,  the  source of funds to be used by it to
purchase the Certificate is an "insurance  company general  account" (within the
meaning of Department of Labor Prohibited  Transaction Class Exemption  ("PTCE")
95-60),  and the purchase is being made in reliance upon the availability of the
exemptive relief afforded under Sections I and III of PTCE 95-60.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
<PAGE>

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [_____________________________],
                                   as Trustee

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

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

                                            [---------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT D

                           FORM OF CLASS R CERTIFICATE

THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON
OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW).

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

NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION  PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL  SATISFACTORY TO THE MASTER SERVICER,  THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT  PROHIBITED  TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR SECTION 4975 OF THE CODE
AND WILL NOT  SUBJECT  THE MASTER  SERVICER,  THE  COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.

ANY RESALE,  TRANSFER OR OTHER  DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY
IF THE PROPOSED  TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER
AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE
OR POLITICAL  SUBDIVISION  THEREOF,  ANY POSSESSION OF THE UNITED STATES, OR ANY
AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING (OTHER THAN AN INSTRUMENTALITY
WHICH IS A CORPORATION  IF ALL OF ITS  ACTIVITIES  ARE SUBJECT TO TAX AND EXCEPT
FOR FREDDIE  MAC, A MAJORITY OF ITS BOARD OF  DIRECTORS  IS NOT SELECTED BY SUCH
GOVERNMENTAL UNIT), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR
ANY AGENCY OR INSTRUMENTALITY  OF EITHER OF THE FOREGOING,  (C) ANY ORGANIZATION
(OTHER THAN CERTAIN FARMERS' COOPERATIVES  DESCRIBED IN SECTION 521 OF THE CODE)
WHICH IS  EXEMPT  FROM THE TAX  IMPOSED  BY  CHAPTER 1 OF THE CODE  UNLESS  SUCH
ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE (INCLUDING
THE TAX  IMPOSED  BY  SECTION  511 OF THE  CODE ON  UNRELATED  BUSINESS  TAXABLE
INCOME),  (D) RURAL  ELECTRIC AND  TELEPHONE  COOPERATIVES  DESCRIBED IN SECTION
1381(a)(2)(C)  OF THE CODE,  (E) AN ELECTING  LARGE  PARTNERSHIP  UNDER  SECTION
775(a) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B),
(C), (D) OR (E) BEING HEREIN REFERRED TO AS A "DISQUALIFIED  ORGANIZATION"),  OR
(F) AN AGENT OF A DISQUALIFIED ORGANIZATION,  (2) NO PURPOSE OF SUCH TRANSFER IS
TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE  SATISFIES
CERTAIN  ADDITIONAL  CONDITIONS  RELATING  TO  THE  FINANCIAL  CONDITION  OF THE
PROPOSED  TRANSFEREE.   NOTWITHSTANDING  THE  REGISTRATION  IN  THE  CERTIFICATE
REGISTER OR ANY TRANSFER,  SALE OR OTHER  DISPOSITION  OF THIS  CERTIFICATE TO A
DISQUALIFIED  ORGANIZATION  OR AN AGENT  OF A  DISQUALIFIED  ORGANIZATION,  SUCH
REGISTRATION  SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT  WHATSOEVER  AND
SUCH  PERSON  SHALL  NOT BE  DEEMED TO BE A  CERTIFICATEHOLDER  FOR ANY  PURPOSE
HEREUNDER,  INCLUDING,  BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS
CERTIFICATE.  EACH HOLDER OF THIS  CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE
SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class R Senior                                    Aggregate Initial Certificate
                                                  Principal Balance of the
Date of Pooling and Servicing                     Class R Certificates:
Agreement and Cut-off Date:                       $100.00
___________ 1, ____
                                                  Initial Certificate Principal
First Distribution Date:                          Balance of this Certificate:
_________ 25, ____                                $

Master Servicer:                                  Percentage Interest:
Residential Funding Corporation                                 %
                                                  --------------

Assumed Final Distribution Date:                  CUSIP 76110F-
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

        evidencing a percentage  interest in any distributions  allocable to the
        Class R Certificates with respect to the Trust Fund consisting primarily
        of a pool of conventional  one- to four-family fixed interest rate first
        mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

               This  certifies  that is the  registered  owner of the Percentage
Interest  evidenced  by this  Certificate  (obtained  by  dividing  the  Initial
Certificate  Principal  Balance of this  Certificate  by the  aggregate  Initial
Certificate  Principal  Balance of all Class R  Certificates,  both as specified
above) in  certain  distributions  with  respect  to the Trust  Fund  consisting
primarily of a pool of  conventional  one- to  four-family  fixed  interest rate
first  mortgage  loans (the  "Mortgage  Loans"),  formed and sold by Residential
Accredit Loans, Inc.  (hereinafter called the "Company," which term includes any
successor  entity  under the  Agreement  referred to below).  The Trust Fund was
created  pursuant to a Pooling and Servicing  Agreement dated as specified above
(the "Agreement") among the Company, the Master Servicer and __________________,
as trustee (the "Trustee"),  a summary of certain of the pertinent provisions of
which is set forth hereafter.  To the extent not defined herein, the capitalized
terms used herein have the meanings assigned in the Agreement.  This Certificate
is issued under and is subject to the terms,  provisions  and  conditions of the
Agreement,  to which  Agreement the Holder of this  Certificate by virtue of the
acceptance hereof assents and by which such Holder is bound.

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

               Each Holder of this  Certificate will be deemed to have agreed to
be bound by the  restrictions  set forth in the Agreement to the effect that (i)
each person holding or acquiring any Ownership Interest in this Certificate must
be a United States Person and a Permitted  Transferee,  (ii) the transfer of any
Ownership  Interest in this Certificate will be conditioned upon the delivery to
the Trustee of,  among other  things,  an  affidavit  to the effect that it is a
United States Person and Permitted Transferee,  (iii) any attempted or purported
transfer of any  Ownership  Interest in this  Certificate  in  violation of such
restrictions  will be  absolutely  null and void and will  vest no rights in the
purported  transferee,  and (iv) if any person other than a United States Person
and a Permitted  Transferee  acquires any Ownership Interest in this Certificate
in violation of such restrictions,  then the Company will have the right, in its
sole  discretion and without notice to the Holder of this  Certificate,  to sell
this Certificate to a purchaser selected by the Company,  which purchaser may be
the Company,  or any affiliate of the Company,  on such terms and  conditions as
the Company may choose.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
distributions  allocable to principal and any Realized Losses allocable  hereto.
Notwithstanding  the reduction of the  Certificate  Principal  Balance hereof to
zero,  this  Certificate  will remain  outstanding  under the  Agreement and the
Holder hereof may have additional  obligations with respect to this Certificate,
including  tax   liabilities,   and  may  be  entitled  to  certain   additional
distributions  hereon,  in  accordance  with the  terms  and  provisions  of the
Agreement.
<PAGE>

               No transfer of this Class R  Certificate  will be made unless the
Trustee has received either (i) an opinion of counsel  acceptable to and in form
and substance  satisfactory to the Trustee,  the Company and the Master Servicer
with  respect  to  the  permissibility  of  such  transfer  under  the  Employee
Retirement Income Security Act of 1974, as amended  ("ERISA"),  and Section 4975
of the Internal Revenue Code (the "Code") and stating,  among other things, that
the  transferee's  acquisition  of a Class R Certificate  will not constitute or
result in a  non-exempt  prohibited  transaction  under  Section 406 of ERISA or
Section  4975 of the  Code  or  (ii) a  representation  letter,  in the  form as
described  by the  Agreement,  stating  that the  transferee  is not an employee
benefit or other plan subject to the prohibited  transaction provisions of ERISA
or  Section  4975 of the Code (a  "Plan"),  or any other  person  (including  an
investment manager, a named fiduciary or a trustee of any Plan) acting, directly
or indirectly,  on behalf of or purchasing any Certificate with "plan assets" of
any Plan.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.
<PAGE>

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Reference  is  hereby  made  to the  further  provisions  of this
Certificate set forth on the reverse hereof,  which further provisions shall for
all purpose have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [____________________________],
                                            as Trustee

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

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

                                            [----------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT E

                        FORM OF SELLER/SERVICER CONTRACT

        This  Seller/Servicer  Contract  (as  may be  amended,  supplemented  or
otherwise  modified from time to time, this "Contract") is made this day of , 20
, by and between  Residential  Funding  Corporation,  its successors and assigns
("Residential   Funding")  and  (the   "Seller/Servicer,"   and,  together  with
Residential Funding, the "parties" and each, individually, a "party").

        WHEREAS,  the  Seller/Servicer  desires to sell Loans to, and/or service
Loans for,  Residential  Funding,  and  Residential  Funding desires to purchase
Loans from the Seller/Servicer  and/or have the Seller/Servicer  service various
of its Loans, pursuant to the terms of this Contract and the Residential Funding
Seller  and  Servicer  Guides  incorporated  herein by  reference,  as  amended,
supplemented or otherwise modified, from time to time (together, the "Guides").

        NOW,  THEREFORE,  in  consideration  of the  premises,  and  the  terms,
conditions and agreements set forth below, the parties agree as follows:

1.      INCORPORATION OF GUIDES BY REFERENCE.

        The  Seller/Servicer  acknowledges  that it has  received  and  read the
Guides. All provisions of the Guides are incorporated by reference into and made
a part of this  Contract,  and  shall be  binding  upon the  parties;  provided,
however,  that the  Seller/Servicer  shall be  entitled  to sell Loans to and/or
service Loans for  Residential  Funding only if and for so long as it shall have
been authorized to do so by Residential  Funding in writing.  Specific reference
in this  Contract  to  particular  provisions  of the  Guides  and not to  other
provisions  does not mean that those  provisions of the Guides not  specifically
cited in this Contract are not applicable.  All terms used herein shall have the
same  meanings  as such terms have in the  Guides,  unless the  context  clearly
requires otherwise.

2.      AMENDMENTS.

        This Contract may not be amended or modified orally, and no provision of
this  Contract  may be waived or amended  except in writing  signed by the party
against whom  enforcement  is sought.  Such a written  waiver or amendment  must
expressly  reference this Contract.  However,  by their terms, the Guides may be
amended or  supplemented  by  Residential  Funding  from time to time.  Any such
amendment(s) to the Guides shall be binding upon the parties hereto.

3.      REPRESENTATIONS AND WARRANTIES.

a.      Reciprocal Representations and Warranties.

               The  Seller/Servicer  and Residential Funding each represents and
warrants to the other that as of the date of this Contract:
<PAGE>

(1)                   Each party is duly  organized,  validly  existing,  and in
                      good  standing  under  the  laws  of its  jurisdiction  of
                      organization,  is qualified,  if necessary, to do business
                      and in good standing in each  jurisdiction  in which it is
                      required to be so qualified,  and has the requisite  power
                      and  authority  to enter into this  Contract and all other
                      agreements  which are contemplated by this Contract and to
                      carry out its  obligations  hereunder and under the Guides
                      and under such other agreements.

