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Unassociated Document

EXHIBIT 10.5

 

ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT

This is an Assignment, Assumption and Recognition Agreement (the “Agreement”) made as of the 27th day of September, 2011, among Redwood Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware corporation (“Depositor”), U.S. Bank National Association, a national banking association, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” or the “Assignee”) under a Pooling and Servicing Agreement dated as of September 1, 2011 (the “Pooling Agreement”), and Wells Fargo Bank, N.A., a national banking association (the “Bank”).

In consideration of the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed on Attachment 1 annexed hereto (the “Mortgage Loan Schedule”) now serviced by the Bank (together with its successors and assigns, the “Servicer”) for Assignor and its successors and assigns pursuant to the Mortgage Loan Sale and Servicing Agreement dated as of July 1, 2011, between Assignor and the Bank (the “Sale and Servicing Agreement”) and the servicing thereof shall be subject to the terms of the Sale and Servicing Agreement as modified or supplemented by this Agreement.  Capitalized terms used herein but not defined shall have the meanings ascribed to them in the Sale and Servicing Agreement.  Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage Loan Purchase and Sale Agreement dated the date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the Pooling Agreement.

Assignment and Assumption

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

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

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

  

  

  

4.           The Bank hereby acknowledges the foregoing assignments and assumptions and agrees that Assignee shall be the “Purchaser” under the Sale and Servicing Agreement with respect to the Mortgage Loans.

Representations and Warranties

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

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

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

(c)            There are no offsets, counterclaims or other defenses available to the Bank with respect to the Sale and Servicing Agreement;

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

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

  

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

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

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

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

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

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

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

  

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

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

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

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

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

  

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

Restated Bank Representations and Warranties

9.           The Bank hereby restates to Depositor and Assignee (a) the representations and warranties set forth in Subsection 7.01 of the Sale and Servicing Agreement as of the related Closing Date (as defined in the Sale and Servicing Agreement) and (b) the representations and warranties set forth in Subsection 7.02 of the Sale and Servicing Agreement as of the date hereof, as if such representations and warranties were set forth herein in full.

In the event of a breach of any representations and warranties referred to in clauses (a) or (b) above as of the related Closing Date (as defined in the Sale and Servicing Agreement) or the date hereof, as the case may be, Assignee shall be entitled to all the remedies under the Sale and Servicing Agreement, subject to the rights of the Controlling Holder pursuant to Paragraph 13.

Repurchase by Assignor Upon Certain Breaches of Representations and Warranties

10.        (a)             Assignor hereby covenants and agrees that, if a breach of any representation and warranty set forth in Subsection 7.01 of the Sale and Servicing Agreement exists on the date hereof that materially and adversely affects the value of any Mortgage Loan or the interest of Assignee in any Mortgage Loan and such breach did not exist as of the Closing Date (as defined in the Sale and Servicing Agreement) of that Mortgage Loan, Assignor shall have a period of 60 days from the earlier of either discovery by or receipt of written notice from Assignee to Assignor of such breach within which to correct or cure such breach.  A breach of representations and warranties in Subsections 7.01(h), (bb), and (vv) shall be deemed to materially and adversely affect the value of the related Mortgage Loan or the interest of the Assignee therein.  Assignor hereby covenants and agrees that if any breach cannot be corrected or cured within such 60 day period, then Assignor shall repurchase the related Mortgage Loan at the Repurchase Price not later than 90 days after its discovery or receipt of notice of such breach by wire transfer of immediately available funds to such account as Assignee shall specify to Assignor.

(b)           Assignor and Assignee agree that the resolution of any controversy or claim arising out of or relating to an obligation or alleged obligation of Assignor to repurchase a Mortgage Loan or Mortgage Loans pursuant to Paragraph 10(a) above shall be by Arbitration administered by the American Arbitration Association.  If any such controversy or claim has not been resolved to the satisfaction of both Assignor and Assignee, either party may commence Arbitration to resolve the dispute; provided that a party may commence Arbitration with respect to one or more unresolved allegations only during the months of January, April, July and October, and all matters with respect to which Arbitration has been commenced in any such month shall be heard in a single Arbitration in the immediately following month or as soon as practicable thereafter; and provided further that if any Arbitration arising out of or relating to an obligation or alleged obligation of the Bank to repurchase a Mortgage Loan relating to the same representation and warranty has commenced and is continuing, then such Arbitration shall be joined with the Arbitration commenced hereunder.

  

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

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

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

Recognition of Assignee

           11.           From and after the date hereof, subject to Paragraphs 13 and 14 below, the Bank shall recognize Assignee as owner of the Mortgage Loans and will service the Mortgage Loans and perform its obligations hereunder for the benefit of the Assignee in accordance with the Sale and Servicing Agreement, as modified hereby or as may be amended from time to time, as if Assignee and the Bank had entered into a separate servicing agreement for the purchase and servicing of the Mortgage Loans in the form of the Sale and Servicing Agreement, the terms of which are incorporated herein by reference, as amended by this Agreement.  It is the intention of Assignor, Depositor, the Bank and Assignee that this Agreement, which includes the Sale and Servicing Agreement, shall constitute a separate and distinct purchase and servicing agreement, and the entire agreement, between the Bank and Assignee to the extent of the Mortgage Loans and shall be binding upon and for the benefit of the respective successors and assigns of the parties hereto.

  

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

Continuing Rights and Responsibilities

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

	
  

	
Sale and Servicing Agreement:

 

	
Section or Subsection

	  	
Matter

	  	  	  
	
6.03

	  	
Delivery of Mortgage Loan Documents

	  	  	  
	
7.03

	  	
Repurchase

	  	  	  
	
9

	  	
Transfer of Servicing, Purchase of Servicing and Subservicing

	
11.01, 5th and 7th paragraphs

	
  

	
Servicer to Act as Servicer; Subservicing

	  	  	  
	
11.13, 4th and 5th paragraphs

	  	
Title, Management and Disposition of REO Property

	  	  	  
	
11.20

	
  

	
Servicer Shall Provide Access and Information as Reasonably Required

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

  

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Sale and Servicing Agreement:

 

	
Subsection

	  	
Matter

	
7.05

	  	
Purchase Price Protection

	  	  	  
	
11.16, 5th paragraph

	
  

	
Regulation AB Compliance

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

	
  

	
Sale and Servicing Agreement:

 

	
Subsection

	  	  
	  	  	  
	
11.09

	  	
Transfer of Accounts

	  	  	  
	
11.16

	
  

	
Statements to the Purchaser

(d)           If any Affiliate of the Depositor is no longer the Controlling Holder under the Pooling Agreement, then all rights and responsibilities assumed by the Controlling Holder pursuant to Paragraph 13(a) shall terminate and revert to Assignee; provided, however, that the rights and responsibilities assumed by the Controlling Holder under the 5th paragraph of Subsection 11.01 of the Sale and Servicing Agreement shall terminate in their entirety as to the Mortgage Loans.  For purposes of clarification with respect to the previous sentence, the requirement of Purchaser’s consent under the 5th paragraph of Subsection 11.01 of the Sale and Servicing Agreement shall also terminate, and not revert to the Assignee.  Assignor will provide thirty (30) days notice to the Bank of any such termination.

  

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Amendments to Sale and Servicing Agreement

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

(a)           Definitions.

(i)           The definitions of “Business Day” and “Stated Principal Balance” set forth in Section 1 of the Sale and Servicing Agreement shall be deleted and replaced in their entirety as follows, and the following definitions of “Affiliate,” “Clean-up Call,” “Controlling Holder,” “Principal Forbearance Amount,” “Securities Administrator” and “Servicing Modification” shall be added to Section 1 of the Sale and Servicing Agreement:

Affiliate: With respect to any specified Person, another Person controlling or controlled by or under common control with such specified Person.  For the purposes of this definition, “control” when used with respect to any specified Person means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of voting securities, by contract or otherwise; and the terms “controlling” and “controlled” have meanings correlative to the foregoing.

Business Day:  Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the states of California, Iowa, Maryland, Minnesota, Missouri, New York or South Carolina,  (iii) a day on which banks in the states of California, Iowa, Maryland, Minnesota, Missouri, New York or South Carolina, are authorized or obligated by law or executive order to be closed or (iv) a day on which the New York Stock Exchange or the Federal Reserve Bank of New York is closed.

Clean-up Call: The optional purchase of the mortgage loans subject to the Pooling Agreement and all property acquired in respect of any such mortgage loan remaining in the trust fund created pursuant to the Pooling Agreement on any date on which the aggregate stated principal balance is less than either 20% or 5%, as applicable, of the aggregate stated principal balance as of September 1, 2011, in accordance with the Pooling Agreement.

Controlling Holder:  At any time, any Affiliate of the Depositor other than the Assignor, so long as such entity is the holder of the majority of the class principal amount of the most subordinate class of certificates issued pursuant to the Pooling Agreement then outstanding with a class principal amount greater than zero; if an Affiliate of the Depositor other than the Assignor is no longer the holder of such certificates, then no entity will have any rights as a Controlling Holder.

  

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

Securities Administrator:  Wells Fargo Bank, N.A., not in its individual capacity but solely as Securities Administrator under the Pooling Agreement, or any successor in interest, or if any successor Securities Administrator shall be appointed as provided in the Pooling Agreement, then such successor Securities Administrator.

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

Stated Principal Balance:  As to any Mortgage Loan and date of determination, the unpaid principal balance of the mortgage loan as of the most recent Due Date as determined by the amortization schedule for the mortgage loan at the time relating thereto after giving effect to any previous Servicing Modification, less any Principal Forbearance Amount created in connection with a Servicing Modification, Full Principal Prepayments, Partial Principal Prepayments allocable to principal and to the payment of principal received prior to such Due Date and irrespective of any delinquency in payment by the related borrower.

(b)           Servicing Standard.  In servicing the Mortgage Loans in accordance with this Agreement and Customary Servicing Procedures, the Servicer shall service the Mortgage Loans with a view to the best interests of all holders of the Sequoia Mortgage Trust 2011-2 Mortgage Pass-Through Certificates as a single class.

If the Controlling Holder notifies the Servicer that it intends to purchase a Mortgage Loan that has been Delinquent for 120 days or more pursuant to the Pooling Agreement, the Servicer will assess the proposed purchase in the same manner as it would assess whether to do a short sale.  If the proposed purchase price equals or exceeds the price at which a short sale would otherwise be effected, the Servicer shall permit such purchase, unless the Servicer receives a more favorable short sale offer.

 

  

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(c)            Segregated Custodial Account.  The Servicer shall establish a Custodial Account pursuant to Subsection 11.04 of the Sale and Servicing Agreement which shall be titled “Wells Fargo Bank, N.A., in trust for U.S. Bank National Association, as trustee of the Sequoia Mortgage Trust 2011-2” (the “2011-2 Custodial Account”), which shall be the Custodial Account under this Agreement for all purposes.  If the 2011-2 Custodial Account is no longer an Eligible Account, the Servicer shall transfer the 2011-2 Custodial Account to an account that is an Eligible Account.  The 2011-2 Custodial Account shall qualify as an Eligible Account.

 (d)            Clean-up Call.  A new Section 33 shall be added to the Sale and Servicing Agreement, to read in its entirety as follows:

SECTION 33.  Clean-up Call.  In the event a Clean-up Call is exercised, the purchaser of the remaining Mortgage Loans (a) shall have all right, title and interest in, to and under the Sale and Servicing Agreement to the extent relating to such Mortgage Loans and (b) shall be bound as “Purchaser” under the Sale and Servicing Agreement from and after the date it exercises the Clean-up Call.  The remaining Mortgage Loans shall be serviced by the Bank for such purchaser in accordance with the terms and conditions of the Sale and Servicing Agreement.  Assignee will provide twenty (20) days notice to the Bank of the exercise of the Clean-up Call.

(e)            Subsection 11.05 is revised by adding clause (e), to be inserted after clause (d), to read in its entirety as follows, and by re-lettering the remaining clauses as applicable:

(j)            to reimburse itself for P&I Advances and Servicing Advances that were added to the outstanding principal balance of a Mortgage Loan in connection with a modification of such Mortgage Loan to capitalize arrearages; provided, that the Servicer shall be entitled to be reimbursed for these amounts only from the principal collections on the Mortgage Loans, including Liquidation Proceeds;

 (f)            REMIC Provisions.  The following paragraph shall be added to the end of Subsection 11.13, to read in its entirety as follows:

 

  

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If a Mortgage Loan is held by a REMIC, the Servicer shall not acquire any real property (or personal property incident to such real property) in respect of such Mortgage Loan except in connection with a default or imminent default of such Mortgage Loan. In the event that a REMIC acquires any real property (or personal property incident to such real property) in connection with a default or imminent default of a Mortgage Loan, such property shall be disposed of by the Servicer as soon as practicable in a manner that, consistent with prudent mortgage loan servicing practices, seeks to maximize the net present value of the recovery to the Trust, but in any event within three years after its acquisition by such REMIC unless the Servicer provides to the Purchaser and the Securities Administrator an Opinion of Counsel to the effect that the holding by such REMIC of such Mortgaged Property subsequent to three years after its acquisition will not result in the imposition of taxes on “prohibited transactions” on such REMIC as defined in Section 860F of the Code or under the law of any state in which real property securing a Mortgage Loan owned by such REMIC is located or cause such REMIC to fail to qualify as a REMIC for federal income tax purposes or for state tax purposes under the laws of any state in which real property securing a Mortgage Loan owned by such REMIC is located at any time that any mortgage pass-through certificates representing interests in such REMIC are outstanding. The Servicer shall conserve, protect and operate each such property for such REMIC solely for the purpose of its prompt disposition and sale in a manner which does not cause such property to fail to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) or result in the receipt by such REMIC of any “income from non-permitted assets” within the meaning of Section 860F(a)(2)(B) of the Code or any “net income from foreclosure property” which is subject to taxation under the REMIC Provisions. Pursuant to its efforts to sell such property, the Servicer shall either itself or through an agent selected by the Servicer protect and conserve such property in the same manner and to such extent as is customary in the locality where such property is located and may, incident to its conservation and protection of the assets of the Trust, rent the same, or any part thereof, as the Servicer deems to be in the best interest of the Trust for the period prior to the sale of such property. Additionally, the Servicer shall perform the tax withholding and shall file information returns with respect to the receipt of mortgage interests received in a trade or business, the reports of foreclosures and abandonments of any Mortgaged Property and the information returns relating to cancellation of indebtedness income with respect to any Mortgaged Property required by Sections 6050H, 6050J and 6050P, respectively, of the Code, and deliver to the Purchaser and the Securities Administrator 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.

(ii)           The following additional provisions shall be added after Subsection 11.23, to read in its entirety as follows:

Subsection 11.24 Compliance with REMIC Provisions.  If a REMIC election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, the Servicer shall not take any action, cause the REMIC to take any action or fail to take (or fail to cause to be taken) any action that, under the REMIC Provisions, if taken or not taken, as the case may be could (i) endanger the status of the REMIC as a REMIC or (ii) result in the imposition of a tax upon the REMIC (including but not limited to the tax on “prohibited transactions” as defined in Section 860F(a)(2) of the Code and the tax on “contribution” to a REMIC set forth in Section 860G(d) of the Code) unless the Servicer has received an Opinion of Counsel (at the expense of the party seeking to take such actions) to the effect that the contemplated action will not endanger such REMIC status or result in the imposition of any such tax.

  

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(g)           Avoidance of Consolidation.  The following Subsection 7.06 shall be added at the end of Section 7, to read in its entirety as follows:

Subsection 7.06  Avoidance of Consolidation.

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

If the Servicer's holding or purchase of a Certificate (or interest therein) does in fact cause such Consolidation, then the last preceding transferee that is not required to Consolidate shall be restored, to the extent permitted by law, to all rights and obligations as owner of such Certificate retroactive to the date of such transfer of such Certificate.  If the Servicer holds or purchases a Certificate (or interest therein) in violation of the restrictions in this Subsection 7.06 and to the extent that the retroactive restoration of the rights of the owner of such Certificate as described in the immediately preceding sentence shall be invalid, illegal or unenforceable, then the Securities Administrator shall have the right, without notice to the owner or any prior owner of such Certificate, to sell such Certificate to a purchaser selected by the Securities Administrator on such terms as the Securities Administrator may choose.  The Servicer shall promptly endorse and deliver such Certificate (or otherwise transfer a book-entry Certificate) in accordance with the instructions of the Securities Administrator.  The proceeds of such sale, net of the commissions (which may include commissions payable to the Securities Administrator or its Affiliates), expenses and taxes due, if any, shall be remitted by the Securities Administrator to the Servicer.  The terms and conditions of any sale under this Subsection 7.06 shall be determined in the sole discretion of the Securities Administrator, and the Securities Administrator shall not be liable to any owner of a Certificate as a result of its exercise of such discretion.  The Servicer shall indemnify and hold harmless the Depositor and the Trust from and against any and all losses, liabilities, claims, costs or expenses incurred by such parties as a result of such holding or purchase resulting in a Consolidation.

 

  

13

  

(b)   The Servicer covenants and agrees that it shall not transfer its servicing rights and duties under this Agreement and the Purchase and Servicing Agreement to an insured depository institution, as such term is defined in the Federal Deposit Insurance Act (an “IDI”) (an IDI in such capacity, an “IDI Servicer Transferee”) unless the Purchaser and the Servicer shall have received a representation from the IDI Servicer Transferee that the acquisition of such servicing rights and duties will not cause the IDI Servicer Transferee to be required to Consolidate any assets of the Trust on its financial statements.  Any IDI Servicer Transferee shall be deemed to have represented by virtue of its acquisition of such servicing rights and duties that such acquisition will not cause Consolidation.  Any IDI Servicer Transferee who acquires such servicing rights and duties without providing the representation described above or whose acquisition of such servicing rights and duties has required it to Consolidate any assets of the Trust on its financial statements shall indemnify and hold harmless the Servicer, the Depositor and the Trust from and against any and all losses, liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition.

(h)           Foreclosure Proceedings.  The first sentence of Subsection 11.13 is hereby deleted and replaced in its entirety with the following:

Subject to Subsection 11.02, in the event that title to the Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be taken in the name of the Trust, where permitted by applicable law or regulation, and where not so permitted, in the name of the trustee of the Trust or its nominee.

(i)           The rights under the Sale and Servicing Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under the Sale and Servicing Agreement as amended by this Agreement.

Miscellaneous

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

	 	
(a) 

	
In the case of the Bank as Seller,

Repurchase demands only:

Wells Fargo Bank, N.A.

8480 Stagecoach Circle

Frederick, Maryland 21701

Attention:  Repurchase Demands, MAC X3802-016

Fax:  (240) 586-5983

All other notices to the Bank as Seller:

Wells Fargo Bank, N.A.

8480 Stagecoach Circle

Frederick, Maryland  21701

Attention:  Transaction Manager, MAC X3802-016

Fax: (240) 586-5983

  

14

  

with a copy to:

Wells Fargo Bank, N.A.

1 Home Campus – MAC X2401-06T

Des Moines, Iowa  50328-0001

Attention: General Counsel – Capital Markets

	 	
(b) 

	
In the case of the Bank as Servicer,

Wells Fargo Bank, N.A.

1 Home Campus

Des Moines, Iowa  50328-0001

Attention: John B. Brown, MAC X2301-04R

Fax: (515) 324-3629

with a copy to:

Wells Fargo Bank, N.A.

1 Home Campus

Des Moines, Iowa  50328-0001

Attention: General Counsel (Capital Markets) – MAC X2401-06T

 

	 	
(c) 

	
In the case of Assignee,

U.S. Bank National Association

60 Livingston Avenue

EP-MN-WS3D

St. Paul, Minnesota, 55107

Attention: Structured Finance – Sequoia Mortgage Loan Trust 2011-2

	 	
(d) 

	
In the case of Depositor,

Sequoia Residential Funding, Inc.

One Belvedere Place, Suite 360

Mill Valley, California 94941

Attention: William Moliski

with a copy to

General Counsel at the same address

  

15

  

	 	
(e) 

	
In the case of Assignor,

Redwood Residential Acquisition Corporation

One Belvedere Place, Suite 360

Mill Valley, California 94941

Attention: William Moliski

with a copy to

General Counsel at the same address

	 	
(f)

	
In the case of Master Servicer,

Wells Fargo Bank, N.A.

9062 Old Annapolis Road

Columbia, Maryland 21045)

Telephone number:  (410) 884-2000

Facsimile number: (410) 715-2380

Electronic mail address:  g=cts-spg-team-a-5@wellsfargo.com

Attention:  Client Manager — Sequoia Mortgage Trust 2011-2

	 	
(g) 

	
In the case of the Controlling Holder,

Sequoia Mortgage Funding Corporation

One Belvedere Place, Suite 360

Mill Valley, California 94941

Attention: William Moliski

with a copy to

General Counsel at the same address

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

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

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

  

16

  

19.           This Agreement shall survive the conveyance of the Mortgage Loans, the assignment of the Sale and Servicing Agreement to the extent of the Mortgage Loans by Assignor to Depositor and by Depositor to Assignee, and the termination of the Sale and Servicing Agreement.

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

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

22.           It is expressly understood and agreed by the parties hereto that insofar as this Agreement is executed by the Trustee (i) this Agreement is executed and delivered by U.S. Bank National Association (“U.S. Bank”) not in its individual capacity but solely as Trustee on behalf of the trust created by the Pooling Agreement referred to herein (the “Trust”) in the exercise of the powers and authority conferred upon and vested in it, and as directed in the Pooling Agreement, (ii) each of the undertakings and agreements herein made on behalf of the Trust is made and intended not as a personal undertaking or agreement of or by U.S. Bank but is made and intended for purposes of binding only the Trust, (iii) nothing herein contained shall be construed as creating any liability on the part of U.S. Bank, individually or personally, to perform any covenant either express or implied in this Agreement, all such liability, if any, being expressly waived by the parties hereto and by any person claiming by, through or under the parties hereto, and (iv) under no circumstances shall U.S. Bank in its individual capacity or in its capacity as Trustee be personally liable for the payment of any indebtedness, amounts or expenses owed by the Assignor under the Sale and Servicing Agreement (such indebtedness, expenses and other amounts being payable solely from and to the extent of funds of the Trust) or be personally liable for the breach or failure of any obligation, representation, warranty or covenant made under this Agreement or any other related documents.

23.           Master Servicer.  The Bank hereby acknowledges that the Assignee has appointed Wells Fargo Bank, N.A. to act as master servicer and securities administrator under the Pooling Agreement and hereby agrees to treat all inquiries, demands, instructions, authorizations and other communications from the Master Servicer as if the same had been received from the Assignee.  The Master Servicer, acting on behalf of the Assignee, shall have the rights of the Assignee as the Purchaser under this Agreement, including, without limitation, the right to enforce the obligations of the Bank and the Servicer hereunder and under the Sale and Servicing Agreement and the right to exercise the remedies of the Purchaser hereunder and under the Sale and Servicing Agreement, other than the rights assumed by the Controlling Holder assumed under Paragraph 13(a) above.

