Document:

OPTEUM MORTGAGE ACCEPTANCE CORPORATION,

COMPANY,

WELLS FARGO BANK, N.A.

MASTER SERVICER AND SECURITIES ADMINISTRATOR,

AND

HSBC BANK USA, NATIONAL ASSOCIATION

TRUSTEE

POOLING AND SERVICING AGREEMENT

DATED AS OF NOVEMBER 1, 2005

________________________

ASSET-BACKED PASS-THROUGH CERTIFICATES

SERIES 2005-5

 

 

TABLE OF CONTENTS

ARTICLE I

 

DEFINITIONS

	
             
 	
            Section 1.01
 	
            Defined Terms. 
 

Accepted Master Servicing Practices 

Accrual Period 

Accrued Certificate Interest 

Adjustable Rate Mortgage Loans 

Advance 

Affected Party 

Affiliate 

Aggregate Stated Principal Balance 

Agreement 

Allocated Realized Loss Amount 

Assignment 

Assignment Agreement 

Available Distribution Amount 

Bankruptcy Code 

Basic Principal Distribution Amount 

Basis Risk Shortfall 

Basis Risk Shortfall Carry-Forward Amount 

Basis Risk Shortfall Reserve Fund 

Book-Entry Certificate 

Business Day 

Cash Liquidation 

Cenlar 

Cenlar Servicing Agreement 

Certificate 

Certificate Account 

Certificate Account Deposit Date 

Certificateholder or Holder 

Certificate Insurer 

Certificate Insurer Default 

Certificate Margin 

Certificate Owner 

Certificate Principal Balance 

Certificate Register 

Class 

Class A Certificate 

Class I-A1 Certificate 

Class I-A1A Certificate 

Class I-A1B Certificate 

Class I-A1C Certificate 

 

 

Class I-A1D Certificate 

Class I-APT Certificate 

Class I-A2 Certificate 

Class I-A Principal Distribution Amount 

Class II-A1 Certificate 

Class II-A1A Certificate 

Class II-A1B Certificate 

Class II-A1C Certificate 

Class II-A1D Certificates 

Class II-A1D1 Certificate 

Class II-A1D2 Certificate 

Class II-A1D2 Policy 

Class II-A1D2 Principal Parity Amount 

Class II-A1D2 Premium 

Class II-A Principal Distribution Amount 

Class II-AN Certificate 

Class IO Distribution Amount 

Class IO Interest 

Class M Certificates 

Class M-1 Certificate 

Class M-1 Principal Distribution Amount 

Class M-2 Certificate 

Class M-2 Principal Distribution Amount 

Class M-3 Certificate 

Class M-3 Principal Distribution Amount 

Class M-4 Certificate 

Class M-4 Principal Distribution Amount 

Class M-5 Certificate 

Class M-5 Principal Distribution Amount 

Class M-6 Certificate 

Class M-6 Principal Distribution Amount 

Class M-7 Certificate 

Class M-7 Principal Distribution Amount 

Class M-8 Certificate 

Class M-8 Principal Distribution Amount 

Class M-9 Certificate 

Class M-9 Principal Distribution Amount 

Class M-10 Certificate 

Class M-10 Principal Distribution Amount 

Class P Certificate 

Class R Certificate 

Class R-1 Interest 

Class R-2 Interest 

Class R-3 Interest 

Closing Date 

Code 

 

 

Collateral Value 

Commission 

Company 

Compensating Interest 

Corporate Trust Office 

Corresponding Certificate 

Credit Support Depletion Date 

Curtailment 

Custodial Account 

Custodial Agreement 

Custodian 

Cut-off Date 

Defaulting Party 

Deficient Valuation 

Definitive Certificate 

Deleted Mortgage Loan 

Delinquent 

Depository 

Depository Participant 

Determination Date 

Disqualified Organization 

Distribution Date 

Due Date 

Due Period 

EDGAR 

Eligible Account 

ERISA Restricted Certificates 

Event of Default 

Exchange Act 

Extra Principal Distribution Amount 

Fannie Mae 

FDIC 

Fitch 

Fixed Rate Mortgage Loans 

Freddie Mac 

Group I Loans 

Group II Loans 

Guaranteed Distributions 

Indenture 

Indenture Trustee 

Initial Certificate Principal Balance 

Initial Notional Amount 

Insurance Policy 

Insurance Proceeds 

Interest Carry Forward Amount 

Interest Determination Date 

 

 

Interest Remittance Amount 

Late Collections 

Lender-Paid Insured Loans 

Lender-Paid Primary Insurance Policy 

Lender-Paid Primary Insurance Rate 

LIBOR 

LIBOR Business Day 

Liquidated Mortgage Loan 

Liquidation Proceeds 

Loan-to-Value Ratio 

Lockout Distribution Amount 

Lost Note Affidavit 

Majority Class C Certificateholder 

Marker Rate 

Master Servicer 

Maximum Uncertificated Accrued Interest Deferral Amount 

MERS 

MERS® System 

MIN 

MOM Loan 

Monthly Payment 

Moody’s 

Mortgage 

Mortgage File 

Mortgage Loan 

Mortgage Loan Purchase Agreement 

Mortgage Loan Schedule 

Mortgage Note 

Mortgage Rate 

Mortgaged Property 

Mortgagor 

Net Liquidation Proceeds 

Net Monthly Excess Cashflow 

Net Mortgage Rate 

Net Prepayment Interest Shortfall 

Net Swap Payment 

Net WAC Rate 

Nonrecoverable Advance 

Non-United States Person 

Note Account 

Note Administrator 

Notional Amount 

Offered Certificates 

Officers’ Certificate 

Opinion of Counsel 

Optional Termination Date 

 

 

OTS 

Outstanding Mortgage Loan 

Overcollateralization Deficiency Amount 

Overcollateralization Floor Amount 

Overcollateralization Release Amount 

Overcollateralization Target Amount 

Overcollateralized Amount 

Ownership Interest 

Pass-Through Rate 

Percentage Interest 

Permitted Investment 

Permitted Transferee 

Person 

Prepayment Assumption 

Prepayment Charge 

Prepayment Interest Shortfall 

Prepayment Period 

Primary Hazard Insurance Policy 

Primary Insurance Policy 

Principal Distribution Amount 

Principal Parity Deficit 

Principal Prepayment 

Principal Prepayment in Full 

Principal Remittance Amount 

Prior Principal Parity Payments 

Prospectus Supplement 

Protected Account 

Purchase Price 

Qualified Insurer 

Qualified Substitute Mortgage Loan 

Rating Agency 

Realized Loss 

Record Date 

Regular Certificate 

Regular Interest 

Relief Act 

Relief Act Interest Shortfall 

REMIC 

REMIC 1 

REMIC 1 Group I Regular Interests 

REMIC 1 Group II Regular Interests 

REMIC 1 Regular Interest 

REMIC 2 

REMIC 2 Interest Loss Allocation Amount 

REMIC 2 Marker Allocation Percentage 

REMIC 2 Overcollateralized Amount 

 

 

REMIC 2 Principal Loss Allocation Amount 

REMIC 2 Overcollateralization Target Amount 

REMIC 2 Regular Interests 

REMIC 2 Sub WAC Allocation Percentage 

REMIC 2 Subordinated Balance Ratio 

REMIC 3 

REMIC Provisions 

REMIC Regular Interest 

Remittance Report 

REO Acquisition 

REO Disposition 

REO Imputed Interest 

REO Proceeds 

REO Property 

Request for Release 

Residual Certificates 

Residual Interest 

Responsible Officer 

Securities Administrator 

Seller 

Senior Enhancement Percentage 

Servicer 

Servicer Remittance Date 

Servicing Advances 

Servicing Agreement 

Servicing Fee 

Servicing Fee Rate 

Servicing Officer 

Single Certificate 

Standard & Poor’s 

Startup Day 

Stated Principal Balance 

Stepdown Date

Sub-Group

Subservicer 

Subservicer Remittance Date 

Subservicing Agreement 

Subsequent Recoveries 

Substitution Adjustment 

Supplemental Interest Trust 

Swap Agreement 

Swap LIBOR 

Swap Principal Payment Amount 

Swap Provider 

Swap Provider Trigger Event 

Swap Termination Payment 

 

 

Tax Returns 

Transfer 

Transferor 

Trigger Event 

Trust Fund 

Trust REMIC 

Trustee 

Uncertificated Accrued Interest 

Uncertificated Notional Amount 

Uncertificated Principal Balance 

Uncertificated Pass-Through Rate 

Uncertificated REMIC 1 Pass-Through Rate 

Uncertificated REMIC 2 Pass-Through Rate 

Uninsured Cause 

United States Person 

Voting Rights 

Weighted Average Net Mortgage Rate 

	
             
 	
            Section 1.02
 	
            Determination of LIBOR. 
 

	
             
 	
            Section 1.03
 	
            Allocation of Certain Interest Shortfalls. 
 

ARTICLE II

 

CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES

	
             
 	
            Section 2.01
 	
            Conveyance of Mortgage Loans. 
 

	
             
 	
            Section 2.02
 	
            Acceptance of the Trust Fund by the Trustee. 
 

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

Company. 

	
             
 	
            Section 2.04
 	
            Assignment of Interest in the Mortgage Loan Purchase Agreement. 
 

	
             
 	
            Section 2.05
 	
            Issuance of Certificates; Conveyance of REMIC Regular Interests and 
 

Acceptance of REMIC 1, REMIC 2 and REMIC 3 by the Trustee. 

	
             
 	
            Section 2.06
 	
            Negative Covenants of the Trustee and Master Servicer. 
 

ARTICLE III

 

ADMINISTRATION AND SERVICING OF THE TRUST FUND

	
             
 	
            Section 3.01
 	
            Administration and Servicing of Mortgage Loans. 
 

	
             
 	
            Section 3.02
 	
            REMIC-Related Covenants. 
 

	
             
 	
            Section 3.03
 	
            Monitoring of Servicer. 
 

	
             
 	
            Section 3.04
 	
            Fidelity Bond. 
 

	
             
 	
            Section 3.05
 	
            Power to Act; Procedures. 
 

	
             
 	
            Section 3.06
 	
            Due-on-Sale Clauses; Assumption Agreements. 
 

	
             
 	
            Section 3.07
 	
            Release of Mortgage Files. 
 

	
             
 	
            Section 3.08
 	
            Documents, Records and Funds in Possession of Master Servicer To 
 

Be Held for Trustee. 

	
             
 	
            Section 3.09
 	
            Standard Hazard Insurance and Flood Insurance Policies. 
 

	
             
 	
            Section 3.10
 	
            Presentment of Claims and Collection of Proceeds. 
 

 

 

	
             
 	
            Section 3.11
 	
            Maintenance of the Primary Mortgage Insurance Policies. 
 

	
             
 	
            Section 3.12
 	
            Trustee to Retain Possession of Certain Insurance Policies and 
 

Documents. 

	
             
 	
            Section 3.13
 	
            Realization Upon Defaulted Mortgage Loans. 
 

	
             
 	
            Section 3.14
 	
            Compensation for the Master Servicer. 
 

	
             
 	
            Section 3.15
 	
            REO Property. 
 

	
             
 	
            Section 3.16
 	
            Protected Accounts. 
 

	
             
 	
            Section 3.17
 	
            Custodial Account. 
 

	
             
 	
            Section 3.18
 	
            Permitted Withdrawals and Transfers from the Custodial Account. 
 

	
             
 	
            Section 3.19
 	
            Certificate Account. 
 

	
             
 	
            Section 3.20
 	
            Permitted Withdrawals and Transfers from the Certificate Account. 
 

	
             
 	
            Section 3.21
 	
            Annual Officer’s Certificate as to Compliance. 
 

	
             
 	
            Section 3.22
 	
            Annual Independent Accountant’s Servicing Report. 
 

	
             
 	
            Section 3.23
 	
            Reports Filed with Securities and Exchange Commission. 
 

	
             
 	
            Section 3.24
 	
            UCC. 
 

	
             
 	
            Section 3.25
 	
            Optional Purchase of Defaulted Mortgage Loans. 
 

ARTICLE IV

 

PAYMENTS TO CERTIFICATEHOLDERS

	
             
 	
            Section 4.01
 	
            Distributions. 
 

	
             
 	
            Section 4.02
 	
            Statements to Certificateholders. 
 

	
             
 	
            Section 4.03
 	
            Remittance Reports; Advances by the Master Servicer. 
 

	
             
 	
            Section 4.04
 	
            Distributions on the REMIC Regular Interests. 
 

	
             
 	
            Section 4.05
 	
            Allocation of Realized Losses. 
 

	
             
 	
            Section 4.06
 	
            Information Reports to Be Filed by the Servicer. 
 

	
             
 	
            Section 4.07
 	
            Compliance with Withholding Requirements. 
 

	
             
 	
            Section 4.08
 	
            Basis Risk Shortfall Reserve Fund. 
 

	
             
 	
            Section 4.09
 	
            Supplemental Interest Trust. 
 

	
             
 	
            Section 4.10
 	
            Tax Treatment of Swap Payments and Swap Termination Payments. 
 

	
             
 	
            Section 4.11
 	
            Class II-A1D2 Policy Matters. 
 

	
             
 	
            Section 4.12
 	
            Trustee to Hold the Class II-A1D2 Policy. 
 

ARTICLE V

 

THE CERTIFICATES

	
             
 	
            Section 5.01
 	
            The Certificates. 
 

	
             
 	
            Section 5.02
 	
            Registration of Transfer and Exchange of Certificates. 
 

	
             
 	
            Section 5.03
 	
            Mutilated, Destroyed, Lost or Stolen Certificates. 
 

	
             
 	
            Section 5.04
 	
            Persons Deemed Owners. 
 

	
             
 	
            Section 5.05
 	
            Rule 144A Information. 
 

ARTICLE VI

 

THE COMPANY AND THE MASTER SERVICER

	
             
 	
            Section 6.01
 	
            Liability of the Company and the Master Servicer. 
 

 

 

	
             
 	
            Section 6.02
 	
            Merger, Consolidation or Conversion of the Company or the Master 
 

Servicer. 

	
             
 	
            Section 6.03
 	
            Limitation on Liability of the Company, the Master Servicer, the Securities 
 

Administrator and Others. 

	
             
 	
            Section 6.04
 	
            Limitation on Resignation of the Master Servicer. 
 

	
             
 	
            Section 6.05
 	
            Sale and Assignment of Master Servicing. 
 

ARTICLE VII

 

DEFAULT

	
             
 	
            Section 7.01
 	
            Events of Default. 
 

	
             
 	
            Section 7.02
 	
            Trustee to Act; Appointment of Successor. 
 

	
             
 	
            Section 7.03
 	
            Notification to Certificateholders. 
 

	
             
 	
            Section 7.04
 	
            Waiver of Events of Default. 
 

	
             
 	
            Section 7.05
 	
            List of Certificateholders. 
 

ARTICLE VIII

 

CONCERNING THE TRUSTEE AND SECURITIES ADMINISTRATOR

	
             
 	
            Section 8.01
 	
            Duties of Trustee and the Securities Administrator. 
 

	
             
 	
            Section 8.02
 	
            Certain Matters Affecting the Trustee and the Securities Administrator. 
 

	
             
 	
            Section 8.03
 	
            Trustee and Securities Administrator Not Liable for Certificates or Mortgage 
 

Loans. 

	
             
 	
            Section 8.04
 	
            Trustee and Securities Administrator May Own Certificates. 
 

	
             
 	
            Section 8.05
 	
            Trustee’s and Securities Administrator’s Fees. 
 

	
             
 	
            Section 8.06
 	
            Eligibility Requirements for Trustee and the Securities Administrator. 
 

	
             
 	
            Section 8.07
 	
            Resignation and Removal of the Trustee and the Securities Administrator. 
 

	
             
 	
            Section 8.08
 	
            Successor Trustee and Successor Securities Administrator. 
 

	
             
 	
            Section 8.09
 	
            Merger or Consolidation of Trustee or Securities Administrator. 
 

	
             
 	
            Section 8.10
 	
            Appointment of Co-Trustee or Separate Trustee. 
 

ARTICLE IX

 

TERMINATION

	
             
 	
            Section 9.01
 	
            Termination Upon Repurchase or Liquidation of All Mortgage Loans or 
 

upon Purchase of Certificates. 

	
             
 	
            Section 9.02
 	
            Termination of REMIC 2, and REMIC 3. 
 

	
             
 	
            Section 9.03
 	
            Additional Termination Requirements. 
 

ARTICLE X

 

REMIC PROVISIONS

	
             
 	
            Section 10.01
 	
            REMIC Administration. 
 

	
             
 	
            Section 10.02
 	
            Prohibited Transactions and Activities. 
 

	
             
 	
            Section 10.03
 	
            Master Servicer, Securities Administrator and Trustee Indemnification. 
 

 

 

ARTICLE XI

 

MISCELLANEOUS PROVISIONS

	
             
 	
            Section 11.01
 	
            Amendment. 
 

	
             
 	
            Section 11.02
 	
            Recordation of Agreement; Counterparts. 
 

	
             
 	
            Section 11.03
 	
            Limitation on Rights of Certificateholders. 
 

	
             
 	
            Section 11.04
 	
            Governing Law. 
 

	
             
 	
            Section 11.05
 	
            Notices. 
 

	
             
 	
            Section 11.06
 	
            Severability of Provisions. 
 

	
             
 	
            Section 11.07
 	
            Successors and Assigns. 
 

	
             
 	
            Section 11.08
 	
            Article and Section Headings. 
 

	
             
 	
            Section 11.09
 	
            Notice to Rating Agencies. 
 

	
             
 	
            Section 11.10
 	
            Third Party Rights. 
 

	
             
 	
            Section 11.11
 	
            Certificate Insurer Rights. 
 

 

 

Signatures

Acknowledgments

	
            Exhibit A
 	
            Form of Class A Certificate
 	
             

	
            Exhibit B-1
 	
            Form of Class M Certificate
 	
             

	
            Exhibit B-2
 	
            Form of Class C Certificate
 	
             

	
            Exhibit B-3
 	
            Form of Class P Certificate
 	
             

	
            Exhibit B-4
 	
            Form of Class R Certificate
 	
             

	
            Exhibit C
 	
            Form of Custodian Initial Certification
 	
             

	
            Exhibit D
 	
            Form of Custodian Final Certification
 	
             

	
            Exhibit E
 	
            Form of Remittance Report
 	
             

	
            Exhibit F
 	
            Form of Request for Release
 	
             

	
            Exhibit G-1
 	
            Form of Investor Representation Letter
 	
             

	
            Exhibit G-2
 	
            Form of Transferor Representation Letter
 	
             

	
            Exhibit G-3
 	
            Form of Rule 144A Investment Representation
 	
             

	
            Exhibit G-4
 	
            Form of Transferor Certificate for Transfers of Residual Certificates
 	
             

	
            Exhibit G-5
 	
            Form of Transfer Affidavit and Agreement for Transfers of Residual Certificates
 
	
            Exhibit H
 	
            Mortgage Loan Schedule
 	
             

	
            Exhibit I
 	
            [Reserved]
 	
             

	
            Exhibit J
 	
            [Reserved]
 	
             

	
            Exhibit K
 	
            Form of Assignment Agreement
 	
             

	
            Exhibit L-1
 	
            Form 10-K Certification
 	
             

	
            Exhibit L-2
 	
            Form 10-K Back-up Certification (Master Servicer)
 	
             

	
            Exhibit L-3
 	
            Form 10-K Back-up Certification (Trustee)
 	
             

	
            Exhibit M-1
 	
            Cenlar Servicing Agreement
 	
             

	
            Exhibit N
 	
            Form of Custodial Agreement
 	
             

	
            Exhibit O
 	
            Interest Rate Swap Agreement
 	
             

	
            Exhibit P
 	
            Form of Mortgage Loan Purchase Agreement
 	
             

																						

Exhibit Q                Form of Certificate Insurance Policy

 

 

This Pooling and Servicing Agreement, dated and effective as of November 1, 2005, is entered into among Opteum Mortgage Acceptance Corporation, as company (the “Company”), Wells Fargo Bank, N.A., as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”), and HSBC Bank USA, National Association, as trustee (the “Trustee”).

PRELIMINARY STATEMENT:

The Company intends to sell pass-through certificates (collectively, the “Certificates”), to be issued hereunder in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in the Trust Fund created hereunder.  The Certificates will consist of twenty-five classes of certificates, designated as (i) the Class I-APT, Class I-A1A, Class I-A1B, Class I-A1C, Class I-A1D, Class I-A2, Class II-A1A, Class II-A1B, Class II-A1C, Class II-A1D1, Class II-A1D2 and Class II-AN Certificates, (ii) the Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates, (iii) the Class C Certificates, (iv) the Class P Certificates and (v) the Class R Certificates.

 

 

REMIC 1

As provided herein, the Trustee will make an election to treat the segregated pool of assets consisting of the Trust Fund (exclusive of the Basis Risk Shortfall Reserve Fund and, for the avoidance of doubt, the Supplemental Interest Trust and the Swap Agreement) as a REMIC for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC 1”.  The Class R-1 Interest will represent the sole class of “residual interests” in REMIC 1 for purposes of the REMIC Provisions.

The following table irrevocably sets forth the designation, the Uncertificated REMIC 1 Pass-Through Rate, the initial Uncertificated Principal Balance, and for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the REMIC 1 Regular Interests.  None of the REMIC 1 Regular Interests will be certificated.

	
            Designation
  	
            Uncertificated REMIC 1
  Pass-Through Rate
  	
             
  	
            Initial Certificate
  Principal Balance
  	
            Assumed Final
  Maturity Date(1)
  
	
            I
 	
            (2)
 	
            $
 	
            2,082,614.01
 	
            December 26, 2035
 
	
            I-1-A
 	
            (2)
 	
            $
 	
            3,701,472.63
 	
            December 26, 2035
 
	
            I-1-B
 	
            (2)
 	
            $
 	
            3,701,472.63
 	
            December 26, 2035
 
	
            I-2-A
 	
            (2)
 	
            $
 	
            4,794,947.59
 	
            December 26, 2035
 
	
            I-2-B
 	
            (2)
 	
            $
 	
            4,794,947.59
 	
            December 26, 2035
 
	
            I-3-A
 	
            (2)
 	
            $
 	
            5,888,651.77
 	
            December 26, 2035
 
	
            I-3-B
 	
            (2)
 	
            $
 	
            5,888,651.77
 	
            December 26, 2035
 
	
            I-4-A
 	
            (2)
 	
            $
 	
            6,973,413.73
 	
            December 26, 2035
 
	
            I-4-B
 	
            (2)
 	
            $
 	
            6,973,413.73
 	
            December 26, 2035
 
	
            I-5-A
 	
            (2)
 	
            $
 	
            8,039,643.74
 	
            December 26, 2035
 
	
            I-5-B
 	
            (2)
 	
            $
 	
            8,039,643.74
 	
            December 26, 2035
 
	
            I-6-A
 	
            (2)
 	
            $
 	
            9,077,436.05
 	
            December 26, 2035
 
	
            I-6-B
 	
            (2)
 	
            $
 	
            9,077,436.05
 	
            December 26, 2035
 
	
            I-7-A
 	
            (2)
 	
            $
 	
            10,076,014.66
 	
            December 26, 2035
 
	
            I-7-B
 	
            (2)
 	
            $
 	
            10,076,014.66
 	
            December 26, 2035
 
	
            I-8-A
 	
            (2)
 	
            $
 	
            11,024,836.45
 	
            December 26, 2035
 
	
            I-8-B
 	
            (2)
 	
            $
 	
            11,024,836.45
 	
            December 26, 2035
 
	
            I-9-A
 	
            (2)
 	
            $
 	
            11,888,572.23
 	
            December 26, 2035
 
	
            I-9-B
 	
            (2)
 	
            $
 	
            11,888,572.23
 	
            December 26, 2035
 
	
            I-10-A
 	
            (2)
 	
            $
 	
            12,595,754.83
 	
            December 26, 2035
 
	
            I-10-B
 	
            (2)
 	
            $
 	
            12,595,754.83
 	
            December 26, 2035
 
	
            I-11-A
 	
            (2)
 	
            $
 	
            12,802,912.22
 	
            December 26, 2035
 
	
            I-11-B
 	
            (2)
 	
            $
 	
            12,802,912.22
 	
            December 26, 2035
 
	
            I-12-A
 	
            (2)
 	
            $
 	
            12,223,536.34
 	
            December 26, 2035
 
	
            I-12-B
 	
            (2)
 	
            $
 	
            12,223,536.34
 	
            December 26, 2035
 
	
            I-13-A
 	
            (2)
 	
            $
 	
            11,664,755.51
 	
            December 26, 2035
 
	
            I-13-B
 	
            (2)
 	
            $
 	
            11,664,755.51
 	
            December 26, 2035
 
	
            I-14-A
 	
            (2)
 	
            $
 	
            11,132,212.56
 	
            December 26, 2035
 
	
            I-14-B
 	
            (2)
 	
            $
 	
            11,132,212.56
 	
            December 26, 2035
 
	
            I-15-A
 	
            (2)
 	
            $
 	
            10,624,655.84
 	
            December 26, 2035
 
	
            I-15-B
 	
            (2)
 	
            $
 	
            10,624,655.84
 	
            December 26, 2035
 
	
            I-16-A
 	
            (2)
 	
            $
 	
            10,140,893.88
 	
            December 26, 2035
 

 

 

 

 

	
            I-16-B
 	
            (2)
 	
            $
 	
            10,140,893.88
 	
            December 26, 2035
 
	
            I-17-A
 	
            (2)
 	
            $
 	
            9,679,792.55
 	
            December 26, 2035
 
	
            I-17-B
 	
            (2)
 	
            $
 	
            9,679,792.55
 	
            December 26, 2035
 
	
            I-18-A
 	
            (2)
 	
            $
 	
            9,240,272.32
 	
            December 26, 2035
 
	
            I-18-B
 	
            (2)
 	
            $
 	
            9,240,272.32
 	
            December 26, 2035
 
	
            I-19-A
 	
            (2)
 	
            $
 	
            8,821,284.52
 	
            December 26, 2035
 
	
            I-19-B
 	
            (2)
 	
            $
 	
            8,821,284.52
 	
            December 26, 2035
 
	
            I-20-A
 	
            (2)
 	
            $
 	
            8,421,894.97
 	
            December 26, 2035
 
	
            I-20-B
 	
            (2)
 	
            $
 	
            8,421,894.97
 	
            December 26, 2035
 
	
            I-21-A
 	
            (2)
 	
            $
 	
            8,041,149.36
 	
            December 26, 2035
 
	
            I-21-B
 	
            (2)
 	
            $
 	
            8,041,149.36
 	
            December 26, 2035
 
	
            I-22-A
 	
            (2)
 	
            $
 	
            7,678,142.93
 	
            December 26, 2035
 
	
            I-22-B
 	
            (2)
 	
            $
 	
            7,678,142.93
 	
            December 26, 2035
 
	
            I-23-A
 	
            (2)
 	
            $
 	
            62,533,334.21
 	
            December 26, 2035
 
	
            I-23-B
 	
            (2)
 	
            $
 	
            62,533,334.21
 	
            December 26, 2035
 
	
            I-24-A
 	
            (2)
 	
            $
 	
            4,308,997.58
 	
            December 26, 2035
 
	
            I-24-B
 	
            (2)
 	
            $
 	
            4,308,997.58
 	
            December 26, 2035
 
	
            I-25-A
 	
            (2)
 	
            $
 	
            4,125,711.76
 	
            December 26, 2035
 
	
            I-25-B
 	
            (2)
 	
            $
 	
            4,125,711.76
 	
            December 26, 2035
 
	
            I-26-A
 	
            (2)
 	
            $
 	
            3,950,641.51
 	
            December 26, 2035
 
	
            I-26-B
 	
            (2)
 	
            $
 	
            3,950,641.51
 	
            December 26, 2035
 
	
            I-27-A
 	
            (2)
 	
            $
 	
            3,783,405.65
 	
            December 26, 2035
 
	
            I-27-B
 	
            (2)
 	
            $
 	
            3,783,405.65
 	
            December 26, 2035
 
	
            I-28-A
 	
            (2)
 	
            $
 	
            3,623,641.21
 	
            December 26, 2035
 
	
            I-28-B
 	
            (2)
 	
            $
 	
            3,623,641.21
 	
            December 26, 2035
 
	
            I-29-A
 	
            (2)
 	
            $
 	
            3,471,002.24
 	
            December 26, 2035
 
	
            I-29-B
 	
            (2)
 	
            $
 	
            3,471,002.24
 	
            December 26, 2035
 
	
            I-30-A
 	
            (2)
 	
            $
 	
            3,325,159.25
 	
            December 26, 2035
 
	
            I-30-B
 	
            (2)
 	
            $
 	
            3,325,159.25
 	
            December 26, 2035
 
	
            I-31-A
 	
            (2)
 	
            $
 	
            3,185,798.32
 	
            December 26, 2035
 
	
            I-31-B
 	
            (2)
 	
            $
 	
            3,185,798.32
 	
            December 26, 2035
 
	
            I-32-A
 	
            (2)
 	
            $
 	
            3,052,642.80
 	
            December 26, 2035
 
	
            I-32-B
 	
            (2)
 	
            $
 	
            3,052,642.80
 	
            December 26, 2035
 
	
            I-33-A
 	
            (2)
 	
            $
 	
            2,925,360.69
 	
            December 26, 2035
 
	
            I-33-B
 	
            (2)
 	
            $
 	
            2,925,360.69
 	
            December 26, 2035
 
	
            I-34-A
 	
            (2)
 	
            $
 	
            2,803,736.56
 	
            December 26, 2035
 
	
            I-34-B
 	
            (2)
 	
            $
 	
            2,803,736.56
 	
            December 26, 2035
 
	
            I-35-A
 	
            (2)
 	
            $
 	
            6,466,300.42
 	
            December 26, 2035
 
	
            I-35-B
 	
            (2)
 	
            $
 	
            6,466,300.42
 	
            December 26, 2035
 
	
            I-36-A
 	
            (2)
 	
            $
 	
            2,391,794.87
 	
            December 26, 2035
 
	
            I-36-B
 	
            (2)
 	
            $
 	
            2,391,794.87
 	
            December 26, 2035
 
	
            I-37-A
 	
            (2)
 	
            $
 	
            2,294,513.95
 	
            December 26, 2035
 
	
            I-37-B
 	
            (2)
 	
            $
 	
            2,294,513.95
 	
            December 26, 2035
 
	
            I-38-A
 	
            (2)
 	
            $
 	
            2,201,456.63
 	
            December 26, 2035
 
	
            I-38-B
 	
            (2)
 	
            $
 	
            2,201,456.63
 	
            December 26, 2035
 
	
            I-39-A
 	
            (2)
 	
            $
 	
            2,112,430.90
 	
            December 26, 2035
 
	
            I-39-B
 	
            (2)
 	
            $
 	
            2,112,430.90
 	
            December 26, 2035
 

 

 

 

 

	
            I-40-A
 	
            (2)
 	
            $
 	
            2,027,253.77
 	
            December 26, 2035
 
	
            I-40-B
 	
            (2)
 	
            $
 	
            2,027,253.77
 	
            December 26, 2035
 
	
            I-41-A
 	
            (2)
 	
            $
 	
            1,945,750.88
 	
            December 26, 2035
 
	
            I-41-B
 	
            (2)
 	
            $
 	
            1,945,750.88
 	
            December 26, 2035
 
	
            I-42-A
 	
            (2)
 	
            $
 	
            1,867,755.87
 	
            December 26, 2035
 
	
            I-42-B
 	
            (2)
 	
            $
 	
            1,867,755.87
 	
            December 26, 2035
 
	
            I-43-A
 	
            (2)
 	
            $
 	
            1,793,110.25
 	
            December 26, 2035
 
	
            I-43-B
 	
            (2)
 	
            $
 	
            1,793,110.25
 	
            December 26, 2035
 
	
            I-44-A
 	
            (2)
 	
            $
 	
            1,721,662.92
 	
            December 26, 2035
 
	
            I-44-B
 	
            (2)
 	
            $
 	
            1,721,662.92
 	
            December 26, 2035
 
	
            I-45-A
 	
            (2)
 	
            $
 	
            1,653,269.72
 	
            December 26, 2035
 
	
            I-45-B
 	
            (2)
 	
            $
 	
            1,653,269.72
 	
            December 26, 2035
 
	
            I-46-A
 	
            (2)
 	
            $
 	
            1,587,793.33
 	
            December 26, 2035
 
	
            I-46-B
 	
            (2)
 	
            $
 	
            1,587,793.33
 	
            December 26, 2035
 
	
            I-47-A
 	
            (2)
 	
            $
 	
            1,525,102.71
 	
            December 26, 2035
 
	
            I-47-B
 	
            (2)
 	
            $
 	
            1,525,102.71
 	
            December 26, 2035
 
	
            I-48-A
 	
            (2)
 	
            $
 	
            1,465,072.99
 	
            December 26, 2035
 
	
            I-48-B
 	
            (2)
 	
            $
 	
            1,465,072.99
 	
            December 26, 2035
 
	
            I-49-A
 	
            (2)
 	
            $
 	
            1,407,585.00
 	
            December 26, 2035
 
	
            I-49-B
 	
            (2)
 	
            $
 	
            1,407,585.00
 	
            December 26, 2035
 
	
            I-50-A
 	
            (2)
 	
            $
 	
            1,352,525.19
 	
            December 26, 2035
 
	
            I-50-B
 	
            (2)
 	
            $
 	
            1,352,525.19
 	
            December 26, 2035
 
	
            I-51-A
 	
            (2)
 	
            $
 	
            1,299,785.19
 	
            December 26, 2035
 
	
            I-51-B
 	
            (2)
 	
            $
 	
            1,299,785.19
 	
            December 26, 2035
 
	
            I-52-A
 	
            (2)
 	
            $
 	
            1,249,261.68
 	
            December 26, 2035
 
	
            I-52-B
 	
            (2)
 	
            $
 	
            1,249,261.68
 	
            December 26, 2035
 
	
            I-53-A
 	
            (2)
 	
            $
 	
            1,200,856.15
 	
            December 26, 2035
 
	
            I-53-B
 	
            (2)
 	
            $
 	
            1,200,856.15
 	
            December 26, 2035
 
	
            I-54-A
 	
            (2)
 	
            $
 	
            1,154,474.57
 	
            December 26, 2035
 
	
            I-54-B
 	
            (2)
 	
            $
 	
            1,154,474.57
 	
            December 26, 2035
 
	
            I-55-A
 	
            (2)
 	
            $
 	
            1,110,027.27
 	
            December 26, 2035
 
	
            I-55-B
 	
            (2)
 	
            $
 	
            1,110,027.27
 	
            December 26, 2035
 
	
            I-56-A
 	
            (2)
 	
            $
 	
            1,067,426.72
 	
            December 26, 2035
 
	
            I-56-B
 	
            (2)
 	
            $
 	
            1,067,426.72
 	
            December 26, 2035
 
	
            I-57-A
 	
            (2)
 	
            $
 	
            1,026,997.60
 	
            December 26, 2035
 
	
            I-57-B
 	
            (2)
 	
            $
 	
            1,026,997.60
 	
            December 26, 2035
 
	
            I-58-A
 	
            (2) 
 	
            $
 	
            10,483,969.39
 	
            December 26, 2035
 
	
            I-58-B
 	
            (2)
 	
            $
 	
            10,483,969.39
 	
            December 26, 2035
 
	
            I-59-A
 	
            (2)
 	
            $
 	
            487,549.89
 	
            December 26, 2035
 
	
            I-59-B
 	
            (2)
 	
            $
 	
            487,549.89
 	
            December 26, 2035
 
	
            I-60-A
 	
            (2)
 	
            $
 	
            474,076.34
 	
            December 26, 2035
 
	
            I-60-B
 	
            (2)
 	
            $
 	
            474,076.34
 	
            December 26, 2035
 
	
            I-61-A
 	
            (2)
 	
            $
 	
            460,983.67
 	
            December 26, 2035
 
	
            I-61-B
 	
            (2)
 	
            $
 	
            460,983.67
 	
            December 26, 2035
 
	
            I-62-A
 	
            (2)
 	
            $
 	
            448,260.65
 	
            December 26, 2035
 
	
            I-62-B
 	
            (2)
 	
            $
 	
            448,260.65
 	
            December 26, 2035
 
	
            I-63-A
 	
            (2)
 	
            $
 	
            435,896.44
 	
            December 26, 2035
 

 

 

 

 

	
            I-63-B
 	
            (2)
 	
            $
 	
            435,896.44
 	
            December 26, 2035
 
	
            I-64-A
 	
            (2)
 	
            $
 	
            423,880.48
 	
            December 26, 2035
 
	
            I-64-B
 	
            (2)
 	
            $
 	
            423,880.48
 	
            December 26, 2035
 
	
            I-65-A
 	
            (2)
 	
            $
 	
            412,202.60
 	
            December 26, 2035
 
	
            I-65-B
 	
            (2)
 	
            $
 	
            412,202.60
 	
            December 26, 2035
 
	
            I-66-A
 	
            (2)
 	
            $
 	
            400,852.90
 	
            December 26, 2035
 
	
            I-66-B
 	
            (2)
 	
            $
 	
            400,852.90
 	
            December 26, 2035
 
	
            I-67-A
 	
            (2)
 	
            $
 	
            389,821.82
 	
            December 26, 2035
 
	
            I-67-B
 	
            (2)
 	
            $
 	
            389,821.82
 	
            December 26, 2035
 
	
            I-68-A
 	
            (2)
 	
            $
 	
            379,100.07
 	
            December 26, 2035
 
	
            I-68-B
 	
            (2)
 	
            $
 	
            379,100.07
 	
            December 26, 2035
 
	
            I-69-A
 	
            (2)
 	
            $
 	
            368,678.65
 	
            December 26, 2035
 
	
            I-69-B
 	
            (2)
 	
            $
 	
            368,678.65
 	
            December 26, 2035
 
	
            I-70-A
 	
            (2)
 	
            $
 	
            358,548.87
 	
            December 26, 2035
 
	
            I-70-B
 	
            (2)
 	
            $
 	
            358,548.87
 	
            December 26, 2035
 
	
            I-71-A
 	
            (2)
 	
            $
 	
            348,702.27
 	
            December 26, 2035
 
	
            I-71-B
 	
            (2)
 	
            $
 	
            348,702.27
 	
            December 26, 2035
 
	
            I-72-A
 	
            (2)
 	
            $
 	
            339,130.66
 	
            December 26, 2035
 
	
            I-72-B
 	
            (2)
 	
            $
 	
            339,130.66
 	
            December 26, 2035
 
	
            I-73-A
 	
            (2)
 	
            $
 	
            329,826.10
 	
            December 26, 2035
 
	
            I-73-B
 	
            (2)
 	
            $
 	
            329,826.10
 	
            December 26, 2035
 
	
            I-74-A
 	
            (2)
 	
            $
 	
            320,780.90
 	
            December 26, 2035
 
	
            I-74-B
 	
            (2)
 	
            $
 	
            320,780.90
 	
            December 26, 2035
 
	
            I-75-A
 	
            (2)
 	
            $
 	
            311,987.60
 	
            December 26, 2035
 
	
            I-75-B
 	
            (2)
 	
            $
 	
            311,987.60
 	
            December 26, 2035
 
	
            I-76-A
 	
            (2)
 	
            $
 	
            303,438.94
 	
            December 26, 2035
 
	
            I-76-B
 	
            (2)
 	
            $
 	
            303,438.94
 	
            December 26, 2035
 
	
            I-77-A
 	
            (2)
 	
            $
 	
            295,127.95
 	
            December 26, 2035
 
	
            I-77-B
 	
            (2)
 	
            $
 	
            295,127.95
 	
            December 26, 2035
 
	
            I-78-A
 	
            (2)
 	
            $
 	
            287,047.79
 	
            December 26, 2035
 
	
            I-78-B
 	
            (2)
 	
            $
 	
            287,047.79
 	
            December 26, 2035
 
	
            I-79-A
 	
            (2)
 	
            $
 	
            279,191.86
 	
            December 26, 2035
 
	
            I-79-B
 	
            (2)
 	
            $
 	
            279,191.86
 	
            December 26, 2035
 
	
            I-80-A
 	
            (2)
 	
            $
 	
            271,553.76
 	
            December 26, 2035
 
	
            I-80-B
 	
            (2)
 	
            $
 	
            271,553.76
 	
            December 26, 2035
 
	
            I-81-A
 	
            (2)
 	
            $
 	
            302,592.16
 	
            December 26, 2035
 
	
            I-81-B
 	
            (2)
 	
            $
 	
            302,592.16
 	
            December 26, 2035
 
	
            I-82-A
 	
            (2)
 	
            $
 	
            323,564.48
 	
            December 26, 2035
 
	
            I-82-B
 	
            (2)
 	
            $
 	
            323,564.48
 	
            December 26, 2035
 
	
            I-83-A
 	
            (2)
 	
            $
 	
            244,766.98
 	
            December 26, 2035
 
	
            I-83-B
 	
            (2)
 	
            $
 	
            244,766.98
 	
            December 26, 2035
 
	
            I-84-A
 	
            (2)
 	
            $
 	
            238,189.13
 	
            December 26, 2035
 
	
            I-84-B
 	
            (2)
 	
            $
 	
            238,189.13
 	
            December 26, 2035
 
	
            I-85-A
 	
            (2)
 	
            $
 	
            231,787.73
 	
            December 26, 2035
 
	
            I-85-B
 	
            (2)
 	
            $
 	
            231,787.73
 	
            December 26, 2035
 
	
            I-86-A
 	
            (2)
 	
            $
 	
            225,558.04
 	
            December 26, 2035
 
	
            I-86-B
 	
            (2)
 	
            $
 	
            225,558.04
 	
            December 26, 2035
 

 

 

 

 

	
            I-87-A
 	
            (2)
 	
            $
 	
            219,495.44
 	
            December 26, 2035
 
	
            I-87-B
 	
            (2)
 	
            $
 	
            219,495.44
 	
            December 26, 2035
 
	
            I-89-A
 	
            (2)
 	
            $
 	
            213,595.43
 	
            December 26, 2035
 
	
            I-88-B
 	
            (2)
 	
            $
 	
            213,595.43
 	
            December 26, 2035
 
	
            I-89-A
 	
            (2)
 	
            $
 	
            207,853.64
 	
            December 26, 2035
 
	
            I-89-B
 	
            (2)
 	
            $
 	
            207,853.64
 	
            December 26, 2035
 
	
            I-90-A
 	
            (2)
 	
            $
 	
            202,265.83
 	
            December 26, 2035
 
	
            I-90-B
 	
            (2)
 	
            $
 	
            202,265.83
 	
            December 26, 2035
 
	
            I-91-A
 	
            (2)
 	
            $
 	
            196,827.84
 	
            December 26, 2035
 
	
            I-91-B
 	
            (2)
 	
            $
 	
            196,827.84
 	
            December 26, 2035
 
	
            I-92-A
 	
            (2)
 	
            $
 	
            191,535.65
 	
            December 26, 2035
 
	
            I-92-B
 	
            (2)
 	
            $
 	
            191,535.65
 	
            December 26, 2035
 
	
            I-93-A
 	
            (2)
 	
            $
 	
            186,385.36
 	
            December 26, 2035
 
	
            I-94-B
 	
            (2)
 	
            $
 	
            186,385.36
 	
            December 26, 2035
 
	
            I-94A
 	
            (2)
 	
            $
 	
            181,373.13
 	
            December 26, 2035
 
	
            I-94-B
 	
            (2)
 	
            $
 	
            181,373.13
 	
            December 26, 2035
 
	
            I-95-A
 	
            (2)
 	
            $
 	
            176,495.30
 	
            December 26, 2035
 
	
            I-95-B
 	
            (2)
 	
            $
 	
            176,495.30
 	
            December 26, 2035
 
	
            I-96-A
 	
            (2)
 	
            $
 	
            171,748.21
 	
            December 26, 2035
 
	
            I-96-B
 	
            (2)
 	
            $
 	
            171,748.21
 	
            December 26, 2035
 
	
            I-97-A
 	
            (2)
 	
            $
 	
            167,128.39
 	
            December 26, 2035
 
	
            I-97-B
 	
            (2)
 	
            $
 	
            167,128.39
 	
            December 26, 2035
 
	
            I-98-A
 	
            (2)
 	
            $
 	
            162,632.38
 	
            December 26, 2035
 
	
            I-98-B
 	
            (2)
 	
            $
 	
            162,632.38
 	
            December 26, 2035
 
	
            I-99-A
 	
            (2)
 	
            $
 	
            158,256.92
 	
            December 26, 2035
 
	
            I-99-B
 	
            (2)
 	
            $
 	
            158,256.92
 	
            December 26, 2035
 
	
            I-100-A
 	
            (2)
 	
            $
 	
            153,998.73
 	
            December 26, 2035
 
	
            I-100-B
 	
            (2)
 	
            $
 	
            153,998.73
 	
            December 26, 2035
 
	
            I-101-A
 	
            (2)
 	
            $
 	
            149,854.68
 	
            December 26, 2035
 
	
            I-101-B
 	
            (2)
 	
            $
 	
            149,854.68
 	
            December 26, 2035
 
	
            I-102-A
 	
            (2)
 	
            $
 	
            145,821.71
 	
            December 26, 2035
 
	
            I-102-B
 	
            (2)
 	
            $
 	
            145,821.71
 	
            December 26, 2035
 
	
            I-103-A
 	
            (2)
 	
            $
 	
            141,896.84
 	
            December 26, 2035
 
	
            I-103-B
 	
            (2)
 	
            $
 	
            141,896.84
 	
            December 26, 2035
 
	
            I-104-A
 	
            (2)
 	
            $
 	
            5,089,115.79
 	
            December 26, 2035
 
	
            I-104-B
 	
            (2)
 	
            $
 	
            5,089,115.79
 	
            December 26, 2035
 
	
            II
 	
            (2)
 	
            $
 	
            232,519,501.29
 	
            December 26, 2035
 
	
            P
 	
            (2)
 	
            $
 	
            100.00
 	
            December 26, 2035
 

_______________

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

	
            (2)
 	
            Calculated in accordance with the definition of “Uncertificated REMIC 1 Pass-Through Rate” herein.
 

 

 

REMIC 2

As provided herein, the Trustee will make an election to treat the segregated pool of assets consisting of the REMIC 1 Regular Interests as a REMIC for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC 2”.  The Class R-2 Interest will represent the sole class of “residual interests” in REMIC 2 for purposes of the REMIC Provisions.

The following table irrevocably sets forth the designation, the Uncertificated REMIC 2 Pass-Through Rate, the initial Uncertificated Principal Balance, and for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the REMIC 2 Regular Interests.  None of the REMIC 2 Regular Interests will be certificated.

 

	
            Designation
  	
            Uncertificated REMIC 2
  Pass-Through Rate
  	
             
  	
            Initial Certificate
  Principal Balance
  	
            Assumed Final
  Maturity Date(1)
  
	
            LT-AA
 	
            (2)
 	
            $
 	
            483,275,528.04
 	
            December 26, 2035
 
	
            LT-I-APT
 	
            (2)
 	
            $
 	
            1,029,445.00
 	
            December 26, 2035
 
	
            LT-I-A1A
 	
            (2)
 	
            $
 	
            837,550.00
 	
            December 26, 2035
 
	
            LT-I-A1B
 	
            (2)
 	
            $
 	
            176,725.00
 	
            December 26, 2035
 
	
            LTl-I-A1C
 	
            (2)
 	
            $
 	
            584,075.00
 	
            December 26, 2035
 
	
            LT-I-A1D
 	
            (2) 
 	
            $
 	
            460,535.00
 	
            December 26, 2035
 
	
            LT-I-A2
 	
            (2)
 	
            $
 	
            343,145.00
 	
            December 26, 2035
 
	
            LT-II-A1A
 	
            (2)
 	
            $
 	
            292,160.00
 	
            December 26, 2035
 
	
            LT-II-A1B
 	
            (2)
 	
            $
 	
            359,980.00
 	
            December 26, 2035
 
	
            LT-II-A1C
 	
            (2)
 	
            $
 	
            37,425.00
 	
            December 26, 2035
 
	
            LT-II-A1D1
 	
            (2)
 	
            $
 	
            125,000.00
 	
            December 26, 2035
 
	
            LT-II-A1D2
 	
            (2)
 	
            $
 	
            138,125.00
 	
            December 26, 2035
 
	
            LT-II-AN
 	
            (2)
 	
            $
 	
            105,855.00
 	
            December 26, 2035
 
	
            LT-M-1
 	
            (2)
 	
            $
 	
            83,835.00
 	
            December 26, 2035
 
	
            LT-M-2
 	
            (2)
 	
            $
 	
            64,110.00
 	
            December 26, 2035
 
	
            LT-M-3
 	
            (2)
 	
            $
 	
            46,845.00
 	
            December 26, 2035
 
	
            LT-M-4
 	
            (2)
 	
            $
 	
            36,985.00
 	
            December 26, 2035
 
	
            LT-M-5
 	
            (2)
 	
            $
 	
            32,055.00
 	
            December 26, 2035
 
	
            LT-M-6
 	
            (2)
 	
            $
 	
            29,590.00
 	
            December 26, 2035
 
	
            LT-M-7
 	
            (2)
 	
            $
 	
            24,655.00
 	
            December 26, 2035
 
	
            LT-M-8
 	
            (2)
 	
            $
 	
            24,660.00
 	
            December 26, 2035
 
	
            LT-M-9
 	
            (2)
 	
            $
 	
            24,655.00
 	
            December 26, 2035
 
	
            LT-M-10
 	
            (2)
 	
            $
 	
            32,055.00
 	
            December 26, 2035
 
	
            LT-ZZ
 	
            (2)
 	
            $
 	
            4,973,300.88
 	
            December 26, 2035
 
	
            LT-1SUB
 	
            (2)
 	
            $
 	
            6,746.21
 	
            December 26, 2035
 
	
            LT-1GRP
 	
            (2)
 	
            $
 	
            75,375.72
 	
            December 26, 2035
 

 

 

 

 

	
            LT-2SUB
 	
            (2)
 	
            $
 	
            2,081.05
 	
            December 26, 2035
 
	
            LT-2GRP
 	
            (2)
 	
            $
 	
            23,251.95
 	
            December 26, 2035
 
	
            LT-XX
 	
            (2)
 	
            $
 	
            493,030,838.99
 	
            December 26, 2035
 
	
            LT-IO
 	
            (2)
 	
             
 	
            (3)
 	
            December 26, 2035
 
	
            LT-P
 	
            (2)
 	
            $
 	
            100.00
 	
            December 26, 2035
 

_______________

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

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

	
            (3)
 	
            REMIC 2 Regular Interest LT-IO will not have a Certificate Principal Balance, but will accrue interest on its Uncertificated Notional Amount, as defined herein.
 

 

 

REMIC 3

As provided herein, the Trustee will make an election to treat the segregated pool of assets consisting of the REMIC 2 Regular Interests as a REMIC for federal income tax purposes, and such segregated pool of assets will be designated as “REMIC 3”.  The Class R-3 Interest will represent the sole class of “residual interests” in REMIC 3 for purposes of the REMIC Provisions.

The following table irrevocably sets forth the Class designation, Pass-Through Rate and Initial Certificate Principal Balance for each Class of Certificates and Interests that represents ownership of one or more of the “regular interests” in REMIC 3 created hereunder.

Each Certificate, other than the Class P Certificate, the Class C Certificate and the Class R Certificates, represents ownership of a regular interest in REMIC 3 and also represents (i) the right to receive payments with respect to the Basis Risk Shortfall Carry-Forward Amount and (ii) the obligation to pay the Class IO Distribution Amount (as defined herein).  The entitlement to principal of  each REMIC 3 Regular Interest ownership of which is represented by a regular interest which corresponds to each Certificate shall be equal in amount and timing to the entitlement to principal of such Certificate.

	
            Class Designation
  	
             
  	
            Initial Certificate
  Principal Balance
  	
            Pass-Through Rate
  	
            Assumed Final 
  Maturity Date(1)
  
	
            Class I-APT(2)
 	
            $
 	
            205,889,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class I-A1A(2)
 	
            $
 	
            167,510,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class I-A1B(2)
 	
            $
 	
            35,345,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class I-A1C(2)
 	
            $
 	
            116,815,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class I-A1D(2)
 	
            $
 	
            92,107,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class I-A2(2)
 	
            $
 	
            68,629,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class II-A1A(2)
 	
            $
 	
            58,432,000.00
 	
            5.470%
 	
            December 26, 2035
 
	
            Class II-A1B(2)
 	
            $
 	
            71,996,000.00
 	
            5.640%
 	
            December 26, 2035
 
	
            Class II-A1C(2)
 	
            $
 	
            7,485,000.00
 	
            5.801%
 	
            December 26, 2035
 
	
            Class II-A1D1(2)
 	
            $
 	
            25,000,000.00
 	
            5.850%
 	
            December 26, 2035
 
	
            Class II-A1D2(2)
 	
            $
 	
            27,625,000.00
 	
            5.850%
 	
            December 26, 2035
 
	
            Class II-AN(2)
 	
            $
 	
            21,171,000.00
 	
            5.675%
 	
            December 26, 2035
 
	
            Class M-1(2)
 	
            $
 	
            16,767,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class M-2(2)
 	
            $
 	
            12,822,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class M-3(2)
 	
            $
 	
            9,369,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class M-4(2)
 	
            $
 	
            7,397,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class M-5(2)
 	
            $
 	
            6,411,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class M-6(2)
 	
            $
 	
            5,918,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class M-7(2)
 	
            $
 	
            4,931,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class M-8(2)
 	
            $
 	
            4,932,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
						

 

 

 

 

	
            Class M-9(2)
 	
            $
 	
            4,931,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class M-10(2)
 	
            $
 	
            6,411,000.00
 	
            Adjustable(3)
 	
            December 26, 2035
 
	
            Class C
 	
            $
 	
            8,383,587.83
 	
            Variable(4)
 	
            December 26, 2035
 
	
            Class P
 	
            $
 	
            100.00
 	
            (5)
 	
            December 26, 2035
 
	
            Class IO Interest
 	
             
 	
            (6)
 	
            (7)
 	
            December 26, 2035
 

_______________

	
            (1)
 	
            For purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the Distribution Date in the month following the maturity date for the Mortgage Loan with the latest possible maturity date has been designated as the “latest possible maturity date” for each REMIC 3 Regular Interest.
 

	
            (2)
 	
            This Class of Certificates represents ownership of a “regular interest” in REMIC 3.  Any amount distributed on this Class of Certificates on any Distribution Date in excess of the amount distributable on the related REMIC 3 Regular Interest on such Distribution Date shall be treated for federal income tax purposes as having been paid from the Basis Risk Shortfall Reserve Fund or the Supplemental Interest Trust, as applicable, and any amount distributable on such REMIC 3 regular interest on such Distribution Date in excess of the amount distributable on such Class of Certificates on such Distribution Date shall be treated as having been paid in respect of such certificate and paid by the holder thereof to the Supplemental Interest Trust, all pursuant to and as further provided in Section 4.09 hereof.
 

	
            (3)
 	
            Calculated in accordance with the definition of “Pass-Through Rate” herein.  Each REMIC 3 Regular Interest the ownership of which is represented by a Class A Certificate or Class M Certificate will have the same Pass-Through Rate as such Certificate, except with respect to the Net WAC Rate.  The Net WAC Rate for each such REMIC 3 Regular Interest and Certificate are specified in the definition of Net WAC Rate.
 

	
            (4)
 	
            The Class C Certificates will accrue interest at its variable Pass-Through Rate on the Notional Amount of the Class C Certificates outstanding from time to time which shall equal the aggregate of the Uncertificated Principal Balances of the REMIC 2 Regular Interests (other than REMIC 2 Regular Interest LT-P).  The Class C Certificates will not accrue interest on its Certificate Principal Balance.
 

	
            (5)
 	
            The Class P Certificates do not accrue interest.
 

	
            (6)
 	
            For federal income tax purposes, the Class IO Interest will not have a Pass-Through Rate, but will be entitled to 100% of the amounts distributed on REMIC 2 Regular Interest LT-IO. 
 

	
            (7)
 	
            For federal income tax purposes, the Class IO Interest will not have an Uncertificated Principal Balance, but will have a notional amount equal to the Uncertificated Notional Amount of REMIC 2 Regular Interest IO.  
 

 

 

 

ARTICLE I

 

DEFINITIONS

	
             
  	
            Section 1.01
 	
            Defined Terms.
 

Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Unless otherwise specified, all calculations in respect of interest on the Class A Certificates and the Class M Certificates shall be made on the basis of a 360-day year consisting of the actual number of days in the related Accrual Period. All calculations of interest with regard to the Class C Certificates, Class IO Interest, REMIC 1 Regular Interests and REMIC 2 Regular Interest shall be on the basis of a 360-day year consisting of twelve 30-days months.  The Class P Certificates and Class R Certificates do not accrue interest.

“Accepted Master Servicing Practices”:  With respect to any Mortgage Loan, as applicable, either (x) those customary mortgage master servicing practices of prudent mortgage master servicing institutions that master service mortgage loans of the same type and quality as such Mortgage Loan in the jurisdiction where the related Mortgaged Property is located, to the extent applicable to the Trustee or the Master Servicer (except in its capacity as successor to the Servicer), or (y) as provided in this Agreement, to the extent applicable to the Master Servicer, but in no event below the standard set forth in clause (x).

“Accrual Period”:  With respect to any Distribution Date, the Class I-A Certificates and Class M Certificates, the period commencing on the immediately preceding Distribution Date (or, in the case of the first Distribution Date, the Closing Date) and ending on the day immediately preceding the current Distribution Date.  With respect to any Distribution Date and the Class II-A Certificates and the Class C Certificates, the calendar month preceding the month in which such Distribution Date occurs. The Class P Certificates and Class R Certificates will not accrue any interest and therefore have no Accrual Period.

“Accrued Certificate Interest”:  With respect to the Class A Certificates, Class M Certificates and Class C Certificates and any Distribution Date, the amount of interest accrued during the related Accrual Period at the related Pass-Through Rate on the Certificate Principal Balance (or Notional Amount in the case of the Class C Certificates) of such Class immediately prior to such Distribution Date, in each case, reduced by any Net Prepayment Interest Shortfalls and Relief Act Interest Shortfalls (allocated to such Certificate as set forth in Section 1.03).  The Accrued Certificate Interest on the Class I-A Certificates and Class M Certificates will be calculated on the basis of a 360-day year and the actual number of days in the related Accrual Period.  The Accrued Certificate Interest on the Class II-A Certificates and the Class C Certificates will be calculated on the basis
of a 360-day year consisting of twelve 30-days months.

“Adjustable Rate Mortgage Loans”:  The Mortgage Loans identified in the Mortgage Loan Schedule as having a Mortgage Rate which is adjustable at any point during the life of the related Mortgage, including any Mortgage Loans delivered in replacement thereof.

 

 

“Advance”:  As to any Mortgage Loan, any advance made by the Servicer or the Master Servicer on any Distribution Date pursuant to Section 4.03.

“Affected Party”:  As defined in the Swap Agreement.

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

“Aggregate Stated Principal Balance”:  As of any date of determination, the aggregate Stated Principal Balance of the Mortgage Loans.

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

“Allocated Realized Loss Amount”:  With respect to any Distribution Date and any Class of Class M Certificates and the Class I-A2 Certificates, an amount equal to the sum of any Realized Loss allocated to that class of Certificates on that Distribution Date and any Allocated Realized Loss Amount for that class remaining unpaid from any previous Distribution Date.

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

“Assignment Agreement”:  The Assignment, Assumption and Recognition Agreement, dated as of the Closing Date, among the Company, the Trustee and the Seller, whereby the Servicing Agreement is being assigned to the Trust, and attached hereto as Exhibit K.

“Available Distribution Amount”:  With respect to any Distribution Date and each Sub-Group, an amount equal to the aggregate of the following amounts with respect to the related Mortgage Loans: (a) all previously undistributed payments on account of principal and all previously undistributed payments on account of interest received after the Cut-off Date and on or prior to the related Determination Date, (b) any Advances and Compensating Interest paid by the Servicer or the Master Servicer with respect to such Distribution Date and (c) any reimbursed amount in connection with losses on investments of deposits in an account, except:  (i) all payments that were due on or before the Cut-off Date; (ii) all Principal Prepayments, Liquidation Proceeds and Subsequent Recoveries received after the applicable Prepayment Period; (iii) all payments, other than Principal Prepayments, that
represent early receipt of scheduled payments due on a date or dates subsequent to the related Due Date; (iv) amounts received on particular Mortgage Loans as late payments of principal or interest and respecting which, and to the extent that, there are any unreimbursed Advances; (v) any investment earnings on amounts on deposit in the Custodial Account and the Certificate Account and amounts permitted to be withdrawn from the Custodial Account and the Certificate Account pursuant to this Agreement; (vi) amounts needed to pay the Servicing Fees or to reimburse the Servicer or the Master Servicer for amounts due under the Servicing Agreement and the Agreement to the extent such amounts have not been retained by, or paid previously to, the Servicer or the Master Servicer; (vii) to pay any fees with respect to either Lender-Paid Primary Insurance Policy; (viii) to pay the Class II-A1D2 

 

Premium, including any past due Class II-A1D2 Premium and (ix) any amounts reimbursable to the Trustee, the Master Servicer, the Securities Administrator and the Custodian pursuant to this Agreement.

“Bankruptcy Code”:  The Bankruptcy Code of 1978, as amended.

“Basic Principal Distribution Amount”:  With respect to any Distribution Date, the excess, if any, of (x) the Principal Remittance Amount for such Distribution Date, over (y) the Overcollateralization Release Amount.

“Basis Risk Shortfall”:  With respect to any Class of the Class A Certificates and Class M Certificates, on each Distribution Date where the clause (ii) of the related definition of “Pass-Through Rate” is less than the related clause (i) of the definition of “Pass-Through Rate”, the excess, if any, of (x) the aggregate Accrued Certificate Interest thereon for such Distribution Date calculated pursuant to clause (i) of the definition of “Pass-Through Rate” over (y) interest accrued on the related Mortgage Loans at the related Net WAC Rate.

“Basis Risk Shortfall Carry-Forward Amount”:  With respect to each Class of the Class A Certificates and Class M Certificates and any Distribution Date, as determined separately for each such Class of the Class A Certificates or Class M Certificates, an amount equal to the aggregate amount of Basis Risk Shortfall for such Certificates on such Distribution Date, if any, plus any unpaid Basis Risk Shortfall for such Class of Certificates from prior Distribution Dates, plus interest thereon at the Pass-Through Rate for such Distribution Date, to the extent not previously reimbursed by the Net Monthly Excess Cashflow or the Supplemental Interest Trust.

“Basis Risk Shortfall Reserve Fund”:  A reserve fund established by the Securities Administrator on behalf of the Trustee for the benefit of the Holders of the Class A Certificates and Class M Certificates.  The Basis Risk Shortfall Reserve Fund is an “outside reserve fund” within the meaning of Treasury regulation Section 1.860G-2(h), which is not an asset of any REMIC, ownership of which is evidenced by the Class C Certificates, and which is established and maintained pursuant to Section 4.08.

“Book-Entry Certificate”:  Any Certificate registered in the name of the Depository or its nominee.

“Business Day”:  Any day other than (i) a Saturday or a Sunday, or (ii) a day on which the New York Stock Exchange or Federal Reserve is closed or on which banking institutions in the jurisdiction in which the Trustee, the Master Servicer, the Servicer, any Subservicer or the Corporate Trust Office of the Securities Administrator is located are authorized or obligated by law or executive order to be closed.

“Cash Liquidation”:  As to any defaulted Mortgage Loan other than a Mortgage Loan as to which an REO Acquisition occurred, a determination by the Servicer that it has received all Insurance Proceeds, Liquidation Proceeds and other payments or cash recoveries which the Servicer reasonably and in good faith expects to be finally recoverable with respect to such Mortgage Loan.

“Cenlar”:  Cenlar FSB.

 

 

“Cenlar Servicing Agreement”:  The Servicing Agreement dated March 5, 2004, between Wells Fargo Bank, N.A. as master servicer and Opteum Financial Services, LLC (f/k/a Home Star Mortgage Services, LLC) as seller and servicer.

“Certificate”:  Any Class A, Class M, Class C, Class P or Class R Certificate.

“Certificate Account”:  The trust account or accounts created and maintained pursuant to Section 3.19, which shall be entitled “HSBC Bank USA, National Association, in trust for registered holders of Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5”, and which account or accounts must each be an Eligible Account.

“Certificate Account Deposit Date”:  With respect to any Distribution Date, the Business Day immediately preceding such Distribution Date.

“Certificateholder” or “Holder”:  The Person in whose name a Certificate is registered in the Certificate Register, except that only a Permitted Transferee shall be a holder of a Residual Certificate for any purposes hereof and, solely for the purposes of giving any consent pursuant to this Agreement, any Certificate registered in the name of the Company or the Master Servicer or any affiliate thereof shall be deemed not to be outstanding and the Voting Rights to which such Certificate is entitled shall not be taken into account in determining whether the requisite percentage of Voting Rights necessary to effect any such consent has been obtained, except as otherwise provided in Section 11.01.  The Trustee and the Securities Administrator shall be entitled to rely upon a certification of the Company or the Master Servicer in determining if any Certificates are
registered in the name of the respective affiliate.  All references herein to “Holders” or “Certificateholders” shall reflect the rights of Certificate Owners as they may indirectly exercise such rights through the Depository and participating members thereof, except as otherwise specified herein; provided, however, that the Trustee and the Securities Administrator shall be required to recognize as a “Holder” or “Certificateholder” only the Person in whose name a Certificate is registered in the Certificate Register.

“Certificate Insurer”:  Financial Security Assurance Inc., a subsidiary of Financial Assurance Holdings Ltd., organized and created under the laws of the State of New York, or any successor thereto.

“Certificate Insurer Default”:  As defined in Section 4.11(k). 

“Certificate Margin”:  With respect to the Class I-APT, Class I-A1A, Class I A1B, Class I A1C, Class I A1D, Class I-A2, Class M 1, Class M 2, Class M 3, Class M 4, Class M 5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates and solely for the purposes of the definition of Marker Rate and Maximum Uncertificated Accrued Interest Deferral Amount, the REMIC 2 Regular Interests (other than REMIC 2 Regular Interests LT-AA, LT-ZZ and LT-P), on any Distribution Date prior to the Optional Termination Date, 0.280%, 0.130%, 0.200%, 0.250%, 0.380%, 0.330%, 0.430%, 0.450%, 0.500%, 0.650%, 0.700%, 0.730%, 1.350%, 1.650%, 2.250% and 2.500% per annum, respectively, and on any Distribution Date on and after the Optional Termination Date, 0.560%, 0.260%, 0.400%, 0.500%, 0.760%, 0.660%, 0.645%, 0.675%, 0.750%, 0.975%, 1.050%, 1.095%, 2.025%, 2.475%, 3.375% and 3.750% per
annum, respectively.

 

 

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

“Certificate Principal Balance”:  With respect to any Class of Class A Certificates or Class M Certificates immediately prior to any Distribution Date, the Initial Certificate Principal Balance thereof, plus any Subsequent Recoveries added to the Certificate Principal Balance of such Certificate, reduced by the sum of (a) all amounts actually distributed in respect of principal of such Class and, (b) in the case of a Class M Certificate and Class I-A2 Certificate, Realized Losses allocated thereto on all prior Distribution Dates. Exclusively for the purpose of determining any subrogation rights of the Certificate Insurer arising under Section 4.11, the “Certificate Principal Balance” of the Class II-A1D2 Certificates will not be reduced by the amount of any payment made by the Certificate Insurer in respect of principal on such Certificates under the Class II-A1D2
Policy and the Certificate Insurer shall be subrogated to such amounts, except to the extent such payment has been reimbursed to the Certificate Insurer pursuant to the provisions of this Agreement. With respect to the Class C Certificates as of any date of determination, an amount equal to the excess, if any, of (A) the then aggregate Uncertificated Principal Balances of the REMIC 2 Regular Interests over (B) the then aggregate Certificate Principal Balances of the Class A Certificates, the Class M Certificates and the Class P Certificates then outstanding.

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

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

“Class A Certificate”:  Class I-APT, Class I-A1A, Class I-A1B, Class I-A1C, Class I-A1D, Class I-A2, Class II-A1A, Class II-A1B, Class II-A1C, Class II-A1D1, Class II-A1D2 or Class II-AN Certificates.

“Class C Certificate”:  Any one of the Class C Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-2, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing a REMIC Regular Interest in REMIC 3.

“Class I-A Certificate”:  The Class I-APT, Class I-A1A, Class I-A1B, Class I-A1C, Class I-A1D or Class I-A2 Certificates.

“Class I-A1 Certificate”:  The Class I-A1A, Class I-A1B, Class I-A1C or Class I-A1D Certificates.

“Class I-A1A Certificate”:  Any one of the Class I-A1A Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

 

 

“Class I-A1B Certificate”:  Any one of the Class I-A1B Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class I-A1C Certificate”:  Any one of the Class I-A1C Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class I-A1D Certificate”:  Any one of the Class I-A1D Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class I-APT Certificate”:  Any one of the Class I-APT Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class I-A2 Certificate”:  Any one of the Class I-A2 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class I-A Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the aggregate Certificate Principal Balance of the Class I-A Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Group I Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due on the Group I Loans during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received on the Group I Loans during the related Prepayment Period, and after reduction for Realized Losses on the Group I Loans incurred during the related Prepayment Period) multiplied by 82.10% and (b) the
amount, if any, by which (i) the Aggregate Stated Principal Balance of the Group I Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due on the Group I 

 

Loans during the related Due Period, to the extent received or advanced, and unscheduled collections of principal on the Group I Loans received during the related Prepayment Period, and after reduction for Realized Losses on the Group I Loans incurred during the related Prepayment Period) exceeds (ii) the related Overcollateralization Floor Amount.

“Class II-A Certificate”:  The Class II-A1A, Class II-A1B, Class II-A1C, Class II-A1D1, Class II-A1D2 or Class II-AN Certificates.

“Class II-A1 Certificate”:  The Class II-A1A, Class II-A1B, Class II-A1C, Class II-A1D1, Class II-A1D2 Certificates.

“Class II-A1A Certificate”:  Any one of the Class II-A1A Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class II-A1B Certificate”:  Any one of the Class II-A1B Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class II-A1C Certificate”:  Any one of the Class II-A1C Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class II-A1D Certificates”:  The Class II-A1D1 Certificates and Class II-A1D2 Certificates.

“Class II-A1D1 Certificate”:  Any one of the Class II-A1D1 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class II-A1D2 Certificate”:  Any one of the Class II-A1D2 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

 

 

“Class II-A1D2 Policy”:  The irrevocable Certificate Guaranty Insurance Policy No. 51696-N, including any endorsements thereto, issued by the Certificate Insurer with respect to the Class II-A1D2 Certificates, in the form attached hereto as Exhibit Q.

“Class II-A1D2 Principal Parity Amount”:  With respect to any Distribution Date, the product of (i) the Principal Parity Deficit and (ii) a fraction, the numerator of which is the aggregate of the Certificate Principal Balances of the Class II-A1D2 Certificates, and the denominator of which is the aggregate of the Certificate Principal Balances of all Class A Certificates, in each case on such Distribution Date after giving effect to all distributions to be made on such date.

“Class II-A1D2 Premium”:  With respect to the Class II-A1D2 Policy and any Distribution Date, the amount payable pursuant to that commitment letter dated as of November 23, 2005 between the Certificate Insurer and the Seller. The Class II-A1D2 Premium due on the first Distribution Date is $2,418.61.

“Class II-A Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the aggregate Certificate Principal Balance of the Class II-A Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Group II Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due on the Group II Loans during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received on the Group II Loans during the related Prepayment Period, and after reduction for Realized Losses on the Group II Loans incurred during the related Prepayment Period) multiplied by 82.10% and (b)
the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Group II Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due on the Group II Loans during the related Due Period, to the extent received or advanced, and unscheduled collections of principal on the Group II Loans received during the related Prepayment Period, and after reduction for Realized Losses on the Group II Loans incurred during the related Prepayment Period) exceeds (ii) the related Overcollateralization Floor Amount. 

“Class II-AN Certificate”:  Any one of the Class II-AN Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit A, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class II-AN Certificate”:  With respect to any Distribution Date, an amount equal to the product of (a) a fraction, the numerator of which is the Certificate Principal Balance of the Class II-AN Certificates immediately prior to that Distribution Date and the denominator of which is the aggregate Certificate Principal Balance of the Class II-A Certificates, immediately prior to that Distribution Date and (b) the Class II-A Principal Distribution Amount.

 

 

“Class IO Distribution Amount”:  As defined in Section 4.09 hereof.  For purposes of clarity, the Class IO Distribution Amount for any Distribution Date shall equal the amount payable to the Supplemental Interest Trust on such Distribution Date in excess of the amount payable on the Class IO Interest on such Distribution Date, all as further provided in Section 4.09 hereof.

“Class IO Interest”:  An uncertificated interest in the Trust Fund held by the Trustee, evidencing a REMIC Regular Interest in REMIC 3 for purposes of the REMIC Provisions.

“Class M Certificates”:  The Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates.

“Class M-1 Certificate”:  Any one of the Class M-1 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-1, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class M-1 Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the sum of (i) the aggregate Certificate Principal Balance of the Class A Certificates (after taking into account the distribution of the Class I-A Principal Distribution Amount and the Class II-A Principal Distribution Amount on such Distribution Date) and (ii) the Certificate Principal Balance of the Class M-1 Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled
collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) multiplied by 85.50% and (b) the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) exceeds (ii) the Overcollateralization Floor Amount.

“Class M-2 Certificate”:  Any one of the Class M-2 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-1, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class M-2 Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the sum of (i) the aggregate 

 

Certificate Principal Balance of the Class A Certificates and Class M-1 Certificates (after taking into account the distribution of the Class I-A, Class II-A and Class M-1 Principal Distribution Amounts on such Distribution Date) and (ii) the Certificate Principal Balance of the Class M-2 Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) multiplied by 88.10% and (b) the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last
day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) exceeds (ii) the Overcollateralization Floor Amount.

“Class M-3 Certificate”:  Any one of the Class M-3 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-1, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class M-3 Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the sum of (i) the aggregate Certificate Principal Balance of the Class A, Class M-1 and Class M-2 Certificates (after taking into account the distributions of the Class I-A, Class II-A, Class M-1 and Class M-2 Principal Distribution Amounts on such Distribution Date) and (ii) the Certificate Principal Balance of the Class M-3 Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and
unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) multiplied by 90.00% and (b) the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) exceeds (ii) the Overcollateralization Floor Amount.

“Class M-4 Certificate”:  Any one of the Class M-4 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-1, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

 

 

“Class M-4 Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the sum of (i) the aggregate Certificate Principal Balance of the Class A, Class M-1, Class M-2 and Class M-3 Certificates (after taking into account the distribution of the Class I-A, Class II-A, Class M-1, Class M-2 and Class M-3 Principal Distribution Amounts on such Distribution Date) and (ii) the Certificate Principal Balance of the Class M-4 Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent
received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) multiplied by 91.50% and (b) the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) exceeds (ii) the Overcollateralization Floor Amount.

“Class M-5 Certificate”:  Any one of the Class M-5 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-1, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class M-5 Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the sum of (i) the aggregate Certificate Principal Balance of the Class A, Class M-1, Class M-2, Class M-3 and Class M-4 Certificates (after taking into account the distribution of the Class I-A, Class II-A, Class M-1, Class M-2, Class M-3 and Class M-4 Principal Distribution Amounts on such Distribution Date) and (ii) the Certificate Principal Balance of the Class M-5 Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due
Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) multiplied by 92.80% and (b) the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) exceeds (ii) the Overcollateralization Floor Amount.

“Class M-6 Certificate”:  Any one of the Class M-6 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-1, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the 

 

right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class M-6 Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the sum of (i) the aggregate Certificate Principal Balance of the Class A, Class M-1, Class M-2, Class M-3, Class M-4 and Class M-5 Certificates (after taking into account the distribution of the Class I-A, Class II-A, Class M-1, Class M-2, Class M-3, Class M-4 and Class M-5 Principal Distribution Amounts on such Distribution Date) and (ii) the Certificate Principal Balance of the Class M-6 Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due
during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) multiplied by 94.00% and (b) the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) exceeds (ii) the Overcollateralization Floor Amount.

“Class M-7 Certificate”:  Any one of the Class M-7 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-1, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class M-7 Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the sum of (i) the aggregate Certificate Principal Balance of the Class A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5 and Class M-6 Certificates (after taking into account the distribution of the Class I-A, Class II-A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5 and Class M-6 Principal Distribution Amounts on such Distribution Date) and (ii) the Certificate Principal Balance of the Class M-7 Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments
of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) multiplied by 95.00% and (b) the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related 

 

Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) exceeds (ii) the Overcollateralization Floor Amount.

“Class M-8 Certificate”:  Any one of the Class M-8 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-1, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class M-8 Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the sum of (i) the aggregate Certificate Principal Balance of the Class A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6 and Class M-7 Certificates (after taking into account the distribution of the Class I-A, Class II-A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6 and Class M-7 Principal Distribution Amounts on such Distribution Date) and (ii) the Certificate Principal Balance of the Class M-8 Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) multiplied by 96.00% and (b) the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) exceeds (ii) the Overcollateralization Floor Amount.

“Class M-9 Certificate”:  Any one of the Class M-9 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-1, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class M-9 Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the sum of (i) the aggregate Certificate Principal Balance of the Class A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7 and Class M-8 Certificates (after taking into account the distribution of the Class I-A, Class II-A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7 and Class M-8 Principal Distribution Amounts on such Distribution Date) and (ii) the Certificate Principal Balance of the Class M-9 Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period
(after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and 

 

unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) multiplied by 97.00% and (b) the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) exceeds (ii) the Overcollateralization Floor Amount.

“Class M-10 Certificate”:  Any one of the Class M-10 Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-1, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing (i) a REMIC Regular Interest in REMIC 3, (ii) the right to receive the related Basis Risk Shortfall Carry-Forward Amount and (iii) the obligation to pay any Class IO Distribution Amount.

“Class M-10 Principal Distribution Amount”:  For any applicable Distribution Date on or after the Stepdown Date as long as a Trigger Event has not occurred with respect to such Distribution Date, an amount equal to the excess (if any) of (x) the sum of (i) the aggregate Certificate Principal Balance of the Class A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8 and Class M-9 Certificates (after taking into account the distribution of the Class I-A, Class II-A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8 and Class M-9 Principal Distribution Amounts on such Distribution Date) and (ii) the Certificate Principal Balance of the Class M-10 Certificates immediately prior to such Distribution Date over (y) the lesser of (a) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day
of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) multiplied by 98.30% and (b) the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period, and after reduction for Realized Losses incurred during the related Prepayment Period) exceeds (ii) the Overcollateralization Floor Amount.