(2)                   This  Contract  has been  duly  authorized,  executed  and
                      delivered  by each  party  and  constitutes  a  valid  and
                      legally  binding  agreement of each party  enforceable  in
                      accordance with its terms.

(3)                   There is no action, proceeding or investigation pending or
                      threatened,  and no basis  therefor  is  known  to  either
                      party,  that could  affect  the  validity  or  prospective
                      validity of this Contract.

(4)  Insofar as its capacity to carry out any obligation  under this Contract is
     concerned,  neither  party is in  violation  of any  charter,  articles  of
     incorporation,   bylaws,  mortgage,  indenture,  indebtedness,   agreement,
     instrument,  judgment,  decree, order, statute, rule or regulation and none
     of the  foregoing  adversely  affects  its  capacity  to fulfill any of its
     obligations under this Contract. Its execution of, and performance pursuant
     to, this Contract will not result in a violation of any of the foregoing.

b.      Seller/Servicer's Representations, Warranties and Covenants.

               In addition to the representations, warranties and covenants made
               by the  Seller/Servicer  pursuant  to  subparagraph  (a) of  this
               paragraph  3,  the  Seller/Servicer  makes  the  representations,
               warranties  and  covenants  set  forth in the  Guides  and,  upon
               request,  agrees to deliver to Residential  Funding the certified
               Resolution of Board of Directors  which  authorizes the execution
               and delivery of this Contract.

4.      REMEDIES OF RESIDENTIAL FUNDING.

        If an Event of Seller  Default  or an Event of  Servicer  Default  shall
occur,  Residential  Funding  may, at its option,  exercise one or more of those
remedies set forth in the Guides.

5.      SELLER/SERVICER'S STATUS AS INDEPENDENT CONTRACTOR.

        At no time shall the  Seller/Servicer  represent that it is acting as an
agent of Residential Funding. The Seller/Servicer shall, at all times, act as an
independent contractor.

6.      PRIOR AGREEMENTS SUPERSEDED.

        This Contract  restates,  amends and supersedes any and all prior Seller
Contracts or Servicer Contracts between the parties except that any subservicing
agreement  executed by the  Seller/Servicer in connection with any loan-security
exchange transaction shall not be affected.
<PAGE>

7.      ASSIGNMENT.

        This Contract may not be assigned or  transferred,  in whole or in part,
by the Seller/Servicer without the prior written consent of Residential Funding.
Residential  Funding may sell,  assign,  convey,  hypothecate,  pledge or in any
other way transfer,  in whole or in part, without restriction,  its rights under
this Contract and the Guides with respect to any Commitment or Loan.

8.      NOTICES.

        All notices,  requests,  demands or other  communications that are to be
given under this  Contract  shall be in writing,  addressed  to the  appropriate
parties and sent by  telefacsimile  or by overnight  courier or by United States
mail,  postage prepaid,  to the addresses and  telefacsimile  numbers  specified
below.  However,  another  name,  address  and/or  telefacsimile  number  may be
substituted  by  the  Seller/Servicer  pursuant  to  the  requirements  of  this
paragraph 8, or Residential Funding pursuant to an amendment to the Guides.

If to Residential  Funding,  notices must be sent to the appropriate  address or
telefacsimile number specified in the Guides.

If to the Seller/Servicer, notice must be sent to:

      Attention:___________________________________

      Telefacsimile Number:  (      )       -
                              ------  ------
9.      JURISDICTION AND VENUE.

        Each of the parties irrevocably submits to the jurisdiction of any state
or federal court located in Hennepin County, Minnesota, over any action, suit or
proceeding  to enforce or defend any right  under  this  Contract  or  otherwise
arising from any loan sale or servicing relationship existing in connection with
this  Contract,  and each of the parties  irrevocably  agrees that all claims in
respect of any such  action or  proceeding  may be heard or  determined  in such
state or federal court. Each of the parties irrevocably waives the defense of an
inconvenient  forum to the  maintenance of any such action or proceeding and any
other  substantive or procedural  rights or remedies it may have with respect to
the maintenance of any such action or proceeding in any such forum.  Each of the
parties agrees that a final  judgment in any such action or proceeding  shall be
conclusive and may be enforced in any other jurisdiction by suit on the judgment
or in any other manner  provided by law. Each of the parties  further agrees not
to institute  any legal  actions or  proceedings  against the other party or any
director,  officer,  employee,  attorney,  agent or property of the other party,
arising  out of or  relating  to  this  Contract  in any  court  other  than  as
hereinabove specified in this paragraph 9.
<PAGE>

10.     MISCELLANEOUS.

        This Contract, including all documents incorporated by reference herein,
constitutes the entire  understanding  between the parties hereto and supersedes
all other agreements, covenants, representations, warranties, understandings and
communications between the parties, whether written or oral, with respect to the
transactions  contemplated by this Contract.  All paragraph  headings  contained
herein  are for  convenience  only and  shall not be  construed  as part of this
Contract.  Any provision of this Contract that is prohibited or unenforceable in
any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of
such prohibition or unenforceability without invalidating the remaining portions
hereof or affecting  the  validity or  enforceability  of such  provision in any
other jurisdiction,  and, to this end, the provisions hereof are severable. This
Contract  shall be governed by, and construed  and enforced in accordance  with,
applicable federal laws and the laws of the State of Minnesota.

<PAGE>

        IN WITNESS WHEREOF,  the duly authorized officers of the Seller/Servicer
and Residential  Funding have executed this  Seller/Servicer  Contract as of the
date first above written.

ATTEST:                                 SELLER/SERVICER

[Corporate Seal]

                                                       (Name of Seller/Servicer)
By:                                     By:
   --------------------------------
      (Signature)                                        (Signature)
By:                                     By:
   --------------------------------
      (Typed Name)                                       (Typed Name)
Title:                                  Title:
      ------------------------------
======================================= ========================================

ATTEST:                                 RESIDENTIAL FUNDING CORPORATION
[Corporate Seal]

By:                                     By:
   --------------------------------
      (Signature)                                        (Signature)
By:                                     By:
   --------------------------------
      (Typed Name)                                       (Typed Name)
Title:                                  Title:
      ------------------------------

<PAGE>

                                    EXHIBIT F
                          FORMS OF REQUEST FOR RELEASE

DATE:

TO:

RE:            REQUEST FOR RELEASE OF DOCUMENTS

In connection with the  administration of the pool of Mortgage Loans held by you
for the  referenced  pool,  we request  the  release of the  Mortgage  Loan File
described below.

Pooling and Servicing Agreement Dated:
Series#:
Account#:
Pool#:
Loan#:
MIN#:
Borrower Name(s):
Reason for Document Request:      (circle one)

        Mortgage Loan Prepaid in Full              Mortgage Loan Repurchased

"We hereby  certify  that all amounts  received or to be received in  connection
with such  payments  which are required to be deposited  have been or will be so
deposited as provided in the Pooling and Servicing Agreement."

Residential Funding Corporation
Authorized Signature

******************************************************************************

TO  CUSTODIAN/TRUSTEE:  Please acknowledge this request, and check off documents
being  enclosed  with a copy of this form.  You should retain this form for your
files in accordance with the terms of the Pooling and Servicing Agreement.

Enclosed Documents:          [ ]  Promissory Note
                             [ ]  Primary Insurance Policy
                             [ ]  Mortgage or Deed of Trust
                             [ ] Assignment(s) of Mortgage or Deed of Trust
                             [ ]  Title Insurance Policy
                             [ ]  Other:

Name:
     ------------------------
Title:
      -----------------------
Date:
     ------------------------

<PAGE>

                                   EXHIBIT G-1

                    FORM OF TRANSFER AFFIDAVIT AND AGREEMENT

STATE OF                         )
                                 )    ss.:
COUNTY OF                        )
               [NAME OF OFFICER], being first duly sworn, deposes and says:

1. That he is [Title of Officer] of [Name of Owner] (record or beneficial  owner
of the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R
(the  "Owner")),  a  [savings  institution]  [corporation]  duly  organized  and
existing  under the laws of [the State  of__________ ] [the United  States],  on
behalf of which he makes this affidavit and agreement.

2. That the Owner (i) is not and will not be a "disqualified organization" or an
electing  large  partnership  as of [date of  transfer]  within  the  meaning of
Sections 860E(e)(5) and 775, respectively, of the Internal Revenue Code of 1986,
as amended (the "Code") or an electing large partnership under Section 775(a) of
the Code,  (ii) will endeavor to remain other than a  disqualified  organization
for so long as it retains its  ownership  interest in the Class R  Certificates,
and (iii) is acquiring the Class R  Certificates  for its own account or for the
account of another  Owner from which it has received an affidavit  and agreement
in  substantially  the same  form as this  affidavit  and  agreement.  (For this
purpose, a "disqualified organization" means an electing large partnership under
Section 775 of the Code, the United States,  any state or political  subdivision
thereof,  any agency or  instrumentality  of any of the foregoing (other than an
instrumentality  all of the  activities of which are subject to tax and,  except
for the Federal  Home Loan  Mortgage  Corporation,  a majority of whose board of
directors  is not  selected  by any such  governmental  entity)  or any  foreign
government,  international organization or any agency or instrumentality of such
foreign government or organization, any rural electric or telephone cooperative,
or any organization (other than certain farmers' cooperatives) that is generally
exempt from federal income tax unless such organization is subject to the tax on
unrelated business taxable income).

3. That the Owner is aware (i) of the tax that would be imposed on  transfers of
Class  R  Certificates   to   disqualified   organizations   or  electing  large
partnerships,  under  the  Code,  that  applies  to all  transfers  of  Class  R
Certificates after March 31, 1988; (ii) that such tax would be on the transferor
(or,  with  respect to transfers to electing  large  partnerships,  on each such
partnership),  or, if such transfer is through an agent (which person includes a
broker,  nominee or middleman)  for a disqualified  organization,  on the agent;
(iii) that the person  (other than with respect to  transfers to electing  large
partnerships)  otherwise  liable for the tax shall be relieved of liability  for
the tax if the  transferee  furnishes  to such  person  an  affidavit  that  the
transferee is not a disqualified organization and, at the time of transfer, such
person does not have actual knowledge that the affidavit is false; and (iv) that
the Class R Certificates  may be  "noneconomic  residual  interests"  within the
meaning of Treasury  regulations  promulgated  pursuant to the Code and that the
transferor of a noneconomic  residual  interest will remain liable for any taxes
due with respect to the income on such residual interest,  unless no significant
purpose of the transfer was to impede the assessment or collection of tax.
<PAGE>

4. That the Owner is aware of the tax imposed on a "pass-through entity" holding
Class R  Certificates  if either the  pass-through  entity is an electing  large
partnership  under  Section 775 of the if at any time during the taxable year of
the pass-through  entity a disqualified  organization is the record holder of an
interest in such entity.  (For this purpose,  a "pass through entity" includes a
regulated  investment  company,  a real estate  investment trust or common trust
fund, a partnership, trust or estate, and certain cooperatives.)