  

17

  

 

The Bank shall make all remittances due by it to the Master Servicer on behalf of the Purchaser with respect to the Mortgage Loans to the following account by wire transfer of immediately available funds:

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #83707500, Sequoia Mortgage Trust 2011-2 Certificate Distribution Account

24.           The Bank acknowledges that the custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement.  Requests for Mortgage Loan Documents required by the Bank to perform its duties under the Sale and Servicing Agreement shall be directed to Wells Fargo Bank, N.A., as custodian, using the form of Request for Release in the form of Exhibit F hereto.  The Bank shall provide the Custodian with the specimen signatures of the Bank's authorized servicing representatives using the form in Exhibit D-3 hereto.  Notwithstanding Section 10 of the Sale and Servicing Agreement, the Bank shall pay shipping expenses for any Mortgage Loan Documents if there has been a breach of any representation or warranty made with respect to the related Mortgage Loan in Subsection 7.01 of the Sale and Servicing Agreement.

25.           Rule 17g-5 Compliance.  The Bank hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination or servicing thereof requested by any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail to the Securities Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information Provider”), at rmbs17g5informationprovider@wellsfargo.com, with a subject reference of “SEMT 2011-2” and an identification of the type of information being provided in the body of such electronic mail.  The Rule 17g-5 Information Provider shall notify the Bank in writing of any change in the identity or contact information of the Rule 17g-5 Information Provider.  The Bank shall have no liability for (i) the Rule 17g-5 Information Provider’s failure to post information provided by it in accordance with the terms of this Agreement or (ii) any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider.  None of the foregoing restrictions in this Section 26 prohibit or restrict oral or written communications, or providing information, between the Bank, on the one hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review of the ratings it assigns to the Bank, (ii) such Rating Agency’s or NRSRO’s approval of the Bank as a residential mortgage master, special or primary servicer, or (iii) such Rating Agency’s or NRSRO’s evaluation of the Bank’s servicing operations in general; provided, however, that the Bank shall not provide any information relating to the Mortgage Loans to such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x) borrower, property or deal specific identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5 Information Provider.

  

18

  

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

 

	  	
REDWOOD RESIDENTIAL ACQUISITION CORPORATION

	  	
Assignor

	  	  	  
	  	
By:

	/s/ John Isbrandtsen	    
	  	
Name:

	 
John Isbrandtsen

	      
	  	
Title:

	Authorized Officer	      
	  	  	  
	  	
SEQUOIA RESIDENTIAL FUNDING, INC.

	  	
Depositor

	  	  	  
	  	
By:

	/s/ John Isbrandtsen	      
	  	
Name:

	 
John Isbrandtsen

	      
	  	
Title:

	Authorized Officer	      
	  	  	  
	  	
U.S. BANK NATIONAL ASSOCIATION, not in its

individual capacity but solely as Trustee,

	  	
Assignee

	  	  	  
	  	
By:

	/s/ Tamara Schultz-Fugh	     
	  	
Name:

	 
Tamara Schultz-Fugh

	      
	  	
Title:

	Vice President	      
	  	  	  
	  	
WELLS FARGO BANK, N.A.

	  	
Bank

	  	  	  
	  	
By:

	/s/ Gretchen E. Leff	      
	  	
Name:

	Gretchen E. Leff	      
	  	
Title:

	Vice President	      

Accepted and agreed to by:

	
WELLS FARGO BANK, N.A.

	  
	
Master Servicer

	  
	  	  	  
	
By:

	/s/ Graham M. Oglesby	  
	
Name:

	 
Graham M. Oglesby

	  
	
Title:

	Vice President	  

 

  

19

  

ATTACHMENT 1

MORTGAGE LOAN SCHEDULE

  

20

  

	
Primary Servicer

	  	
Primary Servicer Name

	  	
Servicing Fee %

	  	
Servicing Fee—Flatdollar

	  	
Servicing Advance Methodology

	  	
Originator

	  	
Loan Group

	  	
Loan Number

	  	
sellernumber

	  	
Amortization Type

	  	
Lien Position

	  	
HELOC Indicator

	  	
Loan Purpose

	  	
Cash Out Amount

	  	
Total Origination and Discount Points

	  	
Covered/High Cost Loan Indicator

	  	
Relocation Loan Indicator

	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000001

	  	
0312956485

	  	
1

	  	
1

	  	
0

	  	
7

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000002

	  	
0313075012

	  	
1

	  	
1

	  	
0

	  	
7

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000003

	  	
0316723261

	  	
1

	  	
1

	  	
0

	  	
7

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000004

	  	
0306905472

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000005

	  	
0309283612

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000006

	  	
0311043434

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000008

	  	
0311108781

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000009

	  	
0311351084

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000010

	  	
0311678445

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000011

	  	
0311818132

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000012

	  	
0312082209

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000013

	  	
0312392608

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000014

	  	
0312431307

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000015

	  	
0312548209

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000016

	  	
0312913304

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000017

	  	
0313141046

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000018

	  	
0313151292

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000019

	  	
0313238297

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000020

	  	
0313238776

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000021

	  	
0313524746

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000023

	  	
0313587669

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000025

	  	
0313730046

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000026

	  	
0314327289

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000027

	  	
0314489071

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000030

	  	
0315386292

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000031

	  	
0315475756

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000032

	  	
0315484139

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000033

	  	
0315537332

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000034

	  	
0315569517

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000035

	  	
0315570408

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000036

	  	
0315623538

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000037

	  	
0315659425

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000038

	  	
0315833228

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000039

	  	
0316056274

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000040

	  	
0316194984

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	  	
Wells Fargo

	  	
0.002500

	  	  	  	  	  	
1006404

	  	  	  	
864000007

	  	
0311053912

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1006404

	
  

	
Wells Fargo

	
  

	
0.002500

	
  

	  	
  

	  	
  

	
1006404

	
  

	  	
  

	
864000022

	
  

	
0313542904

	
  

	
1

	
  

	
1

	
  

	
0

	
  

	
9

	
  

	  	
  

	  	
  

	  	
  

	 

	
Primary Servicer

	  	
Broker Indicator

	  	
Channel

	  	
Escrow Indicator

	  	
Senior Loan

Amount(s)

	  	
Loan Type of Most

Senior Lien

	  	
Hybrid Period of

Most Senior Lien (in

months)

	  	
Neg Am Limit of

Most Senior Lien

	  	
Junior Mortgage

Balance

	  	
Origination Date of

Most Senior Lien

	  	
Origination Date

	  	
Original Loan

Amount

	  	
Original Interest

Rate

	  	
Original

Amortization Term

	  	
Original Term to

Maturity

	  	
First Payment Date

of Loan

	  	
Interest Type

Indicator

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110119

	  	
892500.00

	  	
0.050000

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110115

	  	
468000.00

	  	
0.052500

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110118

	  	
750000.00

	  	
0.051250

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110114

	  	
700000.00

	  	
0.051250

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
85000.00

	  	  	  	
20110114

	  	
875000.00

	  	
0.051250

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110113

	  	
941704.00

	  	
0.047500

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110112

	  	
601000.00

	  	
0.051250

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
250000.00

	  	  	  	
20110114

	  	
779600.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110114

	  	
1000000.00

	  	
0.051250

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110113

	  	
960000.00

	  	
0.051250

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
394042.00

	  	  	  	
20110114

	  	
482000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110114

	  	
1025200.00

	  	
0.050000

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110113

	  	
938000.00

	  	
0.050000

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
250000.00

	  	  	  	
20110114

	  	
790000.00

	  	
0.047500

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
195000.00

	  	  	  	
20110114

	  	
992800.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110113

	  	
498000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
500000.00

	  	  	  	
20110113

	  	
790000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110114

	  	
737500.00

	  	
0.050000

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110113

	  	
754000.00

	  	
0.050000

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
100000.00

	  	  	  	
20110114

	  	
920000.00

	  	
0.051250

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110113

	  	
760000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
38000.00

	  	  	  	
20110113

	  	
542900.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
100000.00

	  	  	  	
20110113

	  	
686000.00

	  	
0.050000

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110110

	  	
920000.00

	  	
0.050000

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
165000.00

	  	  	  	
20110113

	  	
636700.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
500000.00

	  	  	  	
20110112

	  	
996000.00

	  	
0.050000

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110111

	  	
1343000.00

	  	
0.053750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110114

	  	
1100000.00

	  	
0.050000

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110114

	  	
735000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110118

	  	
546000.00

	  	
0.050000

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110111

	  	
895000.00

	  	
0.051250

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110114

	  	
669500.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110114

	  	
608000.00

	  	
0.051250

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
100000.00

	  	  	  	
20110112

	  	
714270.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110113

	  	
732000.00

	  	
0.051250

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110114

	  	
999999.00

	  	
0.050000

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1006404

	
  

	  	
  

	
1

	
  

	
4

	
  

	
0

	
  

	  	
  

	  	
  

	  	
  

	
0.00

	
  

	  	
  

	
20110114

	
  

	
1487000.00

	
  

	
0.048750

	
  

	
360

	
  

	
360

	
  

	
20110301

	
  

	
1

	
Primary Servicer

	  	
Original Interest

Only Term

	  	
Buy Down Period

	  	
HELOC Draw Period

	  	
Current Loan

Amount

	  	
Current Interest

Rate

	  	
Current Payment

Amount Due

	  	
Interest Paid

Through Date

	  	
Current Payment

Status

	  	
Index Type

	  	
ARM Look-back

Days

	  	
Gross Margin

	  	
ARM Round Flag

	  	
ARM Round Factor

	  	
Initial Fixed Rate

Period

	  	
Initial Interest Rate

Cap (Change Up)

	  	
Initial Interest Rate

Cap (Change Down)

	
1006404

	  	
0

	  	
0

	  	  	  	
884898.86

	  	
0.050000

	  	
4791.13

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
464192.63

	  	
0.052500

	  	
2584.31

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
743756.78

	  	
0.051250

	  	
4083.65

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
693024.39

	  	
0.051250

	  	
3811.41

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
863380.75

	  	
0.051250

	  	
4764.26

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
933311.32

	  	
0.047500

	  	
4912.37

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
595997.07

	  	
0.051250

	  	
3272.37

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
772807.56

	  	
0.048750

	  	
4125.71

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
983427.70

	  	
0.051250

	  	
5444.87

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
952008.64

	  	
0.051250

	  	
5227.08

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
477800.52

	  	
0.048750

	  	
2550.78

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
1013424.58

	  	
0.050000

	  	
5503.50

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
930011.30

	  	
0.050000

	  	
5035.39

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
782959.34

	  	
0.047500

	  	
4121.01

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
984150.03

	  	
0.048750

	  	
5253.98

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
493661.07

	  	
0.048750

	  	
2635.46

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
783117.02

	  	
0.048750

	  	
4180.74

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
728687.50

	  	
0.050000

	  	
3959.06

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
747578.43

	  	
0.050000

	  	
4047.63

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
906186.24

	  	
0.051250

	  	
5009.28

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
753378.36

	  	
0.048750

	  	
4021.98

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
538169.89

	  	
0.048750

	  	
2873.07

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
680157.51

	  	
0.050000

	  	
3682.60

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
879368.42

	  	
0.050000

	  	
4938.76

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
631152.61

	  	
0.048750

	  	
3369.47

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
987517.38

	  	
0.050000

	  	
5346.74

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
1332323.16

	  	
0.053750

	  	
7520.41

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
120

	  	
0

	  	  	  	
1100000.00

	  	
0.050000

	  	
4583.33

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
728596.18

	  	
0.048750

	  	
3889.68

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
541349.86

	  	
0.050000

	  	
2931.05

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
887549.75

	  	
0.051250

	  	
4873.16

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
663666.84

	  	
0.048750

	  	
3543.05

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
600930.29

	  	
0.051250

	  	
3310.48

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
702965.00

	  	
0.048750

	  	
3779.98

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
0

	  	
0

	  	  	  	
725906.63

	  	
0.051250

	  	
3985.64

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	
120

	  	
0

	  	  	  	
999999.00

	  	
0.050000

	  	
4166.66

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	
  

	
0

	
  

	
0

	
  

	  	
  

	
1474044.21

	
  

	
0.048750

	
  

	
7869.33

	
  

	
20110901

	
  

	
0

	
  

	
0

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  

	
Primary Servicer

	  	
Subsequent Interest

Rate Reset Period

	  	
Subsequent Interest

Rate Cap (Change Down)

	  	
Subsequent Interest

Rate Cap (Change

Up)

	  	
Lifetime Maximum

Rate (Ceiling)

	  	
Lifetime Minimum

Rate (Floor)

	  	
Negative

Amortization Limit

	  	
Initial Negative

Amortization Recast

Period

	  	
Subsequent

Negative

Amortization Recast

Period

	  	
Initial Fixed

Payment Period

	  	
Subsequent

Payment Reset

Period

	  	
Initial Periodic

Payment Cap

	  	
Subsequent

Periodic Payment

Cap

	  	
Initial Minimum

Payment Reset

Period

	  	
Subsequent

Minimum Payment

Reset Period

	  	
Option ARM

Indicator

	  	
Options at Recast

	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1006404

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	
0

	
  

	 

	
Primary Servicer

	  	
Initial Minimum

Payment

	  	
Current Minimum

Payment

	  	
Prepayment Penalty

Calculation

	  	
Prepayment Penalty

Type

	  	
Prepayment Penalty

Total Term

	  	
Prepayment Penalty

Hard Term

	  	
Primary Borrower ID

	  	
Number of

Mortgaged

Properties

	  	
Total Number of

Borrowers

	  	
Self-employment

Flag

	  	
Current ‘Other’

Monthly Payment

	  	
Length of

Employment:

Borrower

	  	
Length of

Employment: Co-

Borrower

	  	
Years in Home

	  	
FICO Model Used

	  	
Most Recent FICO

Date

	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
412

	  	
1

	  	
2

	  	
0

	  	  	  	
6.15

	  	  	  	
0.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
291

	  	
2

	  	
2

	  	
0

	  	  	  	
4.80

	  	  	  	
0.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
24

	  	
1

	  	
2

	  	
0

	  	  	  	
7.00

	  	  	  	
0.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
259

	  	
1

	  	
2

	  	
0

	  	  	  	
1.00

	  	  	  	
3.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
389

	  	
2

	  	
2

	  	
0

	  	  	  	
4.00

	  	  	  	
4.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
435

	  	
1

	  	
2

	  	
0

	  	  	  	
19.00

	  	  	  	
17.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
206

	  	
1

	  	
2

	  	
1

	  	  	  	
2.00

	  	
2.00

	  	
6.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
289

	  	
1

	  	
2

	  	
0

	  	  	  	
11.80

	  	  	  	
3.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
468

	  	
2

	  	
2

	  	
0

	  	  	  	
5.40

	  	
3.40

	  	
2.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
4

	  	
5

	  	
2

	  	
0

	  	  	  	
4.50

	  	
4.00

	  	
4.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
338

	  	
2

	  	
1

	  	
0

	  	  	  	
1.30

	  	  	  	
12.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
219

	  	
1

	  	
2

	  	
0

	  	  	  	
4.09

	  	  	  	
6.03

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
305

	  	
2

	  	
1

	  	
0

	  	  	  	
5.00

	  	  	  	
9.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
132

	  	
1

	  	
2

	  	
0

	  	  	  	
11.50

	  	  	  	
11.40

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
218

	  	
1

	  	
2

	  	
1

	  	  	  	
5.00

	  	
9.00

	  	
2.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
450

	  	
1

	  	
2

	  	
0

	  	  	  	
14.00

	  	  	  	
1.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
76

	  	
1

	  	
2

	  	
1

	  	  	  	
23.20

	  	  	  	
2.11

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
97

	  	
2

	  	
2

	  	
0

	  	  	  	
3.00

	  	  	  	
5.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
261

	  	
2

	  	
2

	  	
0

	  	  	  	
19.00

	  	  	  	
3.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
433

	  	
2

	  	
2

	  	
0

	  	  	  	
25.00

	  	
25.00

	  	
7.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
306

	  	
1

	  	
2

	  	
0

	  	  	  	
9.80

	  	  	  	
4.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
393

	  	
1

	  	
2

	  	
0

	  	  	  	
10.07

	  	
2.20

	  	
4.10

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
188

	  	
2

	  	
2

	  	
1

	  	  	  	
13.00

	  	
13.00

	  	
7.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
90

	  	
3

	  	
2

	  	
1

	  	  	  	
8.30

	  	
8.30

	  	
4.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
216

	  	
1

	  	
2

	  	
0

	  	  	  	
15.00

	  	  	  	
18.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
20

	  	
1

	  	
2

	  	
0

	  	  	  	
8.50

	  	  	  	
8.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
149

	  	
2

	  	
2

	  	
1

	  	  	  	
3.30

	  	
4.00

	  	
24.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
264

	  	
2

	  	
2

	  	
0

	  	  	  	
9.00

	  	  	  	
3.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
123

	  	
2

	  	
2

	  	
0

	  	  	  	
2.40

	  	  	  	
2.30

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
227

	  	
2

	  	
2

	  	
0

	  	  	  	
25.60

	  	
10.60

	  	
3.60

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
337

	  	
1

	  	
2

	  	
1

	  	  	  	
8.60

	  	  	  	
3.11

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
19

	  	
1

	  	
2

	  	
0

	  	  	  	
1.90

	  	
1.30

	  	
4.70

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
235

	  	
1

	  	
2

	  	
0

	  	  	  	
19.10

	  	
4.70

	  	
5.30

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
129

	  	
1

	  	
2

	  	
0

	  	  	  	
20.00

	  	  	  	
3.00

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
205

	  	
1

	  	
2

	  	
0

	  	  	  	
0.30

	  	
20.11

	  	
3.70

	  	
1

	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
82

	  	
1

	  	
2

	  	
1

	  	  	  	
6.01

	  	
6.01

	  	
4.60

	  	
1

	  	  
	
1006404

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	
0

	
  

	  	
  

	
69

	
  

	
1

	
  

	
2

	
  

	
0

	
  

	  	
  

	
6.54

	
  

	  	
  

	
1.30

	
  

	
1

	
  

	  

	
Primary Servicer

	  	
Primary Wage

Earner Original

FICO: Equifax

	  	
Primary Wage

Earner Original

FICO: Experian

	  	
Primary Wage

Earner Original

FICO: TransUnion

	  	
Secondary Wage

Earner Original

FICO: Equifax

	  	
Secondary Wage

Earner Original

FICO: Experian

	  	
Secondary Wage

Earner Original

FICO: TransUnion

	  	
Original

Primary Borrower

FICO

	  	
Most Recent

Primary Borrower

FICO

	  	
Most Recent Co-

Borrower FICO

	  	
Most Recent FICO

Method

	  	
VantageScore:

Primary Borrower

	  	
VantageScore: Co-

Borrower

	  	
Most Recent

VantageScore

Method

	  	
VantageScore Date

	  	
Credit Report:

Longest Trade Line

	  	
Credit Report:

Maximum Trade

Line

	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
702

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
766

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
792

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
800

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
782

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
785

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
794

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
768

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
794

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
794

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
788

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
715

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
757

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
783

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
804

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
798

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
796

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
813

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
751

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
806

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
808

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
780

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
782

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
744

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
794

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
777

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
711

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
778

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
790

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
799

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
776

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
793

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
763

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
733

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
782

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	
802

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	
771

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	 

	
Primary Servicer

	  	
Credit Report:

Number of Trade

Lines

	  	
Credit Line Usage

Ratio

	  	
Most Recent 12-

month Pay History

	  	
Months Bankruptcy

	  	
Months Foreclosure

	  	
Primary Borrower

Wage Income

	  	
Co-Borrower Wage

Income

	  	
Primary Borrower

Other Income

	  	
Co-Borrower Other

Income

	  	
All Borrower Wage

Income

	  	
All Borrower Total

Income

	  	
4506-T Indicator

	  	
Borrower Income

Verification Level

	  	
Co-Borrower

Income Verification

	  	
Borrower

Employment

Verification

	  	
Co-Borrower

Employment

Verification

	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
25611.73

	  	  	  	
0.00

	  	  	  	
25611.73

	  	
25611.73

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
26667.00

	  	  	  	
0.00

	  	  	  	
26667.00

	  	
26667.00

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
33999.98

	  	  	  	
0.00

	  	  	  	
33999.98

	  	
33999.98

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
0.00

	  	  	  	
17600.00

	  	  	  	
0.00

	  	
17600.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
49976.87

	  	  	  	
216.25

	  	  	  	
49976.87

	  	
50193.12

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
21666.66

	  	  	  	
34613.00

	  	  	  	
21666.66

	  	
56279.66

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
1780.00

	  	
0.00

	  	
7974.67

	  	
7136.00

	  	
1780.00

	  	
16890.67

	  	
N

	  	
4

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
22303.00

	  	  	  	
0.00

	  	  	  	
22303.00

	  	
22303.00

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
30496.11

	  	
17500.00

	  	
0.00

	  	
0.00

	  	
47996.11

	  	
47996.11

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
3000.00

	  	
3000.00

	  	
11163.14

	  	
0.00

	  	
6000.00

	  	
17163.14

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
26666.66

	  	  	  	
0.00

	  	  	  	
26666.66

	  	
26666.66

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
33333.00

	  	  	  	
0.00

	  	  	  	
33333.00

	  	
33333.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
31250.00

	  	  	  	
0.00

	  	  	  	
31250.00

	  	
31250.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
40912.80

	  	  	  	
-1563.83

	  	  	  	
40912.80

	  	
39348.97

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
4839.75

	  	
12700.00

	  	
9582.58

	  	
0.00

	  	
17539.75

	  	
27122.33

	  	
N

	  	
4

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
14025.00

	  	  	  	
0.00

	  	  	  	
14025.00

	  	
14025.00

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
53655.00

	  	  	  	
0.00

	  	  	  	
53655.00

	  	
53655.00

	  	
N

	  	
4

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
27916.67

	  	  	  	
10416.67

	  	  	  	
27916.67

	  	
38333.34

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
0.00

	  	  	  	
50598.00

	  	  	  	
0.00

	  	
50598.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
49400.00

	  	  	  	
0.00

	  	  	  	
49400.00

	  	
49400.00

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
51166.72

	  	  	  	
0.00

	  	  	  	
51166.72

	  	
51166.72

	  	
Y

	  	
4

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
13991.00

	  	
1187.50

	  	
-691.00

	  	
0.00

	  	
15178.50

	  	
14487.50

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
15376.41

	  	
6819.29

	  	
7830.67

	  	
0.00

	  	
22195.70

	  	
30026.37

	  	
N

	  	
4

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
24883.00

	  	
7391.00

	  	
-410.00

	  	
0.00

	  	
32274.00

	  	
31864.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
19902.08

	  	  	  	
0.00

	  	  	  	
19902.08

	  	
19902.08

	  	
N

	  	
4

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
35261.00

	  	  	  	
0.00

	  	  	  	
35261.00

	  	
35261.00

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
638.00

	  	
21114.00

	  	
1571.00

	  	
13093.00

	  	
21752.00

	  	
36416.00

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
21542.00

	  	  	  	
11269.00

	  	  	  	
21542.00

	  	
32811.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
26250.00

	  	  	  	
0.00

	  	  	  	
26250.00

	  	
26250.00

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
10503.00

	  	
6402.75

	  	
0.00

	  	
0.00

	  	
16905.75

	  	
16905.75

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
37599.00

	  	  	  	
0.00

	  	  	  	
37599.00

	  	
37599.00

	  	
N

	  	
4

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
10417.00

	  	
16588.00

	  	
0.00

	  	
0.00

	  	
27005.00

	  	
27005.00

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
15274.05

	  	
11461.00

	  	
0.00

	  	
0.00

	  	
26735.05

	  	
26735.05

	  	
N

	  	
4

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
17173.48

	  	  	  	
0.00

	  	  	  	
17173.48

	  	
17173.48

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
17917.00

	  	
4698.54

	  	
0.00

	  	
0.00

	  	
22615.54

	  	
22615.54

	  	
N

	  	
4

	  	  	  	
3

	  	  
	