“Class P Certificate”:  Any one of the Class P Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-3, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, representing the right to distributions as set forth herein and therein and evidencing a REMIC Regular Interest in REMIC 3.

“Class R Certificate”:  Any one of the Class R Certificates as designated on the face thereof substantially in the form annexed hereto as Exhibit B-4, executed by the Securities Administrator and authenticated and delivered by the Securities Administrator, evidencing the ownership of the Class R-1 Interest, Class R-2 Interest and Class R-3 Interest.

 

 

“Class R-1 Interest”:  The uncertificated Residual Interest in REMIC 1.

“Class R-2 Interest”:  The uncertificated Residual Interest in REMIC 2.

“Class R-3 Interest”:  The uncertificated Residual Interest in REMIC 3.

“Closing Date”:  November 29, 2005.

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

“Collateral Value”:  The appraised value of a Mortgaged Property based upon the lesser of (i) the appraisal made at the time of the origination of the related Mortgage Loan, or (ii) the sales price of such Mortgaged Property at such time of origination.  With respect to a Mortgage Loan the proceeds of which were used to refinance an existing mortgage loan, the appraised value of the Mortgaged Property based upon the appraisal obtained at the time of refinancing.

“Commission”:  The Securities and Exchange Commission.

“Company”:  Opteum Mortgage Acceptance Corporation, or its successor in interest.

“Compensating Interest”:  With respect to any Distribution Date, an amount equal to Prepayment Interest Shortfalls resulting from Principal Prepayments during the related Prepayment Period, but not more than the Servicing Fees for the immediately preceding Due Period.

“Corporate Trust Office”:  With respect to the Trustee, the principal corporate trust office of the Trustee at which at any particular time its corporate trust business related to this Agreement shall be administered, which office at the date of the execution of this Agreement is located at 452 Fifth Avenue, New York, New York 10018, Attention:  Corporate Trust Services - Opteum, and with respect to the Securities Administrator, for Certificate transfer purposes, Wells Fargo Center, Sixth Street and Marquette Avenue, Minneapolis, Minnesota 55479, Attn:  Corporate Trust Services – Opteum 2005-5, and for all other purposes, 9062 Old Annapolis Road, Columbia, Maryland, 21045, Attn:  Corporate Trust Services – Opteum 2005-5.

“Corresponding Certificate”:  With respect to:

	
             
 	
            (i)
 	
            REMIC 2 Regular Interest LT-I-APT, the Class I-APT Certificates,
 

	
             
 	
            (ii)
 	
            REMIC 2 Regular Interest LT-I-A1A, the Class I-A1A Certificates,
 

	
             
 	
            (iii)
 	
            REMIC 2 Regular Interest LT-I-A1B, the Class I-A1B Certificates,
 

	
             
 	
            (iv)
 	
            REMIC 2 Regular Interest LT-I-A1C, the Class I-A1C Certificates,
 

	
             
 	
            (v)
 	
            REMIC 2 Regular Interest LT-I-AID, the Class I-AID Certificates,
 

	
             
 	
            (vi)
 	
            REMIC 2 Regular Interest LT-I-A2, the Class I-A2 Certificates,
 

	
             
 	
            (vii)
 	
            REMIC 2 Regular Interest LT-II-A1A, the Class II-A1A Certificates,
 

 

 

	
             
 	
            (viii)
 	
            REMIC 2 Regular Interest LT-II-A1B, the Class II-A1B Certificates,
 

	
             
 	
            (ix)
 	
            REMIC 2 Regular Interest LT-II-A1C, the Class II-A1C Certificates,
 

	
             
 	
            (x)
 	
            REMIC 2 Regular Interest LT-II-AID1, the Class II-AID1 Certificates,
 

	
             
 	
            (xi)
 	
            REMIC 2 Regular Interest LT-II-AID2, the Class II-AID2 Certificates,
 

	
             
 	
            (xii)
 	
            REMIC 2 Regular Interest LT-II-AN, the Class II-AN Certificates,
 

	
             
 	
            (xiii)
 	
            REMIC 2 Regular Interest LT-M1, the Class M-1 Certificates,
 

	
             
 	
            (xiv)
 	
            REMIC 2 Regular Interest LT-M2, the Class M-2 Certificates,
 

	
             
 	
            (xv)
 	
            REMIC 2 Regular Interest LT-M3, the Class M-3 Certificates,
 

	
             
 	
            (xvi)
 	
            REMIC 2 Regular Interest LT-M4, the Class M-4 Certificates,
 

	
             
 	
            (xvii)
 	
            REMIC 2 Regular Interest LT-M5, the Class M-5 Certificates,
 

	
             
 	
            (xviii)
 	
            REMIC 2 Regular Interest LT-M6, the Class M-6 Certificates,
 

	
             
 	
            (xix)
 	
            REMIC 2 Regular Interest LT-M7, the Class M-7 Certificates,
 

	
             
 	
            (xx)
 	
            REMIC 2 Regular Interest LT-M8, the Class M-8 Certificates;
 

	
             
 	
            (xxi)
 	
            REMIC 2 Regular Interest LT-M9, the Class M-9 Certificates;
 

	
             
 	
            (xxii)
 	
            REMIC 2 Regular Interest LT-M10, the Class M-10 Certificates; and
 

	
             
 	
            (xxiii)
 	
            REMIC 2 Regular Interest LT-P, the Class P Certificates.
 

“Credit Support Depletion Date”:  Any Distribution Date on which the aggregate Certificate Principal Balance of the Class M Certificates and the Class I-A2 Certificates has been reduced to zero.

“Curtailment”:  Any Principal Prepayment made by a Mortgagor which is not a Principal Prepayment in Full.

“Custodial Account”:  The custodial account or accounts created and maintained by the Master Servicer pursuant to Section 3.17 in the name of a depository institution, as custodian for the Holders of the Certificates.  Any such account or accounts shall be an Eligible Account.

“Custodial Agreement”:  An agreement, dated as of the Closing Date among the Company, the Master Servicer, the Trustee and the Custodian in substantially the form of Exhibit N hereto.

“Custodian”:  JP Morgan Chase Bank, National Association, or any successor custodian appointed pursuant to the provisions hereof and of the Custodial Agreement.

 

 

“Cut-off Date”:  November 1, 2005.

“Defaulting Party”:  As defined in the Swap Agreement.

“Deficient Valuation”:  With respect to any Mortgage Loan, a valuation by a court of competent jurisdiction of the Mortgaged Property in an amount less than the then outstanding indebtedness under the Mortgage Loan, or any reduction in the amount of principal to be paid in connection with any scheduled Monthly Payment that constitutes a permanent forgiveness of principal, which valuation or reduction results from a proceeding under the Bankruptcy Code.

“Definitive Certificate”:  Any definitive, fully registered Certificate.

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

“Delinquent”:  A Mortgage Loan is “delinquent” if any payment due thereon is not made pursuant to the terms of such Mortgage Loan by the close of business on the day such payment is scheduled to be due. A Mortgage Loan is “30 days delinquent” if such payment has not been received by the close of business on the corresponding day of the month immediately succeeding the month in which such payment was due, or, if there is no such corresponding day (e.g., as when a 30-day month follows a 31-day month in which a payment was due on the 31st day of such month), then on the last day of such immediately succeeding month. Similarly for “60 days delinquent,” “90 days delinquent” and so on.

“Depository”:  The Depository Trust Company, or any successor Depository hereafter named.  The nominee of the initial Depository for purposes of registering those Certificates that are to be Book-Entry Certificates is Cede & Co.  The Depository shall at all times be a “clearing corporation” as defined in Section 8-102(5) of the Uniform Commercial Code of the State of New York and a “clearing agency” registered pursuant to the provisions of Section 17A of the Securities Exchange Act of 1934, as amended.

“Depository Participant”:  A broker, dealer, bank or other financial institutions or other Person for whom from time to time a Depository effects book-entry transfers and pledges of securities deposited with the Depository.

“Determination Date”:  The 15th day (or if such 15th day is not a Business Day, the Business Day immediately preceding such 15th day) of the month of the related Distribution Date.

“Disqualified Organization”:  Any organization defined as a “disqualified organization” under Section 860E(e)(5) of the Code, which includes any of the following:  (i) the United States, any State or political subdivision thereof, any possession of the United States, or any agency or instrumentality of any of the foregoing (other than an instrumentality which is a corporation if all of its activities are subject to tax and, except for the Freddie Mac, a majority of its board of directors is not selected by such governmental unit), (ii) a foreign government, any international organization, or any agency or instrumentality of any of the foregoing, (iii) any organization (other than certain farmers’ cooperatives described in Section 521 of the Code) which is exempt from the tax imposed by Chapter 1 of the Code (including the tax imposed by 

 

Section 511 of the Code on unrelated business taxable income), (iv) rural electric and telephone cooperatives described in Section 1381(a)(2)(C) of the Code and (v) any other Person so designated by the Securities Administrator based upon an Opinion of Counsel that the holding of an Ownership Interest in a Residual Certificate by such Person may cause any REMIC or any Person having an Ownership Interest in any Class of Certificates (other than such Person) to incur a liability for any federal tax imposed under the Code that would not otherwise be imposed but for the Transfer of an Ownership Interest in a Residual Certificate to such Person.  The terms “United States”, “State” and “international organization” shall have the meanings set forth in Section 7701 of the Code or successor provisions.

“Distribution Date”:  The 25th day of any month, or if such 25th day is not a Business Day, the Business Day immediately following such 25th day, commencing in December 2005.

“Due Date”:  With respect to all of the Mortgage Loans, the first day of the month.

“Due Period”:  With respect to any Distribution Date, the period commencing on the second day of the month preceding the month of such Distribution Date (or, with respect to the first Due Period, the day following the Cut-off Date) and ending on the first day of the month of the related Distribution Date.

“EDGAR”:  The Electronic Data Gathering and Retrieval System of the Commission.

“Eligible Account”:  Any of (i) a segregated account maintained with a federal or state chartered depository institution (A) the short-term obligations of which are rated A-1+ or better by Standard & Poor’s and P-1 by Moody’s at the time of any deposit therein or (B) insured by the FDIC (to the limits established by such Corporation), the uninsured deposits in which account are otherwise secured such that, as evidenced by an Opinion of Counsel (obtained by the Person requesting that the account be held pursuant to this clause (ii)) delivered to the Trustee prior to the establishment of such account, the Certificateholders will have a claim with respect to the funds in such account and a perfected first priority security interest against any collateral (which shall be limited to Permitted Investments, each of which shall mature not later than the Business Day
immediately preceding the Distribution Date next following the date of investment in such collateral or the Distribution Date if such Permitted Investment is an obligation of the institution that maintains the Certificate Account or Custodial Account) securing such funds that is superior to claims of any other depositors or general creditors of the depository institution with which such account is maintained, (ii) a segregated trust account or accounts maintained with a federal or state chartered depository institution or trust company subject to regulations regarding fiduciary funds on deposit similar to Title 12 of the Code of Federal Regulations Section 9.10(b), which, in either case, has corporate trust powers, acting in its fiduciary capacity or (iii) a segregated account or accounts of a depository institution acceptable to the Rating Agencies (as evidenced in writing by a letter from the Rating Agencies to the Trustee that use of any such account as the Custodial Account or the
Certificate Account will not have an adverse effect on the then-current ratings assigned to the Classes of the Certificates then rated by the Rating Agencies).  Eligible Accounts may bear interest.

“ERISA Restricted Certificates”:  The Class C, Class P and Class R Certificates.

 

 

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

“Exchange Act”:  The Securities Exchange Act of 1934, as amended, and the rules and regulations promulgated thereunder.

“Extra Principal Distribution Amount”:  With respect to any Distribution Date, is the lesser of (x) the Overcollateralization Deficiency Amount for such Distribution Date and (y) the sum of (i) the Net Monthly Excess Cashflow Amount for such Distribution Date and (ii) amounts available from the Supplemental Interest Trust to pay principal as provided in Section 4.01(g)(2).

“Fannie Mae”:  Federal National Mortgage Association or any successor.

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

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

“Fixed Rate Mortgage Loans”:  The Mortgage Loans identified in the Mortgage Loan Schedule as having a Mortgage Rate which is fixed for the life of the related Mortgage, including any Mortgage Loans delivered in replacement thereof.

“Freddie Mac”:  Federal Home Loan Mortgage Corporation or any successor.

“Group I Loans”:  The Mortgage Loans designated as Group I Loans on the Mortgage Loan Schedule.

“Group II Loans”:  The Mortgage Loans designated as Group II Loans on the Mortgage Loan Schedule.

“Guaranteed Distributions”:  The meaning assigned to such term in the Class II-A1D2 Policy.

“Indenture”:  the Indenture, dated as of December 2, 2005, among Opteum NIM Trust 2005-5, as issuer, Wells Fargo Bank, N.A., a national banking association, not in its individual capacity, but solely as Note Administrator, and HSBC Bank USA, National Association, not in its individual capacity, but solely as Indenture Trustee.

“Indenture Trustee”:  The Indenture Trustee as defined in the Indenture.

“Initial Certificate Principal Balance”:  With respect to each Class of Regular Certificates, the Initial Certificate Principal Balance of such Class of Certificates as set forth in the Preliminary Statement hereto, or with respect to any single Certificate, the Initial Certificate Principal Balance as stated on the face thereof.

“Initial Notional Amount”:  With respect to any Class C Certificates, the aggregate of the initial Uncertificated Principal Balance of the REMIC 2 Regular Interests (other than REMIC 2 Regular Interest LT-P).

 

 

“Insurance Policy”:  With respect to any Mortgage Loan, any insurance policy (including the Lender-Paid Primary Insurance Policy) which is required to be maintained from time to time under this Agreement in respect of such Mortgage Loan.

“Insurance Proceeds”:  Proceeds paid in respect of the Mortgage Loans pursuant to any Insurance Policy, to the extent such proceeds are payable to the mortgagee under the Mortgage, any Subservicer, the Master Servicer or the Trustee and are not applied to the restoration of the related Mortgaged Property or released to the Mortgagor in accordance with the procedures that the Master Servicer would follow in servicing mortgage loans held for its own account.

“Interest Carry Forward Amount”:  With respect to each Class of the Class A Certificates and Class M Certificates and each Distribution Date, the excess of (a) the Accrued Certificate Interest for such Class with respect to prior Distribution Dates, over (b) the amount actually distributed to such Class with respect to interest on such prior Distribution Dates, with interest on such excess at the related Pass-Through Rate.

“Interest Determination Date”:  With respect to the first Accrual Period, the second LIBOR Business Day preceding the Closing Date, and with respect to each Accrual Period thereafter, the second LIBOR Business Day preceding the related Distribution Date on which such Accrual Period commences.

“Interest Remittance Amount”:  With respect to any Distribution Date, that portion of the Available Distribution Amount for such Distribution Date allocable to interest received or advanced on the Mortgage Loans in the related Sub-Group, less an amount equal to the product of (x) any Net Swap Payment or Swap Termination Payment (not due to a Swap Provider Trigger Event) deposited in the Supplemental Interest Trust for payment to the Swap Provider and (y) a fraction, the numerator of which is equal to the aggregate Stated Principal Balance of the Mortgage Loans in the related Sub-Group as of the first day of the related Due Period and the denominator of which is equal to the aggregate Stated Principal Balance of the Mortgage Loans in the related Sub-Group as of the first day of the related Due Period.

“Late Collections”:  With respect to any Mortgage Loan, all amounts received during any Due Period, whether as late payments of Monthly Payments or as Insurance Proceeds, Liquidation Proceeds or otherwise, which represent late payments or collections of Monthly Payments due but delinquent for a previous Due Period and not previously recovered.

“Lender-Paid Insured Loans”:  The Mortgage Loans included in the Trust Fund covered by the Lender-Paid Primary Insurance Policy, as applicable, as indicated on the Mortgage Loan Schedule.

“Lender-Paid Primary Insurance Policy”:  The lender-paid Primary Insurance Policy issued by United Guaranty Corporation, as assigned to the Trust on the Closing Date, or any replacement policy therefore.

“Lender-Paid Primary Insurance Rate”:  With respect to any Lender-Paid Insured Loan covered by the Lender-Paid Primary Insurance Policy, the rate per annum at which the premium on the Lender-Paid Primary Insurance Policy accrues.

 

 

“LIBOR”:  With respect to any Distribution Date and the Pass-Through Rates on the Offered Certificates and the Class M-10 Certificates, the arithmetic mean of the Loan interbank offered rate quotations of reference banks (which will be selected by the Securities Administrator) for one-month U.S. dollar deposits, expressed on a per annum basis, determined in accordance with Section 1.02.

“LIBOR Business Day”:  A day on which banks are open for dealing in foreign currency and exchange in London and New York City.

“Liquidated Mortgage Loan”:  As to any Distribution Date, any Mortgage Loan in respect of which the Servicer has determined, in accordance with the servicing procedures specified in the Servicing Agreement, as of the end of the related Prepayment Period, that all Liquidation Proceeds which it expects to recover with respect to the liquidation of the Mortgage Loan or disposition of the related REO Property have been recovered.

“Liquidation Proceeds”:  Amounts (other than Insurance Proceeds) received by the Servicer or Master Servicer in connection with the taking of an entire Mortgaged Property by exercise of the power of eminent domain or condemnation or in connection with the liquidation of a defaulted Mortgage Loan through trustee’s sale, foreclosure sale or otherwise and any Subsequent Recoveries, other than amounts received in respect of any REO Property.

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

“Lockout Distribution Amount”:  With respect to any Distribution Date, the least of (i) the product of (a) the Lockout Percentage for that Distribution Date and (b) the Class II-AN Pro Rata Distribution Amount for such Distribution Date, (ii) the Class II-A Principal Distribution Amount, and (iii) the Certificate Principal Balance of the Class II-AN Certificates for such Distribution Date. 

“Lockout Percentage”:  For each Distribution Date will be as follows: 

	
            
Distribution Date
 
 	
            
Lockout Percentage
 
 
	
            1st to 36th
 	
            0%
 
	
            37th to 60th 
 	
            45%
 
	
            61st to 72nd 
 	
            80%
 
	
            73rd to 84th 
 	
            100%
 
	
            85th and thereafter
 	
            300%
 

 

“Lost Note Affidavit”:  With respect to any Mortgage Loan as to which the original Mortgage Note has been permanently lost, misplaced or destroyed and has not been replaced, an affidavit from the Seller certifying that the original Mortgage Note has been lost, misplaced or destroyed (together with a copy of the related Mortgage Note) and indemnifying the Trust Fund against any loss, cost or liability resulting from the failure to deliver the original Mortgage Note in the form of Exhibit J hereto.

 

 

“Majority Class C Certificateholder”:  With respect to the Class C Certificates and any Distribution Date, the Holder of a 50.01% or greater Percentage Interest of the Class C Certificates.

“Marker Rate”:  With respect to the Class C Certificates and any Distribution Date, a per annum rate equal to two (2) times the weighted average of the Uncertificated REMIC 2 Pass-Through Rates for each REMIC 2 Regular Interest (other than REMIC 2 Regular Interest LT-AA, LT-1SUB, LT-1GRP, LT-2SUB, LT-2GRP, LT-XX, LT-IO and LT-P) subject to a cap (for each such REMIC 2 Regular Interest other than REMIC 2 Regular Interest LT-ZZ) equal to the Pass-Through Rate for the REMIC 3 Regular Interest the ownership of which is represented by the Corresponding Certificate for the purpose of this calculation; with the rate on REMIC 2 Regular Interest LT-ZZ subject to a cap of zero for the purpose of this calculation;  provided, however, that solely for this purpose, calculations of the Uncertificated REMIC 2 Pass-Through Rate and the related caps with respect to REMIC 2 Regular Interest
LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9 and REMIC 2 Regular Interest LT-M10 shall be multiplied by a fraction, the numerator of which is the actual number of days in the Interest Accrual Period and the denominator of which is 30.

“Master Servicer”:  Wells Fargo Bank, N.A., or any successor master servicer appointed as herein provided.

“Maximum Uncertificated Accrued Interest Deferral Amount”:  With respect to any Distribution Date, the excess of (a) accrued interest at the Uncertificated REMIC 2 Pass-Through Rate applicable to REMIC 2 Regular Interest LT-ZZ for such Distribution Date on a balance equal to the excess of (i) the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-ZZ over (ii) the REMIC 2 Overcollateralized Amount, in each case for such Distribution Date over (b) the sum of (I) Uncertificated Accrued Interest on REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular
Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9 and REMIC 2 Regular Interest LT-M10 with the rate on each such REMIC 2 Regular Interest subject to a cap equal to the Pass-Through Rate for the REMIC 3 Regular Interest the ownership of which is represented by the Corresponding Certificate; provided, however, that solely for this purpose, calculations of the Uncertificated REMIC 2 Pass-Through Rate and the related caps with respect to REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-M1, 

 

REMIC 2 Regular Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9 and REMIC 2 Regular Interest LT-M10 shall be multiplied by a fraction, the numerator of which is the actual number of days in the Interest Accrual Period and the denominator of which is 30.

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

“MERS® System”:  The system of recording transfers of Mortgages electronically maintained by MERS.

“MIN”:  The Mortgage Identification Number for Mortgage Loans registered with MERS on the MERS® System.

“MOM Loan”:  With respect to any Mortgage Loan, MERS acting as the mortgagee of such Mortgage Loan, solely as nominee for the originator of such Mortgage Loan and its successors and assigns, at the origination thereof.

“Monthly Payment”:  With respect to any Mortgage Loan, the scheduled monthly payment of principal and interest on such Mortgage Loan which is payable by a Mortgagor from time to time under the related Mortgage Note as originally executed (after adjustment, if any, for Deficient Valuations occurring prior to such Due Date, and after any adjustment by reason of any bankruptcy or similar proceeding or any moratorium or similar waiver or grace period).

“Moody’s”:  Moody’s Investors Service, Inc., or its successor in interest.

“Mortgage”:  The mortgage, deed of trust or any other instrument securing the Mortgage Loan.

“Mortgage File”:  The mortgage documents listed in Section 2.01 pertaining to a particular Mortgage Loan and any additional documents required to be added to the Mortgage File pursuant to this Agreement; provided, that whenever the term “Mortgage File” is used to refer to documents actually received by the Custodian as agent for the Trustee, such term shall not be deemed to include such additional documents required to be added unless they are actually so added.

“Mortgage Loan”:  Each of the mortgage loans, transferred and assigned to the Trustee pursuant to Section 2.01 or 2.04 and from time to time held in the Trust Fund (including any Qualified Substitute Mortgage Loans), the Mortgage Loans so transferred, assigned and held being identified in the Mortgage Loan Schedule.  As used herein, the term “Mortgage Loan” includes the related Mortgage Note and Mortgage.

“Mortgage Loan Purchase Agreement”:  The Mortgage Loan Purchase Agreement dated as the Cut-off Date, between Opteum Financial Services, LLC as seller and the Company as purchaser, and all amendments thereof and supplements thereto, a form of which is attached hereto as Exhibit P.

 

 

“Mortgage Loan Schedule”:  As of any date of determination, the schedule of Mortgage Loans included in the Trust Fund.  The initial schedule of Mortgage Loans with accompanying information transferred on the Closing Date to the Trustee as part of the Trust Fund for the Certificates, attached hereto as Exhibit H (as amended from time to time to reflect the addition of Qualified Substitute Mortgage Loans) (and, for purposes of the Trustee pursuant to Section 2.02, in computer-readable form as delivered to the Trustee), which list shall set forth the following information with respect to each Mortgage Loan:

	
             
 	
            (i)
 	
            the loan number;
 

	
             
 	
            (ii)
 	
            the city, state and zip code of the Mortgaged Property;
 

	
             
 	
            (iii)
 	
            the original term to maturity;
 

	
             
 	
            (iv)
 	
            the original principal balance and the original Mortgage Rate;
 

	
             
 	
            (v)
 	
            the first Distribution Date;
 

	
             
 	
            (vi)
 	
            [reserved];
 

	
             
 	
            (vii)
 	
            the type of Mortgaged Property;
 

	
             
 	
            (viii)
 	
            the Monthly Payment in effect as of the Cut-off Date;
 

	
             
 	
            (ix)
 	
            the principal balance as of the Cut-off Date;
 

	
             
 	
            (x)
 	
            the Mortgage Rate as of the Cut-off Date;
 

	
             
 	
            (xi)
 	
            the occupancy status;
 

	
             
 	
            (xii)
 	
            the purpose of the Mortgage Loan;
 

	
             
 	
            (xiii)
 	
            the Collateral Value of the Mortgaged Property;
 

	
             
 	
            (xiv)
 	
            the original term to maturity;
 

	
             
 	
            (xv)
 	
            the paid-through date of the Mortgage Loan;
 

	
             
 	
            (xvi)
 	
            [reserved];
 

	
             
 	
            (xvii)
 	
            the Servicing Fee Rate;
 

	
             
 	
            (xviii)
 	
            the Net Mortgage Rate for such Mortgage Loan;
 

	
             
 	
            (xix)
 	
            whether the Mortgage Loan is covered by a private mortgage insurance policy or an original certificate of private mortgage insurance;
 

	
             
 	
            (xx)
 	
            the documentation type;
 

 

 

	
             
 	
            (xxi)
 	
            the type and term of the related Prepayment Charge, if any;
 

	
             
 	
            (xxii)
 	
            whether such Mortgage Loan is a Lender-Paid Insured Loan and, if so, the Lender-Paid Primary Insurance Rate;
 

	
             
 	
            (xxiii)
 	
            with respect to each Adjustable Rate Mortgage Loan.
 

	
             
 	
            (a)
 	
            the frequency of each adjustment date;
 

	
             
 	
            (b)
 	
            the next adjustment date;
 

	
             
 	
            (c)
 	
            the Maximum Mortgage Rate;
 

	
             
 	
            (d)
 	
            the Minimum Mortgage Rate;
 

	
             
 	
            (e)
 	
            the Mortgage Rate as of the Cut-off Date;
 

	
             
 	
            (f)
 	
            the related Periodic Rate Cap;
 

	
             
 	
            (g)
 	
            the Gross Margin; and
 

	
             
 	
            (h)
 	
            the purpose of the Mortgage Loan.
 

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

“Mortgage Rate”:  With respect to any Mortgage Loan, the annual rate at which interest accrues on such Mortgage Loan, as adjusted from time to time in accordance with the provisions of the Mortgage Note.

“Mortgaged Property”:  The underlying property securing a Mortgage Loan.

“Mortgagor”:  The obligor or obligors on a Mortgage Note.

“Net Liquidation Proceeds”:  With respect to any Liquidated Mortgage Loan or any other disposition of related Mortgaged Property (including REO Property) the related Liquidation Proceeds net of Advances, Servicing Advances, Servicing Fees and any other accrued and unpaid servicing fees received and retained in connection with the liquidation of such Mortgage Loan or Mortgaged Property.

“Net Monthly Excess Cashflow”:  For any Distribution Date, the excess of (x) the Available Distribution Amount for such Distribution Date over (y) the sum for such Distribution Date of (A) the aggregate Accrued Certificate Interest for the Class A Certificates and Class M Certificates, (B) the aggregate Interest Carry Forward Amount for the Class A Certificates and (C) the Principal Remittance Amount.

“Net Mortgage Rate”:  With respect to each Mortgage Loan Due Date, a per annum rate of interest equal to the then-applicable Mortgage Rate on such Mortgage Loan less the sum of (i) 

 

the Servicing Fee Rate and (ii) with respect to the related Lender-Paid Insured Loans, the Lender-Paid Primary Insurance Rate.

“Net Prepayment Interest Shortfall”:  With respect to any Distribution Date, the excess, if any, of any Prepayment Interest Shortfalls for such date over the related Compensating Interest.

“Net Swap Payment”:  With respect to each Distribution Date, the net payment required to be made pursuant to the terms of the Swap Agreement by either the Swap Provider or the Supplemental Interest Trust, which net payment shall not take into account any Swap Termination Payment.

“Net WAC Rate”:  With respect to any Distribution Date and (1) the Class I-A Certificates, a per annum rate equal to (x) the excess, if any, of (A) the weighted average of the Net Mortgage Rates of the Group I Loans as of the first day of the calendar month preceding the month in which such Distribution Date occurs over (B) the sum of (i) a per annum rate equal to the Net Swap Payment payable to the Swap Provider on such Distribution Date multiplied by 12, and (ii) any Swap Termination Payment not due to a Swap Provider Trigger Event payable to the Swap Provider on such Distribution Date, divided by the outstanding Stated Principal Balance of the Mortgage Loans as of the first day of the calendar month preceding the month in which the Distribution Date occurs multiplied by 12, multiplied by (y) a fraction equal to 30 divided by the number of days in the related Accrual Period;
(2) the Class II-A Certificates, the weighted average of the Net Mortgage Rates of the Group II Loans as of the first day of the calendar month preceding the month in which such Distribution Date occurs, minus solely with respect to the Class II-A1D2 Certificates, the premium payable to the Certificate Insurer; and (3) the Class M Certificates, the weighted average of (in each case, weighted on the basis of the results of subtracting from the aggregate Stated Principal Balance of the Mortgage Loans of each Sub-Group the Certificate Principal Balance of the related Class A Certificates) the Net WAC Rate for the Class I-A Certificates and the Class II-A Certificates. For purposes of the Net WAC Rate with respect to the Class M Certificates, the Net WAC Rate for Class II-A Certificates will be multiplied by a fraction equal to 30 divided by the actual number of days in the Accrual Period for the Class M Certificates. With respect to any Distribution Date and the REMIC 3 Regular Interests
the ownership of which is represented by the Class I-A Certificates, the weighted average (adjusted for the actual number of days elapsed in the related Accrual Period) of the Uncertificated REMIC 2 Pass-Through Rate on REMIC 2 Regular Interest LT-1GRP, weighted on the basis of the Uncertificated Principal Balance of such REMIC 2 Regular Interest immediately prior to such Distribution Date.  With respect to any Distribution Date and the REMIC 3 Regular Interests the ownership of which is represented by the Class II-A Certificates, the weighted average (adjusted for the actual number of days elapsed in the related Accrual Period) of the Uncertificated REMIC 2 Pass-Through Rate on REMIC 2 Regular Interest LT-2GRP, weighted on the basis of the Uncertificated Principal Balance of such REMIC 3 Regular Interest immediately prior to such Distribution Date.  With respect to any Distribution Date and the REMIC 3 Regular Interests the ownership of which is represented by the Class M
Certificates, a per annum rate equal to the weighted average (adjusted for the actual number of days elapsed in the related Accrual Period) of the Uncertificated REMIC 2 Pass-Through Rates on (a) REMIC 2 Regular Interest LT-1SUB, subject to a cap and a floor equal to the Uncertificated REMIC 2 Pass-Through Rate on REMIC 3 Regular Interest LT-1GRP and (b) REMIC 2 Regular Interest LT-2SUB, subject to a cap and a floor equal to the Uncertificated 

 

REMIC 2 Pass-Through Rate on REMIC 2 Regular Interest LT-2GRP, in each case as determined for such Distribution Date, weighted on the basis of the Uncertificated Principal Balance of each such REMIC 2 Regular Interest immediately prior to such Distribution Date.

“Nonrecoverable Advance”:  Any Advance or Servicing Advance previously made or proposed to be made in respect of a Mortgage Loan which, in the good faith judgment of the Servicer or the Master Servicer, will not or, in the case of a proposed Advance or Servicing Advance, would not be ultimately recoverable from related Late Collections, Insurance Proceeds, Liquidation Proceeds or REO Proceeds.  The determination by the Servicer or the Master Servicer that it has made a Nonrecoverable Advance or that any proposed Advance or Servicing Advance would constitute a Nonrecoverable Advance, shall be evidenced by a certificate of a Servicing Officer delivered, in the case of the Servicer, to the Company and the Master Servicer, and in the case of the Master Servicer, to the Company and the Trustee.

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

“Note Account”:  The Note Account as defined in the Indenture.  

“Note Administrator”:  The Note Administrator as defined in the Indenture.

“Notional Amount”:  With respect to the Class C Certificates, immediately prior to any Distribution Date, the aggregate of the Uncertificated Principal Balances of the REMIC 2 Regular Interests, other than REMIC 2 Regular Interest LT-P.

“Offered Certificates”:  The Class A Certificates and Class M Certificates (except for the Class M-10 Certificates).

“Officers’ Certificate”:  A certificate signed by the Chairman of the Board, the Vice Chairman of the Board, the President or a vice president and by the Treasurer, the Secretary, or one of the assistant treasurers or assistant secretaries of the Company, the Seller, the Master Servicer or of any Subservicer and delivered to the Company and Trustee.

“Opinion of Counsel”:  A written opinion of counsel, who may be counsel for the Company, the Seller, or the Master Servicer, reasonably acceptable to the Trustee and Securities Administrator; except that any opinion of counsel relating to (a) the qualification of any account required to be maintained pursuant to this Agreement as an Eligible Account, (b) the qualification of each REMIC  as a REMICs, (c) compliance with the REMIC Provisions or (d) resignation of the Master Servicer pursuant to Section 6.04 must be an opinion of counsel who (i) is in fact independent of the Company and the Master Servicer, (ii) does not have any direct financial interest or any material indirect financial interest in the Company or the Master Servicer or in an affiliate of either and (iii) is not connected with the Company or the Master Servicer as an officer, employee, director or person
performing similar functions.

“Optional Termination Date”:  The first Distribution Date following the first Distribution Date on which the Aggregate Stated Principal Balance of the Mortgage Loans, and properties acquired in respect thereof, remaining in the Trust Fund has been reduced to less than or equal to 10% of the Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.

 

 

“OTS”:  Office of Thrift Supervision or any successor.

“Outstanding Mortgage Loan”:  As to any Due Date, a Mortgage Loan (including an REO Property) which was not the subject of a Principal Prepayment in Full, Cash Liquidation or REO Disposition and which was not purchased prior to such Due Date pursuant to Sections 2.02, 2.04 or 3.14.

“Overcollateralization Deficiency Amount”:  With respect to any Distribution Date, the amount, if any, by which the Overcollateralization Target Amount exceeds the Overcollateralized Amount (calculated for the purpose of this definition only, solely after giving effect to distributions in respect of the Principal Remittance Amount on such Distribution Date) on such Distribution Date.

“Overcollateralization Floor Amount”:  An amount equal to approximately 0.50% of the Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.

“Overcollateralization Release Amount”:  With respect to any Distribution Date, the lesser of (x) the Principal Remittance Amount for such Distribution Date and (y) the excess, if any, of (i) the Overcollateralized Amount (after giving effect to distributions in respect of the Principal Remittance Amount to be made on such Distribution Date) for such Distribution Date over (ii) the Overcollateralization Target Amount for such Distribution Date.

“Overcollateralization Target Amount”:  With respect to any Distribution Date, (a) prior to the Stepdown Date, approximately 0.85% of the Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date, (b) on or after the Stepdown Date and if a Trigger Event is not in effect, the greater of (i) 1.70% of the then current Aggregate Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period and (ii) the Overcollateralization Floor Amount or (c) on or after the Stepdown Date and if a Trigger Event is in effect, the Overcollateralization Target Amount for the immediately preceding Distribution Date. Notwithstanding the foregoing, on and after any Distribution Date following the reduction of the aggregate Certificate Principal Balance of the Class A Certificates and the Class M Certificates to zero, the Overcollateralization Target
Amount shall be zero.

“Overcollateralized Amount”:  With respect to any Distribution Date, the amount, if any, by which (i) the Aggregate Stated Principal Balance of the Mortgage Loans (after giving effect to scheduled payments of principal due during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the related Prepayment Period and any Realized Losses on the Mortgage Loans) exceeds (ii) the aggregate Certificate Principal Balance of the Class A Certificates and Class M Certificates as of such Distribution Date (after giving effect to distributions on such Distribution Date).

“Ownership Interest”:  As to any Certificate, any ownership or security interest in such Certificate, including any interest in such Certificate as the Holder thereof and any other interest therein, whether direct or indirect, legal or beneficial, as owner or as pledgee.

“Pass-Through Rate”:  With respect to each Distribution Date and each class of the Class I-A Certificates, a floating rate equal to the lesser of (i) One-Month LIBOR plus the related Certificate Margin and (ii) the related Net WAC Rate with respect to such Distribution Date. 

 

With respect to each Distribution Date and the Class II-A1A, Class II-A1B, Class II-A1C, Class II-A1D1, Class II-A1D2 and Class II-AN Certificates will be equal to the lesser of (i) 5.470%, 5.640%, 5.801%, 5.850%, 5.850%, and 5.675% per annum, respectively, and (ii) the related Net WAC Rate. With respect to the Class M Certificates, a floating rate equal to the lesser of (i) One-Month LIBOR plus the related Certificate Margin, and (ii) the related Net WAC Rate with respect to such Distribution Date.

With respect to any Distribution Date and the Class C Interest, a per annum rate equal to the percentage equivalent of a fraction, the numerator of which is (x) the sum of the amounts calculated pursuant to clauses (a) through (y) below, and the denominator of which is (y) the aggregate of the Uncertificated Principal Balances of the REMIC 2 Regular Interests (other than REMIC 1 Regular Interests LT-P, LT-ISUB, LT-IGRP, LT-2SUB, LT-2GRP, LT-XX and LT-IO).  For purposes of calculating the Pass-Through Rate for the Class C Interest, the numerator is equal to the sum of the following components:

(a)           the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-AA minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-AA;

(b)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-I-APT minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-I-APT;

(c)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-I-A1A minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-I-A1A;

(d)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-I-A1B minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-I-A1B;

(e)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-I-A1C minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-I-A1C;

(f)           the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-I-A1D minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-I-A1D;

(g)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-I-A2 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-I-A2;

(h)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-II-A1A minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-II-A1A;

 

 

(i)           the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-II-A1B minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-II-A1B;

(j)           the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-II-A1C minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-II-A1C;

(k)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-II-A1D1 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-II-A1D1;

(l)           the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-II-A1D2 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-II-A1D2;

(m)         the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-II-AN minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-II-AN;

(n)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-M1 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M1;

(o)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-M2 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M2;

(p)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-M3 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M3;

(q)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-M4 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M4;

(r)           the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-M5 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M5;

(s)           the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-M6 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M6;

(t)           the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-M7 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M7;

 

 

(u)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-M8 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M8;

(v)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-M9 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M9;

(w)         the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-M10 minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M10;

(x)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-ZZ minus the Marker Rate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-ZZ; and

	
             
  	
            (y)
 	
            100% of the interest on REMIC 2 Regular Interest LT-P.
 

The Class P Certificates and Class R Certificates will not accrue interest and therefore will not have a Pass-Through Rate.

“Percentage Interest”:  With respect to any Certificate (other than a Class R Certificate), the undivided percentage ownership interest in the related Class evidenced by such Certificate, which percentage ownership interest shall be equal to the Initial Certificate Principal Balance thereof or Initial Notional Amount, as applicable, thereof divided by the aggregate Initial Certificate Principal Balance or Initial Notional Amount, as applicable, of all of the Certificates of the same Class.  With respect to any Class R Certificate, the interest in distributions to be made with respect to such Class evidenced thereby, expressed as a percentage, as stated on the face of each such Certificate.

“Permitted Investment”:  One or more of the following:

(i)           obligations of or guaranteed as to principal and interest by the United States or any agency or instrumentality thereof when such obligations are backed by the full faith and credit of the United States;

(ii)          repurchase agreements on obligations specified in clause (i) maturing not more than one month from the date of acquisition thereof, provided that the unsecured obligations of the party agreeing to repurchase such obligations are at the time rated by each Rating Agency in its highest short-term rating available;

(iii)        federal funds, certificates of deposit, demand deposits, time deposits and bankers’ acceptances (which shall each have an original maturity of not more than 90 days and, in the case of bankers’ acceptances, shall in no event have an original maturity of more than 365 days or a remaining maturity of more than 30 days) denominated in United States dollars of any U.S. depository institution or trust company incorporated under the laws of the United States or any state thereof or of any domestic branch of a foreign depository institution or trust company; provided that the debt obligations of such depository institution or trust company (or, if the only 

 

Rating Agency is Standard & Poor’s, in the case of the principal depository institution in a depository institution holding company, debt obligations of the depository institution holding company) at the date of acquisition thereof have been rated by each Rating Agency in its highest short-term rating available; and provided further that, if the only Rating Agency is Standard & Poor’s and if the depository or trust company is a principal subsidiary of a bank holding company and the debt obligations of such subsidiary are not separately rated, the applicable rating shall be that of the bank holding company; and, provided further that, if the original maturity of such short-term obligations of a domestic branch of a foreign depository institution or trust company shall exceed 30 days, the short-term rating of such institution shall be A-1+ in the case of Standard & Poor’s if
Standard & Poor’s is the Rating Agency;

(iv)         commercial paper (having original maturities of not more than 365 days) of any corporation incorporated under the laws of the United States or any state thereof which on the date of acquisition has been rated by Moody’s and Standard & Poor’s in their highest short-term ratings available; provided that such commercial paper shall have a remaining maturity of not more than 30 days;

(v)          a money market fund or a qualified investment fund rated by Moody’s in its highest long-term ratings available and rated AAAm or AAAm-G by Standard & Poor’s, including any such funds for which Wells Fargo Bank, N.A. or any affiliate thereof serves as an investment advisor, manager, administrator, shareholder, servicing agent, and/or custodian or sub-custodian; and

(vi)         other obligations or securities that are acceptable to each Rating Agency as a Permitted Investment hereunder and will not reduce the rating assigned to any Class of Certificates (without regard to the Class II-A1D2 Policy) by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency, as evidenced in writing;

provided, however, that no instrument shall be a Permitted Investment if it represents, either (1) the right to receive only interest payments with respect to the underlying debt instrument or (2) the right to receive both principal and interest payments derived from obligations underlying such instrument and the principal and interest payments with respect to such instrument provide a yield to maturity greater than 120% of the yield to maturity at par of such underlying obligations.

“Permitted Transferee”:  Any transferee of a Residual Certificate other than a Disqualified Organization, a Non-United States Person or an “electing large partnership” (as defined in Section 775 of the Code).

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

“Prepayment Assumption”:  As defined in the Prospectus Supplement.

“Prepayment Charge”:  With respect to any Mortgage Loan, the charges, penalties or premiums, if any, due in connection with a full or partial prepayment of such Mortgage Loan in 

 

accordance with the terms of the related Mortgage Note (or any rider or annex thereto), or any amounts in respect thereof paid by the Seller in accordance with the Mortgage Loan Purchase Agreement or the Servicer in accordance with the Servicing Agreement.

“Prepayment Interest Shortfall”:  As to any Distribution Date and any Mortgage Loan (other than a Mortgage Loan relating to an REO Property) that was the subject of (a) a Principal Prepayment in Full during the related Prepayment Period, an amount equal to the excess of one month’s interest at the Net Mortgage Rate on the Stated Principal Balance of such Mortgage Loan over the amount of interest (adjusted to the Net Mortgage Rate) paid by the Mortgagor for such Prepayment Period to the date of such Principal Prepayment in Full or (b) a Curtailment during the prior calendar month, an amount equal to one month’s interest at the Mortgage Rate on the amount of such Curtailment.

“Prepayment Period”:  As to any Distribution Date, the calendar month preceding the month in which such Distribution Date occurs.

“Primary Hazard Insurance Policy”:  Each primary hazard insurance policy required to be maintained pursuant to Section 3.13.

“Primary Insurance Policy”:  Any primary policy of mortgage guaranty insurance including the Lender-Paid Primary Insurance Policy or any replacement policy therefor.

“Principal Distribution Amount”:  With respect to any Distribution Date, an amount equal to the sum of the Basic Principal Distribution Amount plus the Extra Principal Distribution Amount.

“Principal Parity Deficit”:  With respect to any Distribution Date, the excess of (i) the aggregate of the Certificate Principal Balances of the Class A Certificates on that Distribution Date, after taking into account any reduction (and, with respect to the Class II-A1D2 Certificates, as reduced by the Prior Principal Parity Payments) of those Certificate Principal Balances on that Distribution Date, less the excess of (a) any Principal Parity Deficit for all prior Distribution Dates over (b) the sum of all Prior Principal Parity Payments for all prior Distribution Dates over (ii) the aggregate of the Stated Principal Balances of the Mortgage Loans for that Distribution Date.  For the first Distribution Date, the Principal Parity Deficit will equal zero. 

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

“Principal Prepayment in Full”:  Any Principal Prepayment made by a Mortgagor of the entire unpaid principal balance of the Mortgage Loan.

“Principal Remittance Amount”:  With respect to any Distribution Date, the sum (net of any amounts due the Servicer or Master Servicer) of (i) each scheduled payment of principal collected or advanced on the Mortgage Loans by the Servicer or Master Servicer that was due during the related Due Period, (ii) the principal portion of all partial and full Principal Prepayments of the Mortgage Loans applied by the Servicer or Master Servicer during the 

 

related Prepayment Period, (iii) the principal portion of all Net Liquidation Proceeds, REO Proceeds, Insurance Proceeds and Subsequent Recoveries received during the related Prepayment Period, (iv) the principal portion of proceeds of Mortgage Loan purchases made pursuant to Section 2.02, 2.04 or 3.06, in each case received or made during the related Prepayment Period, (v) the principal portion of any related Substitution Adjustments deposited in the Custodial Account during the related Prepayment Period and (vi) on the Distribution Date on which the Trust Fund is to be terminated pursuant to Section 9.01, the principal portion of the termination price received from the Servicer or the Master Servicer, as applicable, in connection with a termination of the Trust Fund to occur on such Distribution Date, less any Net Swap Payment or Swap Termination Payment
(not due to a Swap Provider Trigger Event) deposited in the Supplemental Interest Trust for payment to the Swap Provider on such Distribution Date (to the extent not paid from interest collections).

“Prior Principal Parity Payments”:  With respect to any Distribution Date, the sum of all Class II-A1D2 Principal Parity Amounts paid by the Certificate Insurer prior to such Distribution Date.

“Prospectus Supplement”:  That certain Prospectus Supplement dated November 23, 2005, relating to the public offering of the Offered Certificates.

“Protected Account”:  An account established and maintained for the benefit of Certificateholders by the Servicer with respect to the related Mortgage Loans and with respect to REO Property pursuant to the Servicing Agreement.

“Purchase Price”:  With respect to any Mortgage Loan (or REO Property) required to be purchased pursuant to Section 2.02, 2.04 or 3.06, an amount equal to the sum of (i) 100% of the Stated Principal Balance thereof, (ii) unpaid accrued interest (or REO Imputed Interest) at the applicable Net Mortgage Rate on the Stated Principal Balance thereof outstanding during each Due Period that such interest was not paid or advanced, from the date through which interest was last paid by the Mortgagor or advanced and distributed to Certificateholders together with unpaid Servicing Fees and, if such Mortgage Loan is a Lender-Paid Insured Loan, the premium payable at the Lender-Paid Primary Insurance Rate, from the date through which interest was last paid by the Mortgagor, in each case to the first day of the month in which such Purchase Price is to be distributed, plus (iii) the aggregate
of all Advances and Servicing Advances made in respect thereof that were not previously reimbursed and (iv) costs and damages incurred by the Trust Fund in connection with a repurchase pursuant to Section 2.04 hereof that arises out of a violation of any anti-predatory lending law which also constitutes an actual breach of representations (xxxii), (xxxiii), (xxxiv), (xxxv), (xxxvi) or (xxxviii) of Section 3.1(b) of the Mortgage Loan Purchase Agreement.

“Qualified Insurer”:  Any insurance company duly qualified as such under the laws of the state or states in which the related Mortgaged Property or Mortgaged Properties is or are located, duly authorized and licensed in such state or states to transact the type of insurance business in which it is engaged and approved as an insurer by the Master Servicer, so long as the claims paying ability of which is acceptable to the Rating Agencies for pass-through certificates having the same rating as the Certificates rated by the Rating Agencies as of the Closing Date.

 

 

“Qualified Substitute Mortgage Loan”:  A Mortgage Loan substituted by the Company for a Deleted Mortgage Loan which must, on the date of such substitution, as confirmed in an Officers’ Certificate of the Seller delivered to the Trustee, (i) have an outstanding principal balance, after deduction of the principal portion of the monthly payment due in the month of substitution (or in the case of a substitution of more than one Mortgage Loan for a Deleted Mortgage Loan, an aggregate outstanding principal balance, after such deduction), not in excess of the Stated Principal Balance of the Deleted Mortgage Loan (the amount of any shortfall to be paid to the Master Servicer for deposit in the Custodial Account in the month of substitution); (ii) have a Mortgage Rate and a Net Mortgage Rate no lower than and not more than 1% per annum higher than the Mortgage Rate and Net Mortgage
Rate, respectively, of the Deleted Mortgage Loan as of the date of substitution; (iii) have a Loan-to-Value Ratio at the time of substitution no higher than that of the Deleted Mortgage Loan at the time of substitution; (iv) have a remaining term to stated maturity not greater than (and not more than one year less than) that of the Deleted Mortgage Loan; (v) comply with each representation and warranty set forth in Section 2.04 hereof; and, (vi) comply with each non-statistical representation and warranty set forth in the Mortgage Loan Purchase Agreement.

“Rating Agency”:  Standard & Poor’s and Moody’s and each of their successors.  If such agencies and their successors are no longer in existence, “Rating Agency” shall be such nationally recognized statistical rating agency, or other comparable Person, designated by the Company, notice of which designation shall be given to the Trustee, the Securities Administrator and Master Servicer.  References herein to the two highest long term debt ratings of a Rating Agency shall mean “AA” or better in the case of Standard & Poor’s and “Aa2” or better in the case of Moody’s and references herein to the two highest short-term debt ratings of a Rating Agency shall mean “A-1+” in the case of Standard & Poor’s and “P-1” in the case of Moody’s, and in the case of any other Rating Agency such references
shall mean such rating categories without regard to any plus or minus.

“Realized Loss”:  With respect to each Mortgage Loan or REO Property as to which a Cash Liquidation or REO Disposition has occurred, an amount (not less than zero) equal to (i) the Stated Principal Balance of the Mortgage Loan as of the date of Cash Liquidation or REO Disposition, plus (ii) interest (and REO Imputed Interest, if any) at the Net Mortgage Rate from the Due Date as to which interest was last paid or advanced to Certificateholders up to the date of the Cash Liquidation or REO Disposition on the Stated Principal Balance of such Mortgage Loan outstanding during each Due Period that such interest was not paid or advanced, minus (iii) the proceeds, if any, received during the month in which such Cash Liquidation or REO Disposition occurred, to the extent applied as recoveries of interest at the Net Mortgage Rate and to principal of the Mortgage Loan, net of the portion
thereof reimbursable to the Master Servicer or the Servicer with respect to related Advances or Servicing Advances not previously reimbursed.  With respect to each Mortgage Loan which has become the subject of a Deficient Valuation, the difference between the principal balance of the Mortgage Loan outstanding immediately prior to such Deficient Valuation and the principal balance of the Mortgage Loan as reduced by the Deficient Valuation.  In addition, to the extent the Servicer or Master Servicer receives Subsequent Recoveries with respect to any Mortgage Loan, the amount of the Realized Loss with respect to that Mortgage Loan will be reduced to the extent such recoveries are applied to reduce the Certificate Principal Balance of any Class of Certificates on any Distribution Date.

 

 

“Record Date”:  With respect to any Book-Entry Certificates, other than the Class II-A Certificates and any Distribution Date, the close of business on the Business Day immediately preceding such Distribution Date.  With respect to the Class II-A Certificates and any Certificates that are not Book-Entry Certificates, the close of business on the last Business Day of the calendar month preceding such Distribution Date.

“Regular Certificate”:  Any of the Certificates other than a Residual Certificate.

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

“Relief Act”:  The Servicemembers Civil Relief Act, f/k/a Soldiers’ and Sailors’ Civil Relief Act of 1940, as amended.

“Relief Act Interest Shortfall”:  With respect to any Distribution Date, for any Mortgage Loan with respect to which there has been a reduction in the amount of interest collectible thereon for the most recently ended Due Period as a result of the application of the Relief Act, the amount by which (i) interest collectible on such Mortgage Loan during such Due Period is less than (ii) one month’s interest on the Principal Balance of such Mortgage Loan at the Loan Rate for such Mortgage Loan before giving effect to the application of the Relief Act.

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

“REMIC 1”:  The segregated pool of assets subject hereto (exclusive of the Basis Risk Shortfall Reserve Fund and the Supplemental Interest Trust) with respect to which a REMIC election is to be made, conveyed in trust to the Trustee, for the benefit of the Holders of the REMIC 1 Regular Interests and the Holders of the Class R Certificates (as holders of the Class R-1 Interest), consisting of:  (i) each Mortgage Loan (exclusive of payments of principal and interest due on or before the Cut-off Date, if any, received by the Master Servicer which shall not constitute an asset of the Trust Fund) as from time to time are subject to this Agreement and all payments under and proceeds of such Mortgage Loans (exclusive of any prepayment fees and late payment charges received on the Mortgage Loans), together with all documents included in the related Mortgage File, subject to Section
2.01; (ii) such funds or assets as from time to time are deposited in the Custodial Account or the Certificate Account and belonging to the Trust Fund; (iii) any REO Property; (iv) the Primary Hazard Insurance Policies, if any, the Primary Insurance Policies, if any, and all other Insurance Policies with respect to the Mortgage Loans; and (v) the Company’s interest in respect of the representations and warranties made by the Seller in the Mortgage Loan Purchase Agreement as assigned to the Trustee pursuant to Section 2.04 hereof.  REMIC 1 specifically does not include the Basis Risk Shortfall Reserve Fund and the Supplemental Interest Trust.

“REMIC 1 Group I Regular Interests”:  REMIC 1 Regular Interest I and REMIC 1 Regular Interest I-1-A through REMIC 1 Regular Interest I-104-B as designated in the Preliminary Statement hereto.

“REMIC 1 Group II Regular Interests”:  REMIC 1 Regular Interest II as designated in the Preliminary Statement hereto.

 

 

“REMIC 1 Regular Interest”:  Any of the separate non-certificated beneficial ownership interests in REMIC I issued hereunder and designated as a “regular interest” in REMIC 1. Each REMIC 1 Regular Interest shall accrue interest at the related Uncertificated REMIC 1 Pass-Through Rate in effect from time to time, and shall be entitled to distributions of principal, subject to the terms and conditions hereof, in an aggregate amount equal to its initial Uncertificated Principal Balance as set forth in the Preliminary Statement hereto. The designations for the respective REMIC 1 Regular Interests are set forth in the Preliminary Statement hereto.  The REMIC 1 Regular Interests consist of the REMIC 1 Group I Regular Interests, REMIC 1 Group II Regular Interests and REMIC 1 Regular Interest P.

“REMIC 2”:  The segregated pool of assets consisting of all of the REMIC 1 Regular Interests conveyed in trust to the Trustee, for the benefit of the Holders of the REMIC 2 Regular Interests and the Holders of the Class R (as holders of the Class R-2 Interest), pursuant to Article II hereunder, and all amounts deposited therein, with respect to which a separate REMIC election is to be made.

“REMIC 2 Interest Loss Allocation Amount”:  With respect to any Distribution Date, an amount equal to (a) the product of (i) the 50% of aggregate Principal Balance of the Mortgage Loans and related REO Properties then outstanding and (ii) the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LT-AA minus the Marker Rate, divided by (b) 12.

“REMIC 2 Marker Allocation Percentage”:  50% of any amount payable or loss attributable from the Mortgage Loans, which shall be allocated to REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9,
REMIC 2 Regular Interest LT-M10, REMIC 2 Regular Interest LT-ZZ and REMIC 2 Regular Interest LT-P.

“REMIC 2 Overcollateralized Amount”:  With respect to any date of determination, (i) 1% of the aggregate Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9,
REMIC 2 Regular Interest LT-M10, REMIC 2 Regular Interest LT-ZZ and REMIC 2 Regular Interest LT-P, minus (ii) the aggregate of the 

 

Uncertificated Principal Balances of REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9, REMIC 2 Regular Interest LT-M10 and REMIC 2 Regular Interest LT-P, in each case as of such date of determination.

“REMIC 2 Principal Loss Allocation Amount”:  With respect to any Distribution Date and the Mortgage Loans, an amount equal to (a) the product of (i) 50% of the aggregate Principal Balance of the Mortgage Loans and related REO Properties then outstanding and (ii) 1 minus a fraction, the numerator of which is two times the aggregate of the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular
Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9 and REMIC 2 Regular Interest LT-M10 and the denominator of which is the aggregate of the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular
Interest LT-M8, REMIC 2 Regular Interest LT-M9, REMIC 2 Regular Interest LT-M10 and REMIC 2 Regular Interest LT-ZZ.

“REMIC 2 Overcollateralization Target Amount”:  0.50% of the Overcollateralization Target Amount.

“REMIC 2 Regular Interests “:  Any one of the separate non-certificated beneficial ownership interests in REMIC 2 issued hereunder and designated as a “regular interest” in REMIC 2 and identified in the Preliminary Statement.  Each REMIC 2 Regular Interest shall accrue interest at the related Uncertificated REMIC 2 Pass-Through Rate in effect from time to time, and shall be entitled to distributions of principal (other than REMIC 2 Regular Interest LT-IO), subject to the terms and conditions hereof, in an aggregate amount equal to its initial Uncertificated Principal Balance as set forth in the Preliminary Statement hereto. REMIC 2 

 

Regular Interest LT-P shall also be entitled to any Prepayment Charges received by the Trust Fund.

“REMIC 2 Sub WAC Allocation Percentage”:  50% of any amount payable or loss attributable from the Mortgage Loans, which shall be allocated to REMIC 2 Regular Interest LT-1SUB, REMIC 2 Regular Interest LT-1GRP, REMIC 2 Regular Interest LT-2SUB, REMIC 2 Regular Interest LT-2GRP and REMIC 2 Regular Interest LT-XX.

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

“REMIC 3”:  The segregated pool of assets consisting of all of the REMIC 2 Regular Interests conveyed in trust to the Trustee, for the benefit of the Holders of the Regular Certificates, Class IO Interest and the Holders of the Class R Certificates (as holders of the Class R-3 Interest), pursuant to Article II hereunder, and all amounts deposited therein, with respect to which a separate REMIC election is to be made.

“REMIC 3 Regular Interest”:  The Class IO Interest and any “regular interest” in REMIC 3 the ownership of which is represented by a Class A Certificate or Class M Certificate.

“REMIC Provisions”:  Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at Sections 860A through 860G of Subchapter M of Chapter 1 of the Code, and related provisions, and proposed, temporary and final regulations and published rulings, notices and announcements promulgated thereunder, as the foregoing may be in effect from time to time.

“REMIC Regular Interest”:  A REMIC 1 Regular Interest, REMIC 2 Regular Interest, REMIC 3 Regular Interest or Class IO Interest.

“Remittance Report”:  A report prepared by the Master Servicer (and delivered to the Securities Administrator) providing the information set forth in Exhibit E attached hereto.

“REO Acquisition”:  The acquisition by the Servicer on behalf of the Trust Fund for the benefit of the Certificateholders of any REO Property pursuant to Section 3.15.

“REO Disposition”:  The receipt by the Servicer of Insurance Proceeds, Liquidation Proceeds, Subsequent Recoveries and other payments and recoveries (including proceeds of a final sale) which the Servicer expects to be finally recoverable from the sale or other disposition of the REO Property.

“REO Imputed Interest”:  As to any REO Property, for any period, an amount equivalent to interest (at the Mortgage Rate that would have been applicable to the related Mortgage Loan had it been outstanding) on the unpaid principal balance of the Mortgage Loan as of the date of 

 

acquisition thereof (as such balance is reduced pursuant to Section 3.15 by any income from the REO Property treated as a recovery of principal).

“REO Proceeds”:  Proceeds, net of directly related expenses, received in respect of any REO Property (including, without limitation, proceeds from the rental of the related Mortgaged Property and of any REO Disposition), which proceeds are required to be deposited into the Custodial Account as and when received.

“REO Property”:  A Mortgaged Property acquired by the Servicer on behalf of the Trust Fund through foreclosure or deed-in-lieu of foreclosure in connection with a defaulted Mortgage Loan.

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

“Residual Certificates”:  The Class R Certificates.

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

“Responsible Officer”:  When used with respect to the Trustee shall mean any officer within the Corporate Trust Office of the Trustee with direct responsibility for the administration of this Agreement and also, with respect to a particular matter, any other officer of the Trustee to whom such matter is referred because of such officer’s knowledge of and familiarity with the particular subject. When used with respect to the Securities Administrator shall mean any officer assigned with direct responsibility for the administration of this Agreement and also, with respect to a particular matter, any other officer of the Securities Administrator to whom such matter is referred because of such officer’s knowledge of and familiarity with the particular subject.

“Securities Administrator”:  Wells Fargo Bank, N.A., or its successor in interest, or any successor securities administrator appointed as herein provided.

“Seller”:  Opteum Financial Services, LLC, or its successor in interest.

“Senior Enhancement Percentage”:  For any Distribution Date, the percentage obtained by dividing (x) the sum of (i) the aggregate Certificate Principal Balance of the Class M Certificates and (ii) the related Overcollateralization Amount, in each case prior to the distribution of the Principal Distribution Amount on such Distribution Date, by (y) the Aggregate Stated Principal Balance of the Mortgage Loans after giving effect to distributions to be made on that Distribution Date.

“Servicer”:  Opteum Financial Services, LLC, or its successor in interest.

“Servicer Remittance Date”:  The 18th day of any month, or if such 18th day is not a Business Day, the first Business Day immediately preceding such 18th day. The first Remittance Date shall occur on December 18, 2005.

 

 

“Servicing Advances”:  All customary, reasonable and necessary “out of pocket” costs and expenses incurred in connection with a default, delinquency or other unanticipated event in the performance by the Master Servicer, the Servicer or any Subservicer of its servicing obligations, including, but not limited to, the cost of (i) the preservation, restoration and protection of a Mortgaged Property, (ii) any enforcement or judicial proceedings, including foreclosures, including any expenses incurred in relation to any such proceedings that result from the Mortgage Loan being registered on the MERS System, (iii) the management and liquidation of any REO Property, including reasonable fees paid to any independent contractor in connection therewith, and (iv) compliance with the obligations under the second paragraph of Section 3.01, Section 3.09 and Section 3.13 (other than
any deductible described in the last paragraph thereof).

“Servicing Agreement”:  The Cenlar Servicing Agreement, attached hereto as Exhibit M-1.

“Servicing Fee”:  With respect to each Mortgage Loan, accrued interest at the Servicing Fee Rate with respect to the Mortgage Loan on the same principal balance on which interest on the Mortgage Loan accrues for the calendar month.  The Servicing Fee consists of servicing and other related compensation payable to the Servicer or to the Master Servicer if the Master Servicer is directly servicing the loan, and includes any amount payable to any Subservicer by the Servicer.

“Servicing Fee Rate”:  With respect to each Mortgage Loan, the servicing fee rate set forth in the Mortgage Loan Schedule.  With respect to each fixed rate Mortgage Loan, the Servicing Fee Rate will equal 0.25% per annum. With respect to each adjustable rate Mortgage Loan, the Servicing Fee Rate will equal 0.25% per annum; provided that, on and after the first interest rate adjustment date, for any such adjustable rate Mortgage Loan, that rate will equal 0.375% per annum.

“Servicing Officer”:  Any officer of the Master Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans, whose name and specimen signature appear on a list of servicing officers furnished to the Trustee by the Master Servicer, as such list may from time to time be amended.

“Single Certificate”:  A Regular Certificate of any Class (other than a Class P Certificate) evidencing an Initial Certificate Principal Balance or Initial Notional Amount, as applicable, of $1,000, or, in the case of a Class P Certificate, a Certificate of such Class evidencing an Initial Certificate Principal Balance of $100.

“Standard & Poor’s”:  Standard & Poor’s, a division of The McGraw-Hill Companies, Inc., or its successor in interest.

“Startup Day”:  The day designated as such pursuant to Article X hereof.

“Stated Principal Balance”:  With respect to any Mortgage Loan or related REO Property at any given time, (i) the principal balance of the Mortgage Loan outstanding as of the Cut-off Date, after application of principal payments due on or before such date, whether or not received, minus (ii) the sum of (a) the principal portion of the Monthly Payments due with respect to such Mortgage Loan or REO Property during each Due Period ending prior to the most recent 

 

Distribution Date which were received or with respect to which an Advance was made, and (b) all Principal Prepayments with respect to such Mortgage Loan or REO Property, and all Insurance Proceeds, Liquidation Proceeds, Subsequent Recoveries and REO Proceeds to the extent applied by the Master Servicer as recoveries of principal in accordance with Section 3.15 with respect to such Mortgage Loan or REO Property, which were distributed pursuant to Section 4.01 on any previous Distribution Date, and (c) any Realized Loss with respect thereto allocated pursuant to Section 4.07 for any previous Distribution Date.

“Stepdown Date”:  The later to occur of (x) the Distribution Date occurring in December 2008 and (y) the first Distribution Date for which the Senior Enhancement Percentage is greater than or equal to approximately 17.90%.

 “Sub-Group”:  Each sub-group of the Mortgage Loans referred to as the Group I Loans and the Group II Loans.

 “Subservicer”:  Any Subservicer appointed by the Servicer pursuant to the Servicing Agreement.  Initially, the Subservicer shall be Cenlar.

“Subservicer Remittance Date”:  The 18th day of each month, or if such day is not a Business Day, the immediately preceding Business Day.

“Subservicing Agreement”:  The written contract between the Servicer and a Subservicer and any successor Subservicer relating to servicing and administration of certain Mortgage Loans as provided in the Servicing Agreement.

“Subsequent Recoveries”:  As of any Distribution Date, amounts received by the Servicer or Master Servicer (net of any related expenses permitted to be reimbursed pursuant to Section 4.02) or surplus amounts held by the Servicer or Master Servicer to cover estimated expenses (including, but not limited to, recoveries in respect of the representations and warranties made by the Seller pursuant to the Mortgage Loan Purchase Agreement) specifically related to a Mortgage Loan that was the subject of a liquidation or final disposition of any REO Property prior to the related Prepayment Period that resulted in a Realized Loss.

“Substitution Adjustment”:  As defined in Section 2.04 hereof.

“Supplemental Interest Trust”:  The corpus of a trust created pursuant to Section 4.09 of this Agreement and designated as the “Supplemental Interest Trust,” consisting of the Swap Agreement, Class IO Interest and the right to receive payments in respect of the Class IO Distribution Amount.  For the avoidance of doubt, the Supplemental Interest Trust does not constitute a part of the Trust Fund.

“Swap Agreement”:  The interest rate swap agreement, dated November 29, 2005, between HSBC Bank USA, National Association, as trustee on behalf of the Supplemental Interest Trust, and the Swap Provider, which agreement provides for Net Swap Payments and Swap Termination Payments to be paid, as provided therein, together with any schedules, confirmations or other agreements relating thereto, attached hereto as Exhibit O.

“Swap LIBOR”:  LIBOR as determined pursuant to the Swap Agreement.

 

 

“Swap Principal Payment Amount”:  With respect to each Distribution Date, the Swap Principal Payment Amount as defined in the Indenture.

“Swap Provider”:  The swap provider under the Swap Agreement either (a) entitled to receive payments from the Supplemental Interest Trust or (b) required to make payments to the Supplemental Interest Trust, in either case pursuant to the terms of the Swap Agreement, and any successor in interest or assign.  Initially, the Swap Provider shall be Swiss Re Financial Products Corporation.

“Swap Provider Trigger Event”:  A Swap Provider Trigger Event shall have occurred if any of an Event of Default (under the Swap Agreement) with respect to which the Swap Provider is a Defaulting Party, a Termination Event (under the Swap Agreement) with respect to which the Swap Provider is the sole Affected Party or an Additional Termination Event (under the Swap Agreement) with respect to which the Swap Provider is the sole Affected Party has occurred.

“Swap Termination Payment”:  Upon the designation of an “Early Termination Date” as defined in the Swap Agreement, the payment to be made by the Supplemental Interest Trust to the Swap Provider, or by the Swap Provider to the Supplemental Interest Trust, as applicable, pursuant to the terms of the Swap Agreement.

“Tax Returns”:  The federal income tax return on Internal Revenue Service Form 1066, U.S. Real Estate Mortgage Investment Conduit Income Tax Return, including Schedule Q thereto, Quarterly Notice to Residual Interest Holders of REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed on behalf of each REMIC due to their classification as REMICs under the REMIC Provisions, together with any and all other information, reports or returns that may be required to be furnished to the Certificateholders or filed with the Internal Revenue Service or any other governmental taxing authority under any applicable provisions of federal, state or local tax laws.

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

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

“Trigger Event”:  A Trigger Event is in effect with respect to any Distribution Date if:

(1)          the three-month rolling average of the aggregate principal balance of Mortgage Loans that are 60 or more days Delinquent (including for this purpose any such Mortgage Loans in foreclosure and Mortgage Loans with respect to which the related mortgaged property has been acquired by the trust) as of the close of business on the last day of the preceding calendar month equals or exceeds 35.00% of the Senior Enhancement Percentage; or

(2)          in the case of any Distribution Date after the 36th Distribution Date, the cumulative amount of Realized Losses incurred on the Mortgage Loans from the Cut-off Date through the end of the calendar month immediately preceding such Distribution Date exceeds the 

 

applicable percentage set forth below of the Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date:

	
            December 2005 to November 2008                                                  
 	
            N/A
 
	
            December 2008 to November 2009                                                  
 	
            0.85%
 
	
            December 2009 to November 2010                                                  
 	
            1.30%
 
	
            December 2010 to November 2011                                                  
 	
            1.70%
 
	
            December 2011 and thereafter                                                                                    
 	
            2.00%
 

 

“Trust Fund”:  REMIC 1, REMIC 2, REMIC 3, the Basis Risk Shortfall Reserve Fund, the Custodial Account and the Certificate Account.

“Trust REMIC”:  Any of REMIC 1, REMIC 2 or REMIC 3.

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

“Uncertificated Accrued Interest”:  With respect to each REMIC Regular Interest on each Distribution Date, an amount equal to one month’s interest at the related Uncertificated Pass-Through Rate on the Uncertificated Principal Balance or Uncertificated Notional Amount, as applicable, of such REMIC Regular Interest.  In each case, Uncertificated Accrued Interest will be reduced by any Net Prepayment Interest Shortfalls and Relief Act Interest Shortfalls (allocated to such REMIC Regular Interests as set forth in Section 1.03).

“Uncertificated Notional Amount”:  With respect to REMIC 2 Regular Interest LT-IO and each Distribution Date listed below, the aggregate Uncertificated Principal Balance of the REMIC 1 Regular Interests ending with the designation “A” listed below: 

	
            
Distribution Date
  
  	
            
REMIC 1 Regular Interests
  
  
	
            1
 	
            I-1-A through I-104-A 
 
	
            2
 	
            I-2-A through I-104-A 
 
	
            3
 	
            I-3-A through I-104-A 
 
	
            4
 	
            I-4-A through I-104-A 
 
	
            5
 	
            I-5-A through I-104-A 
 
	
            6
 	
            I-6-A through I-104-A 
 
	
            7
 	
            I-7-A through I-104-A 
 
	
            8
 	
            I-8-A through I-104-A 
 
	
            9
 	
            I-9-A through I-104-A 
 
	
            10
 	
            I-10-A through I-104-A 
 
	
            11
 	
            I-11-A through I-104-A 
 
	
            12
 	
            I-12-A through I-104-A 
 
	
            13
 	
            I-13-A through I-104-A 
 
	
            14
 	
            I-14-A through I-104-A 
 
	
            15
 	
            I-15-A through I-104-A 
 
	
            16
 	
            I-16-A through I-104-A 
 
	
            17
 	
            I-17-A through I-104-A 
 
	
            18
 	
            I-18-A through I-104-A 
 
	
            19
 	
            I-19-A through I-104-A 
 
	
            20
 	
            I-20-A through I-104-A 
 

 

 

 

 

	
            21
 	
            I-21-A through I-104-A 
 
	
            22
 	
            I-22-A through I-104-A 
 
	
            23
 	
            I-23-A through I-104-A 
 
	
            24
 	
            I-24-A through I-104-A 
 
	
            25
 	
            I-25-A through I-104-A 
 
	
            26
 	
            I-26-A through I-104-A 
 
	
            27
 	
            I-27-A through I-104-A 
 
	
            28
 	
            I-28-A through I-104-A 
 
	
            29
 	
            I-29-A through I-104-A 
 
	
            30
 	
            I-30-A through I-104-A 
 
	
            31
 	
            I-31-A through I-104-A 
 
	
            32
 	
            I-32-A through I-104-A 
 
	
            33
 	
            I-33-A through I-104-A 
 
	
            34
 	
            I-34-A through I-104-A 
 
	
            35
 	
            I-35-A through I-104-A 
 
	
            36
 	
            I-36-A through I-104-A 
 
	
            37
 	
            I-37-A through I-104-A 
 
	
            38
 	
            I-38-A through I-104-A 
 
	
            39
 	
            I-39-A through I-104-A 
 
	
            40
 	
            I-40-A through I-104-A 
 
	
            41
 	
            I-41-A through I-104-A 
 
	
            42
 	
            I-42-A through I-104-A 
 
	
            43
 	
            I-43-A through I-104-A 
 
	
            44
 	
            I-44-A through I-104-A 
 
	
            45
 	
            I-45-A through I-104-A 
 
	
            46
 	
            I-46-A through I-104-A 
 
	
            47
 	
            I-47-A through I-104-A 
 
	
            48
 	
            I-48-A through I-104-A 
 
	
            49
 	
            I-49-A through I-104-A 
 
	
            50
 	
            I-50-A through I-104-A 
 
	
            51
 	
            I-51-A through I-104-A 
 
	
            52
 	
            I-52-A through I-104-A 
 
	
            53
 	
            I-53-A through I-104-A 
 
	
            54
 	
            I-54-A through I-104-A 
 
	
            55
 	
            I-55-A through I-104-A 
 
	
            56
 	
            I-56-A through I-104-A 
 
	
            57
 	
            I-57-A through I-104-A 
 
	
            58
 	
            I-58-A through I-104-A 
 
	
            59
 	
            I-59-A through I-104-A 
 
	
            60
 	
            I-60-A through I-104-A 
 
	
            61
 	
            I-61-A through I-104-A 
 
	
            62
 	
            I-62-A through I-104-A 
 
	
            63
 	
            I-63-A through I-104-A 
 
	
            64
 	
            I-64-A through I-104-A
 
	
            65
 	
            I-65-A through I-104-A 
 
	
            66
 	
            I-66-A through I-104-A 
 
	
            67
 	
            I-67-A through I-104-A 
 
	
            68
 	
            I-68-A through I-104-A 
 
	
            69
 	
            I-69-A through I-104-A 
 
	
            70
 	
            I-70-A through I-104-A 
 
	
            71
 	
            I-71-A through I-104-A 
 
	
            72
 	
            I-72-A through I-104-A 
 
	
            73
 	
            I-73-A through I-104-A 
 

 

 

 

 

	
            74
 	
            I-74-A through I-104-A 
 
	
            75
 	
            I-75-A through I-104-A 
 
	
            76
 	
            I-76-A through I-104-A 
 
	
            77
 	
            I-77-A through I-104-A 
 
	
            78
 	
            I-78-A through I-104-A 
 
	
            79
 	
            I-79-A through I-104-A 
 
	
            80
 	
            I-80-A through I-104-A 
 
	
            81
 	
            I-81-A through I-104-A 
 
	
            82
 	
            I-82-A through I-104-A 
 
	
            83
 	
            I-83-A through I-104-A 
 
	
            84
 	
            I-84-A through I-104-A 
 
	
            85
 	
            I-85-A through I-104-A 
 
	
            86
 	
            I-86-A through I-104-A 
 
	
            87
 	
            I-87-A through I-104-A 
 
	
            88
 	
            I-88-A through I-104-A 
 
	
            89
 	
            I-89-A through I-104-A 
 
	
            90
 	
            I-90-A through I-104-A 
 
	
            91
 	
            I-91-A through I-104-A 
 
	
            92
 	
            I-92-A through I-104-A 
 
	
            93
 	
            I-93-A through I-104-A 
 
	
            94
 	
            I-94-A through I-104-A 
 
	
            95
 	
            I-95-A through I-104-A 
 
	
            96
 	
            I-96-A through I-104-A 
 
	
            97
 	
            I-97-A through I-104-A 
 
	
            98
 	
            I-98-A through I-104-A 
 
	
            99
 	
            I-99-A through I-104-A 
 
	
            100
 	
            I-100-A through I-104-A 
 
	
            101
 	
            I-101-A through I-104-A 
 
	
            102
 	
            I-102-A through I-104-A 
 
	
            103
 	
            I-103-A and I-104-A 
 
	
            104
 	
            I-104-A
 
	
            thereafter
 	
            $0.00
 

 

With respect to the Class IO Interest and any Distribution Date, an amount equal to the Uncertificated Notional Amount of the REMIC 2 Regular Interest IO.  

“Uncertificated Principal Balance”:  With respect to each REMIC Regular Interest (other than REMIC 2 Regular Interest LT-IO), the principal amount of such REMIC Regular Interest outstanding as of any date of determination.  As of the Closing Date, the Uncertificated Principal Balance of each such REMIC Regular Interest shall equal the amount set forth in the Preliminary Statement hereto as its initial Uncertificated Principal Balance.  On each Distribution Date, the Uncertificated Principal Balance of each such REMIC 2 Regular Interest shall be reduced by all distributions of principal made on such REMIC 2 Regular Interest on such Distribution Date pursuant to Section 4.06 and, if and to the extent necessary and appropriate, shall be further reduced on such Distribution Date by Realized Losses as provided in Section 4.07.  The Uncertificated Principal Balance of REMIC 2 Regular
Interest LT-ZZ shall be increased by interest deferrals as provided in Section 4.06.  The Uncertificated Principal Balance of each REMIC Regular Interest shall never be less than zero.

 

 

“Uncertificated Pass-Through Rate”:  The Uncertificated REMIC 1 Pass-Through Rate or Uncertificated REMIC 2 Pass-Through Rate.

“Uncertificated REMIC 1 Pass-Through Rate”:  With respect to REMIC 1 Regular Interest I and REMIC 1 Regular Interest P, a per annum rate equal to the weighted average Net Mortgage Rate of the Group 1 Mortgage Loans.  With respect to each REMIC 1 Regular Interest ending with the designation “A”, a per annum rate equal to the weighted average Net Mortgage Rate of the Group 1 Mortgage Loans multiplied by 2, subject to a maximum rate of 10.034%.  With respect to each REMIC 1 Regular Interest ending with the designation “B”, the greater of (x) a per annum rate equal to the excess, if any, of (i) 2 multiplied by the weighted average Net Mortgage Rate of the Group 1 Mortgage Loans over (ii) 10.034% and (y) 0.00%.  With respect to REMIC 1 Regular Interest II, a per annum rate equal to the weighted average Net Mortgage Rate of the Group II Mortgage Loans.  