5. The Owner is either (i) a citizen or  resident of the United  States,  (ii) a
corporation,  partnership  or  other  entity  treated  as  a  corporation  or  a
partnership for U.S.  federal income tax purposes and created or organized in or
under the laws of the  United  States,  any state  thereof  or the  District  of
Columbia (other than a partnership that is not treated as a United States person
under any applicable Treasury regulations), (iii) an estate that is described in
Section 7701(a)(30)(D) of the Code, or (iv) a trust that is described in Section
7701(a)(30)(E) of the Code.

6. The  Owner  hereby  agrees  that it will not  cause  income  from the Class R
Certificates to be attributable to a foreign  permanent  establishment  or fixed
base  (within  the meaning of an  applicable  income tax treaty) of the Owner or
another United States taxpayer.

7. That the Owner is aware that the Trustee  will not  register  the transfer of
any Class R  Certificates  unless the  transferee,  or the  transferee's  agent,
delivers to it an affidavit and agreement,  among other things, in substantially
the same form as this affidavit and agreement.  The Owner expressly  agrees that
it will not consummate any such transfer if it knows or believes that any of the
representations contained in such affidavit and agreement are false.

8. That the Owner has  reviewed  the  restrictions  set forth on the face of the
Class R Certificates  and the  provisions of Section  5.02(f) of the Pooling and
Servicing  Agreement  under  which  the Class R  Certificates  were  issued  (in
particular,  clause (iii)(A) and (iii)(B) of Section 5.02(f) which authorize the
Trustee to deliver  payments  to a person  other than the Owner and  negotiate a
mandatory sale by the Trustee in the event the Owner holds such  Certificates in
violation of Section 5.02(f)).  The Owner expressly agrees to be bound by and to
comply with such restrictions and provisions.

9. That the Owner consents to any additional  restrictions or arrangements  that
shall be deemed  necessary  upon advice of counsel to  constitute  a  reasonable
arrangement to ensure that the Class R Certificates will only be owned, directly
or indirectly, by an Owner that is not a disqualified organization.

10.     The Owner's Taxpayer Identification Number is  ______________________.

11. This affidavit and agreement  relates only to the Class R Certificates  held
by the Owner and not to any other holder of the Class R Certificates.  The Owner
understands  that the  liabilities  described  herein relate only to the Class R
Certificates.
<PAGE>

12. That no purpose of the Owner  relating to the transfer of any of the Class R
Certificates  by the Owner is or will be to impede the  assessment or collection
of any tax; in making this representation,  the Owner warrants that the Owner is
familiar with (i) Treasury  Regulation Section 1.860E-1(c) and recent amendments
thereto,  effective as of July 19, 2002,  and (ii) the preamble  describing  the
adoption of the  amendments  to such  regulation,  which is  attached  hereto as
Exhibit 1.

13.  That the Owner has no  present  knowledge  or  expectation  that it will be
unable  to  pay  any  United  States  taxes  owed  by it so  long  as any of the
Certificates remain outstanding.  In this regard, the Owner hereby represents to
and for the benefit of the person from whom it acquired the Class R  Certificate
that the Owner  intends  to pay  taxes  associated  with  holding  such  Class R
Certificate  as they  become  due,  fully  understanding  that it may  incur tax
liabilities in excess of any cash flows generated by the Class R Certificate.

14. That the Owner has no present  knowledge or expectation  that it will become
insolvent or subject to a bankruptcy  proceeding for so long as any of the Class
R Certificates remain outstanding.

15. The  Purchaser is not an employee  benefit plan or other plan subject to the
prohibited transaction provisions of the Employee Retirement Income Security Act
of 1974, as amended  ("ERISA"),  or Section 4975 of the Internal Revenue Code of
1986, as amended (the "Code"),  or an investment  manager,  named fiduciary or a
trustee of any such plan, or any other Person acting, directly or indirectly, on
behalf of or purchasing any Certificate with "plan assets" of any such plan.

<PAGE>

               IN WITNESS  WHEREOF,  the Owner has caused this  instrument to be
executed on its behalf,  pursuant to the authority of its Board of Directors, by
its [Title of Officer] and its corporate seal to be hereunto attached,  attested
by its [Assistant] Secretary, this day of , 200 .

                                            [NAME OF OWNER]

                                            By:
                                               ---------------------------------
                                                 [Name of Officer]
                                                 [Title of Officer]
[Corporate Seal]

ATTEST:

[Assistant] Secretary

               Personally  appeared before me the above-named [Name of Officer],
known  or  proved  to me to be  the  same  person  who  executed  the  foregoing
instrument and to be the [Title of Officer] of the Owner, and acknowledged to me
that he executed  the same as his free act and deed and the free act and deed of
the Owner.

               Subscribed and sworn before me this  ____ day of  ___________,
200 ____

                                  NOTARY PUBLIC

                                            COUNTY OF
                                                     ---------------------------
                                            STATE OF
                                                    ----------------------------

                           My Commission  expires the _____ day of _____,20___.

<PAGE>

                                    EXHIBIT 1

DEPARTMENT OF THE TREASURY

Internal Revenue Service

26 CFR Parts 1 and 602

[TD 9004]
RIN 1545-AW98

Real Estate Mortgage Investment Conduits

AGENCY: Internal Revenue Service (IRS), Treasury.

ACTION: Final regulations.

-----------------------------------------------------------------------

SUMMARY:  This  document  contains  final  regulations  relating  to safe harbor
transfers of noneconomic  residual interests in real estate mortgage  investment
conduits (REMICs).  The final regulations provide additional  limitations on the
circumstances under which transferors may claim safe harbor treatment.

DATES: Effective Date: These regulations are effective July 19, 2002.
    Applicability Date: For dates of applicability, see Sec. 1.860E-
(1)(c)(10).

FOR FURTHER INFORMATION CONTACT: Courtney Shepardson at (202) 622-3940
(not a toll-free number).

SUPPLEMENTARY INFORMATION:

Paperwork Reduction Act

    The  collection  of  information  in this final rule has been  reviewed and,
pending  receipt and  evaluation of public  comments,  approved by the Office of
Management  and Budget (OMB) under 44 U.S.C.  3507 and assigned  control  number
1545-1675.
    The  collection  of  information  in  this  regulation  is in  Sec.  1.860E-
1(c)(5)(ii).  This  information  is  required to enable the IRS to verify that a
taxpayer is complying with the conditions of this regulation.  The collection of
information  is mandatory  and is  required.  Otherwise,  the taxpayer  will not
receive the benefit of safe harbor treatment as provided in the regulation.  The
likely respondents are businesses and other for-profit institutions.
<PAGE>

    Comments on the  collection of  information  should be sent to the Office of
Management  and Budget,  Attn:  Desk Officer for the Department of the Treasury,
Office of Information and Regulatory Affairs, Washington, DC, 20503, with copies
to  the  Internal  Revenue  Service,   Attn:  IRS  Reports  Clearance   Officer,
W:CAR:MP:FP:S,  Washington,  DC 20224. Comments on the collection of information
should be received by September 17, 2002.  Comments are  specifically  requested
concerning:

    Whether  the   collection  of   information  is  necessary  for  the  proper
performance of the functions of the Internal Revenue Service,  including whether
the information will have practical utility;

    The accuracy of the estimated burden associated with the collection
of information (see below);

    How the quality, utility, and clarity of the information to be
collected may be enhanced;

    How the  burden of  complying  with the  collection  of  information  may be
minimized,  including through the application of automated collection techniques
or other forms of information technology; and

    Estimates of capital or start-up costs and costs of operation,  maintenance,
and purchase of service to provide information.

    An agency  may not  conduct  or  sponsor,  and a person is not  required  to
respond to, a  collection  of  information  unless it  displays a valid  control
number assigned by the Office of Management and Budget.

    The  estimated  total  annual  reporting  burden is 470  hours,  based on an
estimated  number of respondents  of 470 and an estimated  average annual burden
hours per respondent of one hour.

    Books or records relating to a collection of information must be retained as
long as their contents may become material in the administration of any internal
revenue law. Generally, tax returns and tax return information are confidential,
as required by 26 U.S.C. 6103.

Background

    This document contains final regulations  regarding the proposed  amendments
to 26 CFR part 1 under  section  860E of the Internal  Revenue Code (Code).  The
regulations  provide the circumstances under which a transferor of a noneconomic
REMIC  residual   interest   meeting  the   investigation   and   representation
requirements  may avail  itself  of the safe  harbor by  satisfying  either  the
formula test or the asset test.

    Final regulations  governing REMICs, issued in 1992, contain rules governing
the transfer of noneconomic REMIC residual interests.  In general, a transfer of
a  noneconomic  residual  interest  is  disregarded  for all tax  purposes  if a
significant purpose of the transfer is to

[[Page 47452]]

enable the  transferor to impede the  assessment or collection of tax. A purpose
to impede the assessment or collection of tax (a wrongful purpose) exists if the
transferor,  at the time of the transfer,  either knew or should have known that
the transferee would be unwilling or unable to pay taxes due on its share of the
REMIC's taxable income.

<PAGE>

    Under a safe harbor, the transferor of a REMIC noneconomic residual interest
is presumed not to have a wrongful  purpose if two  requirements  are satisfied:
(1) the  transferor  conducts a  reasonable  investigation  of the  transferee's
financial  condition  (the  investigation  requirement);  and (2) the transferor
secures a  representation  from the transferee to the effect that the transferee
understands the tax obligations  associated with holding a residual interest and
intends to pay those taxes (the representation requirement).

    The  IRS  and  Treasury  have  been  concerned  that  some   transferors  of
noneconomic  residual  interests  claim they  satisfy  the safe  harbor  even in
situations  where the economics of the transfer  clearly indicate the transferee
is unwilling or unable to pay the tax associated with holding the interest.  For
this reason,  on February 7, 2000, the IRS published in the Federal Register (65
FR 5807) a notice of proposed rulemaking (REG-100276-97; REG-122450-98) designed
to clarify the safe harbor by adding the "formula  test," an economic  test. The
proposed  regulation  provides  that the safe harbor is  unavailable  unless the
present value of the  anticipated  tax  liabilities  associated with holding the
residual  interest  does not  exceed the sum of:  (1) The  present  value of any
consideration  given to the transferee to acquire the interest;  (2) the present
value of the expected future distributions on the interest;  and (3) the present
value of the anticipated tax savings associated with holding the interest as the
REMIC generates losses.

    The notice of proposed  rulemaking also contained rules for FASITs.  Section
1.860H-6(g) of the proposed regulations  provides  requirements for transfers of
FASIT  ownership  interests  and adopts a safe harbor by  reference  to the safe
harbor provisions of the REMIC regulations.