1006404

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
17579.00

	  	
5018.00

	  	
0.00

	  	
0.00

	  	
22597.00

	  	
22597.00

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1006404

	
  

	  	
  

	  	
  

	
000000000000

	
  

	  	
  

	  	
  

	
20833.33

	
  

	  	
  

	
27068.00

	
  

	  	
  

	
20833.33

	
  

	
47901.33

	
  

	
N

	
  

	
5

	
  

	  	
  

	
3

	
  

	 

	
Primary Servicer

	  	
Borrower Asset

Verification

	  	
Co-Borrower Asset

Verification

	  	
Liquid / Cash

Reserves

	  	
Monthly Debt All

Borrowers

	  	
Originator DTI

	  	
Fully Indexed Rate

	  	
Qualification

Method

	  	
Percentage of Down

Payment from

Borrower Own

Funds

	  	
City

	  	
State

	  	
Postal Code

	  	
Property Type

	  	
Occupancy

	  	
Sales Price

	  	
Original Appraised

Property Value

	  	
Original Property

Valuation Type

	
1006404

	  	
4

	  	  	  	
640054.08

	  	
11375.11

	  	
0.444137

	  	  	  	
1

	  	
100.000000

	  	
BRENTWOOD

	  	
TN

	  	
37027

	  	
7

	  	
2

	  	
1190000.00

	  	
1200000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
117592.19

	  	
4178.52

	  	
0.156693

	  	  	  	
1

	  	
100.000000

	  	
FAIRFIELD

	  	
CA

	  	
94534

	  	
1

	  	
1

	  	
600000.00

	  	
585000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
724072.89

	  	
11008.24

	  	
0.323772

	  	  	  	
1

	  	
100.000000

	  	
RENO

	  	
NV

	  	
89519

	  	
1

	  	
1

	  	
1275000.00

	  	
1315000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
2857212.42

	  	
5744.44

	  	
0.326389

	  	  	  	
1

	  	
0.000000

	  	
LACONIA

	  	
NH

	  	
03246

	  	
1

	  	
1

	  	  	  	
1150000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
159349.93

	  	
11814.05

	  	
0.235372

	  	  	  	
1

	  	
0.000000

	  	
CHESTER

	  	
NY

	  	
10950

	  	
1

	  	
1

	  	  	  	
1200000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
564284.49

	  	
7111.60

	  	
0.126362

	  	  	  	
1

	  	
0.000000

	  	
DEEPHAVEN

	  	
MN

	  	
55331

	  	
1

	  	
1

	  	  	  	
1250000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
131898.46

	  	
4302.83

	  	
0.254746

	  	  	  	
1

	  	
0.000000

	  	
SPOKANE

	  	
WA

	  	
99223

	  	
1

	  	
1

	  	  	  	
935000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
115607.62

	  	
7260.21

	  	
0.325526

	  	  	  	
1

	  	
0.000000

	  	
NEWTON

	  	
MA

	  	
02459

	  	
1

	  	
1

	  	  	  	
1287000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
140326.55

	  	
10135.84

	  	
0.211180

	  	  	  	
1

	  	
0.000000

	  	
CLAREMONT

	  	
CA

	  	
91711

	  	
1

	  	
1

	  	  	  	
1550000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
195547.54

	  	
7046.78

	  	
0.410576

	  	  	  	
1

	  	
0.000000

	  	
ARCADIA

	  	
CA

	  	
91007

	  	
1

	  	
1

	  	  	  	
2190000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
559179.69

	  	
9710.70

	  	
0.364151

	  	  	  	
1

	  	
0.000000

	  	
MOORESTOWN

	  	
NJ

	  	
08057

	  	
1

	  	
1

	  	  	  	
1125000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
523563.52

	  	
8422.62

	  	
0.252681

	  	  	  	
1

	  	
0.000000

	  	
GREAT FALLS

	  	
VA

	  	
22066

	  	
1

	  	
1

	  	  	  	
1900000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
197812.74

	  	
10549.73

	  	
0.337591

	  	  	  	
1

	  	
0.000000

	  	
WALNUT CREEK

	  	
CA

	  	
94598

	  	
1

	  	
1

	  	  	  	
1250000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
79112.25

	  	
5750.83

	  	
0.146149

	  	  	  	
1

	  	
0.000000

	  	
NEWTON

	  	
MA

	  	
02465

	  	
1

	  	
1

	  	  	  	
1590000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
210490.14

	  	
7175.79

	  	
0.264571

	  	  	  	
1

	  	
0.000000

	  	
EDINA

	  	
MN

	  	
55436

	  	
1

	  	
1

	  	  	  	
1580000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
170718.45

	  	
3401.57

	  	
0.242536

	  	  	  	
1

	  	
0.000000

	  	
WAXHAW

	  	
NC

	  	
28173

	  	
1

	  	
1

	  	  	  	
680000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
2914122.28

	  	
6548.47

	  	
0.122048

	  	  	  	
1

	  	
0.000000

	  	
WASHINGTON

	  	
DC

	  	
20007

	  	
1

	  	
1

	  	  	  	
2100000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
387408.48

	  	
7910.41

	  	
0.206358

	  	  	  	
1

	  	
0.000000

	  	
ORONO

	  	
MN

	  	
55356

	  	
1

	  	
1

	  	  	  	
1100000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
122438.03

	  	
8701.07

	  	
0.171965

	  	  	  	
1

	  	
0.000000

	  	
SAINT CHARLE

	  	
IL

	  	
60175

	  	
1

	  	
1

	  	  	  	
1095000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
621456.37

	  	
8769.95

	  	
0.177529

	  	  	  	
1

	  	
0.000000

	  	
EXCELSIOR

	  	
MN

	  	
55331

	  	
1

	  	
1

	  	  	  	
1275000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
165995.15

	  	
6624.76

	  	
0.129474

	  	  	  	
1

	  	
0.000000

	  	
MEQUON

	  	
WI

	  	
53092

	  	
1

	  	
1

	  	  	  	
950000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
146220.75

	  	
4074.90

	  	
0.281270

	  	  	  	
1

	  	
0.000000

	  	
WALLA WALLA

	  	
WA

	  	
99362

	  	
1

	  	
1

	  	  	  	
845000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
276862.09

	  	
11853.21

	  	
0.394760

	  	  	  	
1

	  	
0.000000

	  	
EDINA

	  	
MN

	  	
55424

	  	
1

	  	
1

	  	  	  	
1475000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
1030137.33

	  	
9286.84

	  	
0.291452

	  	  	  	
1

	  	
0.000000

	  	
LOS ANGELES

	  	
CA

	  	
90068

	  	
1

	  	
1

	  	  	  	
1150000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
701597.47

	  	
5453.83

	  	
0.274033

	  	  	  	
1

	  	
0.000000

	  	
EDINA

	  	
MN

	  	
55436

	  	
1

	  	
1

	  	  	  	
1200000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
217806.47

	  	
10001.20

	  	
0.283633

	  	  	  	
1

	  	
0.000000

	  	
SCOTTSDALE

	  	
AZ

	  	
85266

	  	
1

	  	
1

	  	  	  	
2100000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
867338.13

	  	
13261.55

	  	
0.364168

	  	  	  	
1

	  	
0.000000

	  	
LOS ALTOS

	  	
CA

	  	
94024

	  	
1

	  	
1

	  	  	  	
1975000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
365477.96

	  	
9961.57

	  	
0.303605

	  	  	  	
1

	  	
0.000000

	  	
WESTFIELD

	  	
NJ

	  	
07090

	  	
1

	  	
1

	  	  	  	
1770000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
1514515.84

	  	
8911.72

	  	
0.339494

	  	  	  	
1

	  	
0.000000

	  	
BELMONT

	  	
MA

	  	
02478

	  	
1

	  	
1

	  	  	  	
1725000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
75933.00

	  	
6291.29

	  	
0.372139

	  	  	  	
1

	  	
0.000000

	  	
GUALALA

	  	
CA

	  	
95445

	  	
1

	  	
2

	  	  	  	
745000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
131681.00

	  	
8879.38

	  	
0.236160

	  	  	  	
1

	  	  	  	
LADERA RANCH

	  	
CA

	  	
92694

	  	
1

	  	
1

	  	  	  	
1185000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
289438.21

	  	
7376.28

	  	
0.273145

	  	  	  	
1

	  	
0.000000

	  	
HOUSTON

	  	
TX

	  	
77019

	  	
1

	  	
1

	  	  	  	
940000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
66209.99

	  	
5983.24

	  	
0.223798

	  	  	  	
1

	  	
0.000000

	  	
BELLAIRE

	  	
TX

	  	
77401

	  	
1

	  	
1

	  	  	  	
760000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
148997.76

	  	
4575.93

	  	
0.266453

	  	  	  	
1

	  	
0.000000

	  	
DENVER

	  	
CO

	  	
80220

	  	
1

	  	
1

	  	  	  	
1450000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
216088.00

	  	
6028.20

	  	
0.266551

	  	  	  	
1

	  	
0.000000

	  	
ELLICOTT CIT

	  	
MD

	  	
21042

	  	
1

	  	
1

	  	  	  	
915000.00

	  	
3

	
1006404

	  	
4

	  	  	  	
53101.95

	  	
7713.19

	  	
0.341337

	  	  	  	
1

	  	
0.000000

	  	
NEW YORK

	  	
NY

	  	
10023

	  	
4

	  	
1

	  	  	  	
2250000.00

	  	
3

	
1006404

	
  

	
4

	
  

	  	
  

	
508319.22

	
  

	
13818.89

	
  

	
0.288487

	
  

	  	
  

	
1

	
  

	
0.000000

	
  

	
GARDEN CITY

	
  

	
NY

	
  

	
11530

	
  

	
1

	
  

	
1

	
  

	  	
  

	
2300000.00

	
  

	
3

	
Primary Servicer

	  	
Original Property

Valuation Date

	  	
Original Automated

Valuation Model

(AVM) Model Name

	  	
Original AVM

Confidence Score

	  	
Most Recent

Property Value2

	  	
Most Recent

Property Valuation

Type

	  	
Most Recent

Property Valuation

Date

	  	
Most Recent AVM

Model Name

	  	
Most Recent AVM

Confidence Score

	  	
Original CLTV

	  	
Original LTV

	  	
Original Pledged

Assets

	  	
Mortgage Insurance

Company Name

	  	
Mortgage Insurance

Percent

	  	
MI: Lender or

Borrower Paid?

	  	
Pool Insurance Co.

Name

	  	
Pool Insurance Stop

Loss %

	
1006404

	  	
20101101

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.750000

	  	
0.750000

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101027

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.800000

	  	
0.800000

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20110115

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.588235

	  	
0.588235

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101207

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.608696

	  	
0.608696

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20100830

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.800000

	  	
0.729167

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101014

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.753363

	  	
0.753363

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20100928

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.642781

	  	
0.642781

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101009

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.800000

	  	
0.605750

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101105

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.645161

	  	
0.645161

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101118

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.438356

	  	
0.438356

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101109

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.778704

	  	
0.428444

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101111

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.539579

	  	
0.539579

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101124

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.750400

	  	
0.750400

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101102

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.654088

	  	
0.496855

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101029

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.751772

	  	
0.628354

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101202

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.732353

	  	
0.732353

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20110111

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.614286

	  	
0.376190

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101116

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.670455

	  	
0.670455

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101026

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.688584

	  	
0.688584

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101123

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.800000

	  	
0.721569

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101114

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.800000

	  	
0.800000

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101119

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.687456

	  	
0.642485

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101110

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.532881

	  	
0.465085

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101215

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.800000

	  	
0.800000

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101129

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.668083

	  	
0.530583

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101207

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.712381

	  	
0.474286

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101214

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.680000

	  	
0.680000

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101207

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.621469

	  	
0.621469

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101222

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.426087

	  	
0.426087

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101206

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.732886

	  	
0.732886

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101202

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.755274

	  	
0.755274

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101201

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.712234

	  	
0.712234

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101206

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.800000

	  	
0.800000

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101215

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.561566

	  	
0.492600

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20101210

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.800000

	  	
0.800000

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	  	
20100928

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.444444

	  	
0.444444

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1006404

	
  

	
20101129

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	
0.646522

	
  

	
0.646522

	
  

	
0

	
  

	  	
  

	
0

	
  

	  	
  

	  	
  

	 

	
Primary Servicer

	  	
MI Certificate

Number

	  	
Updated DTI

(Front-end)

	  	
Updated DTI

(Back-end)

	  	
Modification

Effective Payment

Date

	  	
Total Capitalized

Amount

	  	
Total Deferred

Amount

	  	
Pre-Modification

Interest (Note) Rate

	  	
Pre-Modification P&I

Payment

	  	
Pre-Modification

Initial Interest Rate

Change Downward

Cap

	  	
Pre-Modification

Subsequent Interest

Rate Cap

	  	
Pre-Modification

Next Interest Rate

Change Date

	  	
Pre-Modification I/O

Term

	  	
Forgiven Principal

Amount

	  	
Forgiven Interest

Amount

	  	
Number of

Modifications

	  	
Cash To/From Brrw at Closing

	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1006404

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	 

	
Primary Servicer

	  	
Brrw - Yrs at in Industry

	  	
CoBrrw - Yrs at in Industry

	  	
Junior Mortgage Drawn Amount

	  	
Maturity Date

	  	
Primary Borrower Wage Income (Salary)

	  	
Primary Borrower Wage Income (Bonus)

	  	
Primary Borrower Wage Income (Commission)

	  	
Co-Borrower Wage Income (Salary)

	  	
Co-Borrower Wage Income (Bonus)

	  	
Co-Borrower Wage Income (Commission)

	  	
Originator Doc Code

	  	
RWT Income Verification

	  	
RWT Asset Verification

	
1006404

	  	
6.15

	  	  	  	
0.00

	  	
2/1/2041

	  	
25611.73

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
35

	  	  	  	
0.00

	  	
2/1/2041

	  	
26667.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
20

	  	  	  	
0.00

	  	
2/1/2041

	  	
33999.98

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
1

	  	  	  	
0.00

	  	
2/1/2041

	  	  	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
25

	  	  	  	
85000.00

	  	
2/1/2041

	  	
49976.87

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
19

	  	  	  	
0.00

	  	
2/1/2041

	  	
21666.66

	  	
28689.00

	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
4

	  	
15

	  	
0.00

	  	
2/1/2041

	  	
1780.00

	  	  	  	  	  	  	  	  	  	
7306.00

	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
11.8

	  	  	  	
250000.00

	  	
2/1/2041

	  	
22303.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
5.4

	  	
3.4

	  	
0.00

	  	
2/1/2041

	  	
30496.11

	  	  	  	  	  	
17500.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
20

	  	
5

	  	
0.00

	  	
2/1/2041

	  	
3000.00

	  	  	  	  	  	
3000.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
20

	  	  	  	
394042.00

	  	
2/1/2041

	  	
26666.66

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
25

	  	  	  	
0.00

	  	
2/1/2041

	  	
33333.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
27

	  	  	  	
0.00

	  	
2/1/2041

	  	
31250.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
38

	  	  	  	
250000.00

	  	
2/1/2041

	  	
40912.80

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
24

	  	
18

	  	
195000.00

	  	
2/1/2041

	  	
4839.75

	  	  	  	  	  	
12700.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
14

	  	  	  	
0.00

	  	
2/1/2041

	  	
14025.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
30

	  	  	  	
500000.00

	  	
2/1/2041

	  	
53655.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
16

	  	  	  	
0.00

	  	
2/1/2041

	  	
27916.67

	  	
10416.67

	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
21

	  	  	  	
0.00

	  	
2/1/2041

	  	  	  	  	  	
50598.00

	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
25

	  	
25

	  	
100000.00

	  	
2/1/2041

	  	
49400.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
10

	  	  	  	
0.00

	  	
2/1/2041

	  	
51166.72

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
1 year

	  	
2 Months

	
1006404

	  	
18

	  	
25

	  	
38000.00

	  	
2/1/2041

	  	
13991.00

	  	  	  	  	  	
1187.50

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
13

	  	
13

	  	
100000.00

	  	
2/1/2041

	  	
15376.41

	  	  	  	  	  	
6819.29

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
18

	  	
21

	  	
0.00

	  	
2/1/2041

	  	
24883.00

	  	  	  	  	  	
7391.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
20

	  	  	  	
165000.00

	  	
2/1/2041

	  	
19902.08

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
1 year

	  	
2 Months

	
1006404

	  	
18.2

	  	  	  	
500000.00

	  	
2/1/2041

	  	
35261.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
5

	  	
40

	  	
0.00

	  	
2/1/2041

	  	
638.00

	  	  	  	  	  	
21114.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
9

	  	  	  	
0.00

	  	
2/1/2041

	  	
21542.00

	  	
11269.00

	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
15

	  	  	  	
0.00

	  	
2/1/2041

	  	
26250.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
25.6

	  	
10.6

	  	
0.00

	  	
2/1/2041

	  	
10503.00

	  	  	  	  	  	
6402.75

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
11

	  	  	  	
0.00

	  	
2/1/2041

	  	
37599.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
14

	  	
14

	  	
0.00

	  	
2/1/2041

	  	
10417.00

	  	  	  	  	  	
16588.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
19.1

	  	
9.1

	  	
0.00

	  	
2/1/2041

	  	
15274.05

	  	  	  	  	  	
11461.00

	  	  	  	  	  	
Full

	  	
1 year

	  	
2 Months

	
1006404

	  	
29

	  	  	  	
100000.00

	  	
2/1/2041

	  	
17173.48

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	  	
16

	  	
24

	  	
0.00

	  	
2/1/2041

	  	
17917.00

	  	  	  	  	  	
4698.54

	  	  	  	  	  	
Full

	  	
1 year

	  	
2 Months

	
1006404

	  	
16

	  	
10

	  	
0.00

	  	
2/1/2041

	  	
17579.00

	  	  	  	  	  	
5018.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1006404

	
  

	
10

	
  

	  	
  

	
0.00

	
  

	
2/1/2041

	
  

	
20833.33

	
  

	
27068.00

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	
Full

	
  

	
2 years

	
  

	
2 Months

  

21

  

 

ASF RMBS DISCLOSURE PACKAGE

The American Securitization Forum is a broad-based professional forum through which participants in the U.S. securitization market advocate their common interests on important legal, regulatory and market practice issues. ASF members include over 380 firms, including issuers, investors, servicers, financial intermediaries, rating agencies, financial guarantors, legal and accounting firms, and other professional organizations involved in securitization transactions. The ASF also provides information, education and training on a range of securitization market issues and topics through industry conferences, seminars and similar initiatives. For more information about ASF, its members and activities, please go to www.americansecuritization.com.

 

	
Field Number

	
Field Name

	
Field Description

	
Type of 

Field

	
Data 

Type

	
Sample 

Data

	
Format

	
When 

Applicable?

	
Valid 

Values

	
Proposed 

Unique Coding

	
Notes

	
1

	
Primary Servicer

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

	
General Information

	
Numeric – Integer

	
2351805

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
2

	
Servicing Fee—Percentage

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

	
General Information

	
Numeric - Decimal

	
0.0025

	
9.999999

	
Loans without flat-dollar servicing fees

	
>= 0 and < 1

	  	
Must be populated if Field 3 is Null

	
3

	
Servicing Fee—Flat-dollar

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

	
General Information

	
Numeric – Decimal

	
7.5

	
9(3).99

	
Loans with flat-dollar servicing fees

	
>= 0 and

<= 999

	  	
Must be populated if 2 is Null

	
4

	
Servicing Advance Methodology

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

	
General Information

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Scheduled Interest, Scheduled Principal

2 = Actual Interest, Actual Principal

3 = Scheduled Interest, Actual Principal

99 = Unknown

	  
	
5

	
Originator

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

	
General Information

	
Numeric – Integer

	
5938671

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
6

	
Loan Group

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

	
General Information

	
Text

	
1A

	
XXXX

	
Always

	
“UNK” if Unknown

	  	  
	
7

	
Loan Number

	
Unique National Mortgage Loan ID Number (Vendor TBD).

	
General Information

	
Numeric – Integer

	
TBD

	
TBD

	
Always

	
TBD

	  	
Details to be provided by Vendor

	
8

	
Amortization Type

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

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Fixed

2 = Adjustable

99 = Unknown

	  
	
9

	
Lien Position

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

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
>0

	
99 = Unknown

	  
	
10

	
HELOC Indicator

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

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
11

	
Loan Purpose

	
Indicates the purpose of the loan.