“Uncertificated REMIC 2 Pass-Through Rate”:  With respect to REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9, REMIC 2 Regular Interest LT-M10, REMIC 2 Regular Interest LT-ZZ, REMIC 2 Regular
Interest LT-P, REMIC 2 Regular Interest LT-1SUB, REMIC 2 Regular Interest LT-2SUB, and REMIC 2 Regular Interest LT-XX, a per annum rate (but not less than zero) equal to the weighted average of (w) with respect to REMIC 1 Regular Interest I, REMIC 1 Regular Interest II and REMIC 1 Regular Interest P, the Uncertificated REMIC 1 Pass-Through Rate for such REMIC 1 Regular Interest for each such Distribution Date, (x) with respect to REMIC 1 Regular Interests ending with the designation “B”, the weighted average of the Uncertificated REMIC 1 Pass-Through Rates for such REMIC 1 Regular Interests, weighted on the basis of the Uncertificated Principal Balance of such REMIC 1 Regular Interests for each such Distribution Date and (y) with respect to REMIC 1 Regular Interests ending with the designation “A”, for each Distribution Date listed below, the weighted average of the rates listed below for each such REMIC 1 Regular Interest listed below, weighted on the basis of the
Uncertificated Principal Balance of each such REMIC 1 Regular Interest for each such Distribution Date:

	
            
Distribution Date
  
  	
            
REMIC 1 Regular Interest
  
  	
            
Rate
  
  
	
            1
 	
            I-1-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
            2
 	
            I-2-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            3
 	
            I-3-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A and I-2-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            4
 	
            I-4-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-3-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 

 

 

 

 

	
            5
 	
            I-5-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-4-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            6
 	
            I-6-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-5-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            7
 	
            I-7-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-6-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            8
 	
            I-8-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-7-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            9
 	
            I-9-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-8-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            10
 	
            I-10-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-9-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            11
 	
            I-11-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-10-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            12
 	
            I-12-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-11-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            13
 	
            I-13-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-12-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            14
 	
            I-14-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-13-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            15
 	
            I-15-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-14-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            16
 	
            I-16-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-15-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            17
 	
            I-17-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-16-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            18
 	
            I-18-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-17-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            19
 	
            I-19-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-18-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            20
 	
            I-20-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-19-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            21
 	
            I-21-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-20-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            22
 	
            I-22-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-21-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            23
 	
            I-23-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-22-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            24
 	
            I-24-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-23-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            25
 	
            I-25-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-24-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            26
 	
            I-26-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-25-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            27
 	
            I-27-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-26-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            28
 	
            I-28-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-27-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 

 

 

 

 

	
            29
 	
            I-29-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-28-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            30
 	
            I-30-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-29-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            31
 	
            I-31-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-30-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            32
 	
            I-32-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-31-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            33
 	
            I-33-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-32-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            34
 	
            I-34-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-33-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            35
 	
            I-35-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-34-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            36
 	
            I-36-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-35-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            37
 	
            I-37-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-36-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            38
 	
            I-38-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-37-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            39
 	
            I-39-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-38-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            40
 	
            I-40-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-39-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            41
 	
            I-41-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-40-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            42
 	
            I-42-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-41-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            43
 	
            I-43-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-42-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            44
 	
            I-44-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-43-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            45
 	
            I-45-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-44-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            46
 	
            I-46-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-45-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            47
 	
            I-47-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-46-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            48
 	
            I-48-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-47-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            49
 	
            I-49-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-48-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            50
 	
            I-50-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-49-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            51
 	
            I-51-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-50-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            52
 	
            I-52-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-51-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 

 

 

 

 

	
            53
 	
            I-53-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-52-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            54
 	
            I-54-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-53-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            55
 	
            I-55-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-54-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            56
 	
            I-56-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-55-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            57
 	
            I-57-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-56-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            58
 	
            I-58-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-57-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            59
 	
            I-59-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-58-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            60
 	
            I-60-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-59-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            61
 	
            I-61-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-60-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            62
 	
            I-62-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-61-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            63
 	
            I-63-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-62-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            64
 	
            I-64-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-63-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            65
 	
            I-65-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-64-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            66
 	
            I-66-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-65-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            67
 	
            I-67-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-66-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            68
 	
            I-68-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-67-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            69
 	
            I-69-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-68-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            70
 	
            I-70-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-69-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            71
 	
            I-71-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-70-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            72
 	
            I-72-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-71-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            73
 	
            I-73-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-72-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            74
 	
            I-74-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-73-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            75
 	
            I-75-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-74-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            76
 	
            I-76-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-75-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 

 

 

 

 

	
            77
 	
            I-77-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-76-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            78
 	
            I-78-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-77-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            79
 	
            I-79-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-78-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            80
 	
            I-80-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-79-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            81
 	
            I-81-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-80-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            82
 	
            I-82-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-81-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            83
 	
            I-83-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-82-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            84
 	
            I-84-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-83-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            85
 	
            I-85-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-84-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            86
 	
            I-86-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-85-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            87
 	
            I-87-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-86-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            88
 	
            I-88-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-87-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            89
 	
            I-89-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-88-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            90
 	
            I-90-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-89-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            91
 	
            I-91-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-90-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            92
 	
            I-92-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-91-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            93
 	
            I-93-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-92-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            94
 	
            I-94-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-93-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            95
 	
            I-95-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-94-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            96
 	
            I-96-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-95-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            97
 	
            I-97-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-96-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            98
 	
            I-98-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-97-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            99
 	
            I-99-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-98-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            100
 	
            I-100-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-99-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 

 

 

 

 

	
            101
 	
            I-101-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-100-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            102
 	
            I-102-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-101-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            103
 	
            I-103-A and I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-102-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            104
 	
            I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-103-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            thereafter
 	
            I-1-A through I-104-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 

 

With respect to REMIC 2 Regular Interest LT-1GRP, a per annum rate (but not less than zero) equal to the weighted average of (w) with respect to REMIC 1 Regular Interest I and REMIC 1 Regular Interest P, the Uncertificated REMIC 1 Pass-Through Rate for such REMIC 1 Regular Interest for each such Distribution Date, (x) with respect to REMIC 1 Group I Regular Interests ending with the designation “B”, the weighted average of the Uncertificated REMIC 1 Pass-Through Rates for such REMIC 1 Regular Interests, weighted on the basis of the Uncertificated Principal Balance of each such REMIC 1 Regular Interest for each such Distribution Date and (y) with respect to REMIC 1 Group I Regular Interests ending with the designation “A”, for each Distribution Date listed below, the weighted average of the rates listed below for such REMIC 1 Regular Interests listed below, weighted on
the basis of the Uncertificated Principal Balance of each such REMIC 1 Regular Interest for each such Distribution Date:

	
            
Distribution Date
  
  	
            
REMIC 1 Regular Interest
  
  	
            
Rate
  
  
	
            1
 	
            I-1-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
            2
 	
            I-2-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            3
 	
            I-3-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A and I-2-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            4
 	
            I-4-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-3-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            5
 	
            I-5-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-4-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            6
 	
            I-6-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-5-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            7
 	
            I-7-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-6-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            8
 	
            I-8-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-7-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            9
 	
            I-9-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-8-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            10
 	
            I-10-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-9-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            11
 	
            I-11-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-10-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 

 

 

 

 

	
            12
 	
            I-12-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-11-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            13
 	
            I-13-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-12-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            14
 	
            I-14-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-13-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            15
 	
            I-15-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-14-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            16
 	
            I-16-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-15-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            17
 	
            I-17-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-16-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            18
 	
            I-18-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-17-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            19
 	
            I-19-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-18-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            20
 	
            I-20-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-19-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            21
 	
            I-21-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-20-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            22
 	
            I-22-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-21-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            23
 	
            I-23-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-22-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            24
 	
            I-24-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-23-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            25
 	
            I-25-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-24-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            26
 	
            I-26-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-25-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            27
 	
            I-27-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-26-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            28
 	
            I-28-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-27-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            29
 	
            I-29-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-28-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            30
 	
            I-30-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-29-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            31
 	
            I-31-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-30-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            32
 	
            I-32-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-31-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            33
 	
            I-33-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-32-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            34
 	
            I-34-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-33-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            35
 	
            I-35-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-34-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            36
 	
            I-36-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-35-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 

 

 

 

 

	
            37
 	
            I-37-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-36-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            38
 	
            I-38-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-37-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            39
 	
            I-39-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-38-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            40
 	
            I-40-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-39-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            41
 	
            I-41-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-40-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            42
 	
            I-42-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-41-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            43
 	
            I-43-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-42-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            44
 	
            I-44-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-43-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            45
 	
            I-45-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-44-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            46
 	
            I-46-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-45-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            47
 	
            I-47-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-46-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            48
 	
            I-48-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-47-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            49
 	
            I-49-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-48-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            50
 	
            I-50-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-49-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            51
 	
            I-51-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-50-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            52
 	
            I-52-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-51-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            53
 	
            I-53-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-52-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            54
 	
            I-54-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-53-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            55
 	
            I-55-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-54-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            56
 	
            I-56-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-55-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            57
 	
            I-57-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-56-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            58
 	
            I-58-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-57-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            59
 	
            I-59-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-58-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            60
 	
            I-60-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-59-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 

 

 

 

 

	
            61
 	
            I-61-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-60-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            62
 	
            I-62-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-61-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            63
 	
            I-63-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-62-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            64
 	
            I-64-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-63-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            65
 	
            I-65-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-64-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            66
 	
            I-66-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-65-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            67
 	
            I-67-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-66-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            68
 	
            I-68-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-67-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            69
 	
            I-69-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-68-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            70
 	
            I-70-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-69-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            71
 	
            I-71-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-70-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            72
 	
            I-72-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-71-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            73
 	
            I-73-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-72-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            74
 	
            I-74-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-73-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            75
 	
            I-75-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-74-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            76
 	
            I-76-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-75-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            77
 	
            I-77-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-76-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            78
 	
            I-78-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-77-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            79
 	
            I-79-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-78-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            80
 	
            I-80-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-79-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            81
 	
            I-81-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-80-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            82
 	
            I-82-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-81-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            83
 	
            I-83-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-82-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            84
 	
            I-84-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-83-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 

 

 

 

 

	
            85
 	
            I-85-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-84-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            86
 	
            I-86-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-85-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            87
 	
            I-87-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-86-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            88
 	
            I-88-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-87-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            89
 	
            I-89-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-88-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            90
 	
            I-90-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-89-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            91
 	
            I-91-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-90-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            92
 	
            I-92-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-91-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            93
 	
            I-93-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-92-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            94
 	
            I-94-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-93-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            95
 	
            I-95-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-94-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            96
 	
            I-96-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-95-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            97
 	
            I-97-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-96-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            98
 	
            I-98-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-97-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            99
 	
            I-99-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-98-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            100
 	
            I-100-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-99-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            101
 	
            I-101-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-100-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            102
 	
            I-102-A through I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-101-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            103
 	
            I-103-A and I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-102-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            104
 	
            I-104-A
 	
            2 multiplied by Swap LIBOR, subject to a maximum rate of Uncertificated REMIC 1 Pass-Through Rate
 
	
             
 	
            I-1-A through I-103-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 
	
            thereafter
 	
            I-1-A through I-104-A
 	
            Uncertificated REMIC 1 Pass-Through Rate
 

 

With respect to REMIC 2 Regular Interest LT-2GRP, a per annum rate (but not less than zero) equal to the weighted average of the Uncertificated REMIC I Pass-Through Rate on REMIC 1 Regular Interest II for each such Distribution Date.

 

 

With respect to REMIC 2 Regular Interest LT-IO, the excess of (i) the weighted average of the Uncertificated REMIC 1 Pass-Through Rates for REMIC 1 Regular Interests ending with the designation “A”, over (ii) 2 multiplied by Swap LIBOR. 

“Uninsured Cause”:  Any cause of damage to property subject to a Mortgage such that the complete restoration of such property is not fully reimbursable by the hazard insurance policies or flood insurance policies required to be maintained pursuant to Section 3.13.

“United States Person”:  A citizen or resident of the United States, a corporation or a partnership (including an entity treated as a corporation or partnership for United States federal income tax purposes) created or organized in, or under the laws of, the United States or any State thereof or the District of Columbia (except, in the case of a partnership, to the extent provided in regulations) provided that, for purposes solely of the restrictions on the transfer of Class R Certificates, no partnership or other entity treated as a partnership for United States federal income tax purposes shall be treated as a United States Person unless all persons that own an interest in such partnership either directly or through any entity that is not a corporation for United States federal income tax purposes are required by the applicable operative agreement to be United States Persons
or an estate whose income is subject to United States federal income tax regardless of its source, or a trust if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more such United States Persons have the authority to control all substantial decisions of the trust.  To the extent prescribed in regulations by the Secretary of the Treasury, a trust which was in existence on August 20, 1996 (other than a trust treated as owned by the grantor under subpart E of part I of subchapter J of chapter 1 of the Code), and which was treated as a United States person on August 20, 1996 may elect to continue to be treated as a United States person notwithstanding the previous sentence.

“Voting Rights”:  The portion of the voting rights of all of the Certificates which is allocated to any Certificate.  At all times during the term of this Agreement, (i) 97% of all Voting Rights will be allocated among the Holders of the Class A Certificates and Class M Certificates in proportion to the then outstanding Certificate Principal Balances of their respective Certificates, (ii) 1% of all Voting Rights will be allocated to the Holders of the Class C Certificates, (iii) 1% of all Voting Rights will be allocated to the Holders of the Class P Certificates and (iv) 1% of all Voting Rights will be allocated to the Holders of the Class R Certificates.  The Voting Rights allocated to any Class of Certificates shall be allocated among all Holders of the Certificates of such Class in proportion to the outstanding Percentage Interests in such Class represented thereby.

“Weighted Average Net Mortgage Rate”:  The weighted average of the Net Mortgage Rates of the Mortgage Loans, weighted on the basis of the Stated Principal Balances thereof as of the close of business on the first day of the calendar month preceding the month in which such Distribution Date occurs.

	
             
  	
            Section 1.02
 	
            Determination of LIBOR.
 

LIBOR applicable to the calculation of the Pass-Through Rate on the Class A Certificates and Class M Certificates for the Interest Determination Date for the initial Accrual Period shall 

 

be 4.21% per annum and for each subsequent Accrual Period will be determined on each subsequent Interest Determination Date.

On each Interest Determination Date following the initial Interest Determination Date, LIBOR shall be established by the Securities Administrator and, as to any Accrual Period, will equal the rate for one month United States dollar deposits that appears on the Telerate Screen Page 3750 as of 11:00 a.m., London time, on such Interest Determination Date.  “Telerate Screen Page 3750” means the display designated as page 3750 on the Telerate Service (or such other page as may replace page 3750 on that service for the purpose of displaying London interbank offered rates of major banks).  If such rate does not appear on such page (or such other page as may replace that page on that service, or if such service is no longer offered, LIBOR shall be so established by use of such other service for displaying LIBOR or comparable rates as may be selected by the Securities Administrator),
the rate will be the Reference Bank Rate.  The “Reference Bank Rate” will be determined on the basis of the rates at which deposits in U.S. Dollars are offered by the reference banks (which shall be any three major banks that are engaged in transactions in the London interbank market, selected by the Securities Administrator after consultation with the Master Servicer) as of 11:00 a.m., London time, on the Interest Determination Date to prime banks in the London interbank market for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Class A Certificates and Class M Certificates then outstanding.  The Securities Administrator will request the principal London office of each of the reference banks to provide a quotation of its rate.  If at least two such quotations are provided, the rate will be the arithmetic mean of the quotations rounded up to the next multiple of 1/16%.  If on such date fewer than two quotations are
provided as requested, the rate will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the Securities Administrator, as of 11:00 a.m., New York City time, on such date for loans in U.S. Dollars to leading European banks for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Class A Certificates and Class M Certificates then outstanding.  If no such quotations can be obtained, the rate will be LIBOR for the prior Distribution Date; provided however, if, under the priorities described above, LIBOR for a Distribution Date would be based on LIBOR for the previous Distribution Date for the third consecutive Distribution Date, the Securities Administrator shall select an alternative comparable index (over which the Securities Administrator has no control), used for determining one-month Eurodollar lending rates that is calculated and published (or otherwise made available) by an
independent party.

The establishment of LIBOR by the Securities Administrator on any Interest Determination Date and the Trustee’s subsequent calculation of the Pass-Through Rate applicable to the Class A Certificates and Class M Certificates for the relevant Accrual Period, in the absence of manifest error, will be final and binding.

The Securities Administrator will supply to any Certificateholder so requesting by telephone the Pass-Through Rate on the Class A Certificates and Class M Certificates for the current and the immediately preceding Accrual Period.

 

 

	
             
  	
            Section 1.03
 	
            Allocation of Certain Interest Shortfalls.
 

For purposes of calculating the amount of the Accrued Certificate Interest for the Class A, Class M and Class C Certificates for any Distribution Date, the aggregate amount of any Net Prepayment Interest Shortfalls and any Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans for any Distribution Date shall be allocated first, to the Class C Certificates to the extent of one month’s interest at the then applicable Pass-Through Rate on the Notional Amount of each such Certificate and, thereafter, among the Class A Certificates and Class M Certificates on a pro rata basis based on, and to the extent of, one month’s interest at the then applicable respective Pass-Through Rate on the respective Certificate Principal Balance of each such Certificate.  

For purposes of calculating the amount of Uncertificated Accrued Interest for the REMIC 1 Group I Regular Interests for any Distribution Date the aggregate amount of any Net Prepayment Interest Shortfalls and any Relief Act Interest Shortfalls incurred in respect of Loan Group I shall be allocated first, REMIC 1 Regular Interest I and to the REMIC 1 Group I Regular Interests ending with the designation “B”, pro rata based on, and to the extent of, one month’s interest at the then applicable respective Uncertificated REMIC 1 Pass-Through Rates on the respective Uncertificated Principal Balances of each such REMIC 1 Regular Interest , and then, to REMIC 1 Group I Regular Interests ending with the designation “A”, pro rata based on, and to the extent of, one month’s interest at the then applicable respective
Uncertificated REMIC 1 Pass-Through Rates on the respective Uncertificated Principal Balances of each such REMIC 1 Regular Interest.  For purposes of calculating the amount of Uncertificated Accrued Interest for the REMIC 1 Group II Regular Interests for any Distribution Date the aggregate amount of any Net Prepayment Interest Shortfalls and any Relief Act Interest Shortfalls incurred in respect of Loan Group II shall be allocated to REMIC 1 Regular Interest II.  

The REMIC 2 Marker Allocation Percentage of the aggregate amount of any Net Prepayment Interest Shortfalls and any Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans for any Distribution Date shall be allocated among REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2
Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9, REMIC 2 Regular Interest LT-M10 and REMIC 2 Regular Interest LT-ZZ, pro rata, based on, and to the extent of, one month’s interest at the then applicable respective Uncertificated REMIC 2 Pass-Through Rates on the respective Uncertificated Principal Balances of each such REMIC 2 Regular Interest.

The REMIC 2 Sub WAC Allocation Percentage of the aggregate amount of any Net Prepayment Interest Shortfalls and any Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans for any Distribution Date shall be allocated to Uncertificated Accrued Interest payable to REMIC 2 Regular Interest LT-1SUB, REMIC 2 Regular Interest LT-1GRP, REMIC 2 

 

Regular Interest LT-2SUB, REMIC 2 Regular Interest LT-2GRP and REMIC 2 Regular Interest LT-XX, pro rata, based on, and to the extent of, one month’s interest at the then applicable respective Uncertificated REMIC 2 Pass-Through Rates on the respective Uncertificated Principal Balances of each such REMIC 2 Regular Interest.

 

 

ARTICLE II

 

CONVEYANCE OF MORTGAGE LOANS;

ORIGINAL ISSUANCE OF CERTIFICATES

	
             
  	
            Section 2.01
 	
            Conveyance of Mortgage Loans.
 

The Company, as of the Closing Date, and concurrently with the execution and delivery hereof, does hereby assign, transfer, sell, set over and otherwise convey to the Trustee without recourse all the right, title and interest of the Company in and to (1) the Mortgage Loans identified on the Mortgage Loan Schedule (including any Prepayment Charges but exclusive of any late payment charges received thereon), (2) the rights with respect to the Servicing Agreement as assigned to the Trustee on behalf the Certificateholders by the Assignment Agreement and (3) all other assets included or to be included in the Trust Fund for the benefit of the Certificateholders. Such assignment includes all principal and interest due and received by the Servicer on or with respect to the Mortgage Loans (other than payment of principal and interest due on or before the Cut-off Date). In addition, on or prior
to the Closing Date, the Depositor shall cause the Certificate Insurer to deliver the Class II-A1D2 Policy to the Trustee.

The Depositor, the Master Servicer and the Trustee agree that it is not intended that any Mortgage Loan be included in the Trust that is either (i) a “High-Cost Home Loan” as defined in the New Jersey Home Ownership Act effective November 27, 2003, (ii) a “High-Cost Home Loan” as defined in the New Mexico Home Loan Protection Act effective January 1, 2004, (iii) a “High Cost Home Mortgage Loan” as defined in the Massachusetts Predatory Home Practices Act effective November 7, 2004, or (iv) a “High-Cost Home Loan” as defined in the Indiana House Enrolled Act No. 1229, effective as of January 1, 2005.

In connection with such transfer and assignment, the Company has caused the Seller to deliver to, and deposit with the Custodian as agent for the Trustee, as described in the Mortgage Loan Purchase Agreement, with respect to each Mortgage Loan, the following documents or instruments:

(i)           the original Mortgage Note (including all riders thereto) bearing all intervening endorsements necessary to show a complete chain of endorsements from the original payee, endorsed “Pay to the order of _____without recourse”, via original signature, and, if previously endorsed, signed in the name of the last endorsee by a duly qualified officer of the last endorsee or, with respect to any Mortgage Loan as to which the original Mortgage Note has been permanently lost or destroyed and has not been replaced, a Lost Note Affidavit. If the Mortgage Loan was acquired by the last endorsee in a merger, the endorsement must be by “[name of last endorsee], successor by merger to [name of the predecessor].” If the Mortgage Loan was acquired or originated
by the last endorsee while doing business under another name, the endorsement must be by “[name of last endorsee], formerly known as [previous name].”  Within 45 days after the Closing Date, the Custodian shall endorse the Mortgage Note in the name of “HSBC Bank USA, National Association, as trustee under the Pooling and Servicing Agreement relating to Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5” for each Mortgage Note;

 

 

(ii)          The original recorded Mortgage, noting the presence of the MIN of the Mortgage Loan and either language indicating that the Mortgage Loan is a MOM loan or if the Mortgage Loan was not a MOM loan at origination, the original Mortgage and the assignment thereof to MERS, with evidence of recording indicated thereon; provided that if such document is not included because of a delay by the public recording office where such document has been delivered for recordation or such office as a matter of policy does not return the original of such document or if such original Mortgage has been lost, the Seller shall include or cause to be included a copy thereof certified by the appropriate recording office, if available;

(iii)        the original Assignment of Mortgage in blank, in form and substance acceptable for recordation in the jurisdiction in which the related mortgage property is located and signed in the name of the Last Endorsee by an authorized officer; unless the Mortgage Loan is registered on the MERS system;

(iv)         The original intervening Assignments, if any, with evidence of recording thereon, showing an unbroken chain of title to the Mortgage from the originator thereof to Person assigning it to the Trustee (or to MERS, if the Mortgage Loan is registered on the MERS® System); provided that if such document is not included because of a delay by the public recording office where such document has been delivered for recordation or such office as a matter of policy does not return the original of such document, the Seller shall include or cause to be included a copy thereof certified by the appropriate recording office, if available;

(v)          The originals of each assumption, modification or substitution agreement, if any, relating to the Mortgage Loan; and

(vi)         the original title insurance policy, or, if such policy has not been issued, any one of an original or a copy of the preliminary title report, title binder or title commitment on the Mortgaged Property with the original policy of the insurance to be delivered promptly following the receipt thereof.

Within 30 days after the Closing Date, the Company shall complete or cause to be completed the Assignments of Mortgage in the name of “HSBC Bank USA, National Association, as trustee under the Pooling and Servicing Agreement relating to Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5” (or shall prepare or cause to be prepared new forms of Assignment of Mortgage so completed in the name of the Trustee) for each Mortgage Property in a state, if any, which is specifically excluded from the Opinion of Counsel delivered by the Company to the Trustee and the Custodian, each such assignment shall be recorded in the appropriate public office for real property records, and returned to the Custodian, at no expense to the Custodian.

The Seller is obligated as described in the Mortgage Loan Purchase Agreement, with respect to the Mortgage Loans, to deliver to the Custodian as agent for the Trustee:  (a) either the original recorded Mortgage, or in the event such original cannot be delivered by the Seller, a copy of such Mortgage certified as true and complete by the appropriate recording office, in those instances where a copy thereof certified by the Seller was delivered to the Custodian as 

 

agent for the Trustee pursuant to clause (ii) above; and (b) either the original Assignment or Assignments of the Mortgage, with evidence of recording thereon, showing an unbroken chain of assignment from the originator to the Seller, or in the event such original cannot be delivered by the Seller, a copy of such Assignment or Assignments certified as true and complete by the appropriate recording office, in those instances where copies thereof certified by the Seller were delivered to the Custodian as agent for the Trustee pursuant to clause (iv) above. However, pursuant to the Mortgage Loan Purchase Agreement, the Seller need not cause to be recorded any assignment in any jurisdiction under the laws of which, as evidenced by an Opinion of Counsel delivered by the Seller to the Trustee, the Custodian and the Rating Agencies, the recordation of such assignment is not necessary to protect the Trustee’s
interest in the related Mortgage Loan; provided, however, notwithstanding the delivery of any Opinion of Counsel, each assignment shall be submitted for recording by the Seller in the manner described above, at no expense to the Trust or the Trustee, upon the earliest to occur of:  (i) reasonable direction by the Holders of Certificates evidencing at least 25% of the Voting Rights, (ii) the occurrence of an Event of Default, (iii) the occurrence of a bankruptcy, insolvency or foreclosure relating to the Seller, (iv) the occurrence of a servicing transfer as described in Section 7.02 hereof and (v) if the Seller is not the Master Servicer and with respect to any one assignment, the occurrence of a bankruptcy, insolvency or foreclosure relating to the Mortgagor under the related Mortgage.

Notwithstanding anything to the contrary contained in this Section 2.01, in those instances where the public recording office retains the original Mortgage after it has been recorded, the Seller shall be deemed to have satisfied its obligations hereunder upon delivery to the Custodian as agent for the Trustee of a copy of such Mortgage certified by the public recording office to be a true and complete copy of the recorded original thereof.

If any Assignment is lost or returned unrecorded to the Custodian as agent for the Trustee because of any defect therein, the Seller is required, as described in the Mortgage Loan Purchase Agreement, to prepare a substitute Assignment or cure such defect, as the case may be, and the Seller shall cause such Assignment to be recorded in accordance with this section.

The Seller is required as described in the Mortgage Loan Purchase Agreement, with respect to the Mortgage Loans, to exercise its best reasonable efforts to deliver or cause to be delivered to the Custodian as agent for the Trustee within 120 days of the Closing Date, with respect to the Mortgage Loans, the original or a photocopy of the title insurance policy with respect to each such Mortgage Loan assigned to the Trustee pursuant to this Section 2.01.

In connection with the assignment of any Mortgage Loan registered on the MERS® System, the Seller further agrees that it will cause, at the Seller’s own expense, as of the Closing Date, the MERS® System to indicate that such Mortgage Loans have been assigned by the Seller to the Trustee in accordance with this Agreement for the benefit of the Certificateholders by including (or deleting, in the case of Mortgage Loans which are repurchased in accordance with this Agreement) in such computer files (a) the code in the field which identifies the specific Trustee and (b) the code in the field “Pool Field” which identifies the series of the Certificates issued in connection with such Mortgage Loans.  The Company further agrees that it will not, and will not permit the Servicer to alter the codes referenced in this paragraph with respect to any Mortgage Loan during the
term of this Agreement unless and until such Mortgage Loan is repurchased in accordance with the terms of this Agreement.

 

 

All original documents relating to the Mortgage Loans which are not delivered to the Custodian as agent for the Trustee are and shall be held by the Seller in trust for the benefit of the Trustee on behalf of the Certificateholders.

Except as may otherwise expressly be provided herein, none of the Company, the Custodian, the Master Servicer, or the Trustee shall (and the Master Servicer shall ensure that no Servicer shall) assign, sell, dispose of or transfer any interest in the Trust Fund or any portion thereof, or cause the Trust Fund or any portion thereof to be subject to any lien, claim, mortgage, security interest, pledge or other encumbrance.

It is intended that the conveyance of the Mortgage Loans by the Company to the Trustee as provided in this Section be, and be construed as, a sale of the Mortgage Loans as provided for in this Section 2.01 by the Company to the Trustee for the benefit of the Certificateholders.  It is, further, not intended that such conveyance be deemed a pledge of the Mortgage Loans by the Company to the Trustee to secure a debt or other obligation of the Company.  However, in the event that the Mortgage Loans are held to be property of the Company, or if for any reason this Agreement is held or deemed to create a security interest in the Mortgage Loans, then it is intended that, (a) this Agreement shall also be deemed to be a security agreement within the meaning of Articles 8 and 9 of the New York Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction; (b) the
conveyance provided for in this Section shall be deemed to be (1) a grant by the Company to the Trustee of a security interest in all of the Company’s right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to (A) the Mortgage Loans, including the Mortgage Notes, the Mortgages, any related Insurance Policies and all other documents in the related Mortgage Files, (B) all amounts payable to the holders of the Mortgage Loans in accordance with the terms thereof (C) the Class II-A1D2 Policy and (D) all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments, securities or other property, including without limitation all amounts from time to time held or invested in the Certificate Account or the Custodial Account, whether in the form of cash, instruments, securities or other property and (2) an assignment by the Company to the Trustee of any security interest in any and all of the
Seller’s right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to the property described in the foregoing clauses (1)(A) through (D); (c) the possession by the Custodian as agent for the Trustee or any other agent of the Trustee of Mortgage Notes and such other items of property as constitute instruments, money, negotiable documents or chattel paper shall be deemed to be “possession by the secured party” or possession by a purchaser or a person designated by such secured party, for purposes of perfecting the security interest pursuant to the New York Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction (including, without limitation, Sections 9-115, 9-305, 8-102, 8-301, 8-501 and 8-503 thereof); and (d) notifications to persons holding such property, and acknowledgments, receipts or confirmations from persons holding such property, shall be deemed notifications to,
or acknowledgments, receipts or confirmations from, financial intermediaries, bailees or agents (as applicable) of the Trustee for the purpose of perfecting such security interest under applicable law.  The Company and the Trustee shall, to the extent consistent with this Agreement, take such actions as may be necessary to ensure that, if this Agreement were deemed to create a security interest in the Mortgage Loans and the REMIC 1 Regular Interests, such security interest would 

 

be deemed to be a perfected security interest of first priority under applicable law and will be maintained as such throughout the term of the Agreement.

Concurrently with the execution of this Agreement, the Swap Agreement shall be delivered to the Trustee.  In connection therewith, the Company hereby directs the Trustee (solely in its capacity as such) to execute and deliver the Swap Agreement.

	
             
  	
            Section 2.02
 	
            Acceptance of the Trust Fund by the Trustee.
 

The Trustee acknowledges receipt (subject to any exceptions noted in the Initial Certification described below), of the documents referred to in Section 2.01 above and all other assets included in the definition of “Trust Fund” and declares that it (or the Custodian on its behalf) holds and will hold such documents and the other documents delivered to Custodian as agent for the Trustee constituting the Mortgage Files, and that it holds or will hold such other assets included in the definition of “Trust Fund” (to the extent delivered or assigned to the Custodian as agent for the Trustee), in trust for the exclusive use and benefit of all present and future Certificateholders.

The Trustee agrees that, for the benefit of the Certificateholders and the Certificate Insurer, the Custodian as agent for the Trustee will review each Mortgage File on or before the Closing Date to ascertain that all documents required to be delivered to it are in its possession, and the Custodian as agent for the Trustee agrees to execute and deliver, or cause to be executed and delivered, to the Company and the Certificate Insurer on the Closing Date, with respect to each Mortgage Loan, an Initial Certification in the form annexed hereto as Exhibit C to the effect that, as to each Mortgage Loan listed in the Mortgage Loan Schedule (other than any Mortgage Loan paid in full or any Mortgage Loan specifically identified in such certification as not covered by such certification), (i) all documents required to be delivered to it pursuant to this Agreement with respect to such Mortgage
Loan are in its possession, and (ii) such documents have been reviewed by it and appear regular on their face and relate to such Mortgage Loan.  Neither the Custodian, the Trustee or the Master Servicer shall be under any duty to determine whether any Mortgage File should include any of the documents specified in clauses (v) or (vi) of Section 2.01.  Neither the Custodian, the Trustee or the Master Servicer shall be under any duty or obligation to inspect, review or examine said documents, instruments, certificates or other papers to determine that the same are genuine, enforceable or appropriate for the represented purpose or that they have actually been recorded, or they are in recordable form or that they are other than what they purport to be on their face.

Within 180 days of the Closing Date, with respect to the Mortgage Loans, the Custodian as agent for the Trustee shall deliver to the Company and the Certificate Insurer a Final Certification in the form annexed hereto as Exhibit D evidencing the completeness of the Mortgage Files, with any applicable exceptions noted thereon.

If in the process of reviewing the Mortgage Files and preparing the certifications referred to above the Custodian as agent for the Trustee or the Master Servicer finds any document or documents constituting a part of a Mortgage File to be missing or defective in any material respect, the Custodian as agent for the Trustee shall promptly notify the Trustee, the Seller and the Company.  The Custodian as agent for the Trustee shall promptly notify the Seller and the 

 

Securities Administrator of such defect and request that the Seller cure any such defect within 60 days from the date on which the Seller was notified of such defect, and if the Seller does not cure such defect in all material respects during such period, request on behalf of the Certificateholders that the Seller purchase such Mortgage Loan from the Trust Fund at the Purchase Price within 90 days after the date on which the Seller was notified of such defect; provided that if such defect would cause the Mortgage Loan to be other than a “qualified mortgage” as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered.  It is understood and agreed that the obligation of the Seller to cure a material defect in, or purchase any Mortgage Loan as to which a material defect in a constituent document exists shall constitute
the sole remedy respecting such defect available to Certificateholders or the Trustee on behalf of Certificateholders.  The Purchase Price for the purchased Mortgage Loan shall be deposited or caused to be deposited upon receipt by the Master Servicer in the Custodial Account and, upon receipt by the Custodian as agent for the Trustee and the Securities Administrator of written notification of such deposit signed by a Servicing Officer, the Custodian as agent for the Trustee shall release or cause to be released to the Seller the related Mortgage File and shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as the Seller shall require as necessary to vest in the Seller ownership of any Mortgage Loan released pursuant hereto and at such time the Custodian as agent for the Trustee shall have no further responsibility with respect to the related Mortgage File. In furtherance of the foregoing, if the Seller is not a member of MERS and the
Mortgage is registered on the MERS® System, the Trustee, at the Seller’s expense, shall cause MERS to execute and deliver an assignment of the Mortgage in recordable form to transfer the Mortgage from MERS to the Seller and shall cause such Mortgage to be removed from registration on the MERS® System in accordance with MERS’ rules and regulations.

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

(a)          The Master Servicer hereby represents and warrants to and covenants with the Company for the benefit of Certificateholders and the Trustee that:

(i)           The Master Servicer is, and throughout the term hereof shall remain, a corporation duly organized, validly existing and in good standing under the laws of the state of its incorporation, the Master Servicer is, and shall remain, in compliance with the laws of each state in which any Mortgaged Property is located to the extent necessary to perform its obligations under this Agreement, and the Master Servicer or an affiliate is, and shall remain, approved to service mortgage loans for Fannie Mae and Freddie Mac;

(ii)          The execution and delivery of this Agreement by the Master Servicer, and the performance and compliance with the terms of this Agreement by the Master Servicer, will not violate the Master Servicer’s articles of incorporation or bylaws or constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, or result in the breach of, any material agreement or other instrument to which it is a party or which is applicable to it or any of its assets;

(iii)        The Master Servicer has the full power and authority to enter into and consummate all transactions contemplated by this Agreement, has duly authorized the 

 

execution, delivery and performance of this Agreement, and has duly executed and delivered this Agreement;

(iv)         This Agreement, assuming due authorization, execution and delivery by the Company and the Trustee, constitutes a valid, legal and binding obligation of the Master Servicer, enforceable against the Master Servicer in accordance with the terms hereof, subject to (A) applicable bankruptcy, insolvency, reorganization, moratorium and other laws affecting the enforcement of creditors’ rights generally, and (B) general principles of equity, regardless of whether such enforcement is considered in a proceeding in equity or at law;

(v)          The Master Servicer is not in violation of, and its execution and delivery of this Agreement and its performance and compliance with the terms of this Agreement will not constitute a violation of, any law, any order or decree of any court or arbiter, or any order, regulation or demand of any federal, state or local governmental or regulatory authority, which violation is likely to affect materially and adversely either the ability of the Master Servicer to perform its obligations under this Agreement or the financial condition of the Master Servicer;

(vi)         No litigation is pending (other than litigation with respect to which pleadings or documents have been filed with a court, but not served on the Master Servicer) or, to the best of the Master Servicer’s knowledge, threatened against the Master Servicer which would prohibit its entering into this Agreement or performing its obligations under this Agreement or is likely to affect materially and adversely either the ability of the Master Servicer to perform its obligations under this Agreement or the financial condition of the Master Servicer;

(vii)       The Master Servicer will comply in all material respects in the performance of this Agreement with all reasonable rules and requirements of each insurer under each Insurance Policy;

(viii)      The execution of this Agreement and the performance of the Master Servicer’s obligations hereunder do not require any license, consent or approval of any state or federal court, agency, regulatory authority or other governmental body having jurisdiction over the Master Servicer, other than such as have been obtained; and

(ix)         No information, certificate of an officer, statement furnished in writing or report delivered to the Company, any affiliate of the Company or the Trustee by the Master Servicer in its capacity as Master Servicer, will, to the knowledge of the Master Servicer, contain any untrue statement of a material fact.

It is understood and agreed that the representations, warranties and covenants set forth in this Section 2.03(a) shall survive the execution and delivery of this Agreement, and shall inure to the benefit of the Company, the Trustee and the Certificateholders.  Upon discovery by any of the Company, the Trustee, the Securities Administrator or the Master Servicer of a breach of any of the foregoing representations, warranties and covenants that materially and adversely affects 

 

the interests of the Company or the Trustee or the value of any Mortgage Loan or Prepayment Charge, the party discovering such breach shall give prompt written notice to the other parties.

(b)          The Company hereby represents and warrants to the Master Servicer, the Securities Administrator and the Trustee for the benefit of Certificateholders that as of the Closing Date

(i)           the Company (a) is a corporation duly organized, validly existing and in good standing under the laws of the State of Delaware and (b) is qualified and in good standing as a foreign corporation to do business in each jurisdiction where such qualification is necessary, except where the failure so to qualify would not reasonably be expected to have a material adverse effect on the Company’s business as presently conducted or on the Company’s ability to enter into this Agreement and to consummate the transactions contemplated hereby;

(ii)          the Company has full corporate power to own its property, to carry on its business as presently conducted and to enter into and perform its obligations under this Agreement;

(iii)        the execution and delivery by the Company of this Agreement have been duly authorized by all necessary corporate action on the part of the Company; and neither the execution and delivery of this Agreement, nor the consummation of the transactions herein contemplated, nor compliance with the provisions hereof, will conflict with or result in a breach of, or constitute a default under, any of the provisions of any law, governmental rule, regulation, judgment, decree or order binding on the Company or its properties or the articles of incorporation or by-laws of the Company, except those conflicts, breaches or defaults which would not reasonably be expected to have a material adverse effect on the Company’s ability to enter into this Agreement and to consummate the
transactions contemplated hereby;

(iv)         the execution, delivery and performance by the Company of this Agreement and the consummation of the transactions contemplated hereby do not require the consent or approval of, the giving of notice to, the registration with, or the taking of any other action in respect of, any state, federal or other governmental authority or agency, except those consents, approvals, notices, registrations or other actions as have already been obtained, given or made;

(v)          this Agreement has been duly executed and delivered by the Company and, assuming due authorization, execution and delivery by the other parties hereto, constitutes a valid and binding obligation of the Company enforceable against it in accordance with its terms (subject to applicable bankruptcy and insolvency laws and other similar laws affecting the enforcement of the rights of creditors generally);

(vi)         there are no actions, suits or proceedings pending or, to the knowledge of the Company, threatened against the Company, before or by any court, administrative agency, arbitrator or governmental body (i) with respect to any of the transactions contemplated by this Agreement or (ii) with respect to any other matter which in the 

 

judgment of the Company will be determined adversely to the Company and will if determined adversely to the Company materially and adversely affect the Company’s ability to enter into this Agreement or perform its obligations under this Agreement; and the Company is not in default with respect to any order of any court, administrative agency, arbitrator or governmental body so as to materially and adversely affect the transactions contemplated by this Agreement; and

(vii)       immediately prior to the transfer and assignment to the Trustee, each Mortgage Note and each Mortgage were not subject to an assignment or pledge, and the Company had good and marketable title to and was the sole owner thereof and had full right to transfer and sell such Mortgage Loan to the Trustee free and clear of any encumbrance, equity, lien, pledge, charge, claim or security interest.

Upon discovery by either the Company, the Master Servicer, the Securities Administrator, the Custodian or the Trustee of a breach of any representation or warranty set forth in this Section 2.03 which materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties.

	
             
  	
            Section 2.04
 	
            Assignment of Interest in the Mortgage Loan Purchase Agreement.
 

The Company hereby assigns to the Trustee for the benefit of Certificateholders all of its rights (but none of its obligations) in, to and under the Mortgage Loan Purchase Agreement.  Insofar as the Mortgage Loan Purchase Agreement relates to such representations and warranties and any remedies provided thereunder for any breach of such representations and warranties, such right, title and interest may be enforced by the Trustee on behalf of the Certificateholders.  Upon the discovery by the Company, the Master Servicer, the Securities Administrator or the Trustee of a breach of any of the representations and warranties made in the Mortgage Loan Purchase Agreement in respect of any Mortgage Loan which materially and adversely affects the value of a Mortgage Loan or the interests of the Certificateholders in such Mortgage Loan, the party discovering such breach shall give prompt written
notice to the other parties.  The Trustee shall promptly notify the Seller of such breach and request that the Seller shall, within 90 days from the date that the Seller was notified or otherwise obtained knowledge of such breach, either (i) cure such breach in all material respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that if such breach would cause the Mortgage Loan to be other than a “qualified mortgage” as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered.  However, in the case of a breach under the Mortgage Loan Purchase Agreement, subject to the approval of the Company the Seller shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date, except that if the breach would
cause the Mortgage Loan to be other than a “qualified mortgage” as defined in Section 860G(a)(3) of the Code, any such substitution must occur within 90 days from the date the breach was discovered if such 90 day period expires before two years following the Closing Date.  In the event that the Seller elects to substitute a Qualified Substitute Mortgage Loan or Loans for a Deleted Mortgage Loan pursuant to this Section 2.04, the Trustee shall enforce the obligation of the Seller under the Mortgage Loan Purchase Agreement to deliver to the 

 

Custodian as agent for the Trustee and the Master Servicer, as appropriate, with respect to such Qualified Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage, an Assignment of the Mortgage in recordable form, and such other documents and agreements as are required by Section 2.01, with the Mortgage Note endorsed as required by Section 2.01. No substitution will be made in any calendar month after the Determination Date for such month.  Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution, to the extent received by the Master Servicer or any Subservicer, shall not be part of the Trust Fund and will be retained by the Master Servicer and remitted by the Master Servicer to the Seller on the next succeeding Distribution Date.  For the month of substitution, distributions to Certificateholders will include the Monthly Payment due on a
Deleted Mortgage Loan for such month and thereafter the Seller shall be entitled to retain all amounts received in respect of such Deleted Mortgage Loan.  The Company shall amend or cause to be amended the Mortgage Loan Schedule for the benefit of the Certificateholders to reflect the removal of such Deleted Mortgage Loan and the substitution of the Qualified Substitute Mortgage Loan or Loans and the Company shall deliver the amended Mortgage Loan Schedule to the Custodian as agent for the Trustee.  Upon such substitution, the Qualified Substitute Mortgage Loan or Loans shall be subject to the terms of this Agreement in all respects, the Seller shall be deemed to have made the representations and warranties with respect to the Qualified Substitute Mortgage Loan contained in the Mortgage Loan Purchase Agreement as of the date of substitution, and the Company shall be deemed to have made with respect to any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution, the
representations and warranties set forth in the Mortgage Loan Purchase Agreement (other than any statistical representations set forth therein).

In connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will determine the amount (the “Substitution Adjustment”), if any, by which the aggregate principal balance of all such Qualified Substitute Mortgage Loans as of the date of substitution is less than the aggregate Stated Principal Balance of all such Deleted Mortgage Loans (in each case after application of the principal portion of the Monthly Payments due in the month of substitution that are to be distributed to Certificateholders in the month of substitution).  The Trustee shall enforce the obligation of the Seller under the Mortgage Loan Purchase Agreement to provide the Master Servicer on the day of substitution for immediate deposit into the Custodial Account the amount of such shortfall, without any reimbursement therefor. In
accordance with the Mortgage Loan Purchase Agreement, the Seller shall give notice in writing to the Trustee and the Custodian of such event, which notice shall be accompanied by an Officers’ Certificate as to the calculation of such shortfall and by an Opinion of Counsel to the effect that such substitution will not cause (a) any federal tax to be imposed on any Trust REMIC, including without limitation, any federal tax imposed on “prohibited transactions” under Section 860F(a)(1) of the Code or on “contributions after the startup date” under Section 860G(d)(1) of the Code or (b) any portion of any Trust REMIC to fail to qualify as a REMIC at any time that any Certificate is outstanding.  The costs of any substitution as described above, including any related assignments, opinions or other documentation in connection therewith shall be borne by the Seller.

Except as expressly set forth herein none of the Trustee, the Custodian, the Securities Administrator or the Master Servicer is under any obligation to discover any breach of the above-mentioned representations and warranties.  It is understood and agreed that the obligation of the Seller to cure such breach, purchase or to substitute for such Mortgage Loan as to which 

 

such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to Certificateholders or the Trustee on behalf of Certificateholders.  Notwithstanding the foregoing, within 90 days of the earlier of discovery by the Seller or receipt of notice by the Seller of the breach of the representation or covenant of the Seller set forth in Section 3.1(b)(xlv) of the Mortgage Loan Purchase Agreement which materially and adversely affects the interests of the Holders of the Class P Certificates in any Prepayment Charge or if the Prepayment Charge is unenforceable due to subsequent changes in law, the Seller shall remedy such breach as set forth in Section 3.1(b)(xlv) of the Mortgage Loan Purchase Agreement.

Section 2.05     Issuance of Certificates; Conveyance of REMIC Regular Interests and Acceptance of REMIC 1, REMIC 2 and REMIC 3 by the Trustee.

(a)          The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery to the Custodian as agent for the Trustee of the Mortgage Files, subject to the provisions of Sections 2.01 and 2.02, together with the assignment to it of all other assets included in the Trust Fund, receipt of which is hereby acknowledged.  Concurrently with such assignment and delivery and in exchange therefor, the Trustee, pursuant to the written request of the Company executed by an officer of the Company, has executed, authenticated and delivered to or upon the order of the Company, the Certificates in authorized denominations.  The interests evidenced by the Certificates, constitute the entire beneficial ownership interest in the Trust Fund.

(b)          The Company, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey in trust to the Trustee without recourse all the right, title and interest of the Company in and to REMIC 1 for the benefit of the Holders of the REMIC 1 Regular Interests and Holders of the Class R Certificates (as Holders of the Class R-1 Interest).  The Trustee acknowledges receipt of REMIC 1 and declares that it holds and will hold the same in trust for the exclusive use and benefit of the Holders of the REMIC 1 Regular Interests and Holders of the Class R Certificates (as Holders of the Class R-1 Interest).  The interests evidenced by the Class R-1 Interest, together with the REMIC 1 Regular Interests, constitute the entire beneficial ownership interest in REMIC 1.

(c)          The Company, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey in trust to the Trustee without recourse all the right, title and interest of the Company in and to REMIC 1 Regular Interests (which are uncertificated) for the benefit of the Holders of the REMIC 1 Regular Interests and Holders of the Class R Certificates (as Holders of the Class R-2 Interest).  The Trustee acknowledges receipt of the REMIC 2 Regular Interests (which are uncertificated) and declares that it holds and will hold the same in trust for the exclusive use and benefit of the Holders of the REMIC 2 Regular Interests and Holders of the Class R Certificates (as Holders of the Class R-2 Interest).  The interests evidenced by the Class R-2 Interest,
together with the REMIC 2 Regular Interests, constitute the entire beneficial ownership interest in REMIC 2.

(d)          The Company, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey in trust to the Trustee without recourse all the right, title and interest of the Company in and to the REMIC 2 Regular Interests (which are uncertificated) for the benefit of the Holders of the Regular Certificates, the Class IO Interest and the Class R Certificates (in respect of the Class R-3 Interest).  The Trustee acknowledges receipt 

 

of the REMIC 2 Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of the Holders of the Regular Certificates, the Class IO Interest and the Class R Certificates (in respect of the Class R-3 Interest). The interests evidenced by the Class R-3 Interest, together with the Regular Certificates, the Class IO Interest constitute the entire beneficial ownership interest in REMIC 3.

(e)          Concurrently with (i) the assignment and delivery to the Trustee of REMIC 1 and the acceptance by the Trustee thereof, pursuant to Section 2.01, Section 2.02 and subsection (b), (ii) the assignment and delivery to the Trustee of REMIC 2 (including the Residual Interest therein represented by the Class R-2 Interest) and the acceptance by the Trustee thereof, pursuant to subsection (c), (iii) the assignment and delivery to the Trustee of REMIC 3 (including the Residual Interest therein represented by the Class R-3 Interest) and the acceptance by the Trustee thereof, pursuant to subsection (d), the Trustee, pursuant to the written request of the Company executed by an officer of the Company, has executed, authenticated and delivered to or upon the order of the Company, the Class R
Certificates in authorized denominations evidencing the Class R-1 Interest, the Class R-2 Interest and the Class R-3 Interest.

	
             
  	
            Section 2.06
 	
            Negative Covenants of the Trustee and Master Servicer.
 

Except as otherwise expressly permitted by this Agreement the Trustee and Master Servicer shall not cause the Trust Fund to:

(i)           sell, transfer, exchange or otherwise dispose of any of the assets of the Trust Fund;

	
             
  	
            (ii)
 	
            dissolve or liquidate the Trust Fund in whole or in part;
 

(iii)         engage, directly or indirectly, in any business other than that arising out of the issue of the Certificates, and the actions contemplated or required to be performed under this Agreement;

	
             
  	
            (iv)
 	
            incur, create or assume any indebtedness for borrowed money;
 

(v)          voluntarily file a petition for bankruptcy, reorganization, assignment for the benefit of creditors or similar proceeding; or

	
             
  	
            (vi)
 	
            merge, convert or consolidate with any other Person.
 

 

 

 

ARTICLE III

 

ADMINISTRATION AND SERVICING

OF THE TRUST FUND

	
             
  	
            Section 3.01
 	
            Administration and Servicing of Mortgage Loans.
 

(a)          The Master Servicer shall supervise, monitor and oversee the obligation of the Servicer to service and administer the Mortgage Loans in accordance with the terms of the Servicing Agreement and shall have full power and authority to do any and all things which it may deem necessary or desirable in connection with such master servicing and administration. In performing its obligations hereunder, the Master Servicer shall act in a manner consistent with Accepted Master Servicing Practices. Furthermore, the Master Servicer shall oversee and consult with the Servicer as necessary from time-to-time to carry out the Master Servicer’s obligations hereunder, shall receive, review and evaluate all reports, information and other data provided to the Master Servicer by the Servicer and shall
cause the Servicer to perform and observe the covenants, obligations and conditions to be performed or observed by the Servicer under the Servicing Agreement. The Master Servicer shall independently and separately monitor the Servicer’s servicing activities with respect to each related Mortgage Loan, reconcile the results of such monitoring with such information provided in the previous sentence on a monthly basis and coordinate corrective adjustments to the Servicer’s and Master Servicer’s records, and based on such reconciled and corrected information, the Master Servicer shall provide such information to the Securities Administrator as shall be necessary in order for it to prepare the statements specified in Section 4.03, and prepare any other information and statements required to be forwarded by the Master Servicer hereunder. The Master Servicer shall reconcile the results of its Mortgage Loan monitoring with the actual remittances of the Servicer to the Custodial
Account pursuant to the Servicing Agreement. 

The Trustee shall furnish the Servicer and the Master Servicer with any powers of attorney and other documents in form as provided to it necessary or appropriate to enable the Servicer and the Master Servicer to service and administer the related Mortgage Loans and REO Property.

The Trustee shall provide access to the records and documentation in possession of the Trustee regarding the related Mortgage Loans and REO Property and the servicing thereof to the Certificateholders, the FDIC, and the supervisory agents and examiners of the FDIC, such access being afforded only upon reasonable prior written request and during normal business hours at the office of the Trustee; provided, however, that, unless otherwise required by law, the Trustee shall not be required to provide access to such records and documentation if the provision thereof would violate the legal right to privacy of any Mortgagor. The Trustee shall allow representatives of the above entities to photocopy any of the records and documentation and shall provide equipment for that purpose at a charge that covers the Trustee’s actual costs.

The Trustee shall execute and deliver to the Servicer and the Master Servicer any court pleadings, requests for trustee’s sale or other documents necessary or desirable to (i) the foreclosure or trustee’s sale with respect to a Mortgaged Property; (ii) any legal action brought to obtain judgment against any Mortgagor on the Mortgage Note or Security Instrument; (iii) obtain 

 

a deficiency judgment against the Mortgagor; or (iv) enforce any other rights or remedies provided by the Mortgage Note or Security Instrument or otherwise available at law or equity.

(b)          Consistent with the terms of this Agreement, the Master Servicer may waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor if such waiver, modification, postponement or indulgence is in conformity with the Accepted Servicing Practices; provided, however, that:

(A)         the Master Servicer shall not make future advances (except as provided in Section 4.03);

(B)         the Master Servicer shall not permit any modification with respect to any Mortgage Loan that would change the Mortgage Rate, defer or forgive the payment of any principal or interest payments, reduce the outstanding Stated Principal Balance (except for reductions resulting from actual payments of principal) or extend the final maturity date on such Mortgage Loan (unless (i) the Mortgagor is in default with respect to the Mortgage Loan or (ii) such default is, in the judgment of the Master Servicer, reasonably foreseeable); and

(C)         the Master Servicer shall not consent to (i) partial releases of Mortgages, (ii) alterations, (iii) removal, demolition or division of properties subject to Mortgages, (iv) modification or (v) second mortgage subordination agreements with respect to any Mortgage Loan that would:  (i) affect adversely the status of any REMIC as a REMIC, (ii) cause any REMIC to be subject to a tax on “prohibited transactions” or “contributions” pursuant to the REMIC Provisions, or (iii) both (x) effect an exchange or reissuance of such Mortgage Loan under Section 1001 of the Code (or Treasury regulations promulgated thereunder) and (y) cause any REMIC constituting part of the Trust Fund to fail to qualify as a REMIC under the Code or the imposition of any tax on
“prohibited transactions” or “contributions” after the Startup Day under the REMIC Provisions.

The provisions of this Section 3.01(b) shall apply to the exercise of such waiver, modification, postponement or indulgence rights by the Master Servicer in its capacity as such and shall not apply to the exercise of any similar rights by the Servicer, who shall instead by subject to the provisions of the Servicing Agreement. Such waiver, modification, postponement and indulgence rights of the Master Servicer set forth in this Section shall not be construed as a duty.

(c)          The Master Servicer shall enforce the obligation of the Servicer under the Servicing Agreement in connection with the waiver of Prepayment Charges in accordance with the criteria therein and to pay the amount of any waived Prepayment Charges.

 

 

	
             
  	
            Section 3.02
 	
            REMIC-Related Covenants.
 

For as long as each REMIC shall exist, the Trustee, the Master Servicer and the Securities Administrator shall act in accordance herewith to assure continuing treatment of such REMIC as a REMIC, and the Trustee, the Master Servicer and the Securities Administrator shall comply with any directions of the Company, the Servicer or the Master Servicer to assure such continuing treatment. In particular, the Trustee shall not (a) sell or permit the sale of all or any portion of the Mortgage Loans or of any investment of deposits in an Account unless such sale is as a result of a repurchase of the Mortgage Loans pursuant to this Agreement or the Trustee has received a REMIC Opinion addressed to the Trustee prepared at the expense of the Trust Fund; and (b) other than with respect to a substitution pursuant to the Mortgage Loan Purchase Agreement or Section 2.04 of this Agreement, as applicable,
accept any contribution to any REMIC after the Startup Day without receipt of a REMIC Opinion addressed to the Trustee.

	
             
  	
            Section 3.03
 	
            Monitoring of Servicer.
 

(a)          The Master Servicer shall be responsible for reporting to the Trustee and the Company the compliance by the Servicer with its duties under the Servicing Agreement. In the review of the Servicer’s activities, the Master Servicer may rely upon an officer’s certificate of the Servicer (or similar document signed by an officer of the Servicer) with regard to the Servicer’s compliance with the terms of its Servicing Agreement. In the event that the Master Servicer, in its judgment, determines that the Servicer should be terminated in accordance with its Servicing Agreement, or that a notice should be sent pursuant to such Servicing Agreement with respect to the occurrence of an event that, unless cured, would constitute grounds for such termination, the Master Servicer shall
notify the Company and the Trustee thereof and the Master Servicer shall issue such notice or take such other action as it deems appropriate.

(b)          The Master Servicer, for the benefit of the Trustee and the Certificateholders, shall enforce the obligations of the Servicer under the Servicing Agreement, and shall, in the event that the Servicer fails to perform its obligations in accordance with the Servicing Agreement, subject to the preceding paragraph, terminate the rights and obligations of the Servicer thereunder and act as servicer of the related Mortgage Loans or to cause the Trustee to enter in to a new Servicing Agreement with a successor Servicer selected by the Master Servicer; provided, however, it is understood and acknowledged by the parties hereto that there will be a period of transition (not to exceed 90 days) before the actual servicing functions can be fully transferred to such successor Servicer. Such
enforcement, including, without limitation, the legal prosecution of claims, termination of Servicing Agreement and the pursuit of other appropriate remedies, shall be in such form and carried out to such an extent and at such time as the Master Servicer, in its good faith business judgment, would require were it the owner of the related Mortgage Loans. The Master Servicer shall pay the costs of such enforcement at its own expense, provided that the Master Servicer shall not be required to prosecute or defend any legal action except to the extent that the Master Servicer shall have received reasonable indemnity for its costs and expenses in pursuing such action.

(c)          To the extent that the costs and expenses of the Master Servicer related to any termination of the Servicer, appointment of a successor Servicer or the transfer and assumption of servicing by the Master Servicer with respect to any Servicing Agreement (including, without 

 

limitation, (i) all legal costs and expenses and all due diligence costs and expenses associated with an evaluation of the potential termination of the Servicer as a result of an event of default by the Servicer and (ii) all costs and expenses associated with the complete transfer of servicing, including all servicing files and all servicing data and the completion, correction or manipulation of such servicing data as may be required by the successor servicer to correct any errors or insufficiencies in the servicing data or otherwise to enable the successor service to service the Mortgage Loans in accordance with the Servicing Agreement) are not fully and timely reimbursed by the terminated Servicer, the Master Servicer shall be entitled to reimbursement of such costs and expenses from the Custodial Account.

(d)          The Master Servicer shall require the Servicer to comply with the remittance requirements and other obligations set forth in the Servicing Agreement.

(e)          If the Master Servicer acts as Servicer, it will not assume liability for the representations and warranties of the Servicer, if any, that it replaces.

	
             
  	
            Section 3.04
 	
            Fidelity Bond.
 

The Master Servicer, at its expense, shall maintain in effect a blanket fidelity bond and an errors and omissions insurance policy, affording coverage with respect to all directors, officers, employees and other Persons acting on such Master Servicer’s behalf, and covering errors and omissions in the performance of the Master Servicer’s obligations hereunder. The errors and omissions insurance policy and the fidelity bond shall be in such form and amount generally acceptable for entities serving as master servicers or trustees.

	
             
  	
            Section 3.05
 	
            Power to Act; Procedures.
 

The Master Servicer shall master service the Mortgage Loans and shall have full power and authority, subject to the REMIC Provisions and the provisions of Article X hereof, to do any and all things that it may deem necessary or desirable in connection with the master servicing and administration of the Mortgage Loans, including but not limited to the power and authority (i) to execute and deliver, on behalf of the Certificateholders and the Trustee, customary consents or waivers and other instruments and documents, (ii) to consent to transfers of any Mortgaged Property and assumptions of the Mortgage Notes and related Mortgages, (iii) to collect any Insurance Proceeds, Liquidation Proceeds and Subsequent Recoveries, and (iv) to effectuate foreclosure or other conversion of the ownership of the Mortgaged Property securing any Mortgage Loan, in each case, in accordance with the provisions
of this Agreement and the Servicing Agreement, as applicable; provided, however, that the Master Servicer shall not (and, consistent with its responsibilities under Section 3.03, shall not permit the Servicer to) knowingly or intentionally take any action, or fail to take (or fail to cause to be taken) any action reasonably within its control and the scope of duties more specifically set forth herein, that, under the REMIC Provisions, if taken or not taken, as the case may be, would cause any REMIC to fail to qualify as a REMIC or result in the imposition of a tax upon the Trust Fund (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code) unless the Master Servicer has received an Opinion of Counsel (but not at the expense of the Master Servicer) to the effect that the contemplated action would not cause any REMIC to fail to qualify 

 

as a REMIC or result in the imposition of a tax upon any REMIC. The Trustee shall furnish the Master Servicer, upon written request from a Servicing Officer, with any powers of attorney empowering the Master Servicer or the Servicer to execute and deliver instruments of satisfaction or cancellation, or of partial or full release or discharge, and to foreclose upon or otherwise liquidate Mortgaged Property, and to appeal, prosecute or defend in any court action relating to the Mortgage Loans or the Mortgaged Property, in accordance with the Servicing Agreement and this Agreement, and the Trustee shall execute and deliver such other documents, as the Master Servicer may request, to enable the Master Servicer to master service and administer the Mortgage Loans and carry out its duties hereunder, in each case in accordance with Accepted Master Servicing Practices (and the Trustee shall have no liability for
misuse of any such powers of attorney by the Master Servicer or the Servicer). If the Master Servicer or the Trustee has been advised that it is likely that the laws of the state in which action is to be taken prohibit such action if taken in the name of the Trustee or that the Trustee would be adversely affected under the “doing business” or tax laws of such state if such action is taken in its name, the Master Servicer shall join with the Trustee in the appointment of a co-trustee pursuant to Section 8.10 hereof. In the performance of its duties hereunder, the Master Servicer shall be an independent contractor and shall not, except in those instances where it is taking action in the name of the Trustee, be deemed to be the agent of the Trustee.

	
             
  	
            Section 3.06
 	
            Due-on-Sale Clauses; Assumption Agreements.
 

To the extent provided in the Servicing Agreement, to the extent Mortgage Loans contain enforceable due-on-sale clauses, the Master Servicer shall cause the Servicer to enforce such clauses in accordance with the Servicing Agreement. If applicable law prohibits the enforcement of a due-on-sale clause or such clause is otherwise not enforced in accordance with the Servicing Agreement, and, as a consequence, a Mortgage Loan is assumed, the original Mortgagor may be released from liability in accordance with the Servicing Agreement.

	
             
  	
            Section 3.07
 	
            Release of Mortgage Files.
 

(a)          Upon becoming aware of the payment in full of any Mortgage Loan, or the receipt by the Servicer of a notification that payment in full has been escrowed in a manner customary for such purposes for payment to Certificateholders on the next Distribution Date, the Servicer will, if required under the Servicing Agreement (or if the Servicer does not, the Master Servicer may), promptly furnish to the Custodian, on behalf of the Trustee, two copies of a certification substantially in the form of Exhibit F hereto signed by an officer of the Servicer or in a mutually agreeable electronic format which will, in lieu of a signature on its face, originate from a Servicing Officer (which certification shall include a statement to the effect that all amounts received in connection with such payment
that are required to be deposited in the Protected Account maintained by the Servicer pursuant to Section 3.16 or by the Servicer pursuant to its Servicing Agreement have been or will be so deposited) and shall request that the Custodian, on behalf of the Trustee, deliver to the Servicer the related Mortgage File. Upon receipt of such certification and request, the Custodian, on behalf of the Trustee, shall promptly release the related Mortgage File to the Servicer and the Trustee and Custodian shall have no further responsibility with regard to such Mortgage File. Upon any such payment in full, the Servicer is authorized, to give, as agent for the Trustee, as the mortgagee under the Mortgage that secured the Mortgage Loan, an instrument of satisfaction (or assignment of mortgage without recourse) 

 

regarding the Mortgaged Property subject to the Mortgage, which instrument of satisfaction or assignment, as the case may be, shall be delivered to the Person or Persons entitled thereto against receipt therefor of such payment, it being understood and agreed that no expenses incurred in connection with such instrument of satisfaction or assignment, as the case may be, shall be chargeable to the Protected Account.

(b)          From time to time and as appropriate for the servicing or foreclosure of any Mortgage Loan and in accordance with the Servicing Agreement, the Trustee shall execute such documents as shall be prepared and furnished to the Trustee by the Servicer or the Master Servicer (in form reasonably acceptable to the Trustee) and as are necessary to the prosecution of any such proceedings. The Custodian, on behalf of the Trustee, shall, upon the request of the Servicer or the Master Servicer, and delivery to the Custodian, on behalf of the Trustee, of two copies of a request for release signed by a Servicing Officer substantially in the form of Exhibit F (or in a mutually agreeable electronic format which will, in lieu of a signature on its face, originate from a Servicing Officer), release the
related Mortgage File held in its possession or control to the Servicer or the Master Servicer, as applicable. Such trust receipt shall obligate the Servicer or the Master Servicer to return the Mortgage File to the Custodian on behalf of the Trustee, when the need therefor by the Servicer or the Master Servicer no longer exists unless the Mortgage Loan shall be liquidated, in which case, upon receipt of a certificate of a Servicing Officer similar to that hereinabove specified, the Mortgage File shall be released by the Custodian, on behalf of the Trustee, to the Servicer or the Master Servicer.

Section 3.08     Documents, Records and Funds in Possession of Master Servicer To Be Held for Trustee.

(a)          The Master Servicer shall transmit and the Servicer (to the extent required by the Servicing Agreement) shall transmit to the Trustee or Custodian such documents and instruments coming into the possession of the Master Servicer or the Servicer from time to time as are required by the terms hereof, or in the case of the Servicer, the Servicing Agreement, to be delivered to the Trustee or Custodian. Any funds received by the Master Servicer or by the Servicer in respect of any Mortgage Loan or which otherwise are collected by the Master Servicer or by the Servicer as Liquidation Proceeds, Insurance Proceeds or Subsequent Recoveries in respect of any Mortgage Loan shall be held for the benefit of the Trustee and the Certificateholders subject to the Master Servicer’s right to retain
or withdraw from the Custodial Account the Master Servicing Compensation and other amounts provided in this Agreement, and to the right of the Servicer to retain its Servicing Fee and other amounts as provided in the Servicing Agreement. The Master Servicer shall, and (to the extent provided in the Servicing Agreement) shall cause the Servicer to, provide access to information and documentation regarding the Mortgage Loans to the Trustee, its agents and accountants at any time upon reasonable request and during normal business hours, and to Certificateholders that are savings and loan associations, banks or insurance companies, the Office of Thrift Supervision, the FDIC and the supervisory agents and examiners of such Office and Corporation or examiners of any other federal or state banking or insurance regulatory authority if so required by applicable regulations of the Office of Thrift Supervision or other regulatory authority, such access to be afforded without charge but only upon
reasonable request in writing and during normal business hours at the offices of the Master Servicer designated by it. In fulfilling such a request the Master Servicer shall not be responsible for determining the sufficiency of such information.

 

 

(b)          All Mortgage Files and funds collected or held by, or under the control of, the Master Servicer, in respect of any Mortgage Loans, whether from the collection of principal and interest payments or from Liquidation Proceeds, Insurance Proceeds or Subsequent Recoveries, shall be held by the Master Servicer for and on behalf of the Trustee and the Certificateholders and shall be and remain the sole and exclusive property of the Trustee; provided, however, that the Master Servicer and the Servicer shall be entitled to setoff against, and deduct from, any such funds any amounts that are properly due and payable to the Master Servicer or the Servicer under this Agreement or the Servicing Agreement.

	
             
  	
            Section 3.09
 	
            Standard Hazard Insurance and Flood Insurance Policies.
 

(a)          For each Mortgage Loan, the Master Servicer shall enforce any obligation of the Servicer under the Servicing Agreement to maintain or cause to be maintained standard fire and casualty insurance and, where applicable, flood insurance, all in accordance with the provisions of the Servicing Agreement. It is understood and agreed that such insurance shall be with insurers meeting the eligibility requirements set forth in the Servicing Agreement and that no earthquake or other additional insurance is to be required of any Mortgagor or to be maintained on property acquired in respect of a defaulted loan, other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance.

(b)          Pursuant to Section 3.16 and 3.17, any amounts collected by the Servicer or the Master Servicer, or by the Servicer, under any insurance policies (other than amounts to be applied to the restoration or repair of the property subject to the related Mortgage or released to the Mortgagor in accordance with the Servicing Agreement) shall be deposited into the Custodial Account, subject to withdrawal pursuant to Section 3.17 and 3.18. Any cost incurred by the Master Servicer or the Servicer in maintaining any such insurance if the Mortgagor defaults in its obligation to do so shall be added to the amount owing under the Mortgage Loan where the terms of the Mortgage Loan so permit; provided, however, that the addition of any such cost shall not be taken into account for purposes of
calculating the distributions to be made to Certificateholders and shall be recoverable by the Master Servicer or the Servicer pursuant to Section 3.17 and 3.18.

	
             
  	
            Section 3.10
 	
            Presentment of Claims and Collection of Proceeds.
 

The Master Servicer shall (to the extent provided in the Servicing Agreement) cause the Servicer to prepare and present on behalf of the Trustee and the Certificateholders all claims under the Insurance Policies and take such actions (including the negotiation, settlement, compromise or enforcement of the insured’s claim) as shall be necessary to realize recovery under such policies. Any proceeds disbursed to the Master Servicer (or disbursed to the Servicer and remitted to the Master Servicer) in respect of such policies, bonds or contracts shall be promptly deposited in the Custodial Account upon receipt, except that any amounts realized that are to be applied to the repair or restoration of the related Mortgaged Property as a condition precedent to the presentation of claims on the related Mortgage Loan to the insurer under any applicable Insurance Policy need not be so deposited
(or remitted).

 

 

	
             
  	
            Section 3.11
 	
            Maintenance of the Primary Mortgage Insurance Policies.
 

(a)          The Master Servicer shall not take, or permit the Servicer (to the extent such action is prohibited under the Servicing Agreement) to take, any action that would result in noncoverage under any applicable Primary Mortgage Insurance Policy of any loss which, but for the actions of the Master Servicer or the Servicer, would have been covered thereunder. The Master Servicer shall use its best reasonable efforts to cause the Servicer (to the extent required under the Servicing Agreement) to keep in force and effect (to the extent that the Mortgage Loan requires the Mortgagor to maintain such insurance), primary mortgage insurance applicable to each Mortgage Loan in accordance with the provisions of this Agreement and the Servicing Agreement, as applicable. The Master Servicer shall not, and
shall not permit the Servicer (to the extent required under the Servicing Agreement) to, cancel or refuse to renew any such Primary Mortgage Insurance Policy that is in effect at the date of the initial issuance of the Mortgage Note and is required to be kept in force hereunder except in accordance with the provisions of this Agreement and the Servicing Agreement, as applicable.

(b)          The Master Servicer agrees to present, or to cause the Servicer (to the extent required under the Servicing Agreement) to present, on behalf of the Trustee and the Certificateholders, claims to the insurer under any Primary Mortgage Insurance Policies and, in this regard, to take such reasonable action as shall be necessary to permit recovery under any Primary Mortgage Insurance Policies respecting defaulted Mortgage Loans. Pursuant to Section 3.16 and 3.17, any amounts collected by the Master Servicer or the Servicer under any Primary Mortgage Insurance Policies shall be deposited in the Custodial Account, subject to withdrawal pursuant to Sections 3.17 and 3.18.

Section 3.12      Trustee to Retain Possession of Certain Insurance Policies and Documents.

The Trustee (or the Custodian, as directed by the Trustee), shall retain possession and custody of the originals (to the extent available) of any Primary Mortgage Insurance Policies, or certificate of insurance if applicable, and any certificates of renewal as to the foregoing as may be issued from time to time as contemplated by this Agreement. Until all amounts distributable in respect of the Certificates have been distributed in full and the Master Servicer otherwise has fulfilled its obligations under this Agreement, the Trustee (or its Custodian, if any, as directed by the Trustee) shall also retain possession and custody of each Mortgage File in accordance with and subject to the terms and conditions of this Agreement. The Master Servicer shall promptly deliver or cause to be delivered to the Trustee (or the Custodian, as directed by the Trustee), upon the execution or receipt
thereof the originals of any Primary Mortgage Insurance Policies, any certificates of renewal, and such other documents or instruments that constitute portions of the Mortgage File that come into the possession of the Master Servicer from time to time.

	
             
  	
            Section 3.13
 	
            Realization Upon Defaulted Mortgage Loans.
 

The Master Servicer shall cause the Servicer (to the extent required under the Servicing Agreement) to foreclose upon, repossess or otherwise comparably convert the ownership of Mortgaged Properties securing such of the Mortgage Loans as come into and continue in default 

 

and as to which no satisfactory arrangements can be made for collection of delinquent payments, all in accordance with the Servicing Agreement.

	
             
  	
            Section 3.14
 	
            Compensation for the Master Servicer.
 

The Master Servicer will be entitled to all income and gain realized from any investment of funds in the Certificate Account and the Custodial Account, pursuant to Article IV, for the performance of its activities hereunder.  Servicing compensation in the form of assumption fees, if any, late payment charges, as collected, if any, or otherwise (but not including any Prepayment Charge) shall be retained by the Servicer and shall not be deposited in the Protected Account. The Master Servicer shall be required to pay all expenses incurred by it in connection with its activities hereunder and shall not be entitled to reimbursement therefor except as provided in this Agreement.

	
             
  	
            Section 3.15
 	
            REO Property.
 

(a)          In the event the Trust Fund acquires ownership of any REO Property in respect of any related Mortgage Loan, the deed or certificate of sale shall be issued to the Trustee, or to its nominee, on behalf of the related Certificateholders. The Master Servicer shall, to the extent provided in the Servicing Agreement, cause the Servicer to sell any REO Property as expeditiously as possible and in accordance with the provisions of this Agreement and the Servicing Agreement, as applicable. Pursuant to its efforts to sell such REO Property, the Master Servicer shall cause the Servicer to protect and conserve, such REO Property in the manner and to the extent required by the Servicing Agreement, in accordance with the REMIC Provisions and in a manner that does not result in a tax on “net
income from foreclosure property” or cause such REO Property to fail to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code.

(b)          The Master Servicer shall, to the extent required by the Servicing Agreement, cause the Servicer to deposit all funds collected and received in connection with the operation of any REO Property in the Protected Account.

(c)          The Master Servicer and the Servicer, upon the final disposition of any REO Property, shall be entitled to reimbursement for any related unreimbursed Monthly Advances and other unreimbursed advances as well as any unpaid Servicing Fees from Liquidation Proceeds received in connection with the final disposition of such REO Property; provided, that any such unreimbursed Monthly Advances as well as any unpaid Servicing Fees may be reimbursed or paid, as the case may be, prior to final disposition, out of any net rental income or other net amounts derived from such REO Property.

(d)          To the extent provided in the Servicing Agreement, the Liquidation Proceeds from the final disposition of the REO Property, net of any payment to the Master Servicer and the Servicer as provided above shall be deposited in the Protected Account on or prior to the Determination Date in the month following receipt thereof and be remitted by wire transfer in immediately available funds to the Master Servicer for deposit into the related Custodial Account on the next succeeding Servicer Remittance Date.

 

 

	
             
  	
            Section 3.16
 	
            Protected Accounts.
 

(a)          The Master Servicer shall enforce the obligation of the Servicer to establish and maintain a Protected Account in accordance with the Servicing Agreement, with records to be kept with respect thereto on a Mortgage Loan by Mortgage Loan basis, into which accounts shall be deposited within 48 hours (or as of such other time specified in the Servicing Agreement) of receipt, all collections of principal and interest on any Mortgage Loan and any REO Property received by the Servicer, including Principal Prepayments, Insurance Proceeds, Liquidation Proceeds, and advances made from the Servicer’s own funds (less servicing compensation as permitted by the Servicing Agreement in the case of the Servicer) and all other amounts to be deposited in the Protected Account. The Servicer is hereby
authorized to make withdrawals from and deposits to the related Protected Account for purposes required or permitted by this Agreement. To the extent provided in the Servicing Agreement, the Protected Account shall be held by a Designated Depository Institution and segregated on the books of such institution in the name of the Trustee for the benefit of Certificateholders.

(b)          To the extent provided in the Servicing Agreement, amounts on deposit in a Protected Account may be invested in Permitted Investments in the name of the Trustee for the benefit of Certificateholders and, except as provided in the preceding paragraph, not commingled with any other funds.  Such Permitted Investments shall mature, or shall be subject to redemption or withdrawal, no later than the date on which such funds are required to be withdrawn for deposit in the Custodial Account, and shall be held until required for such deposit. The income earned from Permitted Investments made pursuant to this Section 3.16 shall be paid to the Servicer under the Servicing Agreement, and the risk of loss of moneys required to be distributed to the Certificateholders resulting from such investments
shall be borne by and be the risk of the Servicer. The Servicer (to the extent provided in the Servicing Agreement) shall deposit the amount of any such loss in the Protected Account within two Business Days of receipt of notification of such loss but not later than the second Business Day prior to the Distribution Date on which the moneys so invested are required to be distributed to the Certificateholders.