    In January 2001, the IRS published Rev. Proc. 2001-12 (2001-3 I.R.B. 335) to
set forth an alternative  safe harbor that taxpayers could use while the IRS and
the  Treasury  considered  comments  on  the  proposed  regulations.  Under  the
alternative safe harbor, if a transferor meets the investigation requirement and
the representation  requirement but the transfer fails to meet the formula test,
the transferor  may invoke the safe harbor if the transferee  meets a two- prong
test (the asset test). A transferee generally meets the first prong of this test
if, at the time of the transfer, and in each of the two years preceding the year
of  transfer,  the  transferee's  gross  assets  exceed $100 million and its net
assets exceed $10 million. A transferee generally meets the second prong of this
test if it is a  domestic,  taxable  corporation  and agrees in  writing  not to
transfer  the  interest  to any person  other  than  another  domestic,  taxable
corporation that also satisfies the requirements of the asset test. A transferor
cannot rely on the asset test if the  transferor  knows,  or has reason to know,
that the  transferee  will not comply  with its written  agreement  to limit the
restrictions on subsequent transfers of the residual interest.

<PAGE>

    Rev. Proc. 2001-12 provides that the asset test fails to be satisfied in the
case of a transfer or assignment of a noneconomic residual interest to a foreign
branch of an otherwise  eligible  transferee.  If such a transfer or  assignment
were permitted,  a corporate taxpayer might seek to claim that the provisions of
an  applicable  income tax treaty  would  resource  excess  inclusion  income as
foreign  source  income,  and that,  as a  consequence,  any U.S. tax  liability
attributable  to the excess  inclusion  income  could be offset by  foreign  tax
credits.  Such a claim would impede the  assessment or collection of U.S. tax on
excess inclusion income,  contrary to the congressional purpose of assuring that
such income will be taxable in all events. See, e.g., sections 860E(a)(1),  (b),
(e) and 860G(b) of the Code.

    The Treasury and the IRS have  learned that certain  taxpayers  transferring
noneconomic residual interests to foreign branches have attempted to rely on the
formula  test to obtain  safe  harbor  treatment  in an  effort  to  impede  the
assessment or collection of U.S. tax on excess  inclusion  income.  Accordingly,
the  final  regulations  provide  that if a  noneconomic  residual  interest  is
transferred  to a  foreign  permanent  establishment  or  fixed  base  of a U.S.
taxpayer,  the transfer is not eligible for safe harbor  treatment  under either
the asset  test or the  formula  test.  The  final  regulations  also  require a
transferee  to  represent  that it will not cause  income  from the  noneconomic
residual  interest to be attributable to a foreign  permanent  establishment  or
fixed base.

    Section 1.860E-1(c)(8)  provides computational rules that a taxpayer may use
to  qualify  for  safe  harbor   status   under  the   formula   test.   Section
1.860E-1(c)(8)(i)  provides that the transferee is presumed to pay tax at a rate
equal to the highest rate of tax specified in section 11(b).  Some  commentators
were  concerned that this presumed rate of taxation was too high because it does
not take into  consideration  taxpayers  subject to the alternative  minimum tax
rate. In light of the comments received,  this provision has been amended in the
final regulations to allow certain transferees that compute their taxable income
using the alternative  minimum tax rate to use the alternative  minimum tax rate
applicable to corporations.

    Additionally,  Sec.  1.860E-1(c)(8)(iii) provides that the present values in
the  formula  test  are to be  computed  using  a  discount  rate  equal  to the
applicable  Federal  short-term  rate prescribed by section  1274(d).  This is a
change  from  the  proposed   regulation  and  Rev.  Proc.   2001-12.  In  those
publications  the  provision  stated that "present  values are computed  using a
discount rate equal to the applicable Federal rate prescribed in section 1274(d)
compounded  semiannually"  and that "[a] lower  discount rate may be used if the
transferee can demonstrate that it regularly borrows, in the course of its trade
or  business,  substantial  funds at such  lower  rate from an  unrelated  third
party." The IRS and the Treasury  Department  have learned  that,  based on this
provision,  certain taxpayers have been attempting to use unrealistically low or
zero interest rates to satisfy the formula test,  frustrating  the intent of the
test.  Furthermore,  the  Treasury  Department  and the IRS believe  that a rule
allowing  for a rate  other than a rate based on an  objective  index  would add
unnecessary complexity to the safe harbor. As a result, the rule in the proposed

<PAGE>

regulations  that  permits a transferee  to use a lower  discount  rate,  if the
transferee can demonstrate that it regularly  borrows  substantial funds at such
lower rate, is not included in the final regulations; and the Federal short-term
rate  has  been  substituted  for  the  applicable  Federal  rate.  To  simplify
taxpayers' computations, the final regulations allow use of any of the published
short-term  rates,  provided  that  the  present  values  are  computed  with  a
corresponding  period  of  compounding.  With the  exception  of the  provisions
relating to transfers to foreign  branches,  these  changes  generally  have the
proposed  applicability  date of February 4, 2000,  but  taxpayers may choose to
apply the interest  rate formula set forth in the proposed  regulation  and Rev.
Proc. 2001-12 for transfers occurring before August 19, 2002.

    It is anticipated that when final regulations are adopted with
respect to

[[Page 47453]]

FASITs,  Sec.  1.860H-6(g)  of the  proposed  regulations  will  be  adopted  in
substantially  its  present  form,  with the result  that the final  regulations
contained  in this  document  will  also  govern  transfers  of FASIT  ownership
interests with substantially the same applicability date as is contained in this
document.

Effect on Other Documents

    Rev. Proc. 2001-12 (2001-3 I.R.B. 335) is obsolete for transfers of
noneconomic residual interests in REMICs occurring on or after August
19, 2002.

Special Analyses

    It is hereby  certified that these  regulations  will not have a significant
economic impact on a substantial number of small entities. This certification is
based  on the  fact  that it is  unlikely  that a  substantial  number  of small
entities will hold REMIC residual interests. Therefore, a Regulatory Flexibility
Analysis  under  the  Regulatory  Flexibility  Act (5 U.S.C.  chapter  6) is not
required.  It  has  been  determined  that  this  Treasury  decision  is  not  a
significant regulatory action as defined in Executive Order 12866.  Therefore, a
regulatory assessment is not required. It also has been determined that sections
553(b) and 553(d) of the  Administrative  Procedure Act (5 U.S.C.  chapter 5) do
not apply to these regulations.
<PAGE>

Drafting Information

    The principal author of these regulations is Courtney  Shepardson.  However,
other  personnel  from the IRS and  Treasury  Department  participated  in their
development.

List of Subjects

26 CFR Part 1

    Income taxes, Reporting and record keeping requirements.

26 CFR Part 602

    Reporting and record keeping requirements.

Adoption of Amendments to the Regulations

    Accordingly, 26 CFR parts 1 and 602 are amended as follows:

PART 1--INCOME TAXES

    Paragraph 1. The authority  citation for part 1 continues to read in part as
follows:

    Authority: 26 U.S.C. 7805 * * *

<PAGE>

                                   EXHIBIT G-2

                         FORM OF TRANSFEROR CERTIFICATE

                                                  , 20
                                   ---------------    ----

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota  55437

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, Class R

Ladies and Gentlemen:

               This letter is delivered to you in  connection  with the transfer
by (the  "Seller")  to (the  "Purchaser")  of $  Initial  Certificate  Principal
Balance of Mortgage  Asset-Backed  Pass-Through  Certificates,  Series ____-___,
Class R (the  "Certificates"),  pursuant  to  Section  5.02 of the  Pooling  and
Servicing  Agreement  (the  "Pooling  and  Servicing  Agreement"),  dated  as of
___________  1, ____ among  Residential  Accredit  Loans,  Inc.,  as seller (the
"Company"),   Residential   Funding   Corporation,   as  master  servicer,   and
__________________,  as trustee (the  "Trustee").  All terms used herein and not
otherwise defined shall have the meanings set forth in the Pooling and Servicing
Agreement.  The  Seller  hereby  certifies,  represents  and  warrants  to,  and
covenants with, the Company and the Trustee that:

1. No purpose of the Seller  relating to the transfer of the  Certificate by the
Seller to the Purchaser is or will be to impede the  assessment or collection of
any tax.

2. The Seller  understands  that the  Purchaser has delivered to the Trustee and
the Master  Servicer a transfer  affidavit and agreement in the form attached to
the Pooling and Servicing  Agreement as Exhibit G-1. The Seller does not know or
believe that any representation contained therein is false.

3.  The  Seller  has  at  the  time  of  the  transfer  conducted  a  reasonable
investigation  of the financial  condition of the Purchaser as  contemplated  by
Treasury  Regulations  Section  1.860E-1(c)(4)(i)  and,  as  a  result  of  that
investigation,  the Seller has  determined  that the Purchaser has  historically
paid its debts as they  become  due and has  found no  significant  evidence  to
indicate  that the  Purchaser  will not continue to pay its debts as they become
due in the  future.  The  Seller  understands  that  the  transfer  of a Class R
Certificate  may not be respected for United States income tax purposes (and the
Seller may  continue  to be liable for United  States  income  taxes  associated
therewith) unless the Seller has conducted such an investigation.

4. The Seller has no actual knowledge that the proposed Transferee is not both a
United States Person and a Permitted Transferee.

                                Very truly yours,

                                            (Seller)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT H

                     FORM OF INVESTOR REPRESENTATION LETTER

                                      , 20

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

==================
------------------

Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN  55437

Attention:  Residential Funding Corporation Series ____-___

               RE:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, [Class B-]

Ladies and Gentlemen:

               (the  "Purchaser")  intends to  purchase  from (the  "Seller")  $
Initial  Certificate  Principal  Balance of Mortgage  Asset-Backed  Pass-Through
Certificates,  Series ____-___,  Class (the "Certificates"),  issued pursuant to
the Pooling and Servicing  Agreement  (the  "Pooling and Servicing  Agreement"),
dated as of  ___________  1, ____ among  Residential  Accredit  Loans,  Inc., as
seller (the "Company"), Residential Funding Corporation, as master servicer (the
"Master  Servicer"),  and  __________________,  as trustee (the "Trustee").  All
terms used herein and not otherwise defined shall have the meanings set forth in
the Pooling and Servicing Agreement. The Purchaser hereby certifies,  represents
and warrants to, and  covenants  with,  the Company,  the Trustee and the Master
Servicer that:

1.   The Purchaser  understands that (a) the Certificates have not been and will
     not be registered or qualified under the Securities Act of 1933, as amended
     (the "Act") or any state securities law, (b) the Company is not required to
     so register or qualify the Certificates, (c) the Certificates may be resold
     only if registered  and qualified  pursuant to the provisions of the Act or
     any state  securities  law, or if an exemption from such  registration  and
     qualification  is  available,  (d)  the  Pooling  and  Servicing  Agreement
     contains  restrictions  regarding the transfer of the  Certificates and (e)
     the Certificates will bear a legend to the foregoing effect.
<PAGE>

2.   The  Purchaser  is  acquiring  the  Certificates  for its own  account  for
     investment  only and not with a view to or for sale in connection  with any
     distribution  thereof  in any  manner  that  would  violate  the Act or any
     applicable state securities laws.