	
Loan Type

	
Numeric – Integer

	
9

	
99

	
Always

	
See Coding

	
See Appendix A

	  
	
12

	
Cash Out Amount

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

 

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

	
Loan Type

	
Numeric – Decimal

	
72476.5

	
9(10).99

	
Always

	
>= 0

	  	  
	
13

	
Total Origination and Discount Points (in dollars)

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

	
Loan Type

	
Numeric – Decimal

	
5250

	
9(10).99

	
Always

	
>= 0

	  	
Typically Lines 801 and 802 of HUD Settlement Statement

	
14

	
Covered/High Cost Loan Indicator

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

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
15

	
Relocation Loan Indicator

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

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
16

	
Broker Indicator

	
Indicates whether a broker took the application.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
17

	
Channel

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

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Retail

2 = Broker

3 = Correspondent Bulk

4 = Correspondent Flow with delegated underwriting

5 = Correspondent Flow without delegated underwriting

99 = Unknown

	  
	
18

	
Escrow Indicator

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

	
Loan Type

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
0 = No Escrows

1 = Taxes

2 = Insurance

3 = HOA dues

4 = Taxes and Insurance

5 = All

99 =Unknown

	  
	
19

	
Senior Loan Amount(s)

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

	
Mortgage Lien Info

	
Numeric – Decimal

	
611004.25

	
9(10).99

	
If Lien Position > 1

	
>= 0

	  	  
	
20

	
Loan Type of Most Senior Lien

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

	
Mortgage Lien Info

	
Numeric – Integer

	
2

	
99

	
If Lien Position > 1

	
See Coding

	
1 = Fixed Rate

2 = ARM

3 = Hybrid

4 = Neg Am

99 = Unknown

	  
	
21

	
Hybrid Period of Most Senior Lien (in months)

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

	
Mortgage Lien Info

	
Numeric – Integer

	
23

	
999

	
If Lien Position > 1

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

	
>= 0

	  	  
	
22

	
Neg Am Limit of Most Senior Lien

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

	
Mortgage Lien Info

	
Numeric – Decimal

	
1.25

	
9.999999

	
If Lien Position > 1

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

	
>= 1 and <= 2

	  	  
	
23

	
Junior Mortgage Balance

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

	
Mortgage Lien Info

	
Numeric – Decimal

	
51775.12

	
9(10).99

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

	
>= 0

	  	
Subject to Regulatory Confirmation

	
24

	
Origination Date of Most Senior Lien

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

	
Mortgage Lien Info

	
Date

	
20090914

	
YYYYMMDD

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

	
“19010101” if unknown

	  	  
	
25

	
Origination Date

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

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
26

	
Original Loan Amount

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

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
150000

	
9(10).99

	
Always

	
>0

	  	  
	
27

	
Original Interest Rate

	
The original note rate as indicated on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.0475

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
28

	
Original Amortization Term

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
360

	
999

	
Always

	
>= 60

	  	  
	
29

	
Original Term to Maturity

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>0

	
N/A

	  
	
30

	
First Payment Date of Loan

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

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	
N/A

	  
	
31

	
Interest Type Indicator

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1= Simple

2 = Actuarial

99 = Unknown

	  
	
32

	
Original Interest Only Term

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>= 0 and <= 240

Unknown = Blank;

No Interest Only Term = 0

	  	  
	
33

	
Buy Down Period

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
65

	
999

	
Always

	
>= 0 and <= 100

Unknown = Blank;

No Buy Down = 0

	  	  
	
34

	
HELOC Draw Period

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
24

	
999

	
HELOCs Only

	
>= 12 and <= 120

	  	  
	
35

	
Scheduled Loan Amount

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

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
248951.19

	
9(10).99

	
Always

	
>= 0

	  	  
	
36

	
Current Interest Rate

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

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.05875

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
37

	
Current Payment Amount Due

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

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1250.15

	
9(10).99

	
Always

	
> 0

	  	  
	
38

	
Scheduled Interest Paid

Through Date

	  	
Loan Term and Amortization Type

	
Date

	
20090429

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
39

	
Current Payment Status

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
3

	
99

	
Always

	
>= 0

	  	  
	
40

	
Index Type

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
18

	
99

	
ARMs Only

	
See Coding

	
See Appendix B

	  
	
41

	
ARM Look-back Days

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
45

	
99

	
ARMs Only

	
>= 0 to <=99

	  	  
	
42

	
Gross Margin

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.03

	
9.999999

	
ARMs Only

	
>0 and <= 1

	  	  
	
43

	
ARM Round Flag

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
3

	
9

	
ARMs Only

	
See Coding

	
0 = No Rounding

1 = Up

2 = Down

3 = Nearest

99=Unknown

	  
	
44

	
ARM Round Factor

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.0025 or 0.00125

	
9.999999

	
ARMs Only

Where ARM Round Flag = 1, 2, or 3

	
>= 0 and < 1

	  	  
	
45

	
Initial Fixed Rate Period

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
Hybrid ARMs Only

	
>= 1 to <=240

	  	  
	
46

	
Initial Interest Rate Cap (Change Up)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
47

	
Initial Interest Rate  Cap (Change Down)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
48

	
Subsequent Interest Rate Reset Period

	
The number of months between subsequent rate adjustments.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
ARMs Only

	
>=0 and <= 120

	  	
0 = Loan does not adjust after initial reset

	
49

	
Subsequent Interest Rate (Change Down)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
50

	
Subsequent Interest Rate Cap (Change Up)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
51

	
Lifetime Maximum Rate (Ceiling)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.125

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
=1 if no ceiling specified

	 
	 
	
52

	
Lifetime Minimum Rate (Floor)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.015

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

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

	
53

	
Negative Amortization Limit

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

	
Negative Amortization

	
Numeric – Decimal

	
1.25

	
9.999999

	
Negatively Amortizing ARMs Only

	
>=0, and <2

	  	  
	
54

	
Initial Negative Amortization Recast Period

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

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
55

	
Subsequent Negative Amortization Recast Period

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

	
Negative Amortization

	
Numeric – Integer

	
48

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
56

	
Initial Fixed Payment Period

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

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing Hybrid ARMs Only

	
>= 0 to <=120

	  	  
	
57

	
Subsequent Payment Reset Period

	
Number of months between payment adjustments after first payment reset.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
58

	
Initial Periodic Payment Cap

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

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
59

	
Subsequent Periodic Payment Cap

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

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
60

	
Initial Minimum Payment Reset Period

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

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
61

	
Subsequent Minimum Payment Reset Period

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

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
62

	
Option ARM Indicator

	
An indicator of whether the loan is an Option ARM.

	
Negative Amortization

	
Numeric – Integer

	
1

	
99

	
ARMs Only

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
63

	
Options at Recast

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

	
Option ARM

	
Numeric – Integer

	
2

	
99

	
Option ARMs Only

	
N/A

	
1= Fully amortizing 30 year

2= Fully amortizing 15 year

3=Fully amortizing 40 year

4 = Interest-Only

5 = Minimum Payment

99= Unknown

	  
	
64

	
Initial Minimum Payment

	
The initial minimum payment the borrower is permitted to make.

	
Option ARM

	
Numeric – Decimal

	
879.52

	
99

	
Option ARMs Only

	
>=0

	  	  
	
65

	
Current Minimum Payment

	
Current Minimum Payment (in dollars).

	
Negative Amortization

	
Numeric – Decimal

	
250

	
9(10).99

	
Option ARMs Only

	
>= 0

	  	  
	
66

	
Prepayment Penalty Calculation

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

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
99

	
Always

	
See Coding

	
See Appendix C

	  
	
67

	
Prepayment Penalty Type

	

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

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

	
Prepayment Penalties

	
Numeric – Integer

	
1

	
99

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

	
See Coding

	
1 = Hard

2 = Soft

3 = Hybrid

99 = Unknown

	  
	
68

	
Prepayment Penalty Total Term

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

	
Prepayment Penalties

	
Numeric – Integer

	
60

	
999

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

	
>0 to <=120

	  	  
	
69

	
Prepayment Penalty Hard Term

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

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
999

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

	
>= 0 to <=120

	  	  
	
70

	
Primary Borrower ID

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

	
Borrower

	
Numeric—Integer

	
123456789

	
999999999

	
Always

	
>0

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

	
71

	
Number of Mortgaged Properties

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

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
> 0

	  	  
	
72

	
Total Number of Borrowers

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

	
Borrower

	
Numeric – Integers

	
2

	
99

	
Always

	
> 0

	  	  
	
73

	
Self-employment Flag

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

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
74

	
Current ‘Other’ Monthly Payment

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

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1789.25

	
9(10).99

	
Always

	
> 0

	  	  
	
75

	
Length of Employment: Borrower

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

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
Always

	
>=0

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

	  
	
76

	
Length of Employment: Co-Borrower

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

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
If “Total Number of Borrowers” > 1

	
>= 0

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

	  
	
77

	
Years in Home

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

	
Borrower Qualification

	
Numeric – Decimal

	
14.5

	
99.99

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

	
> 0

	  	  
	
78

	
FICO Model Used

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

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
If a FICO score was obtained

	
See Coding

	
1 = Classic

2 = Classic 08

3 = Next Generation

99 = Unknown

	  
	
79

	
Most Recent FICO Date

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

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a FICO score was obtained

	
“19010101” if unknown

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

	
80

	
Primary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
81

	
Primary Wage Earner Original FICO:  Experian

	
Experian FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
82

	
Primary Wage Earner Original FICO:  TransUnion

	
TransUnion FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
83

	
Secondary Wage Earner Original FICO:  Equifax

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
84

	
Secondary Wage Earner Original FICO:  Experian

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
85

	
Secondary Wage Earner Original FICO: TransUnion

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
86

	
Most Recent Primary Borrower FICO

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
87

	
Most Recent Co-Borrower FICO

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
88

	
Most Recent FICO Method

	
Number of credit repositories used to update the FICO Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a FICO score was obtained

	
>0

	  	  
	
89

	
VantageScore: Primary Borrower

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a Vantage Credit Score was obtained

	
>= 501 and <= 990

	  	  
	
90

	
VantageScore: Co-Borrower

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

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

	
>= 501 and <= 990

	  	  
	
91

	
Most Recent VantageScore Method

	
Number of credit repositories used to update the Vantage Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a Vantage Credit Score was obtained

	
>0

	  	  
	
92

	
VantageScore Date

	
Date Vantage Credit Score was obtained.

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a Vantage Credit Score was obtained

	
“19010101” if unknown

	  	  
	
93

	
Credit Report: Longest Trade Line

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

	
Borrower Qualification

	
Numeric – Integer

	
999

	
999

	
Always

	
> =0

	  	
Subject to Regulatory Confirmation

	
94

	
Credit Report: Maximum Trade Line

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

	
Borrower Qualification

	
Numeric – Decimal

	
339420.19

	
9(10).99

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
95

	
Credit Report: Number of Trade Lines

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

	
Borrower Qualification

	
Numeric – Integer

	
57

	
999

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
96

	
Credit Line Usage Ratio

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

	
Borrower Qualification

	
Numeric – Decimal

	
0.27

	
9.999999

	
Always

	
>= 0 and <= 1

	  	
Subject to Regulatory Confirmation

	
97

	
Most Recent 12-month Pay History

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

	
Borrower Qualification

	
Text

	
77X123200001

	
X(12)

	
Always

	
See Coding

	
0 = Current

1 = 30-59 days delinquent

2 = 60-89 days delinquent

3 = 90-119 days delinquent

4 = 120+ days delinquent

5 = Foreclosure

6 = REO

7 = Loan did not exist in period

X = Unavailable

	  
	
98

	
Months Bankruptcy

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

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Bankruptcy

	
>= 0

	  	
Blank = Borrower is not known to have been in bankruptcy

	
99

	
Months Foreclosure

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

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Foreclosure

	
>= 0

	  	
Blank = Borrower is not known to have been in foreclosure

	
100

	
Primary Borrower Wage Income

	
Monthly base wage income for primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
101

	
Co-Borrower Wage Income

	
Monthly base wage income for all other borrowers.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
102

	
Primary Borrower Other Income

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

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
103

	
Co-Borrower Other Income

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

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
104

	
All Borrower Wage Income

	
Monthly income of all borrowers derived from base salary only.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
105

	
All Borrower Total Income

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

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
106

	
4506-T Indicator

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

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
107

	
Borrower Income Verification Level

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

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

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

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

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

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

	  
	
108

	
Co-Borrower Income Verification

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

 

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

 

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

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

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

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

	  
	
109

	
Borrower Employment Verification

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

 

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

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
110

	
Co-Borrower Employment Verification

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

 

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

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
111

	
Borrower Asset Verification

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

 

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

 

	
Borrower Qualification

	
Numeric – Integer

	
3

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
112

	
Co-Borrower Asset Verification

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

 

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

 

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
113

	
Liquid / Cash Reserves

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

	
Borrower Qualification

	
Numeric – Decimal

	
3242.76

	
9(9).99

	
Always

	
>= 0

	  	  
	
114

	
Monthly Debt All Borrowers

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

	
Borrower Qualification

	
Numeric – Decimal

	
3472.43

	
9(9).99

	
Always

	
>= 0

	  	  
	
115

	
Originator DTI

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

	
Borrower Qualification

	
Numeric – Decimal

	
0.35

	
9.999999

	
Always

	
>= 0 and >= 1

	  	  
	
116

	
Fully Indexed Rate

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

	
Borrower Qualification

	
Numeric – Decimal

	
0.0975

	
9.999999

	
ARMs Only

	
>= 0 and >= 1

	  	  
	
117

	
Qualification Method

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

	
Borrower Qualification

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
1 = Start Rate

2 = First Year Cap Rate

3 = I/O Amount

4 = Fully Indexed

5 = Min Payment

98 = Other

99 = Unknown

	  
	
118

	
Percentage of Down Payment from Borrower Own Funds

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

	
Borrower Qualification

	
Numeric – Decimal

	
0.5

	
9.999999

	
Purchase Loans Only

	
>= 0 and >= 1

	  	  
	
119

	
City

	
The name of the city.

	
Subject Property

	
Text

	
New York

	
X(45)

	
Always

	
Unk=Unknown

	  	  
	
120

	
State

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

	
Subject Property

	
Text

	
NY

	
XX

	
Always

	
See Coding

	
See Appendix H

	  
	
121

	
Postal Code

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

	
Subject Property

	
Text

	
10022

	
X(5)

	
Always

	
Unk=Unknown

	  	  
	
122

	
Property Type

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

	
Subject Property

	
Numeric – Integer

	
11

	
99

	
Always

	
See Coding

	
See Appendix D

	  
	
123

	
Occupancy

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

	
Subject Property

	
Numeric – Integer

	
4

	
9

	
Always

	
See Coding

	
See Appendix E

	  
	
124

	
Sales Price

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

	
Subject Property

	
Numeric – Decimal

	
450000.23

	
9(10).99

	
Purchase Loans Only

	
> 0

	  	  
	
125

	
Original Appraised Property Value

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

	
Subject Property

	
Numeric – Decimal

	
550000.23

	
9(10).99

	
Always

	
> 0

	  	  
	
126

	
Original Property Valuation Type

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

	
Subject Property

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix F

	  
	
127

	
Original Property Valuation Date

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

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
128

	
Original Automated Valuation Model (AVM) Model Name

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

	
Subject Property

	
Numeric – Integer

	
1

	
99

	
Always

	
See Appendix I

	
See Appendix I

	  
	
129

	
Original AVM Confidence Score

	
The confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.74

	
9.999999

	
If AVM Model Name (Field 127) > 0

	
>= 0 to <= 1

	  	  
	
130

	
Most Recent Property Value[1]

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

	
Subject Property

	
Numeric – Decimal

	
500000

	
9(10).99

	
If updated value was obtained subsequent to loan approval

	
> 0

	  	  
	
131

	
Most Recent Property Valuation Type

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

	
Subject Property

	
Numeric – Integer

	
6

	
9

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix F

	  
	
132

	
Most Recent Property Valuation Date

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

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
If updated value was obtained subsequent to loan approval

	
“19010101” if unknown

	  	  
	
133

	
Most Recent AVM Model Name

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

	
Subject Property

	
Numeric – Integer

	
19

	
99

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix I

	  
	
134

	
Most Recent AVM Confidence Score

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

	
Subject Property

	
Numeric – Decimal

	
0.85

	
9.999999

	
If “Most Recent AVM Model Name” > 0

	
>= 0 to <= 1

	  	  
	
135

	
Original CLTV

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

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.96

	
9.999999

	
Always

	
>= 0 and <= 1.5

	  	  
	
136

	
Original LTV

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

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.8

	
9.999999

	
Always

	
>= 0 and <= 1.25

	  	  
	
137

	
Original Pledged Assets

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

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
75000

	
9(10).99

	
Always

	
>=0

	  	  
	
138

	
Mortgage Insurance Company Name

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

	
Mortgage Insurance

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
139

	
Mortgage Insurance Percent

	
Mortgage Insurance coverage percentage.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
“Mortgage Insurance Company Name” > 0

	
>= 0 to <= 1

	  	  
	
140

	
MI: Lender or Borrower Paid?

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

	
Mortgage Insurance

	
Numeric – Integer

	
1

	
99

	
“Mortgage Insurance Company Name” > 0

	
See Coding

	
1 = Borrower-Paid

2 = Lender- Paid

99 = Unknown

	  
	
141

	
Pool Insurance Co. Name

	
Name of pool insurance provider.

	
Mortgage Insurance

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
142

	
Pool Insurance Stop Loss %

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

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
Pool MI Company > 0

	
>= 0 to <= 1

	  	  
	
143

	
MI Certificate Number

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

	
Mortgage Insurance

	
Text

	
123456789G

	
X(20)

	
MI Company

> 0

	
UNK = Unknown

	  	  
	
144

	
Updated DTI

(Front-end)

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

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

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
145

	
Updated DTI

(Back-end)

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

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

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
146

	
Modification Effective Payment Date

	
Date of first payment due post modification.

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

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
147

	
Total Capitalized Amount

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

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

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
148

	
Total Deferred Amount

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

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

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
149

	
Pre-Modification Interest (Note) Rate

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

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

	
Numeric – Decimal

	
0.075

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
150

	
Pre-Modification P&I Payment

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

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

	
Numeric – Decimal

	
2310.57

	
9(10).99

	
Modified Loans Only

	
> 0

	  	  
	
151

	
Pre-Modification Initial Interest Rate Change Downward Cap

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

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

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
152

	
Pre-Modification Subsequent Interest Rate Cap

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

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

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
153

	
Pre-Modification Next Interest Rate Change Date

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

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

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
154

	
Pre-Modification I/O Term

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

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

	
Numeric – Integer

	
36

	
999

	
Modified Loans Only

	
>= 0 to <= 120

	  	  
	
155

	
Forgiven Principal Amount

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

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

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
156

	
Forgiven Interest Amount

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

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

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
157

	
Number of Modifications

	
The number of times the loan has been modified.

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

	
Numeric – Integer

	
1

	
9

	
Modified Loans Only

	
>= 0

	  	  
	
MH-1

	
Real Estate Interest

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

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Owned

2 = Short-term lease

3 = Long-term lease

99 = Unavailable

	  
	
MH-2

	
Community Ownership Structure

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

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Public Institutional

2 = Public Non-Institutional

3 = Private Institutional

4 = Private Non-Institutional

5 = HOA-Owned

6 = Non-Community

99 = Unavailable

	  
	
MH-3

	
Year of Manufacture

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

	
Manufactured Housing

	
Numeric – Integer

	
2006

	
YYYY

	
Manufactured Housing Loans Only

	
1901 = Unavailable

	  	  
	
MH-4

	
HUD Code Compliance  Indicator (Y/N)

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

	
Manufactured Housing

	
Numeric – Integer

	
1

	
9

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-5

	
Gross Manufacturer’s Invoice Price

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

	
Manufactured Housing

	
Numeric – Decimal

	
72570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-6

	
LTI (Loan-to-Invoice) Gross

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

	
Manufactured Housing

	
Numeric – Decimal

	
0.75

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-7

	
Net Manufacturer’s Invoice Price

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

	
Manufactured Housing

	
Numeric – Decimal

	
61570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-8

	
LTI (Net)

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

	
Manufactured Housing

	
Numeric – Decimal

	
0.62

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-9

	
Manufacturer Name

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

	
Manufactured Housing

	
Text

	
“XYZ Corp”

	
Char (100)

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

	
MH Manufacturer name in double quotation marks

	  	  
	
MH-10

	
Model Name

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

	
Manufactured Housing

	
Text

	
“DX5-916-X”

	
Char (100)

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

	
MH Model name in double quotation marks

	  	  
	
MH-11

	
Down Payment Source

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

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
1 = Cash

2 = Proceeds from trade in

3 = Land in Lieu

4 = Other

99 = Unavailable

	  
	
MH-12

	
Community/Related Party Lender (Y/N)

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

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-13

	
Defined Underwriting Criteria (Y/N)

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

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-14

	
Chattel Indicator

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

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = Real Estate

1 = Chattel

99 = Unavailable

	  

 

  

22

  

 

ATTACHMENT 2

SALE AND SERVICING AGREEMENT

 

(Please refer to Exhibit 10.9 to Form 8-K filed by the Issuing Entity on September 26, 2011)

 

  

23

  

EXHIBIT D-3

INITIAL AUTHORIZED REPRESENTATIVES OF THE SERVICER

 

On file with the Custodian

	
Name

	 	
Title

	 	
Specimen Signature

	
     

	   	
  

	 	
  

	
  

	   	
  

	 	
    

	
  

	   	
  

	 	
  

	
  

	 	
  

	 	
  

	
  

	 	
  

	 	
  

	
  

	 	
  

	 	
  

	
  

	 	
  

	 	
  

	
  

	 	
  

	 	
  

	
  

	 	
  

	 	
  

	
   

	 	
  

	 	
  

	
  

	 	
  

	 	
  

	
  

	 	
  

	 	
  

	
  

	 	
  

	 	
  

	
  

	 	
  

	 	
  

	
  

	 	
  

	   	
  

 

  

 

  

EXHIBIT F

REQUEST FOR RELEASE OF DOCUMENTS

	
To: 

	
Wells Fargo Bank, N.A.                                                                                     Date:  _______________

751 Kasota Avenue

Minneapolis, MN  55414

Attn:  WFDC Release Department.

	
  

	
Re:

	
Custodial Agreement, dated as of September 1, 2011, among U.S. Bank National Association, as Trustee, Wells Fargo Bank, N.A., as Custodian, Sequoia Residential Funding, Inc., as Depositor, and Redwood Residential Acquisition Corporation, as Seller

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

Mortgage Loan Number:                                                                      Investor Number:                                        

Mortgagor Name, Address & Zip Code:                                                 Pool Number:                                                 

Reason for Requesting Documents (check one):

_______ 1. Mortgage Paid in Full

_______ 2. Foreclosure

_______ 3.  Substitution

_______  4. Other Liquidation

_______ 5. Non-liquidation                                         Reason:__________________

For CMI Use Only:_____________

By:____________________________________________

 (Authorized Signature)

Printed Name ___________________________________

Servicer Name:______________________________ ____

Ship To Address: ________________________________

_________________________________

  

 

  

Phone:                                ______  ________________

 

Custodian

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

	      	  	
Date

	
Signature

	  	  
	  	  	  
	
Documents returned to Custodian:

	  	  
	  	  	  
	    	  	
Date

	
CustodianUnassociated Document

 

EXHIBIT 10.6

 

ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT

This is an Assignment, Assumption and Recognition Agreement (the “Agreement”) made as of the 27th day of September, 2011, among Redwood Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware corporation (“Depositor”), U.S. Bank National Association, a national banking association, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” or the “Assignee”) under a Pooling and Servicing Agreement dated as of September 1, 2011 (the “Pooling Agreement”), and SunTrust Mortgage, Inc., a Virginia corporation (“SunTrust”).

In consideration of the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed on Attachment 1 annexed hereto (the “Mortgage Loan Schedule”) now serviced by SunTrust (together with its successors and assigns, the “Servicer”) for Assignor and its successors and assigns pursuant to the Flow Mortgage Loan Sale and Servicing Agreement dated as of March 1, 2011, between Assignor and SunTrust (the “Sale and Servicing Agreement”) shall be serviced by SunTrust for the benefit of the Assignee and the servicing thereof shall be subject to the terms of the Sale and Servicing Agreement as modified or supplemented by this Agreement.  Capitalized terms used herein but not defined shall have the meanings ascribed to them in the Sale and Servicing Agreement.  Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage Loan Purchase and Sale Agreement dated the date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the Pooling Agreement.