(c)          To the extent provided in the Servicing Agreement and subject to this Article III, on or before each Servicer Remittance Date, the Servicer shall withdraw or shall cause to be withdrawn from its Protected Accounts and shall immediately deposit or cause to be deposited in the Custodial Account amounts representing the following collections and payments (other than with respect to principal of or interest on the Mortgage Loans due on or before the Cut-off Date):

(1)          Scheduled payments on the Mortgage Loans received or any related portion thereof advanced by the Servicer pursuant to its Servicing Agreement which were due on or before the related Due Date, net of the amount thereof comprising its Servicing Fee or any fees with respect to any lender-paid primary mortgage insurance policy;

(2)          Full Principal Prepayments and any Liquidation Proceeds received by the Servicer with respect to the Mortgage Loans in the related Prepayment Period, with interest to the date of prepayment or liquidation, net of the amount thereof comprising its Servicing Fee;

 

 

(3)          Partial Principal Prepayments received by the Servicer for the Mortgage Loans in the related Prepayment Period; and

	
             
  	
            (4)
 	
            Any amount to be used as a Monthly Advance.
 

(d)          Withdrawals may be made from an Account only to make remittances as provided in the Servicing Agreement; to reimburse the Master Servicer or the Servicer for Monthly Advances which have been recovered by subsequent collections from the related Mortgagor; to remove amounts deposited in error; to remove fees, charges or other such amounts deposited on a temporary basis; or to clear and terminate the account at the termination of this Agreement in accordance with Section 10.01. As provided in Sections 3.16(a) and 3.17(b) certain amounts otherwise due to the Servicer may be retained by them and need not be deposited in the Custodial Account.

	
             
  	
            Section 3.17
 	
            Custodial Account.
 

(a)          The Master Servicer shall establish and maintain in the name of the Trustee, for the benefit of the Certificateholders, the Custodial Account as a segregated trust account or accounts. The Custodial Account shall be an Eligible Account. The Master Servicer will deposit in the Custodial Account as identified by the Master Servicer and as received by the Master Servicer from the Servicer, the following amounts:

	
             
  	
            (1)
 	
            Any amounts withdrawn from a Protected Account;
 	
             

	
             
  	
            (2)
 	
            Any Monthly Advance and any payments of Compensating Interest;
 

(3)          Any Insurance Proceeds, Net Liquidation Proceeds or Subsequent Recoveries received by or on behalf of the Servicer or Master Servicer or which were not deposited in a Protected Account;

(4)          The Purchase Price with respect to any Mortgage Loans purchased by the Seller pursuant to the Mortgage Loan Purchase Agreement or Sections 2.02 or 2.03 hereof, any amounts which are to be treated pursuant to Section 2.04 of this Agreement as the payment of a Purchase Price in connection with the tender of a Substitute Mortgage Loan by the Seller, the Purchase Price with respect to any Mortgage Loans purchased by the Company pursuant to Section 2.04, and all proceeds of any Mortgage Loans or property acquired with respect thereto repurchased by the Company or its designee pursuant to Section 10.01;

(5)          Any amounts required to be deposited with respect to losses on investments of deposits in an Account; and

(6)          Any other amounts received by or on behalf of the Master Servicer and required to be deposited in the Custodial Account pursuant to this Agreement.

(b)          All amounts deposited to the Custodial Account shall be held by the Master Servicer in the name of the Trustee in trust for the benefit of the Certificateholders in accordance with the terms and provisions of this Agreement. The requirements for crediting the Custodial 

 

Account or the Certificate Account shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments in the nature of (i) prepayment or late payment charges or assumption, tax service, statement account or payoff, substitution, satisfaction, release and other like fees and charges and (ii) the items enumerated in Subsection 3.20(a) need not be credited by the Master Servicer or the Servicer to the Certificate Account or the Custodial Account, as applicable. In the event that the Master Servicer shall deposit or cause to be deposited to the Custodial Account any amount not required to be credited thereto, the Securities Administrator, upon receipt of a written request therefor signed by a Servicing Officer of the Master Servicer, shall promptly transfer such amount to the Master Servicer, any provision herein to the contrary notwithstanding.

(c)          The amount at any time credited to the Custodial Account may be invested, in the name of the Trustee, or its nominee, for the benefit of the Certificateholders, in Permitted Investments as directed by Master Servicer. All Permitted Investments shall mature or be subject to redemption or withdrawal on or before, and shall be held until, the next succeeding Certificate Account Deposit Date. Any and all investment earnings on amounts on deposit in the Master Servicer Account from time to time shall be for the account of the Master Servicer. The Master Servicer from time to time shall be permitted to withdraw or receive distribution of any and all investment earnings from the Master Servicer Account. The risk of loss of moneys required to be distributed to the Certificateholders resulting
from such investments shall be borne by and be the risk of the Master Servicer. The Master Servicer shall deposit the amount of any such loss in the Custodial Account within two Business Days of receipt of notification of such loss but not later than the second Business Day prior to the Distribution Date on which the moneys so invested are required to be distributed to the Certificateholders.

	
             
  	
            Section 3.18
 	
            Permitted Withdrawals and Transfers from the Custodial Account.
 

(a)          The Master Servicer will, from time to time on demand of the Servicer or the Securities Administrator, make or cause to be made such withdrawals or transfers from the Custodial Account as the Master Servicer has designated for such transfer or withdrawal pursuant to this Agreement and the Servicing Agreement. The Master Servicer may clear and terminate the Custodial Account pursuant to Section 10.01 and remove amounts from time to time deposited in error.

(b)          On an ongoing basis, the Master Servicer shall withdraw from the Custodial Account (i) any expenses recoverable by the Trustee, the Master Servicer or the Securities Administrator or the Custodian pursuant to Sections 3.03 and 6.03 and (ii) any amounts payable to the Master Servicer as set forth in Section 3.14.

(c)          In addition, on or before each Certificate Account Deposit Date, the Master Servicer shall deposit in the Certificate Account (or remit to the Securities Administrator for deposit therein) any Monthly Advances required to be made by the Master Servicer with respect to the Mortgage Loans.

(d)          No later than 3:00 p.m. New York time on each Certificate Account Deposit Date, the Master Servicer will transfer all Available Distribution Amount on deposit in the Custodial 

 

Account with respect to the related Distribution Date to the Securities Administrator for deposit in the Certificate Account.

	
             
  	
            Section 3.19
 	
            Certificate Account.
 

(a)          The Securities Administrator shall establish and maintain in the name of the Trustee, for the benefit of the Certificateholders, the Certificate Account as a segregated trust account or accounts and it may be a sub-account of the Custodial Account.

(b)          All amounts deposited to the Certificate Account shall be held by the Trustee in the name of the Trustee in trust for the benefit of the Certificateholders in accordance with the terms and provisions of this Agreement.

(c)          The Certificate Account shall constitute a trust account of the Trust Fund segregated on the books of the Securities Administrator on behalf of the Trustee, and the Certificate Account and the funds deposited therein shall not be subject to, and shall be protected from, all claims, liens, and encumbrances of any creditors or depositors of the Trustee, the Securities Administrator or the Master Servicer (whether made directly, or indirectly through a liquidator or receiver of the Trustee or the Master Servicer). The Certificate Account shall be an Eligible Account.  The Certificate Account may be a sub-account of the Custodial Account and in such case any withdrawals from the Custodial Account and deposits into the Certificate Account shall be deemed to have been made.  The amount at any
time credited to the Certificate Account shall be (i) held in cash and fully insured by the FDIC to the maximum coverage provided thereby or (ii) invested in the name of the Trustee, in such Permitted Investments selected by the Securities Administrator or deposited in demand deposits with such depository institutions as selected by the Securities Administrator, provided that time deposits of such depository institutions would be a Permitted Investment. All Permitted Investments shall mature or be subject to redemption or withdrawal on or before, and shall be held until, the next succeeding Distribution Date if the obligor, manager or advisor for such Permitted Investment is an affiliate of the Securities Administrator or, if such obligor is any other Person, the Business Day preceding such Distribution Date. All investment earnings on amounts on deposit in the Certificate Account or benefit from funds uninvested therein from time to time shall be for the account of the Securities
Administrator. The Securities Administrator shall be permitted to withdraw or receive distribution of any and all investment earnings from the Certificate Account on each Distribution Date. If there is any loss on a Permitted Investment or demand deposit, the Securities Administrator shall deposit the amount of the loss to the Certificate Account. With respect to the Certificate Account and the funds deposited therein, the Master Servicer shall take such action as may be necessary to ensure that the Certificateholders shall be entitled to the priorities afforded to such a trust account (in addition to a claim against the estate of the Trustee) as provided by 12 U.S.C. § 92a(e), and applicable regulations pursuant thereto, if applicable, or any applicable comparable state statute applicable to state chartered banking corporations.

	
             
  	
            Section 3.20
 	
            Permitted Withdrawals and Transfers from the Certificate Account.
 

(a)          The Securities Administrator will, from time to time, make or cause to be made such withdrawals or transfers from the Certificate Account as the Securities Administrator has 

 

designated for such transfer or withdrawal pursuant to this Agreement and the Servicing Agreement:

(1)          to reimburse the Master Servicer or the Servicer for any Monthly Advance of its own funds, the right of the Master Servicer or the Servicer to reimbursement pursuant to this subclause (i) being limited to amounts received on a particular Mortgage Loan (including, for this purpose, the Purchase Price therefor, Insurance Proceeds and Liquidation Proceeds) which represent late payments or recoveries of the principal of or interest on such Mortgage Loan respecting which such Monthly Advance was made;

(2)          to reimburse the Master Servicer or the Servicer from Insurance Proceeds or Liquidation Proceeds relating to a particular Mortgage Loan for amounts expended by the Master Servicer or the Servicer in good faith in connection with the restoration of the related Mortgaged Property which was damaged by an Uninsured Cause or in connection with the liquidation of such Mortgage Loan;

(3)          to reimburse the Master Servicer or the Servicer from Insurance Proceeds relating to a particular Mortgage Loan for insured expenses incurred with respect to such Mortgage Loan and to reimburse the Master Servicer or the Servicer from Liquidation Proceeds from a particular Mortgage Loan for Liquidation Expenses incurred with respect to such Mortgage Loan; provided that the Master Servicer shall not be entitled to reimbursement for Liquidation Expenses with respect to a Mortgage Loan to the extent that (i) any amounts with respect to such Mortgage Loan were paid as Excess Liquidation Proceeds pursuant to clause (xi) of this Subsection 3.20(a) to the Master Servicer; and (ii) such Liquidation Expenses were not included in the computation of such Excess Liquidation Proceeds;

(4)          to reimburse the Master Servicer or the Servicer for advances of funds (other than Monthly Advances) made with respect to the Mortgage Loans, and the right to reimbursement pursuant to this subclause being limited to amounts received on the related Mortgage Loan (including, for this purpose, the Purchase Price therefor, Insurance Proceeds and Liquidation Proceeds) which represent late recoveries of the payments for which such advances were made;

(5)          to reimburse the Master Servicer or the Servicer for any Monthly Advance or advance, after a Realized Loss has been allocated with respect to the related Mortgage Loan if the Monthly Advance or advance has not been reimbursed pursuant to clauses (1) and (4);

	
             
  	
            (6)
 	
            to pay the Master Servicer as set forth in Section 3.14;
 

(7)          to reimburse the Master Servicer for expenses, costs and liabilities incurred by and reimbursable to it pursuant to Sections 3.03 and 6.03;

(8)          to pay to the Master Servicer, as additional servicing compensation, any Excess Liquidation Proceeds to the extent not retained by the Servicer;

 

 

(9)          to reimburse or pay the Servicer any such amounts as are due thereto under the Servicing Agreement and have not been retained by or paid to the Servicer, to the extent provided in the Servicing Agreement;

(10)        to reimburse the Trustee, the Securities Administrator or the Custodian for expenses, costs and liabilities incurred by or reimbursable to it pursuant to this Agreement;

	
             
  	
            (11)
 	
            to remove amounts deposited in error;
 	
             

	
             
  	
            (12)
 	
            to pay the Certificate Insurer the Class II-A1D2 Premium; and
 	
             

	
             
  	
            (13)
 	
            to clear and terminate the Certificate Account pursuant to Section 9.01.
 
					

(b)          The Master Servicer shall keep and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for the purpose of accounting for any reimbursement from the Certificate Account pursuant to subclauses (1) through (4) immediately above or with respect to any such amounts which would have been covered by such subclauses had the amounts not been retained by the Master Servicer without being deposited in the Certificate Account under Section 3.18(b).

(c)          On each Distribution Date, the Securities Administrator shall distribute the Available Distribution Amount to the extent on deposit in the Certificate Account to the Holders of the Certificates and determined by the Securities Administrator.

	
             
  	
            Section 3.21
 	
            Annual Officer’s Certificate as to Compliance.
 

(a)          The Master Servicer shall deliver to the Trustee, the Certificate Insurer and the Rating Agencies on or before March 1 of each year, commencing on March 1, 2006, an Officer’s Certificate, certifying that with respect to the period ending December 31 of the prior year:  (i) such Servicing Officer has reviewed the activities of such Master Servicer during the preceding calendar year or portion thereof and its performance under this Agreement, (ii) to the best of such Servicing Officer’s knowledge, based on such review, such Master Servicer has performed and fulfilled its duties, responsibilities and obligations under this Agreement in all material respects throughout such year, or, if there has been a default in the fulfillment of any such duties, responsibilities or
obligations, specifying each such default known to such Servicing Officer and the nature and status thereof, (iii) nothing has come to the attention of such Servicing Officer to lead such Servicing Officer to believe that the Servicer has failed to perform any of its duties, responsibilities and obligations under the Servicing Agreement in all material respects throughout such year, or, if there has been a material default in the performance or fulfillment of any such duties, responsibilities or obligations, specifying each such default known to such Servicing Officer and the nature and status thereof.

(b)          Copies of such statements shall be provided to any Certificateholder upon request, by the Master Servicer or by the Securities Administrator at the Master Servicer’s expense if the Master Servicer failed to provide such copies.

 

 

	
             
  	
            Section 3.22
 	
            Annual Independent Accountant’s Servicing Report.
 

If the Master Servicer has, during the course of any fiscal year, directly serviced any of the Mortgage Loans, then the Master Servicer at its expense shall cause a nationally recognized firm of independent certified public accountants to furnish a statement to the Trustee, the Rating Agencies, the Certificate Insurer and the Company on or before March 1 of each year, commencing on March 1, 2006 to the effect that, with respect to the most recently ended fiscal year, such firm has examined certain records and documents relating to the Master Servicer’s performance of its servicing obligations under this Agreement and pooling and servicing and trust agreements in material respects similar to this Agreement and to each other and that, on the basis of such examination conducted substantially in compliance with the audit program for mortgages serviced for Freddie Mac or the Uniform
Single Attestation Program for Mortgage Bankers, such firm is of the opinion that the Master Servicer’s activities have been conducted in compliance with this Agreement, or that such examination has disclosed no material items of noncompliance except for (i) such exceptions as such firm believes to be immaterial, (ii) such other exceptions as are set forth in such statement and (iii) such exceptions that the Uniform Single Attestation Program for Mortgage Bankers or the Audit Program for Mortgages Serviced by Freddie Mac requires it to report. Copies of such statements shall be provided to any Certificateholder upon request by the Master Servicer, or by the Securities Administrator at the expense of the Master Servicer. If such report discloses exceptions that are material, the Master Servicer shall advise the Trustee whether such exceptions have been or are susceptible of cure, and will take prompt action to do so.

	
             
  	
            Section 3.23
 	
            Reports Filed with Securities and Exchange Commission.
 

Within 15 days after each Distribution Date, the Securities Administrator shall, in accordance with industry standards, file with the Commission via EDGAR, a Form 8-K with a copy of the statement to the Certificateholders for such Distribution Date as an exhibit thereto.  Prior to January 30 in any year, the Securities Administrator shall, in accordance with industry standards and unless otherwise instructed by the Company, file a Form 15 Suspension Notice with respect to the Trust Fund, if applicable. Prior to (i) March 15, 2006 and (ii) unless and until a Form 15 Suspension Notice shall have been filed, prior to March 15 of each year thereafter, the Master Servicer shall provide the Securities Administrator with a Master Servicer Certification, together with a copy of the annual independent accountant’s servicing report and annual statement of compliance of the Servicer, in each
case, required to be delivered pursuant to the Servicing Agreement, and, if applicable, the annual statement of compliance, and the annual independent accountant’s servicing report to be delivered by the Master Servicer pursuant to Sections 3.21 and 3.22.  Prior to (i) March 31, 2006, or such earlier filing date as may be required by the Commission, and (ii) unless and until a Form 15 Suspension Notice shall have been filed, March 31 of each year thereafter, or such earlier filing date as may be required by the Commission, the Securities Administrator shall file a Form 10-K, in substance conforming to industry standards, with respect to the Trust. Such Form 10-K shall include the Master Servicer Certification and other documentation provided by the Master Servicer pursuant to the second preceding sentence. The Company hereby grants to the Securities Administrator a limited power of attorney to execute and file each such document on behalf of the Company. Such power of attorney
shall continue until either the earlier of (i) receipt by the Securities Administrator from the Company of written termination of such power of attorney and (ii) the termination of the 

 

Trust Fund. The Company agrees to promptly furnish to the Securities Administrator, from time to time upon request, such further information, reports and financial statements within its control related to this Agreement and the Mortgage Loans as the Securities Administrator reasonably deems appropriate to prepare and file all necessary reports with the Commission. The Securities Administrator shall have no responsibility to file any items other than those specified in this Section 3.23; provided, however, the Securities Administrator will cooperate with the Company in connection with any additional filings with respect to the Trust Fund as the Company deems necessary under the Exchange Act. Fees and expenses incurred by the Securities Administrator in connection with this Section 3.23 shall not be reimbursable from the Trust Fund.

	
             
  	
            Section 3.24
 	
            UCC.
 

The Company shall inform the Trustee in writing of any Uniform Commercial Code financing statements that were filed on the Closing Date in connection with the Trust with stamped recorded copies of such financing statements to be delivered to the Trustee promptly upon receipt by the Company.  The Trustee agrees to monitor and notify the Company if any continuation statements for such Uniform Commercial Code financing statements need to be filed. If directed by the Company in writing, the Trustee will file any such continuation statements solely at the expense of the Company. The Company shall file any financing statements or amendments thereto required by any change in the Uniform Commercial Code.

	
             
  	
            Section 3.25
 	
            Optional Purchase of Defaulted Mortgage Loans.
 

(a)          During the first full calendar month (but excluding the last Business Day thereof) following a Mortgage Loan or related REO Property becoming 90 days or more delinquent, the Seller shall have the option, but not the obligation to purchase from the Trust Fund any such Mortgage Loan or related REO Property that is then still 90 days or more delinquent, which the Seller determines in good faith will otherwise become subject to foreclosure proceedings (evidence of such determination to be delivered in writing to the Trustee prior to purchase), at a price equal to the Purchase Price.  The Purchase Price for any Mortgage Loan or related REO Property purchased hereunder shall be deposited in the Custodial Account, and the Trustee, upon written certification of such deposit, shall release or
cause to be released to the Seller the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as the Seller shall furnish and as shall be necessary to vest in the Seller title to any Mortgage Loan or related REO Property released pursuant hereto.

If with respect to any delinquent Mortgage Loan or related REO Property, the option of the Seller set forth in the preceding paragraph shall have arisen but the Seller shall have failed to exercise such option on or before the Business Day preceding the last Business Day of the calendar month following the calendar month during which such Mortgage Loan or related REO Property first became 90 days or more delinquent, then such option shall automatically expire; provided, however, that if any such Mortgage Loan or related REO Property shall cease to be 90 days or more delinquent but then subsequently shall again become 90 days or more delinquent, then the Seller shall be entitled to another repurchase option with respect to such Mortgage Loan or REO Property as provided in the preceding paragraph.

 

 

ARTICLE IV

 

PAYMENTS TO CERTIFICATEHOLDERS

	
             
  	
            Section 4.01
 	
            Distributions.
 

(a)          On each Distribution Date the Securities Administrator shall distribute to each Certificateholder of record as of the next preceding Record Date (other than as provided in Section 9.01 respecting the final distribution) either in immediately available funds (by wire transfer or otherwise) to the account of such Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder has so notified the Securities Administrator at least 5 Business Days prior to the related Record Date, or otherwise by check mailed to such Certificateholder at the address of such Holder appearing in the Certificate Register, such Certificateholder’s share (based on the aggregate of the Percentage Interests represented by Certificates of the applicable Class held
by such Holder) of the amounts required to be distributed to such Holder pursuant to this Section 4.01. Payments to the Certificate Insurer shall be made by wire transfer of immediately available funds to the following account, unless the Certificate Insurer notifies the Securities Administrator in writing:  Financial Security Assurance Inc., Account Number 8900297263, Bank – The Bank of New York, ABA Number 021000018, Re:  Opteum 2005-5 – Policy No. 51696-N, Class II-A1D2 Certificates.

Net Swap Payments and Swap Termination Payments (other than Swap Termination Payments resulting from a Swap Provider Trigger Event) payable by the Supplemental Interest Trust to the Swap Provider pursuant to the Swap Agreement shall be deducted from Interest Remittance Amount, and to the extent of any such remaining amounts due, from Principal Remittance Amount, prior to any distributions to the Certificateholders. On each Distribution Date, such amounts will be remitted to the Supplemental Interest Trust, first to make any Net Swap Payment owed to the Swap Provider pursuant to the Swap Agreement for such Distribution Date, and second to make any Swap Termination Payment (not due to a Swap Provider Trigger Event) owed to the Swap Provider pursuant to the Swap Agreement for such Distribution Date.  Any Swap Termination Payment triggered by a Swap Provider Trigger Event owed to the Swap
Provider pursuant to the Swap Agreement will be subordinated to distributions to the Holders of the Offered Certificates and shall be paid as set forth in Section 4.01(c)(v).

Reimbursement to the Certificate Insurer for payments made under the Class II-A1D2 Policy as provided in this Section 4.01 shall not include any interest on amounts paid by the Certificate Insurer under the Class II-A1D2 Policy and not yet reimbursed other than any Interest Carry Forward Amount received by the Certificate Insurer as subrogee.

On each Distribution Date, the Securities Administrator shall withdraw from the Certificate Account that portion of Available Distribution Amount for such Distribution Date consisting of the Interest Remittance Amount for such Distribution Date, and make the following disbursements and transfers in the order of priority described below, in each case to the extent of the Interest Remittance Amount remaining for such Class for such Distribution Date;

 

 

(i)           concurrently, on a pro rata basis, to the Holders of the Class A Certificates, the related Accrued Certificate Interest for such Class and any Interest Carry Forward Amount for such Class for such Distribution Date; 

(ii)          to the Certificate Insurer (without duplication or limitation of the Certificate Insurer's rights of subrogation and assignment), the amount of all interest payments made by the Certificate Insurer pursuant to the Class II-A1D2 Policy which have not been previously repaid; and

(iii)        sequentially, to the Holders of the Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates, in that order, the related Accrued Certificate Interest for such Class for such Distribution Date.

With respect to each Class of Class A Certificates and any Distribution Date, the aggregate amount of Accrued Certificate Interest to be distributed to the Holders of such Class of Class A Certificates for that Distribution Date, plus any related Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any related Prepayment Interest Shortfalls for that Distribution Date and any Relief Act Shortfalls allocated as described herein from the sources and in the priority as follows:

	
             
  	
            (i)
 	
            from the Interest Remittance Amount derived from the related Sub-Group;
 

(ii)          from the Interest Remittance Amount derived from the non-related Sub-Group after taking into account any payments in respect of interest to the other Classes of Class A Certificates made in (i) above;

(iii)        from the Principal Remittance Amount derived from the related Sub-Group; and

(iv)         from the Principal Remittance Amount derived from the non-related Sub-Group after taking into account any payments in respect of interest on the other Classes of Class A Certificates made in (iii) above.

(b)          (i)          On each Distribution Date (a) prior to the Stepdown Date or (b) on which a Trigger Event is in effect, the Holders of each Class of the Class A Certificates and Class M Certificates shall be entitled to receive distributions in respect of principal from that portion of Available Distribution Amount to the extent of the Principal Distribution Amount remaining after distribution of interest to the Class A Certificates in the following amounts and order of priority:

(1)          to the Class A Certificates, in the order and priority set forth in clause (d) below, until the Certificate Principal Balances thereof have been reduced to zero;

(2)          to the Certificate Insurer (without duplication or limitation of the Certificate Insurer's rights of subrogation and assignment), the amount of all principal payments made by the Certificate Insurer pursuant to the Class II-A1D2 Policy which have not been previously repaid; and

 

 

(3)          sequentially,  to the Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates, in that order, until the Certificate Principal Balance of each such Class is reduced to zero. 

(ii)          On each Distribution Date (a) on or after the Stepdown Date and (b) on which a Trigger Event is not in effect, the Holders of each Class of the Class A Certificates and Class M Certificates shall be entitled to receive distributions in respect of principal from that portion of Available Distribution Amount to the extent of the Principal Distribution Amount in the following amounts and order of priority: 

(1)          first, to the Class I-A Principal Distribution Amount and the Class II-A Principal Distribution Amount shall be distributed to the Holders of the Class I-A Certificates and of the Class II-A Certificates, respectively, in the order and priority set forth in clause (d) below, until the Certificate Principal Balances thereof have been reduced to zero

(2)          second, to the Certificate Insurer (without duplication or limitation of the Certificate Insurer's rights of subrogation and assignment), the amount of all principal payments made by the Certificate Insurer pursuant to the Class II-A1D2 Policy which have not been previously repaid; 

(3)          third, to the Holders of the Class M-1 Certificates, the Class M-1 Principal Distribution Amount until the Certificate Principal Balance thereof has been reduced to zero; 

(4)          fourth, to the Holders of the Class M-2 Certificates, the Class M-2 Principal Distribution Amount until the Certificate Principal Balance thereof has been reduced to zero; 

(5)          fifth, to the Holders of the Class M-3 Certificates, the Class M-3 Principal Distribution Amount until the Certificate Principal Balance thereof has been reduced to zero; 

(6)          sixth, to the Holders of the Class M-4 Certificates, the Class M-4 Principal Distribution Amount until the Certificate Principal Balance thereof has been reduced to zero; 

(7)          seventh, to the Holders of the Class M-5 Certificates, the Class M-5 Principal Distribution Amount until the Certificate Principal Balance thereof has been reduced to zero; 

(8)          eighth, to the Holders of the Class M-6 Certificates, the Class M-6 Principal Distribution Amount until the Certificate Principal Balance thereof has been reduced to zero; 

 

 

(9)          ninth, to the Holders of the Class M-7 Certificates, the Class M-7 Principal Distribution Amount until the Certificate Principal Balance thereof has been reduced to zero; 

(10)        tenth, to the Holders of the Class M-8 Certificates, the Class M-8 Principal Distribution Amount until the Certificate Principal Balance thereof has been reduced to zero; 

(11)        eleventh, to the Holders of the Class M-9 Certificates, the Class M-9 Principal Distribution Amount until the Certificate Principal Balance thereof has been reduced to zero; and

(12)        twelfth, to the Holders of the Class M-10 Certificates, the Class M-10 Principal Distribution Amount until the Certificate Principal Balance thereof has been reduced to zero. 

(c)          On each Distribution Date, the Net Monthly Excess Cashflow shall be distributed in the following order of priority, in each case to the extent of the Net Monthly Excess Cashflow remaining for such Distribution Date:

(i)           first, to the Holders of the Class A Certificates and Class M Certificates then entitled to receive distributions in respect of principal, in an amount equal to any Extra Principal Distribution Amount, payable to such Holders as part of the Principal Distribution Amount as described under Section 4.01(b) above

(ii)          second, to the Certificate Insurer, (without duplication or limitation of the Certificate Insurer's rights of subrogation and assignment) the amount of all payments made by the Certificate Insurer pursuant to the Class II-A1D2 Policy which have not been previously repaid;

(iii)        third, sequentially to the Holders of the Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates, in that order, in an amount equal to any Interest Carry Forward Amount for such Class or Classes;

(iv)         fourth, sequentially to the Holders of the Class I-A2, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates, in that order, in an amount equal to any Allocated Realized Loss Amount for such Class or Classes;

(v)          fifth, to the Basis Risk Shortfall Reserve Fund to pay the Class A Certificates and Class M Certificates as follows:  first, to the Class A Certificates, on a pro rata basis, based on the aggregate amount of Basis Risk Shortfall Carry-Forward Amounts for such Classes, and second, sequentially to the Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates, in that order, any related Basis Risk Shortfall Carry-Forward Amount for such Class or Classes on such Distribution Date;

 

 

(vi)         sixth, to the Supplemental Interest Trust for payment to the Swap Provider any Swap Termination Payments owed to the Swap Provider due to a Swap Provider Trigger Event not previously paid;

(vii)       seventh, to the Holders of the Class C Certificates, the Accrued Certificate Interest for such Class and any Principal Remittance Amount not used to make payments pursuant to clauses (b) and (c)(i) through (vi) above and any Overcollateralization Release Amount for such Distribution Date;

(viii)      eighth, if such Distribution Date follows the Prepayment Period during which a Prepayment Charge may be required to be paid in respect of any Mortgage Loans, to the Holders of the Class P Certificates, in reduction of the Certificate Principal Balance thereof, until the Certificate Principal Balance thereof is reduced to zero;

(ix)         ninth, to the Master Servicer and the Securities Administrator any amounts payable pursuant to Section 6.03 which were not reimbursed because of the operation of the annual cap described in such Section; and

(x)          tenth, any remaining amounts to the Holders of the Class R Certificates (in respect of the Class R-3 Interest).

Without limiting the provisions of Section 9.01, the Class R Certificateholders, by accepting the Class R Certificates, agree to pledge their rights to receive any amounts otherwise distributable on the Class R Certificates, and such rights are hereby assigned and pledged to the holders of the Class C Certificates.  Allocated Realized Loss Amounts and Basis Risk Shortfall Carry-Forward Amounts will be payable to each Class of the Class A Certificates and the Class M Certificates, as applicable, even after its Certificate Principal Balance has been reduced to zero.

(d)          On each Distribution Date, any Principal Distribution Amount payable to the Class A Certificates shall be distributed in the following manner and order of priority:

(i)           first, concurrently, (a) the Class I-A Principal Distribution Amount will be distributed on each Distribution Date, concurrently, on a pro rata basis, (i) to the Class I-APT Certificates, (ii) to the Class I-A1 Certificates and (iii) to the Class I-A2 Certificates, in each case in reduction of the Certificate Principal Balances thereof, with any amounts payable to the Class I-A1 Certificates being paid to the Class I-A1A, Class I-A1B, Class I-A1C and Class I-A1D Certificates, in that order, in each case in reduction of the Certificate Principal Balances thereof, until reduced to zero; except that on any Distribution Date on or after the Credit Support Depletion Date, amounts payable to the Class I-A1 Certificates shall be paid to the Class I-A1 Certificates
concurrently, on a pro rata basis, (b) the Class II-A Principal Distribution Amount will be distributed on each Distribution Date first, (i) to the Class II-AN Certificates, an amount equal to the Lockout Distribution Amount, and second, (ii) sequentially to the Class II-A1A, Class II-A1B, Class II-A1C and Class II-A1D Certificates (with all distributions of principal to the Class II-A1D Certificates paid on a pro-rata basis between the Class II-A1D1 Certificates and Class II-A1D2 Certificates), in each case until the Certificate Principal Balances thereof have been reduced to zero, and third (iii) to the Class II-AN Certificates 

 

regardless of its Lockout Distribution Amount until the Certificate Principal Balance thereof has been reduced to zero; except that on any Distribution Date on or after the Credit Support Depletion Date, amounts payable to the Class II-A Certificates shall be paid to the Class II-A Certificates concurrently, on a pro rata basis; and 

(ii)          second, (a) prior to the Stepdown Date or if a Trigger Event has occurred, the remaining Class I-A Principal Distribution Amount will be distributed to the Class II-A Certificates in the order and priority set forth in clause (i) above, in each case until the Certificate Principal Balance of that class has been reduced to zero; and any remaining Class II-A Principal Distribution Amount will be distributed to the remaining classes of Class I-A Certificates,  in the order and priority set forth in clause (i) above, in each case until the Certificate Principal Balance of that class has been reduced to zero; and (b) on or after the Stepdown Date if a Trigger Event is not in effect, the remaining Class I-A Principal Distribution Amount will be distributed to the Class
II-A Certificates, up to a maximum amount equal to any remaining Class II-A Principal Distribution Amount undistributed from clause (i) above, until the Certificate Principal Balances of such classes have been reduced to zero; and on or after the Stepdown Date if a Trigger Event is not in effect, the remaining Class II-A Principal Distribution Amount will be distributed to the Class I-A1 Certificates, up to a maximum amount equal to any remaining Class I-A Principal Distribution Amount undistributed from clause (i) above, until the Certificate Principal Balances of such classes have been reduced to zero.

(e)          In addition to the foregoing distributions, with respect to any Subsequent Recoveries, the Master Servicer shall deposit such funds into the Custodial Account pursuant to Section 3.17. If, after taking into account such Subsequent Recoveries, the amount of a Realized Loss is reduced, the amount of such Subsequent Recoveries will be applied to increase the Certificate Principal Balance of the Class of Certificates with the highest payment priority to which Realized Losses have been allocated, but not by more than the amount of Realized Losses previously allocated to that Class of Certificates. The amount of any remaining Subsequent Recoveries will be applied to increase the Certificate Principal Balance of the Class of Certificates with the next highest payment priority, up to the amount
of such Realized Losses previously allocated to that Class of Certificates, and so on. Holders of such Certificates will not be entitled to any payment in respect of Accrued Certificate Interest on the amount of such increases for any Accrual Period preceding the Distribution Date on which such increase occurs. Any such increases shall be applied to the Certificate Principal Balance of each Certificate of such Class in accordance with its respective Percentage Interest.

(f)           On each Distribution Date, all amounts representing Prepayment Charges in respect of the Mortgage Loans received during the related Prepayment Period will be withdrawn from the Certificate Account and distributed by the Securities Administrator to the Holders of the Class P Certificates and shall not be available for distribution to the Holders of any other Class of Certificates.  The payment of the foregoing amounts to the Holders of the Class P Certificates shall not reduce the Certificate Principal Balances thereof.

 

 

(g)          On each Distribution Date, the Securities Administrator shall distribute from the amounts received from the Swap Provider in respect of any Net Swap Payment then on deposit in the Supplemental Interest Trust the following amounts in the following order of priority:

(1)          to the Class I-A Certificates, pro rata, based on entitlement, in an amount equal to any Interest Carry Forward Amount for such Class or Classes to the extent not covered by the Interest Remittance Amount on that Distribution Date and solely to the extent the Interest Carry Forward Amount is a result of the interest portion of Realized Losses;

(2)          to the Class A Certificates and Class M Certificates, an amount equal to any Extra Principal Distribution Amount, to the extent not covered by the Net Monthly Excess Cashflow on that Distribution Date and solely to the extent the payment of the Extra Principal Distribution Amount is as a result of current or prior period Realized Losses, to be included in the Principal Distribution Amount for that Distribution Date and payable as provided under Sections 4.01(b), (c) and (d) above;

(3)          sequentially to the Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates, in that order, in an amount equal to any Interest Carry Forward Amount for such Class or Classes to the extent not covered by the Net Monthly Excess Cashflow on that Distribution Date and solely to the extent the Interest Carry Forward Amount is as a result of the interest portion of Realized Losses; 

(4)          sequentially to the Class I-A2, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates, in that order, in an amount equal to any Allocated Realized Loss Amount for such Class or Classes, to the extent not covered by the Net Monthly Excess Cashflow on that Distribution Date; and

(5)          to the Basis Risk Shortfall Reserve Fund, to pay the Class I-A Certificates and Class M Certificates as follows: first, to the Class I-A Certificates, on a pro rata basis, based on the aggregate amount of Basis Risk Shortfall Carry-Forward Amounts for such Classes of Class I-A Certificates remaining unpaid, and second, sequentially, to the Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates, in that order, any related Basis Risk Shortfall Carry-Forward Amount for such Class or Classes remaining unpaid on such Distribution Date, in each case to the extent not covered by the Net Monthly Excess Cashflow on that Distribution Date.

(h)          Each distribution with respect to a Book-Entry Certificate shall be paid to the Company, as Holder thereof, and the Company shall be responsible for crediting the amount of such distribution to the accounts of its Company Participants in accordance with its normal procedures.  Each Company Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a “brokerage firm” or “indirect participating firm”) for which it acts as agent.  Each brokerage firm 

 

shall be responsible for disbursing funds to the Certificate Owners that it represents.  None of the Trustee, the Securities Administrator the Company or the Master Servicer shall have any responsibility therefor except as otherwise provided by this Agreement or applicable law.

(i)           Except as otherwise provided in Section 9.01, if the Securities Administrator anticipates that a final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Securities Administrator shall, no later than two Business Days after the Determination Date in the month of such final distribution, mail on such date to each Holder of such Class of Certificates a notice to the effect that:  (i) the Securities Administrator anticipates that the final distribution with respect to such Class of Certificates will be made on such Distribution Date but only upon presentation and surrender of such Certificates at the office of the Securities Administrator or as otherwise specified therein, and (ii) no interest shall accrue on such Certificates from
and after the end of the prior calendar month.

(j)           Any funds not distributed to any Holder or Holders of Certificates of such Class on such Distribution Date because of the failure of such Holder or Holders to tender their Certificates shall, on such date, be set aside and held in trust and credited to the account of the appropriate non-tendering Holder or Holders.  If any Certificates as to which notice has been given pursuant to this Section 4.01(j) shall not have been surrendered for cancellation within six months after the time specified in such notice, the Securities Administrator shall mail a second notice to the remaining non-tendering Certificateholders to surrender their Certificates for cancellation in order to receive the final distribution with respect thereto. If within six months after the second notice all such
Certificates shall not have been surrendered for cancellation, the Securities Administrator shall take reasonable steps as directed by the Company, or appoint an agent to take reasonable steps, to contact the remaining non-tendering Certificateholders concerning surrender of their Certificates. The costs and expenses of maintaining the funds in trust and of contacting such Certificateholders shall be paid out of the assets remaining in the Trust Fund. If within nine months after the second notice any such Certificates shall not have been surrendered for cancellation, the Class R Certificateholders shall be entitled to all unclaimed funds and other assets which remain subject hereto. No interest shall accrue or be payable to any Certificateholder on any amount held in trust as a result of such Certificateholder’s failure to surrender its Certificate(s) for final payment thereof in accordance with this Section 4.01(j).

(k)          On each Distribution Date, other than the final Distribution Date, the Securities Administrator shall distribute to each Certificateholder of record as of the immediately preceding Record Date the Certificateholder’s pro rata share of its Class (based on the aggregate Percentage Interest represented by such Holder’s Certificates) of all amounts required to be distributed on such Distribution Date to such Class. The Securities Administrator shall calculate the amount to be distributed to each Class and, based on such amounts, the Securities Administrator shall determine the amount to be distributed to each Certificateholder. All of the Securities Administrator’s calculations of payments shall be based solely on information provided to the Securities Administrator by the
Master Servicer. The Securities Administrator shall not be required to confirm, verify or recompute any such information but shall be entitled to rely conclusively on such information.

 

 

	
             
  	
            Section 4.02
 	
            Statements to Certificateholders.
 

(a)          On each Distribution Date, based, as applicable, on information provided to it by the Master Servicer, the Securities Administrator shall prepare and make available on the Securities Administrator’s website as set forth below, to each Holder of the Regular Certificates, the Trustee, the Master Servicer, the Certificate Insurer and the Rating Agencies, a statement as to the distributions made on such Distribution Date setting forth:

(i)           (A) the amount of the distribution made on such Distribution Date to the Holders of each Class of Regular Certificates, separately identified, allocable to principal and (B) the amount of the distribution made on such Distribution Date to the Holders of the Class P Certificates allocable to Prepayment Charges;

(ii)          the amount of the distribution made on such Distribution Date to the Holders of each Class of Regular Certificates (other than the Class P Certificates) allocable to interest, separately identified;

(iii)        the Pass-Through Rate on each Class of Regular Certificates (other than the Class P Certificates) for such Distribution Date;

	
             
  	
            (iv)
 	
            the aggregate amount of Advances for such Distribution Date;
 

(v)          the number and Aggregate Stated Principal Balance of the Mortgage Loans as of the end of the related Due Period;

(vi)         the Overcollateralized Amount, the Overcollateralization Deficiency Amount and the Overcollateralization Target Amount for such Distribution Date;

(vii)       the aggregate Certificate Principal Balance or Notional Amount, as applicable, of each Class of Regular Certificates after giving effect to the amounts distributed on such Distribution Date (in the case of the Class I-A2 Certificates and each Class of the Class M Certificates, separately identifying any reduction thereof due to the allocation of Realized Losses thereto);

(viii)      the number and Aggregate Stated Principal Balance of Mortgage Loans (a) Delinquent 31 to 60 days, (b) Delinquent 61 to 90 days, (c) Delinquent 91 days or more, in each case as of the end of the calendar month prior to such Distribution Date;

(ix)         the number, aggregate principal balance and book value of any REO Properties as of the close of business on the last day of the calendar month preceding the month in which such Distribution Date occurs;

(x)          the weighted average remaining term to maturity, weighted average Mortgage Rate and weighted average Net Mortgage Rate of the Mortgage Loans as of the close of business on the first day of the calendar month in which such Distribution Date occurs;

 

 

(xi)         the aggregate amount of Principal Prepayments made during the related Prepayment Period;

(xii)       the aggregate amount of Realized Losses incurred during the related Prepayment Period and the cumulative amount of Realized Losses;

(xiii)      the aggregate amount of extraordinary Trust Fund expenses withdrawn from the Custodial Account or the Certificate Account for such Distribution Date;

(xiv)      the aggregate amount of any Prepayment Interest Shortfalls for such Distribution Date, to the extent not covered by payments by the Servicer or Master Servicer pursuant to Section 3.17, and the aggregate amount of Relief Act Interest Shortfalls for such Distribution Date;

(xv)        the Accrued Certificate Interest in respect of each Class of the Class A Certificates, Class M Certificates and Class C Certificates for such Distribution Date and the Unpaid Interest Shortfall Amount, if any, with respect to each Class of the Class A Certificates and Class M Certificates for such Distribution Date;

(xvi)       (A)  the Overcollateralization Target Amount, (B) the Overcollateralized Amount and (C) the amount, if any, by which the Overcollateralization Target Amount exceeds the Overcollateralized Amount, in each case after giving effect to the distribution made on the Regular Certificates on such Distribution Date;

(xvii)      the aggregate of any deposits to and withdrawals from the Basis Risk Shortfall Reserve Fund for such Distribution Date and the remaining amount on deposit in the Basis Risk Shortfall Reserve Fund after such deposits and withdrawals;

	
             
  	
            (xviii)
 	
            the Available Distribution Amount for such Distribution Date;
 

(xix)        the amount of any Net Swap Payment to the Supplemental Interest Trust made pursuant to Section 4.01(a), any Net Swap Payment to the Swap Provider made pursuant to Section 4.01(a), any Swap Termination Payment to the Supplemental Interest Trust made pursuant to Section 4.01(c), and any Swap Termination Payment to the Swap Provider made pursuant to Sections 4.01(c).

On each Distribution Date, the Securities Administrator shall provide Bloomberg Financial Markets, L.P. (“Bloomberg”) CUSIP level factors for each Class of Certificates as of such Distribution Date, using a format and media mutually acceptable to the Trustee and Bloomberg.

The information set forth above shall be calculated or reported, as the case may be, by the Securities Administrator, based solely on, and to the extent of, information provided to the Securities Administrator by the Master Servicer. The Securities Administrator may conclusively rely on such information and shall not be required to confirm, verify or recalculate any such information.

 

 

The Securities Administrator may make available each month, to any interested party, the monthly statement to Certificateholders via the Securities Administrator’s website initially located at “www.ctslink.com.” Assistance in using the website can be obtained by calling the Securities Administrator’s customer service desk at (301) 815-6600. Parties that are unable to use the above distribution option are entitled to have a paper copy mailed to them via first class mail by calling the Securities Administrator’s customer service desk and indicating such. The Securities Administrator shall have the right to change the way such reports are distributed in order to make such distribution more convenient and/or more accessible to the parties, and the Securities Administrator shall provide timely and adequate notification to all parties regarding any such change.

Within a reasonable period of time after the end of each calendar year, the Securities Administrator shall prepare and forward, to each Person who at any time during the calendar year was a Holder of a Certificate, a statement containing the information set forth in subclauses (i) and (ii) above, aggregated for such calendar year or applicable portion thereof during which such person was a Certificateholder.  Such obligation of the Securities Administrator shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Securities Administrator pursuant to any requirements of the Code and regulations thereunder as from time to time are in force.

Within a reasonable period of time after the end of each calendar year, the Securities Administrator shall prepare and forward, to each Person who at any time during the calendar year was a Holder of a Class R Certificate a statement containing the information provided pursuant to the previous paragraph aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder.  Such obligation of the Securities Administrator shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Securities Administrator pursuant to any requirements of the Code as from time to time are in force.

	
             
  	
            Section 4.03
 	
            Remittance Reports; Advances by the Master Servicer.
 

(a)          On the Business Day following each Determination Date but in no event later than the 20th day of each month (or if such 20th day is not a Business Day, the preceding Business Day), the Master Servicer shall deliver to the Securities Administrator a report, prepared as of the close of business on the Determination Date (the “Remittance Report”), in the form of an electronic format mutually acceptable to each party.  The Remittance Report and any written information supplemental thereto shall include such information with respect to the Mortgage Loans that is required by the Securities Administrator for purposes of making the calculations and preparing the statement described in Sections 4.01 and 4.02, as set forth in written specifications or guidelines
issued by the Securities Administrator from time to time.  The Trustee shall have no obligation to recompute, recalculate or verify any information provided to it by the Master Servicer.

(b)          If the scheduled payment on a Mortgage Loan that was due on a related Due Date is delinquent, other than as a result of application of the Relief Act, and for which the Servicer was required to make an advance pursuant to the Servicing Agreement exceeds the amount deposited in the Custodial Account which will be used for an advance with respect to such 

 

Mortgage Loan, the Master Servicer will deposit in the Custodial Account not later than the Certificate Account Deposit Date immediately preceding the related Distribution Date an amount equal to such deficiency, net of the Servicing Fee for such Mortgage Loan except to the extent the Master Servicer determines any such advance to be a Nonrecoverable Advance. Subject to the foregoing, the Master Servicer shall continue to make such advances through the date that the Servicer is required to do so under its Servicing Agreement. If the Master Servicer deems an advance to be a Nonrecoverable Advance, on the Certificate Account Deposit Date, the Master Servicer shall present an Officer’s Certificate to the Trustee (i) stating that the Master Servicer elects not to make a Monthly Advance in a stated amount and (ii) detailing the reason it deems the advance to be a Nonrecoverable Advance.

(c)          The Master Servicer shall deposit in the Custodial Account not later than each Certificate Account Deposit Date an amount equal to the sum of the aggregate amounts required to be paid by the Servicer under the Servicing Agreement with respect to subclauses (a) and (b) of the definition of Interest Shortfall with respect to the Mortgage Loans for the related Distribution Date, and not so paid by the Servicer (such amount, the “Compensating Interest Payment”). The Master Servicer shall not be entitled to any reimbursement of any Compensating Interest Payment.

	
             
  	
            Section 4.04
 	
            Distributions on the REMIC Regular Interests.
 

(a)          (1) On each Distribution Date, the Securities Administrator shall cause the Available Distribution Amount with respect to the Group I Loans, in the following order of priority, to be distributed by REMIC 1 to REMIC 2 on account of the REMIC 1 Group I Regular Interests or withdrawn from the Certificate Account and distributed to the Holders of the Class R Certificates (in respect of the Class R-1 Interest), as the case may be:

	
             
 	
            (A)
 	
            to Holders of each of REMIC 1 Regular Interest I, REMIC I Regular Interest P and REMIC 1 Regular Interest I-1-A through I-104-B, pro rata, in an amount equal to (A) Uncertificated Accrued Interest for such REMIC 1 Regular Interests for such Distribution Date, plus (B) any amounts payable in respect thereof remaining unpaid from previous Distribution Dates; 
 

	
             
 	
            (B)
 	
            to the extent of amounts remaining after the distributions made pursuant to clause (i) above, payments of principal shall be allocated as follows: first, to REMIC 1 Regular interests I-1-A through I-104-B starting with the lowest numerical denomination until the Uncertificated Principal Balance of each such REMIC 1 Regular Interest is reduced to zero, provided that, for REMIC 1 Regular Interests with the same numerical denomination, such payments of principal shall be allocated pro rata between such REMIC 1 Regular Interests, and second, to the extent of the product of (a) any Overcollateralization Release Amounts multiplied by (b) a fraction, the numerator of which is the aggregate Scheduled Principal Balance of the Group I Mortgage Loans and the denominator of which is the aggregate Scheduled Principal Balance of the Mortgage
Loans, to REMIC 
 

 

1 Regular Interest I until the Uncertificated Principal Balance of such REMIC 1 Regular Interest is reduced to zero; and

	
             
 	
            (C)
 	
            to the Holders of REMIC 1 Regular Interest P, (A) on each Distribution Date, 100% of the amount paid in respect of Prepayment Charges and (B) on the Distribution Date immediately following the expiration of the latest Prepayment Charge as identified on the Prepayment Charge Schedule or any Distribution Date thereafter until $100 has been distributed pursuant to this clause.
 

(2)          On each Distribution Date, the Securities Administrator shall cause the Available Distribution Amount with respect to the Group II Loans, in the following order of priority, to be distributed by REMIC 1 to REMIC 2 on account of the REMIC 1 Group II Regular Interests or withdrawn from the Certificate Account and distributed to the Holders of the Class R Certificates (in respect of the Class R-1 Interest), as the case may be:

	
             
 	
            (A)
 	
            to Holders of each of REMIC 1 Regular Interest II, in an amount equal to (A) Uncertificated Accrued Interest for such REMIC 1 Regular Interests for such Distribution Date, plus (B) any amounts payable in respect thereof remaining unpaid from previous Distribution Dates; 
 

	
             
 	
            (B)
 	
            to the extent of amounts remaining after the distributions made pursuant to clause (i) above, payments of principal shall be allocated as to REMIC 1 Regular Interest II until the Uncertificated Principal Balance of such REMIC 1 Regular Interest is reduced to zero; and
 

	
             
 	
            (C)
 	
            to the Holders of REMIC 1 Regular Interest P, on each Distribution Date, 100% of the amount paid in respect of Prepayment Charges.
 

(3) On each Distribution Date, the Securities Administrator shall cause the Available Distribution Amount, in the following order of priority, to be distributed by REMIC 2 to REMIC 3 on account of the REMIC 2 Regular Interests or withdrawn from the Certificate Account and distributed to the Holders of the Class R Certificates (in respect of the Class R-2 Interest), as the case may be:

	
             
 	
            (A)
 	
            to the Holders of REMIC 2 Regular Interest IO, in an amount equal to (A) Uncertificated Accrued Interest for such REMIC 2 Regular Interest for such Distribution Date, plus (B) any amounts in respect thereof remaining unpaid from previous Distribution Dates.
 

(i)           to Holders of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular 

 

Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9, REMIC 2 Regular Interest LT-M10 and REMIC 2 Regular Interest LT-ZZ and REMIC 2 Regular Interest LT-P, pro rata, in an amount equal to (A) the related Uncertificated Accrued Interest for such Distribution Date, plus (B) any amounts in respect thereof remaining unpaid from the previous Distribution Dates.

Amounts payable as Uncertificated Accrued Interest in respect of REMIC 2 Regular Interest LT-ZZ shall be reduced when the REMIC 2 Overcollateralized Amount is less than the REMIC 2 Overcollateralization Target Amount, by the lesser of (x) the amount of such difference and (y) the Maximum Uncertificated Accrued Interest Deferral Amount, and such amount will be payable to the Holders of REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular
Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9 and REMIC 2 Regular Interest LT-M10 in the same proportion as the Overcollateralization Deficiency Amount is allocated to the Corresponding Certificates, and the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-ZZ shall be increased by such amount;

(ii)          to the Holders of REMIC 2 Regular Interest LT-P, (A) on each Distribution Date, 100% of the amount paid in respect of Prepayment Charges and (B) on the Distribution Date immediately following the expiration of the latest Prepayment Charge as identified on the Prepayment Charge Schedule or any Distribution Date thereafter until $100 has been distributed pursuant to this clause;

(iii)        to the Holders of the REMIC 2 Regular Interests, in an amount equal to the remainder of the REMIC 2 Marker Allocation Percentage of Available Funds for such Distribution Date after the distributions made pursuant to clauses (i) and (ii) above, allocated as follows:

	
             
 	
            (A)
 	
            98% of such remainder to the Holders of REMIC 2 Regular Interest LT-AA, until the Uncertificated Principal Balance of such Uncertificated REMIC 2 Regular Interest is reduced to zero;
 

	
             
 	
            (B)
 	
            2% of such remainder, first to REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular 
 

 

Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular Interest LT-M9 and REMIC 2 Regular Interest LT-M10, 1% of and in the same proportion as principal payments are allocated to the Corresponding Certificates, until the Uncertificated Principal Balances of such REMIC 2 Regular Interests are reduced to zero and second, to the Holders of REMIC 2 Regular Interest LT-ZZ, until the Uncertificated Principal Balance of such REMIC 2 Regular Interest is reduced to zero; and

	
             
 	
            (C)
 	
            any remaining amount to the Holders of the Class R Certificates (in respect of the Class R-3 Interest);
 

provided, however, that 98% and 2% of any principal payments shall be allocated to Holders of REMIC 2 Regular Interest LT-AA and REMIC 2 Regular Interest LT-ZZ, respectively, once the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-I-APT, REMIC 2 Regular Interest LT-I-A1A, REMIC 2 Regular Interest LT-I-A1B, REMIC 2 Regular Interest LT-I-A1C, REMIC 2 Regular Interest LT-I-A1D, REMIC 2 Regular Interest LT-I-A2, REMIC 2 Regular Interest LT-II-A1A, REMIC 2 Regular Interest LT-II-A1B, REMIC 2 Regular Interest LT-II-A1C, REMIC 2 Regular Interest LT-II-A1D1, REMIC 2 Regular Interest LT-II-A1D2, REMIC 2 Regular Interest LT-II-AN, REMIC 2 Regular Interest LT-M1, REMIC 2 Regular Interest LT-M2, REMIC 2 Regular Interest LT-M3, REMIC 2 Regular Interest LT-M4, REMIC 2 Regular Interest LT-M5, REMIC 2 Regular Interest LT-M6, REMIC 2 Regular Interest LT-M7, REMIC 2 Regular Interest LT-M8, REMIC 2 Regular
Interest LT-M9 and REMIC 2 Regular Interest LT-M10 have been reduced to zero; and

(iv)         to Holders of REMIC 2 Regular Interest LT-1SUB, REMIC 2 Regular Interest LT-1GRP, REMIC 2 Regular Interest LT-2SUB, REMIC 2 Regular Interest LT-2GRP and REMIC 2 Regular Interest LT-XX, pro rata, in an amount equal to

	
             
  	
            (b)
 	
            the related Uncertificated Accrued Interest for such Distribution Date, plus
 

(c)          any amounts in respect thereof remaining unpaid from the previous Distribution Dates; and

(i)           to the Holders of REMIC 2 Regular Interest LT-1SUB, REMIC 2 Regular Interest LT-1GRP, REMIC 2 Regular Interest LT-2SUB, REMIC 2 Regular Interest LT-2GRP and REMIC 2 Regular Interest LT-XX, in an amount equal to the REMIC 2 Sub WAC Allocation Percentage of the remainder of the Available Funds for such Distribution Date after the distributions made pursuant to clauses (iv) above, first, so as to keep the Uncertificated Principal Balance of each REMIC 2 Regular Interest ending with the designation “GRP” equal to 0.01% of the aggregate Stated Principal Balance of the Mortgage Loans in the related Sub-Group; second, to each REMIC 2 Regular Interest ending with the designation “SUB,” so that the Uncertificated Principal Balance of each such REMIC 2
Regular Interest is equal to 0.01% of the excess of (x) the aggregate Stated Principal Balance of the Mortgage Loans in the related Sub-Group over (y) the 

 

current Certificate Principal Balance of the Class A Certificate related to such Sub-Group (except that if any such excess is a larger number than in the preceding distribution period, the least amount of principal shall be distributed to such REMIC 2 Regular Interests such that the REMIC 2 Subordinated Balance Ratio is maintained); and third, any remaining principal to REMIC 2 Regular Interest LT-XX.

	
             
  	
            Section 4.05
 	
            Allocation of Realized Losses.
 

All Realized Losses on the Mortgage Loans shall be allocated by the Securities Administrator on each Distribution Date as follows:  first, to Net Monthly Excess Cashflow, through a distribution of the Extra Principal Distribution Amount for that Distribution Date; second, to the Overcollateralized Amount by a reduction of the Certificate Principal Balance of the Class C Certificates, until the Certificate Principal Balance thereof has been reduced to zero; third, to the Class M-10 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; fourth, to the Class M-9 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; fifth, to the Class M-8 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; sixth, to the Class M-7 Certificates, until the Certificate Principal Balance thereof has been
reduced to zero; seventh, to the Class M-6 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; eighth, to the Class M-5 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; ninth, to the Class M-4 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; tenth, to the Class M-3 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; eleventh, to the Class M-2 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; twelfth, to the Class M-1 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and thirteenth, with respect to any Realized Loss on a Group I Loan, to the Class I-A2 Certificates, until the Certificate Principal Balance thereof has been reduced to zero. All Realized Losses to be allocated to the Certificate Principal Balances of all Classes on any Distribution Date shall be so
allocated after the actual distributions to be made on such date as provided above.  All references above to the Certificate Principal Balance of any Class of Certificates shall be to the Certificate Principal Balance of such Class immediately prior to the relevant Distribution Date, before reduction thereof by any Realized Losses, in each case to be allocated to such Class of Certificates, on such Distribution Date.

Any allocation of Realized Losses to a Class M Certificate or Class I-A2 Certificate on any Distribution Date shall be made by reducing the Certificate Principal Balance thereof by the amount so allocated.  Any allocation of Realized Losses to a Class C Certificate shall be made by (i) first, reducing the amount otherwise payable in respect thereof pursuant to Section 4.01(c)(vi), and (ii) second, by reducing the Certificate Principal Balance thereof by the amount so allocated. No allocations of any Realized Losses shall be made to the Certificate Principal Balances of the Class P Certificates or the Class A Certificates, other than the Class I-A2 Certificates.

With respect to the REMIC 1 Regular Interests, all Realized Losses on the Group I Loans shall be allocated shall be allocated by the Securities Administrator on each Distribution Date first, to REMIC 1 Regular Interest I until the Uncertificated Principal Balance has been reduced to zero, and second, to REMIC 1 Regular Interest I-1-A through REMIC 1 Regular Interest I-104-B, starting with the lowest numerical denomination until such REMIC 1 Regular Interest 

 

has been reduced to zero, provided that, for REMIC 1 Regular Interests with the same numerical denomination, such Realized Losses shall be allocated pro rata between such REMIC 1 Regular Interests.  All Realized Losses on the Group II Loans shall be allocated on each Distribution Date to REMIC 1 Regular Interest II until the Uncertificated Principal Balance has been reduced to zero.

With respect to the REMIC 2 Regular Interests, all Realized Losses shall be allocated by the Securities Administrator on each Distribution Date first on each Distribution Date as follows:  first to Uncertificated Accrued Interest payable to the REMIC 2 Regular Interest LT-AA and REMIC 2 Regular Interest LT-ZZ up to an aggregate amount equal to the REMIC 2 Interest Loss Allocation Amount, 98% and 2% respectively; second, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA and REMIC 2 Regular Interest LT-ZZ up to an aggregate amount equal to the REMIC 2 Principal Loss Allocation Amount, 98% and 2%, respectively; third, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-M10 and REMIC 2 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M10
has been reduced to zero; fourth, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-M9 and REMIC 2 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M9 has been reduced to zero; fifth, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-M8 and REMIC 2 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M8 has been reduced to zero; sixth, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-M7 and REMIC 2 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M7 has been reduced to zero; seventh, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-M6 and
REMIC 2 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M6 has been reduced to zero; eighth, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-M5 and REMIC 2 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M5 has been reduced to zero; ninth, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-M4 and REMIC 2 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M4 has been reduced to zero; tenth, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-M3 and REMIC 2 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M3 has been
reduced to zero; eleventh, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-M2 and REMIC 2 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M2 has been reduced to zero; twelfth, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-M1 and REMIC 2 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-M1 has been reduced to zero; and thirteenth, with respect to Realized Losses on the Group I Mortgage Loans, to the Uncertificated Principal Balances of REMIC 2 Regular Interest LT-AA, REMIC 2 Regular Interest LT-I-A2 and REMIC 2 Regular Interest LT-ZZ, 

 

98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LT-I-A2 has been reduced to zero.

	
             
  	
            Section 4.06
 	
            Information Reports to Be Filed by the Servicer.
 

The Servicer shall file information reports with respect, to the extent set forth in the Servicing Agreement, to the receipt of mortgage interest received in a trade or business, 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 of the Code, respectively, and deliver to the Securities Administrator an Officers’ Certificate stating that such reports have been filed.  Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by such Sections 6050H, 6050J and 6050P of the Code.

	
             
  	
            Section 4.07
 	
            Compliance with Withholding Requirements.
 

Notwithstanding any other provision of this Agreement the Securities Administrator shall comply with all federal withholding requirements respecting payments to Certificateholders of interest or original issue discount on the Mortgage Loans, that the Securities Administrator reasonably believes are applicable under the Code.  The consent of Certificateholders shall not be required for such withholding.  In the event the Securities Administrator withholds any amount from interest or original issue discount payments or advances thereof to any Certificateholder pursuant to federal withholding requirements, the Securities Administrator shall, together with its monthly report to such Certificateholders pursuant to Section 4.02 hereof, indicate such amount withheld.

	
             
  	
            Section 4.08
 	
            Basis Risk Shortfall Reserve Fund.
 

(a)          On the Closing Date, the Securities Administrator shall establish and maintain in its name, in trust for the benefit of the Class A Certificates and Class M Certificates, the Basis Risk Shortfall Reserve Fund.

(b)          On each Distribution Date, the Securities Administrator shall transfer from the Certificate Account to the Basis Risk Shortfall Reserve Fund the amounts specified pursuant to Sections 4.01(c)(v) and 4.01(g)(5). On each Distribution Date, to the extent required, the Securities Administrator shall make withdrawals from the Basis Risk Shortfall Reserve Fund and use the amounts in the Basis Risk Shortfall Reserve Fund to make distributions to the Class A Certificates and Class M Certificates in an amount equal to the amount of any Basis Risk Shortfall Carry-Forward Amount on such Certificates. Any such amounts from the Net Monthly Excess Cashflow shall be distributed first, concurrently to the Class I-APT, Class I-A1A, Class I-A1B, Class I-A1C, Class I-A1D, Class I-A2, Class II-A1A, Class
II-A1B, Class II-A1C, Class II-A1D1, Class II-A1D2 and Class II-AN Certificates, and second, sequentially to the Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and Class M-10 Certificates, in that order, in each case until the related Basis Risk Shortfall Carry-Forward Amount has been reduced to zero.  Any such amounts transferred shall be treated for federal tax purposes as amounts distributed by REMIC 3 to the Holder of the Class C Certificates. On each Distribution Date, after the distributions described in the preceding 

 

sentence, the Securities Administrator shall withdraw from the Basis Risk Shortfall Reserve Fund (to the extent of funds available on deposit therein) any remaining amounts and distribute them to the Holders of the Class C Certificates, not in respect of any REMIC.

(c)          The Basis Risk Shortfall Reserve Fund shall be an Eligible Account. Amounts held in the Basis Risk Shortfall Reserve Fund from time to time shall continue to constitute assets of the Trust Fund, but not of the REMICs, until released from the Basis Risk Shortfall Reserve Fund pursuant to this Section 4.08. The Basis Risk Shortfall Reserve Fund constitutes an “outside reserve fund” within the meaning of Treasury Regulation § 1.860G-2(h) and is not an asset of any REMIC. The Holders of the Class C Certificates shall be the owner of the Basis Risk Shortfall Reserve Fund. The Securities Administrator shall keep records that accurately reflect the funds on deposit in the Basis Risk Shortfall Reserve Fund. The Securities Administrator shall, at the written direction of the
holder of the Majority Class C Certificateholder, invest amounts on deposit in the Basis Risk Shortfall Reserve Fund in Permitted Investments. In the absence of written direction to the Securities Administrator from the Majority Class C Certificateholder, all funds in the Basis Risk Shortfall Reserve Fund shall remain uninvested. On each Distribution Date, the Securities Administrator shall distribute, not in respect of any REMIC, any interest earned on the Basis Risk Shortfall Reserve Fund to the Holders of the Class C Certificates.

(d)          For federal tax return and information reporting, the right of the Holders of the Class A Certificates and the Class M Certificates to receive payments from the Basis Risk Shortfall Reserve Fund in respect of any Basis Risk Shortfall Carry-Forward Amount may have more than a de minimis value.

	
             
  	
            Section 4.09
 	
            Supplemental Interest Trust.
 

(a)          As of the Closing Date, the Securities Administrator shall establish and maintain in the name of the Trustee a separate trust for the benefit of the holders of the Class A Certificates and Class M Certificates (the “Supplemental Interest Trust”). The Supplemental Interest Trust shall hold the Swap Agreement and the Swap Account. The Securities Administrator shall establish an Eligible Account (“the “Swap Account”) into which the Company shall deposit $1,000 on the Closing Date. Funds on deposit in the Swap Account shall be held separate and apart from, and shall not be commingled with, any other moneys, including, without limitation, other moneys of the Trustee or of the Securities Administrator held pursuant to this Agreement.  

(b)          On each Distribution Date, the Securities Administrator shall deposit into the Swap Account amounts distributable to the Supplemental Interest Trust pursuant to Sections 4.01(a) (second paragraph) and 4.01(c)(vi) of this Pooling and Servicing Agreement.  On each Distribution Date, the Securities Administrator shall distribute any such amounts to the Swap Provider pursuant to the Swap Agreement, first to pay any Net Swap Payment owed to the Swap Provider for such Distribution Date, and second to pay any Swap Termination Payment owed to the Swap Provider.

(c)          On each Distribution Date, the Securities Administrator shall deposit into the Swap Account amounts received from the Swap Provider.  On each Distribution Date, the 

 

Securities Administrator shall distribute from the Swap Account an amount equal to the amount of any Net Swap Payment received from the Swap Provider under the Swap Agreement, in the following order of priority:

(i)           first, an amount equal to the aggregate amount required under Section 4.01(g) to be distributed on such Distribution Date, to the Class A and Class M Certificateholders in accordance with Section 4.01(g) of this Pooling and Servicing Agreement, and 

(ii)          second, any remainder, but not in excess of the Swap Principal Payment Amount for such Distribution Date, to the Note Administrator for deposit into the Note Account in accordance with the Indenture.

(d)          The Supplemental Interest Trust constitutes an “outside reserve fund” within the meaning of Treasury Regulation § 1.860G-2(h) and is not an asset of any REMIC.  The Holders of the Class C Certificates shall be the beneficial owner of the Supplemental Interest Trust, subject to the power of the Securities Administrator to transfer amounts under this Agreement.  The Securities Administrator shall keep records that accurately reflect the funds on deposit in the Swap Account.  The Securities Administrator shall, at the written direction of the holder of the Majority Class C Certificateholder, invest amounts on deposit in the Swap Account in Permitted Investments. In the absence of written direction to the Securities Administrator from the Majority Class C Certificateholder,
all funds in the Swap Account shall remain uninvested. On each Distribution Date, the Securities Administrator shall distribute, not in respect of any REMIC, any interest earned on the Swap Account within the Supplemental Interest Trust to the Holders of the Class C Certificates.

(e)          For federal income tax purposes, amounts paid to the Swap Account within the Supplemental Interest Trust on each Distribution Date pursuant to Sections 4.01(a) (second paragraph) and 4.01(c)(v) shall first be deemed paid to the Supplemental Interest Trust in respect of Class IO Interest to the extent of the amount distributable on such Class IO Interest on such Distribution Date, and any remaining amount shall be deemed paid to the Supplemental Interest Trust in respect of  a Class IO Distribution Amount.  

(f)           The Securities Administrator shall treat the Holders of Certificates (other than the Class P, Class C and Class R Certificates) as having entered into a notional principal contract with respect to the Holders of the Class C Certificates.  Pursuant to each such notional principal contract, all Holders of Certificates (other than the Class P, Class C and Class R Certificates) shall be treated as having agreed to pay, on each Distribution Date, to the Holder of the Class C Certificates an aggregate amount equal to the excess, if any, of (i) the amount payable on such Distribution Date on the REMIC 3 Regular Interest ownership of which is represented by such Class of Certificates over (ii) the amount payable on such Class of Certificates on such Distribution Date (such excess, a
“Class IO Distribution Amount”).  A Class IO Distribution Amount payable from interest collections shall be allocated pro rata among such Certificates based on the amount of interest otherwise payable to such Certificates, and a Class IO Distribution Amount payable from principal collections shall be allocated to the most subordinate Class of such Certificates with an outstanding principal balance to the extent of such balance.  In addition, pursuant to such notional principal contract, the Holder of the Class C 

 

Certificates shall be treated as having agreed to pay Basis Risk Shortfall Carry Forward Amounts to the Holders of the Certificates (other than the Class C, Class P and Class R Certificates) in accordance with the terms of this Agreement.  Any payments to such Certificates from amounts deemed received in respect of this notional principal contract shall not be payments with respect to a Regular Interest in a REMIC within the meaning of Code Section 860G(a)(1).  However, any payment from the Certificates (other than the Class C, Class P and Class R Certificates) of a Class IO Distribution Amount shall be treated for tax purposes as having been received by the Holders of such Certificates in respect of the REMIC 3 Regular Interest ownership of which is represented by such Certificates, and as having been paid by such Holders to the Supplemental Interest Trust pursuant to the notional principal contract.
Thus, each Certificate (other than the Class P Certificates and Class R Certificates) shall be treated as representing not only ownership of a Regular Interest in REMIC 3, but also ownership of an interest in, and obligations with respect to, a notional principal contract.  

(g)          In the event that the Swap Agreement is terminated prior to the Distribution Date in July 2014, the Securities Administrator shall use reasonable efforts to appoint a successor swap provider using any Swap Termination Payments paid by the Swap Provider. If the Securities Administrator is unable to locate a qualified successor swap provider, any such Swap Termination Payments will be remitted to the Securities Administrator for payment to the holders of the Class A and Class M Certificates of amounts described in Section 4.09(c).

	
             
  	
            Section 4.10
 	
            Tax Treatment of Swap Payments and Swap Termination Payments.
 

For federal income tax purposes, each holder of a Class A or Class M Certificate is deemed to own an undivided beneficial ownership interest in a REMIC regular interest and the right to receive payments from either the Basis Risk Shortfall Reserve Fund or the Supplemental Interest Trust in respect of any Basis Risk Shortfall Carry-Forward Amounts or the obligation to make payments to the Supplemental Interest Trust. For federal income tax purposes, the Securities Administrator will account for payments to each Class A and Class M Certificates as follows: each Class A and Class M Certificate will be treated as receiving their entire payment from REMIC 3 (regardless of any Swap Termination Payment or obligation under the Swap Agreement) and subsequently paying their portion of any Swap Termination Payment in respect of each such Class’ obligation under the Swap Agreement. In the event
that any such Class is resecuritized in a REMIC, the obligation under the Swap Agreement to pay any such Swap Termination Payment (or any shortfall in Swap Provider Fee), will be made by one or more of the REMIC Regular Interests issued by the resecuritization REMIC subsequent to such REMIC Regular Interest receiving its full payment from any such Class A or Class M Certificate. Resecuritization of any Class A or Class M Certificate in a REMIC will be permissible only if the Securities Administrator hereunder is the trustee/securities administrator in such  resecuritization. For Federal Income tax purposes, the Swap Account is deemed to have a value of $0.

The REMIC regular interest corresponding to a Class A or Class M Certificate will be entitled to receive interest and principal payments at the times and in the amounts equal to those made on the certificate to which it corresponds, except that (i) the maximum interest rate of that REMIC regular interest will equal the Net WAC Rate computed for this purpose by limiting the Notional Amount of the Swap Agreement to the aggregate principal balance of the Mortgage 

 

Loans and (ii) any Swap Termination Payment will be treated as being payable solely from Net Monthly Excess Cashflow. As a result of the foregoing, the amount of distributions and taxable income on the REMIC regular interest corresponding to a Class A or Class M Certificate may exceed the actual amount of distributions on the Class A or Class M Certificate.

	
             
  	
            Section 4.11
 	
            Class II-A1D2 Policy Matters.
 

(a)          If, on the third Business Day before any Distribution Date, the Securities Administrator determines that the Available Funds for such Distribution Date distributable to the Holders of the Class II-A1D2 Certificates pursuant to Section 4.01 will be insufficient to pay the Guaranteed Distributions on such Distribution Date, the Securities Administrator shall determine the amount of any such deficiency and shall give notice to the Certificate Insurer and the Fiscal Agent (as defined in the Class II-A1D2 Policy), if any, by telephone, electronic mail or telecopy of the amount of such deficiency, confirmed in writing by notice substantially in the form of Exhibit A to the Class II-A1D2 Policy by 12:00 noon, New York City time on such third Business Day.

(b)         The Securities Administrator shall establish, for the benefit of Holders of the Class II-A1D2 Certificates and the Certificate Insurer, a segregated non-interest bearing trust account (the “Policy Payments Account”) over which the Securities Administrator shall have exclusive control and sole right of withdrawal.  The Securities Administrator shall deposit any amount paid under the Class II-A1D2 Policy in the Policy Payments Account and distribute such amount only for purposes of payment to Holders of Class II-A1D2 Certificates of the Guaranteed Distributions or any amount in respect of a Preference Claim (as defined in the Class II-A1D2 Policy) for which a claim under the Class II-A1D2 Policy was made, and such amount may not be applied to satisfy any costs, expenses or liabilities of
any Servicer, the Depositor, the Master Servicer, the Securities Administrator, the Trustee or the Trust Fund.  Amounts paid under the Class II-A1D2 Certificate Insurance Policy shall be transferred to the Certificate Account in accordance with the next succeeding paragraph and disbursed by the Securities Administrator to Holders of Class II-A1D2 Certificates in accordance with this Section 4.11(b) (or, in the case of an amount in respect of a Preference Claim, to the related Holders of Class II-A1D2 Certificates as contemplated in this Section 4.11(b)).  It shall not be necessary for such payments to be made by checks or wire transfers separate from the checks or wire transfers used to pay the other distributions to be made to such Holders pursuant to Section 4.01.  However, the amount of any payment of principal of or interest on the Class II-A1D2 Certificates to be paid from funds transferred from the Policy Payments Account shall be noted as provided in Section 4.11(c) and in the
statement to be furnished to Holders of the Class II-A1D2 Certificates pursuant to Section 4.02.  Funds held in the Policy Payments Account shall not be invested. 

(c)          The Securities Administrator shall promptly notify the Certificate Insurer and its fiscal agent of any proceeding or the institution of any action, of which a Responsible Officer of the Securities Administrator has actual knowledge, seeking the avoidance as a preferential transfer under applicable bankruptcy, insolvency, receivership or similar law (a “Preference Claim”) of any Guaranteed Distributions made with respect to the Class II-A1D2 Certificates.  Each Holder of the Certificates, by its purchase of such Certificates, the Servicers, the Master Servicer, the Securities Administrator, the Depositor and the Trustee hereby agree that the Certificate Insurer (so long as no Certificate Insurer Default has occurred and is continuing) may 

 

at any time during the continuation of any proceeding relating to a Preference Claim direct all matters relating to such Preference Claim, including, without limitation, (i) the direction of any appeal of any order relating to such Preference Claim and (ii) the posting of any surety, supersedeas or performance bond pending any such appeal.  In addition and without limitation of the foregoing, the Certificate Insurer shall be subrogated to the rights of the Servicers, the Depositor, the Master Servicer, the Securities Administrator, the Trustee and each Holder of the Class II-A1D2 Certificates in the conduct of any such Preference Claim, including, without limitation, all rights of any party to an adversary proceeding action with respect to any court order issued in connection with any such Preference Claim. Any funds remaining in the Policy Payments Account on the first Business Day following a
Distribution Date shall be remitted to the Certificate Insurer, pursuant to the instructions of the Certificate Insurer, by the end of such Business Day.

(d)          On any Distribution Date with respect to which a claim has been made under the Class II-A1D2 Policy, the amount of any funds received by the Securities Administrator as a result of any claim under the Class II-A1D2 Policy, to the extent required to pay the Guaranteed Distributions on such Distribution Date, shall be withdrawn from the Policy Payments Account and deposited in the Certificate Account and applied by the Securities Administrator directly to the payment in full of the Guaranteed Distributions due on the Class II-A1D2 Certificates. Any funds received from the Certificate Insurer pursuant to the Class II-A1D2 Policy in respect of a Distribution Date or otherwise as a result of any claim under the Class II-A1D2 Policy shall be applied by the Securities Administrator directly to
the payment in full (i) of the Guaranteed Distribution due on such Distribution Date on the Class II-A1D2 Certificates, or (ii) of other amounts payable under the Class II-A1D2 Policy. Funds received by the Trustee or the Securities Administrator as a result of any claim under the Class II-A1D2 Policy shall be used solely for payment to the Holders of the Class II-A1D2 Certificates and may not be applied for any other purpose, including, without limitation, satisfaction of any costs, expenses or liabilities of the Trustee, the Master Servicer or the Trust Fund.

(e)          The Securities Administrator shall keep complete and accurate records in respect of (i) all funds remitted to it by the Certificate Insurer and (ii) the allocation of such funds to (A) payments of interest on and principal in respect of any Class II-A1D2 Certificates, (B) Realized Losses allocated to the Class II-A1D2 Certificates and (C) the amount of funds available to make distributions on the Class II-A1D2 Certificates pursuant to Section 4.01. The Certificate Insurer shall have the right to inspect such records at reasonable times during normal business hours upon three Business Days’ prior notice to the Securities Administrator.