3.   The Purchaser is (a) a substantial,  sophisticated  institutional  investor
     having such  knowledge and  experience  in financial and business  matters,
     and, in particular,  in such matters  related to securities  similar to the
     Certificates, such that it is capable of evaluating the merits and risks of
     investment in the Certificates, (b) able to bear the economic risks of such
     an investment and (c) an "accredited  investor"  within the meaning of Rule
     501(a) promulgated pursuant to the Act.

4.   The Purchaser has been furnished with, and has had an opportunity to review
     (a) [a copy of the Private  Placement  Memorandum,  dated  ________,  20__,
     relating  to the  Certificates  (b)] a copy of the  Pooling  and  Servicing
     Agreement and [b] [c] such other  information  concerning the Certificates,
     the Mortgage  Loans and the Company as has been  requested by the Purchaser
     from the Company or the Seller and is relevant to the Purchaser's  decision
     to purchase the  Certificates.  The Purchaser has had any questions arising
     from such review answered by the Company or the Seller to the  satisfaction
     of the Purchaser.  [If the Purchaser did not purchase the Certificates from
     the Seller in connection with the initial  distribution of the Certificates
     and was  provided  with a copy of the  Private  Placement  Memorandum  (the
     "Memorandum")  relating to the original sale (the  "Original  Sale") of the
     Certificates  by  the  Company,   the  Purchaser   acknowledges  that  such
     Memorandum  was  provided  to it by the  Seller,  that the  Memorandum  was
     prepared by the Company solely for use in connection with the Original Sale
     and  the  Company  did  not  participate  in or  facilitate  in any way the
     purchase of the  Certificates  by the  Purchaser  from the Seller,  and the
     Purchaser  agrees  that it will look  solely to the  Seller  and not to the
     Company with respect to any damage, liability, claim or expense arising out
     of, resulting from or in connection with (a) error or omission,  or alleged
     error or omission,  contained in the  Memorandum,  or (b) any  information,
     development or event arising after the date of the Memorandum.]

5.   The  Purchaser  has not and  will  not  nor  has it  authorized  or will it
     authorize any person to (a) offer,  pledge,  sell,  dispose of or otherwise
     transfer  any  Certificate,  any interest in any  Certificate  or any other
     similar security to any person in any manner,  (b) solicit any offer to buy
     or to accept a pledge,  disposition of other  transfer of any  Certificate,
     any interest in any  Certificate  or any other  similar  security  from any
     person in any manner,  (c) otherwise  approach or negotiate with respect to
     any  Certificate,  any  interest in any  Certificate  or any other  similar
     security with any person in any manner,  (d) make any general  solicitation
     by means of  general  advertising  or in any  other  manner or (e) take any
     other action,  that (as to any of (a) through (e) above) would constitute a
     distribution  of any  Certificate  under the Act,  that  would  render  the
     disposition  of any  Certificate a violation of Section 5 of the Act or any
     state  securities law, or that would require  registration or qualification
     pursuant thereto.  The Purchaser will not sell or otherwise transfer any of
     the  Certificates,  except in compliance with the provisions of the Pooling
     and Servicing Agreement.
<PAGE>

6.      The Purchaser

(a)            is  not  an  employee  benefit  or  other  plan  subject  to  the
               prohibited  transaction  provisions  of the  Employee  Retirement
               Income  Security Act of 1974,  as amended  ("ERISA"),  or Section
               4975 of the Internal Revenue Code of 1986, as amended (a "Plan"),
               or any other person  (including  an investment  manager,  a named
               fiduciary  or  a  trustee  of  any  Plan)  acting,   directly  or
               indirectly, on behalf of or purchasing any Certificate with "plan
               assets" of any Plan within the meaning of the Department of Labor
               ("DOL") regulation at 29 C.F.R. ss.2510.3-101; or

(b)            is an insurance company,  the source of funds to be used by it to
               purchase  the  Certificates  is  an  "insurance  company  general
               account" (within the meaning of DOL Prohibited  Transaction Class
               Exemption  ("PTCE")  95-60),  and the  purchase  is being made in
               reliance upon the  availability of the exemptive  relief afforded
               under Sections I and III of PTCE 95-60.

        In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants  with, the Company,  the Trustee and the Master  Servicer that the
Purchaser will not transfer such  Certificates to any Plan or person unless such
Plan or person meets the requirements set forth in either 6(a) or (b) above.

                                Very truly yours,

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT I

                    FORM OF TRANSFEROR REPRESENTATION LETTER

                                                , 20
                                       ---------    --

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

==================
------------------

Attention: Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, [Class B-]

Ladies and Gentlemen:

               In   connection   with  the  sale  by  (the   "Seller")  to  (the
"Purchaser") of $ Initial Certificate Principal Balance of Mortgage Asset-Backed
Pass-Through Certificates,  Series ____-___, Class (the "Certificates"),  issued
pursuant to the Pooling and  Servicing  Agreement  (the  "Pooling and  Servicing
Agreement"),  dated as of ___________ 1, ____ among Residential  Accredit Loans,
Inc., as seller (the  "Company"),  Residential  Funding  Corporation,  as master
servicer, and __________________,  as trustee (the "Trustee"). The Seller hereby
certifies,  represents and warrants to, and covenants  with, the Company and the
Trustee that:

               Neither  the  Seller  nor  anyone  acting on its  behalf  has (a)
offered,  pledged,  sold, disposed of or otherwise  transferred any Certificate,
any interest in any  Certificate or any other similar  security to any person in
any  manner,  (b)  has  solicited  any  offer  to buy  or to  accept  a  pledge,
disposition  or  other  transfer  of  any  Certificate,   any  interest  in  any
Certificate or any other similar security from any person in any manner, (c) has
otherwise approached or negotiated with respect to any Certificate, any interest
in any Certificate or any other similar  security with any person in any manner,
(d) has made any general  solicitation by means of general advertising or in any
other manner, or (e) has taken any other action,  that (as to any of (a) through
(e)  above)  would  constitute  a  distribution  of the  Certificates  under the
Securities  Act of 1933 (the "Act"),  that would render the  disposition  of any
Certificate a violation of Section 5 of the Act or any state  securities law, or
that would require  registration or qualification  pursuant thereto.  The Seller
will not act, in any manner set forth in the foregoing  sentence with respect to
any Certificate.  The Seller has not and will not sell or otherwise transfer any
of the Certificates, except in compliance with the provisions of the Pooling and
Servicing Agreement.

                                Very truly yours,

                                            (Seller)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT J

                  [FORM OF RULE 144A INVESTMENT REPRESENTATION]

                          Description   of  Rule  144A   Securities,   including
numbers:

               The  undersigned  seller,  as registered  holder (the  "Seller"),
intends to transfer the Rule 144A Securities  described above to the undersigned
buyer (the "Buyer").

1. In  connection  with such  transfer  and in  accordance  with the  agreements
pursuant  to which the Rule 144A  Securities  were  issued,  the  Seller  hereby
certifies  the  following  facts:  Neither  the Seller nor anyone  acting on its
behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule
144A  Securities,  any interest in the Rule 144A Securities or any other similar
security to, or solicited any offer to buy or accept a transfer, pledge or other
disposition  of  the  Rule  144A  Securities,  any  interest  in the  Rule  144A
Securities  or any other  similar  security  from,  or otherwise  approached  or
negotiated  with respect to the Rule 144A  Securities,  any interest in the Rule
144A Securities or any other similar security with, any person in any manner, or
made any general  solicitation  by means of general  advertising or in any other
manner,  or taken any other action,  that would constitute a distribution of the
Rule 144A  Securities  under the  Securities  Act of 1933, as amended (the "1933
Act"),  or that  would  render the  disposition  of the Rule 144A  Securities  a
violation of Section 5 of the 1933 Act or require registration pursuant thereto,
and that the Seller has not offered the Rule 144A Securities to any person other
than the Buyer or  another  "qualified  institutional  buyer" as defined in Rule
144A under the 1933 Act.

2. The Buyer  warrants and represents  to, and covenants  with, the Seller,  the
Trustee  and the Master  Servicer  (as  defined  in the  Pooling  and  Servicing
Agreement (the  "Agreement"),  dated as of ___________ 1, ____ among Residential
Funding  Corporation as Master  Servicer,  Residential  Accredit Loans,  Inc. as
depositor pursuant to Section 5.02 of the Agreement and  __________________,  as
trustee, as follows:

(a)     The  Buyer  understands  that the  Rule  144A  Securities  have not been
        registered under the 1933 Act or the securities laws of any state.

(b)     The Buyer considers  itself a substantial,  sophisticated  institutional
        investor  having such knowledge and experience in financial and business
        matters  that it is  capable  of  evaluating  the  merits  and  risks of
        investment in the Rule 144A Securities.
<PAGE>

(c)     The Buyer has been  furnished  with all  information  regarding the Rule
        144A  Securities  that it has requested from the Seller,  the Trustee or
        the Servicer.

(d)  Neither the Buyer nor anyone acting on its behalf has offered, transferred,
     pledged,  sold or  otherwise  disposed  of the Rule  144A  Securities,  any
     interest in the Rule 144A  Securities or any other similar  security to, or
     solicited  any  offer  to  buy  or  accept  a  transfer,  pledge  or  other
     disposition  of the Rule 144A  Securities,  any  interest  in the Rule 144A
     Securities or any other similar  security from, or otherwise  approached or
     negotiated  with respect to the Rule 144A  Securities,  any interest in the
     Rule 144A Securities or any other similar  security with, any person in any
     manner, or made any general solicitation by means of general advertising or
     in any other  manner,  or taken any other action,  that would  constitute a
     distribution of the Rule 144A  Securities  under the 1933 Act or that would
     render the disposition of the Rule 144A Securities a violation of Section 5
     of the 1933 Act or require registration  pursuant thereto, nor will it act,
     nor has it  authorized  or will it  authorize  any  person to act,  in such
     manner with respect to the Rule 144A Securities.

(e)  The Buyer is a "qualified  institutional  buyer" as that term is defined in
     Rule  144A  under  the 1933 Act and has  completed  either  of the forms of
     certification  to that  effect  attached  hereto as Annex 1 or Annex 2. The
     Buyer is aware that the sale to it is being made in  reliance on Rule 144A.
     The Buyer is acquiring the Rule 144A  Securities for its own account or the
     accounts of other qualified  institutional  buyers,  understands  that such
     Rule 144A  Securities may be resold,  pledged or transferred  only (i) to a
     person  reasonably  believed  to be a  qualified  institutional  buyer that
     purchases   for  its  own  account  or  for  the  account  of  a  qualified
     institutional  buyer to whom  notice is given  that the  resale,  pledge or
     transfer  is being made in  reliance  on Rule  144A,  or (ii)  pursuant  to
     another exemption from registration under the 1933 Act.