Assignment and Assumption

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

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

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

  

 

  

 

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

 

Representations and Warranties

 

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

 

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

 

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

 

(c)         There are no offsets, counterclaims or other defenses available to SunTrust with respect to the Sale and Servicing Agreement;

 

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

 

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

  

2

  

 

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

 

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

 

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

 

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

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

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

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

  

3

  

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

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

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

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

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

  

4

  

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

Restated SunTrust Representations and Warranties

                9.           SunTrust hereby restates to Depositor and Assignee (a) the representations and warranties set forth in Subsection 7.01 of the Sale and Servicing Agreement as of the related Closing Date and (b) the representations and warranties set forth in Subsection 7.02 of the Sale and Servicing Agreement as of the date hereof, as if such representations and warranties were set forth herein in full.

                              In the event of a breach of any representations and warranties referred to in clauses (a) or (b) above as of the related Closing Date or the date hereof, as the case may be, Assignee shall be entitled to all the remedies under the Sale and Servicing Agreement, subject to the rights of the Controlling Holder pursuant to Section 13.

Repurchase by Assignor Upon Certain Breaches of Representations and Warranties

                10.         (a)          Assignor hereby covenants and agrees that, if a breach of any representation and warranty set forth in Subsection 7.01 of the Sale and Servicing Agreement exists on the date hereof that materially and adversely affects the value of any Mortgage Loan or the interest of Assignee in any Mortgage Loan and such breach did not exist as of the Closing Date (as defined in the Sale and Servicing Agreement) of that Mortgage Loan, Assignor shall have a period of 60 days from the earlier of either discovery by or receipt of written notice from Assignee to Assignor of such breach within which to correct or cure such breach.  A breach of representations and warranties in Subsections 7.01(h) and (bb) shall be deemed to materially and adversely affect the value of the related Mortgage Loan or the interest of the Assignee therein.  Assignor hereby covenants and agrees that if any breach cannot be corrected or cured within such 60 day period, then Assignor shall repurchase the related Mortgage Loan at the Repurchase Price not later than 90 days after its discovery or receipt of notice of such breach by wire transfer of immediately available funds to such account as Assignee shall specify to Assignor.

                              (b)          Assignor and Assignee agree that the resolution of any controversy or claim arising out of or relating to an obligation or alleged obligation of Assignor to repurchase a Mortgage Loan or Mortgage Loans pursuant to Section 10(a) above shall be by Arbitration administered by the American Arbitration Association.  If any such controversy or claim has not been resolved to the satisfaction of both Assignor and Assignee, either party may commence Arbitration to resolve the dispute; provided that a party may commence Arbitration with respect to one or more unresolved allegations only during the months of January, April, July and October, and all matters with respect to which Arbitration has been commenced in any such month shall be heard in a single Arbitration in the immediately following month or as soon as practicable thereafter; and provided further that if any Arbitration arising out of or relating to an obligation or alleged obligation of SunTrust to repurchase a Mortgage Loan relating to the same representation and warranty has commenced and is continuing, then such Arbitration shall be joined with the Arbitration commenced hereunder.

  

5

  

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

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

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

  

6

  

Recognition of Assignee

                11.         From and after the date hereof, subject to Sections 13 and 14 below, SunTrust shall recognize Assignee as owner of the Mortgage Loans and will service the Mortgage Loans and perform its obligations hereunder for the benefit of the Assignee in accordance with the Sale and Servicing Agreement, as modified or supplemented by the terms of this Agreement hereby or as may be amended from time to time in accordance with the terms of the Sale and Servicing Agreement, as if Assignee and SunTrust had entered into a separate servicing agreement for the purchase and servicing of the Mortgage Loans in the form of the Sale and Servicing Agreement, the terms of which are incorporated herein by reference, as amended by this Agreement.  It is the intention of Assignor, Depositor, SunTrust and Assignee that this Agreement, which includes the Sale and Servicing Agreement, shall constitute a separate and distinct purchase and servicing agreement, and the entire agreement, between SunTrust and Assignee to the extent of the Mortgage Loans and shall be binding upon and for the benefit of the respective successors and assigns of the parties hereto.

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

Continuing Rights and Responsibilities

13.          (a)          Controlling Holder Rights.  SunTrust agrees and acknowledges that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor, in its capacity as the initial Controlling Holder pursuant to the Pooling Agreement, and until written notice is provided to SunTrust that it is no longer the Controlling Holder, will assume all of Assignee's rights and all related responsibilities as Purchaser under each of the following sections of the Sale and Servicing Agreement:

	
 

	
Sale and Servicing Agreement:

 

	
Section or Subsection

	  	
Matter

	  	  	  
	
6.03

	  	
Delivery of Mortgage Loan Documents

	  	  	  
	
7.03, other than 7.03(c)

	  	
Repurchase and Substitution

	  	  	  
	
7.04

	  	
Repurchase of Mortgage Loans With Early Payment Default

	  	  	  
	
11.01, 5th, 7th and 8th paragraphs

	  	
Servicer to Act as Servicer; Subservicing

	
11.09

	  	
Transfer of Accounts

	  	  	  
	
11.10(b)

	  	
Maintenance of Hazard Insurance

	  	  	  
	
11.13, 4th and 5th paragraphs

	  	
Title, Management and Disposition of REO Property

	  	  	  
	
11.18

	  	
Assumption Agreements

	  	  	  
	
11.20

	  	
Servicer Shall Provide Access and Information as Reasonably Required

 

  

7

  

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

 

	
 

	

Sale and Servicing Agreement:

 

	
Subsection

	 	
Matter

	
7.05

	 	
Purchase Price Protection

	 	 	 
	
Addendum I

	 	
Regulation AB Compliance Addendum

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

	
 

	

Sale and Servicing Agreement:

 

	
Subsection

	 	  
	  	 	  
	
11.16

	 	
Statements to the Purchaser

	  	 	  
	
Subsection 2.04 of Addendum I

	 	
Servicer Compliance Statement

	  	 	  
	
Subsection 2.05 of Addendum I

	 	
Report on Assessment of Compliance and Attestation

 

                              (d)          If notice is provided in writing to SunTrust that any Affiliate of the Depositor is no longer the Controlling Holder under the Pooling Agreement, then all rights and responsibilities assumed by the Controlling Holder pursuant to Section 13(a) of this Agreement shall terminate and revert to Assignee; provided, however, that the rights and responsibilities assumed by the Controlling Holder under the following provisions of the Sale and Servicing Agreement shall terminate in their entirety as to the Mortgage Loans:  (A) the 5th paragraph of Section 11.01, (B) the last sentence of the 7th paragraph of Section 11.01, (C) the second sentence of the 4th paragraph of Section 11.13, and (D) the second and third sentences of Section 14.03.  Assignor will provide thirty (30) days notice to SunTrust of any such termination.

  

8

  

Amendments to Sale and Servicing Agreement

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

(a)          Definitions.

(i)           The definitions of “Business Day,” “Opinion of Counsel,” “Repurchase Price” and “Stated Principal Balance” set forth in Section 1 of the Sale and Servicing Agreement shall be deleted and replaced in their entirety as follows, and the following definitions of  “Affiliate,” “Clean-up Call,” “Principal Forbearance Amount,” “Securities Administrator” and “Servicing Modification” shall be added to Section 1 of the Sale and Servicing Agreement:

Affiliate: With respect to any specified Person, another Person controlling or controlled by or under common control with such specified Person.  For the purposes of this definition, “control” when used with respect to any specified Person means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of voting securities, by contract or otherwise; and the terms “controlling” and “controlled” have meanings correlative to the foregoing.

Business Day:  Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the states of California, Georgia, Maryland, Minnesota, Missouri or New York or in the Commonwealth of Virginia,  (iii) a day on which banks in the states of California, Georgia, Maryland, Minnesota, Missouri or New York or in the Commonwealth of Virginia, are authorized or obligated by law or executive order to be closed or (iv) a day on which the New York Stock Exchange or the Federal Reserve Bank of New York is closed.

Clean-up Call: The optional purchase of the mortgage loans subject to the Pooling Agreement and all property acquired in respect of any such mortgage loan remaining in the trust fund created pursuant to the Pooling Agreement on any date on which the aggregate stated principal balance is less than either 20% or 5%, as applicable, of the aggregate stated principal balance as of September 1, 2011, in accordance with the Pooling Agreement.

 

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

  

9

  

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

Repurchase Price:   With respect to any Mortgage Loan, a price equal to (i) the unpaid principal balance of the Mortgage Loan, plus (ii) interest on such unpaid principal balance at the related Mortgage Loan Remittance Rate from the last date through which interest was last paid by or on behalf of the Mortgagor to the last day of the month in which such repurchase occurs, plus (iii) reasonable and customary third party expenses incurred in connection with the transfer of the Mortgage Loan being repurchased, minus (iv) any amounts received in respect of such repurchased Mortgage Loan and being held in the Custodial Account for future distribution in connection with such Mortgage Loan; which Repurchase Price proceeds shall be deposited in the Custodial Account for withdrawal by the Servicer in accordance with Subsection 11.05; provided, however, that if at the time of repurchase the Servicer is not the Seller or an Affiliate of the Seller, the amount described in clause (ii) shall be computed as the sum of (a) the Mortgage Loan Remittance Rate and (b) the Servicing Fee Rate.

Securities Administrator:  Wells Fargo Bank, N.A., not in its individual capacity but solely as Securities Administrator under the Pooling Agreement, or any successor in interest, or if any successor Securities Administrator shall be appointed as provided in the Pooling Agreement, then such successor Securities Administrator.

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

Stated Principal Balance:  As to any Mortgage Loan and date of determination, the unpaid principal balance of such Mortgage Loan as of the most recent Due Date as determined by the amortization schedule for the Mortgage Loan at the time relating thereto (before any adjustment to such amortization schedule by reason of any moratorium or similar waiver or grace period) after giving effect to any previous Servicing Modification, Principal Prepayments and related Liquidation Proceeds allocable to principal and to the payment of principal due on such Due Date (but not unscheduled Principal Prepayments received on such Due Date) and irrespective of any delinquency in payment by the related Mortgagor.

  

10

  

(b)           Servicing Standard.  In servicing the Mortgage Loans in accordance with this Agreement and Customary Servicing Procedures, the Servicer shall service the Mortgage Loans with a view to maximizing recovery on the Mortgage Loans.

If the Controlling Holder notifies the Servicer that it intends to purchase a Mortgage Loan that has been Delinquent for 120 days or more pursuant to the Pooling Agreement, the Servicer will assess the proposed purchase in the same manner as it would assess whether to do a short sale.  If the proposed purchase price equals or exceeds the price at which a short sale would otherwise be effected, the Servicer shall permit such purchase.

(c)            Segregated Custodial Account.  The Servicer shall establish a Custodial Account pursuant to Subsection 11.04 of the Sale and Servicing Agreement which shall be titled “SunTrust Mortgage Inc., in trust for U.S. Bank National Association, as trustee of the Sequoia Mortgage Trust 2011-2” (the “2011-2 Custodial Account”), which shall be the Custodial Account under this Agreement for all purposes.  If the 2011-2 Custodial Account is no longer an Eligible Account, the Servicer shall transfer the 2011-2 Custodial Account to an account that is an Eligible Account.  The 2011-2 Custodial Account shall qualify as an Eligible Account.

(d)           Transfer of Eligible Investments.  The following sentences shall be added at the end of the last paragraph of Subsection 11.04:

 

Notwithstanding anything to the contrary in this Agreement, for all Eligible Investments rated at least "F1/A+"(short/long) that have terms greater than 60 days, in the event of a downgrade of such Eligible Investment below "F1" (or "A+" if no short term rating) Servicer agrees to remove such Eligible Investment within 60 days of such downgrade.  Servicer acknowledges and agrees that Servicer shall bear any losses incurred with respect to removal of such Eligible Investment following such a downgrade and that any losses shall be immediately deposited by the Servicer in the 2011-2 Custodial Account, as appropriate, out of the Servicer’s own funds, with no right to reimbursement therefor.

 

  

11

  

 

(e)          Form of Monthly Report.

The Servicer shall provide monthly accounting reports to the Purchaser and Master Servicer, pursuant to Subsection 11.16 of the Sale and Servicing Agreement, with the information required by the monthly reporting format of the Master Servicer as previously provided to the Servicer by Assignor.

(f)           Shorter Cure Period for Failure to Provide Distribution Data. An additional “Event of Default” shall be listed in Subsection 13.01, to be inserted after clause (i), to read in its entirety as follows:

or (j) Servicer shall fail to provide to Purchaser the data required to be provided pursuant to the first paragraph of Subsection 11.16 and such failure shall continue for three Business Days after notice of such failure has been given to Servicer by Purchaser;

(g)          Clean-up Call.  A new Section 33 shall be added to the Sale and Servicing Agreement, to read in its entirety as follows:

SECTION 33.  Clean-up Call.  In the event a Clean-up Call is exercised, the purchaser of the remaining Mortgage Loans (a) shall have all right, title and interest in, to and under the Sale and Servicing Agreement to the extent relating to such Mortgage Loans and (b) shall be bound as “Purchaser” under the Sale and Servicing Agreement from and after the date it exercises the Clean-up Call.  The remaining Mortgage Loans shall be serviced by SunTrust for such purchaser in accordance with the terms and conditions of the Sale and Servicing Agreement.

(h)          REMIC Provisions.

(i)           The following definition of “REMIC Provisions” is hereby added to Section 1 of the Sale and Servicing Agreement:

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

 

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

 

  

12

  

 

If a Mortgage Loan is held by a REMIC, the Servicer shall not acquire any real property (or personal property incident to such real property) in respect of such Mortgage Loan except in connection with a default or imminent default of such Mortgage Loan. In the event that a REMIC acquires any real property (or personal property incident to such real property) in connection with a default or imminent default of a Mortgage Loan, such property shall be disposed of by the Servicer as soon as practicable in a manner that, consistent with prudent mortgage loan servicing practices, maximizes the net present value of the recovery to the trust formed pursuant to the Pooling Agreement (the "Trust"), but in any event within three years after its acquisition by such REMIC unless the Servicer provides to the Purchaser and the Securities Administrator an Opinion of Counsel to the effect that the holding by such REMIC of such Mortgaged Property subsequent to three years after its acquisition will not result in the imposition of taxes on “prohibited transactions” on such REMIC as defined in Section 860F of the Code or under the law of any state in which real property securing a Mortgage Loan owned by such REMIC is located or cause such REMIC to fail to qualify as a REMIC for federal income tax purposes or for state tax purposes under the laws of any state in which real property securing a Mortgage Loan owned by such REMIC is located at any time that any mortgage pass-through certificates representing interests in such REMIC are outstanding. The Servicer shall conserve, protect and operate each such property for such REMIC solely for the purpose of its prompt disposition and sale in a manner which does not cause such property to fail to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) or result in the receipt by such REMIC of any “income from non-permitted assets” within the meaning of Section 860F(a)(2)(B) of the Code or any “net income from foreclosure property” which is subject to taxation under the REMIC Provisions. Pursuant to its efforts to sell such property, the Servicer shall either itself or through an agent selected by the Servicer protect and conserve such property in the same manner and to such extent as is customary in the locality where such property is located and may, incident to its conservation and protection of the assets of the Trust, rent the same, or any part thereof, as the Servicer deems to be in the best interest of the Trust for the period prior to the sale of such property. Additionally, the Servicer shall perform the tax withholding and shall file information returns with respect to the receipt of mortgage interests received in a trade or business, the reports of foreclosures and abandonments of any Mortgaged Property and the information returns relating to cancellation of indebtedness income with respect to any Mortgaged Property required by Sections 6050H, 6050J and 6050P, respectively, of the Code, and deliver to the Purchaser and the Securities Administrator 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.

(iii)           The following additional provisions shall be added after Subsection 11.23, to read in its entirety as follows:

 

  

13

  

Subsection 11.24 Compliance with REMIC Provisions.  If a REMIC election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, the Servicer shall not take any action, cause the REMIC to take any action or fail to take (or fail to cause to be taken) any action that, under the REMIC Provisions, if taken or not taken, as the case may be could (i) endanger the status of the REMIC as a REMIC or (ii) result in the imposition of a tax upon the REMIC (including but not limited to the tax on “prohibited transactions” as defined in Section 860F(a)(2) of the Code and the tax on “contribution” to a REMIC set forth in Section 860G(d) of the Code) unless the Servicer has received an Opinion of Counsel (at the expense of the party seeking to take such actions) to the effect that the contemplated action will not endanger such REMIC status or result in the imposition of any such tax.

(i)     Foreclosure Proceedings.  The first sentence of Subsection 11.13 is hereby deleted and replaced in its entirety with the following:

Subject to Subsection 11.02, in the event that title to the Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be taken in the name of the Trust, where permitted by applicable law or regulation, and where not so permitted, in the name of the trustee of the Trust or its nominee.

(j)     Subsection 11.05 is revised by adding clause (j), to be inserted after clause (i), to read in its entirety as follows:

(j)     to reimburse itself for P&I Advances and Servicing Advances that were added to the outstanding principal balance of a Mortgage Loan in connection with a modification of such Mortgage Loan to capitalize arrearages; provided, that the Servicer shall be entitled to be reimbursed for these amounts only from the principal collections on the Mortgage Loans;

(k)    The rights under the Sale and Servicing Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under the Sale and Servicing Agreement as amended by this Agreement.

Miscellaneous

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

 

	
(a)

	
In the case of SunTrust as Seller,

	  	  
	  	
SunTrust Mortgage, Inc.

	  	
901 Semmes Avenue

	  	
Richmond, Virginia  23224

	  	
Attention:  Asset Solutions

	  	  
	  	
with a copy to the Legal Department at the same address

 

  

14

  

 

	
(b)

	
In the case of SunTrust as Servicer,

	  	  
	  	
SunTrust Mortgage, Inc.

	  	
1001 Semmes Avenue

	  	
Richmond, Virginia  23224

	  	
Attention:  Servicing Manager

	  	  
	  	
with a copy to the Legal Department at the address listed above for  SunTrust as Seller

	  	  
	
(b)

	
In the case of Assignee,

	  	  
	  	
U.S. Bank National Association

	  	
60 Livingston Avenue

	  	
EP-MN-WS3D

	  	
St. Paul, Minnesota, 55107

	  	
Attention: Structured Finance – Sequoia Mortgage Loan Trust 2011-2

	  	  
	
(c)

	
In the case of Depositor,

	  	  
	  	
Sequoia Residential Funding, Inc.

	  	
One Belvedere Place, Suite 360

	  	
Mill Valley, California 94941

	  	
Attention: William Moliski

	  	  
	  	
with a copy to

	  	  
	  	
General Counsel at the same address

	  	  
	
(d)

	
In the case of Assignor,

	  	  
	  	
Redwood Residential Acquisition Corporation

	  	
One Belvedere Place, Suite 360

	  	
Mill Valley, California 94941

	  	
Attention: William Moliski

	  	  
	  	
with a copy to

	  	  
	  	
General Counsel at the same address

	  	  
	
(e)

	
In the case of Master Servicer,

	  	  
	  	
Wells Fargo Bank, N.A.

	  	
9062 Old Annapolis Road

	  	  
	  	
Columbia, Maryland 21045

	  	
Telephone number:  (410) 884-2000

	  	
Facsimile number: (410) 715-2380

	  	
Electronic mail address:  g=cts-spg-team-a-5@wellsfargo.com

	  	
Attention:  Client Manager — Sequoia Mortgage Trust 2011-2

                   

  

15

  

 

	
(f)

	
In the case of the Controlling Holder,

	  	  
	  	
Sequoia Mortgage Funding Corporation

	  	
One Belvedere Place, Suite 360

	  	
Mill Valley, California 94941

	  	
Attention: William Moliski

	  	  
	  	
with a copy to

	  	  
	  	
General Counsel at the same address

 

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

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

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

19.           This Agreement shall survive the conveyance of the Mortgage Loans, the assignment of the Sale and Servicing Agreement to the extent of the Mortgage Loans by Assignor to Depositor and by Depositor to Assignee, and the termination of the Sale and Servicing Agreement.

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

21.           The Controlling Holder under the Pooling Agreement is an express third party beneficiary of this Agreement, and shall have the same power and ability to exercise and enforce the rights expressly provided to it in Section 13 as if it were a signatory hereto.  SunTrust hereby consents to such exercise and enforcement. 

  

16

  

22.          It is expressly understood and agreed by the parties hereto that insofar as this Agreement is executed by the Trustee (i) this Agreement is executed and delivered by U.S. Bank National Association (“U.S. Bank”) not in its individual capacity but solely as Trustee on behalf of the trust created by the Pooling Agreement referred to herein (the “Trust”) in the exercise of the powers and authority conferred upon and vested in it, and as directed in the Pooling Agreement, (ii) each of the undertakings and agreements herein made on behalf of the Trust is made and intended not as a personal undertaking or agreement of or by U.S. Bank but is made and intended for purposes of binding only the Trust, (iii) nothing herein contained shall be construed as creating any liability on the part of U.S. Bank, individually or personally, to perform any covenant either express or implied in this Agreement, all such liability, if any, being expressly waived by the parties hereto and by any person claiming by, through or under the parties hereto, and (iv) under no circumstances shall U.S. Bank in its individual capacity or in its capacity as Trustee be personally liable for the payment of any indebtedness, amounts or expenses owed by the Assignor under the Sale and Servicing Agreement (such indebtedness, expenses and other amounts being payable solely from and to the extent of funds of the Trust) or be personally liable for the breach or failure of any obligation, representation, warranty or covenant made under this Agreement or any other related documents.

23.          Master Servicer.  SunTrust hereby acknowledges that the Assignee has appointed Wells Fargo Bank, N.A. to act as master servicer and securities administrator under the Pooling Agreement and hereby agrees to treat all inquiries, demands, instructions, authorizations and other communications from the Master Servicer as if the same had been received from the Assignee.  The Master Servicer, acting on behalf of the Assignee, shall have the rights of the Assignee as the Purchaser under this Agreement, including, without limitation, the right to enforce the obligations of SunTrust and the Servicer hereunder and under the Sale and Servicing Agreement and the right to exercise the remedies of the Purchaser hereunder and under the Sale and Servicing Agreement, other than the rights assumed by the Controlling Holder assumed under Section 13(a) above which are held exclusively by the Controlling Holder.

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

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #83707500, Sequoia Mortgage Trust 2011-2 Certificate Distribution Account

 

  

17

  

24.           SunTrust acknowledges that the custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement.  Requests for Mortgage Loan Documents required by SunTrust to perform its duties under the Sale and Servicing Agreement shall be directed to Wells Fargo Bank, N.A., as custodian, using the form of Request for Release in the form of Exhibit F hereto.  SunTrust shall provide the Custodian with the specimen signatures of SunTrust's authorized servicing representatives using the form in Exhibit D-3 hereto.  Notwithstanding Section 10 of the Sale and Servicing Agreement, SunTrust shall pay shipping expenses for any Mortgage Loan Documents if there has been a breach of any representation or warranty made with respect to the related Mortgage Loan in Subsection 7.01 of the Sale and Servicing Agreement.

25.           Helping Families Act Notice.  Assignor hereby requests that SunTrust furnish each Mortgagor with the notice described in Subsection 6.04 of the Sale and Servicing Agreement, in the form attached as Exhibit 8 thereto and using U.S. Bank National Association, as trustee of the Sequoia Mortgage Trust 2011-2 as the investor name, in accordance with the terms of Subsection 6.04 therein, and SunTrust hereby covenants that it shall furnish each Mortgagor with such notice as provided therein at the Assignor’s expense.