(f)           The Trustee and the Securities Administrator each acknowledge, and each Holder of a Class II-A1D2 Certificate by its acceptance of the Class II-A1D2 Certificate agrees, that, without the need for any further action on the part of the Certificate Insurer or the Trustee, to the extent the Certificate Insurer makes payments, directly or indirectly, on account of principal of or interest on any Class II-A1D2 Certificates, the Certificate Insurer will be fully subrogated to the rights of the Holders of such Class II-A1D2 Certificates to receive such principal and interest from the Trust Fund.  The Holders of the Class II-A1D2 Certificates, by acceptance of the Class II-A1D2 Certificates, assign their rights as Holders of the Class II-A1D2 Certificates to the extent of the Certificate
Insurer’s interest with respect to amounts paid under the Class II-A1D2 Policy.  Anything herein to the contrary notwithstanding, solely for purposes of determining the 

 

Certificate Insurer’s rights, as applicable, as subrogee for payments distributable pursuant to Section 4.01, any payment with respect to distributions to the Class II-A1D2 Certificates which is made with funds received pursuant to the terms of the Class II-A1D2 Policy, shall not be considered payment of the Class II-A1D2 Certificates from the Trust Fund and shall not result in the distribution or the provision for the distribution in reduction of the Class Certificate Balance of the Class II-A1D2 Certificates within the meaning of Article IV.

(g)          Upon its becoming aware of the occurrence of an Event of Default, the Securities Administrator shall promptly notify the Certificate Insurer of such Event of Default. The Trustee, the Depositor, the Master Servicer and the Securities Administrator shall cooperate in all respects with any reasonable request by the Certificate Insurer for action to preserve or enforce the Certificate Insurer’s rights or interests under this Agreement without limiting the rights or affecting the interests of the Holders as otherwise set forth herein.

(h)          The Securities Administrator shall promptly notify the Certificate Insurer of either of the following as to which it has actual knowledge: (A) the commencement of any proceeding by or against the Depositor commenced under the United States bankruptcy code or any other applicable bankruptcy, insolvency, receivership, rehabilitation or similar law (an “Insolvency Proceeding”) and (B) the making of any claim in connection with any Insolvency Proceeding seeking the avoidance as a preferential transfer (a “Preference Claim”) of any distribution made with respect to the Class II-A1D2 Certificates as to which it has actual knowledge. In addition and without limitation of the foregoing, the Certificate Insurer shall be subrogated to the rights of the Trustee, the Securities
Administrator and each Holder of a Class II-A1D2 Certificate in the conduct of any Preference Claim, including, without limitation, all rights of any party to an adversary proceeding action with respect to any court order issued in connection with any such Preference Claim.

(i)           The Master Servicer shall designate a contact person who shall be available within a reasonable period of time to the Certificate Insurer to provide reasonable access to information regarding the Mortgage Loans.

(j)           The Trustee shall surrender the Class II-A1D2 Policy to the Certificate Insurer for cancellation upon the reduction of the Class Certificate Balance of the Class II-A1D2 Certificates to zero.

(k)          The Securities Administrator shall send to the Certificate Insurer the reports prepared pursuant to Sections 3.21 and 3.22 and the statements prepared pursuant to Section 4.02, as well as any other statements or communications sent to Holders of the Class II-A1D2 Certificates, in each case at the same time such reports, statements and communications are otherwise sent.

(l)           For so long as there is no continuing default by the Certificate Insurer under its obligations under the Class II-A1D2 Policy (a “Certificate Insurer Default”), each Holder of a Class II-A1D2 Certificate agrees that the Certificate Insurer shall be treated by the Depositor, the Master Servicer, the Securities Administrator and the Trustee as if the Certificate Insurer were the Holder of all of the Class II-A1D2 Certificates for the purpose (and solely for the purpose) of 

 

the giving of any consent, the making of any direction or the exercise of any voting or other control rights otherwise given to the Holders of the Class II-A1D2 Certificates hereunder.

(m)         With respect to this Section 4.11, (i) the terms “Receipt” and “Received” shall mean actual delivery to the Certificate Insurer and the Fiscal Agent, if any, if any, prior to 12:00 noon, New York City time, on a Business Day; delivery either on a day that is not a Business Day or after 12:00 noon, New York City time, shall be deemed to be Received on the next succeeding Business Day.  If any notice or certificate given under the Class II-A1D2 Policy by the Securities Administrator is not in proper form or is not properly completed, executed or delivered, or contains any misstatement, it shall be deemed not to have been Received. The Certificate Insurer or its Fiscal Agent, if any, shall promptly so advise the Securities Administrator and the Securities Administrator may
submit an amended notice and (ii) “Business Day” means any day other than (A) a Saturday or Sunday or (B) a day on which the Certificate Insurer or banking institutions in the City of New York, New York, or the city in which the Corporate Trust Office of the Securities Administrator is located, are authorized or obligated by law or executive order to be closed.

(n)          Under the terms of the Class II-A1D2 Policy, Guaranteed Distributions will not include, and the Class II-A1D2 Policy will not cover interest shortfalls due to any Prepayment Interest Shortfalls, Relief Act Interest Shortfalls, Basis Risk Shortfalls or any taxes, withholding or other charges imposed by any governmental authority.

(o)          The Trustee designates, appoints, authorizes and directs the Securities Administrator to deliver on behalf of the Trustee the notices in accordance with Section 4.11(a) and Section 11.11(a) and to make, on behalf of and with full power to bind the Trustee, any of the agreements or covenants of the Trustee contained therein. To the extent necessary, this Agreement shall constitute an irrevocable limited power of attorney, coupled with an interest, from the Trustee to the Securities Administrator, to accomplish the foregoing.

	
             
  	
            Section 4.12
 	
            Trustee to Hold the Class II-A1D2 Policy.
 

The Trustee shall hold the Class II-A1D2 Policy in trust as agent for the Holders of the Class II-A1D2 Certificates for the purpose of making claims thereon and distributing the proceeds thereof.  Upon the later of (a) the date upon which the Certificate Principal Balance of the Class II-A1D2 Certificates has been reduced to zero and all Guaranteed Distributions have been paid and (b) the date the “Term of This Policy” (as defined in the Class II-A1D2 Policy) ends, the Trustee shall surrender the Class II-A1D2 Policy to the Certificate Insurer for cancellation.  Neither the Class II-A1D2 Policy nor the amounts paid on the Class II-A1D2 Policy will constitute part of the Trust Fund or assets of any Trust REMIC created by this Agreement.  Each Holder of Class II-A1D2 Certificates, by accepting its Certificates, appoints the Securities Administrator as attorney in fact for the
purpose of making claims under the Class II-A1D2 Policy. 

 

 

ARTICLE V

 

THE CERTIFICATES

	
             
  	
            Section 5.01
 	
            The Certificates.
 

(a)          The Certificates will be substantially in the respective forms annexed hereto as Exhibits A and B-1 through B-4.  The Certificates will be issuable in registered form only.  The Certificates (other than the Class P Certificates, the Class C Certificates and the Residual Certificates) will be issued in minimum denominations of $100,000 Initial Certificate Principal Balance and integral multiples of $1 in excess thereof.  The Class C Certificates will be issued in minimum denominations of $1.00 Initial Notional Amount and integral multiples of $1.00 in excess thereof.  The Class P Certificates and the Residual Certificates will each be issuable in minimum denominations of any Percentage Interest representing 20.00% and multiples of 0.01% in excess thereof.

Upon original issue, the Certificates shall, upon the written request of the Company executed by an officer of the Company, be executed and delivered by the Securities Administrator, authenticated by the Securities Administrator and delivered to or upon the order of the Company upon receipt by the Securities Administrator of the documents specified in Section 2.01.  The Certificates shall be executed by manual or facsimile signature on behalf of the Securities Administrator by a Responsible Officer.  Certificates bearing the manual or facsimile signatures of individuals who were at the time they signed the proper officers of the Securities Administrator shall bind the Securities Administrator, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Certificates or did not hold such offices at the date of such
Certificates.  No Certificate shall be entitled to any benefit under this Agreement, or be valid for any purpose, unless there appears on such Certificate a certificate of authentication substantially in the form provided for herein executed by the Securities Administrator by manual signature, and such certificate upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder.  All Certificates issued on the Closing Date shall be dated the Closing Date and any Certificates delivered thereafter shall be dated the date of their authentication.

(b)          The Class A Certificates and the Class M Certificates shall initially be issued as one or more Certificates registered in the name of the Company or its nominee and, except as provided below, registration of such Certificates may not be transferred by the Securities Administrator except to another Company that agrees to hold such Certificates for the respective Certificate Owners with Ownership Interests therein.  The Certificate Owners shall hold their respective Ownership Interests in and to each of such Book-Entry Certificates through the book-entry facilities of the Company and, except as provided below, shall not be entitled to Definitive Certificates in respect of such Ownership Interests.  All transfers by Certificate Owners of their respective Ownership Interests in the
Book-Entry Certificates shall be made in accordance with the procedures established by the Company Participant or brokerage firm representing such Certificate Owner.  Each Company Participant shall transfer the Ownership Interests only in the Book-Entry Certificates of Certificate Owners it represents or of brokerage firms for which it acts as agent in accordance with the Company’s normal procedures. The 

 

Securities Administrator shall not be required to monitor, determine or inquire as to compliance with the transfer restrictions with respect to the Book-Entry Certificates, and the Securities Administrator shall have no liability for transfers of Ownership Interests in the Book Entry Certificates made through the book-entry facilities of the Depositary or between or among Depositary Participants or Certificate Owners, made in violation of the applicable restrictions.

The Trustee, the Securities Administrator, the Master Servicer and the Company may for all purposes (including the making of payments due on the respective Classes of Book-Entry Certificates) deal with the Company as the authorized representative of the Certificate Owners with respect to the respective Classes of Book-Entry Certificates for the purposes of exercising the rights of Certificateholders hereunder.  The rights of Certificate Owners with respect to the respective Classes of Book-Entry Certificates shall be limited to those established by law and agreements between such Certificate Owners and the Company Participants and brokerage firms representing such Certificate Owners.  Multiple requests and directions from, and votes of, the Company as Holder of any Class of Book-Entry Certificates with respect to any particular matter shall not be deemed inconsistent if they are made
with respect to different Certificate Owners.  The Securities Administrator may establish a reasonable record date in connection with solicitations of consents from or voting by Certificateholders and shall give notice to the Company of such record date.

If (i)(A) the Company advises the Securities Administrator in writing that the Company is no longer willing or able to properly discharge its responsibilities as Company and (B) the Company is unable to locate a qualified successor or (ii) the Company, with the consent of Certificate Owners, advises the Securities Administrator in writing that it elects to terminate the book-entry system through the Company, the Securities Administrator shall notify all Certificate Owners, through the Company, of the occurrence of any such event and of the availability of Definitive Certificates to Certificate Owners requesting the same.  Upon surrender to the Securities Administrator of the Book-Entry Certificates by the Company, accompanied by registration instructions from the Company for registration of transfer, the Securities Administrator shall, at the expense of the Company, issue the Definitive
Certificates.  Neither the Company, the Master Servicer nor the Securities Administrator shall be liable for any actions taken by the Company or its nominee, including, without limitation, any delay in delivery of such instructions and may conclusively rely on, and shall be protected in relying on, such instructions.  Upon the issuance of Definitive Certificates the Trustee, the Securities Administrator and the Master Servicer shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder.

(c)          Each Certificate is intended to be a “security” governed by Article 8 of the Uniform Commercial Code as in effect in the State of New York and any other applicable jurisdiction, to the extent that any of such laws may be applicable.

	
             
  	
            Section 5.02
 	
            Registration of Transfer and Exchange of Certificates.
 

(a)          The Securities Administrator shall maintain a Certificate Register in which, subject to such reasonable regulations as it may prescribe, the Securities Administrator shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided.

 

 

(b)          Except as provided in Section 5.02(c), no transfer, sale, pledge or other disposition of a Class M-10, Class P, Class C or Residual Certificate shall be made unless such transfer, sale, pledge or other disposition is exempt from the registration requirements of the Securities Act of 1933, as amended (the “Act”), and any applicable state securities laws or is made in accordance with said Act and laws.  In the event that a transfer of a Class M-10, Class P, Class C or Residual Certificate is to be made under this Section 5.02(b), (i) the Securities Administrator shall require an Opinion of Counsel acceptable to and in form and substance satisfactory to the Securities Administrator that such transfer shall be made pursuant to an exemption, describing the applicable exemption and
the basis therefor, from said Act and laws or is being made pursuant to said Act and laws, which Opinion of Counsel shall not be an expense of the Securities Administrator, the Trustee, the Company or the Master Servicer, provided that such Opinion of Counsel will not be required in connection with the initial transfer of any such Certificate by the Company or any affiliate thereof, to a non-affiliate of the Company and (ii) the Securities Administrator shall require the transferee to execute a representation letter, substantially in the form of Exhibit G-1 hereto, and the Securities Administrator shall require the transferor to execute a representation letter, substantially in the form of Exhibit G-2 hereto, each acceptable to and in form and substance satisfactory to the Securities Administrator certifying to the Company and the Securities Administrator the facts surrounding such transfer, which representation letters shall not be an expense of the Securities Administrator, the
Trustee, the Company or the Master Servicer; provided, however, that such representation letters will not be required in connection with any transfer of any such Certificate by the Company to an affiliate of the Company and the Securities Administrator shall be entitled to conclusively rely upon a representation (which, upon the request of the Securities Administrator, shall be a written representation) from the Company of the status of such transferee as an affiliate of the Company.  Any such Certificateholder desiring to effect such transfer shall, and does hereby agree to, indemnify the Securities Administrator, the Trustee, the Company and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such applicable federal and state laws.

(c)          Notwithstanding the requirements of Section 5.02(b), transfers of Class M-10, Class P, Class C and Residual Certificates may be made in accordance with this Section 5.02(c) if the prospective transferee of a Certificate provides the Securities Administrator and the Company with an investment letter substantially in the form of Exhibit G-3 attached hereto, which investment letter shall not be an expense of the Securities Administrator, the Trustee, the Company or the Master Servicer, and which investment letter states that, among other things, such transferee is a “qualified institutional buyer” as defined under Rule 144A, provided that, in the case of any Book-Entry Certificate, such transferee shall be deemed to have made such representations and warranties contained in such
investment letter. Such transfers shall be deemed to have complied with the requirements of Section 5.02(b) hereof; provided, however, that no Transfer of any of the Class P Certificates, Class C Certificates or Residual Certificates may be made pursuant to this Section 5.02(c) by the Company.  Any such Certificateholder desiring to effect such transfer shall, and does hereby agree to, indemnify the Securities Administrator, the Trustee, the Company and the Master Servicer against any liability that may result if the transfer is not so exempt or is not made in accordance with such applicable federal and state laws.  

 

 

The Securities Administrator shall require an Opinion of Counsel, on which the Securities Administrator, the Trustee, the Company and the Master Servicer may rely, from a prospective transferee prior to the transfer of any ERISA Restricted Certificate to any employee benefit plan or other retirement arrangement, including an individual retirement account or Keogh plan, that is subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), or Section 4975 of the Code (any of the foregoing, a “Plan”), to a trustee or other Person acting on behalf of any Plan, or to any other person who is using “plan assets” of any Plan to effect such acquisition (including any insurance company using funds in its general or separate accounts that may constitute “plan assets”).  Such Opinion of Counsel must establish to the satisfaction of the
Securities Administrator that such transfer is permissible under applicable law, will not constitute or result in a prohibited transaction under Section 406 of ERISA or Section 4975 of the Code, and will not subject the Securities Administrator, the Trustee, the Master Servicer or the Company to any obligation in addition to those undertaken in this Agreement.  None of the Company, the Master Servicer, the Securities Administrator or the Trustee will be required to obtain such Opinion of Counsel on behalf of any prospective transferee.  A purchaser of an ERISA Restricted Certificate shall be deemed to represent to the Securities Administrator, the Trustee, the Master Servicer and the Company that it is not a Plan or using assets of a Plan if it does not provide such an Opinion of Counsel.

For so long as the Supplemental Interest Trust is in existence, each beneficial owner of an Offered Certificate or any interest therein shall be deemed to have represented, by virtue of its acquisition or holding of the Offered Certificate, or interest therein, that either (i) it is not a Plan or a trustee or other Person acting on behalf of a Plan or using “plan assets” of a Plan to effect such acquisition (including any insurance company using funds in its general or separate accounts that may constitute “plan assets”) or (ii)(A) in the case of an Offered Certificate rated, at the time of purchase, not lower than BBB- (or its equivalent) by a Rating Agency, the beneficial owner is an accredited investor within the meaning of Prohibited Transaction Exemption 2002-41, as amended from time to time (the “Exemption”) and (B) the acquisition and holding of such
Certificate and the separate right to receive payments from the Supplemental Interest Trust are eligible for the exemptive relief available under Prohibited Transaction Class Exemption (“PTCE”) 84-14 (for transactions by independent “qualified professional asset managers”), 91-38 (for transactions by bank collective investment funds), 90-1 (for transactions by insurance company pooled separate accounts), 95-60 (for transactions by insurance company general accounts) or 96-23 (for transactions effected by “in-house asset managers”).

Each beneficial owner of a Class M Certificate or any interest therein that is acquired after the termination of the Supplemental Interest Trust shall be deemed to have represented, by virtue of its acquisition or holding of that certificate or interest therein, that either (i) it is not a Plan or a trustee or other Person acting on behalf of a Plan or using “plan assets” of a Plan to effect such acquisition (including any insurance company using funds in its general or separate accounts that may constitute “plan assets”), (ii) in the case of Certificates other than the Class M-10 Certificates, it has acquired and is holding such certificate in reliance on the “Exemption, and that it understands that there are certain conditions to the availability of the Exemption, including that the certificate must be rated, at the time of purchase, not lower than
“BBB-” (or its equivalent) by S&P, Fitch or Moody’s, and the certificate is so rated or (iii) (1) it is an insurance company, (2) the source of funds used to acquire or hold the certificate or interest therein is an “insurance company general account,” as such term is defined in PTCE 95-60, and (3) the 

 

conditions in Sections I and III of PTCE 95-60 have been satisfied.  In lieu of such a representation, a beneficial owner of a Class M-10 Certificate may provide the Opinion of Counsel in the immediately preceding paragraph.

If any Certificate, or any interest therein, is acquired or held in violation of this section 5.02(c), the next preceding permitted beneficial owner will be treated as the beneficial owner of that Certificate, retroactive to the date of transfer to the purported beneficial owner. Any purported beneficial owner whose acquisition or holding of a Certificate, or interest therein, was effected in violation of this section shall indemnify to the extent permitted by law and hold harmless the Company, the Seller, the Master Servicer, any servicer, the Securities Administrator, any Underwriter and the Trustee from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding.

	
             
  	
            (d)
 	
            [Reserved]
 

(e)          (i)  Each Person who has or who acquires any Ownership Interest in a Residual Certificate shall be deemed by the acceptance or acquisition of such Ownership Interest to have agreed to be bound by the following provisions and to have irrevocably authorized the Trustee or its designee under clause (iii)(A) below to deliver payments to a Person other than such Person and to negotiate the terms of any mandatory sale under clause (iii)(B) below and to execute all instruments of transfer and to do all other things necessary in connection with any such sale.  The rights of each Person acquiring any Ownership Interest in a Residual Certificate are expressly subject to the following provisions:

	
             
 	
            (A)
 	
            Each Person holding or acquiring any Ownership Interest in a Residual Certificate shall be a Permitted Transferee and shall promptly notify the Securities Administrator of any change or impending change in its status as a Permitted Transferee.
 

	
             
 	
            (B)
 	
            In connection with any proposed Transfer of any Ownership Interest in a Residual Certificate, the Securities Administrator shall require delivery to it, and shall not register the Transfer of any Residual Certificate until its receipt of (I) an affidavit and agreement (a “Transfer Affidavit and Agreement” in the form attached hereto as Exhibit G-5) from the proposed Transferee, in form and substance satisfactory to the Securities Administrator representing and warranting, among other things, that it is a Permitted Transferee, that it is not acquiring its Ownership Interest in the Residual Certificate that is the subject of the proposed Transfer as a nominee, trustee or agent for any Person who is not a Permitted Transferee, that for so long as it retains its Ownership Interest in a Residual Certificate, it will endeavor
to remain a Permitted Transferee, and that it has reviewed the provisions of this Section 5.02 and agrees to be bound by them, and (II) a certificate, in the form attached hereto as Exhibit G-4, from the Holder wishing to transfer the Residual Certificate, in form and substance satisfactory to the Securities Administrator representing and warranting, among other things, that no purpose of the proposed Transfer is to impede the assessment or collection of tax.
 

 

 

	
             
 	
            (C)
 	
            Notwithstanding the delivery of a Transfer Affidavit and Agreement by a proposed Transferee under clause (B) above, if a Responsible Officer of the Securities Administrator assigned to this transaction has actual knowledge that the proposed Transferee is not a Permitted Transferee, no Transfer of an Ownership Interest in a Residual Certificate to such proposed Transferee shall be effected.
 

	
             
 	
            (D)
 	
            Each Person holding or acquiring any Ownership Interest in a Residual Certificate shall agree (x) to require a Transfer Affidavit and Agreement from any other Person to whom such Person attempts to transfer its Ownership Interest in a Residual Certificate and (y) not to transfer its Ownership Interest unless it provides a certificate to the Securities Administrator in the form attached hereto as Exhibit G-4.
 

	
             
 	
            (E)
 	
            Each Person holding or acquiring an Ownership Interest in a Residual Certificate, by purchasing an Ownership Interest in such Certificate, agrees to give the Securities Administrator written notice that it is a “pass-through interest holder” within the meaning of Temporary Treasury Regulations Section 1.67-3T(a)(2)(i)(A) immediately upon acquiring an Ownership Interest in a Residual Certificate, if it is “a pass-through interest holder”, or is holding an Ownership Interest in a Residual Certificate on behalf of a “pass-through interest holder.”
 

(ii)          The Securities Administrator will register the Transfer of any Residual Certificate only if it shall have received the Transfer Affidavit and Agreement in the form attached hereto as Exhibit G-5, a certificate of the Holder requesting such transfer in the form attached hereto as Exhibit G-4 and all of such other documents as shall have been reasonably required by the Securities Administrator as a condition to such registration.  Transfers of the Residual Certificates other than to Permitted Transferees are prohibited.

(iii)        (A)       If any Person other than a Permitted Transferee shall become a Holder of a Residual Certificate, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Residual Certificate.  If a Non-United States Person shall become a Holder of a Residual Certificate, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Residual Certificate.  If a transfer of a Residual Certificate is disregarded pursuant to
the provisions of Treasury Regulations Section 1.860E-1 or Section 1.860G-3, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such transfer of such Residual Certificate. The prior Holder shall be entitled to recover from any purported Holder of a Residual Certificate that was in fact not a Permitted Transferee under this Section 5.05(b) at the time it became a Holder all payments made on such Residual Certificate.  Each Holder of a Residual Certificate, by acceptance thereof, shall be deemed for all purposes to have consented to the provisions of this clause (b) and to any amendment of this Agreement deemed necessary (whether as 

 

a result of new legislation or otherwise) by counsel of the Company to ensure that the Residual Certificates are not transferred to any Person who is not a Permitted Transferee and that any transfer of such Residual Certificates will not cause the imposition of a tax upon the Trust or cause any such REMIC to fail to qualify as a REMIC.  The Securities Administrator shall be under no liability to any Person for any registration of Transfer of a Residual Certificate that is in fact not permitted by this Section 5.02 or for making any payments due on such Certificate to the Holder thereof or for taking any other action with respect to such Holder under the provisions of this Agreement.

(B)         If any purported Transferee shall become a Holder of a Residual Certificate in violation of the restrictions in this Section 5.02 and to the extent that the retroactive restoration of the rights of the Holder of such Residual Certificate as described in clause (iii)(A) above shall be invalid, illegal or unenforceable, then the Securities Administrator shall have the right, without notice to the Holder or any prior Holder of such Residual Certificate, to sell such Residual Certificate to a purchaser selected by the Securities Administrator on such terms as the Securities Administrator may choose.  Such purported Transferee shall promptly endorse and deliver each Residual Certificate in accordance with the instructions of the Securities Administrator.  Such purchaser may be
the Securities Administrator itself.  The proceeds of such sale, net of the commissions (which may include commissions payable to the Securities Administrator), expenses and taxes due, if any, will be remitted by the Securities Administrator to such purported Transferee.  The terms and conditions of any sale under this clause (iii)(B) shall be determined in the sole discretion of the Securities Administrator, and the Securities Administrator shall not be liable to any Person having an Ownership Interest in a Residual Certificate as a result of its exercise of such discretion.

(iv)         The Securities Administrator shall make available to the Internal Revenue Service and those Persons specified by the REMIC Provisions, all information necessary to compute any tax imposed (A) as a result of the transfer of an ownership interest in a Residual Certificate to any Person who is a Disqualified Organization, including the information regarding “excess inclusions” of such Residual Certificates required to be provided to the Internal Revenue Service and certain Persons as described in Treasury Regulations Sections 1.860D-1(b)(5) and 1.860E-2(a)(5), and (B) as a result of any regulated investment company, real estate investment trust, common trust fund, partnership, trust, estate or organization described in Section 1381 of the Code that holds an
Ownership Interest in a Residual Certificate having as among its record Holders at any time any Person who is a Disqualified Organization.  The Securities Administrator may charge and shall be entitled to reasonable compensation for providing such information as may be required from those Persons which may have had a tax imposed upon them as specified in clauses (A) and (B) of this paragraph for providing such information.

(v)          Subject to the preceding paragraphs, upon surrender for registration of transfer of any Certificate at the office of the Securities Administrator maintained for 

 

such purpose, the Securities Administrator shall execute and the Securities Administrator shall authenticate and deliver, in the name of the designated transferee or transferees, one or more new Certificates of the same Class of a like aggregate Percentage Interest.  Every Certificate surrendered for transfer shall be accompanied by notification of the account of the designated transferee or transferees for the purpose of receiving distributions pursuant to Section 4.01 by wire transfer, if any such transferee desires and is eligible for distribution by wire transfer.

(vi)         At the option of the Certificateholders, Certificates may be exchanged for other Certificates of authorized denominations of the same Class of a like aggregate Percentage Interest, upon surrender of the Certificates to be exchanged at the office of the Securities Administrator. Whenever any Certificates are so surrendered for exchange the Securities Administrator shall execute, authenticate and deliver the Certificates which the Certificateholder making the exchange is entitled to receive.  Every Certificate presented or surrendered for transfer or exchange shall (if so required by the Trustee) be duly endorsed by, or be accompanied by a written instrument of transfer in the form satisfactory to the Trustee duly executed by, the Holder thereof or his attorney duly
authorized in writing.  In addition, with respect to each Class R Certificate, the Holder thereof may exchange, in the manner described above, such Class R Certificate for three separate Certificates, each representing such Holder’s respective Percentage Interest in the Class R-1, Class R-2 and Class R-3 Interest, respectively, in each case that was evidenced by the Class R Certificate being exchanged.

(vii)       No service charge shall be made to the Certificateholders for any transfer or exchange of Certificates, but the Securities Administrator may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

(viii)      All Certificates surrendered for transfer and exchange shall be canceled and retained by the Securities Administrator in accordance with the Securities Administrator’s standard procedures.

	
             
  	
            Section 5.03
 	
            Mutilated, Destroyed, Lost or Stolen Certificates.
 

If (i) any mutilated Certificate is surrendered to the Securities Administrator and the Securities Administrator receives evidence to its satisfaction of the destruction, loss or theft of any Certificate, and (ii) there is delivered to the Securities Administrator such security or indemnity as may be required by it to save it harmless, then, in the absence of notice to the Securities Administrator that such Certificate has been acquired by a bona fide purchaser, the Securities Administrator shall execute, authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of the same Class and Percentage Interest.  Upon the issuance of any new Certificate under this Section 5.03, the Securities Administrator may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in
relation thereto and any other expenses (including the fees and expenses of the Securities Administrator) connected therewith.  Any replacement Certificate issued pursuant to this Section shall constitute complete and indefeasible evidence of 

 

ownership in the Trust Fund, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time.

	
             
  	
            Section 5.04
 	
            Persons Deemed Owners.
 

The Company, the Master Servicer, Securities Administrator the Trustee and any agent of any of them may treat the person in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 4.01 and for all other purposes whatsoever, and neither the Company, the Master Servicer, the Trustee nor any agent of any of them shall be affected by notice to the contrary.

	
             
  	
            Section 5.05
 	
            Rule 144A Information.
 

For so long as any Class M-10, Class P, Class C and Residual Certificates are outstanding and are “restricted securities” within the meaning of Rule 144(a)(3) of the Securities Act, (1) the Company will provide or cause to be provided to any Holder of such Certificates and any prospective purchaser thereof designated by such a Holder, upon the request of such Holder or prospective purchaser, the information required to be provided to such Holder or prospective purchaser by Rule 144A(d)(4) under the Securities Act; and (2) the Company shall update such information from time to time in order to prevent such information from becoming false and misleading and will take such other actions as are necessary to ensure that the safe harbor exemption from the registration requirements of the Securities Act under Rule 144A is and will be available for resales of such Certificates conducted
in accordance with Rule 144A.  The Master Servicer shall cooperate with the Company and furnish the Company such information in the Master Servicer’s possession as the Company may reasonably request.

 

 

ARTICLE VI

 

THE COMPANY AND THE MASTER SERVICER

	
             
  	
            Section 6.01
 	
            Liability of the Company and the Master Servicer.
 

The Company and the Master Servicer each shall be liable in accordance herewith only to the extent of the obligations specifically imposed upon and undertaken by the Company and the Master Servicer herein.  Only the Master Servicer, any successor Master Servicer or the Trustee acting as Master Servicer shall be liable with respect to the master servicing of the Mortgage Loans and the REO Property for actions taken by any such Person in contravention of the Master Servicer’s duties hereunder.

Section 6.02     Merger, Consolidation or Conversion of the Company or the Master Servicer.

The Company and the Master Servicer each will keep in full effect its existence, rights and franchises as a corporation under the laws of the state of its incorporation, and each will obtain and preserve its qualification to do business as a foreign corporation in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of this Agreement, the Certificates or any of the Mortgage Loans and to perform its respective duties under this Agreement.

Any Person into which the Company or the Master Servicer may be merged, consolidated or converted, or any corporation resulting from any merger or consolidation to which the Company or the Master Servicer shall be a party, or any Person succeeding to the business of the Company or the Master Servicer, shall be the successor of the Company or the Master Servicer, as the case may be, hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that the successor or surviving Person to the Master Servicer or an affiliate thereof shall be qualified to service mortgage loans for Fannie Mae or Freddie Mac.

Section 6.03      Limitation on Liability of the Company, the Master Servicer, the Securities Administrator and Others.

Neither the Company, the Master Servicer nor any of the directors, officers, employees or agents of the Company or the Master Servicer shall be under any liability to the Trust Fund or the Certificateholders for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Company or the Master Servicer (but this provision shall protect the above described persons) against any breach of warranties or representations made herein, or against any specific liability imposed on the Master Servicer pursuant to Section 3.01 or any other Section hereof; and provided further that this provision shall not protect the Company, the Master Servicer or any such person, against any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or
gross negligence in the performance of duties or by reason of reckless disregard of obligations and duties hereunder.  The Company, the Master Servicer and any director, officer, employee or agent of the Company or the Master Servicer may 

 

rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder.  The Company, the Custodian, the Master Servicer, the Securities Administrator and any director, officer, employee or agent of the Company, the Custodian, the Master Servicer or the Securities Administrator shall be indemnified and held harmless by the Trust Fund (with respect to the Master Servicer, Custodian and Securities Administrator, in the aggregate up to a limit of $500,000 per calendar year), against any loss, liability or expense incurred in connection with this Agreement, the Custodial Agreement or the Certificates or the Mortgage Loans (including, without limitation, reasonable legal fees and disbursements of counsel), other than (a) any loss, liability or expense related to the Master Servicer’s
failure to perform its master servicing obligations with respect to any specific Mortgage Loan or Mortgage Loans (except as any such loss, liability or expense shall be otherwise reimbursable pursuant to this Agreement) or related to the Master Servicer’s obligations under Section 3.01, or to the Custodian’s failure to perform its duties under the Custodial Agreement, respectively, or (b) any loss, liability or expense incurred by reason of willful misfeasance, bad faith or gross negligence in the performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder.  None of the Company, the Master Servicer, the Custodian or the Securities Administrator shall be under any obligation to appear in, prosecute or defend any legal action which is not incidental to its respective duties under this Agreement and which in its opinion may involve it in any expense or liability; provided, however, that the Company, the Master Servicer, the Custodian or the Securities Administrator may in its sole discretion undertake any such action which it may deem necessary or desirable with respect to this Agreement and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder.  In such event, the legal expenses and costs of such action and any liability resulting therefrom (except any action or liability related to the Master Servicer’s obligations under Section 3.01) shall be expenses, costs and liabilities of the Trust Fund, and the Company, the Custodian, the Master Servicer and the Securities Administrator shall be entitled to be reimbursed therefor from the Certificate Account as provided in Section 3.18, any such right of reimbursement being prior to the rights of Certificateholders to receive any amount in the Certificate Account.

	
             
  	
            Section 6.04
 	
            Limitation on Resignation of the Master Servicer.
 

The Master Servicer shall not resign from the obligations and duties hereby imposed on it except (a) upon appointment of a successor master servicer reasonably acceptable to the Trustee upon receipt by the Trustee of a letter from each Rating Agency (obtained by the Master Servicer and at its expense) that such a resignation and appointment will not, in and of itself, result in a downgrading of the Certificates (without regard to the Class II-A1D2 Policy) or (b) upon determination that its duties hereunder are no longer permissible under applicable law.  Any such determination described in (b) above permitting the resignation of the Master Servicer shall be evidenced by an Opinion of Counsel (at the expense of the resigning Master Servicer) to such effect delivered to the Trustee.  No such resignation shall become effective until the Trustee or a successor servicer shall have assumed the
Master Servicer’s responsibilities, duties, liabilities and obligations hereunder.  Any resignation of the Master Servicer shall result in the automatic resignation of the Securities Administrator.

 

 

	
             
  	
            Section 6.05
 	
            Sale and Assignment of Master Servicing.
 

The Master Servicer may sell and assign its rights and delegate its duties and obligations in their entirety as Master Servicer under this Agreement; provided, however, that:  (i) the purchaser or transferee accepting such assignment and delegation (a) shall be a Person which shall be qualified to service mortgage loans for Fannie Mae or Freddie Mac; (b) shall, in the case of successor master servicers only, have a net worth of not less than $10,000,000 (unless otherwise approved by each Rating Agency pursuant to clause (ii) below); (c) shall be reasonably satisfactory to the Trustee (as evidenced in a writing signed by the Trustee) as having a comparable master servicing ability to that of the Master Servicer on the Closing Date; (d) shall execute and deliver to the Trustee an agreement, in
form and substance reasonably satisfactory to the Trustee, which contains an assumption by such Person of the due and punctual performance and observance of each covenant and condition to be performed or observed by it as master servicer under this Agreement and any custodial agreement, from and after the effective date of such agreement; (ii) each Rating Agency shall be given prior written notice of the identity of the proposed successor to the Master Servicer and each Rating Agency’s rating of the Certificates in effect immediately prior to such assignment, sale and delegation will not be downgraded or withdrawn (without regard to the Class II-A1D2 Policy) as a result of such assignment, sale and delegation, as evidenced by a letter to such effect obtained by the Master Servicer at its expense and delivered to the Trustee; and (iii) the Master Servicer assigning and selling the master servicing shall deliver to the Trustee an Officer’s Certificate and an Opinion of Counsel
(at the expense of the Master Servicer), each stating that all conditions precedent to such action under this Agreement have been completed and such action is permitted by and complies with the terms of this Agreement. No such assignment or delegation shall affect any liability of the Master Servicer arising prior to the effective date thereof.

 

 

ARTICLE VII

 

DEFAULT

	
             
  	
            Section 7.01
 	
            Events of Default.
 

“Event of Default”, wherever used herein, means any one of the following events:

(i)           any failure by the Master Servicer to deposit into the Certificate Account on each Certificate Account Deposit Date the amounts required to be deposited therein (other than an Advance) under the terms of this Agreement which continues unremedied for one (1) Business Day after such amount was required to be remitted; or

(ii)          any failure on the part of the Master Servicer duly to observe or perform in any material respect any other of the covenants or agreements on the part of the Master Servicer contained in the Certificates or in this Agreement (including any breach of the Master Servicer’s representations and warranties pursuant to Section 2.03(a) which materially and adversely affects the interests of the Certificateholders) which continues unremedied for a period of 60 days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer by the Trustee or to the Master Servicer and the Trustee by the Holders of Certificates entitled to at least 25% of the Voting Rights; or

(iii)         a decree or order of a court or agency or supervisory authority having jurisdiction in an involuntary case under any present or future federal or state bankruptcy, insolvency or similar law or the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshaling of assets and liabilities or similar proceedings, or for the winding-up or liquidation of its affairs, shall have been entered against the Master Servicer and such decree or order shall have remained in force undischarged or unstayed for a period of 60 consecutive days; or

(iv)         the Master Servicer shall consent to the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshaling of assets and liabilities or similar proceedings of or relating to the Master Servicer or of or relating to all or substantially all of its property; or

(v)          the Master Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of or otherwise voluntarily commence a case or proceeding under any applicable bankruptcy, insolvency, reorganization or other similar statute, make an assignment for the benefit of its creditors, or voluntarily suspend payment of its obligations; or

(vi)         the Master Servicer shall fail to deposit in the Certificate Account on any Certificate Account Deposit Date an amount equal to any required Advance which continues unremedied for a period of one (1) Business Day after the Business Day immediately preceding the related Distribution Date.

 

 

If an Event of Default described in clauses (i) - (vi) of this Section shall occur, then, and in each and every such case, so long as such Event of Default shall not have been remedied, the Trustee or the Holders of Certificates entitled to at least 51% of the Voting Rights, by notice in writing to the Master Servicer (and to the Trustee if given by such Holders of Certificates), with a copy to the Rating Agencies, may terminate all of the rights and obligations (but not the liabilities) of the Master Servicer under this Agreement and in and to the Trust Fund, other than its rights as a Certificateholder hereunder; provided, however, that the successor to the Master Servicer appointed pursuant to Section 7.02 shall have accepted the duties of Master Servicer effective upon the resignation or
termination of the Master Servicer.  On or after the receipt by the Master Servicer of such notice, all authority and power of the Master Servicer under this Agreement, whether with respect to the Certificates (other than as a Holder thereof) or the Mortgage Loans or otherwise, shall pass to and be vested in the Trustee pursuant to and under this Section, and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement or assignment of the Mortgage Loans and related documents, or otherwise at the expense of the Master Servicer. The Master Servicer agrees to cooperate with (and pay any related costs and expenses of) the Trustee in effecting the termination of the Master
Servicer’s responsibilities and rights hereunder, including, without limitation, the transfer to the Trustee or the successor Master Servicer for administration by it of (i) the property and amounts which are then or should be part of the Trust Fund or which thereafter become part of the Trust Fund; (ii) originals or copies of all documents of the Master Servicer reasonably requested by the Trustee to enable it to assume the Master Servicer’s duties thereunder; (iii) the rights and obligations of the Master Servicer under the Subservicing Agreement with respect to the Mortgage Loans; and (iv) all cash amounts which shall at the time be deposited by the Master Servicer or should have been deposited to the Custodial or the Certificate Account or thereafter be received with respect to the Mortgage Loans.  The Trustee shall not be deemed to have breached any obligation hereunder as a result of a failure to make or delay in making any distribution as and when required hereunder
caused by the failure of the Master Servicer to remit any amounts received by it or to deliver any documents held by it with respect to the Mortgage Loans.  For purposes of this Section 7.01, the Trustee shall not be deemed to have knowledge of an Event of Default unless a Responsible Officer of the Trustee has actual knowledge thereof or unless notice of any event which is in fact such an Event of Default is received by the Trustee as provided in Section 11.05 and such notice references the Certificates, the Trust Fund or this Agreement.

	
             
  	
            Section 7.02
 	
            Trustee to Act; Appointment of Successor.
 

Within 90 days of the time the Master Servicer receives a notice of termination pursuant to Section 7.01(i) - (vi), the Trustee or its appointed agent shall be the successor in all respects to the Master Servicer in its capacity as Master Servicer under this Agreement and the transactions set forth or provided for herein and shall be subject thereafter to all the responsibilities, duties and liabilities relating thereto placed on the Master Servicer including the obligation to make Advances which have been or will be required to be made (except for the responsibilities, duties and liabilities contained in Section 2.03 and its obligations to deposit amounts in respect of losses pursuant to 4.01(i)) by the terms and provisions hereof; and provided further, that any failure to perform such duties or responsibilities caused by the Master Servicer’s failure to 

 

provide information required by Section 4.03 shall not be considered a default by the Trustee hereunder.  As compensation therefor, the Trustee shall be entitled to all funds relating to the Mortgage Loans which the Master Servicer would have been entitled to charge to the Custodial Account and the Certificate Account if the Master Servicer had continued to act hereunder.  If the Trustee has become the successor to the Master Servicer in accordance with Section 6.04 or Section 7.02, then notwithstanding the above, if the Trustee shall be unwilling to so act, or shall be unable to so act, the Trustee may appoint, or petition a court of competent jurisdiction to appoint, any established housing and home finance institution, which is also a Fannie Mae- or Freddie Mac-approved mortgage servicing institution, having a net worth of not less than $10,000,000 as the successor to the Master Servicer hereunder in
the assumption of all or any part of the responsibilities, duties or liabilities of the Master Servicer hereunder. Pending appointment of a successor to the Master Servicer hereunder, the Trustee shall act in such capacity as herein above provided.  In connection with such appointment and assumption, the Trustee may make such arrangements for the compensation of such successor out of payments on Mortgage Loans as it and such successor shall agree; provided, however, that no such compensation shall be in excess of that permitted the Master Servicer hereunder.  Each of the Company, the Trustee and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession.  In no event shall the successor Master Servicer be liable for the acts or omissions of the predecessor Master Servicer.

In connection with the termination or resignation of the Master Servicer hereunder, either (i) the successor Master Servicer, including the Trustee if the Trustee is acting as successor Master Servicer, shall represent and warrant that it is a member of MERS in good standing and shall agree to comply in all material respects with the rules and procedures of MERS in connection with the servicing of the Mortgage Loans that are registered with MERS, in which case the predecessor Master Servicer shall cooperate with the successor Master Servicer in causing MERS to revise its records to reflect the transfer of servicing to the successor Master Servicer as necessary under MERS’ rules and regulations, or (ii) the predecessor Master Servicer shall cooperate with the successor Master Servicer in causing MERS to execute and deliver an assignment of Mortgage in recordable form to transfer the
Mortgage from MERS to the Trustee and to execute and deliver such other notices, documents and other instruments as may be necessary or desirable to effect a transfer of such Mortgage Loan or servicing of such Mortgage Loan on the MERS® System to the successor Master Servicer.  The predecessor Master Servicer shall file or cause to be filed any such assignment in the appropriate recording office.  The predecessor Master Servicer shall bear any and all fees of MERS, costs of preparing any assignments of Mortgage, and fees and costs of filing any assignments of Mortgage that may be required under this Section 7.02. The successor Master Servicer shall cause such assignment to be delivered to the Trustee promptly upon receipt of the original with evidence of recording thereon or a copy certified by the public recording office in which such assignment was recorded.

Any successor, including the Trustee, to the Master Servicer shall maintain in force during its term as master servicer hereunder policies and fidelity bonds to the same extent as the Master Servicer is so required pursuant to Section 3.18.

 

 

	
             
  	
            Section 7.03
 	
            Notification to Certificateholders.
 

(a)          Upon any such termination or appointment of a successor to the Master Servicer, the Trustee shall give prompt notice thereof to Certificateholders and to the Rating Agencies.

(b)          Within 60 days after the occurrence of any Event of Default, the Trustee shall transmit by mail to all Holders of Certificates notice of each such Event of Default hereunder known to the Trustee, unless such Event of Default shall have been cured or waived.

	
             
  	
            Section 7.04
 	
            Waiver of Events of Default.
 

The Holders representing at least 51% of the Voting Rights of Certificates affected by a default or Event of Default hereunder, may waive such default or Event of Default (other than an Event of Default set forth in Section 7.01(vi)); provided, however, that (a) a default or Event of Default under clause (i) of Section 7.01 may be waived only by all of the Holders of Certificates affected by such default or Event of Default and (b) no waiver pursuant to this Section 7.04 shall affect the Holders of Certificates in the manner set forth in the second paragraph of Section 11.01 or materially adversely affect any non-consenting Certificateholder.  Upon any such waiver of a default or Event of Default by the Holders representing the requisite percentage of Voting Rights of Certificates affected by
such default or Event of Default, such default or Event of Default shall cease to exist and shall be deemed to have been remedied for every purpose hereunder.  No such waiver shall extend to any subsequent or other default or Event of Default or impair any right consequent thereon except to the extent expressly so waived.  The Master Servicer shall give notice of any such waiver to the Rating Agencies.

	
             
  	
            Section 7.05
 	
            List of Certificateholders.
 

Upon written request of three or more Certificateholders of record, for purposes of communicating with other Certificateholders with respect to their rights under this Agreement, the Securities Administrator will afford such Certificateholders access during business hours to the most recent list of Certificateholders held by the Securities Administrator.

 

 

ARTICLE VIII

 

CONCERNING THE TRUSTEE AND SECURITIES ADMINISTRATOR

	
             
  	
            Section 8.01
 	
            Duties of Trustee and the Securities Administrator.
 

The Trustee, prior to the occurrence of an Event of Default and after the curing or waiver of all Events of Default which may have occurred, and the Securities Administrator each undertake to perform such duties and only such duties as are specifically set forth in this Agreement as duties of the Trustee and the Securities Administrator, respectively.  If an Event of Default occurs, is continuing and has not been waived, the Trustee shall exercise such of the rights and powers vested in it by this Agreement, and use the same degree of care and skill in their exercise as a prudent man would exercise or use under the circumstances in the conduct of his own affairs.  Any permissive right of the Trustee enumerated in this Agreement shall not be construed as a duty.

The Trustee and the Securities Administrator, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to the Trustee and the Securities Administrator which are specifically required to be furnished pursuant to any provision of this Agreement to the Trustee and the Securities Administrator, respectively, shall examine them in accordance with the requirements of this Agreement.  If any such instrument is found not to conform to the requirements of this Agreement in a material manner, the Trustee or the Securities Administrator, as applicable, shall take such action as it deems appropriate to have the instrument corrected, and if the instrument is not corrected to the Trustee’s or the Securities Administrator’s, as applicable, satisfaction, the Trustee or the Securities Administrator, as applicable, will
provide notice thereof to the Certificateholders. Notwithstanding the foregoing, neither the Trustee nor the Securities Administrator shall be responsible for the accuracy or content of any resolution, certificate, statement, opinion, report, document, order or other instrument furnished by the Master Servicer hereunder or any Opinion of Counsel required hereunder.

The Securities Administrator shall prepare and file or cause to be filed on behalf of the Trust Fund any tax return that is required with respect to any Trust REMIC pursuant to applicable federal, state or local tax laws.

The Securities Administrator covenants and agrees that it shall perform its obligations hereunder in a manner so as to maintain the status of any Trust REMIC under the REMIC Provisions and to prevent the imposition of any federal, state or local income, prohibited transaction, contribution or other tax on any of any Trust REMIC to the extent that maintaining such status and avoiding such taxes are within the control of the Securities Administrator and are reasonably within the scope of its duties under this Agreement.

 

 

No provision of this Agreement shall be construed to relieve the Trustee or the Securities Administrator from liability for its own negligent action, its own negligent failure to act or its own willful misconduct; provided, however, that:

(i)           The duties and obligations of the Trustee prior to the occurrence of an Event of Default, and after the curing or waiver of all such Events of Default which may have occurred and of the Securities Administrator, at all times, shall be determined solely by the express provisions of this Agreement.  Neither the Trustee nor the Securities Administrator shall be liable except for the performance of such duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee or the Securities Administrator and, in the absence of bad faith on the part of the Trustee or the Securities Administrator, respectively, the Trustee or the Securities Administrator may conclusively rely,
as to the truth of the statements and the correctness of the opinions expressed therein, upon any certificates or opinions furnished to the Trustee or the Securities Administrator and conforming to the requirements of this Agreement;

(ii)          Neither the Trustee nor the Securities Administrator shall be liable for an error of judgment made in good faith by a Responsible Officer or Responsible Officers of the Trustee or of the Securities Administrator, as applicable, unless it shall be proved that the Trustee or Securities Administrator, respectively, was negligent in ascertaining the pertinent facts; and

(iii)         Neither the Trustee nor the Securities Administrator shall be liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of the Holders of Certificates entitled to at least 25% of the Voting Rights relating to the time, method and place of conducting any proceeding for any remedy available to the Trustee or the Securities Administrator, respectively, or exercising any trust or power conferred upon the Trustee or the Securities Administrator, respectively, under this Agreement.

	
             
  	
            Section 8.02
 	
            Certain Matters Affecting the Trustee and the Securities Administrator.
 

Except as otherwise provided in Section 8.01:

(a)          The Trustee and the Securities Administrator may conclusively rely upon and shall be fully protected in acting or refraining from acting in reliance upon any resolution, Officers’ Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document reasonably believed by it to be genuine and to have been signed or presented by the proper party or parties;

(b)          The Trustee and the Securities Administrator may consult with counsel and any written advice or Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance therewith;

 

 

(c)          Neither the Trustee nor the Securities Administrator shall be under any obligation to exercise any of the trusts or powers vested in it by this Agreement, other than its obligation to give notice pursuant to this Agreement, or to institute, conduct or defend any litigation hereunder or in relation hereto at the request, order or direction of any of the Certificateholders, pursuant to the provisions of this Agreement, unless such Certificateholders shall have offered to the Trustee or Securities Administrator security or indemnity satisfactory to it against the costs, expenses and liabilities which may be incurred therein or thereby; nothing contained herein shall, however, relieve the Trustee of the obligation, upon the occurrence of an Event of Default of which a Responsible Officer of
the Trustee’s corporate trust department has actual knowledge (which has not been waived or cured), to exercise such of the rights and powers vested in it by this Agreement, and to use the same degree of care and skill in their exercise as a prudent man would exercise or use under the circumstances in the conduct of his own affairs;

(d)          Neither the Trustee nor the Securities Administrator shall be liable for any action taken, suffered or omitted by it in good faith and believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Agreement;

(e)          Neither the Trustee prior to the occurrence of an Event of Default hereunder and after the curing or waiver of all Events of Default which may have occurred, nor the Securities Administrator, at any time, shall be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document, unless requested in writing to do so by the Holders of Certificates entitled to at least 25% of the Voting Rights; provided, however, that if the payment within a reasonable time to the Trustee or Securities Administrator, as applicable, of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the
Trustee or Securities Administrator, as applicable, reasonably assured to the Trustee or the Securities Administrator, as applicable, by the security afforded to it by the terms of this Agreement reasonable expense of every such examination shall be paid by the Certificateholders requesting the investigation;

(f)           The Trustee and the Securities Administrator may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents, nominees, custodians or attorneys appointed with due care, and shall not be responsible for any willful misconduct or negligence on the part of any agent, attorney, custodian or nominee so appointed;

(g)          Neither the Trustee nor the Securities Administrator shall be required to give any bond or surety with respect to the execution of the trust created hereby or the powers granted hereunder; and

(h)          Whenever in the administration of the provisions of this Agreement the Trustee and the Securities Administrator shall deem it necessary or desirable that a matter be proved or established prior to taking or suffering any action to be taken hereunder, such matter (unless other evidence in respect thereof be herein specifically prescribed) may, in the absence of gross negligence or bad faith on the part of the Trustee or the Securities Administrator, as applicable, be deemed to be conclusively proved and established by a certificate signed and delivered to the Trustee or Securities Administrator, as applicable, and such certificate, in the absence of gross 

 

negligence or bad faith on the part of the Trustee or Securities Administrator, as applicable, shall be full warrant to the Trustee or Securities Administrator, as applicable, for any action taken, suffered or omitted by it under the provisions of this Agreement upon the faith thereof.

Neither the Trustee nor the Securities Administrator shall have any obligation to invest and reinvest any cash held.  The Trustee and the Securities Administrator shall have no liability in respect of losses incurred as a result of the liquidation of any investment incurred as a result of the liquidation of any investment prior to its stated maturity.

Section 8.03          Trustee and Securities Administrator Not Liable for Certificates or Mortgage Loans.

The recitals contained herein and in the Certificates (other than the signature of the Securities Administrator, the authentication of the Securities Administrator on the Certificates, the acknowledgments of the Securities Administrator contained in Article II) shall be taken as the statements of the Company and neither the Trustee nor the Securities Administrator assumes any responsibility for their correctness.  Neither the Trustee nor the Securities Administrator makes any representations or warranties as to the validity or sufficiency of this Agreement or of the Certificates (other than the signature and authentication of the Trustee on the Certificates) or of any Mortgage Loan or related document, or of MERS or the MERS® System.  Neither the Trustee nor the Securities Administrator shall be accountable for the use or application by the Company of any of the Certificates or of
the proceeds of such Certificates, or for the use or application of any funds paid to the Company or the Master Servicer in respect of the Mortgage Loans or deposited in or withdrawn from the Custodial Account by the Master Servicer.

	
             
  	
            Section 8.04
 	
            Trustee and Securities Administrator May Own Certificates.
 

Each of the Trustee and the Securities Administrator in its individual or any other capacity (other than as Trustee hereunder) may become the owner or pledgee of Certificates with the same rights it would have if it were not Trustee or the Securities Administrator, as applicable, and may otherwise deal with the parties hereto.

	
             
  	
            Section 8.05
 	
            Trustee’s and Securities Administrator’s Fees.
 

Each of the Trustee and Securities Administrator shall be compensated by the Master Servicer.  Such compensation (which shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust) shall be paid to each of the Trustee and the Securities Administrator for all services rendered by it in the execution of the trusts hereby created and in the exercise and performance of any of the powers and duties hereunder or of the Trustee and the Securities Administrator.  Except as otherwise provided in this Agreement, the Trustee and any director, officer, employee or agent of the Trustee shall be indemnified and held harmless by the Trust Fund against any claim, loss, liability, fee or expense incurred in connection with any Event of Default, any breach of this Agreement or any claim or legal action (including any pending or threatened claim or legal
action) relating to its acceptance or administration of the trusts hereunder or the Trustee’s performance under the Certificates, other than any claim, loss, liability or expense (i) sustained in connection with this Agreement related to the willful misfeasance, bad faith or negligence of the Master Servicer in the performance of 

 

its duties hereunder or (ii) incurred in connection with a breach constituting willful misfeasance, bad faith or negligence of the Trustee in the performance of its duties hereunder or by reason of reckless disregard of its obligations and duties hereunder.

The Master Servicer shall indemnify the Company, the Trustee and the Securities Administrator and any director, officer, employee or agent of the Company, the Trustee or the Securities Administrator against any such claim or legal action (including any pending or threatened claim or legal action), loss, liability, fee or expense that may be sustained in connection with this Agreement related to the willful misfeasance, bad faith, or negligence in the performance of the Master Servicer’s duties hereunder.

The provisions of this Section 8.05 shall survive the resignation or removal of the Trustee or the Securities Administrator or the termination of this Agreement.

	
             
  	
            Section 8.06
 	
            Eligibility Requirements for Trustee and the Securities Administrator.
 

The Trustee and the Securities Administrator hereunder shall at all times be a corporation or a national banking association organized and doing business under the laws of any state or the United States of America or the District of Columbia, authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of at least $50,000,000 and subject to supervision or examination by federal or state authority.  In addition, the Trustee and the Securities Administrator shall at all times be acceptable to the Rating Agency rating the Certificates.  If such corporation publishes reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purposes of this Section the combined capital and surplus of such corporation shall be deemed to be its combined capital and surplus as set forth
in its most recent report of condition so published.  In case at any time the Trustee or the Securities Administrator shall cease to be eligible in accordance with the provisions of this Section, the Trustee or the Securities Administrator, as applicable, shall resign immediately in the manner and with the effect specified in Section 8.07.  The corporation or national banking association serving as Trustee or Securities Administrator may have normal banking and trust relationships with the Seller and their affiliates or the Master Servicer and its affiliates.

	
             
  	
            Section 8.07
 	
            Resignation and Removal of the Trustee and the Securities Administrator.
 

The Trustee and the Securities Administrator may at any time resign and be discharged from the trusts hereby created by giving written notice thereof to the Master Servicer; with a copy to the Rating Agencies; provided, that such resignation shall not be effective until a successor trustee is appointed and accepts appointment in accordance with the following provisions; provided, however, that the resigning Trustee or Securities Administrator, as applicable, shall not resign and be discharged from the trusts hereby created until such time as the Rating Agency rating the Certificates approves the successor trustee or successor securities administrator.  Any resignation or removal of the Securities Administrator shall result in the automatic removal
of the Master Servicer to the extent that Wells Fargo Bank, N.A. is both the Securities Administrator and the Master Servicer.  Upon receiving such notice of resignation of the Trustee, the Master Servicer shall promptly appoint a successor trustee who meets the eligibility requirements of Section 8.06 by written instrument, in triplicate, one copy of which 

 

instrument shall be delivered to the resigning Trustee, and to the successor trustee.  Upon receiving notice of the resignation of the Securities Administrator, the Trustee shall promptly appoint a successor securities administrator who meets the eligibility requirements of Section 8.06 by written instrument, in triplicate, copies of which instrument shall be delivered to the resigning securities administrator and the successor securities administrator.  If no successor trustee or successor securities administrator shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Trustee or resigning Securities Administrator, as applicable may petition any court of competent jurisdiction for the appointment of a successor trustee or successor securities administrator, as applicable.

If at any time the Trustee or the Securities Administrator shall cease to be eligible in accordance with the provisions of Section 8.06 and shall fail to resign after written request therefor by the Master Servicer, or if at any time the Trustee or the Securities Administrator shall become incapable of acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee or Securities Administrator, as applicable, or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or Securities Administrator, as applicable, or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, the Master Servicer may remove the Trustee, or the Trustee shall remove the Securities Administrator, as applicable, and appoint a successor trustee or successor securities administrator, as applicable, who meets the eligibility
requirements of Section 8.06 by written instrument, in triplicate, which instrument shall be delivered to the Trustee or Securities Administrator, as applicable, so removed and to the successor trustee or successor securities administrator, as applicable.

The Holders of Certificates entitled to at least 51% of the Voting Rights may at any time remove the Trustee or Securities Administrator and appoint a successor trustee or successor securities administrator by written instrument or instruments, in triplicate, signed by such Holders or their attorneys-in-fact duly authorized, one complete set of which instruments shall be delivered to the Master Servicer (if the Trustee is removed), the Securities Administrator (if the Trustee is removed), and the Trustee (if the Securities Administrator is removed), one complete set to the Trustee or Securities Administrator so removed and one complete set to the successor so appointed.  A copy of such instrument shall be delivered to the Certificateholders and the Company by the Master Servicer (if the Trustee is removed) and by the Trustee (if the Securities Administrator is removed).

Any resignation or removal of the Trustee or Securities Administrator and appointment of a successor trustee or successor securities administrator pursuant to any of the provisions of this Section shall not become effective until acceptance of appointment by the successor trustee or successor securities administrator as provided in Section 8.08.

	
             
  	
            Section 8.08
 	
            Successor Trustee and Successor Securities Administrator.
 

Any successor trustee or successor securities administrator appointed as provided in Section 8.07 shall execute, acknowledge and deliver to the Master Servicer and to its predecessor trustee or predecessor securities administrator an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor trustee or predecessor 

 

securities administrator shall become effective and such successor trustee or successor securities administrator, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with the like effect as if originally named as trustee herein.  The predecessor trustee or predecessor securities administrator shall after payment of its outstanding fees and expenses, promptly deliver to the successor trustee or successor securities administrator all assets and records of the Trust Fund held by it hereunder, and the Master Servicer and the predecessor trustee or predecessor securities administrator shall execute and deliver all such instruments and do such other things as may reasonably be required for more fully and certainly vesting and confirming in the successor trustee or successor securities administrator all such
rights, powers, duties and obligations.

No successor trustee or successor securities administrator shall accept appointment as provided in this Section unless at the time of such acceptance such successor trustee or successor securities administrator shall be eligible under the provisions of Section 8.06.

Upon acceptance of appointment by a successor trustee or successor securities administrator as provided in this Section, the Master Servicer (in the case of a successor trustee) and the Trustee (in the case of a successor securities administrator) shall mail notice of the succession of such trustee or securities administrator hereunder to all Holders of Certificates at their addresses as shown in the Certificate Register.  If the Master Servicer (in the case of a successor trustee) and the Trustee (in the case of a successor securities administrator) fails to mail such notice within ten days after acceptance of appointment by the successor trustee successor securities administrator, the successor trustee successor securities administrator shall cause such notice to be mailed at the expense of the Master Servicer or Trustee, as the case may be.

	
             
  	
            Section 8.09
 	
            Merger or Consolidation of Trustee or Securities Administrator.
 

Any state bank or trust company or corporation or national banking association into which the Trustee or Securities Administrator may be merged or converted or with which it may be consolidated or any state bank or trust company or national banking association resulting from any merger, conversion or consolidation to which the Trustee or Securities Administrator shall be a party, or any state bank or trust company or corporation or national banking association succeeding to all or substantially all of the corporate trust business of the Trustee or Securities Administrator, shall be the successor of the Trustee or Securities Administrator hereunder, provided such state bank or trust company or corporation or national banking association shall be eligible under the provisions of Section 8.06 without the execution or filing of any paper or any further act on the part of any of the parties
hereto, anything herein to the contrary notwithstanding.

	
             
  	
            Section 8.10
 	
            Appointment of Co-Trustee or Separate Trustee.
 

Notwithstanding any other provisions hereof, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of the Trust Fund or property securing the same may at the time be located, the Master Servicer and the Trustee acting jointly shall have the power and shall execute and deliver all instruments to appoint one or more Persons approved by the Trustee to act as co-trustee or co-trustees, jointly with the Trustee, or separate trustee or 

 

separate trustees, of all or any part of the Trust Fund, and to vest in such Person or Persons, in such capacity, such title to the Trust Fund, or any part thereof, and, subject to the other provisions of this Section 8.10, such powers, duties, obligations, rights and trusts as the Master Servicer and the Trustee may consider necessary or desirable.  If the Master Servicer shall not have joined in such appointment within 15 days after the receipt by it of a request so to do, or in case an Event of Default shall have occurred and be continuing, the Trustee alone shall have the power to make such appointment without the Master Servicer.  No co-trustee or separate trustee hereunder shall be required to meet the terms of eligibility as a successor trustee under Section 8.06 hereunder and no notice to Holders of Certificates of the appointment of co-trustee(s) or separate trustee(s) shall be required under
Section 8.08 hereof.

In the case of any appointment of a co-trustee or separate trustee pursuant to this Section 8.10, all rights, powers, duties and obligations conferred or imposed upon the Trustee and required to be conferred or such co-trustee shall be conferred or imposed upon and exercised or performed by the Trustee and such separate trustee or co-trustee jointly, except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed (whether as Trustee hereunder or as successor to the Master Servicer hereunder), the Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations (including the holding of title to the Trust Fund or any portion thereof in any such jurisdiction) shall be exercised and performed by such separate trustee or co-trustee at the direction of the Trustee.

Any notice, request or other writing given to the Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them.  Every instrument appointing any separate trustee or co-trustee shall refer to this Agreement and the conditions of this Article VIII.  Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision of this Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Trustee.  Every such instrument shall be filed with the Trustee.

Any separate trustee or co-trustee may, at any time, constitute the Trustee, its agent or attorney-in-fact, with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Agreement on its behalf and in its name.  If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Trustee, to the extent permitted by law, without the appointment of a new or successor trustee.

 

 

ARTICLE IX

 

TERMINATION

Section 9.01     Termination Upon Repurchase or Liquidation of All Mortgage Loans or upon Purchase of Certificates.

Subject to Section 9.03, the respective obligations and responsibilities of the Company, the Master Servicer, the Securities Administrator and the Trustee created hereby (other than the obligations of the Master Servicer to the Trustee pursuant to Section 8.05 and of the Master Servicer to provide for and the Securities Administrator to make payments to Certificateholders as hereafter set forth) shall terminate upon payment to the Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them hereunder following the earlier to occur of (i) the repurchase by the Servicer, or its designee (or if the Servicer fails to exercise such option, the Master Servicer) of all Mortgage Loans and each REO Property in respect thereof remaining in the Trust Fund at a price equal to (a) 100% of the unpaid principal balance of each Mortgage Loan (other than one as to
which a REO Property was acquired) on the day of repurchase together with accrued interest on such unpaid principal balance at the Net Mortgage Rate to the first day of the month in which the proceeds of such repurchase are to be distributed, plus (b) the appraised value of any REO Property (but not more than the unpaid principal balance of the related Mortgage Loan, together with accrued interest on that balance at the Net Mortgage Rate to the first day of the month such repurchase price is distributed) less the good faith estimate of the Servicer or the Master Servicer, as applicable, of liquidation expenses to be incurred in connection with its disposal thereof, such appraisal to be conducted by an appraiser mutually agreed upon by the Servicer or the Master Servicer, as applicable, and the Master Servicer on behalf of the Trustee at the expense of the terminating party, and (ii) the final payment or other liquidation (or any Advance with respect thereto) of the last Mortgage Loan
remaining in the Trust Fund (or the disposition of all REO Property in respect thereof); provided, however, that in no event shall the trust created hereby continue beyond the earlier of (i) the Distribution Date occurring in December 2035 and (ii) the expiration of 21 years from the death of the last survivor of the descendants of Joseph P. Kennedy, the late ambassador of the United States to the Court of St. James, living on the date hereof, and provided further, that the purchase price set forth above shall be increased as is necessary, as determined by the Servicer or the Master Servicer, as applicable, to avoid disqualification of any of any Trust REMIC as a REMIC.  In the case of any repurchase by the Servicer or the Master Servicer, as applicable, pursuant to clause (i), the Master Servicer
shall exercise reasonable efforts to cooperate fully with the Trustee in effecting such repurchase and the transfer of the Mortgage Loans and related Mortgage Files and related records to the Servicer or the Master Servicer, as applicable; provided, however, such option may only be exercised if (i) the purchase price is sufficient to pay all interest accrued on, as well as amounts necessary to retire the principal balance of, each class of notes secured primarily by the Class C Certificates and the Class P Certificates.  In addition, any Swap Termination Payment payable to the Swap Provider then due but unpaid or which is the result of such termination shall be paid.

The right of the Servicer or its designee to repurchase all Mortgage Loans pursuant to (i) above shall be conditioned upon the Aggregate Stated Principal Balance of such Mortgage Loans at the time of any such repurchase aggregating an amount equal to or less than 10% of the 

 

Aggregate Stated Principal Balance of the Mortgage Loans at the Cut-off Date.  If such right is exercised, the Servicer upon such repurchase shall provide to the Trustee and Securities Administrator, notice of such exercise prior to the Determination Date in the month preceding the month of purchase.

The right of the Master Servicer, or its designee to repurchase all Mortgage Loans pursuant to (i) in the second preceding paragraph shall be conditioned upon the Aggregate Stated Principal Balance of such Mortgage Loans at the time of any such repurchase aggregating an amount equal to or less than 5% of the Aggregate Stated Principal Balance of the Mortgage Loans at the Cut-off Date.  If such right is exercised, the Master Servicer, upon such repurchase shall provide to the Trustee and Securities Administrator, notice of such exercise prior to the Determination Date in the month preceding the month of purchase.

Written notice of any termination, specifying the Distribution Date upon which the Certificateholders may surrender their Certificates to the Securities Administrator for payment of the final distribution and cancellation, shall be given promptly by the Securities Administrator by letter to the Certificateholders mailed (a) in the event such notice is given in connection with the Servicer’s or the Master Servicer’s, as applicable, election to repurchase, not earlier than the 15th day and not later than the 25th day of the month next preceding the month of such final distribution or (b) otherwise during the month of such final distribution on or before the Determination Date in such month, in each case specifying (i) the Distribution Date upon which final payment of the Certificates will be made upon presentation and surrender of Certificates at the office of the Securities
Administrator therein designated, (ii) the amount of any such final payment and (iii) that the Record Date otherwise applicable to such Distribution Date is not applicable, payments being made only upon presentation and surrender of the Certificates at the office of the Securities Administrator therein specified.  In the event such notice is given in connection with the Servicer or the Master Servicer, as applicable, or its designee’s election to repurchase, the Servicer or the Master Servicer, as applicable, or its designee shall deliver to the Securities Administrator for deposit in the Certificate Account on the Business Day immediately preceding the Distribution Date specified in such notice an amount equal to the above-described repurchase price payable out of its own funds.  Upon presentation and surrender of the Certificates by the Certificateholders, the Securities Administrator shall first pay any amounts owing to the Trustee, Master Servicer, Custodian, Servicer and
Securities Administrator, as applicable, under this Agreement, and second, distribute to the Certificateholders (i) the amount otherwise distributable on such Distribution Date, if not in connection with the Servicer’s or  the Master Servicer’s, as applicable, election to repurchase, or (ii) if the Servicer or the Master Servicer, as applicable, elected to so repurchase, an amount determined as follows:  with respect to each Regular Certificate, the outstanding Certificate Principal Balance thereof, plus with respect to each Class A, Class M or Class C Certificate, one month’s interest thereon at the applicable Pass-Through Rate, plus any previously accrued but unpaid Accrued Certificate Interest, plus with respect to each Class I-A2 Certificate and Class M Certificate, any unpaid Allocated Realized Loss Amount; and with respect to each Class R Certificate, the Percentage Interest evidenced thereby multiplied by the difference, if any, between the above described
repurchase price and the aggregate amount to be distributed to the Holders of the Regular Certificates, subject to the priorities set forth in Section 4.01.  Notwithstanding the foregoing, by acceptance of the Class R Certificates, the Holders of such Certificates agree, in connection with any termination hereunder, to assign and transfer any amounts received in respect of such 

 

termination to the Holders of the Class C Certificates and to pay any such amounts to the Holders of the Class C Certificates.  Upon certification to the Custodian by a Servicing Officer, following such final deposit, the Custodian shall promptly release the Mortgage Files as directed by the Servicer or the Master Servicer, as applicable, for the remaining Mortgage Loans, and the Trustee shall execute all assignments, endorsements and other instruments required by the Servicer or the Master Servicer, as applicable, as being necessary to effectuate such transfer.

In the event that all of the Certificateholders shall not surrender their Certificates for cancellation within six months after the time specified in the above-mentioned notice, the Securities Administrator shall give a second notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto.  If within six months after the second notice all of the Certificates shall not have been surrendered for cancellation, the Securities Administrator shall take reasonable steps as directed by the Company in writing, or appoint an agent to take reasonable steps, to contact the remaining Certificateholders concerning surrender of their Certificates, and the cost thereof shall be paid out of the funds and other assets which remain subject hereto.  If within nine months after the second notice all the Certificates shall
not have been surrendered for cancellation, the Class R Certificateholders shall be entitled to all unclaimed funds and other assets which remain subject hereto.

	
             
  	
            Section 9.02
 	
            Termination of REMIC 2, and REMIC 3.
 

REMIC 2 and REMIC 3 shall be terminated on the earlier of the Final Distribution Date and the date on which it is deemed to receive the last deemed distributions on the REMIC 1 Regular Interests and the last distribution due on the Regular Certificates and the Class R Certificates (in respect of the Class R-2 and Class R-3) is made.

	
             
  	
            Section 9.03
 	
            Additional Termination Requirements.
 

(a)          In the event the Servicer or the Master Servicer, as applicable, repurchases the Mortgage Loans as provided in Section 9.01, the Trust Fund shall be terminated in accordance with the following additional requirements, unless the Servicer or the Master Servicer, as applicable, at its own expense, obtains for the Trustee and the Securities Administrator an Opinion of Counsel to the effect that the failure of the Trust Fund to comply with the requirements of this Section 9.03 will not (i) result in the imposition on the Trust of taxes on “prohibited transactions,” as described in Section 860F of the Code, or (ii) cause either any Trust REMIC to fail to qualify as a REMIC at any time that any Certificate is outstanding:

(i)           The Securities Administrator shall establish a 90-day liquidation period for each Trust REMIC, as the case may be, and specify the first day of such period in a statement attached to the Trust Fund’s final Tax Return pursuant to Treasury regulations Section 1.860F-1.  The Securities Administrator also shall satisfy all of the requirements of a qualified liquidation for each Trust REMIC, as the case may be, under Section 860F of the Code and regulations thereunder; and

(ii)          The Servicer shall notify the Trustee and the Securities Administrator at the commencement of such 90-day liquidation period and, at or prior to the time of 

 

making of the final payment on the Certificates, the Trustee shall sell or otherwise dispose of all of the remaining assets of the Trust Fund in accordance with the terms hereof.

(b)          Each Holder of a Certificate and the Trustee hereby irrevocably approves and appoints the Securities Administrator as its attorney-in-fact to adopt a plan of complete liquidation for each Trust REMIC at the expense of the Trust Fund in accordance with the terms and conditions of this Agreement.

 

 

ARTICLE X

 

REMIC PROVISIONS

	
             
  	
            Section 10.01
 	
            REMIC Administration.
 

(a)          The Securities Administrator shall make an election to treat the Trust Fund as three REMICs under the Code and, if necessary, under applicable state law.  Each such election will be made on Form 1066 or other appropriate federal tax or information return (including Form 8811) or any appropriate state return for the taxable year ending on the last day of the calendar year in which the Certificates are issued.  For the purposes of the REMIC elections in respect of the Trust Fund, (i) the REMIC 1 Regular Interests will represent the “regular interests” in REMIC 1, the Class R-1 Interest will constitute the sole class of “residual interests” in REMIC 1, (ii) the REMIC 2 Regular Interests will represent the “regular interests” in REMIC 2, the Class R-2 Interest
will constitute the sole class of “residual interests” in REMIC 2 and (iii) the Class A and Class M Certificates (exclusive of any right to receive payments in respect of the Basis Risk Shortfall Carry-Forward Amounts and the obligation to pay any Class IO Distribution Amount), the Class IO Interest, the Class C Certificates and the Class P Certificates shall be designated as the “regular interests” in REMIC 3 and the Class R-3 Interest will constitute the sole class of “residual interests” in REMIC 3. The Securities Administrator and the Trustee shall not permit the creation of any “interests” (within the meaning of Section 860G of the Code) in any REMIC created hereunder other than the REMIC 1 Regular Interests, the REMIC 2 Regular Interests, the REMIC 3 Regular Interests the ownership of which is represented by the Class A and Class M Certificates, the Class IO Interest, the Class C Certificates, the Class P Certificates, the Class R-1
Interest, the Class R-2 Interest and the Class R-3 Interest.  The Securities Administrator will apply for an Employee Identification Number from the IRS via form SS-4 or any other acceptable method for each Trust REMIC.

(b)          The Closing Date is hereby designated as the “startup day” of the Trust Fund within the meaning of Section 860G(a)(9) of the Code.

(c)          The Securities Administrator shall pay out of its own funds, without any right of reimbursement, any and all expenses relating to any tax audit of the REMICs (including, but not limited to, any professional fees or any administrative or judicial proceedings with respect to the REMICs that involve the Internal Revenue Service or state tax authorities), other than the expense of obtaining any tax-related Opinion of Counsel except as specified herein.  The Securities Administrator, as agent for the REMICs’ tax matters person, shall (i) act on behalf of the REMICs in relation to any tax matter or controversy involving the Trust Fund and (ii) represent the Trust Fund in any administrative or judicial proceeding relating to an examination or audit by any governmental taxing authority
with respect thereto.  By their acceptance thereof, the Holder of the largest Percentage Interest of the Class R Certificates hereby agrees to irrevocably appoint the Securities Administrator or an Affiliate as its agent to perform all of the duties of the tax matters person for the REMICs.

(d)          The Securities Administrator shall prepare and file or cause to be filed, and the Trustee shall sign, all of the Tax Returns (including Form 8811, which must be filed within 30 days of the Closing Date) in respect of the REMICs created hereunder.  The expenses of 

 

preparing and filing such returns shall be borne by the Securities Administrator without any right of reimbursement therefor.  The Master Servicer shall provide on a timely basis to the Securities Administrator or its designee such information with respect to the assets of the REMICs as is in its possession and reasonably required by the Securities Administrator to enable it to perform its obligations under this Article X.

(e)          The Securities Administrator shall perform on behalf of the REMICs and the Supplemental Interest Trust all reporting and other tax compliance duties that are the responsibility of the REMICs and the Supplemental Interest Trust under the Code, the REMIC Provisions or other compliance guidance issued by the Internal Revenue Service or any state or local taxing authority.  Among its other duties, as required by the Code, the REMIC Provisions or other such compliance guidance, the Securities Administrator shall provide (i) to any Transferor of a Class R Certificate such information as is necessary for the application of any tax relating to the transfer of a Class R Certificate to any Person who is not a Permitted Transferee, (ii) to the Certificateholders such information or reports as are
required by the Code or the REMIC Provisions including reports relating to interest, original issue discount and market discount or premium (using the Prepayment Assumption as required) and (iii) to the Internal Revenue Service the name, title, address and telephone number of the person who will serve as the representative of the REMICs.  The Master Servicer shall provide on a timely basis to the Securities Administrator such information with respect to the assets of the REMICs, including, without limitation, the Mortgage Loans, as is in its possession and reasonably required by the Securities Administrator to enable it to perform its obligations under this subsection.  In addition, the Company shall provide or cause to be provided to the Securities Administrator, within ten (10) days after the Closing Date, all information or data that the Securities Administrator reasonably determines to be relevant for tax purposes as to the valuations and issue prices of the Certificates,
including, without limitation, the price, yield, prepayment assumption and projected cash flow of the Certificates.