               [3.    The Buyer

(a)     is not an  employee  benefit  or other plan  subject  to the  prohibited
        transaction provisions of the Employee Retirement Income Security Act of
        1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code
        of 1986,  as amended  (a  "Plan"),  or any other  person  (including  an
        investment  manager, a named fiduciary or a trustee of any Plan) acting,
        directly or indirectly,  on behalf of or purchasing any Certificate with
        "plan assets" of any Plan within the meaning of the  Department of Labor
        ("DOL") regulation at 29 C.F.R. ss. 2510.3-101; or

(b)     is an  insurance  company,  the  source  of  funds  to be  used by it to
        purchase the  Certificates  is an "insurance  company  general  account"
        (within  the  meaning  of DOL  Prohibited  Transaction  Class  Exemption
        ("PTCE")  95-60),  and the  purchase is being made in reliance  upon the
        availability  of the exemptive  relief afforded under Sections I and III
        of PTCE 95-60.]

               4. This document may be executed in one or more  counterparts and
        by the different parties hereto on separate counterparts, each of which,
        when so executed,  shall be deemed to be an original; such counterparts,
        together, shall constitute one and the same document.
<PAGE>

               IN  WITNESS  WHEREOF,  each  of the  parties  has  executed  this
document as of the date set forth below.

Print Name of Seller                              Print Name of Buyer
By:                                               By:
   ------------------------------------------
   Name:                                             Name:
   Title:                                            Title:
Taxpayer Identification                           Taxpayer Identification:
No.                                               No:
   ------------------------------------------
Date:                                             Date:
     ----------------------------------------

<PAGE>

                              ANNEX 1 TO EXHIBIT J

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

             [For Buyers Other Than Registered Investment Companies]

               The  undersigned  hereby  certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:

1. As  indicated  below,  the  undersigned  is the  President,  Chief  Financial
Officer, Senior Vice President or other executive officer of the Buyer.

2. In  connection  with  purchases  by the  Buyer,  the  Buyer  is a  "qualified
institutional  buyer" as that term is defined in Rule 144A under the  Securities
Act of 1933  ("Rule  144A")  because (i) the Buyer  owned  and/or  invested on a
discretionary basis $ in securities (except for the excluded securities referred
to below) as of the end of the  Buyer's  most recent  fiscal  year (such  amount
being  calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the
criteria in the category marked below.

--   Corporation,  etc. The Buyer is a corporation  (other than a bank,  savings
     and loan  association  or similar  institution),  Massachusetts  or similar
     business  trust,  partnership,  or  charitable  organization  described  in
     Section 501(c)(3) of the Internal Revenue Code.

--   Bank.  The Buyer (a) is a national  bank or banking  institution  organized
     under the laws of any State,  territory or the  District of  Columbia,  the
     business of which is substantially confined to banking and is supervised by
     the State or  territorial  banking  commission or similar  official or is a
     foreign bank or equivalent institution, and (b) has an audited net worth of
     at  least  $25,000,000  as  demonstrated  in its  latest  annual  financial
     statements, a copy of which is attached hereto.

--   Savings and Loan. The Buyer (a) is a savings and loan association, building
     and loan association,  cooperative bank,  homestead  association or similar
     institution,  which  is  supervised  and  examined  by a State  or  Federal
     authority  having  supervision  over any such  institutions or is a foreign
     savings  and loan  association  or  equivalent  institution  and (b) has an
     audited net worth of at least  $25,000,000  as  demonstrated  in its latest
     annual financial statements.

--   Broker-Dealer.  The Buyer is a dealer registered  pursuant to Section 15 of
     the Securities Exchange Act of 1934.

--   Insurance  Company.  The Buyer is an insurance  company  whose  primary and
     predominant business activity is the writing of insurance or the reinsuring
     of risks  underwritten  by  insurance  companies  and which is  subject  to
     supervision by the insurance  commissioner or a similar  official or agency
     of a State or territory or the District of Columbia.
<PAGE>

--   State or Local Plan.  The Buyer is a plan  established  and maintained by a
     State, its political subdivisions,  or any agency or instrumentality of the
     State or its political subdivisions, for the benefit of its employees.

--   ERISA  Plan.  The Buyer is an employee  benefit  plan within the meaning of
     Title I of the Employee Retirement Income Security Act of 1974.

--   Investment Adviser. The Buyer is an investment adviser registered under the
     Investment Advisers Act of 1940.

--   SBIC. The Buyer is a Small Business Investment Company licensed by the U.S.
     Small  Business  Administration  under  Section  301(c) or (d) of the Small
     Business Investment Act of 1958.

--   Business  Development  Company. The Buyer is a business development company
     as defined in Section 202(a)(22) of the Investment Advisers Act of 1940.

--   Trust  Fund.  The Buyer is a trust  fund  whose  trustee is a bank or trust
     company and whose  participants  are exclusively (a) plans  established and
     maintained  by a  State,  its  political  subdivisions,  or any  agency  or
     instrumentality of the State or its political subdivisions, for the benefit
     of its employees, or (b) employee benefit plans within the meaning of Title
     I of the Employee  Retirement  Income  Security  Act of 1974,  but is not a
     trust fund that includes as participants  individual retirement accounts or
     H.R. 10 plans.

3. The term  "securities"  as used herein does not  include  (i)  securities  of
issuers that are affiliated with the Buyer,  (ii) securities that are part of an
unsold  allotment  to or  subscription  by the Buyer,  if the Buyer is a dealer,
(iii) bank deposit notes and certificates of deposit,  (iv) loan participations,
(v) repurchase  agreements,  (vi)  securities  owned but subject to a repurchase
agreement and (vii) currency, interest rate and commodity swaps.

4. For purposes of determining the aggregate  amount of securities  owned and/or
invested on a discretionary  basis by the Buyer, the Buyer used the cost of such
securities to the Buyer and did not include any of the securities referred to in
the preceding  paragraph.  Further,  in determining such aggregate  amount,  the
Buyer may have included  securities owned by subsidiaries of the Buyer, but only
if such subsidiaries are consolidated with the Buyer in its financial statements
prepared in accordance with generally accepted accounting  principles and if the
investments  of such  subsidiaries  are  managed  under the  Buyer's  direction.
However,  such  securities  were not included if the Buyer is a  majority-owned,
consolidated  subsidiary  of  another  enterprise  and the Buyer is not itself a
reporting company under the Securities Exchange Act of 1934.

5. The Buyer  acknowledges  that it is familiar  with Rule 144A and  understands
that the seller to it and other parties related to the  Certificates are relying
and will  continue to rely on the  statements  made  herein  because one or more
sales to the Buyer may be in reliance on Rule 144A.
<PAGE>

                           Will the Buyer be purchasing the Rule 144A
Yes           No           Securities only for the Buyer's own account?

6. If the answer to the  foregoing  question is "no",  the Buyer agrees that, in
connection  with any purchase of securities sold to the Buyer for the account of
a third party  (including  any separate  account) in reliance on Rule 144A,  the
Buyer will only  purchase for the account of a third party that at the time is a
"qualified  institutional  buyer"  within the meaning of Rule 144A. In addition,
the Buyer agrees that the Buyer will not purchase  securities  for a third party
unless the Buyer has  obtained a current  representation  letter from such third
party or taken other  appropriate  steps  contemplated  by Rule 144A to conclude
that  such  third  party   independently  meets  the  definition  of  "qualified
institutional buyer" set forth in Rule 144A.

7. The Buyer will notify each of the parties to which this certification is made
of any changes in the information and conclusions  herein.  Until such notice is
given,   the  Buyer's  purchase  of  Rule  144A  Securities  will  constitute  a
reaffirmation of this certification as of the date of such purchase.

                               Print Name of Buyer

                                            By:
                                                 -------------------------------
                                      Name:
                                     Title:

                                            Date:
                                                 -------------------------------

<PAGE>

                              ANNEX 2 TO EXHIBIT J

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

              [For Buyers That Are Registered Investment Companies]

               The  undersigned  hereby  certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:

8. As indicated below, the undersigned is the President, Chief Financial Officer
or  Senior  Vice  President  of the  Buyer  or,  if the  Buyer  is a  "qualified
institutional  buyer" as that term is defined in Rule 144A under the  Securities
Act of 1933  ("Rule  144A")  because  Buyer  is part of a Family  of  Investment
Companies (as defined below), is such an officer of the Adviser.

9.  In  connection   with  purchases  by  Buyer,   the  Buyer  is  a  "qualified
institutional  buyer" as  defined in SEC Rule 144A  because  (i) the Buyer is an
investment company registered under the Investment Company Act of 1940, and (ii)
as marked below, the Buyer alone, or the Buyer's Family of Investment Companies,
owned at least  $100,000,000 in securities  (other than the excluded  securities
referred to below) as of the end of the Buyer's  most recent  fiscal  year.  For
purposes  of  determining  the  amount of  securities  owned by the Buyer or the
Buyer's Family of Investment Companies, the cost of such securities was used.

--             The  Buyer  owned  $  in  securities  (other  than  the  excluded
               securities  referred to below) as of the end of the Buyer's  most
               recent  fiscal year (such amount being  calculated  in accordance
               with Rule 144A).

--             The Buyer is part of a Family of Investment Companies which owned
               in  the  aggregate  $ in  securities  (other  than  the  excluded
               securities  referred to below) as of the end of the Buyer's  most
               recent  fiscal year (such amount being  calculated  in accordance
               with Rule 144A).

10. The term "Family of  Investment  Companies" as used herein means two or more
registered   investment  companies  (or  series  thereof)  that  have  the  same
investment  adviser or  investment  advisers that are  affiliated  (by virtue of
being majority owned  subsidiaries  of the same parent or because one investment
adviser is a majority owned subsidiary of the other).

11. The term  "securities"  as used herein does not  include (i)  securities  of
issuers that are affiliated  with the Buyer or are part of the Buyer's Family of
Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii)
loan  participations,  (iv)  repurchase  agreements,  (v)  securities  owned but
subject to a repurchase agreement and (vi) currency, interest rate and commodity
swaps.

12.  The  Buyer is  familiar  with Rule  144A and  understands  that each of the
parties to which this  certification  is made are relying  and will  continue to
rely on the  statements  made herein because one or more sales to the Buyer will
be in reliance on Rule 144A.  In addition,  the Buyer will only purchase for the
Buyer's own account.
<PAGE>

13. The undersigned will notify each of the parties to which this  certification
is made of any changes in the  information and  conclusions  herein.  Until such
notice,  the  Buyer's  purchase  of  Rule  144A  Securities  will  constitute  a
reaffirmation  of this  certification  by the undersigned as of the date of such
purchase.