26.           Rule 17g-5 Compliance.  SunTrust hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination or servicing thereof to any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail at rmbs17g5informationprovider@wellsfargo.com, with a subject reference of “SEMT 2011-2” and an identification of the type of information being provided in the body of such electronic mail.  The Securities Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information Provider”) shall notify SunTrust in writing of any change in the identity or contact information of the Rule 17g-5 Information Provider.  SunTrust shall have no liability for (i) the Rule 17g-5 Information Provider’s failure to post information provided by it in accordance with the terms of this Agreement or (ii) any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider.  None of the foregoing restrictions in this Section 26 prohibit or restrict oral or written communications, or providing information, between SunTrust, on the one hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review of the ratings it assigns to SunTrust, (ii) such Rating Agency’s or NRSRO’s approval of SunTrust as a residential mortgage master, special or primary servicer, or (iii) such Rating Agency’s or NRSRO’s evaluation of SunTrust’s servicing operations in general.

  

18

  

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

 

	  	  	  	
REDWOOD RESIDENTIAL ACQUISITION CORPORATION

	  	  	  	
Assignor

	  	  	  	  
	  	  	  	
By:

	
/s/ John Isbrandtsen

	  
	  	  	  	
Name:

	
John Isbrandtsen

	  
	  	  	  	
Title:

	
Authorized Officer

	  
	  	  	  	  
	  	  	  	
SEQUOIA RESIDENTIAL FUNDING, INC.

	  	  	  	
Depositor

	  	  	  	  
	  	  	  	
By:

	
/s/ John Isbrandtsen

	  
	  	  	  	
Name:

	
 
John Isbrandtsen

	  
	  	  	  	
Title:

	
 
Authorized Officer

	  
	  	  	  	  
	  	  	  	
U.S. BANK NATIONAL ASSOCIATION, not in its

	 	 	 	individual capacity but solely as Trustee,
	  	  	  	
Assignee

	  	  	  	  
	  	  	  	
By:

	
/s/ Tamara Schultz-Fugh

	  
	  	  	  	
Name:

	
Tamara Schultz-Fugh

	  
	  	  	  	
Title:

	
Vice President

	  
	  	  	  	  
	  	  	  	
SUNTRUST MORTGAGE INC.

	  	  	  	  
	  	  	  	
By:

	
/s/ Tony Atkins

	  
	  	  	  	
Name:

	
Tony Atkins

	  
	  	  	  	
Title:

	
Director

	  
	  	  	  	  
	
Accepted and agreed to by:

	  	  
	  	  	  	  
	
WELLS FARGO BANK, N.A.

	  	  
	
Master Servicer

	  	  
	  	  	  	  
	
By:

	
/s/ Graham M. Oglesby

	  	  
	
Name:

	
Graham M. Oglesby

	  	  
	
Title:

	
Vice President

	  	  

 

  

19

  

ATTACHMENT 1

MORTGAGE LOAN SCHEDULE

 

  

20

  

 

	
Primary Servicer

	  	
Primary Servicer Name

	  	
Servicing Fee %

	  	
Servicing Fee—Flatdollar

	  	
Servicing Advance Methodology

	  	
Originator

	  	
Loan Group

	  	
Loan Number

	  	
sellernumber

	  	
Amortization Type

	  	
Lien Position

	  	
HELOC Indicator

	  	
Loan Purpose

	  	
Cash Out Amount

	  	
Total Origination and Discount Points

	  	
Covered/High Cost Loan Indicator

	  	
Relocation Loan Indicator

	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000006

	  	
274600345

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000009

	  	
250265931

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000010

	  	
214225005

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000011

	  	
239346034

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000020

	  	
211554977

	  	
1

	  	
1

	  	
0

	  	
7

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000025

	  	
211961891

	  	
1

	  	
1

	  	
0

	  	
7

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000028

	  	
210573101

	  	
1

	  	
1

	  	
0

	  	
3

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000030

	  	
213682339

	  	
1

	  	
1

	  	
0

	  	
7

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000031

	  	
214038127

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000038

	  	
250698768

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000039

	  	
254706245

	  	
1

	  	
1

	  	
0

	  	
7

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000043

	  	
275503258

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000047

	  	
252708656

	  	
1

	  	
1

	  	
0

	  	
7

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000048

	  	
252275805

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000050

	  	
280831918

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000052

	  	
299123802

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000053

	  	
232122036

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000054

	  	
243237781

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000055

	  	
223049222

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000057

	  	
209064666

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000059

	  	
232766105

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000062

	  	
275112381

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000063

	  	
283121598

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000064

	  	
248161077

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000065

	  	
247174105

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000066

	  	
238244818

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000067

	  	
209934793

	  	
1

	  	
1

	  	
0

	  	
7

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000068

	  	
216724666

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000069

	  	
258643543

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000070

	  	
237588728

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000071

	  	
285716031

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000072

	  	
251515490

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000073

	  	
294587613

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000074

	  	
235720174

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000075

	  	
297848228

	  	
1

	  	
1

	  	
0

	  	
9

	  	  	  	  	  	  	  	  
	
1000104

	  	
SunTrust Mortgage, Inc.

	  	
0.002500

	  	  	  	  	  	
1000104

	  	  	  	
836000076

	  	
285597993

	  	
1

	  	
1

	  	
0

	  	
10

	  	  	  	  	  	  	  	  
	
1000104

	
  

	
SunTrust Mortgage, Inc.

	
  

	
0.002500

	
  

	  	
  

	  	
  

	
1000104

	
  

	  	
  

	
836000077

	
  

	
226462398

	
  

	
1

	
  

	
1

	
  

	
0

	
  

	
9

	
  

	  	
  

	  	
  

	  	
  

	 

 

	
Primary Servicer

	  	
Broker Indicator

	  	
Channel

	  	
Escrow Indicator

	  	
Senior Loan

Amount(s)

	  	
Loan Type of Most

Senior Lien

	  	
Hybrid Period of

Most Senior Lien (in

months)

	  	
Neg Am Limit of

Most Senior Lien

	  	
Junior Mortgage

Balance

	  	
Origination Date of

Most Senior Lien

	  	
Origination Date

	  	
Original Loan

Amount

	  	
Original Interest

Rate

	  	
Original

Amortization Term

	  	
Original Term to

Maturity

	  	
First Payment Date

of Loan

	  	
Interest Type

Indicator

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
146000.00

	  	  	  	
20101020

	  	
700000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20101201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101022

	  	
537000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20101201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
79000.00

	  	  	  	
20100923

	  	
521000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20101101

	  	
1

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
170000.00

	  	  	  	
20100804

	  	
665665.00

	  	
0.053750

	  	
360

	  	
360

	  	
20100901

	  	
1

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20100903

	  	
593000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20101101

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101008

	  	
750000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20101201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101206

	  	
599000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20110201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20100825

	  	
600000.00

	  	
0.051250

	  	
360

	  	
360

	  	
20101001

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101207

	  	
667500.00

	  	
0.051250

	  	
360

	  	
360

	  	
20110201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101119

	  	
930000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101029

	  	
800000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20101201

	  	
1

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
250000.00

	  	  	  	
20101105

	  	
752000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101130

	  	
650000.00

	  	
0.046250

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101213

	  	
745000.00

	  	
0.046250

	  	
360

	  	
360

	  	
20110201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101025

	  	
615000.00

	  	
0.047500

	  	
360

	  	
360

	  	
20101201

	  	
1

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
500000.00

	  	  	  	
20101209

	  	
929000.00

	  	
0.047500

	  	
360

	  	
360

	  	
20110201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101202

	  	
633750.00

	  	
0.047500

	  	
360

	  	
360

	  	
20110201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101129

	  	
725000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101124

	  	
816000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
59000.00

	  	  	  	
20101123

	  	
540650.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101122

	  	
980000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101118

	  	
833000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
400000.00

	  	  	  	
20101117

	  	
800000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
125000.00

	  	  	  	
20101117

	  	
545000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
250000.00

	  	  	  	
20101217

	  	
929500.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110201

	  	
1

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20100909

	  	
905000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20101101

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101203

	  	
700000.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101027

	  	
641500.00

	  	
0.048750

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101229

	  	
849000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20110201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101123

	  	
620000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20110101

	  	
1

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
70000.00

	  	  	  	
20101025

	  	
849950.00

	  	
0.049900

	  	
360

	  	
360

	  	
20101201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101025

	  	
650000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20101201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101020

	  	
585500.00

	  	
0.049900

	  	
360

	  	
360

	  	
20101201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20101019

	  	
975000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20101201

	  	
1

	
1000104

	  	  	  	
1

	  	
4

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20110107

	  	
1000000.00

	  	
0.049900

	  	
360

	  	
360

	  	
20110301

	  	
1

	
1000104

	  	  	  	
1

	  	
0

	  	
0

	  	  	  	  	  	  	  	
0.00

	  	  	  	
20100119

	  	
910000.00

	  	
0.051250

	  	
349

	  	
349

	  	
20110201

	  	
1

	
1000104

	
  

	  	
  

	
1

	
  

	
4

	
  

	
0

	
  

	  	
  

	  	
  

	  	
  

	
0.00

	
  

	  	
  

	
20101008

	
  

	
954700.00

	
  

	
0.051250

	
  

	
360

	
  

	
360

	
  

	
20101201

	
  

	
1

 

	
Primary Servicer

	  	
Original Interest

Only Term

	  	
Buy Down Period

	  	
HELOC Draw Period

	  	
Current Loan

Amount

	  	
Current Interest

Rate

	  	
Current Payment

Amount Due

	  	
Interest Paid

Through Date

	  	
Current Payment

Status

	  	
Index Type

	  	
ARM Look-back

Days

	  	
Gross Margin

	  	
ARM Round Flag

	  	
ARM Round Factor

	  	
Initial Fixed Rate

Period

	  	
Initial Interest Rate

Cap (Change Up)

	  	
Initial Interest Rate

Cap (Change Down)

	
1000104

	  	
0

	  	
0

	  	  	  	
691414.10

	  	
0.049900

	  	
3753.48

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
530413.34

	  	
0.049900

	  	
2879.46

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
513955.89

	  	
0.049900

	  	
2793.66

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
655703.16

	  	
0.053750

	  	
3727.54

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
584982.46

	  	
0.049900

	  	
3179.73

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
740800.87

	  	
0.049900

	  	
4021.58

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
589920.22

	  	
0.049900

	  	
3211.91

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
591345.43

	  	
0.051250

	  	
3266.93

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
661136.04

	  	
0.051250

	  	
3634.46

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
919755.18

	  	
0.049900

	  	
4986.76

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
790187.55

	  	
0.049900

	  	
4289.69

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
743715.98

	  	
0.049900

	  	
4032.31

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
642352.54

	  	
0.046250

	  	
3341.91

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
732966.79

	  	
0.046250

	  	
3830.34

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
607123.06

	  	
0.047500

	  	
3208.14

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
919518.87

	  	
0.047500

	  	
4846.11

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
627282.08

	  	
0.047500

	  	
3305.95

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
716845.35

	  	
0.048750

	  	
3836.76

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
806821.79

	  	
0.048750

	  	
4318.34

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
534568.84

	  	
0.048750

	  	
2861.17

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
968977.08

	  	
0.048750

	  	
5186.25

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
823630.55

	  	
0.048750

	  	
4408.31

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
791001.73

	  	
0.048750

	  	
4233.67

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
538869.91

	  	
0.048750

	  	
2884.19

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
884652.29

	  	
0.048750

	  	
4919.00

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
890073.92

	  	
0.048750

	  	
4789.34

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
693015.61

	  	
0.048750

	  	
3704.46

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
631064.81

	  	
0.048750

	  	
3394.88

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
840703.96

	  	
0.049900

	  	
4552.43

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
613170.09

	  	
0.049900

	  	
3324.51

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
839524.86

	  	
0.049900

	  	
4557.53

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
642027.40

	  	
0.049900

	  	
3485.37

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
578318.46

	  	
0.049900

	  	
3139.52

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
963041.06

	  	
0.049900

	  	
5228.06

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
991467.70

	  	
0.049900

	  	
5362.11

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	
0

	  	
0

	  	  	  	
900279.72

	  	
0.051250

	  	
5021.08

	  	
20110901

	  	
0

	  	
0

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	
  

	
0

	
  

	
0

	
  

	  	
  

	
943273.54

	
  

	
0.051250

	
  

	
5198.22

	
  

	
20110901

	
  

	
0

	
  

	
0

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	 

 

	
Primary Servicer

	  	
Subsequent Interest

Rate Reset Period

	  	
Subsequent Interest

Rate Cap (Change Down)

	  	
Subsequent Interest

Rate Cap (Change

Up)

	  	
Lifetime Maximum

Rate (Ceiling)

	  	
Lifetime Minimum

Rate (Floor)

	  	
Negative

Amortization Limit

	  	
Initial Negative

Amortization Recast

Period

	  	
Subsequent

Negative

Amortization Recast

Period

	  	
Initial Fixed

Payment Period

	  	
Subsequent

Payment Reset

Period

	  	
Initial Periodic

Payment Cap

	  	
Subsequent

Periodic Payment

Cap

	  	
Initial Minimum

Payment Reset

Period

	  	
Subsequent

Minimum Payment

Reset Period

	  	
Option ARM

Indicator

	  	
Options at Recast

	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0

	  	  
	
1000104

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	
0

	
  

	 

 

	
Primary Servicer

	  	
Initial Minimum

Payment

	  	
Current Minimum

Payment

	  	
Prepayment Penalty

Calculation

	  	
Prepayment Penalty

Type

	  	
Prepayment Penalty

Total Term

	  	
Prepayment Penalty

Hard Term

	  	
Primary Borrower ID

	  	
Number of

Mortgaged

Properties

	  	
Total Number of

Borrowers

	  	
Self-employment

Flag

	  	
Current ‘Other’

Monthly Payment

	  	
Length of

Employment:

Borrower

	  	
Length of

Employment: Co-

Borrower

	  	
Years in Home

	  	
FICO Model Used

	  	
Most Recent FICO

Date

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
2

	  	
1

	  	
2

	  	
0

	  	  	  	
1.90

	  	  	  	
0.90

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
102

	  	
1

	  	
2

	  	
0

	  	  	  	
3.00

	  	
4.00

	  	
8.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
436

	  	
3

	  	
1

	  	
1

	  	  	  	
11.00

	  	  	  	
4.90

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
439

	  	
1

	  	
2

	  	
0

	  	  	  	
7.00

	  	
0.60

	  	
3.60

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
55

	  	
1

	  	
2

	  	
1

	  	  	  	
29.00

	  	  	  	
0.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
147

	  	
1

	  	
2

	  	
1

	  	  	  	
14.00

	  	  	  	
0.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
458

	  	
1

	  	
2

	  	
0

	  	  	  	
32.00

	  	  	  	
12.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
448

	  	
2

	  	
1

	  	
0

	  	  	  	
11.00

	  	  	  	
0.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
410

	  	
1

	  	
2

	  	
0

	  	  	  	
6.00

	  	
2.00

	  	
3.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
381

	  	
1

	  	
2

	  	
0

	  	  	  	
14.00

	  	  	  	
5.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
234

	  	
1

	  	
1

	  	
1

	  	  	  	
4.00

	  	  	  	
0.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
466

	  	
2

	  	
2

	  	
0

	  	  	  	
27.00

	  	
18.00

	  	
10.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
198

	  	
2

	  	
2

	  	
0

	  	  	  	
0.90

	  	
9.60

	  	
0.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
399

	  	
1

	  	
1

	  	
0

	  	  	  	
13.00

	  	  	  	
6.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
217

	  	
1

	  	
2

	  	
1

	  	  	  	
9.00

	  	  	  	
3.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
91

	  	
1

	  	
2

	  	
0

	  	  	  	
0.20

	  	  	  	
18.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
105

	  	
1

	  	
2

	  	
0

	  	  	  	
3.00

	  	
10.00

	  	
1.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
303

	  	
1

	  	
2

	  	
0

	  	  	  	
12.00

	  	  	  	
0.60

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
354

	  	
2

	  	
2

	  	
0

	  	  	  	
2.00

	  	  	  	
1.90

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
283

	  	
1

	  	
2

	  	
0

	  	  	  	
0.00

	  	
3.00

	  	
7.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
251

	  	
1

	  	
2

	  	
0

	  	  	  	
3.00

	  	
8.00

	  	
3.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
341

	  	
1

	  	
2

	  	
1

	  	  	  	
15.00

	  	
14.00

	  	
1.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
336

	  	
2

	  	
2

	  	
0

	  	  	  	
12.00

	  	  	  	
3.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
148

	  	
1

	  	
2

	  	
0

	  	  	  	
4.00

	  	  	  	
5.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
424

	  	
2

	  	
2

	  	
1

	  	  	  	
5.00

	  	
5.00

	  	
12.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
329

	  	
1

	  	
2

	  	
0

	  	  	  	
25.00

	  	
14.00

	  	
11.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
245

	  	
1

	  	
2

	  	
0

	  	  	  	
0.50

	  	  	  	
0.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
319

	  	
1

	  	
2

	  	
0

	  	  	  	
3.00

	  	  	  	
2.60

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
384

	  	
1

	  	
2

	  	
0

	  	  	  	
0.00

	  	
22.00

	  	
6.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
137

	  	
2

	  	
2

	  	
0

	  	  	  	
9.00

	  	
1.00

	  	
6.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
233

	  	
1

	  	
1

	  	
0

	  	  	  	
4.00

	  	  	  	
4.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
187

	  	
1

	  	
2

	  	
0

	  	  	  	
1.30

	  	
2.00

	  	
1.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
376

	  	
1

	  	
2

	  	
1

	  	  	  	
14.00

	  	  	  	
7.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
63

	  	
1

	  	
2

	  	
0

	  	  	  	
7.00

	  	
2.00

	  	
2.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
59

	  	
1

	  	
2

	  	
1

	  	  	  	
4.00

	  	  	  	
5.00

	  	
1

	  	
20110825

	
1000104

	  	  	  	  	  	  	  	  	  	
0

	  	  	  	
44

	  	
2

	  	
2

	  	
1

	  	  	  	
3.90

	  	  	  	
0.00

	  	
1

	  	
20110825

	
1000104

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	
0

	
  

	  	
  

	
277

	
  

	
2

	
  

	
2

	
  

	
0

	
  

	  	
  

	
1.50

	
  

	  	
  

	
1.00

	
  

	
1

	
  

	
20110825

 

	
Primary Servicer

	  	
Primary Wage

Earner Original

FICO: Equifax

	  	
Primary Wage

Earner Original

FICO: Experian

	  	
Primary Wage

Earner Original

FICO: TransUnion

	  	
Secondary Wage

Earner Original

FICO: Equifax

	  	
Secondary Wage

Earner Original

FICO: Experian

	  	
Secondary Wage

Earner Original

FICO: TransUnion

	  	
Original

Primary Borrower

FICO

	  	
Most Recent

Primary Borrower

FICO

	  	
Most Recent Co-

Borrower FICO

	  	
Most Recent FICO

Method

	  	
VantageScore:

Primary Borrower

	  	
VantageScore: Co-

Borrower

	  	
Most Recent

VantageScore

Method

	  	
VantageScore Date

	  	
Credit Report:

Longest Trade Line

	  	
Credit Report:

Maximum Trade

Line

	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
785

	  	
777

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
778

	  	
799

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
799

	  	
789

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
799

	  	
778

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
795

	  	
803

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
809

	  	
813

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
812

	  	
797

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
784

	  	
810

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
793

	  	
781

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
787

	  	
769

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
782

	  	
773

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
767

	  	
760

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
802

	  	
796

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
808

	  	
795

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
796

	  	
791

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
773

	  	
786

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
792

	  	
790

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
770

	  	
769

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
762

	  	
779

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
710

	  	
746

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
791

	  	
796

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
786

	  	
779

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
804

	  	
799

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
800

	  	
814

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
728

	  	
797

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
772

	  	
826

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
793

	  	
788

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
790

	  	
774

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
784

	  	
804

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
745

	  	
770

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
790

	  	
812

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
786

	  	
785

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
801

	  	
782

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
751

	  	
781

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
793

	  	
787

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	
759

	  	
770

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	
779

	
  

	
789

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	 

 

	
Primary Servicer

	  	
Credit Report:

Number of Trade

Lines

	  	
Credit Line Usage

Ratio

	  	
Most Recent 12-

month Pay History

	  	
Months Bankruptcy

	  	
Months Foreclosure

	  	
Primary Borrower

Wage Income

	  	
Co-Borrower Wage

Income

	  	
Primary Borrower

Other Income

	  	
Co-Borrower Other

Income

	  	
All Borrower Wage

Income

	  	
All Borrower Total

Income

	  	
4506-T Indicator

	  	
Borrower Income

Verification Level

	  	
Co-Borrower

Income Verification

	  	
Borrower

Employment

Verification

	  	
Co-Borrower

Employment

Verification

	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
18750.00

	  	  	  	
0.00

	  	  	  	
18750.00

	  	
18750.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
9583.34

	  	
8984.50

	  	
0.00

	  	
0.00

	  	
18567.84

	  	
18567.84

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
0.00

	  	  	  	
31012.58

	  	  	  	
0.00

	  	
31012.58

	  	
Y

	  	
4

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
18333.34

	  	
10833.33

	  	
0.00

	  	
0.00

	  	
29166.67

	  	
29166.67

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
11437.00

	  	  	  	
2097.46

	  	  	  	
11437.00

	  	
13534.46

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
0.00

	  	  	  	
17529.00

	  	  	  	
0.00

	  	
17529.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
13347.00

	  	
0.00

	  	
0.00

	  	
2290.91

	  	
13347.00

	  	
15637.91

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
0.00

	  	  	  	
55086.43

	  	  	  	
0.00

	  	
55086.43

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
9800.00

	  	
4661.67

	  	
-48.00

	  	
0.00

	  	
14461.67

	  	
14413.67

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
19698.00

	  	  	  	
0.00

	  	  	  	
19698.00

	  	
19698.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
22059.00

	  	  	  	
14631.00

	  	  	  	
22059.00

	  	
36690.00

	  	
Y

	  	
4

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
30822.00

	  	
11207.00

	  	
0.00

	  	
0.00

	  	
42029.00

	  	
42029.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
12211.00

	  	
13597.00

	  	
0.00

	  	
0.00

	  	
25808.00

	  	
25808.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
13909.00

	  	  	  	
0.00

	  	  	  	
13909.00

	  	
13909.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
794.00

	  	  	  	
12798.00

	  	  	  	
794.00

	  	
13592.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
48130.00

	  	  	  	
0.00

	  	  	  	
48130.00

	  	
48130.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
4274.33

	  	
26350.42

	  	
0.00

	  	
0.00

	  	
30624.75

	  	
30624.75

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
39805.88

	  	  	  	
0.00

	  	  	  	
39805.88

	  	
39805.88

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
37817.32

	  	  	  	
0.00

	  	  	  	
37817.32

	  	
37817.32

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	  	  	
23164.17

	  	  	  	
0.00

	  	
23164.17

	  	
23164.17

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
17128.74

	  	
19650.00

	  	
0.00

	  	
0.00

	  	
36778.74

	  	
36778.74

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
18712.67

	  	
1505.47

	  	
0.00

	  	
0.00

	  	
20218.14

	  	
20218.14

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
0.00

	  	  	  	
40055.00

	  	  	  	
0.00

	  	
40055.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
10417.66

	  	
0.00

	  	
6054.00

	  	
4609.00

	  	
10417.66

	  	
21080.66

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
37937.00

	  	
31680.00

	  	
0.00

	  	
0.00

	  	
69617.00

	  	
69617.00

	  	
Y

	  	
4

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
20833.34

	  	
10666.67

	  	
0.00

	  	
0.00

	  	
31500.01

	  	
31500.01

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
21666.66

	  	  	  	
0.00

	  	  	  	
21666.66

	  	
21666.66

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
16666.67

	  	  	  	
0.00

	  	  	  	
16666.67

	  	
16666.67

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	  	  	
30832.00

	  	  	  	
0.00

	  	
30832.00

	  	
30832.00

	  	
N

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
11000.00

	  	
21666.67

	  	
0.00

	  	
0.00

	  	
32666.67

	  	
32666.67

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
24583.33

	  	  	  	
0.00

	  	  	  	
24583.33

	  	
24583.33

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
21787.52

	  	
9166.69

	  	
-221.00

	  	
-398.00

	  	
30954.21

	  	
30335.21

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
8000.00

	  	  	  	
5511.00

	  	  	  	
8000.00

	  	
13511.00

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
17916.66

	  	
0.00

	  	
0.00

	  	
0.00

	  	
17916.66

	  	
17916.66

	  	
Y

	  	
5

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
21584.00

	  	  	  	
9692.00

	  	  	  	
21584.00

	  	
31276.00

	  	
Y

	  	
4

	  	  	  	
3

	  	  
	