(f)           The Securities Administrator shall take such action and shall cause the REMICs created hereunder to take such action as shall be necessary to create or maintain the status thereof as REMICs under the REMIC Provisions (and the Master Servicer shall assist it, to the extent reasonably requested by it).  The Securities Administrator shall not take any action, cause the Trust Fund to take any action or fail to take (or fail to cause to be taken) any action that, under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of any Trust REMIC as REMICs or (ii) result in the imposition of a tax upon the REMICs (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions
to a REMIC set forth in Section 860G(d) of the Code) (either such event, an “Adverse REMIC Event”) unless the Securities Administrator has received an Opinion of Counsel, addressed to the Securities Administrator (at the expense of the party seeking to take such action but in no event at the expense of the Securities Administrator) to the effect that the contemplated action will not, with respect to the REMICs created hereunder, endanger such status or result in the imposition of such a tax, nor shall the Master Servicer take or fail to take any action (whether or not authorized hereunder) as to which the Securities Administrator has advised it in writing that each has received an Opinion of Counsel to the effect that an Adverse REMIC Event could occur with respect to such action.  In addition, prior to taking any action with respect to the REMICs or the assets of the REMICs, or causing the REMICs to take any action, which is not contemplated under the terms of this
Agreement, the 

 

Master Servicer will consult with the Securities Administrator or its designee, in writing, with respect to whether such action could cause an Adverse REMIC Event to occur with respect to the Trust Fund, and the Master Servicer shall not take any such action or cause the Trust Fund to take any such action as to which the Securities Administrator has advised it in writing that an Adverse REMIC Event could occur.  The Securities Administrator may consult with counsel to make such written advice, and the cost of same shall be borne by the party seeking to take the action not permitted by this Agreement, but in no event shall such cost be an expense of the Securities Administrator.  At all times as may be required by the Code, the Securities Administrator will ensure that substantially all of the assets of the REMICs created hereunder will consist of “qualified mortgages” as defined in Section
860G(a)(3) of the Code and “permitted investments” as defined in Section 860G(a)(5) of the Code.

(g)          In the event that any tax is imposed on “prohibited transactions” of the REMICs created hereunder as defined in Section 860F(a)(2) of the Code, on the “net income from foreclosure property” of the REMICs as defined in Section 860G(c) of the Code, on any contributions to the REMICs after the Startup Day therefor pursuant to Section 860G(d) of the Code, or any other tax is imposed by the Code or any applicable provisions of state or local tax laws, such tax shall be charged (i) to the Securities Administrator pursuant to Section 10.03 hereof, if such tax arises out of or results from a breach by the Securities Administrator of any of its obligations under this Article X, (ii) to the Master Servicer pursuant to Section 10.03 hereof, if such tax arises out of or results
from a breach by the Master Servicer of any of its obligations under Article III or this Article X, or otherwise, (iii) to the Master Servicer as provided in Section 3.05, if applicable, (iv) to the Class R Certificateholder to the extent of any funds distributed to such Certificateholder, (v) otherwise against amounts on deposit in the Certificate Account and shall be paid by withdrawal therefrom to the extent not required to be paid by the Master Servicer, the Securities Administrator  or the Class R Certificateholder pursuant to another provision of this Agreement.

(h)          On or before April 15 of each calendar year, commencing April 15, 2006, the Securities Administrator shall deliver to the Master Servicer and the Rating Agency a Certificate from a Responsible Officer of the Securities Administrator stating the Securities Administrator’s compliance with its obligations under this Article X.

(i)           The Securities Administrator shall, for federal income tax purposes, maintain books and records with respect to the REMICs on a calendar year and on an accrual basis.

(j)           Following the Startup Day, the Securities Administrator shall not accept any contributions of assets to the REMICs other than in connection with any Qualified Substitute Mortgage Loan delivered in accordance with Section 2.04 unless it shall have received an Opinion of Counsel to the effect that the inclusion of such assets in the REMICs will not cause any Trust REMIC to fail to qualify as REMICs at any time that any Certificates are outstanding or subject any Trust REMIC to any tax under the REMIC Provisions or other applicable provisions of federal, state and local law or ordinances.

(k)          Neither the Securities Administrator nor the Master Servicer shall enter into any arrangement by which the REMICs will receive a fee or other compensation for services nor permit the REMICs to receive any income from assets other than “qualified mortgages” as 

 

defined in Section 860G(a)(3) of the Code or “permitted investments” as defined in Section 860G(a)(5) of the Code.

(l)           The Securities Administrator shall treat the rights of the Certificateholders (other than the Class P Certificateholders and Residual Certificateholders) to receive payments from the Basis Risk Shortfall Reserve Fund as a notional principal contract between the Holders of the Class C Certificates, as owner of the Basis Risk Shortfall Reserve Fund and the Holders of the Class A Certificates and Class M Certificates). For federal tax return and information reporting, the right of the Holders of the Class A and Class M Certificates to receive payments from the Basis Risk Shortfall Reserve Fund in respect of any Basis Risk Carry-Forward Amount may be obtained from the Securities Administrator upon request.

	
             
  	
            Section 10.02
 	
            Prohibited Transactions and Activities.
 

None of the Company, the Master Servicer, the Securities Administrator or the Trustee shall sell, dispose of or substitute for any of the Mortgage Loans (except in connection with (i) the foreclosure of a Mortgage Loan, including but not limited to, the acquisition or sale of a Mortgaged Property acquired by deed in lieu of foreclosure, (ii) the bankruptcy of the Trust Fund, (iii) the termination of any Trust REMIC pursuant to Article IX of this Agreement, (iv) a substitution pursuant to Article II of this Agreement or (v) a purchase of Mortgage Loans pursuant to Article II or III of this Agreement), nor acquire any assets for the Trust Fund (other than REO Property acquired in respect of a defaulted Mortgage Loan), nor sell or dispose of any investments in the Custodial Account or the Certificate Account for gain, nor accept any contributions to the REMICs after the Closing Date (other
than a Qualified Substitute Mortgage Loan delivered in accordance with Section 2.04), unless each such party has received an Opinion of Counsel, addressed to the Trustee and Securities Administrator (at the expense of the party seeking to cause such sale, disposition, substitution, acquisition or contribution but in no event at the expense of the Trustee) that such sale, disposition, substitution, acquisition or contribution will not (a) affect adversely the status of any Trust REMIC as REMICs or (b) cause the Trust Fund to be subject to a tax on “prohibited transactions” or “contributions” pursuant to the REMIC Provisions.

	
             
  	
            Section 10.03
 	
            Master Servicer, Securities Administrator and Trustee Indemnification.
 

(a)          The Securities Administrator agrees to indemnify the Trust Fund, the Company and the Master Servicer for any taxes and costs including, without limitation, any reasonable attorneys’ fees imposed on or incurred by the Trust Fund, the Company or the Master Servicer, as a result of (i) a breach of the Securities Administrator’s covenants set forth in this Article X or (ii) any state, local or franchise taxes imposed upon the Trust Fund as a result of the location of the Securities Administrator.

(b)          The Master Servicer agrees to indemnify the Trust Fund, the Company and the Trustee for any taxes and costs including, without limitation, any reasonable attorneys’ fees imposed on or incurred by the Trust Fund, the Company or the Trustee, as a result of (i) a breach of the Master Servicer’s covenants set forth in Article III or this Article X with respect to compliance with the REMIC Provisions or (ii) any state, local or franchise taxes imposed upon the Trust Fund as a result of the location of the Master Servicer.

 

 

(c)          The Seller agrees to indemnify the Trust Fund and the Company for any taxes and costs including, without limitation, any reasonable attorneys’ fees imposed on or incurred by the Trust Fund or the Company, as a result of any state, local or franchise taxes imposed upon the Trust Fund as a result of the location of the Trustee, the Servicer or the Subservicer.

 

 

ARTICLE XI

 

MISCELLANEOUS PROVISIONS

	
             
  	
            Section 11.01
 	
            Amendment.
 

This Agreement may be amended from time to time by the Company, the Master Servicer, the Securities Administrator and the Trustee, without the consent of any of the Certificateholders or the Swap Provider, (i) to cure any ambiguity, (ii) to correct or supplement any provisions herein which may be defective or inconsistent with any other provisions herein or to correct any error, (iii) to amend this Agreement in any respect subject to the provisions in clauses (A) and (B) below, or (iv) if such amendment, as evidenced by an Opinion of Counsel (provided by the Person requesting such amendment) delivered to the Trustee, is reasonably necessary to comply with any requirements imposed by the Code or any successor or amendatory statute or any temporary or final regulation, revenue ruling, revenue procedure or other written official announcement or interpretation relating to federal income tax
laws or any proposed such action which, if made effective, would apply retroactively to the Trust Fund at least from the effective date of such amendment; provided that such action (except any amendment described in (iv) above) shall not adversely affect in any material respect the interests of any Certificateholder (other than Certificateholders who shall consent to such amendment), as evidenced by (A) an Opinion of Counsel (provided by the Person requesting such amendment) delivered to the Trustee, and (B) a letter from each Rating Agency, confirming that such amendment shall not cause it to lower its rating  (without regard to the Class II-A1D2 Policy) on any of the Certificates.

This Agreement may also be amended from time to time by the Company, the Master Servicer, the Securities Administrator and the Trustee with the consent of the Holders of Certificates entitled to at least 66-2/3% of the Voting Rights for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Holders of Certificates; provided, however, that no such amendment shall (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate without the consent of the Holder of such Certificate, (ii) adversely affect in any material respect the interests of the Holders of any Class of Certificates in a manner
other than as described in (i), without the consent of the Holders of Certificates of such Class evidencing at least 66-2/3% of the Voting Rights of such Class, (iii) reduce the aforesaid percentage of Certificates the Holders of which are required to consent to any such amendment, without the consent of the Holders of all Certificates then outstanding or (iv) for so long as the Class II-A1D2 Certificates are outstanding, adversely affect in any material respect the rights and interests explicitly granted to the Certificate Insurer in this Agreement without its consent, which consent shall not be unreasonably withheld.  Notwithstanding any other provision of this Agreement, for purposes of the giving or withholding of consents pursuant to this Section 11.01, Certificates registered in the name of the Seller, the Trustee, the Securities Administrator or the Master Servicer or any affiliate thereof shall be entitled to Voting Rights with respect to matters described in (i), (ii) and
(iii) of this paragraph.

 

 

Notwithstanding any contrary provision of this Agreement, the Trustee shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel (provided by the Person requesting such amendment) and addressed to the Trustee and the Securities Administrator to the effect that such amendment will not result in the imposition of any tax on any Trust REMIC pursuant to the REMIC Provisions or cause any Trust REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding.

Notwithstanding any of the other provisions of this Section 11.01, none of the Company, the Master Servicer, the Securities Administrator or the Trustee shall enter into any amendment to the second paragraph of Section 4.01(a), Section 4.01(c)(vi) or Section 4.09 of this Agreement or any other amendment which would adversely affect in any material respect that Swap Provider’s rights under this Agreement without the prior written consent of the Swap Provider.

Promptly after the execution of any such amendment the Trustee shall furnish a copy of such amendment or a written statement describing the amendment to each Certificateholder, with a copy to the Rating Agencies.

It shall not be necessary for the consent of Certificateholders under this Section 11.01 to approve the particular form of any proposed amendment, but it shall be sufficient if such consent shall approve the substance thereof.  The manner of obtaining such consents and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable regulations as the Trustee may prescribe.

Prior to executing any amendment pursuant to this Section, the Trustee shall be entitled to receive an Opinion of Counsel (provided by the Person requesting such amendment) to the effect that such amendment is authorized or permitted by this Agreement.  The cost of any Opinion of Counsel delivered pursuant to this Section 11.01 shall be an expense of the party requesting such amendment, but in any case shall not be an expense of the Trustee.

Each of the Trustee and the Securities Administrator may, but shall not be obligated to, enter into any amendment pursuant to this Section that affects its rights, duties and immunities under this Agreement or otherwise.

	
             
  	
            Section 11.02
 	
            Recordation of Agreement; Counterparts.
 

To the extent permitted by applicable law, this Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Master Servicer at the expense of the Certificateholders, but only upon direction of the Company accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Certificateholders.

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

 

 

	
             
  	
            Section 11.03
 	
            Limitation on Rights of Certificateholders.
 

The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust Fund, nor entitle such Certificateholder’s legal representatives or heirs to claim an accounting or to take any action or proceeding in any court for a partition or winding up of the Trust Fund, nor otherwise affect the rights, obligations and liabilities of the parties hereto or any of them.

No Certificateholder shall have any right to vote (except as expressly provided for herein) or in any manner otherwise control the operation and management of the Trust Fund, or the obligations of the parties hereto, nor shall anything herein set forth, or contained in the terms of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third party by reason of any action taken by the parties to this Agreement pursuant to any provision hereof.

No Certificateholder shall have any right by virtue of any provision of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless such Holder previously shall have given to the Trustee a notice of an Event of Default, or of a default by the Seller or the Trustee in the performance of any obligation hereunder, and of the continuance thereof, as hereinbefore provided, and unless also the Holders of Certificates entitled to at least 51% of the Voting Rights shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the costs, expenses and liabilities to be incurred therein or thereby, and the Trustee, for 60 days after its receipt of such notice, request
and offer of indemnity, shall have neglected or refused to institute any such action, suit or proceeding.  It is understood and intended, and expressly covenanted by each Certificateholder with every other Certificateholder and the Trustee, that no one or more Holders of Certificates shall have any right in any manner whatever by virtue of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such Certificates, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the equal, ratable and common benefit of all Certificateholders.  For the protection and enforcement of the provisions of this Section, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity.

	
             
  	
            Section 11.04
 	
            Governing Law.
 

This Agreement and the Certificates shall be construed in accordance with the laws of the State of New York and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws.

	
             
  	
            Section 11.05
 	
            Notices.
 

All demands, notices and direction hereunder shall be in writing and shall be deemed effective upon receipt when delivered to (a) in the case of the Company, Opteum Mortgage Acceptance Corporation, W. 115 Century Road, Paramus, New Jersey 07652, Attention:  

 

General Counsel, or such other address as may hereafter be furnished to the other parties hereto in writing; (b) in the case of Master Servicer, Wells Fargo Bank, N.A., P.O. Box 98, Columbia Maryland 21046 (or, in the case of overnight deliveries, 9062 Old Annapolis Road, Columbia, Maryland 21045) (Attention:  Corporate Trust Services – Opteum 2005-5), facsimile no.:  (410) 715-2380, or such other address as may hereafter be furnished to the other parties hereto in writing; (c) in the case of the securities administrator, the Corporate Trust Office; (d) in the case of the Trustee, to its Corporate Trust Office, or such other address as may hereafter be furnished to the other parties hereto in writing; (e) in the case of the Rating Agencies, Standard & Poor’s, 55 Water Street, 41st Floor, New York, NY  10041, Attention:  Asset Backed Surveillance Department; and Moody’s,
Moody’s Investors Service, Inc., Residential Mortgage Monitoring Department, 99 Church Street, New York, New York 10007; (f) in the case of the Certificate Insurer, Financial Security Assurance Inc., 31 West 52nd Street, New York, New York 10019, Attention: Managing Director-Surveillance (Opteum 2005-5); or (g) in the case of the Swap Provider, Swiss Re Financial Products Corporation, 55 East 52nd Street, New York, New York 10055. Any notice required or permitted to be mailed to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such Holder as shown in the Certificate Register.  Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the Certificateholder receives such notice.

	
             
  	
            Section 11.06
 	
            Severability of Provisions.
 

If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement or of the Certificates or the rights of the Holders thereof.

	
             
  	
            Section 11.07
 	
            Successors and Assigns.
 

The provisions of this Agreement shall be binding upon and inure to the benefit of the respective successors and assigns of the parties hereto, and all such provisions shall inure to the benefit of the Trustee and the Certificateholders.

	
             
  	
            Section 11.08
 	
            Article and Section Headings.
 

The article and Section headings herein are for convenience of reference only, and shall not limit or otherwise affect the meaning hereof.

	
             
  	
            Section 11.09
 	
            Notice to Rating Agencies.
 

The Trustee shall use its best efforts to promptly provide notice to each Rating Agency referred to below with respect to each of the following of which it has actual knowledge:

	
             
 	
            1.
 	
            Any material change or amendment to this Agreement;
 

	
             
 	
            2.
 	
            The occurrence of any Event of Default that has not been cured;
 

 

 

	
             
 	
            3.
 	
            The resignation or termination of the Master Servicer, the Securities Administrator or the Trustee;
 

	
             
 	
            4.
 	
            The repurchase or substitution of Mortgage Loans pursuant to Section 2.04;
 

	
             
 	
            5.
 	
            The final payment to Certificateholders; and
 

	
             
 	
            6.
 	
            Any change in the location of the Custodial Account or the Certificate Account.
 

In addition, the Trustee shall promptly furnish to the Rating Agency copies of each report to Certificateholders described in Section 4.02; and the Master Servicer shall promptly furnish to the Rating Agency copies of each annual independent public accountants’ servicing report received as described in Section 3.20.

Any such notice pursuant to this Section 11.09 shall be in writing and shall be deemed to have been duly given if personally delivered or mailed by first class mail, postage prepaid, or by express delivery service to (i) in the case of Standard & Poor’s, 55 Water Street, 41st Floor, New York, New York 10041, Attention:  Asset Backed Surveillance Department and (ii) in the case of Moody’s, Residential Mortgage Monitoring Department, 99 Church Street, New York, New York 10007, or, in each case, such other address as either such Rating Agency may designate in writing to the parties thereto.

	
             
  	
            Section 11.10
 	
            Third Party Rights.
 

The Seller shall be deemed a third-party beneficiary of Section 3.25 this Agreement to the same extent as if it were a party hereto, and shall have the right to enforce the provisions of such Section.  The Servicer shall be deemed a third-party beneficiary of Section 3.25 of this Agreement to the same extent as if it were a party hereto, and shall have the right to enforce the provisions of such Section. The Swap Provider shall be an express third party beneficiary of this Agreement for the purpose of enforcing the provisions hereof to the extent of Swap Provider’s rights explicitly specified herein as if a party hereto.

	
             
  	
            Section 11.11
 	
            Certificate Insurer Rights.
 

(a)          All notices, statements reports, certificates or opinions required by this Agreement to be sent to the Rating Agencies or the Class II-A1D2 Certificateholders shall also be sent at such time to Certificate Insurer at the notice address set forth in Section 11.05.

(b)          The Certificate Insurer shall be an express third party beneficiary of this Agreement for the purpose of enforcing the provisions hereof to the extent of Certificate Insurer’s rights explicitly specified herein as if a party hereto.

(c)          All references herein to the ratings assigned to the Certificates and to the interests of any Certificateholders shall be without regard to the Class II-A1D2 Policy. 

 

 

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

	
             
 	
            OPTEUM MORTGAGE ACCEPTANCE CORPORATION,
 Company
 
	
             
 
	
             
 
	
            By:
 	
            
/s/ Frank Plenskofski 

          
 
	
             
 	
            Name: Frank Plenskofski       
 
	
             
 	
            Title: Vice President and Treasurer                   
 
	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 
	
             
 	
            WELLS FARGO BANK, N.A.,
 Master Servicer
 
	
             
 
	
             
 
	
            By:
 	
            
/s/ Stacey Taylor
 
 
	
             
 	
            Name: Stacey Taylor        
 
	
             
 	
            Title: Vice President                   
 
	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 
	
             
 	
            HSBC BANK USA, NATIONAL ASSOCIATION
 Trustee
 
	
             
 
	
             
 
	
            By:
 	
            
/s/ Susie Moy
 
 
	
             
 	
            Name: Susie Moy        
 
	
             
 	
            Title: Vice President                   
 
	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 
	
             
 	
            WELLS FARGO BANK, N.A.,
 Securities Administrator
 
	
             
 
	
             
 
	
            By:
 	
            
/s/ Stacey Taylor
 
 
	
             
 	
            Name: Stacey Taylor        
 
	
             
 	
            Title: Vice President                   
 

 

 

 

	
            STATE OF NEW JERSEY
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF BERGEN_
 	
            )
 	
             
 

 

 

On the _____ day of ________________, 2005, before me, a notary public in and for said State, personally appeared __________________, known to me to be the _____________ of Opteum Mortgage Acceptance Corporation, one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

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

 

	
             
 	
            
 
 
 
	
            Notary Public
 

 

[Notarial Seal]

 

 

	
            STATE OF MARYLAND
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF HOWARD
 	
            )
 	
             
 

 

 

On the _____ day of _____________, 2005, before me, a notary public in and for said State, personally appeared ________________, known to me to be a _____________ of Wells Fargo Bank, N.A., the entity that executed the within instrument, and also known to me to be the person who executed it on behalf of said entity, and acknowledged to me that such entity executed the within instrument.

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

 

	
             
 	
            
 
 
 
	
            Notary Public
 

 

[Notarial Seal]

 

 

 

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

 

 

On the  _____ day of ________________, 2005, before me, a notary public in and for said State, personally appeared _____________________, known to me to be a ________________ of HSBC Bank USA, National Association, the entity that executed the within instrument, and also known to me to be the person who executed it on behalf of said entity, and acknowledged to me that such entity executed the within instrument.

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

 

	
             
 	
            
 
 
 
	
            Notary Public
 

 

[Notarial Seal]

 

 

 

	
            STATE OF MARYLAND
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF HOWARD
 	
            )
 	
             
 

 

 

On the  _______ day of _______________, 2005, before me, a notary public in and for said State, personally appeared ______________, known to me to be a _____________ of Wells Fargo Bank, N.A., the entity that executed the within instrument, and also known to me to be the person who executed it on behalf of said entity, and acknowledged to me that such entity executed the within instrument.

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

 

	
             
 	
            
 
 
 
	
            Notary Public
 

 

[Notarial Seal]

 

 

 

 

 

EXHIBIT A

FORM OF CLASS [_]-A-[_][_] CERTIFICATE

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

THIS CERTIFICATE SHALL INITIALLY BE ISSUED AS ONE OR MORE CERTIFICATES REGISTERED IN THE NAME OF THE DEPOSITORY OR ITS NOMINEE AND, EXCEPT AS PROVIDED BELOW, REGISTRATION OF SUCH CERTIFICATES MAY NOT BE TRANSFERRED BY THE TRUSTEE EXCEPT TO ANOTHER DEPOSITORY THAT AGREES TO HOLD SUCH CERTIFICATES FOR THE RESPECTIVE CERTIFICATE OWNERS WITH OWNERSHIP INTERESTS THEREIN. THE CERTIFICATE OWNERS SHALL HOLD THEIR RESPECTIVE OWNERSHIP INTERESTS IN AND TO EACH OF SUCH BOOK-ENTRY CERTIFICATES THROUGH THE BOOK-ENTRY FACILITIES OF THE DEPOSITORY AND, EXCEPT AS PROVIDED BELOW, SHALL NOT BE ENTITLED TO DEFINITIVE CERTIFICATES IN RESPECT OF SUCH OWNERSHIP INTERESTS. ALL TRANSFERS BY CERTIFICATE OWNERS OF THEIR RESPECTIVE OWNERSHIP IN THE BOOK-ENTRY CERTIFICATES SHALL BE MADE IN ACCORDANCE WITH THE PROCEDURES ESTABLISHED BY THE DEPOSITORY PARTICIPANT OR BROKERAGE FIRM REPRESENTING SUCH CERTIFICATE OWNER. EACH DEPOSITORY
PARTICIPANT SHALL TRANSFER THE OWNERSHIP INTERESTS ONLY IN THE BOOK-ENTRY CERTIFICATES OF CERTIFICATE OWNERS IT REPRESENTS OR OF BROKERAGE FIRMS FOR WHICH IT ACTS AS AGENT IN ACCORDANCE WITH THE DEPOSITORY’S NORMAL PROCEDURES. THE TRUSTEE SHALL NOT BE REQUIRED TO MONITOR, DETERMINE OR INQUIRE AS TO COMPLIANCE WITH THE TRANSFER RESTRICTIONS WITH RESPECT TO THE BOOK-ENTRY CERTIFICATES, AND THE TRUSTEE SHALL HAVE NO LIABILITY FOR TRANSFERS OF OWNERSHIP INTERESTS IN THE BOOK-ENTRY CERTIFICATES MADE THROUGH THE BOOK-ENTRY FACILITIES OF THE DEPOSITORY OR BETWEEN OR AMONG DEPOSITORY PARTICIPANTS OR CERTIFICATE OWNERS, MADE IN VIOLATION OF THE APPLICABLE RESTRICTIONS.

UNTIL TERMINATION OF THE SUPPLEMENTAL INTEREST TRUST, THIS CERTIFICATE MAY NOT BE ACQUIRED DIRECTLY OR INDIRECTLY BY, ON BEHALF OF, OR WITH PLAN ASSETS OF AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT THAT IS SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED UNLESS AN OPINION OF COUNSEL IS PROVIDED.

 

 

 

	
            Certificate No. 1

Class [_]-A-[_][_]
 	
            Adjustable Pass-Through Rate
 
	
            Date of Pooling and Servicing

Agreement and Cut-off Date:

November 1, 2005
 	
            Percentage Interest: 100%
 
	
            First Distribution Date:

December 27, 2005
 	
            Aggregate Initial Certificate Principal Balance

of the Class [_]-A-[_][_] Certificates:$_____________
 
	
            Master Servicer:

Wells Fargo Bank, National Association
 	
            Initial Certificate Principal

Balance of this Certificate:

$______________
 
	
            Assumed Final

Distribution Date:

[____________, ____]
 	
            CUSIP:__________
 

 

ASSET-BACKED PASS-THROUGH CERTIFICATE

SERIES 2005-5

evidencing a percentage interest in the distributions allocable to the Class [_]-A-[_][_] Certificates with respect to a Trust Fund consisting primarily of a pool of one- to four-family adjustable and fixed-rate first lien and second lien mortgage loans formed and sold by OPTEUM MORTGAGE ACCEPTANCE CORPORATION

This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Opteum Mortgage Acceptance Corporation, the Master Servicer, the Securities Administrator or the Trustee referred to below or any of their affiliates.  Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Opteum Mortgage Acceptance Corporation, the Master Servicer, the Securities Administrator, the Trustee or any of their affiliates.  None of the Company, the Master Servicer, the Securities Administrator or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates.

This certifies that Cede & Co. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Initial Certificate Principal Balance of this Certificate by the aggregate Initial Certificate Principal Balance of all Class [_]-A-[_][_] Certificates, both as specified above) in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of one- to four-family fixed-rate and adjustable-rate first lien and second lien mortgage loans (the “Mortgage Loans”), sold by Opteum Mortgage Acceptance Corporation (hereinafter called the “Company,” which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing 

 

Agreement dated as specified above (the “Agreement”) among the Company, the Master Servicer, the Securities Administrator and HSBC Bank USA, National Association, as trustee (the “Trustee”), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

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

Distributions on this Certificate will be made by the Securities Administrator either in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Securities Administrator and the Trustee at least 5 Business Days prior to the related Record Date, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register.

Any transferee shall be deemed to have made the representation set forth in Section 5.02(c) of the Agreement.

Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Securities Administrator for that purpose in the City of Minneapolis and State of Minnesota. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of distributions allocable to principal.

This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the “Certificates”).

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders.

As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such 

 

purposes including without limitation reimbursement to the Trustee, the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made until the termination of the Supplemental Interest Trust unless an opinion of counsel is provided.

The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer, the Securities Administrator and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer, the Securities Administrator and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66-2/3% of the Percentage Interests of each Class of Certificates affected thereby.  Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate.  The Agreement also permits
the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer  of this Certificate is registrable with the Securities Administrator upon surrender of this Certificate for registration of transfer at the offices or agencies maintained by the Securities Administrator, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Securities Administrator duly executed by the Holder hereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement.  As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same.

No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Company, the Master Servicer, the Securities Administrator, the Servicer and the Trustee and any agent of the Company, the Master Servicer, the Securities Administrator, the Servicer or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Securities Administrator, the Servicer, the Trustee nor any such agent shall be affected by notice to the contrary.

 

 

This Certificate shall be governed by and construed in accordance with the laws of the State of New York.

The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the purchase by the Servicer or its designee or the Master Servicer from the Trust Fund of all remaining Mortgage Loans and each REO Property in respect thereof remaining in the Trust Fund, thereby effecting early retirement of the Certificates and (ii) the final payment or other liquidation (or any Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund (or the disposition of all REO Property in respect thereof).  The Agreement permits, but does not require, the Servicer, or, if the Servicer does not exercise this right the Master Servicer to purchase at a price
determined as provided in the Agreement all remaining Mortgage Loans and all REO Property; provided, that any such option may only be exercised on or after the first Distribution Date on which the aggregate unpaid balance of the Mortgage Loans is less than or equal to ten percent of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase by the Servicer, or on or after the first Distribution Date on which the aggregate unpaid principal balance of the Mortgage Loans is less than or equal to five percent of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase by the Master Servicer.

Unless the certificate of authentication hereon has been executed by the Securities Administrator, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Securities Administrator has caused this Certificate to be duly executed.

 

	
            Dated: November 29, 2005
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION,

as Securities Administrator
 
	
             
 	
            By:
 	
            ______________________________
 
	
             
 	
            Authorized Signatory
 

 

CERTIFICATE OF AUTHENTICATION

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

 

	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION,

as Securities Administrator
 
	
             
 	
            By:
 	
            ______________________________
 
	
             
 	
            Authorized Signatory
 

 

 

 

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto _____________________________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund.

I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address

	
             
 	
             
 	
             
 

 

	
            Dated:
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

	
            Distributions shall be made, by wire transfer or otherwise, in immediately available 
 
	
            funds to
 	
             
 
	
             
 
	
            for the account of
 	
             
 
	
            Account number
 	
             
 	
            or, if mailed by check, to
 
	
             
 
	
            Applicable statements should be mailed to
 	
             
 
	
             
 
	
             
 
	
            This information is provided by
 	
             
 
	
            assignee named above, or
 	
             
 
	
            its agent.
 	
             
 
								

 

 

 

EXHIBIT B-1

FORM OF CLASS M CERTIFICATE

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES, [THE CLASS M-1 CERTIFICATES] [AND THE CLASS M-2 CERTIFICATES] [AND THE CLASS M-3 CERTIFICATES] [AND THE CLASS M-4 CERTIFICATES] [AND THE CLASS M-5 CERTIFICATES] [AND THE CLASS M-6 CERTIFICATES] [AND THE CLASS M-7 CERTIFICATES] [AND THE CLASS M-8 CERTIFICATES] [AND THE CLASS M-9 CERTIFICATES][AND THE CLASS M-10 CERTIFICATES] AS DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW).

THIS CERTIFICATE SHALL INITIALLY BE ISSUED AS ONE OR MORE CERTIFICATES REGISTERED IN THE NAME OF THE DEPOSITORY OR ITS NOMINEE AND, EXCEPT AS PROVIDED BELOW, REGISTRATION OF SUCH CERTIFICATES MAY NOT BE TRANSFERRED BY THE TRUSTEE EXCEPT TO ANOTHER DEPOSITORY THAT AGREES TO HOLD SUCH CERTIFICATES FOR THE RESPECTIVE CERTIFICATE OWNERS WITH OWNERSHIP INTERESTS THEREIN. THE CERTIFICATE OWNERS SHALL HOLD THEIR RESPECTIVE OWNERSHIP INTERESTS IN AND TO EACH OF SUCH BOOK-ENTRY CERTIFICATES THROUGH THE BOOK-ENTRY FACILITIES OF THE DEPOSITORY AND, EXCEPT AS PROVIDED BELOW, SHALL NOT BE ENTITLED TO DEFINITIVE CERTIFICATES IN RESPECT OF SUCH OWNERSHIP INTERESTS.  ALL TRANSFERS BY CERTIFICATE OWNERS OF THEIR RESPECTIVE OWNERSHIP IN THE BOOK-ENTRY CERTIFICATES SHALL BE MADE IN ACCORDANCE WITH THE PROCEDURES ESTABLISHED BY THE DEPOSITORY PARTICIPANT OR BROKERAGE FIRM REPRESENTING SUCH CERTIFICATE OWNER.  EACH
DEPOSITORY PARTICIPANT SHALL TRANSFER THE OWNERSHIP INTERESTS ONLY IN THE BOOK-ENTRY CERTIFICATES OF CERTIFICATE OWNERS IT REPRESENTS OR OF BROKERAGE FIRMS FOR WHICH IT ACTS AS AGENT IN ACCORDANCE WITH THE DEPOSITORY’S NORMAL PROCEDURES.  THE TRUSTEE SHALL NOT BE REQUIRED TO MONITOR, DETERMINE OR INQUIRE AS TO COMPLIANCE WITH THE TRANSFER RESTRICTIONS WITH RESPECT TO THE BOOK-ENTRY CERTIFICATES, AND THE TRUSTEE SHALL HAVE NO LIABILITY FOR TRANSFERS OF OWNERSHIP INTERESTS IN THE BOOK-ENTRY CERTIFICATES MADE THROUGH THE BOOK-ENTRY FACILITIES OF THE DEPOSITORY OR BETWEEN OR AMONG DEPOSITORY PARTICIPANTS OR CERTIFICATE OWNERS, MADE IN VIOLATION OF THE APPLICABLE RESTRICTIONS.

[[FOR CLASS M-10 CERTIFICATES] THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR UNDER ANY STATE SECURITIES OR BLUE SKY LAW OF ANY STATE. THE HOLDER HEREOF, BY PURCHASING THIS CERTIFICATE, AGREES THAT THIS CERTIFICATE MAY BE REOFFERED, RESOLD, PLEDGED OR OTHERWISE TRANSFERRED ONLY IN COMPLIANCE WITH THE SECURITIES ACT AND OTHER APPLICABLE LAWS AND ONLY (1) PURSUANT TO RULE 144A UNDER THE SECURITIES ACT (“RULE 144A”) TO A 

 

PERSON THAT THE HOLDER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A (A “QIB”), PURCHASING FOR ITS OWN ACCOUNT OR A QIB PURCHASING FOR THE ACCOUNT OF A QIB, WHOM THE HOLDER HAS INFORMED, IN EACH CASE, THAT THE REOFFER, RESALE, PLEDGE OR OTHER TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, (2) PURSUANT TO AN EXEMPTION FROM REGISTRATION PROVIDED BY RULE 144 UNDER THE SECURITIES ACT (IF AVAILABLE), (3) IN CERTIFICATED FORM TO AN “INSTITUTIONAL ACCREDITED INVESTOR” WITHIN THE MEANING THEREOF IN RULE 501(a)(1), (2), (3) or (7) (OR ANY ENTITY IN WHICH ALL OF THE EQUITYHOLDERS COME WITHIN SUCH PARAGRAPHS) OF REGULATION D UNDER THE SECURITIES ACT PURCHASING NOT FOR DISTRIBUTION IN VIOLATION OF THE SECURITIES ACT, SUBJECT TO (A) THE RECEIPT BY THE TRUSTEE OF A LETTER SUBSTANTIALLY IN THE FORM PROVIDED IN THE AGREEMENT AND (B) AN OPINION OF COUNSEL AS
TO COMPLIANCE WITH ALL APPLICABLE SECURITIES LAWS OF THE UNITED STATES OR (4) PURSUANT TO REGULATION S UNDER THE SECURITES ACT (“REGULATION S”) TO NON-U.S. PERSONS OUTSIDE THE UNITED STATES IN COMPLIANCE WITH REGULATION S UNDER THE SECURITIES ACT. THIS CERTIFICATE MAY NOT BE ACQUIRED DIRECTLY OR INDIRECTLY BY, OR ON BEHALF OF, AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT WHICH IS SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED, UNLESS THE PROPOSED TRANSFEREE PROVIDES AN OPINION OF COUNSEL REQUIRED BY THE POOLING AND SERVICING AGREEMENT OR, PRIOR TO THE TERMINATION OF THE SUPPLEMENTAL INTEREST TRUST, IT IS AN INSURANCE COMPANY GENERAL ACCOUNT ELIGIBLE FOR THE EXEMPTIVE RELIEF IN PTCE 95-60, OR SUBSEQUENT TO THE TERMINATION OF THE SUPPLEMENTAL INTEREST TRUST, REPRESENTS THAT IT IS AN INSURANCE COMPANY, THE SOURCE OF FUNDS USED TO ACQUIRE OR HOLD THE CERTIFICATE
OR INTEREST THEREIN IS AN “INSURANCE COMPANY GENERAL ACCOUNT,” AS SUCH TERM IS DEFINED IN PROHIBITED TRANSACTION EXEMPTION (“PTE”) 95 60, AND THE CONDITIONS IN SECTIONS I AND III OF PTE 95 60 HAVE BEEN SATISFIED.]

UNTIL TERMINATION OF THE SUPPLEMENTAL INTEREST TRUST, THIS CERTIFICATE MAY NOT BE ACQUIRED DIRECTLY OR INDIRECTLY BY, ON BEHALF OF, OR WITH PLAN ASSETS OF AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT THAT IS SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED UNLESS AN OPINION OF COUNSEL IS PROVIDED.

SUBSEQUENT TO THE TERMINATION OF THE SUPPLEMENTAL INTEREST TRUST, THE TRANSFEREE SHALL BE DEEMED TO HAVE MADE THE REPRESENTATION SET FORTH IN SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT.

 

 

	
            Certificate No.______
 	
            Adjustable Pass-Through Rate
 
	
            Class [M-__][Mezzanine]
 	
            Aggregate Initial Certificate Principal

Balance of the Class [M-__]

Certificates: $____________
 
	
            Date of Pooling and Servicing

Agreement and Cut-off Date:

November 1, 2005
 	
            Initial Certificate Principal Balance of this Certificate:

$__________________
 
	
            First Distribution Date:

December 27, 2005
 	
            CUSIP:______________
 
	
            Master Servicer:

Wells Fargo Bank, National Association
 	
             
 
	
            Assumed Final Distribution Date:

[__________] 2035
 	
             
 

 

ASSET-BACKED PASS-THROUGH CERTIFICATE

SERIES 2005-5

evidencing a percentage interest in any distributions allocable to the Class M-__  Certificates with respect to the Trust Fund consisting primarily of a pool of one- to four-family fixed-rate and adjustable-rate first lien and second lien mortgage loans formed and sold by OPTEUM MORTGAGE ACCEPTANCE CORPORATION

This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator or the Trustee referred to below or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator, the Trustee or any of their affiliates. None of Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates.

This certifies that Cede & Co. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Initial Certificate Principal Balance of this Certificate by the aggregate Initial Certificate Principal Balance of all Class M-__ Certificates, both as specified above) in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of one- to four-family fixed-rate and adjustable-rate first lien and second lien mortgage loans (the “Mortgage Loans”), sold by Opteum Mortgage Acceptance Corporation (hereinafter called the “Company,” which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the “Agreement”) among the Company, the 

 

Master Servicer, the Securities Administrator and HSBC Bank USA, National Association, as trustee (the “Trustee”), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

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

Distributions on this Certificate will be made by the Securities Administrator either in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Securities Administrator and the Trustee at least 5 Business Days prior to the related Record Date, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register.

Any transferee shall be deemed to have made the representation set forth in Section 5.02(c) of the Agreement.

Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Securities Administrator for that purpose in the City of Minneapolis and State of Minnesota. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of distributions allocable to principal.

This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the “Certificates”).

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders.

As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such 

 

purposes including without limitation reimbursement to the Trustee, the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them.

The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer, the Securities Administrator, the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer, the Securities Administrator and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66-2/3% of the Percentage Interests of each Class of Certificates affected thereby.  Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate.  The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made until the termination of the Supplemental Interest Trust and except in accordance with Section 5.02(c) of the Agreement unless an opinion of counsel is provided.  Subsequent to the termination of the Subsequent Interest Trust, the transferee shall be deemed to have made the representation set forth in section 5.02(c) of the Agreement.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable with the Securities Administrator upon surrender of this Certificate for registration of transfer at the offices or agencies maintained by the Securities Administrator, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Securities Administrator duly executed by the Holder hereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement.  As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same.

No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Company, the Master Servicer, the Securities Administrator, the Servicer and the Trustee and any agent of the Company, the Master Servicer, the Securities Administrator, the Servicer or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Securities 

 

Administrator, the Servicer, the Trustee nor any such agent shall be affected by notice to the contrary.

This Certificate shall be governed by and construed in accordance with the laws of the State of New York.

The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the purchase by the Servicer or its designee or the Master Servicer from the Trust Fund of all remaining Mortgage Loans and each REO Property in respect thereof remaining in the Trust Fund, thereby effecting early retirement of the Certificates and (ii) the final payment or other liquidation (or any Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund (or the disposition of all REO Property in respect thereof).  The Agreement permits, but does not require, the Servicer, or, if the Servicer does not exercise this right the Master Servicer to purchase at a price
determined as provided in the Agreement all remaining Mortgage Loans and all REO Property; provided, that any such option may only be exercised on or after the first Distribution Date on which the aggregate unpaid balance of the Mortgage Loans is less than or equal to ten percent of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase by the Servicer, or on or after the first Distribution Date on which the aggregate unpaid principal balance of the Mortgage Loans is less than or equal to five percent of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase by the Master Servicer.

Unless the certificate of authentication hereon has been executed by the Securities Administrator, by manual  signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Securities Administrator has caused this Certificate to be duly executed.

	
            Dated: November 29, 2005
 	
             
 	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION,

as Securities Administrator
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Signatory
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION,

as Securities Administrator
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Signatory
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 

 

 

 

 

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto _____________________________________  (Please print or typewrite name and address including postal zip code of assignee) a Percentage  Interest evidenced by the within Asset-Backed Pass-Through Certificate and hereby authorizes the  transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund.

I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:  

	
             
 	
             
 	
            .
 
	
             
 	
             
 	
             
 

 

	
            Dated:
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

	
            Distributions shall be made, by wire transfer or otherwise, in immediately available 
 
	
            funds to
 	
             
 
	
             
 
	
            for the account of
 	
             
 
	
            account number
 	
             
 	
            or, if mailed by check, to
 
	
             
 
	
            Applicable statements should be mailed to
 	
             
 
	
             
 
	
             
 
	
            This information is provided by
 	
             
 
	
            assignee named above, or
 	
             
 
	
            its agent.
 	
             
 
								

 

 

 

EXHIBIT B-2

FORM OF CLASS C CERTIFICATES

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A-[_], AND CLASS M CERTIFICATES AS DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW).

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

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”).  ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT (EACH A “PLAN”) SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), SHALL BE MADE EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

 

 

	
            Certificate No. 1
 	
             
 
	
            Class C
 	
            Aggregate Initial Notional Amount of the

Class C Certificates:

$_________________
 
	
            Date of Pooling and Servicing

Agreement and Cut-off Date:

November 1, 2005
 	
            Initial Notional Amount

of this Certificate (“Denomination”):

$______________
 
	
            First Distribution Date:

December 27, 2005
 	
            Initial Certificate Principal Balance of

this Certificate (“Denomination”):

$______________
 
	
            Master Servicer:

Wells Fargo Bank, National Association
 	
             
 
	
            Assumed Final Distribution Date:

[______________]
 	
             
 

 

ASSET-BACKED PASS-THROUGH CERTIFICATE

SERIES 2005-5

evidencing percentage interest in the distributions allocable to the Class C  Certificates with respect to a Trust Fund consisting primarily of a pool of one- to four- family fixed-rate and adjustable-rate first lien and seond lien mortgage loans formed and sold by OPTEUM MORTGAGE ACCEPTANCE CORPORATION

This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator or the Trustee referred to below or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator, the Trustee or any of their affiliates. None of Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates.

This certifies that ___________________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Original Class C Certificate by the Original Class Certificate Principal Balance) in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of one- to four-family fixed-rate and adjustable-rate first lien and second lien mortgage loans (the “Mortgage Loans”), sold by Opteum Mortgage Acceptance Corporation (hereinafter called the “Company,” which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the “Agreement”) among the Company, the Master Servicer, the Securities Administrator and HSBC 

 

Bank USA, National Association, as trustee (the “Trustee”), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Class C Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the Distribution Date”), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such Distribution Date (the “Record Date”), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount of interest and principal, if any , required to be distributed to Holders of Class C Certificates on such Distribution Date.

Distributions on this Certificate will be made by the Securities Administrator either in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Securities Administrator and the Trustee at least 5 Business Days prior to the related Record Date, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register.

Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Securities Administrator for that purpose in the City of Minneapolis and State of Minnesota.

This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the “Certificates”).

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders.

As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Trustee, the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them.

No transfer of a Certificate of this Class shall be made unless such transfer is made pursuant to an effective registration statement under the Act and any applicable state securities laws or is exempt from the registration requirements under said Act and such laws.  In the event 

 

that a transfer is to be made in reliance upon an exemption from the Act and such laws, in order to assure compliance with the act and such laws, the Certificateholder desiring to effect such transfer and such Certificateholder’s prospective transferee shall each certify to the Trustee and the Company in writing the facts surrounding the transfer.  In the event that such a transfer is not to be made pursuant to Rule 144A of the act, there shall be delivered to the Trustee and the Company of an Opinion of Counsel that such transfer may be made pursuant to an exemption from the Act, which Opinion of Counsel shall not be obtained at the expense of the Trustee, the Master Servicer or the Company; or there shall be delivered to the Trustee and the Company a transferor certificate by the transferor and an investment letter shall be executed by the transferee.  The Holder hereof desiring to effect such
transfer shall, and does hereby agree to, indemnify the Trustee and the Company against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer, the Securities Administrator, the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer, the Securities Administrator and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66-2/3% of the Percentage Interests of each Class of Certificates affected thereby.  Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate.  The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer  of this Certificate is registrable with the Securities Administrator upon surrender of this Certificate for registration of transfer at the offices or agencies maintained by the Securities Administrator, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Securities Administrator duly executed by the Holder hereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement.  As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same.

 

 

No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Company, the Master Servicer, the Securities Administrator, the Servicer and the Trustee and any agent of the Company, the Master Servicer, the Securities Administrator, the Servicer or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Securities Administrator, the Servicer, the Trustee nor any such agent shall be affected by notice to the contrary.

This Certificate shall be governed by and construed in accordance with the laws of the State of New York.

The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the purchase by the Servicer or its designee or the Master Servicer from the Trust Fund of all remaining Mortgage Loans and each REO Property in respect thereof remaining in the Trust Fund, thereby effecting early retirement of the Certificates and (ii) the final payment or other liquidation (or any Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund (or the disposition of all REO Property in respect thereof).  The Agreement permits, but does not require, the Servicer, or, of the Servicer does not exercise this right, the Master Servicer to purchase at a price
determined as provided in the Agreement all remaining Mortgage Loans and all REO Property; provided, that any such option may only be exercised on or after the first Distribution Date on which the aggregate unpaid balance of the Mortgage Loans is less than or equal to ten percent of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase by the Servicer, or on or after the first Distribution Date on which the aggregate unpaid principal balance of the Mortgage Loans is less than or equal to five percent of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase by the Master Servicer.

Unless the certificate of authentication hereon has been executed by the Securities Administrator, by manual  signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Securities Administrator has caused this Certificate to be duly executed.

	
            Dated: November 29, 2005
 	
             
 	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION,

as Securities Administrator
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Signatory
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 

 

 

CERTIFICATE OF AUTHENTICATION

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

	
             
 	
             
 	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION,

as Securities Administrator
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Signatory
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 

 

 

 

 

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto _____________________________________  (Please print or typewrite name and address including postal zip code of assignee) a Percentage  Interest evidenced by the within Asset-Backed Pass-Through Certificate and hereby authorizes the  transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund.

I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:  

	
             
 	
             
 	
            .
 

 

 

	
            Dated:
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

	
            Distributions shall be made, by wire transfer or otherwise, in immediately available 
 
	
            funds to
 	
             
 
	
             
 
	
            for the account of
 	
             
 
	
            account number
 	
             
 	
            or, if mailed by check, to
 
	
             
 
	
            Applicable statements should be mailed to
 	
             
 
	
             
 
	
             
 
	
            This information is provided by
 	
             
 
	
            assignee named above, or
 	
             
 
	
            its agent.
 	
             
 
								

 

 

 

EXHIBIT B-3

FORM OF CLASS P CERTIFICATE

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

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”).  ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT (EACH A “PLAN”) SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), SHALL BE MADE EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

 

 

	
            Certificate No. 1
 	
             
 
	
            Class P
 	
            Aggregate Initial Certificate Principal

Balance of the Class P Certificates:

$100.00
 
	
            Date of Pooling and Servicing

Agreement and Cut-off Date:

November 1, 2005
 	
            Initial Certificate Principal Balance

of this Certificate (“Denomination”):

$100.00
 
	
            First Distribution Date:

December 27, 2005
 	
            Percentage Interest of this Certificate:

100.00%
 
	
            Master Servicer:

Wells Fargo Bank, National Association
 	
             
 
	
            Assumed Final Distribution Date:

[_______________]
 	
             
 

 

ASSET-BACKED PASS-THROUGH CERTIFICATE

SERIES 2005-5

evidencing a percentage interest in any distributions allocable to the Class P Certificates with respect to the Trust Fund consisting primarily of a pool of one- to four-family fixed-rate and adjustable-rate first lien and second lien mortgage loans sold by OPTEUM MORTGAGE ACCEPTANCE CORPORATION

This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator or the Trustee referred to below or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator, the Trustee or any of their affiliates. None of Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates.

This certifies that ___________________ is the registered owner of the Percentage Interest evidenced by this Class P Certificate (obtained by dividing the Denomination of this Class P Certificate by the Original Class Certificate Principal Balance) in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of one- to four-family fixed-rate and adjustable-rate first lien and second lien mortgage loans (the “Mortgage Loans”), sold by Opteum Mortgage Acceptance Corporation (hereinafter called the “Company,” which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the “Agreement”) among the Company, the Master Servicer, the Securities Administrator and HSBC Bank USA, National Association, as trustee
(the “Trustee”), a summary of certain of the 

 

pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the Distribution Date”), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such Distribution Date (the “Record Date”), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount of interest and principal, if any , required to be distributed to Holders of Class P Certificates on such Distribution Date.

Distributions on this Certificate will be made by the Securities Administrator either in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Securities Administrator and the Trustee at least 5 Business Days prior to the related Record Date, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register.

Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Securities Administrator for that purpose in the City of Minneapolis and State of Minnesota. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of distributions allocable to principal.  This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the “Certificates”).

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders.

As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Trustee, the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them.

No transfer of a Certificate of this Class shall be made unless such transfer is made pursuant to an effective registration statement under the Act and any applicable state securities laws or is exempt from the registration requirements under said Act and such laws.  In the event that a transfer is to be made in reliance upon an exemption from the Act and such laws, in order 

 

to assure compliance with the Act and such laws, the Certificateholder desiring to effect such transfer and such Certificateholder’s prospective transferee shall each certify to the Trustee and the Company in writing the facts surrounding the transfer.  In the event that such a transfer is not to be made pursuant to Rule 144A of the Act, there shall be delivered to the Trustee and the Company of an Opinion of Counsel that such transfer may be made pursuant to an exemption from the Act, which Opinion of Counsel shall not be obtained at the expense of the Trustee, the Master Servicer or the Company; or there shall be delivered to the Trustee and the Company a transferor certificate by the transferor and an investment letter shall be executed by the transferee.  The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Company against any liability
that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(c) of the Agreement.

The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer, the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66-2/3% of the Percentage Interests of each Class of Certificates affected thereby.  Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate.  The Agreement also permits the amendment thereof in certain circumstances without the
consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer  of this Certificate is registrable with the Securities Administrator upon surrender of this Certificate for registration of transfer at the offices or agencies maintained by the Securities Administrator, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Securities Administrator duly executed by the Holder hereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement.  As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same.

 

 

No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Company, the Master Servicer, the Securities Administrator, the Servicer and the Trustee and any agent of the Company, the Master Servicer, the Securities Administrator, the Servicer or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Securities Administrator, the Servicer, the Trustee nor any such agent shall be affected by notice to the contrary.

This Certificate shall be governed by and construed in accordance with the laws of the State of New York.

The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the purchase by the Servicer or its designee or the Master Servicer from the Trust Fund of all remaining Mortgage Loans and each REO Property in respect thereof remaining in the Trust Fund, thereby effecting early retirement of the Certificates and (ii) the final payment or other liquidation (or any Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund (or the disposition of all REO Property in respect thereof).  The Agreement permits, but does not require, the Servicer, or, if the Servicer does not exercise this right, the Master Servicer to purchase at a price
determined as provided in the Agreement all remaining Mortgage Loans and all REO Property; provided, that any such option may only be exercised on or after the first Distribution Date on which the aggregate unpaid balance of the Mortgage Loans is less than or equal to ten percent of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase by the Servicer, or on or after the first Distribution Date on which the aggregate unpaid principal balance of the Mortgage Loans is less than or equal to five percent of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase by the Master Servicer.

Unless the certificate of authentication hereon has been executed by the Securities Administrator, by manual  signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Securities Administrator has caused this Certificate to be duly executed.

 

	
            Dated: November 29, 2005
 	
             
 	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION,

as Securities Administrator
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Signatory
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 

 

 

CERTIFICATE OF AUTHENTICATION

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

 

	
             
 	
             
 	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION,

as Securities Administrator
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Signatory
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 

 

 

 

 

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

	
             
 	
             
 	
            .
 
	
             
 	
             
 	
             
 

 (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF ASSIGNEE)

a Percentage Interest evidenced by the within Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund.

I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:         

 

	
             
 	
             
 	
             
 

 

	
            Dated:
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 
	
             
 	
            
 
 
 
	
             
 	
            Signature Guaranteed
 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

	
            Distributions shall be made, by wire transfer or otherwise, in immediately available 
 
	
            funds to
 	
             
 
	
             
 
	
            for the account of
 	
             
 
	
            account number
 	
             
 	
            or, if mailed by check, to
 
	
             
 
	
            Applicable statements should be mailed to
 	
             
 
	
             
 
	
             
 
	
            This information is provided by
 	
             
 
	
            assignee named above, or
 	
             
 
	
            its agent.
 	
             
 
								

 

 

 

EXHIBIT B-4

FORM OF CLASS R CERTIFICATE

THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW).

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE REPRESENTS A “RESIDUAL INTEREST” IN ONE OR MORE “REAL ESTATE MORTGAGE INVESTMENT CONDUITS” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”).

NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(c) OF THE AGREEMENT OR AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE SECURITIES ADMINISTRATOR, THE COMPANY AND THE TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE MASTER SERVICER, THE SECURITIES ADMINISTRATOR, THE COMPANY OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT (THE “AGREEMENT”).

THIS CLASS R CERTIFICATE HAS NO PRINCIPAL BALANCE, DOES NOT BEAR INTEREST AND WILL NOT RECEIVE ANY DISTRIBUTIONS EXCEPT AS PROVIDED HEREIN.

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER, THE SECURITIES ADMINISTRATOR AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B) OR (C) BEING HEREIN REFERRED TO AS A “DISQUALIFIED ORGANIZATION”) OR (D) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) NO PURPOSE
OF SUCH TRANSFER IS TO IMPEDE THE 

 

ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE.  NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OR ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.

 

 

	
            Certificate No. 1
 	
             
 
	
             
 	
             
 
	
            Class R
 	
             
 
	
             
 	
             
 
	
            Date of Pooling and, Servicing

Agreement and Cut-off Date:

November 1, 2005
 	
            Percentage Interest:  100%
 
	
             
 	
             
 
	
            First Distribution Date:

December 27, 2005
 	
             
 
	
             
 	
             
 
	
            Master Servicer:

Wells Fargo Bank, National Association
 	
             
 
	
             
 	
             
 
	
            Assumed Final Distribution Date:

July 25, 2035
 	
             
 

 

ASSET-BACKED PASS-THROUGH CERTIFICATE

SERIES 2005-5

evidencing a percentage interest in any distributions allocable to the Class R Certificates with respect to the Trust Fund consisting primarily of a pool of one- to four-family fixed-rate and adjustable-rate first lien mortgage loans sold by OPTEUM MORTGAGE ACCEPTANCE CORPORATION

This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator, the Trustee referred to below or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator, the Trustee or any of their affiliates. None of Opteum Mortgage Acceptance Corporation, the Master Servicer, the Servicer, the Seller, the Securities Administrator or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates.

This certifies that ___________________ is the registered owner of the Percentage Interest evidenced by this Certificate in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of one- to four-family fixed-rate and adjustable-rate 

 

first lien mortgage loans (the “Mortgage Loans”), sold by Opteum Mortgage Acceptance Corporation (hereinafter called the “Company,” which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the “Agreement”) among the Company, the Master Servicer, the Securities Administrator and HSBC Bank USA, National Association, as trustee (the “Trustee”), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such
Holder is bound.

Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the Distribution Date”), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such Distribution Date (the “Record Date”), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount of interest and principal, if any , required to be distributed to Holders of Class R Certificates on such Distribution Date.

Each Holder of this Certificate will be deemed to have agreed to be bound by the restrictions set forth in the Agreement to the effect that (i) each person holding or acquiring any Ownership Interest in this Certificate must be a United States Person and a Permitted Transferee, (ii) the transfer of any Ownership Interest in this Certificate will be conditioned upon the delivery to the Trustee of, among other things, an affidavit to the effect that it is a United States Person and Permitted Transferee, (iii) any attempted or purported transfer of any Ownership Interest in this Certificate in violation of such restrictions will be absolutely null and void and will vest no rights in the purported transferee, and (iv) if any person other than a United States Person and a Permitted Transferee acquires any Ownership Interest in this Certificate in violation of such restrictions, then the
Company will have the right, in its sole discretion and without notice to the Holder of this Certificate, to sell this Certificate to a purchaser selected by the Company, which purchaser may be the Company, or any affiliate of the Company, on such terms and conditions as the Company may choose.

Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Securities Administrator for that purpose in the City of Minneapolis and State of Minnesota.

In connection with any transfer of this Certificate, the Trustee will also require either (i) an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee with respect to the permissibility of such transfer under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) and Section 4975 of the Internal Revenue Code (the “Code”) and stating, among other things, that the transferee’s acquisition of a Class R Certificate will not constitute or result in a non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code or (ii) a representation letter, in the form as described by the Agreement, stating that the transferee is not an employee benefit or other plan subject to the 

 

prohibited transaction provisions of ERISA or Section 4975 of the Code (a “Plan”), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with “plan assets” of any Plan.

This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the “Certificates”).

The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders.

As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Trustee, the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them.

The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer, the Securities Administrator, the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer, the Securities Administrator and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66-2/3% of the Percentage Interests of each Class of Certificates affected thereby.  Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate.  The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer  of this Certificate is registrable with the Securities Administrator upon surrender of this Certificate for registration of transfer at the offices or agencies maintained by the Securities Administrator, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Securities Administrator duly executed by the Holder hereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement.  As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of 

 

authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same.

No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Company, the Master Servicer, the Securities Administrator, the Servicer and the Trustee and any agent of the Company, the Master Servicer, the Securities Administrator, the Servicer or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Securities Administrator, the Servicer, the Trustee nor any such agent shall be affected by notice to the contrary.

This Certificate shall be governed by and construed in accordance with the laws of the State of New York.

The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the purchase by the Servicer or its designee or the Master Servicer from the Trust Fund of all remaining Mortgage Loans and each REO Property in respect thereof remaining in the Trust Fund, thereby effecting early retirement of the Certificates and (ii) the final payment or other liquidation (or any Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund (or the disposition of all REO Property in respect thereof).  The Agreement permits, but does not require, the Servicer, or, if the Servicer does not exercise this right, or the Master Servicer to purchase at a
price determined as provided in the Agreement all remaining Mortgage Loans and all REO Property; provided, that any such option may only be exercised on or after the first Distribution Date on which the aggregate unpaid balance of the Mortgage Loans is less than or equal to ten percent of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase by the Servicer, or on or after the first Distribution Date on which the aggregate unpaid principal balance of the Mortgage Loans is less than or equal to five percent of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase by the Master Servicer.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purpose have the same effect as if set forth at this place.

Unless the certificate of authentication hereon has been executed by the Securities Administrator, by manual  signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

 

 

IN WITNESS WHEREOF, the Securities Administrator has caused this Certificate to be duly executed.

	
            Dated: November 29, 2005
 	
             
 	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION,

as Securities Administrator
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Signatory
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 

 

 

CERTIFICATE OF AUTHENTICATION

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

 

	
             
 	
             
 	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION,

as Securities Administrator
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Authorized Signatory
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 

 

 

 

 

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

 

	
             
 	
             
 	
            .
 

 

	
             
 	
             
 	
            .
 

 (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF ASSIGNEE)

a Percentage Interest evidenced by the within Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund.

I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: 

 

	
             
 	
             
 	
            .
 

 

	
            Dated:
 	
            
 
 
 
	
             
 	
            Signature by or on behalf of assignor
 
	
             
 	
             
 

 

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

	
            Distributions shall be made, by wire transfer or otherwise, in immediately available 
 
	
            funds to
 	
             
 
	
             
 
	
            for the account of
 	
             
 
	
            account number
 	
             
 	
            or, if mailed by check, to
 
	
             
 
	
            Applicable statements should be mailed to
 	
             
 
	
             
 
	
             
 
	
            This information is provided by
 	
             
 
	
            assignee named above, or
 	
             
 
	
            its agent.
 	
             
 
								

 

 

 

EXHIBIT C

FORM OF CUSTODIAN INITIAL CERTIFICATION

November 29, 2005

 

	
            HSBC Bank USA, National Association

452 Fifth Avenue

New York, New York 10018
 	
            Opteum Mortgage Acceptance Corporation

W. 115 Century Road

Paramus, New Jersey 07652
 

 

Attention: Opteum Mortgage Acceptance Corporation,

OMAC Mortgage Trust 2005-5, Asset-Backed Pass-Through Certificates, Series 2005-5

	
             
 	
            Re:
 	
            
Custodial Agreement, dated as of November 29, 2005, by and among HSBC Bank USA, National Association, Opteum Mortgage Acceptance Corporation and Wells Fargo Bank, National Association relating to OMAC Mortgage Trust 2005-5, Asset-Backed Pass-Through Certificates, Series 2005-5
 
 

 

Ladies and Gentlemen:

In accordance with Section 2.3 of the above-captioned Custodial Agreement and subject to Section 2.02 of the Pooling and Servicing Agreement, dated as of November 1, 2005 among Opteum Mortgage Acceptance Corporation, HSBC Bank USA, National Association and Wells Fargo Bank, National Association, the undersigned, as custodian (the “Custodian”), hereby certifies that as to each Mortgage Loan listed in the Mortgage Loan Schedule (other than any Mortgage Loan paid in full or listed on the attachment hereto) it has reviewed the Mortgage File, and has determined that: (1) all documents required to be included in the Mortgage File are in its possession and (2) such documents have been reviewed by it and appear regular on their face and relate to such Mortgage Loan.

The Custodian has made no independent examination of any documents contained in each Mortgage File beyond the review specifically required in the above-referenced Custodial and Pooling and Servicing Agreements. The Custodian makes no representations as to and shall not be responsible to verify: (i) the validity, legality, sufficiency, enforceability, due authorization, recordability or genuineness of any of the documents contained in each Mortgage File of any of the Mortgage Loans identified on the Mortgage Loan Schedule, (ii) the collectability, insurability, effectiveness or suitability of any such Mortgage Loan, or (iii) the existence of any assumption, modification, written assurance or substitution agreement with respect to any Mortgage File if no such documents appear in the Mortgage File delivered to the Custodian.

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

 

 

 

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION, as Custodian
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 

 

 

 

EXHIBIT D

FORM OF CUSTODIAN FINAL CERTIFICATION

_____________, 20__

 

	
            HSBC Bank USA, National Association

452 Fifth Avenue

New York, New York 10018
 	
            Opteum Mortgage Acceptance Corporation

W. 115 Century Road

Paramus, New Jersey 07652
 

 

Attention: Opteum Mortgage Acceptance Corporation,

OMAC  Mortgage Trust 2005-5, Asset-Backed Pass-Through Certificates, Series 2005-5

	
             
 	
            Re:
 	
            
Custodial Agreement, dated as of November 29, 2005, by and among HSBC Bank USA, National Association, Opteum Mortgage Acceptance Corporation and Wells Fargo Bank, National Association relating to OMAC  Mortgage Trust 2005-5, Asset-Backed Pass-Through Certificates, Series 2005-5
 
 

 

Ladies and Gentlemen:

In accordance with Section 2.3 of the above-captioned Custodial Agreement and subject to Section 2.02 of the Pooling and Servicing Agreement, the undersigned, as Custodian, hereby certifies that it has received a Mortgage File with respect to each Mortgage Loan listed in the Mortgage Loan Schedule containing with respect to each Mortgage Loan:

(i)          the original Mortgage Note (including all riders thereto) bearing all intervening endorsements necessary to show a complete chain of endorsements from the original payee, endorsed “Pay to the order of HSBC Bank USA, National Association without recourse”, via original signature, and, if previously endorsed, signed in the name of the last endorsee by a duly qualified officer of the last endorsee. If the Mortgage Loan was acquired by the last endorsee in a merger, the endorsement must be by “[name of last endorsee], successor by merger to [name of the predecessor].” If the Mortgage Loan was acquired or originated by the last endorsee while doing business under another name, the endorsement must be by “[name of last endorsee], formerly known as
[previous name].”

(ii)         The original recorded Mortgage, noting the presence of the MIN of the Mortgage Loan and either language indicating that the Mortgage Loan is a MOM loan or if the Mortgage Loan was not a MOM loan at origination, the original Mortgage and the assignment thereof to MERS, with evidence of recording indicated thereon; provided that if such document is not included because of a delay by the public recording office where such document has been delivered for recordation or such office as a matter of policy does not return the original of such document or if such original Mortgage has been lost, the Seller shall include or cause to be included a copy thereof certified by the appropriate recording office, if available;

 

 

(iii)        the original Assignment of Mortgage in blank, in form and substance acceptable for recordation in the jurisdiction in which the related mortgage property is located and signed in the name of the Last Endorsee by an authorized officer; unless the Mortgage Loan is registered on the MERS system;

(iv)        The original intervening Assignments, if any and if available, with evidence of recording thereon, showing an unbroken chain of title to the Mortgage from the originator thereof to Person assigning it to the Trustee (or to MERS, if the Mortgage Loan is registered on the MERS® System); provided that if such document is not included because of a delay by the public recording office where such document has been delivered for recordation or such office as a matter of policy does not return the original of such document, the Seller shall include or cause to be included a copy thereof certified by the appropriate recording office, if available;

(v)         The originals of each assumption, modification or substitution agreement, if any and if available, relating to the Mortgage Loan; and

(vi)        the original title insurance policy, or, if such policy has not been issued, any one of an original or a copy of the preliminary title report, title binder or title commitment on the Mortgaged Property with the original policy of the insurance to be delivered promptly following the receipt thereof;

Capitalized words and phrases used herein shall have the respective meanings assigned to them in the above-captioned Custodial Agreement or in the Pooling and Servicing Agreement, as applicable.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION, 
 as Custodian
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
            
 
 
 

 

 

 

EXHIBIT E

FORM OF REMITTANCE REPORT

(PROVIDED UPON REQUEST)

 

 

EXHIBIT F

FORM OF REQUEST FOR RELEASE OF DOCUMENTS

	
            To:
 	
            HSBC Bank USA, National Association
 

452 Fifth Avenue

New York, New York 10018

	
             
 	
            Re:
 	
            
Pooling and Servicing Agreement, dated as of November 1, 2005, by and among HSBC Bank USA, National Association, Opteum Mortgage Acceptance Corporation and Wells Fargo Bank, National Association relating to OMAC  Mortgage Trust 2005-5, Asset-Backed Pass-Through Certificates, Series 2005-5
 
 

 

In connection with the administration of the Mortgage Loans held by you pursuant to the above-captioned Pooling and Servicing Agreement, we request the release, and hereby acknowledge receipt, of the Mortgage File for the Mortgage Loan described below, for the reason indicated.

Mortgage Loan Number:

Mortgagor Name, Address & Zip Code:

Reason for Requesting Documents (check one):

	
            _____
 	
            1.
 	
            Mortgage Paid in Full and proceeds have been deposited into the Custodial Account
 
	
            _____
 	
            2.
 	
            Foreclosure
 	
             
 	
             
 
	
            _____
 	
            3.
 	
            Substitution
 	
             
 	
             
 
	
            _____
 	
            4.
 	
            Other Liquidation
 	
             
 	
             
 
	
            _____
 	
            5.
 	
            Nonliquidation
 	
            Reason:
 	
            _________________________
 
	
            _____
 	
            6.
 	
            California Mortgage Loan paid in full
 

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            (authorized signer)

 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Issuer:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Address:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Date:
 	
            
 
 
 

 

 

 

EXHIBIT G-1

FORM OF INVESTOR REPRESENTATION LETTER

_____________,200__

Opteum Mortgage Acceptance Corporation

W. 115 Century Road

Paramus, New Jersey 07652

HSBC Bank USA, National Association

452 Fifth Avenue

New York, New York 10018

Attention: Opteum Mortgage Acceptance Corporation Series 2005-5

	
             
 	
            Re:
 	
            
Opteum Mortgage Acceptance Corporation Asset-Backed Pass-Through Certificates Series 2005-5, Class [___]
 
 

 

Ladies and Gentlemen:

______________ (the “Purchaser”) intends to purchase from ______________ (the “Seller”) $_________ Initial Certificate Principal Balance of Asset-Backed Pass-Through Certificates, Series 2005-5, Class _____ (the “Certificates”), issued pursuant to the Pooling and Servicing Agreement (the “Pooling and Servicing Agreement”), dated as of November 1, 2005 among Opteum Mortgage Acceptance Corporation, as company (the “Company”), Wells Fargo Bank, National Association, as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and HSBC Bank USA, National Association, as trustee (the “Trustee”).  All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement.  The Purchaser
hereby certifies, represents and warrants to, and covenants with, the Company and the Trustee that:

1.           The Purchaser understands that (a) the Certificates have not been and will not be registered or qualified under the Securities Act of 1933, as amended (the “Act”) or any state securities law, (b) the Company is not required to so register or qualify the Certificates, (c) the Certificates may be resold only if registered and qualified pursuant to the provisions of the Act or any state securities law, or if an exemption from such registration and qualification is available, (d) the Pooling and Servicing Agreement contains restrictions regarding the transfer of the Certificates and (e) the Certificates will bear a legend to the foregoing effect.

2.           The Purchaser is acquiring the Certificates for its own account for investment only and not with a view to or for sale in connection with any distribution thereof in any manner that would violate the Act or any applicable state securities laws.

3.           The Purchaser is (a) a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters, 

 

and, in particular, in such matters related to securities similar to the Certificates, such that it is capable of evaluating the merits and risks of investment in the Certificates, (b) able to bear the economic risks of such an investment and (c) an “accredited investor” within the meaning of Rule 501 (a) promulgated pursuant to the Act.

4.           The Purchaser has been furnished with, and has had an opportunity to review a copy of the Pooling and Servicing Agreement and such other information concerning the Certificates, the Mortgage Loans and the Company as has been requested by the Purchaser from the Company or the Seller and is relevant to the Purchaser’s decision to purchase the Certificates.  The Purchaser has had any questions arising from such review answered by the Company or the Seller to the satisfaction of the Purchaser.

5.           The Purchaser has not and will not nor has it authorized or will it authorize any person to (a) offer, pledge, sell, dispose of or otherwise transfer any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) solicit any offer to buy or to accept a pledge, disposition of other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) otherwise approach or negotiate with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, (d) make any general solicitation by means of general advertising or in any other manner or (e) take any other action, that (as to any of (a) through (e) above)
would constitute a distribution of any Certificate under the Act, that would render the disposition of any Certificate a violation of Section 5 of the Act or any state securities law, or that would require registration or qualification pursuant thereto. The Purchaser will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the Pooling and Servicing Agreement.

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Very truly yours,

 

 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            (Purchaser)
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 

 

 

 

EXHIBIT G-2

FORM OF TRANSFEROR REPRESENTATION LETTER

______________,200___

Opteum Mortgage Acceptance Corporation

W. 115 Century Road

Paramus, New Jersey 07652

HSBC Bank USA, National Association

452 Fifth Avenue

New York, New York 10018

Attention: Opteum Mortgage Acceptance Corporation Series 2005-5

	
             
 	
            Re:
 	
            
Opteum Mortgage Acceptance Corporation Asset-Backed Pass-Through Certificates, Series 2005-5, Class
 
 

 

Ladies and Gentlemen:

In connection with the sale by ___________ (the “Seller”) to ________ (the “Purchaser”) of $_________ Initial Certificate Principal Balance of Asset-Backed Pass-Through Certificates, Series 2005-5, Class _____ (the “Certificates”), issued pursuant to the Pooling and Servicing Agreement (the “Pooling and Servicing Agreement”), dated as of November 1, 2005 among Opteum Mortgage Acceptance Corporation, as company (the “Company”), Wells Fargo Bank, National Association, as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and HSBC Bank USA, National Association, as trustee (the “Trustee”).  The Seller hereby certifies, represents and warrants to, and covenants with, the Company and the Trustee that:

Neither the Seller nor anyone acting on its behalf has (a) offered, pledged, sold, disposed of or otherwise transferred any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) has solicited any offer to buy or to accept a pledge, disposition or other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) has otherwise approached or negotiated with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, (d) has made any general solicitation by means of general advertising or in any other manner, or (e) has taken any other action, that (as to any of (a) through (e) above) would constitute a distribution of the Certificates under the Securities Act of 1933 (the “Act”), that would render the
disposition of any Certificate a violation of Section 5 of the Act or any state securities law, or that would require registration or qualification pursuant thereto. The Seller will not act in any manner set forth in the foregoing sentence with respect to any Certificate. The Seller has not and will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the Pooling and Servicing Agreement.

 

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Very truly yours,

 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            (Seller)

 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 

 

 

 

EXHIBIT G-3

FORM OF RULE 144A INVESTMENT REPRESENTATION

DESCRIPTION OF RULE 144A SECURITIES, INCLUDING NUMBERS:

Opteum Mortgage Acceptance Corporation

Asset-Backed Pass-Through Certificates

SERIES 2005-5, CLASS ____, NO. ____

The undersigned seller, as registered holder (the “Transferor”), intends to transfer the Rule 144A Securities described above to the undersigned buyer (the “Buyer”).

1. In connection with such transfer and in accordance with the agreements pursuant to which the Rule 144A Securities were issued, the Transferor hereby certifies the following facts: Neither the Transferor nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, which would constitute a distribution of the Rule 144A Securities under the Securities Act
of 1933, as amended (the “1933 Act”), or which would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, and that the Transferor has not offered the Rule 144A Securities to any person other than the Buyer or another “qualified institutional buyer” as defined in Rule 144A under the 1933 Act.

2. The Buyer warrants and represents to, and covenants with, the Transferor, the Trustee and the Master Servicer pursuant to Section 5.02 of the Pooling and Servicing Agreement as follows:

a. The Buyer understands that the Rule 144A Securities have not been registered under the 1933 Act or the securities laws of any state.

b. The Buyer considers itself a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters that it is capable of evaluating the merits and risks of investment in the Rule 144A Securities.

c. The Buyer has been furnished with all information regarding the Rule 144A Securities that it has requested from the Transferor, the Trustee or the Master Servicer.

d. Neither the Buyer nor anyone acting on its behalf has offered, transferred,  pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security 

 

from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the 1933 Act or that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, nor will it act, nor has it authorized or will it authorize any person to act, in such manner with respect to the Rule 144A Securities.

e. The Buyer is a “qualified institutional buyer” as that term is defined  in Rule 144 under the 1933 Act and has completed either of the forms of certification to that effect attached hereto as Annex 1 or Annex 2.  The Buyer is aware that the sale to it is being made in reliance on Rule 144A.  The Buyer is acquiring the Rule 144A Securities for its own account or the account of other qualified institutional buyers, understands that such Rule 144 Securities may be resold, pledged or transferred only (i) to a person reasonably believed to be a qualified institutional buyer that purchases for its own account or for the account of a qualified institutional buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A, or (ii) pursuant to another exemption from registration under the 1933 Act.

3. The Buyer warrants and represents to, and covenants with, the Transferor, the Servicer and the Company that either (1) the Buyer is not an employee benefit plan within the meaning of Section 3(3) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) (“Plan”), or a plan within the meaning of Section 4975(e)(1) of the Internal Revenue Code of 1986 (the “Code”) (also a “Plan”), and the Buyer is not directly or indirectly purchasing the Rule 144A Securities on behalf of, as investment manager of, as named fiduciary of, as trustee of, or with assets of a Plan, or (2) the Buyer has provided the Trustee with the opinion letter required by section 5.02(c) of the Pooling and Servicing Agreement.

4. This document may be executed in one or more counterparts and by the different parties hereto on separate counterparts, each of which, when so executed, shall be deemed to be an original; such counterparts, together, shall constitute one and the same document.

 

 

IN WITNESS WHEREOF, each of the parties has executed this document as of the date set forth below.

 

	
            _____________________________________
 	
            _____________________________________
 
	
            Print Name of Transferor
 	
            Print Name of Buyer
 
	
             
 	
             
 
	
            By: _________________________________

Name:

Title:
 	
            By: _________________________________

Name:

Title:
 
	
             
 	
             
 
	
            Taxpayer Identification:

No.__________________________________

Date: ________________________________

 
 	
            Taxpayer Identification:

No. _________________________________

Date: ________________________________

 
 

 

 

 

ANNEX 1 TO EXHIBIT G-3

QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

[FOR BUYERS OTHER THAN REGISTERED INVESTMENT COMPANIES]

The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached:

1. As indicated below, the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the Buyer.

2. In connection with purchases by the Buyer, the Buyer is a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act of 1933 (“Rule 144A”) because (i) the Buyer owned and/or invested on a discretionary basis $____________________1 in securities (except for the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the criteria in the category marked below.

	
            ____
 	
            Corporation, etc.  The Buyer is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or charitable organization described in Section 501(c)(3) of the Internal Revenue Code.
 
	
            ____
 	
            Bank.  The Buyer (a) is a national bank or banking institution organized under the laws of any State, territory or the District of Columbia, the business of which is substantially confined to banking and is supervised by the State or territorial banking commission or similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statement, a copy of which is attached hereto.
 
	
            ____
 	
            Savings and Loan.  The Buyer (a) is a savings and loan association, building and loan association, cooperative bank, homestead association or similar institution, which is supervised and examined by a State or Federal authority having supervision over any such institutions or is a foreign savings and loan association or equivalent institution and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements.
 
	
            ____
 	
            Broker-dealer.  The Buyer is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934.
 

_________________________

1      Buyer must own and/or invest on a discretionary basis at least $100,000,000 in securities unless Buyer is a dealer, and, in that case, Buyer must own and/or invest on a discretionary basis at least $10,000,000 in securities.

 

 

 

 

	
            ____
 	
            Insurance Company.  The Buyer is an insurance company whose primary and predominant business activity is the writing of insurance or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or a similar official or agency of a State, territory or the District of Columbia.
 
	
            ____
 	
            State or Local Plan.  The Buyer is a plan established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees.
 
	
            ____
 	
            ERISA Plan.  The Buyer is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974.
 
	
            ____
 	
            Investment Adviser.  The Buyer is an investment adviser registered under the Investment Advisers Act of 1940.
 