                               Print Name of Buyer

                                            By:
                                                 -------------------------------
                                                 Name:
                                                      --------------------------
                                                 Title:
                                                       -------------------------

                                            IF AN ADVISER:

                               Print Name of Buyer

                                            Date:
                                                 -------------------------------

<PAGE>

                                    EXHIBIT K

                   [TEXT OF AMENDMENT TO POOLING AND SERVICING
                  AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A
                                LIMITED GUARANTY]

                                   ARTICLE XII

             Subordinate Certificate Loss Coverage; Limited Guaranty

               Section 12.01.  Subordinate  Certificate  Loss Coverage;  Limited
Guaranty.  (a) Subject to subsection (c) below,  prior to the later of the third
Business Day prior to each Distribution Date or the related  Determination Date,
the Master  Servicer  shall  determine  whether it or any  Sub-Servicer  will be
entitled to any  reimbursement  pursuant to Section 4.02(a) on such Distribution
Date for Advances or Sub-Servicer  Advances  previously made, (which will not be
Advances or Sub-Servicer  Advances that were made with respect to  delinquencies
which were  subsequently  determined to be Excess Special Hazard Losses,  Excess
Fraud Losses,  Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the
Master Servicer shall demand payment from Residential Funding of an amount equal
to the amount of any Advances or Sub-Servicer  Advances  reimbursed  pursuant to
Section 4.02(a),  to the extent such Advances or Sub-Servicer  Advances have not
been included in the amount of the Realized Loss in the related  Mortgage  Loan,
and  shall  distribute  the same to the Class B  Certificateholders  in the same
manner as if such amount were to be distributed pursuant to Section 4.02(a).

               (b) Subject to  subsection  (c) below,  prior to the later of the
third Business Day prior to each Distribution Date or the related  Determination
Date, the Master  Servicer shall  determine  whether any Realized  Losses (other
than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses
and Extraordinary  Losses) will be allocated to the Class B Certificates on such
Distribution  Date  pursuant to Section  4.05,  and, if so, the Master  Servicer
shall demand  payment from  Residential  Funding of the amount of such  Realized
Loss and shall distribute the same to the Class B Certificateholders in the same
manner as if such amount  were to be  distributed  pursuant to Section  4.02(a);
provided, however, that the amount of such demand in respect of any Distribution
Date shall in no event be greater than the sum of (i) the  additional  amount of
Accrued  Certificate  Interest  that  would  have  been  paid  for  the  Class B
Certificateholders  on such  Distribution  Date had such Realized Loss or Losses
not occurred plus (ii) the amount of the reduction in the Certificate  Principal
Balances  of the  Class B  Certificates  on such  Distribution  Date due to such
Realized  Loss or Losses.  Notwithstanding  such payment,  such Realized  Losses
shall be deemed to have been borne by the  Certificateholders  for  purposes  of
Section  4.05.  Excess  Special  Hazard  Losses,  Excess  Fraud  Losses,  Excess
Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates
will not be covered by the Subordinate Certificate Loss Obligation.

               (c) Demands for payments  pursuant to this Section  shall be made
prior to the later of the third Business Day prior to each  Distribution Date or
the  related  Determination  Date by the Master  Servicer  with  written  notice
thereof to the Trustee.  The maximum  amount that  Residential  Funding shall be
required to pay pursuant to this Section on any  Distribution  Date (the "Amount

<PAGE>

Available")  shall  be  equal  to the  lesser  of (X)  minus  the sum of (i) all
previous  payments made under  subsections (a) and (b) hereof and (ii) all draws
under the Limited  Guaranty made in lieu of such payments as described  below in
subsection (d) and (Y) the then outstanding  Certificate  Principal  Balances of
the Class B Certificates, or such lower amount as may be established pursuant to
Section 12.02.  Residential  Funding's  obligations as described in this Section
are referred to herein as the "Subordinate Certificate Loss Obligation."

               (d) The Trustee will promptly  notify General  Motors  Acceptance
Corporation of any failure of Residential Funding to make any payments hereunder
and  shall  demand  payment  pursuant  to the  limited  guaranty  (the  "Limited
Guaranty"),  executed by General Motors Acceptance  Corporation,  of Residential
Funding's  obligation  to make payments  pursuant to this Section,  in an amount
equal to the lesser of (i) the Amount Available and (ii) such required payments,
by  delivering to General  Motors  Acceptance  Corporation a written  demand for
payment by wire  transfer,  not later than the second  Business Day prior to the
Distribution Date for such month, with a copy to the Master Servicer.

               (e) All payments  made by  Residential  Funding  pursuant to this
Section or amounts paid under the Limited  Guaranty shall be deposited  directly
in the Certificate  Account,  for distribution on the Distribution Date for such
month to the Class B Certificateholders.

               (f) The Company shall have the option, in its sole discretion, to
substitute  for  either  or  both of the  Limited  Guaranty  or the  Subordinate
Certificate  Loss  Obligation  another  instrument  in the  form of a  corporate
guaranty,  an irrevocable  letter of credit, a surety bond,  insurance policy or
similar  instrument  or a reserve fund;  provided  that (i) the Company  obtains
(subject to the provisions of Section 10.01(f) as if the Company was substituted
for the Master Servicer solely for the purposes of such provision) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
obtaining such  substitute  corporate  guaranty,  irrevocable  letter of credit,
surety bond,  insurance  policy or similar  instrument  or reserve fund will not
cause  either (a) any  federal  tax to be imposed on the Trust  Fund,  including
without limitation,  any federal tax imposed on "prohibited  transactions" under
Section  860(F)(a)(1) of the Code or on  "contributions  after the startup date"
under Section  860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify
as a REMIC at any time that any  Certificate  is  outstanding,  and (ii) no such
substitution  shall  be made  unless  (A) the  substitute  Limited  Guaranty  or
Subordinate  Certificate  Loss Obligation is for an initial amount not less than
the then  current  Amount  Available  and  contains  provisions  that are in all
material  respects  equivalent to the original  Limited  Guaranty or Subordinate
Certificate   Loss   Obligation   (including   that  no  portion  of  the  fees,
reimbursements  or other  obligations under any such instrument will be borne by
the Trust  Fund),  (B) the long  term debt  obligations  of any  obligor  of any
substitute  Limited Guaranty or Subordinate  Certificate Loss Obligation (if not
supported by the Limited Guaranty) shall be rated at least the lesser of (a) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation  as of the date of  issuance  of the  Limited  Guaranty  and (b) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation at the date of such substitution and (C) the Company obtains written
confirmation from each nationally recognized credit rating agency that rated the
Class B Certificates at the request of the Company that such substitution  shall
not lower the  rating on the Class B  Certificates  below the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating

<PAGE>

agency. Any replacement of the Limited Guaranty or Subordinate  Certificate Loss
Obligation pursuant to this Section shall be accompanied by a written Opinion of
Counsel to the substitute guarantor or obligor, addressed to the Master Servicer
and the Trustee, that such substitute instrument  constitutes a legal, valid and
binding  obligation  of the  substitute  guarantor  or obligor,  enforceable  in
accordance  with its terms,  and  concerning  such  other  matters as the Master
Servicer and the Trustee  shall  reasonably  request.  Neither the Company,  the
Master  Servicer nor the Trustee shall be obligated to substitute for or replace
the Limited  Guaranty  or  Subordinate  Certificate  Loss  Obligation  under any
circumstance.

               Section  12.02.  Amendments  Relating  to the  Limited  Guaranty.
Notwithstanding  Sections 11.01 or 12.01: (i) the provisions of this Article XII
may be amended,  superseded or deleted, (ii) the Limited Guaranty or Subordinate
Certificate Loss Obligation may be amended,  reduced or canceled,  and (iii) any
other  provision of this Agreement which is related or incidental to the matters
described  in this  Article  XII may be amended in any  manner;  in each case by
written  instrument  executed or  consented  to by the  Company and  Residential
Funding but without the consent of any Certificateholder and without the consent
of the Master  Servicer or the Trustee being required  unless any such amendment
would impose any  additional  obligation on, or otherwise  adversely  affect the
interests of, the Master Servicer or the Trustee,  as applicable;  provided that
the Company shall also obtain a letter from each  nationally  recognized  credit
rating agency that rated the Class B Certificates  at the request of the Company
to the effect that such amendment,  reduction, deletion or cancellation will not
lower  the  rating  on the  Class B  Certificates  below  the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating
agency, unless (A) the Holder of 100% of the Class B Certificates is Residential
Funding  or  an  Affiliate  of  Residential  Funding,  or  (B)  such  amendment,
reduction,  deletion or cancellation is made in accordance with Section 11.01(e)
and,  provided  further that the Company  obtains  (subject to the provisions of
Section  10.01(f)  as if the  Company was  substituted  for the Master  Servicer
solely for the purposes of such provision),  in the case of a material amendment
or  supercession  (but not a reduction,  cancellation or deletion of the Limited
Guaranty or the Subordinate Certificate Loss Obligation),  an Opinion of Counsel
(which  need not be an opinion of  Independent  counsel)  to the effect that any
such amendment or  supercession  will not cause either (a) any federal tax to be
imposed on the Trust Fund, including without limitation, any federal tax imposed
on  "prohibited  transactions"  under  Section  860F(a)(1)  of  the  Code  or on
"contributions  after the startup date" under Section  860G(d)(1) of the Code or
(b) the  Trust  Fund to  fail  to  qualify  as a  REMIC  at any  time  that  any
Certificate is outstanding.  A copy of any such instrument  shall be provided to
the Trustee and the Master  Servicer  together  with an Opinion of Counsel  that
such amendment complies with this Section 12.02.

<PAGE>

                                    EXHIBIT L

                           [FORM OF LIMITED GUARANTY]

                                LIMITED GUARANTY

                        RESIDENTIAL ACCREDIT LOANS, INC.