1000104

	  	  	  	  	  	
000000000000

	  	  	  	  	  	
23819.00

	  	  	  	
0.00

	  	  	  	
23819.00

	  	
23819.00

	  	
Y

	  	
4

	  	  	  	
3

	  	  
	
1000104

	
  

	  	
  

	  	
  

	
000000000000

	
  

	  	
  

	  	
  

	
20833.33

	
  

	  	
  

	
-227.25

	
  

	  	
  

	
20833.33

	
  

	
20606.08

	
  

	
Y

	
  

	
5

	
  

	  	
  

	
3

	
  

	 

 

	
Primary Servicer

	  	
Borrower Asset

Verification

	  	
Co-Borrower Asset

Verification

	  	
Liquid / Cash

Reserves

	  	
Monthly Debt All

Borrowers

	  	
Originator DTI

	  	
Fully Indexed Rate

	  	
Qualification

Method

	  	
Percentage of Down

Payment from

Borrower Own

Funds

	  	
City

	  	
State

	  	
Postal Code

	  	
Property Type

	  	
Occupancy

	  	
Sales Price

	  	
Original Appraised

Property Value

	  	
Original Property

Valuation Type

	
1000104

	  	
4

	  	  	  	
231339.98

	  	
6025.81

	  	
0.321377

	  	  	  	
1

	  	
0.000000

	  	
PALM BEACH GARDENS

	  	
FL

	  	
33418

	  	
7

	  	
1

	  	  	  	
1125000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
56307.32

	  	
4554.91

	  	
0.245312

	  	  	  	
1

	  	
0.000000

	  	
ATLANTA

	  	
GA

	  	
30319

	  	
1

	  	
1

	  	  	  	
802000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
397184.07

	  	
10918.30

	  	
0.352060

	  	  	  	
1

	  	
0.000000

	  	
ALPHARETTA

	  	
GA

	  	
30005

	  	
7

	  	
1

	  	  	  	
750000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
137243.68

	  	
5640.83

	  	
0.193400

	  	  	  	
1

	  	
0.000000

	  	
ATLANTA

	  	
GA

	  	
30319

	  	
1

	  	
1

	  	  	  	
1100000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
798294.64

	  	
5438.73

	  	
0.401843

	  	  	  	
1

	  	
100.000000

	  	
DULUTH

	  	
GA

	  	
30097

	  	
1

	  	
1

	  	
930000.00

	  	
953000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
671770.71

	  	
6575.85

	  	
0.375141

	  	  	  	
1

	  	
6.830000

	  	
MAITLAND

	  	
FL

	  	
32751

	  	
1

	  	
1

	  	
1250000.00

	  	
1500000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
150177.84

	  	
4690.00

	  	
0.299912

	  	  	  	
1

	  	
0.000000

	  	
HAYES

	  	
VA

	  	
23072

	  	
1

	  	
1

	  	  	  	
925000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
334160.42

	  	
11817.81

	  	
0.214532

	  	  	  	
1

	  	
100.000000

	  	
MILTON

	  	
GA

	  	
30004

	  	
7

	  	
1

	  	
945000.00

	  	
950000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
98639.87

	  	
4886.27

	  	
0.339002

	  	  	  	
1

	  	
0.000000

	  	
CHARLOTTESVILLE

	  	
VA

	  	
22901

	  	
1

	  	
1

	  	  	  	
1140000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
567443.70

	  	
6688.86

	  	
0.339571

	  	  	  	
1

	  	
0.000000

	  	
WASHINGTON

	  	
DC

	  	
20007

	  	
12

	  	
1

	  	  	  	
1650000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
290851.15

	  	
8254.92

	  	
0.224991

	  	  	  	
1

	  	
100.000000

	  	
FT. LAUDERDALE

	  	
FL

	  	
33308

	  	
7

	  	
1

	  	
1250000.00

	  	
1250000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
823526.85

	  	
13006.68

	  	
0.309469

	  	  	  	
1

	  	
0.000000

	  	
ATLANTA

	  	
GA

	  	
30327

	  	
1

	  	
1

	  	  	  	
1400000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
306762.25

	  	
9548.91

	  	
0.369998

	  	  	  	
1

	  	
100.000000

	  	
ATLANTA

	  	
GA

	  	
30327

	  	
1

	  	
1

	  	
1250000.00

	  	
1300000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
244542.00

	  	
4837.89

	  	
0.347824

	  	  	  	
1

	  	
0.000000

	  	
DECATUR

	  	
GA

	  	
30033

	  	
1

	  	
1

	  	  	  	
1082000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
1969615.14

	  	
4079.95

	  	
0.300173

	  	  	  	
1

	  	
0.000000

	  	
CHARLOTTE

	  	
NC

	  	
28209

	  	
1

	  	
1

	  	  	  	
850000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
343317.40

	  	
9072.44

	  	
0.188499

	  	  	  	
1

	  	
0.000000

	  	
ATLANTA

	  	
GA

	  	
30327

	  	
1

	  	
1

	  	  	  	
1900000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
132429.43

	  	
4541.35

	  	
0.148290

	  	  	  	
1

	  	
0.000000

	  	
ATLANTA

	  	
GA

	  	
30305

	  	
1

	  	
1

	  	  	  	
975000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
347893.50

	  	
5540.67

	  	
0.139192

	  	  	  	
1

	  	
0.000000

	  	
BRENTWOOD

	  	
TN

	  	
37027

	  	
1

	  	
1

	  	  	  	
1550000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
108545.30

	  	
10072.97

	  	
0.266359

	  	  	  	
1

	  	
0.000000

	  	
JOHNS ISLAND

	  	
SC

	  	
29455

	  	
1

	  	
1

	  	  	  	
2200000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
405400.00

	  	
5359.34

	  	
0.231363

	  	  	  	
1

	  	
0.000000

	  	
CUMMING

	  	
GA

	  	
30041

	  	
7

	  	
1

	  	  	  	
800000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
199976.00

	  	
7299.78

	  	
0.198478

	  	  	  	
1

	  	
0.000000

	  	
ATLANTA

	  	
GA

	  	
30306

	  	
1

	  	
1

	  	  	  	
1500000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
241814.31

	  	
5431.07

	  	
0.268624

	  	  	  	
1

	  	
0.000000

	  	
MT PLEASANT

	  	
SC

	  	
29464

	  	
7

	  	
1

	  	  	  	
1200000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
92661.54

	  	
8077.94

	  	
0.201671

	  	  	  	
1

	  	
0.000000

	  	
WRIGHTSVILLE BEACH

	  	
NC

	  	
28480

	  	
1

	  	
1

	  	  	  	
1850000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
434734.76

	  	
4312.73

	  	
0.204582

	  	  	  	
1

	  	
0.000000

	  	
HILTON HEAD ISLAND

	  	
SC

	  	
29928

	  	
7

	  	
1

	  	  	  	
1400000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
1482043.67

	  	
14177.43

	  	
0.203649

	  	  	  	
1

	  	
0.000000

	  	
CHARLESTON

	  	
SC

	  	
29401

	  	
1

	  	
1

	  	  	  	
2500000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
96013.14

	  	
8634.87

	  	
0.274123

	  	  	  	
1

	  	
0.000000

	  	
MIAMI SHORES

	  	
FL

	  	
33138

	  	
1

	  	
1

	  	  	  	
1570000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
268057.89

	  	
5846.44

	  	
0.269836

	  	  	  	
1

	  	
100.000000

	  	
ELLICOTT CITY

	  	
MD

	  	
21042

	  	
1

	  	
1

	  	
950000.00

	  	
950000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
68245.93

	  	
4191.83

	  	
0.251510

	  	  	  	
1

	  	
0.000000

	  	
YORKTOWN

	  	
VA

	  	
23693

	  	
7

	  	
1

	  	  	  	
885000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
239891.60

	  	
6922.08

	  	
0.224510

	  	  	  	
1

	  	
0.000000

	  	
AMBLER

	  	
PA

	  	
19002

	  	
1

	  	
1

	  	  	  	
1600000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
124965.00

	  	
8377.71

	  	
0.256460

	  	  	  	
1

	  	
0.000000

	  	
MONTVERDE

	  	
FL

	  	
34756

	  	
1

	  	
1

	  	  	  	
950000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
248041.47

	  	
7750.28

	  	
0.315266

	  	  	  	
1

	  	
0.000000

	  	
ATLANTA

	  	
GA

	  	
30309

	  	
7

	  	
1

	  	  	  	
1150000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
122227.93

	  	
5991.68

	  	
0.197516

	  	  	  	
1

	  	
0.000000

	  	
WINTER PARK

	  	
FL

	  	
32789

	  	
1

	  	
1

	  	  	  	
911000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
411710.46

	  	
4424.54

	  	
0.327477

	  	  	  	
1

	  	
0.000000

	  	
HILTON HEAD ISLAND

	  	
SC

	  	
29926

	  	
7

	  	
1

	  	  	  	
800000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
167262.06

	  	
6643.17

	  	
0.370782

	  	  	  	
1

	  	
0.000000

	  	
WASHINGTON

	  	
DC

	  	
20036

	  	
1

	  	
1

	  	  	  	
1400000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
1483625.70

	  	
9461.12

	  	
0.302504

	  	  	  	
1

	  	
0.000000

	  	
CORNELIUS

	  	
NC

	  	
28031

	  	
7

	  	
1

	  	  	  	
2645000.00

	  	
3

	
1000104

	  	
4

	  	  	  	
227219.93

	  	
6918.86

	  	
0.290477

	  	  	  	
1

	  	
100.000000

	  	
ATLANTA

	  	
GA

	  	
30342

	  	
1

	  	
1

	  	
1418993.00

	  	
1500000.00

	  	
3

	
1000104

	
  

	
4

	
  

	  	
  

	
100039.76

	
  

	
8033.90

	
  

	
0.389880

	
  

	  	
  

	
1

	
  

	
0.000000

	
  

	
ATHENS

	
  

	
GA

	
  

	
30606

	
  

	
1

	
  

	
1

	
  

	  	
  

	
1300000.00

	
  

	
3

 

	
Primary Servicer

	  	
Original Property

Valuation Date

	  	
Original Automated

Valuation Model

(AVM) Model Name

	  	
Original AVM

Confidence Score

	  	
Most Recent

Property Value2

	  	
Most Recent

Property Valuation

Type

	  	
Most Recent

Property Valuation

Date

	  	
Most Recent AVM

Model Name

	  	
Most Recent AVM

Confidence Score

	  	
Original CLTV

	  	
Original LTV

	  	
Original Pledged

Assets

	  	
Mortgage Insurance

Company Name

	  	
Mortgage Insurance

Percent

	  	
MI: Lender or

Borrower Paid?

	  	
Pool Insurance Co.

Name

	  	
Pool Insurance Stop

Loss %

	
1000104

	  	
20100901

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.752000

	  	
0.622222

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100916

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.669576

	  	
0.669576

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100828

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.800000

	  	
0.694667

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100714

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.759695

	  	
0.605150

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100821

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.637634

	  	
0.637634

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100910

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.600000

	  	
0.600000

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101008

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.647568

	  	
0.647568

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100804

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.634921

	  	
0.634921

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101022

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.585526

	  	
0.585526

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100920

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.563636

	  	
0.563636

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100929

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.640000

	  	
0.640000

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101012

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.715714

	  	
0.537143

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.520000

	  	
0.520000

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101114

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.688540

	  	
0.688540

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100910

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.723529

	  	
0.723529

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101105

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.752105

	  	
0.488947

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101108

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.650000

	  	
0.650000

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101026

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.467742

	  	
0.467742

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100614

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.370909

	  	
0.370909

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.749563

	  	
0.675813

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101027

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.653333

	  	
0.653333

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101018

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.694167

	  	
0.694167

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101006

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.648649

	  	
0.432432

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101014

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.478571

	  	
0.389286

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101110

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.471800

	  	
0.371800

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100902

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.576433

	  	
0.576433

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101118

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.736842

	  	
0.736842

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100902

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.724859

	  	
0.724859

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101015

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.530625

	  	
0.530625

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101005

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.652632

	  	
0.652632

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100924

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.799957

	  	
0.739087

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100914

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.713502

	  	
0.713502

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100910

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.731875

	  	
0.731875

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20100908

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.696429

	  	
0.696429

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20101112

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.378072

	  	
0.378072

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	  	
20091215

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	
0.641300

	  	
0.641300

	  	
0

	  	  	  	
0

	  	  	  	  	  	  
	
1000104

	
  

	
20100831

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	
0.734385

	
  

	
0.734385

	
  

	
0

	
  

	  	
  

	
0

	
  

	  	
  

	  	
  

	 

 

	
Primary Servicer

	  	
MI Certificate

Number

	  	
Updated DTI

(Front-end)

	  	
Updated DTI

(Back-end)

	  	
Modification

Effective Payment

Date

	  	
Total Capitalized

Amount

	  	
Total Deferred

Amount

	  	
Pre-Modification

Interest (Note) Rate

	  	
Pre-Modification P&I

Payment

	  	
Pre-Modification

Initial Interest Rate

Change Downward

Cap

	  	
Pre-Modification

Subsequent Interest

Rate Cap

	  	
Pre-Modification

Next Interest Rate

Change Date

	  	
Pre-Modification I/O

Term

	  	
Forgiven Principal

Amount

	  	
Forgiven Interest

Amount

	  	
Number of

Modifications

	  	
Cash To/From Brrw at Closing

	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
1000104

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	 

 

	
Primary Servicer

	  	
Brrw - Yrs at in Industry

	  	
CoBrrw - Yrs at in Industry

	  	
Junior Mortgage Drawn Amount

	  	
Maturity Date

	  	
Primary Borrower Wage Income (Salary)

	  	
Primary Borrower Wage Income (Bonus)

	  	
Primary Borrower Wage Income (Commission)

	  	
Co-Borrower Wage Income (Salary)

	  	
Co-Borrower Wage Income (Bonus)

	  	
Co-Borrower Wage Income (Commission)

	  	
Originator Doc Code

	  	
RWT Income Verification

	  	
RWT Asset Verification

	
1000104

	  	
20

	  	  	  	
146000.00

	  	
11/1/2040

	  	
18750.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
10

	  	
10

	  	
0.00

	  	
11/1/2040

	  	
9583.34

	  	  	  	  	  	
8984.50

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
12

	  	  	  	
79000.00

	  	
10/1/2040

	  	  	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
24

	  	
28

	  	
170000.00

	  	
8/1/2040

	  	
18333.34

	  	  	  	  	  	
10833.33

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
29

	  	  	  	
0.00

	  	
10/1/2040

	  	
11437.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
14

	  	  	  	
0.00

	  	
11/1/2040

	  	  	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
32

	  	  	  	
0.00

	  	
1/1/2041

	  	
13347.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
11

	  	  	  	
0.00

	  	
9/1/2040

	  	  	  	  	  	
55773.35

	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
10

	  	
3

	  	
0.00

	  	
1/1/2041

	  	
9800.00

	  	  	  	  	  	
4661.67

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
14

	  	  	  	
0.00

	  	
12/1/2040

	  	
19698.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
27

	  	  	  	
0.00

	  	
11/1/2040

	  	
22059.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
27

	  	
22

	  	
260000.00

	  	
12/1/2040

	  	
30822.00

	  	  	  	  	  	
11207.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
14

	  	
10

	  	
0.00

	  	
12/1/2040

	  	
12211.00

	  	  	  	  	  	
13597.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
13

	  	  	  	
0.00

	  	
1/1/2041

	  	
13909.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
16

	  	  	  	
0.00

	  	
11/1/2040

	  	
794.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
25

	  	  	  	
500000.00

	  	
1/1/2041

	  	
48130.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
7

	  	
17

	  	
0.00

	  	
1/1/2041

	  	
4274.33

	  	  	  	  	  	
26350.42

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
20

	  	  	  	
0.00

	  	
12/1/2040

	  	
39805.88

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
9

	  	  	  	
0.00

	  	
12/1/2040

	  	
37817.32

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
0

	  	
31

	  	
59000.00

	  	
12/1/2040

	  	  	  	  	  	  	  	
23164.17

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
3

	  	
9

	  	
0.00

	  	
12/1/2040

	  	
17128.74

	  	  	  	  	  	
19650.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
15

	  	
14

	  	
0.00

	  	
12/1/2040

	  	
18712.67

	  	  	  	  	  	
1505.47

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
12

	  	  	  	
400000.00

	  	
12/1/2040

	  	
0.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
38

	  	  	  	
125000.00

	  	
12/1/2040

	  	
10417.66

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
30

	  	
37

	  	
250000.00

	  	
1/1/2041

	  	
37937.00

	  	  	  	  	  	
31680.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
30

	  	
30

	  	
0.00

	  	
10/1/2040

	  	
20833.34

	  	  	  	  	  	
10666.67

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
25

	  	  	  	
0.00

	  	
1/1/2041

	  	
21666.66

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
9

	  	  	  	
0.00

	  	
12/1/2040

	  	
16666.67

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
0

	  	
22

	  	
0.00

	  	
1/1/2041

	  	  	  	  	  	  	  	
30832.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
9

	  	
11

	  	
0.00

	  	
12/1/2040

	  	
11000.00

	  	  	  	  	  	
21666.67

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
4

	  	  	  	
70000.00

	  	
11/1/2040

	  	
24583.33

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
7

	  	
5

	  	
0.00

	  	
11/1/2040

	  	
21787.52

	  	  	  	  	  	
9166.69

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
26

	  	  	  	
0.00

	  	
11/1/2040

	  	
8000.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
7

	  	
6

	  	
0.00

	  	
11/1/2040

	  	
17916.66

	  	  	  	  	  	
0.00

	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
38

	  	  	  	
0.00

	  	
2/1/2041

	  	
21584.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	  	
13

	  	  	  	
0.00

	  	
1/1/2040

	  	
23819.00

	  	  	  	  	  	  	  	  	  	  	  	
Full

	  	
2 years

	  	
2 Months

	
1000104

	
  

	
21

	
  

	  	
  

	
0.00

	
  

	
11/1/2040

	
  

	
20833.33

	
  

	  	
  

	  	
  

	  	
  

	  	
  

	  	
  

	
Full

	
  

	
2 years

	
  

	
2 Months

 

  

21

  

 

ASF RMBS DISCLOSURE PACKAGE

The American Securitization Forum is a broad-based professional forum through which participants in the U.S. securitization market advocate their common interests on important legal, regulatory and market practice issues. ASF members include over 380 firms, including issuers, investors, servicers, financial intermediaries, rating agencies, financial guarantors, legal and accounting firms, and other professional organizations involved in securitization transactions. The ASF also provides information, education and training on a range of securitization market issues and topics through industry conferences, seminars and similar initiatives. For more information about ASF, its members and activities, please go to www.americansecuritization.com.

 

	
Field Number

	
Field Name

	
Field Description

	
Type of 

Field

	
Data 

Type

	
Sample 

Data

	
Format

	
When 

Applicable?

	
Valid 

Values

	
Proposed 

Unique Coding

	
Notes

	
1

	
Primary Servicer

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

	
General Information

	
Numeric – Integer

	
2351805

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
2

	
Servicing Fee—Percentage

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

	
General Information

	
Numeric - Decimal

	
0.0025

	
9.999999

	
Loans without flat-dollar servicing fees

	
>= 0 and < 1

	  	
Must be populated if Field 3 is Null

	
3

	
Servicing Fee—Flat-dollar

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

	
General Information

	
Numeric – Decimal

	
7.5

	
9(3).99

	
Loans with flat-dollar servicing fees

	
>= 0 and

<= 999

	  	
Must be populated if 2 is Null

	
4

	
Servicing Advance Methodology

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

	
General Information

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Scheduled Interest, Scheduled Principal

2 = Actual Interest, Actual Principal

3 = Scheduled Interest, Actual Principal

99 = Unknown

	  
	
5

	
Originator

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

	
General Information

	
Numeric – Integer

	
5938671

	
9(7)

	
Always

	
”9999999” if Unknown

	  	  
	
6

	
Loan Group

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

	
General Information

	
Text

	
1A

	
XXXX

	
Always

	
“UNK” if Unknown

	  	  
	
7

	
Loan Number

	
Unique National Mortgage Loan ID Number (Vendor TBD).

	
General Information

	
Numeric – Integer

	
TBD

	
TBD

	
Always

	
TBD

	  	
Details to be provided by Vendor

	
8

	
Amortization Type

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

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Fixed

2 = Adjustable

99 = Unknown

	  
	
9

	
Lien Position

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

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
>0

	
99 = Unknown

	  
	
10

	
HELOC Indicator

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

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
11

	
Loan Purpose

	
Indicates the purpose of the loan.