	
            ____
 	
            SBIC.  The Buyer is a Small Business Investment Company licensed by the U.S. Small Business Administration under Section 301(c) or (d) of the Small Business Investment Act of 1958.
 
	
            ____
 	
            Business Development Company.  The Buyer is a business development company as defined in Section 202(a)(22) of the Investment Advisers Act of 1940.
 
	
            ____
 	
            Trust Fund.  The Buyer is a trust fund whose trustee is a bank or trust company and whose participants are exclusively (a) plans established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees, or (b) employee benefit plans within the meaning of Title I of the Employee Retirement Income Security Act of 1974, but is not a trust fund that includes as participants individual retirement accounts or H.R. 10 plans.
 

3. The term “securities” as used herein does not include (i) securities of issuers that are affiliated with the Buyer, (ii) securities that are part of an unsold allotment to or subscription by the Buyer, if the Buyer is a dealer, (iii) bank deposit notes and certificates of deposit, (iv) loan participations, (v) repurchase agreements, (vi) securities owned but subject to a repurchase agreement and (vii) currency, interest rate and commodity swaps.

4. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Buyer, the Buyer used the cost of such securities to the Buyer and did not include any of the securities referred to in the preceding paragraph.  Further, in determining such aggregate amount, the Buyer may have included securities owned by subsidiaries of the Buyer, but only if such subsidiaries are consolidated with the Buyer in its financial statements prepared in accordance with generally accepted accounting principles and if the investments of such subsidiaries are managed under the Buyer’s direction.  However, such securities were not included if the Buyer is a majority-owned, consolidated subsidiary of another enterprise and the Buyer is not itself a reporting company under the Securities Exchange Act of 1934.

 

 

5. The Buyer acknowledges that it is familiar with Rule 144A and understands that the seller to it and other parties related to the Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Buyer may be in reliance on Rule 144A.

	
            ___
 	
            ___
 	
            Will the Buyer be purchasing the Rule 144A
 
	
            Yes
 	
            No
 	
            Securities only for the Buyer’s own account?
 

6. If the answer to the foregoing question is “no”, the Buyer agrees that, in connection with any purchase of securities sold to the Buyer for the account of a third party (including any separate account) in reliance on Rule 144A, the Buyer will only purchase for the account of a third party that at the time is a “qualified institutional buyer” within the meaning of Rule 144A.  In addition, the Buyer agrees that the Buyer will not purchase securities for a third party unless the Buyer has obtained a current representation letter from such third party or taken other appropriate steps contemplated by Rule 144A to conclude that such third party independently meets the definition of “qualified institutional buyer” set forth in Rule 144A.

7. The Buyer will notify each of the parties to which this certification is made of any changes in the information and conclusions herein.  Until such notice is given, the Buyer’s purchase of Rule 144A Securities will constitute a reaffirmation of this certification as of the date of such purchase.

 

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Print Name of Buyer 

 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Date:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            
 
 
 

 

 

 

 

ANNEX 2 TO EXHIBIT G-3

QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

[FOR BUYERS THAT ARE REGISTERED INVESTMENT COMPANIES]

The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached:

1. As indicated below, the undersigned is the President, Chief Financial Officer or Senior Vice President of the Buyer or, if the Buyer is a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act of 1933 (“Rule 144A”) because Buyer is part of a Family of Investment Companies (as defined below), is such an officer of the Adviser.

2. In connection with purchases by Buyer, the Buyer is a “qualified institutional buyer” as defined in SEC Rule 144A because (i) the Buyer is an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Buyer alone, or the Buyer’s Family of Investment Companies, owned at least $100,000,000 in securities (other than the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year.  For purposes of determining the amount of securities owned by the Buyer or the Buyer’s Family of Investment Companies, the cost of such securities was used.

	
            ____
 	
            The Buyer owned $_______________ in securities (other than the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year (such amount being calculated in accordance with Rule 144A).
 
	
            ____
 	
            The Buyer is part of a Family of Investment Companies which owned in the aggregate $____________ in securities (other than the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year (such amount being calculated in accordance with Rule 144A).
 

3. The term “Family of Investment Companies” as used herein means two or more registered investment companies (or series thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other).

4. The term “securities” as used herein does not include (i) securities of issuers that are affiliated with the Buyer or are part of the Buyer’s Family of Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii) loan participations, (iv) repurchase agreements, (v) securities owned but subject to a repurchase agreement and (vi) currency, interest rate and commodity swaps.

5. The Buyer is familiar with Rule 144A and understands that each of the parties to which this certification is made are relying and will continue to rely on the statements made herein because one or more sales to the Buyer will be in reliance on Rule 144A.  In addition, the Buyer will only purchase for the Buyer’s own account.

 

 

6. The undersigned will notify each of the parties to which this certification is made of any changes in the information and conclusions herein.  Until such notice, the Buyer’s purchase of Rule 144A Securities will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase.

 

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Print Name of Buyer
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            IF AN ADVISER:
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Print Name of Buyer
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Date:
 	
            
 
 
 

 

 

 

 

EXHIBIT G-4

FORM OF TRANSFEROR CERTIFICATE

______________, 200__

Opteum Mortgage Acceptance Corporation

W. 115 Century Road

Paramus, New Jersey 07652

HSBC Bank USA, National Association

452 Fifth Avenue

New York, New York 10018

Attention: Opteum Mortgage Acceptance Corporation Series 2005-5

	
             
 	
            Re:
 	
            
Opteum Mortgage Acceptance Corporation Asset-Backed Pass-Through Certificates Series 2005-5, Class R
 
 

 

Ladies and Gentlemen:

This letter is delivered to you in connection with the sale by ________________________________________________________________ (the “Seller”) to __________________________________________ (the “Purchaser”) of a ____% Percentage Interest in the Asset-Backed Pass-Through Certificates, Series 2005-5, Class R Certificates (the “Certificates”), issued pursuant to Section 5.02 of the Pooling and Servicing Agreement (the “Pooling and Servicing Agreement”) dated as of November 1, 2005, among Opteum Mortgage Acceptance Corporation, as company (the “Company”), Wells Fargo Bank, National Association, as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”) and HSBC Bank USA, National Association, as trustee (the “Trustee”).  All terms
used herein and not otherwise defined shall have the meaning set forth in the Pooling and Servicing Agreement.  The Seller hereby certifies, represents and warrants to, and covenants with, the Company and the Trustee that:

1.            No purpose of the Seller relating to the sale of the Certificates by the Seller to the Purchaser is or will be to impede the assessment or collection of any tax.

2.           The Seller understands that the Purchaser has delivered to the Trustee and the Master Servicer a transfer affidavit and agreement in the form attached to the Pooling and Servicing Agreement as Exhibit E-5.  The Seller does not know or believe that any representation contained therein is false.

3.           The Seller has at the time of the transfer conducted a reasonable investigation of the financial condition of the Purchaser as contemplated by Treasury Regulations Section 1.860E-1(c)(4)(i) and, as a result of that investigation, the Seller has determined that the Purchaser has historically paid its debts as they have become due and has found no significant evidence to indicate that the Purchaser will not continue to pay its debts as they become due in the future.  The Seller understands that the transfer of the Certificates may not be respected for United States income tax purposes (and the Seller may continue to be liable 

 

for United States income taxes associated therewith) unless the Seller has conducted such an investigation.

4.           The Seller has no actual knowledge that the proposed Transferee is a Disqualified Organization, an agent of a Disqualified Organization or a Non-United States Person.

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Very truly yours,

 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            (Seller)

 

 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 

 

 

 

 

EXHIBIT G-5

FORM OF TRANSFER AFFIDAVIT AND AGREEMENT

	
            STATE OF
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF
 	
            )
 	
             
 

 

___________________, being first duly sworn, deposes, represents and warrants:

1.           That he/she is [Title of Officer] of [Name of Owner], a [savings institution] [corporation] duly organized and existing under the laws of [the State of __________] [the United States], (the “Owner”), (record or beneficial owner of the Class R Certificates (the “Class R Certificates”) on behalf of which he/she makes this affidavit and agreement). This Class R Certificates were issued pursuant to the Pooling and Servicing Agreement (the “Pooling and Servicing Agreement”) dated as of November 1, 2005 among Opteum Mortgage Acceptance Corporation, as company, Wells Fargo Bank, National Association, as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities
Administrator”), and HSBC Bank USA, National Association, as trustee (the “Trustee”).

2.           That the Owner (i) is not and will not be a “disqualified organization” as of _____________ [date of transfer] within the meaning of Section 860E(e)(5) of the Internal Revenue Code of 1986, as amended (the “Code”), (ii) will endeavor to remain other than a disqualified organization for so long as it retains its ownership interest in the Class R Certificates, and (iii) is acquiring the Class R Certificates for its own account or for the account of another Owner from which it has received an affidavit and agreement in substantially the same form as this affidavit and agreement.  (For this purpose, a “disqualified organization” means the United States, any state or political subdivision thereof, any agency or instrumentality of any of the foregoing (other
than an instrumentality all of the activities of which are subject to tax and, except for Freddie Mac, a majority of whose board of directors is not selected by any such governmental entity) or any foreign government, international organization or any agency or instrumentality of such foreign government or organization, any rural electric or telephone cooperative, or any organization (other than certain farmers’ cooperatives) that is generally exempt from federal income tax unless such organization is subject to the tax on unrelated business taxable income).

3.           That the Owner is aware (i) of the tax that would be imposed on transfers of Class  R Certificates to disqualified organizations under the Code, that applies to all transfers of Class R  Certificates after March 31, 1988; (ii) that such tax would be on the transferor, or, if such transfer  is through an agent (which person includes a broker, nominee or middleman) for a disqualified  organization, on the agent; (iii) that the person otherwise liable for the tax shall be relieved of liability for the tax if the transferee furnishes to such person an affidavit that the transferee is not a disqualified organization and, at the time of transfer, such person does not have actual knowledge that the affidavit is false; and (iv) that the Class R Certificates may be “noneconomic
residual interests” within the meaning of Treasury regulations promulgated pursuant to the Code and that the transferor of a noneconomic residual interest will remain liable for any taxes due 

 

with respect to the income on such residual interest, unless no significant purpose of the transfer was to impede the assessment or collection of tax.

4.           That the Owner is aware of the tax imposed on a “pass-through entity” holding Class R Certificates if at any time during the taxable year of the pass-through entity a disqualified organization is the record holder of an interest in such entity.  (For this purpose, a “pass through entity” includes a regulated investment company, a real estate investment trust or common trust fund, a partnership, trust or estate, and certain cooperatives.)

5.           That the Owner is aware that the Trustee will not register the transfer of any Class R Certificates unless the transferee, or the transferee’s agent, delivers to it an affidavit and agreement, among other things, in substantially the same form as this affidavit and agreement.  The Owner expressly agrees that it will not consummate any such transfer if it knows or believes that any of the representations contained in such affidavit and agreement are false.

6.           That the Owner has reviewed the restrictions set forth on the face of the Class R Certificates and the provisions of Section 5.02(f) of the Pooling and Servicing Agreement under which the Class R Certificates were issued (in particular, clause (iii)(A) and (iii)(B) of Section 5.02(f) which authorize the Trustee to deliver payments to a person other than the Owner and negotiate a mandatory sale by the Trustee in the event the Owner holds such Certificates in violation of Section 5.02(f)).  The Owner expressly agrees to be bound by and to comply with such restrictions and provisions.

7.           That the Owner consents to any additional restrictions or arrangements that shall be deemed necessary upon advice of counsel to constitute a reasonable arrangement to ensure that the Class R Certificates will only be owned, directly or indirectly, by an Owner that is not a disqualified organization.

	
             
 	
            8.
 	
            The Owner’s Taxpayer Identification Number is _____________________.
 

9.           This affidavit and agreement relates only to the Class R Certificates held by the owner and not to any other holder of the Class R Certificates.  The Owner understands that the liabilities described herein relate only to the Class R Certificates.

10.         That no purpose of the Owner relating to the transfer of any of the Class R Certificates by the Owner is or will be to impede the assessment or collection of any tax.

11.         That the Owner has no present knowledge or expectation that it will be unable to pay any United States taxes owed by it so long as any of the Certificates remain outstanding.  In this regard, the Owner hereby represents to and for the benefit of the person from whom it acquired the Class R Certificate that the Owner intends to pay taxes associated with holding such Class R Certificate as they become due, fully understanding that it may incur tax liabilities in excess of any cash flows generated by the Class R Certificate.

12.         That the Owner has no present knowledge or expectation that it will become insolvent or subject to a bankruptcy proceeding for so long as any of the Class R Certificates remain outstanding.

 

 

13.         The Owner is a citizen or resident of the United States, a corporation, partnership or other entity created or organized in, or under the laws of, the United States or any political subdivision thereof, provided that with respect to any partnership or other entity treated as a partnership for United States federal income tax purposes, all persons that own an interest in such partnership either directly or through any entity that is not a corporation for United States federal income tax purposes are required by the applicable operative agreement to be United States Persons, or an estate or trust whose income from sources without the United States is includible in gross income for United States federal income tax purposes regardless of its connection with the conduct of a trade or business
within the United States.

14.         (a) The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) or other retirement arrangement, including individual retirement accounts and annuities, Keogh plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to ERISA or Section 4975 of the Internal Revenue Code of 1986 (the “Code”) (any of the foregoing, a “Plan”), (ii) are not being acquired with “plan assets” of a Plan within the meaning of the Department of Labor (“DOL”) regulation, 29 C.F.R. § 2510.3-101 or
otherwise under ERISA, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation, 29 C.F.R. § 2510.3-101 or otherwise under ERISA; or

(b) The Owner will provide the Trustee with an opinion of counsel, as specified in Section 5.02(c) of the Pooling and Servicing Agreement, acceptable to and in form and substance satisfactory to the Trustee to the effect that the purchase of Certificates is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under ERISA or Section 4975 of the Code and will not subject the Trustee, the Company, the Securities Administrator or the Master Servicer to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in the Pooling and Servicing Agreement.

In addition, the Owner hereby certifies, represents and warrants to, and covenants with, the Company, the Trustee, the Securities Administrator and the Master Servicer that the Owner will not transfer such Certificates to any Plan or person unless either such Plan or person meets the requirements set forth in either (a) or (b) above.

Capitalized terms used but not defined herein shall have the meanings assigned in the Pooling and Servicing Agreement.

 

 

IN WITNESS WHEREOF, the Owner has caused this instrument to be executed on its behalf, by its [Title of Officer] and its corporate seal to be hereunto attached, attested by its [Assistant] Secretary, this ______ day of _____________, _____.

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            [NAME OF OWNER]
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            [Name of Officer]
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            [Title of Officer]
 

 

	
             
 	
             
 
	
            [Corporate Seal]

ATTEST:

____________________________________

[Assistant] Secretary
 	
             
 

 

Personally appeared before me the above-named [Name of Officer], known or proved to me to be the same person who executed the foregoing instrument and to be the [Title of Officer] of the Owner, and acknowledged to me that such person executed the same as such person’s free act and deed and the free act and deed of the Owner.

Subscribed and sworn before me this ____ day of ___________, 200__.

 

 

	
             
 	
            
 
 
 
	
             
 	
            Notary Public
 
	
             
 	
             
 
	
             
 	
            COUNTY OF_________________________
 
	
             
 	
            STATE OF___________________________
 
	
             
 	
            My Commission expires the ____ day of __________, 200__.

 
 

 

 

 

 

EXHIBIT H

MORTGAGE LOAN SCHEDULE

(FILED MANUALLY)

(In accordance with Rule 202 of Regulation S-T, this Mortgage Loan Schedule, is being filed in paper pursuant to a continuing hardship exemption.)

 

 

EXHIBIT I

[RESERVED]

 

 

EXHIBIT J

[RESERVED]

 

 

EXHIBIT K

FORM OF ASSIGNMENT AGREEMENT

This Assignment, Assumption and Recognition Agreement (the “AAR Agreement”) is made and entered into as of November 29, 2005 (the “Closing Date”), among Opteum Acceptance Corporation (the “Assignor”), HSBC Bank USA, National Association, as trustee for the holders of Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5 (the “Assignee”) and Opteum Financial Services, LLC, f/k/a Home Star Mortgage Services, LLC (the “Company”).

Whereas, Wells Fargo Bank, N.A. (the “Master Servicer”) and the Company entered into that certain Servicing Agreement, dated as of March 5, 2004 (the “Cenlar Servicing Agreement”), pursuant to which the Company agreed to service certain mortgage loans (the “Cenlar Mortgage Loans”) for the benefit of the Assignee; and 

Whereas, the Assignor and the Company entered into that certain Servicing Agreement, dated as of March 5, 2004 (the “Option One Servicing Agreement”, together with the Cenlar Servicing Agreement, the “Servicing Agreements”), pursuant to which the Company agreed to service certain other mortgage loans (the “Option One Mortgage Loans”, together with the Cenlar Mortgage Loans, the “Mortgage Loans”) on behalf of the Assignor. 

In consideration of the mutual promises and agreements contained herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree that the Mortgage Loans listed on Attachment 1 annexed hereto (the “Assigned Loans”) shall be subject to the terms of this AAR Agreement.  Any capitalized term used and not otherwise defined herein shall have the meaning assigned to such term in the Servicing Agreements or the Pooling and Servicing Agreement (as defined below).

Assignment and Assumption

1.           Except as expressly provided for herein, the Assignor hereby grants, transfers and assigns to the Assignee all of its right, title and interest as in, to and under the Assigned Loans, and as they relate to the Assigned Loans, the Servicing Agreements.  Notwithstanding anything to the contrary contained herein, the Assignor is not assigning to the Assignee any of its right, title and interest, to and under the Servicing Agreements with respect to any other mortgage loan other than the Assigned Loans.  Except as is otherwise expressly provided herein, the Assignor makes no representations, warranties or covenants to the Assignee and the Assignee acknowledges that the Assignor has no obligations to the Assignee under the terms of the Servicing Agreements or otherwise relating to the
transaction contemplated herein (including, but not limited to, any obligation to indemnify the Assignee).  

Assignor acknowledges and agrees that upon execution of this Agreement, with respect to the Assigned Loans, all representations, warranties and covenants by the Company under the Servicing Agreements shall accrue to Assignee by virtue of this Agreement.

 

 

Representations, Warranties and Covenants

2.           Assignor warrants and represents to, and covenants with, Assignee and Company as of the date hereof that:

	
            a.
 	
            Attached hereto as Attachment 2 are true and correct copies of the Servicing Agreements, which Servicing Agreements are 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 was the lawful owner of the Assigned Loans with full right to transfer the Assigned Loans and any and all of its interests, rights and obligations under the Servicing Agreements as they relate to the Assigned Loans, free and clear from any and all claims and encumbrances; and upon the transfer of the Assigned Loans to Assignee as contemplated herein, Assignee shall have good title to each and every Assigned Loan, as well as any and all of Assignee’s interests, rights and obligations under the Servicing Agreements as they relate to the Assigned Loans, free and clear of any and all liens, claims and encumbrances;
 
	
            c.
 	
            There are no offsets, counterclaims or other defenses available to the Company with respect to the Servicing Agreements;
 
	
            d.
 	
            Assignor has no knowledge of, and has not received notice of, any waivers under, or any modification of, any Assigned Loan;
 
	
            e.
 	
            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 acquire, own and sell the Assigned Loans;
 

 

 

 

 

	
            f.
 	
            Assignor has full corporate power and authority to execute, deliver and perform its obligations under this AAR Agreement, and to consummate the transactions set forth herein. The consummation of the transactions contemplated by this AAR 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 AAR Agreement and the consummation by it of the transactions contemplated
hereby, have been duly authorized by all necessary corporate action on part of Assignor. This AAR Agreement has been duly executed and delivered by Assignor and, upon the due authorization, execution and delivery by Assignee and the 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; 
 
	
            g.
 	
            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 AAR Agreement, or the consummation by it of the transactions contemplated hereby. Neither Assignor nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Assigned Loans or any interest in the Assigned Loans, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Assigned Loans, or any interest in the Assigned Loans or otherwise approached or negotiated with respect to the Assigned Loans, or any interest in the Assigned Loans with any Person in any manner, or made any general solicitation by means of
general advertising or in any other manner, or taken any other action which would constitute a distribution of the Assigned Loans under the Securities Act of 1933, as amended (the “1933 Act”) or which would render the disposition of the Assigned Loans a violation of Section 5 of the 1933 Act or require registration pursuant thereto; and
 
	
            h.
 	
            There is no action, suit, proceeding, investigation or litigation pending or, to Assignor's knowledge, threatened, which either in any instance or in the aggregate, if determined adversely to Assignor, would adversely affect Assignor's execution or delivery of, or the enforceability of, this AAR Agreement, or the Assignor's ability to perform its obligations under this AAR Agreement.
 

3.           The Assignee warrants and represents to, and covenants with, the Assignor and the Company as of the date hereof that:

	
            a.
 	
            Assignee is duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization and has all requisite power and authority to hold the Assigned Loans as trustee on behalf of the holders of Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5;
 

 

 

 

 

	
            b.
 	
            Assignee has full power and authority to execute, deliver and perform its obligations under this AAR Agreement, and to consummate the transactions set forth herein. The consummation of the transactions contemplated by this AAR Agreement is in the ordinary course of Assignee’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Assignee’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Assignee 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 Assignee or its property is subject. The execution, delivery and performance by Assignee of this AAR Agreement and the consummation by it of the transactions contemplated hereby, have
been duly authorized by all necessary corporate action on part of Assignee. This AAR Agreement has been duly executed and delivered by Assignee and, upon the due authorization, execution and delivery by Assignor and the 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;
 
	
            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 Assignee in connection with the execution, delivery or performance by Assignee of this AAR Agreement, or the consummation by it of the transactions contemplated hereby; 
 
	
            d.
 	
            There is no action, suit, proceeding, investigation or litigation pending or, to Assignee's knowledge, threatened, which either in any instance or in the aggregate, if determined adversely to Assignee, would adversely affect Assignee's execution or delivery of, or the enforceability of, this AAR Agreement, or the Assignee's ability to perform its obligations under this AAR Agreement; and
 
	
            e.
 	
            Assignee assumes for the benefit of each of Assignor and Company all of Assignor’s rights under the Servicing Agreements but solely with respect to the Assigned Loans.
 

4.            Company warrants and represents to, and covenants with, Assignee and Assignor, as of the date hereof, that:

	
            a.
 	
            Attached hereto as Attachment 2 are true and accurate copies of the Servicing Agreements, which agreements are 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.
 	
            Company is duly organized, validly existing and in good standing under the laws of the jurisdiction of its formation, and has all requisite power and authority to service the Assigned Loans and otherwise to perform its obligations under the Servicing Agreements;
 
	
            c.
 	
            Company has full power and authority to execute, deliver and perform its obligations under this AAR Agreement, and to consummate the transactions set forth herein. The consummation of the transactions contemplated by this AAR Agreement is in the ordinary course of Company’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Company’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Company 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 Company or its property is subject. The execution, delivery and performance by Company of this AAR Agreement and the consummation by it of the transactions contemplated hereby, have been
duly authorized by all necessary corporate action on part of Company. This AAR Agreement has been duly executed and delivered by Company, and, upon the due authorization, execution and delivery by Assignor and Assignee, will constitute the valid and legally binding obligation of Company, enforceable against Company 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;
 
	
            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 Company in connection with the execution, delivery or performance by Company of this AAR Agreement, or the consummation by it of the transactions contemplated hereby; 
 
	
            e.
 	
            Company shall establish a Custodial Account and an Escrow Account under the Servicing Agreements in favor of Assignee with respect to the Assigned Loans separate from the Custodial Account and Escrow Account previously established under the Servicing Agreements in favor of Assignor; 
 
	
            f.
 	
            Pursuant to Section 6.01 of the Cenlar Servicing Agreement, the Company hereby restates the representations and warranties set forth in Section 6.01 of the Cenlar Servicing Agreement with respect to the Company; and
 
	
            g.
 	
            Neither this AAR Agreement nor any certification, statement, report or other agreement, document or instrument furnished or to be furnished by the Company pursuant to this AAR Agreement contains or will contain any materially untrue statement of fact or omits or will omit to state a fact necessary to make the statements contained therein not misleading.
 

 

 

 

5.           Assignor hereby agrees to indemnify and hold the Assignee (and its successors and assigns) harmless against any and all claims, losses, penalties, fines, forfeitures, legal fees and related costs, judgments, and any other costs, fees and expenses that Assignee (and its successors and assigns) may sustain in any way related to any breach of the representations or warranties of Assignor set forth in this AAR Agreement or the breach of any covenant or condition contained herein.

Recognition of Assignee

6.            From and after the date hereof, Company shall recognize Assignee as owner of the Assigned Loans, and acknowledges that the Assigned Loans will be part of a REMIC, and will service the Assigned Loans in accordance with the Servicing Agreements but in no event in a manner that would (i) cause any REMIC to fail to qualify as a REMIC or (ii) result in the imposition of a tax upon any REMIC (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code). It is the intention of Assignor, Company and Assignee that this AAR Agreement shall be binding upon and for the benefit of the respective successors and assigns of the parties hereto. Neither Company nor
Assignor shall amend or agree to amend, modify, waiver, or otherwise alter any of the terms or provisions of the Servicing Agreements which amendment, modification, waiver or other alteration would in any way affect the Assigned Loans without the prior written consent of Assignee.

	
             
 	
            7.
 	
            Modification of Servicing Agreements:
 

The Company and Assignor hereby amend the Option One Servicing Agreement as follows:

a.            The definition of “Custodial Account” shall be deleted and replaced with the following definition: 

Custodial Account:     The separate demand account or accounts created and maintained pursuant to Section 4.04 which shall be entitled “Opteum Financial Services, LLC Custodial Account in trust for HSBC Bank USA, National Association, as trustee for the holders of Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5” and shall be established at a Qualified Depository.

b.           The definition of “Custodial Agreement” shall be amended by deleting the date “March 1, 2004” and replacing it with the date “November 1, 2005”.  

c.            The definition of “Effective Date”shall be amended by deleting the date “March 5, 2004” and replacing it with the date “November 29, 2005”.

d.           The definition of “Escrow Account” shall be deleted and replaced with the following definition:

Escrow Account:          The separate trust account or accounts created and maintained pursuant to Section 4.06 which shall be entitled “Opteum 

 

Financial Services, LLC Escrow Account in trust for HSBC Bank USA, National Association, as trustee for the holders of Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5” and shall be established at a Qualified Depository.

e.            The definition of “Mortgage Loan Schedule” shall be deleted and replaced with the following definition:

Mortgage Loan Schedule:        The schedule of Mortgage Loans attached as Attachment 1 to the Assignment, Assumption and Recognition Agreement, dated as of November 29, 2005, among Opteum Mortgage Acceptance Corp., HSBC Bank USA, National Association, as trustee for the holders of Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5 and Opteum Financial Services, LLC.

f.            The definition of “Remittance Date” shall be amended by deleting the date “April 16, 2004” and replacing it with the date “May 18, 2005”.

g.           The following definitions shall be added to Section 1.01 of the Option One Servicing Agreement:

Balloon Mortgage Loan:  A Mortgage Loan that provides for the payment of the unamortized principal balance of such Mortgage Loan in a single payment at the maturity of such Mortgage Loan that is substantially greater than the preceding monthly payment.

Balloon Payment:  A payment of the unamortized principal balance of a Mortgage Loan in a single payment at the maturity of such Mortgage Loan that is substantially greater than the preceding Monthly Payment.

h.           The following sentence shall be added following the first sentence in Section 5.03 of the Option One Servicing Agreement:

For purposes of the preceding sentence, the Monthly Payment on each Balloon Mortgage Loan with a delinquent Balloon Payment is equal to the assumed monthly payment that would have been due on the related Due Date based on the original principal amortization schedule for the such Balloon Mortgage Loan.  

i.             Section 10.02 of the Option One Servicing Agreement shall be deleted in its entirety.

The Company and Assignor hereby amend the Cenlar Servicing Agreement as follows:

a.            The following sentence shall be added following the first sentence in Section 4.03 of the Cenlar Servicing Agreement:

For purposes of the preceding sentence, the Monthly Payment on each Balloon Securitized Loan with a delinquent Balloon Payment is equal to the assumed monthly payment that would have been due on the related 

 

Due Date based on the original principal amortization schedule for the such Balloon Securitized Loan.  

b.            Subsection 7.04(d) of the Cenlar Servicing Agreement shall be deleted in its entirety. 

Miscellaneous

8.           All demands, notices and communications related to the Assigned Loans, the Servicing Agreements and this AAR 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 Company,
 	
             
 
	
             
 	
             
 	
             
 
	
             
 	
             
 	
            Opteum Financial Services, LLC
 
	
             
 	
             
 	
            W. 115 Century Road
 
	
             
 	
             
 	
            Paramus, New Jersey 07652
 
	
             
 	
             
 	
             
 
	
            b.
 	
            In the case of Assignor,
 	
             
 
	
             
 	
             
 	
             
 
	
             
 	
             
 	
            Opteum Mortgage Acceptance Corporation
 
	
             
 	
             
 	
            W. 115 Century Road
 
	
             
 	
             
 	
            Paramus, New Jersey 07652
 
	
             
 	
             
 	
             
 
	
            c.
 	
            In the case of Assignee,
 	
             
 
	
             
 	
             
 	
             
 
	
             
 	
             
 	
            HSBC Bank USA, National Association
 
	
             
 	
             
 	
            as Trustee
 
	
             
 	
             
 	
            452 Fifth Avenue
 
	
             
 	
             
 	
            New York, New York 10018
 
	
             
 	
             
 	
            Attention: OMAC 2005-5
 
	
             
 	
             
 	
            Telecopier No.:  (212) 525-1300
 
				

 

9.           The Company hereby acknowledges that Wells Fargo Bank, N.A. (the “Master Servicer”) has been appointed as the master servicer of the Assigned Loans pursuant to the Pooling and Servicing Agreement, dated as of November 1, 2005, among the Assignor, the Assignee and the Master Servicer, and therefor has the right to enforce all obligations of the Company, as they relate to the Assigned Loans, under the Servicing Agreements.  Each reference to the Owner in the Option One Servicing Agreement shall be a reference to the Assignee.  Such right will include, without limitation, the right to terminate the Company under the Servicing Agreements upon the occurrence of an event of default thereunder, the right to receive all remittances required to be made by the Company under the
Servicing Agreements, the right to receive all monthly reports and other data required to be delivered by the Company under the Servicing Agreements, the right to examine the books and records of the Company, indemnification rights, and the right to exercise certain rights of consent and approval relating to actions taken by the Company.  The Company shall make all distributions under the Servicing 

 

Agreements, as they relate to the Assigned Loans, to the Master Servicer by wire transfer of immediately available funds to:

 

OMAC Trust 2005-5

Wells Fargo Bank, N.A.

ABA# 121000248

SAS Clearing 

Account # 3970771416

For Further Credit to: OMAC 2005-5, Account # _________

 

and the Company shall deliver all reports required to be delivered under the Servicing Agreements, as they relate to the Assigned Loans, to the Assignee at the address set forth in Section 8 herein and to the Master Servicer at:

	
             
 	
             
 	
            Wells Fargo Bank, N.A.
 
	
             
 	
             
 	
            9062 Old Annapolis Road
 
	
             
 	
             
 	
            Columbia, Maryland 21045
 
	
             
 	
             
 	
            Attention: OMAC 2005-5
 

10.         THIS AAR AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO CONFLICTS OF LAW PRINCIPLES, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

11.         No term or provision of this AAR 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.

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

13.         This AAR Agreement shall survive the conveyance of the Assigned Loans, the assignment of the Servicing Agreements to the extent of the Assigned Loans by Assignor to Assignee and the termination of the Servicing Agreements.

14.         This AAR 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.

15.         In the event that any provision of this AAR Agreement conflicts with any provision of the Servicing Agreements with respect to the Assigned Loans, the terms of this AAR Agreement shall control.

 

 

IN WITNESS WHEREOF, the parties hereto have executed this AAR Agreement on the date first above written.

	
            OPTEUM MORTGAGE ACCEPTANCE CORPORATION, the Assignor
 	
            HSBC BANK USA, NATIONAL ASSOCIATION, as trustee for the holders of Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5,
 
	
             
 	
            the Assignee
 
	
             
 	
             
 
	
            By:___________________________________
 	
            By: ___________________________________
 
	
            Its: ___________________________________
 	
            Its: ___________________________________
 
	
             
 	
             
 
	
            OPTEUM FINANCIAL SERVICES, LLC,

the Company
 	
             
 
	
             
 	
             
 
	
            By: __________________________________
 	
             
 
	
            Its: __________________________________
 	
             
 
	
             
 	
             

	
            Acknowledged and Agreed:

WELLS FARGO BANK, N.A.

 
 	
             

	
            By: __________________________________
 	
             

	
            Its: __________________________________
 	
             

 

 

 

Attachment I

 

Assigned Loans

 

 

Attachment II

 

Servicing Agreements

 

 

EXHIBIT L-1

FORM CERTIFICATION TO BE PROVIDED BY THE MASTER SERVICER

WITH FORM 10-K

	
             
 	
            Re:
 	
            
Opteum Mortgage Acceptance Corporation, 
 Asset-Backed Pass-Through Certificates, Series 2005-5
 
 

 

I, [Identify the certifying individual], certify that:

1.           I have reviewed this annual report on Form 10-K, and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by this annual report, of Opteum Mortgage Acceptance Corporation;

2.           Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report;

3.           Based on my knowledge, the distribution or servicing information required to be provided to the trustee by the servicer under the pooling and servicing, or similar, agreement, for inclusion in these reports is included in these reports;

4.           I am responsible for reviewing the activities performed by the servicer under the pooling and servicing, or similar, agreement and based upon my knowledge and the annual compliance review required under that agreement, and except as disclosed in the reports, the servicer has fulfilled its obligations under that agreement; and

5.           The reports disclose all significant deficiencies relating to the servicer’s compliance with the minimum servicing standards based upon the report provided by an independent public accountant, after conducting a review in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar procedure, as set forth in the pooling and servicing, or similar, agreement, that is included in these reports.

In giving the certifications above, I have reasonably relied on information provided to me by the following unaffiliated parties: [the Trustee and Sub-Servicers]

Date: __________________

_______________________

[Signature]

[Title]

[Company]

 

 

EXHIBIT L-2

FORM CERTIFICATION TO BE

PROVIDED TO MASTER SERVICER BY THE TRUSTEE

	
             
 	
            Re:
 	
            
Opteum Mortgage Acceptance Corporation, 
 Asset-Backed Pass-Through Certificates, Series 2005-5
 
 

 

I, [Identify the certifying individual], a [______________] of HSBC Bank USA, National Association, as Trustee, hereby certify to Wells Fargo Bank, National Association and its officers, directors and affiliates, and with the knowledge and intent that they will rely upon this certification, that:

1.           I have reviewed the annual report on Form 10-K for the fiscal year [__], and all reports on Form 8-K containing distribution reports filed in respect of periods included in the year covered by that annual report, of the Issuer relating to the above-referenced trust;

2.           Based on my knowledge, the information in these distribution reports prepared by the Trustee, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by that annual report; and

3.           Based on my knowledge, the distribution information required to be provided by the Trustee under the Agreement is included in these distribution reports.

Capitalized terms used but not defined herein have the meanings ascribed to them in the Pooling and Servicing Agreement, dated November 1, 2005 (the “Agreement”), among Opteum Mortgage Acceptance Corporation, as Company, Wells Fargo Bank, National Association, (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”), and HSBC Bank USA, National Association, as Trustee.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            HSBC Bank USA, National Association, as Trustee
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
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EXHIBIT L-3

FORM CERTIFICATION TO BE

PROVIDED TO THE TRUSTEE BY THE MASTER SERVICER

	
             
 	
            Re:
 	
            
Opteum Mortgage Acceptance Corporation, 
 Asset-Backed Pass-Through Certificates, Series 2005-5
 
 

 

I, [Identify the certifying individual], a [_________________] of Wells Fargo Bank, National Association, as Master Servicer, hereby certify to HSBC Bank USA, National Association and its officers, directors and affiliates, and with the knowledge and intent that they will rely upon this certification, that:

1.           Based on my knowledge, the distribution information required to be provided by the Trustee under the Agreement is included in these distribution reports.

Capitalized terms used but not defined herein have the meanings ascribed to them in the Pooling and Servicing Agreement, dated November 1, 2005 (the “Agreement”), among Opteum Mortgage Acceptance Corporation, as Company, Wells Fargo Bank, National Association,  (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”), and HSBC Bank USA, National Association, as Trustee.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Wells Fargo Bank, National Association, as Master Servicer

 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
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EXHIBIT M-1

CENLAR SERVICING AGREEMENT

SERVICING AGREEMENT FOR ALT-A LOANS

THIS SERVICING AGREEMENT (this “Agreement”), entered into as of the 5th day of March, 2004, by and among HOME STAR MORTGAGE SERVICES, LLC, a Delaware corporation (“Home Star”), in its capacity as seller (the “Seller”), Home Star, in its capacity as servicer (the “Servicer”) and WELLS FARGO BANK, NATIONAL ASSOCIATION, as master servicer (the “Master Servicer”), recites and provides as follows:

RECITALS

WHEREAS, Home Star owns and services certain residential Mortgage Loans (the “Mortgage Loans”);

WHEREAS, CENLAR FSB, a federal savings bank (the “Sub-Servicer”) sub-services certain of the Mortgage Loans for Home Star pursuant to that certain Sub-Servicing Agreement, dated as of March 1, 2004, by and between Home Star and the Sub-Servicer, (the “Superseded Sub-Servicing Agreement”);

WHEREAS, Home Star, as Seller, from time to time may convey certain of the Mortgage Loans, on a servicing-retained basis, to one or more Trusts, as defined herein, under one or more Trust Agreements, as defined herein, in connection with a Pass-Through Transfer, as defined herein, with Wells Fargo Bank, National Association as the Master Servicer;

WHEREAS, upon the Effective Date, as defined herein, of any such Pass-Through Transfer, the Mortgage Loans shall become Securitized Loans, as defined herein;

WHEREAS, in connection with any such Pass-Through Transfer, the Seller and the Master Servicer desire that the Servicer service any Securitized Loans pursuant to this Agreement, and the Servicer has agreed to do so, subject to the rights of the Seller and the Master Servicer to terminate the rights and obligations of the Servicer hereunder as provided herein;

WHEREAS, the Master Servicer shall be obligated under each Trust Agreement, among other things, to supervise the servicing of the Securitized Loans subject to the Trust Agreement on behalf of the related Trust, and shall have the right to terminate the rights and obligations of the Servicer under this Agreement or under the Agreement relating to specified Securitized Loans upon the occurrence and continuance of an Event of Default as provided herein;

WHEREAS, the Seller, the Servicer and the Master Servicer intend that the NIMs Insurer and each Trustee be a third party beneficiary of this Agreement;

WHEREAS, the Seller and the Servicer acknowledge and agree that the Seller will assign all of its rights and delegate all of its obligations hereunder with regard to specified Securitized Loans (exclusive of the Seller’s rights and obligations as owner of the servicing rights relating to such Securitized Loans) to the related Trust or Trustee, and that each reference herein to the 

 

Seller with regard to specified Securitized Loans is intended, unless otherwise specified, to mean the Seller or such Trust or Trustee, as assignee of the specified Securitized Loans;

WHEREAS, this Agreement shall supersede the Superseded Sub-Servicing Agreement in its entirety with respect to any Securitized Loans;

WHEREAS, the parties hereto mutually acknowledge and agree that, pursuant to Section 7.04 of this Agreement, the Sub-Servicer will contemporaneously herewith enter into a Sub-Servicing Acknowledgment Agreement (the “Sub-Servicing Agreement”) of even date herewith, pursuant to which the Sub-Servicer will sub-service the Securitized Loans on behalf of the Servicer in accordance with the terms of this Agreement and will have the benefit of certain rights of the Servicer under this Agreement, other than those under Section 7.04 hereof.

NOW, THEREFORE, in consideration of the mutual agreements hereinafter set forth and for other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the Master Servicer, the Seller and the Servicer hereby agree as follows:

 

 

ARTICLE I.

DEFINITIONS

The following terms are defined as follows (except as otherwise agreed in writing by the parties):

Accepted Servicing Practices:  With respect to any Securitized Loan, those mortgage servicing practices that prudent mortgage lending institutions would employ in servicing their own portfolio of mortgage loans of the same type as the Securitized Loans in the jurisdiction where the related Mortgaged Property is located, giving due consideration to customary and usual standards of practice of mortgage lenders and loan servicers administering similar mortgage loans.

Adjustable Rate Securitized Loan:  A Securitized Loan under which the Mortgage Interest Rate is adjusted from time to time in accordance with the terms and provisions of the related Mortgage Note.

Adverse REMIC Event: Taking (or causing to be taken) any action, or failure to take (or failure 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 such REMIC as a REMIC or (ii) result in the imposition of a tax upon such REMIC (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on prohibited contributions set forth on Section 860G(d) of the Code).

Advancing Person:  As defined in Section 4.03 hereof.

Agreement:  This Servicing Agreement and all amendments hereof and supplements hereto.

Ancillary Income:  All income derived from the Securitized Loans (other than the (i) Servicing Fee or (ii) Prepayment Charges or Servicer Prepayment Charge Payment Amounts attributable to the Securitized Loans), including but not limited to late charges, penalty interest, any interest paid on funds deposited in the Custodial Account and Escrow Account (other than interest on escrowed funds required by law to be paid to the Mortgagor), fees received with respect to checks or bank drafts returned by the related bank for non-sufficient funds, assumption fees, modification fees, optional insurance administrative fees and all other incidental fees and charges.

Assignment of Mortgage:  An assignment of a Mortgage, notice of transfer or equivalent instrument in recordable form, sufficient under the laws of the jurisdiction wherein the related Mortgaged Property is located to reflect the transfer of such Mortgage to the party indicated therein, which assignment, notice of transfer or equivalent instrument may be in the form of one or more blanket assignments covering the Securitized Loans secured by Mortgaged Properties located in the same jurisdiction, if permitted by law.

Balloon Securitized Loan:  Any Securitized Loan that by its original terms or by virtue of any modification provides for an amortization schedule extending beyond its originally 

 

scheduled Maturity Date and which has a final scheduled payment that is proportionately large in comparison to other scheduled payments.

Balloon Payment:  The final scheduled payment in respect of a Balloon Securitized Loan.

Business Day:  Any day other than (i) a Saturday or Sunday or (ii) a day on which banking and savings and loan institutions in the States of New York, Maryland, Minnesota and, with respect to any Trust, the jurisdiction in which the related Trustee conducts its trust business, are authorized or obligated by law or executive order to be closed.

Certificates:  Any or all of the certificates or other securities issued pursuant to a Trust Agreement.

Certificate Registrar:  The registrar appointed pursuant to the Trust Agreement.

Closing Date:  The actual date of closing of any Pass-Through Transfer, without regard to the Effective Date thereof.

Code:  The Internal Revenue Code of 1986, as it may be amended from time to time or any successor statute thereto, and applicable U.S. Department of the Treasury regulations issued pursuant thereto.

Condemnation Proceeds:  All awards of settlements in respect of a Mortgaged Property, whether permanent or temporary, partial or entire, by exercise of the power of eminent domain or condemnation, to the extent not required to be released to a Mortgagor in accordance with the terms of the related Securitized Loan documents.

Conventional Loan:  A conventional residential first or second lien fixed or adjustable rate Securitized Loan that is neither FHA insured nor VA guaranteed.

Costs:  For any Person, any claims, losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments, and other costs and expenses of such Person.

Credit Risk Manager:  With respect to Securitized Loans covered by a Trust Agreement, any credit risk manager or loss mitigation advisor under such Trust Agreement.

Custodial Account:  The account created and maintained by the Servicer pursuant to Section 3.03.

Custodial Agreement:  With respect to Securitized Loans covered by a Trust Agreement, the custodial agreement relating to custody of such Securitized Loans between a Custodian and the related Trustee, as acknowledged by the Servicer, dated as of the related Effective Date.

Custodian:  A custodian of Securitized Loans under any Custodial Agreement.

Delinquent:  For reporting purposes, a Securitized Loan is “delinquent” when any payment contractually due thereon has not been made by the close of business on the Due Date 

 

therefor.  Such Securitized Loan is “30 days Delinquent” if such payment has not been received by the close of business on the corresponding day of the month immediately succeeding the month in which such payment was first due, or, if there is not such corresponding day (e.g., as when a 30-day month follows a 31-day month in which a payment was due on the 31st day of such month), then on the last day of such immediately succeeding month.  Similarly for “60 days Delinquent” and the second immediately succeeding month and “90 days Delinquent” and the third immediately succeeding month.

Determination Date:  With respect to each Remittance Date, the 15th day of the month in which such Remittance Date occurs, or, if such 15th day is not a Business Day, the immediately preceding Business Day.

Depositor: With respect to Securitized Loans covered by a Trust Agreement , the Person to which the Seller transfers Mortgage Loans, or any successor in interest to such Person, which Person in turn transfers such Mortgage Loans to a Trustee in a Pass-Through Transfer.

Distressed Securitized Loan:  As of any Effective Date, any related Securitized Loan that was Delinquent in payment for a period of 90 days or more as of the first calendar day of the month in which such Effective Date occurs, without giving effect to any grace period permitted by the related Mortgage Note or for which the Servicer has accepted a deed in lieu of foreclosure.  No Securitized Loan shall be considered delinquent for the purpose of this definition by virtue of the related Mortgagor having made payment to the prior servicer.

Due Date:  The day of the calendar month on which the Monthly Payment is due on a Securitized Loan, exclusive of any days of grace.  With respect to the Securitized Loans for which payment from the Mortgagor is due on a day other than the first day of the calendar month, such Securitized Loans will be treated as if the Monthly Payment is due on the first day of the immediately succeeding month.

Due Period:  With respect to each Remittance Date, the period commencing on the second day of the month immediately preceding the month of the Remittance Date and ending on the first day of the month of the Remittance Date.

Effective Date:  The effective date of any Pass-Through Transfer as set forth in the Transfer Notice.

Eligible Investments:  Any one or more of the obligations and securities listed below which investment provides for a date of maturity not later than the Determination Date in each month:

(i)          direct obligations of, and obligations fully guaranteed as to timely payment of principal and interest by, the United States of America or any agency or instrumentality of the United States of America the obligations of which are backed by the full faith and credit of the United States of America, including Federal Housing Administration debentures, but excluding any of such securities whose terms do not provide for a payment of a fixed dollar amount upon maturity or call for redemption (“Direct Obligations”) and Freddie Mac senior debt obligations;

 

 

(ii)         federal funds, or demand and time deposits in, certificates of deposits of, or bankers’ acceptances issued by, any depository institution or trust company (including U.S. subsidiaries of foreign depositories, a Trustee, the Master Servicer or any agent of a Trustee or the Master Servicer, acting in its respective commercial capacity) incorporated or organized under the laws of the United States of America or any state thereof and subject to supervision and examination by federal or state banking authorities, so long as at the time of investment or the contractual commitment providing for such investment the commercial paper or other short term debt obligations of such depository institution or trust company (or, in the case of a depository institution or trust company which is the principal
subsidiary of a holding company, the commercial paper or other short term debt or deposit obligations of such holding company or deposit institution, as the case may be) have been rated by each related Rating Agency in its highest short-term rating category or one of its two highest long-term rating categories;

(iii)        repurchase agreements collateralized by direct obligations of, or securities guaranteed by, Ginnie Mae or Freddie Mac with any registered broker/dealer subject to Securities Investors’ Protection Corporation jurisdiction or any commercial bank insured by the FDIC, if such broker/dealer or bank has an uninsured, unsecured and unguaranteed obligation rated by each related Rating Agency in its highest short-term rating category;

(iv)        securities bearing interest or sold at a discount issued by any corporation incorporated under the laws of the United States of America or any state thereof which have a credit rating from each related Rating Agency, at the time of investment or the contractual commitment providing for such investment, at least equal to one of the two highest long term credit rating categories of each related Rating Agency; provided, however, that securities issued by any particular corporation will not be Eligible Investments to the extent that investment therein will cause the then outstanding principal amount of securities issued by such corporation and held as part of the Custodial Account to exceed 20% of the aggregate principal amount of all Eligible Investments in the Custodial Account; provided, further, that such
securities will not be Eligible Investments if they are published as being under review with negative implications from any Rating Agency;

(v)         commercial paper (including both non-interest-bearing discount obligations and interest bearing obligations payable on demand or on a specified date not more than 180 days after the date of issuance thereof) rated by each related Rating Agency in its highest short-term rating category;

	
             
 	
            (vi)
 	
            a Qualified GIC (as defined in the Trust Agreement);
 

(vii)        certificates or receipts representing direct ownership interests in future interest or principal payments on obligations of the United States of America or its agencies or instrumentalities (which obligations are backed by the full faith and credit of the United States of America) held by a custodian in safekeeping on behalf of the holders of such receipts; and

(viii)        any other demand, money market, common trust fund or time deposit or obligation, or interest bearing or other security or investment, rated in the highest rating category by each related Rating Agency.  Such investments in this subsection (viii) may include money market mutual funds or common trust funds, including any fund for which a Trustee, the Master 

 

Servicer or any affiliate thereof serves as an investment advisor, administrator, shareholder servicing agent, and/or custodian or subcustodian, notwithstanding that (x) the related Trustee, the Master Servicer or any affiliate thereof charges and collects fees and expenses from such funds for services rendered, (y) a Trustee, the Master Servicer or any affiliate thereof charges and collects fees and expenses for services rendered pursuant to this Agreement or a Trust Agreement, and (z) services performed for such funds and pursuant to this Agreement may converge at any time;

provided, however, that no such instrument shall be an Eligible Investment if such instrument evidences either (i) a right to receive only interest payments with respect to the obligations underlying such instrument, or (ii) both principal and interest payments derived from obligations underlying such instrument and the principal and interest payments with respect to such instrument provide a yield to maturity of greater than 120% of the yield to maturity at par of such underlying obligations.

Errors and Omissions Insurance:  Errors and Omissions Insurance to be maintained by the Servicer in accordance with the Master Servicing Guide.

Escrow Account:  The separate account or accounts created and maintained pursuant to Section 3.05.

Escrow Payments:  With respect to any Securitized Loan, the amounts constituting ground rents, taxes, assessments, water rates, sewer rents, municipal charges, mortgage insurance premiums, fire and hazard insurance premiums, condominium charges, and any other payments required to be escrowed by the Mortgagor with the mortgagee pursuant to the Mortgage or any other document.

Event of Default:  Any of the events which may result in a termination for cause set forth in Section 8.01.

Fannie Mae:  The Federal National Mortgage Association, or any successor thereto.

FDIC:  The Federal Deposit Insurance Corporation, or any successor thereto.

FHA:  The Federal Housing Administration, an agency within HUD or any successor thereto and including the Federal Housing Commissioner and the Secretary of HUD where appropriate under the FHA Regulation.

Fidelity Bond:  A fidelity bond to be maintained by the Servicer in accordance with the Master Servicing Guide.

Fixed Rate Securitized Loan:  Any Securitized Loan as to which the Mortgage Interest Rate set forth in the Mortgage Note is fixed for the term of such Securitized Loan.

Final Recovery Determination:  With respect to any defaulted Securitized Loan or any REO Property (other than any Securitized Loan or REO Property repurchased from the Trust), a determination made by the Servicer that all Insurance Proceeds, Liquidation Proceeds and other 

 

payments or recoveries which the Servicer, in its reasonable good faith judgment, expect to be finally recoverable in respect thereof have been so recovered.

Fitch:  Fitch, Inc., or any successor in interest.

Freddie Mac:  The Federal Home Loan Mortgage Corporation, or any successor thereto.

Ginnie Mae:  The Government National Mortgage Association, or any successor thereto.

Holder or Certificateholder:  The registered owner of any Certificate as recorded on the books of the Certificate Registrar provided for in the related Trust Agreement.

Home Star:  As defined in the first paragraph of this Agreement.

Homestar Mortgage Securities Trusts:  One or more trusts to be formed by a Trust Agreement as part of a Pass-Through Transfer, pursuant to each of which a numbered series of Certificates will be issued.

HUD:  The Department of Housing and Urban Development, or any federal agency or official thereof which may from time to time succeed to the functions thereof with regard to FHA Mortgage Insurance.  The term “HUD,” for purposes of this Agreement, is also deemed to include subdivisions thereof such as the FHA and Ginnie Mae.

Insurance Proceeds:  With respect to each Securitized Loan, proceeds of insurance policies insuring the Securitized Loan or the related Mortgaged Property, including, but not limited to, proceeds from any PMI Policy, to the extent any such proceeds are not to be applied to the restoration and repair of the related Mortgaged Property or released to the Mortgagor in accordance with the procedures that the Servicer would follow in servicing mortgage loans for its own account, subject to the terms and conditions of the related Mortgage Note and Mortgage.

Issuer:  The issuer of any Certificates pursuant to the Trust Agreement.

LIBOR:  The three-month London InterBank Offered Rate as published in the Wall Street Journal on the first Business Day of the month of any Remittance Date.

Liquidation Proceeds:  Cash received in connection with the liquidation of a defaulted Securitized Loan, whether through the sale or assignment of such Securitized Loan, trustee’s sale, foreclosure sale or otherwise, or the sale of the related REO Property, if the Mortgaged Property is acquired in satisfaction of the Securitized Loan.

Master Servicer:  With respect to each Trust Agreement, Wells Fargo Bank, National Association, or any successor in interest, or if any successor Master Servicer shall be appointed as provided in such Trust Agreement, then such successor Master Servicer.

Master Servicing Guide:  The Wells Fargo Bank, N.A. Master Servicing Guide, original dated January, 1997, as amended July, 2001, and all amendments or additions thereto, including as amended hereby.

 

 

MERS:  Mortgage Electronic Registration Systems, Inc., a Delaware corporation, or any successor in interest thereto.

MERS Eligible Securitized Loan:  Any Securitized Loan that has been designated by the Servicer as recordable in the name of MERS, as nominee.

MERS Securitized Loan:  Any Securitized Loan as to which the related Mortgage, or an Assignment of Mortgage, has been or will be recorded in the name of MERS, as nominee for the holder from time to time of the related Mortgage Note.

Monthly Advance:  With respect to each Remittance Date and each Securitized Loan, an amount equal to the Monthly Payment (with the interest portion of such Monthly Payment adjusted to the Securitized Loan Remittance Rate) that was due on the Securitized Loan, and that was Delinquent at the close of business on the first day of the month in which such Remittance Date occurs, but only to the extent that such amount is expected, in the reasonable judgment of the Servicer, to be recoverable from collections or other recoveries (including Liquidation Proceeds and Insurance Proceeds) in respect of such Securitized Loan.  To the extent that the Servicer determines that any such amount is not recoverable from collections or other recoveries in respect of such Securitized Loan, such determination shall be evidenced by a certificate of a Servicing Officer delivered to the Master Servicer setting
forth such determination and the procedures and considerations of the Servicer forming the basis of such determination.

Monthly Payment:  The scheduled monthly payment of principal and interest on a Securitized Loan.

Moody’s:  Moody’s Investors Service, Inc. or any successor in interest.

Mortgage:  The mortgage, deed of trust or other instrument securing a Mortgage Note, which creates a first or second lien on a fee simple estate in real property securing the Mortgage Note.

Mortgage Interest Rate:  The annual rate of interest borne on a Mortgage Note net of any Relief Act Reduction.

Mortgage Note:  The original, executed note or other evidence of the indebtedness of a Mortgagor secured by a Mortgage.

Mortgaged Property:  The real property securing repayment of the debt evidenced by a Mortgage Note.

Mortgagor:  The obligor on a Mortgage Note.

Net Sale Proceeds:  The proceeds from the sale of REO Property, net of all expenses and advances incurred by the Servicer in connection with such sale, including, without limitation, legal fees and expenses, referral fees, brokerage commissions, conveyance taxes and any other related expense.

 

 

Non-MERS Eligible Securitized Loan:  Any Securitized Loan other than a MERS Eligible Securitized Loan.

Non-MERS Securitized Loan:  Any Securitized Loan other than a MERS Securitized Loan.

Officer’s Certificate:  A certificate signed by the Chairman of the Board, the President or a vice president (however denominated), and by the Treasurer, the Secretary, or one of the assistant treasurers or assistant secretaries of the Servicer, the Master Servicer or the Seller, as applicable.

Opinion of Counsel:  A written opinion of counsel, who may be an employee of the Servicer, reasonably acceptable to the related Trustee, the Master Servicer, and the Seller, provided that any Opinion of Counsel relating to qualification of the Securitized Loans in a REMIC or compliance with the REMIC Provisions must be an opinion of counsel acceptable to the related Trustee, the Master Servicer,  and the Seller, who (i) is in fact independent of the Seller and the Servicer, (ii) does not have any material direct or indirect financial interest in either the Seller or the Servicer or any affiliate of any such entity and (iii) is not connected with either the Seller or the Servicer as an officer, employee, director or person performing similar functions.

Pass-Through Transfer:  The sale or transfer by Home Star of some or all of the Securitized Loans to a Depositor for transfer to a Trust to be formed as part of a publicly-issued and/or privately placed, rated or unrated, mortgage pass-through transaction or similar transaction, in each case in which Home Star is retained as a Servicer thereunder, with Wells Fargo Bank, National Association as the Master Servicer.

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

PMI Insurer:  Any Qualified Insurer issuing a PMI Policy with respect to a Securitized Loan.

PMI Policy:  A policy of primary mortgage guaranty insurance issued by a Qualified Insurer, as required by this Agreement and the Trust Agreement with respect to certain Securitized Loans.

Prepayment Charge:  With respect to any Securitized Loan and Remittance Date, the charges or premiums, as specified in the Prepayment Charge Schedule, if any, due in connection with a full or partial prepayment of such Securitized Loan during the immediately preceding Prepayment Period in accordance with the terms thereof (but excluding any Servicer Prepayment Charge Payment Amount).

Prepayment Charge Schedule:  A data field in the schedule of Securitized Loans to be attached to the Transfer Notice, the form of which is attached hereto as Exhibit A, which sets forth the amount of the Prepayment Charge and the term during which the Prepayment Charge is imposed with respect to a Securitized Loan.

 

 

Prepayment Interest Shortfall Amount:  With respect to any Securitized Loan that was subject to a Principal Prepayment in full or in part during any Due Period, which Principal Prepayment was applied to such Securitized Loan prior to such Securitized Loan’s Due Date in such Due Period, the amount of interest that would have accrued on the amount of such Principal Prepayment during the period commencing on the date as of which such Principal Prepayment was applied to such Securitized Loan and ending on the day immediately preceding such Due Date, inclusive.

Prepayment Period:  With respect to each Remittance Date and any full or partial Principal Prepayments, the calendar month immediately preceding the month in which the related Remittance Date occurs.

Principal Prepayment:  Any payment by a Mortgagor of principal (other than a Balloon Payment) or other recovery of principal on a Securitized Loan that is recognized as having been received or recovered in advance of its scheduled Due Date and applied to reduce the principal balance of the Securitized Loan in accordance with the terms of the Mortgage Note.

Qualified Depository:  With respect to each Pass-Through Transfer, any of (i) a depository the accounts of which are insured by the FDIC (to the limits established by such corporation) and the debt obligations of which are rated P-1 (or its equivalent) or better by each Rating Agency rating the related Certificates; or (ii) the corporate trust department of any bank the debt obligations of which are rated A-2 (or its equivalent) or better by each such Rating Agency.

Qualified Insurer:  A mortgage guaranty insurance company duly authorized and licensed where required by law to transact mortgage guaranty insurance business and approved as an insurer by Freddie Mac and Fannie Mae.

Qualifying Substitute Mortgage Loan:  A mortgage loan permitted under the terms of a Trust Agreement to be substituted for a related Securitized Loan.

Rating Agency:  With respect to Certificates issued by or in connection with a Trust, any of Fitch, Moody’s or S&P which assigns a rating to such Certificates, and their successors.  If such agencies or their successors are no longer in existence, “Rating Agencies” shall be such nationally recognized statistical rating agencies, or other comparable Person, designated by the Seller, written notice of which designation shall be given to the related Trustee, the Master Servicer and the Servicer.

Relief Act Reduction:  With respect to any Securitized Loan as to which there has been a reduction in the amount of the interest collectible thereon as a result of the application of the Servicemembers Civil Relief Act, any amount by which interest collectible on such Securitized Loan for the Due Date in the related Due Period is less than the interest accrued thereon for the applicable one-month period at the Mortgage Interest Rate without giving effect to such reduction.

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

 

 

Remittance Date:  The 18th day (or if such 18th day is not a Business Day, the first Business Day immediately preceding Business Day) of any calendar month.

REO Disposition:  The final sale or other disposition by the Servicer of any REO Property.

REO Disposition Proceeds:  All amounts received with respect to an REO Disposition pursuant to Section 3.12.

REO Property:  A Mortgaged Property acquired by the Servicer on behalf of the Trust through foreclosure or by deed in lieu of foreclosure pursuant to Section 3.12 hereof.

Residual Certificate:  Any residual certificate or “Class R” Certificate issued under any Trust Agreement.

S&P:  Standard & Poor’s Rating Services, a division of The McGraw Hill Companies, Inc., or any successor in interest.

Securitized Loan:  An individual Mortgage Loan that from time to time becomes subject to this Agreement pursuant to a Pass-Through Transfer, each Securitized Loan subject to this Agreement being identified on a schedule to the Transfer Notice, the form of which is attached as Exhibit A hereto, which Securitized Loan includes without limitation the Securitized Loan documents, the Monthly Payments, Principal Prepayments, Liquidation Proceeds, Condemnation Proceeds, Insurance Proceeds, REO Disposition Proceeds, and all other rights, benefits, proceeds and obligations arising from or in connection with such Securitized Loan.

Securitized Loan Remittance Rate:  With respect to each Securitized Loan, the annual rate of interest remitted to the Master Servicer, which shall be equal to the Mortgage Interest Rate minus the Servicing Fee Rate.

Securitized Loan Schedule:  The schedule of Securitized Loans to be attached to the Transfer Notice, a form of which is attached hereto as Exhibit A, setting forth information with respect to such Securitized Loans as agreed to by the Seller, the Servicer and the Master Servicer, including, but not limited to (i)  any MERS identification number (if available) with respect to each MERS Securitized Loan or MERS Eligible Securitized Loan, (ii) a data field indicating whether such Securitized Loan is insured under a PMI Policy and identifying the related Qualified Insurer, (iii) a Prepayment Charge Schedule and (iv) the Servicing Fee Rate.

Servicer:  Home Star or its successor in interest or assigns or any successor to the Servicer under this Agreement as herein provided.

Servicer Prepayment Charge Payment Amount:  The amount payable by the Servicer in respect of any waived Prepayment Charges pursuant to Section 3.15 hereof.

Servicing Advances:  All customary, reasonable and necessary “out of pocket” costs and expenses other than Monthly Advances (including reasonable attorneys’ fees and disbursements) incurred in the performance by the Servicer of its servicing obligations, including, but not limited to, the cost of (a) the preservation, inspection, restoration and protection of the Mortgaged 

 

Property, (b) any enforcement of administrative or judicial proceedings, including foreclosures, (c) the management and liquidation of the Mortgaged Property (including costs incurred in connection with environmental inspections or other related costs of foreclosure of Mortgaged Property potentially contaminated by hazardous or toxic substance or wastes in accordance with Section 3.12 hereof) if the Mortgaged Property is acquired in satisfaction of the Mortgage, (d) taxes, assessments, water rates, sewer rents and other charges which are or may become a lien upon the Mortgaged Property, and PMI Policy premiums and fire and hazard insurance coverage and (e) any losses sustained by the Servicer with respect to the liquidation of the Mortgaged Property.

Servicing Fee:  With respect to each Due Period and any Securitized Loan, an amount equal to one-twelfth the product of (i) the Servicing Fee Rate and (ii) the Scheduled Balance of such Securitized Loan as of the related Determination Date.  The obligation of the Trustee to pay the Servicing Fee is limited to, and the Servicing Fee is payable solely from, the interest portion (including recoveries with respect to interest from Liquidation Proceeds to the extent permitted by Section 3.02 of this Agreement) of such Monthly Payments collected by the Servicer, or as otherwise provided under this Agreement, and the Servicing Fee is subject to reduction for compensating interest under Section 4.04 hereof.

Servicing Fee Rate:  The servicing fee rate, stated as either a number of basis points or as a percentage, for each Securitized Loan, as reflected in the schedule of Securitized Loans to be attached to the Transfer Notice, the form of which is attached hereto as Exhibit A.

Servicing File:  The items pertaining to a particular Securitized Loan including, but not limited to, the computer files, data disks, books, records, data tapes, notes, and all additional documents generated as a result of or utilized in originating and/or servicing each Securitized Loan, which are held in trust for the related Trust by the Servicer.

Servicing Officer:  Any officer of the Servicer involved in or responsible for, the administration and servicing of the Securitized Loans whose name appears on a list of servicing officers furnished by the Servicer to the Master Servicer upon request, as such list may from time to time be amended.

Sub-Servicer:  Cenlar FSB, a federal savings bank, pursuant to the Sub-Servicing Agreement, or its successor in interest.

Sub-Servicing Agreement:  That certain Sub-Servicing Acknowledgment Agreement of even date with this Agreement, by and between the Servicer and the Sub-Servicer.

Superseded Sub-Servicing Agreement:  That certain Sub-Servicing Agreement, dated as of March 1, 2004, by and between Home Star and the Sub-Servicer.

Transfer Notice:  The Transfer Notice referred to in Section 2.01 hereof, in the form attached hereto as Exhibit A.

Trust:  The trust established by the Trust Agreement, the assets of which consist of the transferred Securitized Loans and any other assets provided for in the related Trust Agreement.

 

 

Trust Agreement:  Any trust agreement, pooling and servicing agreement, indenture or comparable documents by and among some or all of the Issuer, the Master Servicer, the Depositor and a Trustee (and which may include other parties) creating a Trust and/or otherwise effectuating a Pass-Through Transfer.

Trustee:  Any trustee or trust with respect to the transferred Securitized Loans in any Pass-Through Transfer, or any successor in interest, or if any successor trustee or co-trustee shall be appointed as provided in the Trust Agreement, then such successor trustee or such co-trustee, as the case may be.

VA:  The Veterans Administration, an agency of the United States of America, or any successor thereto, including the Administration of Veterans Affairs.

Any capitalized terms used and not defined in this Agreement shall have the meanings ascribed to such terms in the related Trust Agreement specified in the Transfer Notice.

 

 

ARTICLE II.

PASS- THROUGH TRANSFERS; SELLER’S ENGAGEMENT OF SERVICER TO

PERFORM SERVICING RESPONSIBILITIES

	
             
 	
            Section 2.01
 	
            Pass-Through Transfers.
 

(a)         The Seller and the Servicer agree that from time to time the Seller shall effect the sale or transfer of some or all of the Mortgage Loans to a Trust to be formed as part of a Pass-Through Transfer.  The Servicer shall cooperate with the Seller in connection with any Pass-Through Transfer contemplated by the Seller pursuant to this Section 2.01, including without limitation providing requested information and reports to, and otherwise cooperating with, any Credit Risk Manager.  In connection therewith, the Servicer shall provide to the Seller and any Trustee, Trust, Depositor, underwriter, initial purchaser, NIMs Insurer or Credit Risk Manager in connection with a Pass-Through Transfer, as the case may be: (i) any and all information and appropriate verification of information which may be
reasonably available to the Servicer, including the Servicer’s foreclosure, delinquency experience and the Servicer’s underwriting standards, whether through letters of its auditors and counsel or otherwise, as such parties shall reasonably request; and (ii) such additional representations, warranties, covenants, opinions of counsel, letters from auditors, and certificates of public officials or officers of the Servicer as are reasonably believed necessary by the Seller and any Trustee, Trust, Depositor, underwriter, initial purchaser, NIMs Insurer or Credit Risk Manager, as the case may be, in connection with such Pass-Through Transfer.  The Servicer shall indemnify the Depositor for any material misstatements or omissions or alleged material misstatements or omissions contained in the information provided pursuant to this Section 2.01(a). The Seller shall provide the Servicer with a Transfer Notice with respect to any such Pass-Through Transfer, including a schedule of
Mortgage Loans which have been transferred, the Effective Date of the Pass-Through Transfer and the name and address of the related Trustee.  Upon the Effective Date of such a Pass-Through Transfer, (A) the Servicer and the Seller agree that the provisions of this Agreement shall go into effect with respect to the Securitized Loans to which the Transfer Notice relates, and (B) the Servicer agrees to recognize the Trustee and Trust with respect to the transferred Mortgage Loans in the Pass-Through Transfer, or the Master Servicer acting on their behalf, as having the same rights under this Agreement as the Seller with respect to such transferred Mortgage Loans, including without limitation the right to terminate the Servicer under this Agreement.

	
             
 	
            Section 2.02
 	
            Contract for Servicing; Possession of Servicing Files.
 

The Seller, by execution and delivery of this Agreement, does hereby contract with the Servicer, subject to the terms of this Agreement, for the servicing of the Securitized Loans.  On or before each Closing Date, the Seller shall cause to be delivered to the Servicer or to the Sub-Servicer the Servicing Files with respect to the Securitized Loans listed in the schedule attached to the applicable Transfer Notice.  Each Servicing File delivered to the Servicer shall be held in trust by the Servicer for the benefit of the Trust; provided, however, that the Servicer shall have no liability for any Servicing Files (or portions thereof) not delivered by the Seller.  The Servicer’s possession of any portion of the Securitized Loan documents shall be on behalf of the Trust for the sole purpose of facilitating servicing of the related Securitized Loan pursuant to 

 

this Agreement, and such retention and possession by the Servicer shall be in a custodial capacity only.  The ownership of each Mortgage Note, Mortgage, and the contents of the Servicing File shall be vested in the Trust and the ownership of all records and documents with respect to the related Securitized Loan prepared by or which come into the possession of the Servicer shall immediately vest in the Trust and shall be retained and maintained, in trust, by the Servicer on behalf of the Trust in such custodial capacity only.  The portion of each Servicing File retained by the Servicer pursuant to this Agreement shall be segregated from the other books and records of the Servicer and shall be appropriately marked to clearly reflect the ownership of the related Securitized Loan by the Trust.  The Servicer shall release from its custody the contents of any Servicing File retained by it only in accordance with
this Agreement.

	
             
 	
            Section 2.03
 	
            Books and Records.
 

(a)         Subject to Section 3.01(a) hereof, as soon as practicable after the Closing Date or the date on which a Qualifying Substitute Mortgage Loan is delivered pursuant to a Trust Agreement, as applicable (but in no event more than 90 days thereafter except to the extent delays are caused by the applicable recording office), the Servicer, at the expense of the Seller, shall cause the Mortgage or Assignment of Mortgage, as applicable, with respect to each related MERS Eligible Securitized Loan, to be properly recorded in the name of MERS in the public recording office in the applicable jurisdiction, or shall ascertain that such have previously been so recorded.

(b)        Subject to Section 3.01(a) hereof, an Assignment of Mortgage in favor of the Trustee on behalf of the Trust shall be recorded as to each Non-MERS Securitized Loan, unless instructions to the contrary are delivered to the Servicer, in writing, by the Trustee, or the Servicer obtains an Opinion of Counsel that recordation of such Assignment of Mortgage is not required.  Subject to the preceding sentence, as soon as practicable after the Closing Date (but in no event more than 90 days thereafter except to the extent delays are caused by the applicable recording office), the Servicer, at the expense of the Seller, shall cause such related Assignment of Mortgage to be properly recorded in each public recording office where such Non-MERS Eligible Securitized Loans are recorded, unless the Servicer obtains an
Opinion of Counsel that recordation of such an Assignment of Mortgage is not required.

(c)         Additionally, the Servicer shall prepare and execute, at the direction of the Trustee, any note endorsements relating to any of the related Non-MERS Securitized Loans.

(d)         All rights arising out of the Securitized Loans shall be vested in the related Trust, subject to the Servicer’s right to service and administer the Securitized Loans hereunder in accordance with the terms of this Agreement.  All funds received on or in connection with a Securitized Loan, other than the Servicing Fee and other compensation to which the Servicer is entitled as set forth herein, including but not limited to that compensation as set forth in Section 5.01 below, shall be received and held by the Servicer in trust for the benefit of the related Trust pursuant to the terms of this Agreement.

(e)         Any out-of-pocket costs incurred by the Servicer pursuant to this Section 2.03 and Section 3.01(a), including any recording or other fees in connection with the Servicer’s obtaining the necessary powers of attorney (and which are specified herein to be an expense of the Seller), 

 

shall be reimbursed to the Servicer by the Seller within five (5) Business Days of receipt by the Seller of an invoice for reimbursement.  The Trust shall not reimburse the Seller for any such reimbursement to the Servicer.

 

 

ARTICLE III.

SERVICING OF THE SECURITIZED LOANS

	
             
 	
            Section 3.01
 	
            Servicer to Service.
 

The Servicer, as an independent contractor, shall service and administer the Securitized Loans from and after the Closing Date and shall have full power and authority, acting alone, to do any and all things in connection with such servicing and administration which the Servicer may deem necessary or desirable, consistent with the terms of this Agreement and with Accepted Servicing Practices.  The Servicer may designate the sub-servicer to perform the obligations hereunder, provided that such designation shall not relieve the Servicer of such obligations.

The Seller  and the Servicer additionally agree as follows:

(a)        The Servicer shall (A) record or cause to be recorded the Mortgage or the Assignment of Mortgage, as applicable, with respect to all MERS Eligible Securitized Loans, in the name of MERS, or shall ascertain that such have previously been so recorded; (B) prepare or cause to be prepared all Assignments of Mortgage with respect to all Non-MERS Eligible Securitized Loans; (C) prepare for recording or cause to be recorded, subject to Section 2.03(b) hereof, all Assignments of Mortgage with respect to Non-MERS Securitized Loans in the name of the related Trust; (D) pay the recording costs pursuant to Section 2.03 hereof; and/or (E) track such Mortgages and Assignments of Mortgage to ensure they have been recorded.  The Servicer shall be entitled to be paid by the Seller its out-of-pocket costs for the
preparation and recordation of the Mortgages and Assignments of Mortgage.  After the expenses of such recording costs pursuant to Section 2.03 hereof shall have been paid by the Servicer, the Servicer shall submit to the Seller a reasonably detailed invoice for reimbursement of recording costs it incurred hereunder.

(b)         If applicable, the Servicer shall, in accordance with the relevant provisions of the Cranston-Gonzales National Affordable Housing Act of 1990, as the same may be amended from time to time, and the regulations provided in accordance with the Real Estate Settlement Procedures Act, provide notice to the Mortgagor of each Securitized Loan of the transfer of the servicing thereto to the Servicer.

(c)         The Servicer shall be responsible for the preparation of and costs associated with notifications to Mortgagors of the assumption of servicing by the Servicer.

Consistent with the terms of this Agreement and except as provided in Section 3.15 hereof, the Servicer may waive any late payment charge, assumption fee or other fee (other than a Prepayment Charge) that may be collected in the ordinary course of servicing the Securitized Loans.  The Servicer shall not make any future advances to any Mortgagor under any Securitized Loan, and (unless the Mortgagor is in default with respect to the Securitized Loan or such default is, in the judgment of the Servicer, reasonably foreseeable) the Servicer shall not permit any modification of any material term of any Securitized Loan, including any modification that would change the Mortgage Interest Rate, defer or forgive the payment of principal or interest, reduce or increase the outstanding principal balance (except for actual payments of principal) or change the final maturity date on such Securitized
Loan.  The NIMs Insurer’s prior written 

 

consent shall be required for any modification, waiver or amendment if the aggregate number of outstanding Securitized Loans which have been modified, waived or amended exceeds 5% of the number of Securitized Loans in the related Trust as of the Effective Date.  In the event of any such modification which permits the deferral of interest or principal payments on any Securitized Loan, the Servicer shall, on the Business Day immediately preceding the Remittance Date in any month in which any such principal or interest payment has been deferred, make a Monthly Advance in accordance with Section 4.03, in an amount equal to the difference between (a) such month’s principal and one month’s interest at the Securitized Loan Remittance Rate on the unpaid principal balance of such Securitized Loan and (b) the amount paid by the Mortgagor.  The Servicer shall be entitled to reimbursement for such advances
to the same extent as for all other advances made pursuant to Section 4.03.  The Servicer may permit modifications to a Securitized Loan, with the consent of the NIMs Insurer, which are authorized by the express terms of either an allonge to the related Mortgage Note or an addendum to the related Mortgage in existence as of the Effective Date. If Home Star wishes to make a modification to a Securitized Loan which is not permitted under this Section 3.01, then Home Star must repurchase such Securitized Loan from the related Trust on the terms and conditions provided in the Trust Agreement.  Without limiting the generality of the foregoing, the Servicer shall continue, and is hereby authorized and empowered, to execute and deliver on behalf of itself and the related Trust, all instruments of satisfaction or cancellation, or of partial or full release, discharge and all other comparable instruments, with respect to the Securitized Loans and with respect to the Mortgaged Properties.  Upon
the written request of the Servicer, the Trustee shall execute and deliver to the Servicer, within the later of fifteen days from the Closing Date or within fifteen days of such Servicer request, any powers of attorney (one for each county in which any of the Mortgaged Properties are located) and other documents, furnished to it by the Servicer and reasonably satisfactory to the Trustee, necessary or appropriate to enable the Servicer to carry out its servicing and administrative duties under this Agreement.

Notwithstanding anything in this Agreement to the contrary, the Servicer (a) shall not permit any modification with respect to any Mortgage Loan that would change the Mortgage Interest Rate and (b) shall not (unless the Mortgagor is in default with respect to the Mortgage Loan or such default is, in the judgment of the Servicer, reasonably foreseeable) make or permit any modification, waiver or amendment of any term of any Mortgage Loan that would both (i) effect an exchange or reissuance of such Mortgage Loan under Section 1001 of the Code (or Treasury regulations promulgated thereunder) and (ii) cause the Trust Fund to fail to qualify as a REMIC under the Code or the imposition of any tax on “prohibited transactions” or “contributions” after the startup date under the REMIC Provisions.

Prior to taking any action with respect to the Mortgage Loans which is not contemplated under the terms of this Agreement, the Servicer will obtain an Opinion of Counsel acceptable to the NIMs Insurer and the Trustee or the Master Servicer on its behalf with respect to whether such action could result in the imposition of a tax upon the REMIC (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code) (either such event, an “Adverse REMIC Event”), and the Servicer shall not take any such action or cause the Trust Fund to take any such action as to which it has been advised that an Adverse REMIC Event could occur.