                 Mortgage Asset-Backed Pass-Through Certificates
                                 Series ____-___

                                                            , 200
                                                ------------     ----

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

Ladies and Gentlemen:

               WHEREAS,  Residential Funding Corporation, a Delaware corporation
("Residential  Funding"),  an indirect wholly-owned subsidiary of General Motors
Acceptance Corporation,  a New York corporation ("GMAC"), plans to incur certain
obligations  as  described  under  Section  12.01 of the Pooling  and  Servicing
Agreement  dated as of ___________ 1, ____ (the  "Servicing  Agreement"),  among
Residential  Accredit  Loans,  Inc.  (the  "Company"),  Residential  Funding and
__________________ (the "Trustee") as amended by Amendment No. thereto, dated as
of , with respect to the Mortgage Asset-Backed Pass-Through Certificates, Series
____-___ (the "Certificates"); and

               WHEREAS,  pursuant to Section 12.01 of the  Servicing  Agreement,
Residential  Funding  agrees  to make  payments  to the  Holders  of the Class B
Certificates  with respect to certain  losses on the Mortgage Loans as described
in the Servicing Agreement; and

               WHEREAS,  GMAC desires to provide certain assurances with respect
to the ability of Residential  Funding to secure sufficient funds and faithfully
to perform its Subordinate Certificate Loss Obligation;

               NOW THEREFORE,  in consideration of the premises herein contained
and  certain  other good and  valuable  consideration,  the  receipt of which is
hereby acknowledged, GMAC agrees as follows:

1.  Provision  of  Funds.  (a) GMAC  agrees to  contribute  and  deposit  in the
Certificate  Account on behalf of Residential  Funding (or otherwise  provide to
Residential  Funding, or to cause to be made available to Residential  Funding),
either  directly  or  through a  subsidiary,  in any case  prior to the  related
Distribution  Date,  such moneys as may be required  by  Residential  Funding to
perform its Subordinate  Certificate Loss Obligation when and as the same arises
from time to time upon the demand of the  Trustee  in  accordance  with  Section
12.01 of the Servicing Agreement.

<PAGE>

               (b) The agreement set forth in the preceding  clause (a) shall be
absolute,  irrevocable  and  unconditional  and  shall  not be  affected  by the
transfer by GMAC or any other person of all or any part of its or their interest
in Residential  Funding,  by any  insolvency,  bankruptcy,  dissolution or other
proceeding affecting  Residential Funding or any other person, by any defense or
right of  counterclaim,  set-off  or  recoupment  that  GMAC  may  have  against
Residential  Funding or any other  person or by any other fact or  circumstance.
Notwithstanding  the  foregoing,  GMAC's  obligations  under  clause  (a)  shall
terminate  upon  the  earlier  of (x)  substitution  for this  Limited  Guaranty
pursuant to Section 12.01(f) of the Servicing Agreement,  or (y) the termination
of the Trust Fund pursuant to the Servicing Agreement.

2. Waiver.  GMAC hereby  waives any failure or delay on the part of  Residential
Funding, the Trustee or any other person in asserting or enforcing any rights or
in making any claims or demands hereunder.  Any defective or partial exercise of
any such rights shall not preclude any other or further  exercise of that or any
other such right.  GMAC further waives demand,  presentment,  notice of default,
protest, notice of acceptance and any other notices with respect to this Limited
Guaranty,  including,  without  limitation,  those of action or nonaction on the
part of Residential Funding or the Trustee.

3.  Modification,  Amendment  and  Termination.  This  Limited  Guaranty  may be
modified,  amended or terminated  only by the written  agreement of GMAC and the
Trustee and only if such  modification,  amendment or  termination  is permitted
under Section 12.02 of the Servicing  Agreement.  The  obligations of GMAC under
this  Limited  Guaranty  shall  continue  and  remain  in  effect so long as the
Servicing  Agreement is not modified or amended in any way that might affect the
obligations  of GMAC under  this  Limited  Guaranty  without  the prior  written
consent of GMAC.

4.  Successor.  Except as otherwise  expressly  provided  herein,  the guarantee
herein set forth shall be binding upon GMAC and its respective successors.

5.  Governing  Law. This Limited  Guaranty  shall be governed by the laws of the
State of New York.

6.  Authorization  and Reliance.  GMAC  understands  that a copy of this Limited
Guaranty  shall be delivered to the Trustee in connection  with the execution of
Amendment  No. 1 to the  Servicing  Agreement  and GMAC  hereby  authorizes  the
Company  and the  Trustee  to rely on the  covenants  and  agreements  set forth
herein.

7.  Definitions.  Capitalized  terms used but not otherwise defined herein shall
have the meaning given them in the Servicing Agreement.

8.  Counterparts.  This  Limited  Guaranty  may be  executed  in any  number  of
counterparts,  each  of  which  shall  be  deemed  to be an  original  and  such
counterparts shall constitute but one and the same instrument.
<PAGE>

               IN WITNESS  WHEREOF,  GMAC has caused this Limited Guaranty to be
executed and delivered by its respective  officers  thereunto duly authorized as
of the day and year first above written.

                                            GENERAL MOTORS ACCEPTANCE
                                            CORPORATION

                                            By:
                                               --------------------------------
                                            Name:
                                                 ------------------------------
                                            Title:
                                                  -----------------------------

Acknowledged by:

------------------,
    as Trustee

By:
   ------------------------------------------------
Name:
     ----------------------------------------------
Title:
      ---------------------------------------------

RESIDENTIAL ACCREDIT LOANS, INC.

By:
   ------------------------------------------------
Name:
     ----------------------------------------------
Title:
      ---------------------------------------------

<PAGE>

                                    EXHIBIT M

          FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN

                                                            , 20
                                                   ---------    --------

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota  55437

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates, Series
                                                                       -------
                      ____-___ Assignment of Mortgage Loan

Ladies and Gentlemen:

     This letter is delivered to you in connection  with the  assignment by (the
"Trustee")  to (the  "Lender")  of (the  "Mortgage  Loan")  pursuant  to Section
3.13(d) of the Pooling and  Servicing  Agreement  (the  "Pooling  and  Servicing
Agreement"),  dated as of ___________ 1, ____ among Residential  Accredit Loans,
Inc., as seller (the  "Company"),  Residential  Funding  Corporation,  as master
servicer, and the Trustee. All terms used herein and not otherwise defined shall
have the meanings set forth in the Pooling and Servicing  Agreement.  The Lender
hereby  certifies,  represents  and warrants to, and covenants  with, the Master
Servicer and the Trustee that:

(i) the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction
in which an  assignment  in lieu of  satisfaction  is required to preserve  lien
priority,  minimize or avoid mortgage  recording taxes or otherwise comply with,
or facilitate a refinancing under, the laws of such jurisdiction;

(ii) the substance of the assignment is, and is intended to be, a refinancing of
such Mortgage Loan and the form of the  transaction is solely to comply with, or
facilitate the transaction under, such local laws;

(iii) the Mortgage Loan  following the proposed  assignment  will be modified to
have a rate of  interest  at least  0.25  percent  below  or  above  the rate of
interest on such Mortgage Loan prior to such proposed assignment; and

(iv) such  assignment  is at the  request  of the  borrower  under  the  related
     Mortgage Loan.

                                Very truly yours,

                                            (Lender)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

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                                               1

                                    EXHIBIT N

                          FORM OF REQUEST FOR EXCHANGE

                                             [DATE]

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               Re:    Residential Accredit Loans, Inc.,
                      Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___

               Residential Funding Corporation,  as the Holder of a % Percentage
Interest of the [Interest Only/Class A-V][-1] Certificates,  hereby requests the
Trustee  to  exchange  the  above-referenced  Certificates  for  the  Subclasses
referred to below:

1.   [Interest  Only/Class  A-V]-  Certificates,  corresponding to the following
     Uncertificated REMIC Regular Interests:  [List numbers corresponding to the
     related  loans and Pool Strip Rates from the Mortgage Loan  Schedule].  The
     initial Subclass  Notional Amount and the Initial  Pass-Through Rate on the
     [Interest Only/Class A-V]- Certificates will be $ and %, respectively.

2.      [Repeat as appropriate.]

               The  Subclasses  requested  above will represent in the aggregate
all of the Uncertificated  REMIC Regular Interests  represented by the [Interest
Only/Class A-V][-1] Certificates surrendered for exchange.

               All capitalized  terms used but not defined herein shall have the
meanings  set  forth  in  the  Pooling  and  Servicing  Agreement,  dated  as of
___________ 1, ____, among Residential Accredit Loans, Inc., Residential Funding
Corporation and __________________, as trustee.

                                            RESIDENTIAL FUNDING CORPORATION

                                            By:
                                               ---------------------------------
                                            Name:
                                            Title:

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                                  EXHIBIT FIVE

                CERTIFICATE POLICY OF MBIA INSURANCE CORPORATION

                                    [ON FILE]

<PAGE>

                                   EXHIBIT SIX

                         FORM OF FORM 10-K CERTIFICATION

        I, [identify the certifying individual], certify that:

        1. I have  reviewed  the annual  report on Form 10-K for the fiscal year
[____], and all reports on Form 8-K containing distribution or servicing reports
filed in respect of periods  included in the year covered by that annual report,
of the trust (the  "Trust")  created  pursuant  to the Series  Supplement  dated
___________________  to the Standard  Terms of Pooling and  Servicing  Agreement
dated  ____________________  (together,  the "P&S Agreement")  among Residential
Accredit Loans,  Inc. (the  "Company"),  Residential  Funding  Corporation  (the
"Master Servicer") and [Name of Trustee] (the "Trustee");

        2. Based on my knowledge,  the information in these reports,  taken as a
whole, does not contain any untrue statement of a material fact or omit to state
a  material  fact  necessary  to make  the  statements  made,  in  light  of the
circumstances  under which such  statements  were made, not misleading as of the
last day of the period covered by that annual report;

     3. Based on my knowledge, the servicing information required to be provided
to the Trustee by the Master  Servicer  under the P&S  Agreement  is included in
these reports;

        4. I am responsible for reviewing the activities performed by the Master
Servicer  under the P&S Agreement and based upon the review  required  under the
P&S Agreement,  and, except as disclosed in the report,  the Master Servicer has
fulfilled its obligations under the P&S Agreement; and

        5. I have disclosed to the Company's  certified  public  accountants all
significant  deficiencies  relating to the Master Servicer's compliance with the
minimum servicing  standards in accordance with a review conducted in compliance
with the Uniform Single Attestation Program for Mortgage Bankers as set forth in
the P&S Agreement.

Date:_______________________

____________________________*
Name:
Title:

*    to be signed by the senior officer in charge of the servicing  functions of
     the Master Servicer

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                                  EXHIBIT SEVEN

            [FORM OF BACK-UP CERTIFICATION TO FORM 10-K CERTIFICATE]

        The  undersigned,  a Responsible  Officer of [_________] (the "Trustee")
certifies that:

        (a) The Trustee has performed all of the duties specifically required to
be  performed  by it pursuant  to the  provisions  of the Pooling and  Servicing
Agreement  dated  as  of  [_________],  2002  (the  "Agreement")  by  and  among
[__________], as depositor, Residential Funding Corporation, as master servicer,
and the Trustee in accordance with the standards set forth therein.

        (b) Based on my  knowledge,  the  information  that is  provided  by the
Trustee  pursuant to Section  4.03(e)(I)  of the Agreement is accurate as of the
last day of the 20[ ] calendar year.

        Capitalized  terms used and not defined  herein  shall have the meanings
given such terms in the Agreement.

        IN  WITNESS  WHEREOF,  I  have  duly  executed  this  certificate  as of
_________, 20__.]

                                                                 Name:
                                                                 Title:

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