	
Loan Type

	
Numeric – Integer

	
9

	
99

	
Always

	
See Coding

	
See Appendix A

	  
	
12

	
Cash Out Amount

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

 

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

	
Loan Type

	
Numeric – Decimal

	
72476.5

	
9(10).99

	
Always

	
>= 0

	  	  
	
13

	
Total Origination and Discount Points (in dollars)

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

	
Loan Type

	
Numeric – Decimal

	
5250

	
9(10).99

	
Always

	
>= 0

	  	
Typically Lines 801 and 802 of HUD Settlement Statement

	
14

	
Covered/High Cost Loan Indicator

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

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
15

	
Relocation Loan Indicator

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

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
16

	
Broker Indicator

	
Indicates whether a broker took the application.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
17

	
Channel

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

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Retail

2 = Broker

3 = Correspondent Bulk

4 = Correspondent Flow with delegated underwriting

5 = Correspondent Flow without delegated underwriting

99 = Unknown

	  
	
18

	
Escrow Indicator

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

	
Loan Type

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
0 = No Escrows

1 = Taxes

2 = Insurance

3 = HOA dues

4 = Taxes and Insurance

5 = All

99 =Unknown

	  
	
19

	
Senior Loan Amount(s)

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

	
Mortgage Lien Info

	
Numeric – Decimal

	
611004.25

	
9(10).99

	
If Lien Position > 1

	
>= 0

	  	  
	
20

	
Loan Type of Most Senior Lien

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

	
Mortgage Lien Info

	
Numeric – Integer

	
2

	
99

	
If Lien Position > 1

	
See Coding

	
1 = Fixed Rate

2 = ARM

3 = Hybrid

4 = Neg Am

99 = Unknown

	  
	
21

	
Hybrid Period of Most Senior Lien (in months)

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

	
Mortgage Lien Info

	
Numeric – Integer

	
23

	
999

	
If Lien Position > 1

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

	
>= 0

	  	  
	
22

	
Neg Am Limit of Most Senior Lien

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

	
Mortgage Lien Info

	
Numeric – Decimal

	
1.25

	
9.999999

	
If Lien Position > 1

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

	
>= 1 and <= 2

	  	  
	
23

	
Junior Mortgage Balance

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

	
Mortgage Lien Info

	
Numeric – Decimal

	
51775.12

	
9(10).99

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

	
>= 0

	  	
Subject to Regulatory Confirmation

	
24

	
Origination Date of Most Senior Lien

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

	
Mortgage Lien Info

	
Date

	
20090914

	
YYYYMMDD

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

	
“19010101” if unknown

	  	  
	
25

	
Origination Date

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

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
26

	
Original Loan Amount

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

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
150000

	
9(10).99

	
Always

	
>0

	  	  
	
27

	
Original Interest Rate

	
The original note rate as indicated on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.0475

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
28

	
Original Amortization Term

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
360

	
999

	
Always

	
>= 60

	  	  
	
29

	
Original Term to Maturity

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>0

	
N/A

	  
	
30

	
First Payment Date of Loan

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

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	
N/A

	  
	
31

	
Interest Type Indicator

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1= Simple

2 = Actuarial

99 = Unknown

	  
	
32

	
Original Interest Only Term

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>= 0 and <= 240

Unknown = Blank;

No Interest Only Term = 0

	  	  
	
33

	
Buy Down Period

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
65

	
999

	
Always

	
>= 0 and <= 100

Unknown = Blank;

No Buy Down = 0

	  	  
	
34

	
HELOC Draw Period

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
24

	
999

	
HELOCs Only

	
>= 12 and <= 120

	  	  
	
35

	
Scheduled Loan Amount

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

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
248951.19

	
9(10).99

	
Always

	
>= 0

	  	  
	
36

	
Current Interest Rate

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

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.05875

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
37

	
Current Payment Amount Due

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

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1250.15

	
9(10).99

	
Always

	
> 0

	  	  
	
38

	
Scheduled Interest Paid

Through Date

	  	
Loan Term and Amortization Type

	
Date

	
20090429

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
39

	
Current Payment Status

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

	
Loan Term and Amortization Type

	
Numeric – Integer

	
3

	
99

	
Always

	
>= 0

	  	  
	
40

	
Index Type

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
18

	
99

	
ARMs Only

	
See Coding

	
See Appendix B

	  
	
41

	
ARM Look-back Days

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
45

	
99

	
ARMs Only

	
>= 0 to <=99

	  	  
	
42

	
Gross Margin

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.03

	
9.999999

	
ARMs Only

	
>0 and <= 1

	  	  
	
43

	
ARM Round Flag

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
3

	
9

	
ARMs Only

	
See Coding

	
0 = No Rounding

1 = Up

2 = Down

3 = Nearest

99=Unknown

	  
	
44

	
ARM Round Factor

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.0025 or 0.00125

	
9.999999

	
ARMs Only

Where ARM Round Flag = 1, 2, or 3

	
>= 0 and < 1

	  	  
	
45

	
Initial Fixed Rate Period

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
Hybrid ARMs Only

	
>= 1 to <=240

	  	  
	
46

	
Initial Interest Rate Cap (Change Up)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
47

	
Initial Interest Rate  Cap (Change Down)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
48

	
Subsequent Interest Rate Reset Period

	
The number of months between subsequent rate adjustments.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
ARMs Only

	
>=0 and <= 120

	  	
0 = Loan does not adjust after initial reset

	
49

	
Subsequent Interest Rate (Change Down)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
50

	
Subsequent Interest Rate Cap (Change Up)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
51

	
Lifetime Maximum Rate (Ceiling)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.125

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
=1 if no ceiling specified

	 
	 
	
52

	
Lifetime Minimum Rate (Floor)

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

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.015

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

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

	
53

	
Negative Amortization Limit

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

	
Negative Amortization

	
Numeric – Decimal

	
1.25

	
9.999999

	
Negatively Amortizing ARMs Only

	
>=0, and <2

	  	  
	
54

	
Initial Negative Amortization Recast Period

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

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
55

	
Subsequent Negative Amortization Recast Period

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

	
Negative Amortization

	
Numeric – Integer

	
48

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
56

	
Initial Fixed Payment Period

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

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing Hybrid ARMs Only

	
>= 0 to <=120

	  	  
	
57

	
Subsequent Payment Reset Period

	
Number of months between payment adjustments after first payment reset.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
58

	
Initial Periodic Payment Cap

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

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
59

	
Subsequent Periodic Payment Cap

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

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
60

	
Initial Minimum Payment Reset Period

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

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
61

	
Subsequent Minimum Payment Reset Period

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

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
62

	
Option ARM Indicator

	
An indicator of whether the loan is an Option ARM.

	
Negative Amortization

	
Numeric – Integer

	
1

	
99

	
ARMs Only

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
63

	
Options at Recast

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

	
Option ARM

	
Numeric – Integer

	
2

	
99

	
Option ARMs Only

	
N/A

	
1= Fully amortizing 30 year

2= Fully amortizing 15 year

3=Fully amortizing 40 year

4 = Interest-Only

5 = Minimum Payment

99= Unknown

	  
	
64

	
Initial Minimum Payment

	
The initial minimum payment the borrower is permitted to make.

	
Option ARM

	
Numeric – Decimal

	
879.52

	
99

	
Option ARMs Only

	
>=0

	  	  
	
65

	
Current Minimum Payment

	
Current Minimum Payment (in dollars).

	
Negative Amortization

	
Numeric – Decimal

	
250

	
9(10).99

	
Option ARMs Only

	
>= 0

	  	  
	
66

	
Prepayment Penalty Calculation

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

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
99

	
Always

	
See Coding

	
See Appendix C

	  
	
67

	
Prepayment Penalty Type

	

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

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

	
Prepayment Penalties

	
Numeric – Integer

	
1

	
99

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

	
See Coding

	
1 = Hard

2 = Soft

3 = Hybrid

99 = Unknown

	  
	
68

	
Prepayment Penalty Total Term

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

	
Prepayment Penalties

	
Numeric – Integer

	
60

	
999

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

	
>0 to <=120

	  	  
	
69

	
Prepayment Penalty Hard Term

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

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
999

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

	
>= 0 to <=120

	  	  
	
70

	
Primary Borrower ID

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

	
Borrower

	
Numeric—Integer

	
123456789

	
999999999

	
Always

	
>0

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

	
71

	
Number of Mortgaged Properties

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

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
> 0

	  	  
	
72

	
Total Number of Borrowers

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

	
Borrower

	
Numeric – Integers

	
2

	
99

	
Always

	
> 0

	  	  
	
73

	
Self-employment Flag

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

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
74

	
Current ‘Other’ Monthly Payment

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

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1789.25

	
9(10).99

	
Always

	
> 0

	  	  
	
75

	
Length of Employment: Borrower

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

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
Always

	
>=0

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

	  
	
76

	
Length of Employment: Co-Borrower

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

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
If “Total Number of Borrowers” > 1

	
>= 0

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

	  
	
77

	
Years in Home

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

	
Borrower Qualification

	
Numeric – Decimal

	
14.5

	
99.99

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

	
> 0

	  	  
	
78

	
FICO Model Used

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

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
If a FICO score was obtained

	
See Coding

	
1 = Classic

2 = Classic 08

3 = Next Generation

99 = Unknown

	  
	
79

	
Most Recent FICO Date

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

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a FICO score was obtained

	
“19010101” if unknown

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

	
80

	
Primary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
81

	
Primary Wage Earner Original FICO:  Experian

	
Experian FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
82

	
Primary Wage Earner Original FICO:  TransUnion

	
TransUnion FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
83

	
Secondary Wage Earner Original FICO:  Equifax

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
84

	
Secondary Wage Earner Original FICO:  Experian

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
85

	
Secondary Wage Earner Original FICO: TransUnion

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
86

	
Most Recent Primary Borrower FICO

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
87

	
Most Recent Co-Borrower FICO

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
88

	
Most Recent FICO Method

	
Number of credit repositories used to update the FICO Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a FICO score was obtained

	
>0

	  	  
	
89

	
VantageScore: Primary Borrower

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a Vantage Credit Score was obtained

	
>= 501 and <= 990

	  	  
	
90

	
VantageScore: Co-Borrower

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

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

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

	
>= 501 and <= 990

	  	  
	
91

	
Most Recent VantageScore Method

	
Number of credit repositories used to update the Vantage Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a Vantage Credit Score was obtained

	
>0

	  	  
	
92

	
VantageScore Date

	
Date Vantage Credit Score was obtained.

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a Vantage Credit Score was obtained

	
“19010101” if unknown

	  	  
	
93

	
Credit Report: Longest Trade Line

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

	
Borrower Qualification

	
Numeric – Integer

	
999

	
999

	
Always

	
> =0

	  	
Subject to Regulatory Confirmation

	
94

	
Credit Report: Maximum Trade Line

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

	
Borrower Qualification

	
Numeric – Decimal

	
339420.19

	
9(10).99

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
95

	
Credit Report: Number of Trade Lines

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

	
Borrower Qualification

	
Numeric – Integer

	
57

	
999

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation

	
96

	
Credit Line Usage Ratio

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

	
Borrower Qualification

	
Numeric – Decimal

	
0.27

	
9.999999

	
Always

	
>= 0 and <= 1

	  	
Subject to Regulatory Confirmation

	
97

	
Most Recent 12-month Pay History

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

	
Borrower Qualification

	
Text

	
77X123200001

	
X(12)

	
Always

	
See Coding

	
0 = Current

1 = 30-59 days delinquent

2 = 60-89 days delinquent

3 = 90-119 days delinquent

4 = 120+ days delinquent

5 = Foreclosure

6 = REO

7 = Loan did not exist in period

X = Unavailable

	  
	
98

	
Months Bankruptcy

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

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Bankruptcy

	
>= 0

	  	
Blank = Borrower is not known to have been in bankruptcy

	
99

	
Months Foreclosure

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

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Foreclosure

	
>= 0

	  	
Blank = Borrower is not known to have been in foreclosure

	
100

	
Primary Borrower Wage Income

	
Monthly base wage income for primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
101

	
Co-Borrower Wage Income

	
Monthly base wage income for all other borrowers.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
102

	
Primary Borrower Other Income

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

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
103

	
Co-Borrower Other Income

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

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
104

	
All Borrower Wage Income

	
Monthly income of all borrowers derived from base salary only.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
105

	
All Borrower Total Income

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

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
106

	
4506-T Indicator

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

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No

1 = Yes

99 = Unknown

	  
	
107

	
Borrower Income Verification Level

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

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

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

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

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

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

	  
	
108

	
Co-Borrower Income Verification

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

 

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

 

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

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

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

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

	  
	
109

	
Borrower Employment Verification

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

 

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

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
110

	
Co-Borrower Employment Verification

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

 

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

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, Level 3 Verified (as defined)

	  
	
111

	
Borrower Asset Verification

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

 

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

 

	
Borrower Qualification

	
Numeric – Integer

	
3

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
112

	
Co-Borrower Asset Verification

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

 

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

 

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified

2 = Stated, Not Verified

3 = Stated, “Partially” Verified

4 = Stated, Level 4 Verified  (as defined)

	  
	
113

	
Liquid / Cash Reserves

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

	
Borrower Qualification

	
Numeric – Decimal

	
3242.76

	
9(9).99

	
Always

	
>= 0

	  	  
	
114

	
Monthly Debt All Borrowers

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

	
Borrower Qualification

	
Numeric – Decimal

	
3472.43

	
9(9).99

	
Always

	
>= 0

	  	  
	
115

	
Originator DTI

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

	
Borrower Qualification

	
Numeric – Decimal

	
0.35

	
9.999999

	
Always

	
>= 0 and >= 1

	  	  
	
116

	
Fully Indexed Rate

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

	
Borrower Qualification

	
Numeric – Decimal

	
0.0975

	
9.999999

	
ARMs Only

	
>= 0 and >= 1

	  	  
	
117

	
Qualification Method

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

	
Borrower Qualification

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
1 = Start Rate

2 = First Year Cap Rate

3 = I/O Amount

4 = Fully Indexed

5 = Min Payment

98 = Other

99 = Unknown

	  
	
118

	
Percentage of Down Payment from Borrower Own Funds

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

	
Borrower Qualification

	
Numeric – Decimal

	
0.5

	
9.999999

	
Purchase Loans Only

	
>= 0 and >= 1

	  	  
	
119

	
City

	
The name of the city.

	
Subject Property

	
Text

	
New York

	
X(45)

	
Always

	
Unk=Unknown

	  	  
	
120

	
State

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

	
Subject Property

	
Text

	
NY

	
XX

	
Always

	
See Coding

	
See Appendix H

	  
	
121

	
Postal Code

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

	
Subject Property

	
Text

	
10022

	
X(5)

	
Always

	
Unk=Unknown

	  	  
	
122

	
Property Type

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

	
Subject Property

	
Numeric – Integer

	
11

	
99

	
Always

	
See Coding

	
See Appendix D

	  
	
123

	
Occupancy

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

	
Subject Property

	
Numeric – Integer

	
4

	
9

	
Always

	
See Coding

	
See Appendix E

	  
	
124

	
Sales Price

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

	
Subject Property

	
Numeric – Decimal

	
450000.23

	
9(10).99

	
Purchase Loans Only

	
> 0

	  	  
	
125

	
Original Appraised Property Value

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

	
Subject Property

	
Numeric – Decimal

	
550000.23

	
9(10).99

	
Always

	
> 0

	  	  
	
126

	
Original Property Valuation Type

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

	
Subject Property

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix F

	  
	
127

	
Original Property Valuation Date

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

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
128

	
Original Automated Valuation Model (AVM) Model Name

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

	
Subject Property

	
Numeric – Integer

	
1

	
99

	
Always

	
See Appendix I

	
See Appendix I

	  
	
129

	
Original AVM Confidence Score

	
The confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.74

	
9.999999

	
If AVM Model Name (Field 127) > 0

	
>= 0 to <= 1

	  	  
	
130

	
Most Recent Property Value[1]

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

	
Subject Property

	
Numeric – Decimal

	
500000

	
9(10).99

	
If updated value was obtained subsequent to loan approval

	
> 0

	  	  
	
131

	
Most Recent Property Valuation Type

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

	
Subject Property

	
Numeric – Integer

	
6

	
9

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix F

	  
	
132

	
Most Recent Property Valuation Date

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

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
If updated value was obtained subsequent to loan approval

	
“19010101” if unknown

	  	  
	
133

	
Most Recent AVM Model Name

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

	
Subject Property

	
Numeric – Integer

	
19

	
99

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix I

	  
	
134

	
Most Recent AVM Confidence Score

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

	
Subject Property

	
Numeric – Decimal

	
0.85

	
9.999999

	
If “Most Recent AVM Model Name” > 0

	
>= 0 to <= 1

	  	  
	
135

	
Original CLTV

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

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.96

	
9.999999

	
Always

	
>= 0 and <= 1.5

	  	  
	
136

	
Original LTV

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

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.8

	
9.999999

	
Always

	
>= 0 and <= 1.25

	  	  
	
137

	
Original Pledged Assets

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

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
75000

	
9(10).99

	
Always

	
>=0

	  	  
	
138

	
Mortgage Insurance Company Name

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

	
Mortgage Insurance

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
139

	
Mortgage Insurance Percent

	
Mortgage Insurance coverage percentage.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
“Mortgage Insurance Company Name” > 0

	
>= 0 to <= 1

	  	  
	
140

	
MI: Lender or Borrower Paid?

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

	
Mortgage Insurance

	
Numeric – Integer

	
1

	
99

	
“Mortgage Insurance Company Name” > 0

	
See Coding

	
1 = Borrower-Paid

2 = Lender- Paid

99 = Unknown

	  
	
141

	
Pool Insurance Co. Name

	
Name of pool insurance provider.

	
Mortgage Insurance

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
142

	
Pool Insurance Stop Loss %

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

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
Pool MI Company > 0

	
>= 0 to <= 1

	  	  
	
143

	
MI Certificate Number

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

	
Mortgage Insurance

	
Text

	
123456789G

	
X(20)

	
MI Company

> 0

	
UNK = Unknown

	  	  
	
144

	
Updated DTI

(Front-end)

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

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

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
145

	
Updated DTI

(Back-end)

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

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

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
146

	
Modification Effective Payment Date

	
Date of first payment due post modification.

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

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
147

	
Total Capitalized Amount

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

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

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
148

	
Total Deferred Amount

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

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

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
149

	
Pre-Modification Interest (Note) Rate

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

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

	
Numeric – Decimal

	
0.075

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
150

	
Pre-Modification P&I Payment

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

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

	
Numeric – Decimal

	
2310.57

	
9(10).99

	
Modified Loans Only

	
> 0

	  	  
	
151

	
Pre-Modification Initial Interest Rate Change Downward Cap

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

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

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
152

	
Pre-Modification Subsequent Interest Rate Cap

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

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

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
153

	
Pre-Modification Next Interest Rate Change Date

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

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

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
154

	
Pre-Modification I/O Term

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

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

	
Numeric – Integer

	
36

	
999

	
Modified Loans Only

	
>= 0 to <= 120

	  	  
	
155

	
Forgiven Principal Amount

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

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

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
156

	
Forgiven Interest Amount

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

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

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
157

	
Number of Modifications

	
The number of times the loan has been modified.

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

	
Numeric – Integer

	
1

	
9

	
Modified Loans Only

	
>= 0

	  	  
	
MH-1

	
Real Estate Interest

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

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Owned

2 = Short-term lease

3 = Long-term lease

99 = Unavailable

	  
	
MH-2

	
Community Ownership Structure

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

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Public Institutional

2 = Public Non-Institutional

3 = Private Institutional

4 = Private Non-Institutional

5 = HOA-Owned

6 = Non-Community

99 = Unavailable

	  
	
MH-3

	
Year of Manufacture

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

	
Manufactured Housing

	
Numeric – Integer

	
2006

	
YYYY

	
Manufactured Housing Loans Only

	
1901 = Unavailable

	  	  
	
MH-4

	
HUD Code Compliance  Indicator (Y/N)

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

	
Manufactured Housing

	
Numeric – Integer

	
1

	
9

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-5

	
Gross Manufacturer’s Invoice Price

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

	
Manufactured Housing

	
Numeric – Decimal

	
72570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-6

	
LTI (Loan-to-Invoice) Gross

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

	
Manufactured Housing

	
Numeric – Decimal

	
0.75

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-7

	
Net Manufacturer’s Invoice Price

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

	
Manufactured Housing

	
Numeric – Decimal

	
61570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-8

	
LTI (Net)

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

	
Manufactured Housing

	
Numeric – Decimal

	
0.62

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-9

	
Manufacturer Name

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

	
Manufactured Housing

	
Text

	
“XYZ Corp”

	
Char (100)

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

	
MH Manufacturer name in double quotation marks

	  	  
	
MH-10

	
Model Name

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

	
Manufactured Housing

	
Text

	
“DX5-916-X”

	
Char (100)

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

	
MH Model name in double quotation marks

	  	  
	
MH-11

	
Down Payment Source

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

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
1 = Cash

2 = Proceeds from trade in

3 = Land in Lieu

4 = Other

99 = Unavailable

	  
	
MH-12

	
Community/Related Party Lender (Y/N)

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

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-13

	
Defined Underwriting Criteria (Y/N)

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

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No

1 = Yes

99 = Unavailable

	  
	
MH-14

	
Chattel Indicator

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

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = Real Estate

1 = Chattel

99 = Unavailable

	  

 

  

22

  

 

ATTACHMENT 2

SALE AND SERVICING AGREEMENT

 

(Please refer to Exhibit 10.11 of Form 8-K filed by the Issuing Entity on September 26, 2011)

 

  

23

  

EXHIBIT D-3

 

INITIAL AUTHORIZED REPRESENTATIVES OF THE SERVICER

 

	
Name

	 	
Title

	 	
Specimen Signature

	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  
	  	 	  	 	  

 

  

 

  

EXHIBIT F

REQUEST FOR RELEASE OF DOCUMENTS

	
To:

	
Wells Fargo Bank, N.A.

	
Date:  _______________

	  	
751 Kasota Avenue

	  
	  	
Minneapolis, MN  55414

	  
	  	
Attn:  WFDC Release Department.

	  
	 	 	 
	  	
Re:

	
Custodial Agreement, dated as of September 1, 2011, among U.S. Bank National Association, as Trustee, Wells Fargo Bank, N.A., as Custodian, Sequoia Residential Funding, Inc., as Depositor, and Redwood Residential Acquisition Corporation, as Seller

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

 

	
Mortgage Loan Number:

	 	
Investor Number:

	  	 	  
	
Mortgagor Name, Address & Zip Code:

	 	
Pool Number:

Reason for Requesting Documents (check one):

	  	
 1. Mortgage Paid in Full

	  	 
	  	  	 
	  	
 2. Foreclosure

	  	 
	  	  	 
	  	
 3.  Substitution

	  	 
	  	  	 
	  	
 4. Other Liquidation

	  	 
	  	  	 
	   	
 5. Non-liquidation 

	Reason: 	
 

	  
	  	  	 
	  	   	
For CMI Use Only:

	  	 

 

	
By:

	 	  
	 	       (Authorized Signature)	  
	  	 	  
	
Printed Name

	 	  
	  	 	  
	
Servicer Name:

	 	  
	  	 	  
	
Ship To Address:

	 	  
	 	 	 
	 	 	 

  

 

  

 

	
Phone:

	  	  

 

	
Custodian

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

	  
	  	  	
Date

	 	 
	
Signature

	  
	
Documents returned to Custodian:

	  
	  	  	
Date

	 	 
	
Custodian

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00194-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00194-of-00352.parquet"}]]