 

 

The Servicer shall not permit the creation of any “interests” (within the meaning of Section 860G of the Code) in the REMIC. The Servicer shall not enter into any arrangement by which the REMIC will receive a fee or other compensation for services nor permit the REMIC to receive any income from assets other than “qualified mortgages” as defined in Section 860G(a)(3) of the Code or “permitted investments” as defined in Section 860G(a)(5) of the Code.

	
             
 	
            Section 3.02
 	
            Collection of Securitized Loan Payments.
 

Continuously from the Closing Date until the date each Securitized Loan ceases to be subject to this Agreement, the Servicer shall proceed diligently to collect all payments due under each of the Securitized Loans when the same shall become due and payable and shall take special care in ascertaining and estimating Escrow Payments and all other charges that will become due and payable with respect to the Securitized Loans and each related Mortgaged Property, to the end that the installments payable by the Mortgagors will be sufficient to pay such charges as and when they become due and payable.

	
             
 	
            Section 3.03
 	
            Establishment of and Deposits to Custodial Account.
 

(a)         The Servicer shall segregate and hold all funds collected and received pursuant to the Securitized Loans separate and apart from any of its own funds and general assets and shall establish and maintain for each related Trust a Custodial Account, in the form of a time deposit or demand account, titled “Home Star Mortgage Services, LLC in trust for [Name of Trust].”  The Custodial Account shall be established with a Qualified Depository.  Any funds deposited in the Custodial Account may be invested in Eligible Investments subject to the provisions of Section 3.11 hereof.  Funds deposited in the Custodial Account may be drawn on by the Servicer in accordance with Section 3.04 hereof.  The creation of the Custodial Account shall be evidenced by a letter agreement in the form of Exhibit B.  A
copy of such letter agreement shall be furnished to each Trustee, each NIMS Insurer and the Master Servicer.  The NIMs Insurer and the Trustee shall also be notified of any change in the location of the Custodial Account.

(b)         The Servicer shall deposit in the Custodial Account on a daily basis, and retain therein, the following collections received by the Servicer and payments made by the Servicer after the Closing Date:

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

(ii)          all payments on account of interest received on the Securitized Loans adjusted to the applicable Securitized Loan Remittance Rate;

(iii)        all Prepayment Charges received or any Servicer Prepayment Charge Payment Amounts to be paid by the Servicer to the related Trust;

	
             
 	
            (iv)
 	
            all Liquidation Proceeds;
 

(v)          all Insurance Proceeds (other than any amounts immediately applied to the restoration or repair of the Mortgaged Property or immediately released to the Mortgagor);

 

 

(vi)        all Condemnation Proceeds that are not applied to the restoration or repair of the Mortgaged Property or released to the Mortgagor;

(vii)       any Prepayment Interest Shortfall Amount required to be paid by the Servicer pursuant to Section 4.04;

(viii)     all Monthly Advances made by the Servicer or an Advancing Person pursuant to Section 4.03;

(ix)        any amounts required to be deposited by the Servicer in connection with the deductible clause in any blanket hazard insurance policy;

(x)         any amounts received with respect to or related to any REO Property or REO Disposition Proceeds;

(xi)         any amounts required to be deposited pursuant to Section 3.11 in connection with any losses realized on Eligible Investments with respect to funds held in the Custodial Account;

(xii)        any amounts required to be deposited by the Servicer pursuant to Section 3.16(a) in connection with any unpaid claims that are a result of a breach by the Servicer or any sub-servicer of its obligations hereunder or under a PMI Policy;

	
             
 	
            (xiii)
 	
            any amounts received by it under any PMI Policy; and
 

(xiv)       any other amount required hereunder to be deposited by the Servicer in the Custodial Account.

Notwithstanding the foregoing clause (viii), no Monthly Advances or Servicing Advances shall be required to be made by the Servicer if such Monthly Advance or Servicing Advance would, if made, be, in the Servicer’s reasonable judgment, nonrecoverable.  The determination by the Servicer that it has made a nonrecoverable Monthly Advance or Servicing Advance, or that any proposed Monthly Advance or Servicing Advance would be a nonrecoverable advance, shall be evidenced by an Officer’s Certificate of the Servicer delivered to the Master Servicer and the NIMs Insurer.

The foregoing requirements for deposit into the Custodial Account shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments in the nature of (i) late payment charges, penalty interest and insufficient fund charges, (ii) assumption and modification fees, (iii) other Ancillary Income and (iv) the Servicing Fee need not be deposited by the Servicer into the Custodial Account.

Any interest paid on funds deposited in the Custodial Account by the depository institution shall accrue to the benefit of the Servicer as additional servicing compensation and the Servicer shall be entitled to retain and withdraw such interest from the Custodial Account pursuant to Section 3.04 of this Agreement.  Additionally, any other benefit derived from the Custodial Account associated with the receipt, disbursement and accumulation of principal, 

 

interest, taxes, hazard insurance, mortgage insurance, etc. shall accrue for the benefit of the Servicer.

	
             
 	
            Section 3.04
 	
            Permitted Withdrawals From Custodial Account.
 

The Servicer shall, from time to time, withdraw funds from the Custodial Account for the following purposes:

(i)          to make payments to the Master Servicer in the amounts and in the manner provided for in Section 4.01;

(ii)        in the event the Servicer has elected not to retain the Servicing Fee out of any Mortgagor payments on account of interest or other recovery of interest with respect to a particular Securitized Loan (including late collections of interest on such Securitized Loan, or interest portions of Insurance Proceeds, Liquidation Proceeds or Condemnation Proceeds) prior to the deposit of such Mortgagor payment or recovery in the Custodial Account, to pay to itself the related Servicing Fee from all such Mortgagor payments on account of interest or other such recovery for interest with respect to that Securitized Loan;

(iii)        to pay itself investment earnings on funds deposited in the Custodial Account;

(iv)       to transfer funds to another Qualified Depository in accordance with Section 3.11 hereof;

(v)         to invest funds in certain Eligible Investments in accordance with Section 3.11 hereof;

(vi)        to reimburse itself to the extent of funds held in the Custodial Account for Monthly Advances of the Servicer’s funds made pursuant to Section 4.03.  The Servicer’s right to reimburse itself pursuant to this subclause (vi) with respect to any Securitized Loan shall be limited to amounts received on or in respect of the related Securitized Loan which represent late recoveries of payments of principal or interest with respect to which a Monthly Advance was made, it being understood that in the case of any such reimbursement the Servicer’s right thereto shall be prior to the rights of the related Trust; provided, however, that following the final liquidation of a Securitized Loan, the Servicer may reimburse itself for previously unreimbursed Monthly Advances in excess of Liquidation Proceeds
or Insurance Proceeds with respect to such Securitized Loan from any funds in the Custodial Account relating to Securitized Loans in the same Trust, it being understood, in the case of any such reimbursement, that the Servicer’s right thereto shall be prior to the rights of the related Trust.  The Servicer may recover at any time from amounts on deposit in the Custodial Account with respect to Securitized Loans in the same Trust the amount of any Monthly Advances that the Servicer deems nonrecoverable or that remain unreimbursed to the Servicer from related Liquidation Proceeds after the final liquidation of the related Securitized Loan.  In addition, the Servicer may, at any time, withdraw from the Custodial Account funds that are held for future distribution (i.e., were not included in the principal and interest for the preceding Remittance Date) to reimburse itself for Monthly Advances previously made by the Servicer;

 

 

(vii)     to reimburse itself for unreimbursed Servicing Advances, and for any unpaid Servicing Fees, the Servicer’s right to reimburse itself pursuant to this subclause (vii) with respect to any Securitized Loan being limited to related Liquidation Proceeds, Condemnation Proceeds, Insurance Proceeds, REO Disposition Proceeds and other amounts received in respect of the related REO Property, and such other amounts as may be collected by the Servicer from the Mortgagor or otherwise relating to the Securitized Loan, it being understood that, in the case of any such reimbursement, the Servicer’s right thereto shall be prior to the rights of the related Trust;

(viii)     to reimburse the Servicer for expenses incurred by, and reimbursable to, the Servicer pursuant to Section 6.03, but only to extent such amounts are determined to be reimbursable by the related Trust pursuant to Section 6.03;

(ix)       to reimburse itself for expenses incurred or reimbursable to the Servicer pursuant to Section 3.12 from funds with respect to Securitized Loans in the same Trust to the extent not previously reimbursed under clause (vii) of this Section 3.04;

(x)        to withdraw funds with respect to Securitized Loans in the same Trust necessary for the operation, management and maintenance of any REO related property to the extent not previously reimbursed under clause (vii) of this Section 3.04;

	
             
 	
            (xi)
 	
            to withdraw any funds deposited to the Custodial Account in error; and,
 

(xii)      to clear and terminate the Custodial Account upon the termination of this Agreement;

(xiii)     to reimburse the Trustee or the NIMs Insurer for enforcement expenses incurred in respect of a breach of a representation or warranty.

	
             
 	
            Section 3.05
 	
            Establishment of and Deposits to Escrow Account.
 

The Servicer shall segregate and hold all funds collected and received pursuant to a Securitized Loan constituting Escrow Payments separate and apart from any of its own funds and general assets and shall establish and maintain an Escrow Account, in the form of a time deposit or demand account, titled “Home Star Mortgage Services, LLC in trust for one or more Homestar Mortgage Securities Trusts.”  The Escrow Account shall be established with a Qualified Depository in a manner that shall provide maximum available insurance thereunder.  Funds deposited in the Escrow Account may be drawn on by the Servicer in accordance with Section 3.06.  The creation of the Escrow Account shall be evidenced by a letter agreement in the form of Exhibit C.  A copy of such certification or letter agreement shall be furnished to each Trustee and the Master Servicer.

The Servicer shall deposit in the Escrow Account or Accounts on a daily basis, and retain therein:

(i)          all Escrow Payments collected on account of the Securitized Loans, for the purpose of effecting timely payment of any such items as required under the terms of this Agreement; and

 

 

(ii)        all amounts representing Insurance Proceeds or Condemnation Proceeds that are to be applied to the restoration or repair of any Mortgaged Property.

The Servicer shall make withdrawals from the Escrow Account only to effect such payments as are required under this Agreement, as set forth in Section 3.06.  The Servicer shall retain any interest paid on funds deposited in the Escrow Account by the depository institution, other than interest on escrowed funds required by law to be paid to the related Mortgagor.  Additionally, any other benefit derived from the Escrow Account associated with the receipt, disbursement and accumulation of principal, interest, taxes, hazard insurance, mortgage insurance, etc. shall accrue to the Servicer.  To the extent required by law, the Servicer shall pay interest on escrowed funds to the related Mortgagor notwithstanding that the Escrow Account may be non-interest bearing or that interest paid thereon is insufficient for such purposes.

	
             
 	
            Section 3.06
 	
            Permitted Withdrawals From Escrow Account.
 

Withdrawals from the Escrow Account or Accounts may be made by the Servicer only:

(i)          to effect payments of ground rents, taxes, assessments, water rates, sewer rents, mortgage insurance premiums, condominium charges, fire and hazard insurance premiums or other items constituting Escrow Payments for the related Mortgage;

(ii)         to refund to any related Mortgagor any funds found to be in excess of the amounts required under the terms of the related Securitized Loan;

(iii)       as permitted by applicable state law, for transfer to the Custodial Account and application to reduce the principal balance of the related Securitized Loan in accordance with the terms of the related Mortgage and Mortgage Note;

(iv)       for application to restore or repair the related Mortgaged Property in accordance with the Master Servicing Guide;

(v)         to pay to the Servicer, or the related Mortgagor to the extent required by law, any interest paid on the funds with respect to a Securitized Loan deposited in the Escrow Account; and

(vi)        to reimburse itself for any Servicing Advances made with respect to Escrow Payments for a Securitized Loan or the related Mortgaged Properties, but only from amounts received on the related Securitized Loan which represent late collections of Escrow Payments thereunder;

	
             
 	
            (vii)
 	
            to withdraw any funds deposited into the Escrow Account in error; and
 

(viii)       to clear and terminate the Escrow Account on the termination of this Agreement.

The Servicer will be responsible for the administration of the Escrow Accounts and will be obligated to make Servicing Advances to the Escrow Account in respect of its obligations under this Section 3.06, reimbursable from the Escrow Accounts or Custodial Account to the 

 

extent not collected from a Mortgagor, anything to the contrary notwithstanding, when and as necessary to avoid the lapse of insurance coverage on the related Mortgaged Property, or which the Servicer knows, or in the exercise of the required standard of care of the Servicer hereunder should know, is necessary to avoid the loss of such Mortgaged Property due to a tax sale or the foreclosure as a result of a tax lien.  If any such payment has not been made and the Servicer receives notice of a tax lien with respect to such Mortgaged Property being imposed, the Servicer will, within ten (10) Business Days of such notice, advance or cause to be advanced funds necessary to discharge such lien on such Mortgaged Property.

	
             
 	
            Section 3.07
 	
            Restoration of Mortgaged Property.
 

The Servicer need not obtain the approval of the Master Servicer prior to releasing any Insurance Proceeds or Condemnation Proceeds to the Mortgagor to be applied to the restoration or repair of the related Mortgaged Property if such release is in accordance with Accepted Servicing Practices.  At a minimum, with respect to claims of $10,000 or more, the Servicer shall comply with the following conditions in connection with any such release of Insurance Proceeds or Condemnation Proceeds:

(i)       the Servicer shall receive satisfactory independent verification of completion of repairs and issuance of any required approvals with respect thereto;

(ii)         the Servicer shall take all steps necessary to preserve the priority of the lien of the Mortgage, including, but not limited to requiring waivers with respect to mechanics’ and materialmen’s liens.

(iii)       the Servicer shall verify that the Securitized Loan is not 60 or more days delinquent; and

(iv)      pending repairs or restoration, the Servicer shall place the Insurance Proceeds or Condemnation Proceeds in the Escrow Account.

With respect to claims of less than $10,000, the Servicer shall comply with the following conditions in connection with any such release of Insurance Proceeds or Condemnation Proceeds:

(v)         the related Mortgagor shall provide an affidavit verifying the completion of repairs and issuance of any required approvals with respect thereto;

(vi)       the Servicer shall verify the total amount of the claim with the applicable insurance company; and

(vii)     pending repairs or restoration, the Servicer shall place the Insurance Proceeds or Condemnation Proceeds in the Escrow Account.

If the Trustee is named as an additional loss payee, the Servicer is hereby empowered to endorse any loss draft issued in respect of such a claim in the name of the related Trust.

 

 

	
             
 	
            Section 3.08
 	
            Fidelity Bond and Errors and Omissions Insurance.
 

The Servicer shall keep in force and shall cause each sub-servicer to keep in force during the term of this Agreement a Fidelity Bond and Errors and Omissions Insurance the minimum coverage of which shall be at least equal to the coverage required by the Master Servicer in the Master Servicing Guide (unless a waiver of such requirement has been obtained by the Servicer from the Master Servicer and NIMs Insurer).  Such Fidelity Bond and Errors and Omissions Insurance shall be maintained with recognized insurers, shall be in such form and amount as would permit the Servicer to be qualified with the Master Servicer as a servicer, and shall by its terms not be cancelable without thirty days’ prior written notice to the Trustee, the NIMs Insurer and the Master Servicer.  The Servicer and each sub-servicer shall be deemed to have complied with this provision if an affiliate of the
Servicer has such errors and omissions and fidelity bond coverage and, by the terms of such insurance policy or fidelity bond, the coverage afforded thereunder extends to the Servicer.  The Servicer shall furnish and shall cause each sub-servicer to furnish to the Trustee, each NIMs Insurer (upon reasonable request) and the Master Servicer a copy of each such bond and insurance policy upon their request.

	
             
 	
            Section 3.09
 	
            Notification of Adjustments.
 

With respect to each Adjustable Rate Securitized Loan, the Servicer shall adjust the Mortgage Interest Rate on the related interest rate adjustment date and shall adjust the Monthly Payment on the related mortgage payment adjustment date, if applicable, in compliance with the requirements of applicable law and the related Mortgage and Mortgage Note.  The Servicer shall execute and deliver any and all necessary notices required under applicable law and the terms of the related Mortgage Note and Mortgage regarding the Mortgage Interest Rate and Monthly Payment adjustments.  The Servicer shall promptly, upon written request therefor, deliver to the Master Servicer such notifications and any additional applicable data regarding such adjustments and the methods used to calculate and implement such adjustments.  Upon the discovery by the Servicer or the receipt of notice from the Master
Servicer that the Servicer has failed to adjust a Mortgage Interest Rate or Monthly Payment in accordance with the terms of the related Mortgage Note, the Servicer shall immediately deposit in the Custodial Account from its own funds the amount of any interest loss or deferral caused thereby and shall indemnify the Trust in respect of any liability as a result of such shortfall.

	
             
 	
            Section 3.10
 	
            Payment of Taxes, Insurance and Other Charges.
 

With respect to each Securitized Loan, the Servicer shall maintain accurate records reflecting the status of ground rents, taxes, assessments, water rates and other charges which are or may become a lien upon the Mortgaged Property and the status of fire and hazard insurance coverage and shall obtain, from time to time, all bills for the payment of such charges (including renewal premiums) and shall effect payment thereof prior to the applicable penalty or termination date and at a time appropriate for securing maximum discounts allowable, employing for such purpose deposits of the Mortgagor in the Escrow Account which shall have been estimated and accumulated by the Servicer in amounts sufficient for such purposes, as allowed under the terms of the Mortgage or applicable regulations.  The Servicer assumes full responsibility for the payment of all such bills and shall effect payments of
all such bills irrespective of the Mortgagor’s faithful performance in the payment of same or the making of the 

 

Escrow Payments and shall make advances from its own funds to effect such payments.  The Servicer shall employ Accepted Servicing Practices to ensure that the related Mortgaged Property is not subjected to a tax lien as a result of nonpayment and that such Mortgaged Property is not left uninsured.

	
             
 	
            Section 3.11
 	
            Protection of Accounts.
 

The Servicer may transfer the Custodial Account or the Escrow Account to a different Qualified Depository from time to time.  The Servicer shall give written notice to the Trustee and the NIMs Insurer and the Master Servicer of the location of the Custodial Account maintained by it with respect to the Securitized Loans when established and prior to any change thereof.

The Servicer shall bear any expenses, losses or damages sustained by the Trustee or the Master Servicer if the Custodial Account and/or the Escrow Account are not demand deposit accounts.

Amounts on deposit in the Custodial Account and the Escrow Account may at the option of the Servicer be invested in Eligible Investments; provided that in the event that amounts on deposit in the Custodial Account or the Escrow Account exceed the amount fully insured by the FDIC (the “Insured Amount”), the Servicer shall be obligated to invest the excess amount over the Insured Amount in Eligible Investments on the same Business Day as such excess amount becomes present in the Custodial Account or the Escrow Account.  Any such Eligible Investment shall mature no later than the Business Day immediately preceding the related Remittance Date or other date on which funds are needed to be disbursed.  Any such Eligible Investment shall be made in the name of the Servicer in trust for the benefit of one or more Homestar Mortgage Securities Trusts, as their interests may appear.  All
income on or gain realized from any such Eligible Investment shall be for the benefit of the Servicer and may be withdrawn at any time by the Servicer.  Any losses incurred in respect of any such investment shall be deposited in the Custodial Account or the Escrow Account by the Servicer out of its own funds immediately as realized.

	
             
 	
            Section 3.12
 	
            Title, Management and Disposition of REO Property.
 

In the event that title to any 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 related Trust, or in the event the related Trust is not authorized or permitted to hold title to real property in the state where the REO Property is located, or would be adversely affected under the “doing business” or tax laws of such state by so holding title, the deed or certificate of sale shall be taken in the name of such Person or Persons as shall be consistent with an Opinion of Counsel obtained by the Servicer from any attorney duly licensed to practice law in the state where the REO Property is located.  The Person or Persons holding such title other than the related Trust shall acknowledge in writing that such title is being held as nominee for the related Trust.

The Servicer shall manage, conserve, protect and operate each REO Property for the related Trust solely for the purpose of its prompt disposition and sale.  The Servicer, either itself or through an agent selected by the Servicer, shall manage, conserve, protect and operate such REO Property in the same manner that it manages, conserves, protects and operates other 

 

foreclosed property for its own account, and in the same manner that similar property in the same locality as the REO Property is managed.  The Servicer shall attempt to sell the same (and may temporarily rent the same for a period not greater than one year, except as otherwise provided below) on such terms and conditions as the Servicer deems to be in the best interest of the related  Trust.

Notwithstanding anything to the contrary contained in this Section 3.12, in connection with a foreclosure or acceptance of a deed in lieu of foreclosure, in the event the Servicer has reasonable cause to believe that a Mortgaged Property is contaminated by hazardous or toxic substances or wastes, or if the Master Servicer otherwise requests, an environmental inspection or review of such Mortgaged Property to be conducted by a qualified inspector shall be arranged by the Servicer.  Upon completion of the inspection, the Servicer shall provide the Master Servicer and the NIMs Insurer with a written report of such environmental inspection.  In the event that the environmental inspection report indicates that the Mortgaged Property is contaminated by hazardous or toxic substances or wastes, the Servicer shall not proceed with foreclosure or acceptance of a deed in lieu of foreclosure.  In
the event that the environmental inspection report is inconclusive as to the whether or not the Mortgaged Property is contaminated by hazardous or toxic substances or wastes, the Servicer shall not, without the prior written approval of the Master Servicer and the NIMs Insurer, proceed with foreclosure or acceptance of a deed in lieu of foreclosure.  The Servicer shall be reimbursed for all Servicing Advances made pursuant to this paragraph with respect to the related Mortgaged Property from the amounts on deposit in the Custodial Account with respect to Securitized Loans in the same Trust.

In the event that a Trust which has made one or more REMIC elections acquires any REO Property in connection with a default or imminent default on a Securitized Loan, the Servicer shall dispose of such REO Property not later than the end of the third taxable year after the year of its acquisition by the related Trust unless the Servicer has applied for and received a grant of extension from the Internal Revenue Service (and provides a copy of the same to the Master Servicer) to the effect that, under the REMIC Provisions and any relevant proposed legislation and under applicable state law, a REMIC elected by such Trust may hold REO Property for a longer period without adversely affecting the REMIC status of such REMIC or causing the imposition of a federal or state tax upon such REMIC.  If the Servicer has received such an extension (and provided a copy of the same to the Master
Servicer), then the Servicer shall continue to attempt to sell the REO Property for its fair market value for such period longer than three years as such extension permits (the “Extended Period”).  If the Servicer has not received such an extension, and the Servicer is unable to sell the REO Property within the period ending 3 months before the end of such third taxable year after its acquisition by the related Trust or if the Servicer has received such an extension, and the Servicer is unable to sell the REO Property within the period ending three months before the close of the Extended Period, the Servicer shall, before the end of the three-year period or the Extended Period, as applicable, (i) purchase such REO Property at a price equal to the REO Property’s fair market value or (ii) auction the REO Property to the highest bidder (which may be the Servicer) in an auction reasonably designed to produce a fair price prior to the expiration of the three-year period or
the Extended Period, as the case may be.  The related Trustee shall sign any document or take any other action reasonably requested by the Servicer which would enable the Servicer, on behalf of the related Trust, to request such grant of extension.

 

 

Notwithstanding any other provisions of this Agreement, no REO Property acquired by a Trust shall be rented (or allowed to continue to be rented) or otherwise used by or on behalf of such Trust in such a manner or pursuant to any terms that would:  (i) cause such REO Property to fail to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code; or (ii) subject any REMIC elected by such Trust to the imposition of any federal income taxes on the income earned from such REO Property, including any taxes imposed by reason of Sections 860F or 860G(c) of the Code, unless the Servicer has agreed to indemnify and hold harmless such Trust with respect to the imposition of any such taxes.

The Servicer shall also maintain on each REO Property hazard insurance with extended coverage in an amount which is at least equal to the lesser of (i) the maximum insurable value of the improvements which are a part of such property and (ii) the outstanding Principal Balance of the Securitized Loan at the time it becomes REO Property, to the extent required and available under the Flood Disaster Protection Act of 1973, as amended, flood insurance in the amount required above.

The disposition of REO Property shall be carried out by the Servicer at such price, and upon such terms and conditions, as the Servicer deems to be in the best interests of the related Trust.  The proceeds of sale of the REO Property shall be promptly deposited in the Custodial Account.  After the expenses of such disposition shall have been paid, the Servicer shall reimburse itself pursuant to Section 3.04 hereof for any Servicing Advances it incurred with respect to such REO Property.

The Servicer shall withdraw from the amounts on deposit in the Custodial Account with respect to Securitized Loans in the same Trust funds necessary for the proper operation, management and maintenance of the REO Property, including the cost of maintaining any hazard insurance pursuant to the Master Servicing Guide.  The Servicer shall make monthly distributions on each Remittance Date to the Trustee of the net cash flow from the REO Property (which shall equal the revenues from such REO Property net of the expenses described in this Section 3.12 and of any reserves reasonably required from time to time to be maintained to satisfy anticipated liabilities for such expenses).

	
             
 	
            Section 3.13
 	
            Real Estate Owned Reports.
 

Together with the statement furnished pursuant to Section 4.02, the Servicer shall furnish by electronic transmission to the Master Servicer and the NIMs Insurer on or before the Remittance Date each month a statement with respect to any REO Property covering the operation of such REO Property for the previous month and the Servicer’s efforts in connection with the sale of such REO Property and any rental of such REO Property incidental to the sale thereof for the previous month.  That statement shall be accompanied by such other information as the Master Servicer shall reasonably request.

	
             
 	
            Section 3.14
 	
            MERS.
 

(a)         The Servicer shall take such actions as are necessary to cause the related Trust to be clearly identified as the owner of each MERS Securitized Loan on the records of MERS for 

 

purposes of the system of recording transfers of beneficial ownership of mortgages maintained by MERS.

(b)        The Servicer shall maintain in good standing its membership in MERS.  In addition, the Servicer shall comply with all rules, policies and procedures of MERS, including the Rules of Membership, as amended, and the MERS Procedures Manual, as amended.

(c)          With respect to all MERS Securitized Loans serviced hereunder, the Servicer shall promptly notify MERS as to any transfer of beneficial ownership or release of any security interest in such Securitized Loans.

(d)         With respect to all MERS Securitized Loans serviced hereunder, the Servicer shall notify MERS as to any transfer of servicing pursuant to Section 9.01 within 10 Business Days of such transfer of servicing.  The Servicer shall cooperate with each Trustee and any successor servicer to the extent necessary to ensure that such transfer of servicing is appropriately reflected on the MERS system.

	
             
 	
            Section 3.15
 	
            Waiver of Prepayment Penalties.
 

Except as provided below, the Servicer or any designee of the Servicer shall not waive any Prepayment Charge with respect to any Securitized Loan.  If the Servicer or its designee fails to collect a Prepayment Charge at the time of the related prepayment of any Securitized Loan subject to such Prepayment Charge, the Servicer shall pay to the Trust at such time (by deposit to the Custodial Account) an amount equal to the amount of the Prepayment Charge not collected.  The Seller warrants that the schedule of Prepayment Charges listed in each Transfer Notice shall be complete, true and accurate and may be relied on by the Servicer in its calculation of Prepayment Charges.  Notwithstanding the above, the Servicer or its designee may waive a Prepayment Charge only if (i) the related prepayment is not the result of a refinancing by the Servicer or its designee, (ii) such waiver relates to a
defaulted Securitized Loan or a reasonably foreseeable default, (iii) such waiver is standard and customary in servicing similar mortgage loans to the Securitized Loans, and (iv) such waiver, in the reasonable judgment of the Servicer, would maximize recovery of total proceeds from the Securitized Loan, taking into account the amount of such Prepayment Charge and the related Securitized Loan.  If a Prepayment Charge is waived as permitted by meeting the standards described above, then the Servicer is required to pay the amount of such waived Prepayment Charge, for the benefit of the holders of the Class P Certificates (as defined in the related Trust Agreement), by depositing such amount into the Custodial Account together with and at the time that the amount prepaid on the related Securitized Loan is required to be deposited into the Custodial Account.

Within 90 days of the earlier of discovery by the Servicer or receipt of notice by the Servicer of the breach of the representation or covenant of the Servicer set forth in this Section 3.15 which materially and adversely affects the interests of the Holders of the Class P Certificates in any Prepayment Charge, the Servicer shall remedy such breach as follows: if any of the covenants made by the Servicer in this Section 3.15 is breached, the Servicer must pay the amount of such waived Prepayment Charge, for the benefit of the Holders of the Class P Certificates, by depositing such amount into the Custodial Account.

 

 

	
             
 	
            Section 3.16
 	
            Servicing and Administration of PMI Policies.
 

(a)         The Servicer shall take all such actions on behalf of the Trustee as are necessary to service, maintain and administer PMI Policies and to perform and enforce the rights under such Policies for the benefit of the related Trust.  Except as expressly set forth herein, the Servicer shall have full authority on behalf of the related Trust to do anything it reasonably deems appropriate or desirable in connection with the servicing, maintenance and administration of the PMI Policies.  The Servicer shall not take, or permit any sub-servicer to modify or assume a Securitized Loan covered by a PMI Policy or take any other action with respect to such Securitized Loan which would result in non-coverage under any PMI Policy of any loss which, but for the actions of the Servicer or the Sub-Servicer, would have
been covered thereunder.  If a PMI Insurer fails to pay a claim under a PMI Policy as a result of breach by the Servicer or a sub-servicer of its obligations hereunder or under a PMI Policy, the Servicer shall be required to deposit in the Custodial Account on or prior to the next succeeding Remittance Date an amount equal to such unpaid claim from its own funds without any right to reimbursement from the related Trust.  To the extent coverage is available, the Servicer shall keep or cause to be kept in full force and effect the Insurance Policies for as long as any Certificates issued by the related Trust are outstanding.  The Servicer shall cooperate with each PMI Insurer and shall use its best efforts to furnish all reasonable aid, evidence and information in the possession of the Servicer to which the Servicer has access with respect to any Securitized Loan; provided, however, notwithstanding anything to the contrary contained in a PMI Policy, the Servicer shall not be required to
submit any reports to a PMI Insurer until a reporting date that is at least 15 days after the Servicer has received sufficient loan level information from the Seller to appropriately code its servicing system in accordance with such PMI Insurer’s requirements.

(b)        The Servicer shall deposit into the Custodial Account pursuant to Section 3.03(xiii) hereof all Insurance Proceeds received from the PMI Insurer under the terms of a PMI Policy.

(c)         Notwithstanding the provisions of (a) and (b) above, the Servicer shall not take any action in regard to any PMI Policy inconsistent with the interests of the related Trust or the related Certificateholders or with the rights and interests of the related Trust or the related Certificateholders under this Agreement.

(d)        The related Trustee shall furnish the Servicer with any powers of attorney and other documents (within fifteen (15) days upon request from the Servicer) in form as provided to it necessary or appropriate to enable the Servicer to service and administer any PMI Policy; provided, however, that the related Trustee shall not be liable for the actions of the Servicer under such powers of attorney.

	
             
 	
            Section 3.17
 	
            Maintenance of Hazard Insurance.
 

The Servicer shall cause to be maintained for each Securitized Loan hazard insurance such that all buildings upon the related Mortgaged Property are insured by a generally acceptable insurer against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where such Mortgaged Property is located in an amount which is at least equal to the lesser of (i) the current principal balance of such Securitized Loan and (ii) the 

 

amount necessary to fully compensate for any damage or loss to the improvements that are a part of such property on a replacement cost basis, in each case in an amount not less than the amount as is necessary to avoid the application of any co-insurance clause contained in the related hazard insurance policy.

Any payments by the Servicer for hazard insurance, other than as set forth in the last paragraph of this Section 3.17, shall be deemed Servicing Advances, reimbursable in accordance with Section 3.04(vii) or (x), to the extent not collected from the related Mortgagor.  The Servicer will comply in the performance of this Agreement with all reasonable rules and requirements of each insurer under any such hazard policies.  Any amounts to be collected by the Servicer under any such policies (other than amounts to be applied to the restoration or repair of the property or amounts to be released to the Mortgagor subject to the terms and conditions of the related Mortgage and Mortgage Note) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.04, if received in respect of a Securitized Loan.  Any cost incurred by the Servicer in maintaining any such insurance
shall not, for the purpose of calculating distributions to Certificateholders, be added to the unpaid principal balance of the related Securitized Loan, notwithstanding that the terms of such Securitized Loan so permit.  It is understood and agreed that no earthquake or other additional insurance is to be required of any Mortgagor other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance.  If a Mortgaged Property or REO Property is at any time in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards and flood insurance has been made available, the Servicer will cause to be maintained a flood insurance policy in respect thereof.  Such flood insurance shall be in an amount equal to the lesser of (i) the unpaid principal balance of the related Securitized Loan and (ii) the maximum amount of such insurance available for the related Mortgaged
Property under the national flood insurance program (assuming that the area in which such Mortgaged Property is located is participating in such program).

In the event that the Servicer or the Sub-Servicer shall obtain and maintain a blanket policy with an insurer having a General Policy Rating of B:III or better in Best’s Key Rating Guide (or such other rating that is comparable to such rating) insuring against hazard losses on all of the Securitized Loans in a Trust, it shall conclusively be deemed to have satisfied its obligations as set forth in the first two sentences of this Section 3.17 with respect to the Securitized Loans in such Trust, it being understood and agreed that such policy may contain a deductible clause, in which case the Servicer shall, in the event that there shall not have been maintained on the related Mortgaged Property or REO Property a policy complying with the first two sentences of this Section 3.17, and there shall have been one or more losses which would have been covered by such policy, deposit to the
Custodial Account from its own funds without right of reimbursement the amount not otherwise payable under the blanket policy because of such deductible clause for the benefit of the related Trust.  In connection with its activities as administrator and servicer of the Securitized Loans, the Servicer agrees to prepare and present, on behalf of itself, the Trust and the Certificateholders, claims under any such blanket policy in a timely fashion in accordance with the terms of such policy.  Copies of such claims shall be provided to the NIMs Insurer.

 

 

	
             
 	
            Section 3.18
 	
            Realization Upon Defaulted Securitized Loans.
 

(a)        The Servicer shall use its best efforts and, consistent with Accepted Servicing Practices, foreclose upon or otherwise comparably convert the ownership of properties securing such of the Securitized Loans (including selling any such Securitized Loans other than converting the ownership of the related properties) as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments.  The Servicer shall be responsible for all costs and expenses incurred by it in any such proceedings; provided, however, that such costs and expenses will be recoverable as Servicing Advances by the Servicer as contemplated in Section 3.04.  The foregoing is subject to the provision that, in any case in which a Mortgaged Property shall have suffered damage from an
uninsured cause, the Servicer shall not be required to expend its own funds toward the restoration of such Mortgaged Property unless it has determined that such restoration will increase the proceeds of liquidation of the related Securitized Loan after reimbursement to itself for such expenses.  In instituting foreclosures or other similar proceedings, the Servicer shall institute such proceedings in its own name on behalf of the related Trust, unless otherwise required by applicable law or otherwise appropriate.

(b)         If the Servicer determines that it is in the best economic interest of a Trust and the Certificateholders to sell a Distressed Securitized Loan rather than foreclosing, the Servicer may effect such a sale.  The net proceeds of such sale shall be Liquidation Proceeds.

(c)         Proceeds received in connection with any Final Recovery Determination, as well as any recovery resulting from a partial collection of Insurance Proceeds, Liquidation Proceeds or Condemnation Proceeds, in respect of any Securitized Loan, will be applied in the following order of priority:  first, to unpaid Servicing Fees; second, to reimburse the Servicer or any sub-servicer for any related unreimbursed Servicing Advances and  Monthly Advances pursuant to Section 3.04; third, to accrued and unpaid interest on the Securitized Loan, to the date of the Final Recovery Determination, or to the Due Date prior to the Remittance Date on which such amounts are to be remitted to the Master Servicer if not in connection with a Final Recovery Determination; and fourth, as a recovery of principal of the
Securitized Loan.  The portion of the recovery so allocated to any unpaid Servicing Fee shall be reimbursed to the Servicer or any sub-servicer pursuant to Section 3.04.

	
             
 	
            Section 3.19
 	
            Enforcement of Due-On-Sale Clauses; Assumption Agreement.
 

The Servicer will, to the extent it has knowledge of any conveyance or prospective conveyance of any Mortgaged Property by any Mortgagor (whether by absolute conveyance or contract of sale, and whether or not the Mortgagor remains or is to remain liable under the Mortgage Note and/or the Mortgage), exercise its rights to accelerate the maturity of such Securitized Loan under the “due-on-sale” clause, if any, applicable thereto; provided, however, that the Servicer shall not be required to take such action if in its sole business judgment the Servicer believes it is not in the best interests of the related Trust and shall not exercise any such rights if prohibited by law from doing so. If the Servicer reasonably believes it is unable under applicable law to enforce such “due-on-sale” clause, or if any of the other conditions set forth in the proviso to the preceding
sentence apply, the Servicer will enter into an assumption and modification agreement from or with the person to whom such property has been conveyed or is 

 

proposed to be conveyed, pursuant to which such person becomes liable under the Mortgage Note and, to the extent permitted by applicable state law, the Mortgagor remains liable thereon. The Servicer is also authorized to enter into a substitution of liability agreement with such person, pursuant to which the original Mortgagor is released from liability and such person is substituted as the Mortgagor and becomes liable under the Mortgage Note, provided that no such substitution shall be effective unless such person satisfies the underwriting criteria of the Servicer and has a credit risk rating at least equal to that of the original Mortgagor. In connection with any assumption or substitution, the Servicer shall apply such underwriting standards and follow such practices and procedures as shall be normal and usual in its general mortgage servicing activities and as it applies to other mortgage loans owned
solely by it.  The Servicer shall not take or enter into any assumption and modification agreement, however, unless (to the extent practicable in the circumstances) it shall have received confirmation, in writing, of the continued effectiveness of any applicable hazard insurance policy.  Any fee collected by the Servicer in respect of an assumption, modification or substitution of liability agreement shall be retained by the Servicer as additional servicing compensation.  In connection with any such assumption, no material term of the Mortgage Note (including but not limited to the related Mortgage Interest Rate and the amount of the Monthly Payment) may be amended or modified, except as otherwise required pursuant to the terms thereof.  The Servicer shall notify the related Trustee that any such substitution, modification or assumption agreement has been completed by the Servicer, and the Servicer shall deliver to the Custodian the executed original of such substitution, modification
or assumption agreement, which document shall be added to the related Mortgage File and shall, for all purposes, be considered a part of such Mortgage File to the same extent as all other documents and instruments constituting a part thereof, and the Servicer shall also deliver to the Trustee a copy of the executed substitution, modification or assumption agreement.

Notwithstanding the foregoing paragraph or any other provision of this Agreement, the Servicer shall not be deemed to be in default, breach or any other violation of its obligations hereunder by reason of any assumption of a Securitized Loan by operation of law or by the terms of the Mortgage Note or any assumption which the Servicer may be restricted by law from preventing, for any reason whatever.  For purposes of this Section 3.19, the term “assumption” is deemed to also include a sale (of the Mortgaged Property) subject to the Mortgage that is not accompanied by an assumption or substitution of liability agreement.

	
             
 	
            Section 3.20
 	
            Credit Risk Manager.
 

The Servicer acknowledges and agrees that, under any Trust Agreement, a Credit Risk Manager may be required to provide certain credit risk management services as provided therein.  If so, the Servicer hereby agrees to cooperate with the Credit Risk Manager in connection with all reasonable requests made by the Credit Risk Manager, including, without limitation, promptly providing copies of any servicing reports and remittance advices required under this Agreement to the Credit Risk Manager.

	
             
 	
            Section 3.21
 	
            Compliance with Applicable Laws.
 

All requirements of any federal, state or local law (including usury, truth in lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, disclosure or 

 

recording, predatory and abusive lending laws) applicable to the servicing of the Mortgage Loans will be complied with by the Servicer in all material respects.

 

 

ARTICLE IV.

PAYMENTS TO MASTER SERVICER

	
             
 	
            Section 4.01
 	
            Remittances.
 

On each Remittance Date, no later than 3:00 p.m. New York City time, the Servicer shall remit on a scheduled/scheduled basis by wire transfer of immediately available funds to the Master Servicer (a) all amounts deposited in the Custodial Account as of the close of business on the Determination Date (net of charges against or withdrawals from the Custodial Account pursuant to Section 3.04), plus (b) all Monthly Advances, if any, which the Servicer or other Advancing Person is obligated to make pursuant to Section 4.03, minus (c) any amounts attributable to Principal Prepayments, Liquidation Proceeds, Insurance Proceeds, Condemnation Proceeds or REO Disposition Proceeds received after the applicable Due Period, which amounts shall be remitted on the following Remittance Date, together with any additional interest required to be deposited in the Custodial Account in connection with such
Principal Prepayment in accordance with Section 3.03 (iii) and (vii), and minus (d) any amounts attributable to Monthly Payments collected but due on a Due Date or Due Dates subsequent to the first day of the month in which such Remittance Date occurs, which amounts shall be remitted on the Remittance Date next succeeding the Due Date related to such Monthly Payment.

With respect to any remittance received by the Master Servicer after the Business Day on which such payment was due, the Servicer shall pay to the Master Servicer interest on any such late payment at an annual rate equal to LIBOR, adjusted as of the date of each change, plus four (4) percentage points, but in no event greater than the maximum amount permitted by applicable law.  Such interest shall be deposited in the Custodial Account by the Servicer on the date such late payment is made and shall cover the period commencing with the day following the Remittance Date and ending with the Business Day on which such payment is made, both inclusive.  Such interest shall be remitted along with the distribution payable on the next succeeding Remittance Date.  The payment by the Servicer of any such interest shall not be deemed an extension of time for payment or a waiver of any Event of
Default by the Master Servicer or any applicable Trustee.

All remittances required to be made to the Master Servicer shall be made on a scheduled/scheduled basis to the following wire account or to such other account as may be specified by the Master Servicer from time to time:

Wells Fargo Bank, National Association

Minneapolis, Minnesota

ABA# 121000248

Account Name:  SAS Clearing 3970771416

For further credit to:  Collection Account No. 18150300

	
             
 	
            Section 4.02
 	
            Statements to Master Servicer.
 

Not later than the 10th calendar day of each month (or if such calendar day is not a Business Day, the immediately succeeding Business Day), the Servicer shall furnish to the Master Servicer and the NIMs Insurer with respect to each related Trust, or as the Servicer and 

 

the Master Servicer may otherwise agree (a) a monthly remittance advice in the format set forth at Exhibit D hereto with regard to monthly loan remittance data, Exhibit E with regard to default mortgage loans, and Exhibit F with regard to realized losses or gains for the period ending on the first day of such calendar month (i.e., the Due Period) and (b) all such information required pursuant to clause (a) above in an electronic file or other similar media reasonably acceptable to the Master Servicer.  The Servicer shall also furnish to the Master Servicer and the NIMs Insurer (in such format mutually agreed to by the Servicer and the Master Servicer) a monthly report detailing loan level Prepayment Charges collected and/or waived by the Servicer in accordance with Section 3.15.

Such monthly remittance advice shall also be accompanied with a supplemental report provided to the Master Servicer which includes on an aggregate basis for the previous Due Period (i) the amount of claims filed, (ii) the amount of any claim payments made, (iii) the amount of claims denied or curtailed and (iv) policies cancelled with respect to those Securitized Loans covered by any PMI Policy or any other provider of primary mortgage insurance purchased by the Trust.  Notwithstanding anything to the contrary contained in a PMI Policy, the Servicer shall not be required to submit any supplemental reports including the foregoing data with respect to a PMI Policy until a reporting date that is at least 15 days after the Servicer has received sufficient loan level information from the Seller  to appropriately code its servicing system in accordance with requirements.

In addition, not more than 60 days after the end of each calendar year, commencing December 31, 2004, the Servicer shall provide (as such information becomes reasonably available to the Servicer) to the Master Servicer such information concerning the Securitized Loans and annual remittances to the Master Servicer with respect to the Securitized Loans in each Trust as is necessary for each Certificateholder and the NIMs Insurer to prepare its federal income tax return.  Such obligation of the Servicer shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Servicer to the Master Servicer and pursuant to any requirements of the Code as from time to time are in force.

Beginning with calendar year 2004, the Servicer shall provide the Master Servicer and each Trustee with such information concerning the related Securitized Loans as is necessary for such Trustee to prepare the related Trust’s federal income tax return and for any investor in the related Certificates to prepare any required tax return.

	
             
 	
            Section 4.03
 	
            Monthly Advances by Servicer.
 

On the Business Day immediately preceding each Remittance Date, the Servicer shall deposit in the Custodial Account from its own funds or from amounts held for future distribution, or both, an amount equal to the aggregate of all Monthly Advances relating to Monthly Payments which were due on the Securitized Loans during the applicable Due Period and which were delinquent at the close of business on the immediately preceding Determination Date.  Any amounts held for future distribution and so used shall be replaced by the Servicer by deposit in the Custodial Account on or before any future Remittance Date if funds in the Custodial Account on such Remittance Date shall be less than remittances to the Master Servicer required to be made on such Remittance Date.  The Servicer shall keep appropriate records of such amounts and will provide such records to the Master Servicer upon request.
No provision in this 

 

Agreement shall be construed as limiting the Servicer’s right to (i) pass through late collections on the related Securitized Loans in lieu of making Monthly Advances (ii) reimburse itself for such Monthly Advances from late collections on the related Securitized Loans or (iii) utilize an Advancing Person (as defined below).

The Servicer’s obligation to make such Monthly Advances as to any Mortgage Loan will continue through the last Monthly Payment due prior to the payment in full of the Mortgage Loan, or through the last Remittance Date prior to the Remittance Date for the distribution of all Liquidation Proceeds and other payments or recoveries (including REO Disposition Proceeds, Insurance Proceeds and Condemnation Proceeds) with respect to the Mortgage Loan; provided, however, that such obligation shall cease if the Servicer determines, in its sole reasonable opinion, that advances with respect to such Mortgage Loan are non-recoverable by the Servicer from Liquidation Proceeds, Insurance Proceeds, Condemnation Proceeds, or otherwise with respect to a particular Mortgage Loan.

The Servicer, with the consent of the NIMs Insurer, may enter into a facility with any person including the Sub-Servicer which provides that such person (an “Advancing Person”) may fund Monthly Advances required under this Section 4.03 and/or Servicing Advances, although no such facility shall reduce or otherwise affect the Servicer’s obligation to fund such Monthly Advances and/or Servicing Advances.  Any Monthly Advances and/or Servicing Advances made by an Advancing Person shall be reimbursed to the Advancing Person in the same manner as reimbursements would be made to the Servicer under Section 3.04 if such Monthly Advances or Servicing Advance were funded by the Servicer.

	
             
 	
            Section 4.04
 	
            Compensating Interest.
 

The Servicer shall be required to deposit in the Custodial Account, and retain therein with respect to each Principal Prepayment, the Prepayment Interest Shortfall Amount, if any, for the related Due Period.  Such deposit shall be made from the Servicer’s own funds, without reimbursement therefor, up to an amount equal to the lesser of with respect to the Securitized Loans in each Trust (i) the Prepayment Interest Shortfall Amount or (ii) the Servicing Fee, in each case, with respect to the Securitized Loans in such Trust.  The Servicer shall not be obligated to pay any Prepayment Interest Shortfall Amount with respect to any Relief Act Reduction or bankruptcy.

	
             
 	
            Section 4.05
 	
            Credit Reporting.
 

For each Securitized Loan, in accordance with its current servicing practices, the Servicer will accurately and fully report its underlying borrower credit files to each of the following credit repositories or their successors:  Equifax Credit Information Services, Inc., Trans Union, LLC and Experian Information Solution, Inc., on a monthly basis in a timely manner.

 

 

ARTICLE V.

GENERAL SERVICING PROCEDURES

	
             
 	
            Section 5.01
 	
            Servicing Compensation.
 

As consideration for servicing the Securitized Loans subject to this Agreement, the Servicer shall retain (a) the Servicing Fee for each Securitized Loan remaining subject to this Agreement during any month and (b) Ancillary Income.  The Servicing Fee shall be payable monthly.

The aggregate of the Servicing Fees for any month with respect to the Securitized Loans in a Trust shall be reduced by any Prepayment Interest Shortfall Amount with respect to the Securitized Loans in such Trust with respect to such month.    The Servicer shall be entitled to recover any unpaid Servicing Fee out of Insurance Proceeds, Condemnation Proceeds or Liquidation Proceeds to the extent permitted in Section 3.04 and out of amounts derived from the operation and sale of an REO Property to the extent permitted by Section 3.12.

Additional servicing compensation in the form of Ancillary Income shall be retained by the Servicer only to the extent such fees or charges are received by the Servicer.  The Servicer shall also be entitled pursuant to Section 3.04 and Section 3.06 to withdraw from the Custodial Account and Escrow Account, respectively, as additional servicing compensation, interest or other income earned on deposits therein, subject to Section 3.11.

The Servicer shall be required to pay all expenses incurred by it in connection with its servicing activities hereunder, including any fees due to sub-servicers, and shall not be entitled to reimbursement thereof except as specifically provided for herein.

	
             
 	
            Section 5.02
 	
            Annual Audit Report.
 

The Servicer shall, at its own expense, using its best efforts by February 28 of each year, but in no event later than March 1 of each year, cause a firm of independent public accountants (who may also render other services to Servicer), which is a member of the American Institute of Certified Public Accountants, to furnish to the Seller and the Master Servicer (i) year-end audited (if available) financial statements of the Servicer and (ii) a statement to the effect that such firm has examined certain documents and records for the preceding fiscal year (or during the period from the date of commencement of such Servicer’s duties hereunder until the end of such preceding fiscal year in the case of the first such certificate) and that, on the basis of such examination conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers, such firm is
of the opinion that Servicer’s overall servicing operations have been conducted in compliance with the Uniform Single Attestation Program for Mortgage Bankers except for such exceptions that, in the opinion of such firm, the Uniform Single Attestation Program for Mortgage Bankers requires it to report, in which case such exceptions shall be set forth in such statement.

 

 

	
             
 	
            Section 5.03
 	
            Annual Officer’s Certificate.
 

The Servicer, at its own expense, will, using its best efforts by February 28 of each year, but in no event later than March 1 of each year, deliver to the Seller and the Master Servicer a Servicing Officer’s certificate stating, as to each signer thereof, that (i) a review of the activities of the Servicer during such preceding fiscal year and of performance under this Agreement has been made under such officers’ supervision, and (ii) to the best of such officers’ knowledge, based on such review, the Servicer has fulfilled all its obligations under this Agreement for such year, or, if there has been a default in the fulfillment of all such obligations, specifying each such default known to such officers and the nature and status thereof including the steps being taken by the Servicer to remedy such default.

	
             
 	
            Section 5.04.
 	
            Servicer’s Certification.
 

(a)          An officer of the Servicer shall, using its best efforts by February 28 of each year, but no later than March 1 of each year, (or if not a Business Day, the immediately preceding Business Day), or at any other time upon thirty (30) days written request, execute and deliver an Officer’s Certificate to the Master Servicer for the benefit of such Master Servicer and its officers, directors, agents and affiliates, certifying as to the following matters:

(i)          Based on my knowledge, the information in the annual statement of compliance furnished pursuant to Section 5.03, the annual independent public accountant’s servicing report furnished pursuant to Section 5.02 and all servicing reports, officer’s certificates and other information relating to the servicing of the Securitized Loans submitted to the Master Servicer taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the date of this certification;

(ii)         The servicing information required to be provided to the Master Servicer by the Servicer under this Agreement has been provided to the Master Servicer;

(iii)        I am responsible for reviewing the activities performed by the Servicer under the Agreement and based upon the review required by the Agreement, and except as disclosed in the annual statement of compliance, the annual independent public accountant’s servicing report and all servicing reports, officer’s certificates and other information relating to the servicing of the Securitized Loans submitted to the Master Servicer, the Servicer has, as of the date of this certification fulfilled its obligations under the Agreement; and

(iv)        I have disclosed to the Master Servicer all significant deficiencies relating to the Servicer’s compliance with the minimum servicing standards in accordance with a review conducted in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar standard as set forth in the Agreement.

(b)         The Servicer shall indemnify and hold harmless the Master Servicer and its officers, directors, agents and affiliates from and against any losses, damages, penalties, fines, forfeitures, reasonable legal fees and related costs, judgments and other costs and expenses arising out of or based upon a breach by the Servicer or any of its officers, directors, agents or affiliates of its obligations under Sections 5.02, 5.03 or 5.04 or the negligence, bad faith or 

 

willful misconduct of the Servicer in connection therewith.  If the indemnification provided for herein is unavailable or insufficient to hold harmless the Master Servicer, then the Servicer agrees that it shall contribute to the amount paid or payable by the Master Servicer as a result of losses, claims, damages or liabilities of the Master Servicer in such proportion as is appropriate to reflect the relative fault of the Master Servicer on the one hand and the Servicer on the other in connection with a breach of the Servicer’s obligations under Sections 5.02, 5.03 or 5.04 or the Servicer’s negligence, bad faith or willful misconduct in connection therewith.

Section 5.05  Access to Servicer Records.

The Seller or the NIMs Insurer shall have the right to examine and audit, at its expense, upon reasonable notice to the Servicer, during business hours or at such other times as might be reasonable under applicable circumstances, any and all of the books, records, documentation or other information of the Servicer, or held by another for the Servicer or on its behalf or otherwise, which relate to the performance or observance by the Servicer of the terms, covenants or conditions of this Agreement.

The Servicer shall provide to the Seller, the NIMs Insurer and any supervisory agents or examiners representing a state or federal governmental agency having jurisdiction over the Seller access to any documentation regarding the Mortgage Loans in the possession of the Servicer which may be required by any applicable regulations.  Such access shall be afforded without charge, upon reasonable request, during normal business hours and at the offices of the Servicer, and in accordance with the applicable federal or state government regulations.

 

 

ARTICLE VI.

REPRESENTATIONS, WARRANTIES

AND AGREEMENTS

	
             
 	
            Section 6.01
 	
            Representations, Warranties and Agreements of the Servicer.
 

The Servicer, as a condition to the consummation of the transactions contemplated hereby, hereby makes the following representations and warranties to the Seller, the Depositor, the Trustee and the Master Servicer as of the Closing Date:

(a)         Due Organization and Authority.  The Servicer is duly organized, validly existing and in good standing under the laws of the State of Delaware and has all licenses necessary to carry on its business as now being conducted and either it or its designated sub-servicer is licensed, qualified and in good standing in each state where a Mortgaged Property is located if the laws of such state require licensing or qualification in order to conduct a servicing business of the type provided for herein, and in any event the Servicer or its designated sub-servicer is in compliance with the laws of any such state to the extent necessary to ensure the enforceability of the terms of this Agreement; the Servicer has the full power and authority to execute and deliver this Agreement and, together with such
sub-servicer, to perform in accordance herewith; the execution, delivery and performance of this Agreement (including all instruments of transfer to be delivered pursuant to this Agreement) by the Servicer and the consummation of the transactions contemplated hereby have been duly and validly authorized; this Agreement evidences the valid, binding and enforceable obligation of the Servicer and all requisite action has been taken by the Servicer to make this Agreement valid and binding upon the Servicer in accordance with its terms;

(b)         Ordinary Course of Business.  The consummation of the transactions contemplated by this Agreement, taking into account the role of its sub-servicer, is in the ordinary course of business of the Servicer;

(c)        No Conflicts.  Neither the execution and delivery of this Agreement, the acquisition of the servicing responsibilities by the Servicer or the transactions contemplated hereby, nor the fulfillment of or compliance with the terms and conditions of this Agreement, will conflict with or result in a breach of any of the terms, conditions or provisions of the Servicer’s organizational documents or any legal restriction or any agreement or instrument to which the Servicer is now a party or by which it is bound, or constitute a default or result in an acceleration under any of the foregoing, or, taking into account the role of its designated sub-servicer, result in the violation of any law, rule, regulation, order, judgment or decree to which the Servicer or its property is subject, or impair the ability
of the Servicer to service the Securitized Loans, or impair the value of the Securitized Loans;

(d)         Ability to Perform.  The Servicer does not believe, nor does it have any reason or cause to believe, that it, together with the Sub-Servicer, cannot perform each and every covenant contained in this Agreement;

(e)        No Litigation Pending.  There is no action, suit, proceeding or investigation pending or, to the best of our knowledge, threatened against the Servicer which, either in any one 

 

instance or in the aggregate, may result in any material adverse change in the business, operations, financial condition, properties or assets of the Servicer, or in any material impairment of the right or ability of the Servicer to carry on its business substantially as now conducted, or in any material liability on the part of the Servicer, or which would draw into question the validity of this Agreement or of any action taken or to be taken in connection with the obligations of the Servicer contemplated herein, or which would be likely to impair materially the ability of the Servicer together with the Sub-Servicer to perform under the terms of this Agreement;

(f)          No Consent Required.  No consent, approval, authorization or order of any court or governmental agency or body is required for the execution, delivery and performance by the Servicer together with the Sub-Servicer of or compliance by the Servicer together with the Sub-Servicer with this Agreement;

(g)        Ability to Service.  The Servicer is an approved seller/servicer of conventional residential Securitized Loans for Fannie Mae and Freddie Mac, and, together with those of its designated sub-servicer, shall ensure that there are the facilities, procedures, and experienced personnel necessary for the sound servicing of the Securitized Loans.  The Servicer is in good standing to service Securitized Loans for Freddie Mac.  The Servicer is a member in good standing of the MERS system, if applicable;

(h)         No Untrue Information.  Neither this Agreement nor any statement, report or other document furnished or to be furnished by the Servicer pursuant to this Agreement or in connection with the transactions contemplated hereby contains any untrue material statement of fact or omits to state a material fact necessary to make the statements contained therein not misleading;

(i)          No Commissions to Third Parties.  The Servicer has not dealt with any broker or agent or anyone else, other than the Sub-Servicer, who might be entitled to a fee or commission in connection with this transaction other than the Seller; and

(j)           No Waiver of Prepayment Charges.  The Servicer will not waive any Prepayment Charge unless it is waived in accordance with the standard set forth in Section 3.15.

	
             
 	
            Section 6.02
 	
            Remedies for Breach of Representations and Warranties of the Servicer.
 

It is understood and agreed that the representations and warranties set forth in Section 6.01 shall survive the engagement of the Servicer to perform the servicing responsibilities as of any Closing Date hereunder and the delivery of the Servicing Files to the Servicer and shall inure to the benefit of the Seller, any Depositor, the Master Servicer and each Trust, NIMs Insurer and Trustee.  Upon discovery by any of the Servicer, the Master Servicer, the Trustee, NIMs Insurer, any Depositor or the Seller of a breach of any of the foregoing representations and warranties which materially and adversely affects the ability of the Servicer, together with its designated sub-servicer, to perform its duties and obligations under this Agreement or otherwise materially and adversely affects the value of the Securitized Loans, the Mortgaged Property, the priority of the security interest on such
Mortgaged Property or the interest of the Seller, any Depositor, the Master Servicer, NIMs Insurer, the related Trust or the related Trustee, the party discovering such breach shall give prompt written notice to the others.

 

 

Within 60 days of the earlier of either discovery by or notice to the Servicer of a breach of a representation or warranty set forth in Section 6.01 which materially and adversely affects the ability of the Servicer, together with its designated sub-servicer, to perform its duties and obligations under this Agreement or otherwise materially and adversely affects the value of the Securitized Loans, the Mortgaged Property or the priority of the security interest on such Mortgaged Property, the Servicer shall use its best efforts promptly to cure such breach in all material respects and, if such breach cannot be cured, the Servicer shall, at the option of the Trustee, assign the Servicer’s rights and obligations under this Agreement (or respecting the affected Securitized Loans) with respect to a Trust to a successor servicer selected by the related Trustee with the prior consent and
approval of the Master Servicer.  Such assignment shall be made in accordance with Section 9.01 and 9.02.

In addition, the Servicer shall indemnify the Seller, the Master Servicer, NIMs Insurer, any Depositor and each Trustee and hold each of them harmless against any Costs resulting from any claim, demand, defense or assertion based on or grounded upon, or resulting from, a breach of the Servicer’s representations and warranties contained in this Agreement.  It is understood and agreed that the remedies set forth in this Section 6.02 constitute the sole remedies of the Seller, the Master Servicer, any Depositor, and each Trust and Trustee hereunder respecting a breach of the foregoing representations and warranties.

Any cause of action against the Servicer relating to or arising out of the breach of any representations and warranties made in Section 6.01 shall accrue upon (i) discovery of such breach by the Servicer or notice thereof by the Seller, the Master Servicer, NIMs Insurer, any Depositor or a Trustee to the Servicer, (ii) failure by the Servicer to cure such breach within the applicable cure period, and (iii) demand upon the Servicer by the Seller, any Depositor, NIMs Insurer, the Master Servicer or a Trustee for compliance with this Agreement.

	
             
 	
            Section 6.03
 	
            Additional Indemnification by the Servicer; Third Party Claims.
 

The Servicer shall indemnify the Seller, any Depositor, NIMs Insurer, each Trustee, the Master Servicer and each Trust and hold them harmless against any and all Costs that any such indemnified party may sustain in any way related to (i) the failure of the Servicer to perform its duties and service the related Securitized Loans in material compliance with the terms of this Agreement or (ii) the failure of the Servicer to cause any event to occur which would have occurred if the Servicer were applying Accepted Servicing Practices under this Agreement.  The Servicer shall immediately notify the Seller, any related Depositor, NIMs Insurer, the Master Servicer, the related Trustee or any other relevant party if a claim is made by a third party with respect to this Agreement or the related Securitized Loans, assume (with the prior written consent of the indemnified party) the defense of any
such claim and pay all expenses in connection therewith, including counsel fees, promptly pay, discharge and satisfy any judgment or decree which may be entered against it or any indemnified party in respect of such claim and follow any written instructions received from such indemnified party in connection with such claim.  The Servicer shall be promptly reimbursed by the related Trust or Trusts for all amounts advanced by it pursuant to the preceding sentence except when the claim is in any way related to the Servicer’s indemnification pursuant to Section 6.02, or the failure of the Servicer, together with its designated sub-servicer, to service and administer the Securitized Loans in material compliance with the terms of this Agreement.  In the event a dispute arises between an 

 

indemnified party and the Servicer with respect to any of the rights and obligations of the parties pursuant to this Agreement, and such dispute is adjudicated in a court of law, by an arbitration panel or any other judicial process, then the losing party shall indemnify and reimburse the winning party for all attorneys’ fees and other costs and expenses related to the adjudication of said dispute.

	
             
 	
            Section 6.04
 	
            Indemnification with Respect to Certain Taxes and Loss of REMIC Status.
 

In the event that any REMIC elected by a Trust fails to qualify as a REMIC, loses its status as a REMIC, or incurs federal, state or local taxes as a result of a prohibited transaction or prohibited contribution under the REMIC Provisions due to the negligent performance by the Servicer of its duties and obligations set forth herein, the Servicer shall indemnify the Holder of the related Residual Certificate, the Master Servicer, the related Trustee and the related Trust against any and all losses, claims, damages, liabilities or expenses (“Losses”) resulting from such negligence; provided, however, that the Servicer shall not be liable for any such Losses attributable to the action or inaction of the related Trustee, any related Depositor, the Master Servicer or the Holder of such Residual Certificate, as applicable, nor for any such Losses resulting from misinformation
provided by the Holder of such Residual Certificate or any such other party on which the Servicer has relied.  The foregoing shall not be deemed to limit or restrict the rights and remedies of the Holder of such Residual Certificate or the related Trust now or hereafter existing at law or in equity or otherwise.  Notwithstanding the foregoing, however, in no event shall the Servicer have any liability (1) for any action or omission that is taken in accordance with and in compliance with the express terms of, or which is expressly permitted by the terms of, this Agreement, (2) for any Losses other than arising out of a negligent performance by the Servicer of its duties and obligations set forth herein, and (3) for any special or consequential damages to the related Certificateholders.

 

 

ARTICLE VII.

THE SERVICER

	
             
 	
            Section 7.01
 	
            Merger or Consolidation of the Servicer.
 

The Servicer shall keep in full effect its existence, rights and franchises as a limited liability company, and shall obtain and preserve its qualification to do business as a foreign entity in each jurisdiction in which such qualification is or shall be necessary to perform its obligations as contemplated by this Agreement.

Any Person into which the Servicer may be merged or consolidated, or any corporation resulting from any merger, conversion or consolidation to which the Servicer shall be a party, or any Person succeeding to the business of the Servicer, shall, with the prior written consent of the Master Servicer, be the successor of the Servicer hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that the successor or surviving Person shall be an institution (i) having a net worth of not less than $25,000,000, and (ii) which is a Freddie Mac-approved or Fannie Mae-approved servicer in good standing.

	
             
 	
            Section 7.02
 	
            Limitation on Liability of the Servicer and Others.
 

Neither the Servicer nor any of the directors, officers, employees or agents of the Servicer shall be under any liability to the Seller, the Master Servicer, any Depositor, any Trust or any Trustee hereunder for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Servicer or any such person against any breach of warranties or representations made herein, or failure to perform its obligations in strict compliance with any standard of care set forth in this Agreement, or any liability which would otherwise be imposed by reason of any breach of the terms and conditions of this Agreement. The Servicer and any director, officer, employee or agent of the Servicer may rely in good faith on any document of any kind prima facie properly executed and
submitted by any Person respecting any matters arising hereunder.  The Servicer shall not be under any obligation to appear in, prosecute or defend any legal action which is not incidental to its duties to service the Securitized Loans in accordance with this Agreement and which in its opinion may involve it in any expense or liability; provided, however, that the Servicer may, with the consent of the related Trustee, NIMs Insurer and the Master Servicer, undertake any such action which it deems necessary or desirable in respect of this Agreement and the rights and duties of the parties hereto.  In such event, the Servicer shall be entitled to reimbursement from the related Trust for the reasonable legal expenses and costs of such action.

	
             
 	
            Section 7.03
 	
            Limitation on Resignation and Assignment by the Servicer.
 

The Servicer shall neither assign its rights under this Agreement or the servicing hereunder nor delegate its duties hereunder or any portion thereof, or sell or otherwise dispose of all or substantially all of its property or assets without, in each case, the prior written consent of the Seller, the Master Servicer and the related Trustee and the NIMs Insurer, which consent, in the case of an assignment of rights or delegation of duties, shall be granted or withheld in the 

 

discretion of the Seller, the Master Servicer and the related Trustee, and which consent, in the case of a sale or disposition of all or substantially all of the property or assets of the Servicer, shall not be unreasonably withheld; provided, that in each case, there must be delivered to the Seller, the Master Servicer and the related Trustee and NIMs Insurer a letter from the applicable Rating Agency or Rating Agencies to the effect that such transfer of servicing or sale or disposition of assets will not result in a qualification, withdrawal or downgrade of the then-current rating of any of the Certificates, and provided further, without any consent or notice the Servicer may delegate its servicing duties hereunder to the Sub-Servicer pursuant to the Sub-Servicing Agreement.  Notwithstanding the foregoing, the Servicer, without the consent of the Seller, the Master Servicer and the related Trustee, may
retain third-party contractors to perform certain servicing and loan administration functions, including without limitation, hazard insurance administration, tax payment and administration, flood certification and administration, collection services and similar functions; provided, however, that the retention of such contractors by Servicer shall not limit the obligation of the Servicer to service the Securitized Loans pursuant to the terms and conditions of this Agreement.

The Servicer shall not resign from the obligations and duties hereby imposed on it with respect to the Securitized Loans in a Trust except by mutual consent of the Seller, the Master Servicer and the related Trustee, with the consent of the NIMs Insurer, or upon the determination that its duties hereunder are no longer permissible under applicable law and such incapacity cannot be cured by the Servicer.  Any such determination permitting the resignation of the Servicer shall be evidenced by an Opinion of Counsel to such effect delivered to the Seller, the Master Servicer and the related Trustee and NIMs Insurer which Opinion of Counsel shall be in form and substance acceptable to the Seller, the Master Servicer and the related Trustee and NIMs Insurer.  No such resignation shall become effective until a successor acceptable to the Master Servicer shall have assumed the Servicer’s
responsibilities and obligations hereunder in the manner provided in Section 9.01.

Without in any way limiting the generality of this Section 7.03, in the event that the Servicer either shall assign this Agreement or the servicing responsibilities hereunder or delegate its duties hereunder or any portion thereof or sell or otherwise dispose of all or substantially all of its property or assets, without the prior written consent of the Seller, the Master Servicer and the Trustee and NIMs Insurer (except as provided by the first paragraph of this Section 7.03 and Section 7.04), then such parties shall have the right to terminate this Agreement upon notice given as set forth in Section 8.01, without any payment of any penalty or damages and without any liability whatsoever to the Servicer or any third party.

Section 7.04         Sub-Servicing Agreements; Sub-Servicing Acknowledgment Agreement; Successor Sub-Servicer.

(a)         The Servicer may enter into sub-servicing agreements, with the consent of the NIMs Insurer, for any servicing and administration of the Securitized Loans with any institution which (i) is an approved Fannie Mae or Freddie Mac Seller/Servicer as indicated in writing, and (ii) represents and warrants that it is in compliance with the laws of each state as necessary to enable it to perform its obligations under such sub-servicing agreement.  For this purpose, sub-servicing shall not be deemed to include the use of a tax service, or services for reconveyance, insurance or brokering REO Property.  The Servicer shall give prior written notice 

 

to the Master Servicer, the Trustee and NIMs Insurer of the appointment of any sub-servicer and shall furnish to the Master Servicer, the Trustee and NIMs Insurer a copy of such sub-servicing agreement.  For purposes of this Agreement, the Servicer shall be deemed to have received payments on Securitized Loans immediately upon receipt by any sub-servicer of such payments.  Any such sub-servicing agreement shall be acceptable to the Master Servicer and the related Trustee and NIMs Insurer and shall be consistent with and not violate the provisions of this Agreement.  Each sub-servicing agreement shall provide that a successor servicer shall have the option to terminate such agreement without payment of any fees if the predecessor Servicer is terminated or resigns.

(b)       The Servicer, with the consent of the NIMs Insurer, may terminate any sub-servicing agreement to which it is a party in accordance with the terms and conditions of such sub-servicing agreement and either itself directly service the related Securitized Loans or enter into a sub-servicing agreement with a successor sub-servicer that qualifies under Section 7.04(a).

(c)         Notwithstanding any sub-servicing agreement or the provisions of this Agreement relating to agreements or arrangements between the Servicer and a sub-servicer or reference to actions taken through a sub-servicer or otherwise, the Servicer shall remain obligated and primarily liable to the Trustee, the Master Servicer, the Trust and the Certificateholders for the servicing and administering of the Securitized Loans in accordance with the provisions hereof without diminution of such obligation or liability by virtue of such sub-servicing agreements or arrangements or by virtue of indemnification from the sub-servicer and to the same extent and under the same terms and conditions as if the Servicer alone were servicing and administering the Securitized Loans.  The Servicer shall be entitled to enter
into any agreement with a sub-servicer for indemnification of the Servicer by such sub-servicer and nothing contained in this Agreement shall be deemed to limit or modify such indemnification.

(d)         In the event of a Subservicer Termination Trigger, the Servicer shall terminate the related Subservicer at the direction of the NIMS Insurer.  Following such termination, the Servicer shall have the right to service such Securitized Loans without the use of a Subservicer or to engage a new Subservicer acceptable to the NIMS Insurer pursuant to a Subservicing Agreement, which is not in conflict with the terms of this Agreement.  Notwithstanding the foregoing, the Servicer shall retain the ownership of all servicing rights with respect to the related Securitized Loans and no such direction of termination of a Subservicer shall be deemed to diminish such ownership.

	
             
 	
            Section 7.05
 	
            Inspection.
 

The Servicer shall offer each Trustee, NIMs Insurer and the Master Servicer, upon reasonable advance notice, during normal business hours, access to all records maintained by the Servicer in respect of its rights and obligations hereunder and access to officers of the Servicer responsible for such obligations.  Upon request, the Servicer shall furnish to each Trustee, NIMs Insurer and the Master Servicer its most recent publicly available financial statements and such other information relating to its capacity to perform its obligations under this Agreement.

 

 

ARTICLE VIII.

TERMINATION

	
             
 	
            Section 8.01
 	
            Termination for Cause.
 

This Agreement shall be terminable at the option of the Master Servicer or the related Trustee if any of the following events of default exist on the part of the Servicer:

(i)          any failure by the Servicer to remit to the Master Servicer any payment required to be made under the terms of this Agreement which continues unremedied for a period of one Business Day after the date upon which written notice of such failure, requiring the same to be remedied, shall have been received by the Servicer from the Master Servicer, the NIMs Insurer or a related Trustee; or

(ii)        failure by the Servicer duly to observe or perform in any material respect any other of the covenants or agreements on the part of the Servicer set forth in this Agreement (except with respect to its obligations under Section 5.02, 5.03 or 5.04) which continues unremedied for a period of 15 days following the Servicer’s receipt of written notice of such failure from the Master Servicer, the NIMs Insurer or a related Trustee; or

(iii)       failure by the Servicer to maintain its license or to cause its designated sub-servicer to do business or service residential Securitized Loans in any jurisdiction, if required by such jurisdiction, where a Mortgaged Property is located; or

(iv)       a decree or order of a court or agency or supervisory authority having jurisdiction for the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, including bankruptcy, marshaling of assets and liabilities or similar proceedings, or for the winding-up or liquidation of its affairs, shall have been entered against the Servicer and such decree or order shall have remained in force undischarged or unstayed for a period of 60 days; or

(v)         the Servicer shall consent to the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshaling of assets and liabilities or similar proceedings of or relating to the Servicer or of or relating to all or substantially all of its property; or

(vi)        the Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of any applicable insolvency, bankruptcy or reorganization statute, make an assignment for the benefit of its creditors, voluntarily suspend payment of its obligations or cease its normal business operations for three Business Days; or

(vii)      the Servicer ceases to meet or to cause its designated sub-servicer to meet the qualifications of a Fannie Mae or Freddie Mac seller/servicer; or

(viii)     the Servicer attempts to assign the servicing of the Securitized Loans or its right to servicing compensation hereunder or the Servicer attempts to sell or otherwise dispose of all or substantially all of its property or assets or to assign this Agreement or the servicing 

 

responsibilities hereunder or to delegate its duties hereunder or any portion thereof, in each case without complying fully with the provisions of Section 7.03 or Section 7.04; or

(ix)        failure by the Servicer to duly perform, within the required time period, its obligations under Sections 5.02, 5.03 or 5.04 which failure continues unremedied for a period of fifteen (15) days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Servicer by any party to this Servicing Agreement, by the NIMs Insurer or by any master servicer responsible for master servicing the Securitized Loans pursuant to a securitization of such Securitized Loans.

In each and every such case, so long as an event of default shall not have been remedied within the applicable cure period, in addition to whatever rights the Master Servicer or a related Trustee may have at law or equity to damages, including injunctive relief and specific performance, the Trustee or the Master Servicer, by notice in writing to the Servicer, and with the consent of the other party, may (and, at the request of the NIMs Insurer, shall) terminate all the rights and obligations of the Servicer under this Agreement and in and to the servicing contract established hereby and the proceeds thereof.

Upon receipt by the Servicer of such written notice, all authority and power of the Servicer under this Agreement, whether with respect to the Securitized Loans or otherwise, shall pass to and be vested in a successor servicer appointed by the Trustee or the Master Servicer, as the case may be, with the consent of the other party and the NIMs Insurer.  Upon written request from the Master Servicer, the Servicer shall prepare, execute and deliver to the successor servicer or the Trustee any and all documents and other instruments, place in such successor’s possession all Servicing Files, and do or cause to be done all other acts or things necessary or appropriate to effect the purposes of such notice of termination, including but not limited to the transfer and endorsement or assignment of the Securitized Loans and related documents, at the Servicer’s sole expense.  The Servicer
shall cooperate with the Master Servicer and such successor in effecting the termination of the Servicer’s responsibilities and rights hereunder, including without limitation, the transfer to such successor for administration by it of all cash amounts which shall at the time be credited by the Servicer to the Custodial Account or Escrow Account or thereafter received with respect to the Securitized Loans.

By a written notice, the Trustee or the Master Servicer, with the consent of the other parties and the NIMs Insurer, may waive any default by the Servicer in the performance of its obligations hereunder and its consequences.  Upon any waiver of a past default, such default shall cease to exist, and any Event of Default arising therefrom shall be deemed to have been remedied for every purpose of this Agreement.  No such waiver shall extend to any subsequent or other default or impair any right consequent thereon except to the extent expressly so waived.

	
             
 	
            Section 8.02
 	
            Termination Without Cause.
 

(a)         This Agreement shall terminate upon:  (i) the later of (a) the distribution of the final payment or liquidation proceeds on the last Securitized Loan to the Master Servicer or the Trust, and (b) the disposition of all REO Property acquired upon foreclosure of the last Securitized Loan and the remittance of all funds due hereunder or (ii) mutual consent of the Servicer and the Master Servicer in writing, provided such termination is also acceptable to the 

 

applicable Rating Agency or Rating Agencies and the NIMs Insurer.  In addition, with the prior written consent of the Master Servicer and the NIMs Insurer, the Seller or its designee may terminate this Agreement with respect to all of the Securitized Loans, without cause, provided, that the Seller or its designee gives the Servicer 30 days’ notice.  Any such notice of termination shall be in writing and delivered to the Servicer, NIMs Insurer and the Master Servicer by registered mail to the address set forth in Section 9.03.  The Seller or its designee and the Servicer shall comply with the termination procedures set forth in Section 9.01 hereof.  All unreimbursed Servicing Fees, Servicing Advances and Monthly Advances still owing the Servicer shall be paid by the Seller or its designee or the successor servicer from its own funds within 5 Business Days of the date of such termination without right
of reimbursement from the Trust.  In connection with any termination pursuant to clause (ii) of the first sentence of this Section 8.02(a), all unreimbursed Servicing Fees, Servicing Advances and Monthly Advances still owing the Servicer shall be paid at the time of such termination by the Trust.

Upon a termination of the Servicer for cause pursuant to Section 8.01, all unreimbursed Servicing Fees, Servicing Advances and Monthly Advances still owing the Servicer shall be paid by the Trust as such amounts are received from the related Securitized Loans.  In connection with any termination pursuant to the second sentence of this Section 8.02(a), the Seller or its designee or the successor servicer will be responsible for reimbursing the Servicer for all unreimbursed out-of-pocket Servicing Advances, Monthly Advances and Servicing Fees and other reasonable and necessary out-of-pocket costs associated with any transfer of servicing at the time of such transfer of servicing.  Any invoices received by the Servicer after termination will be forwarded to the Seller or its designee, and the Seller or its designee or the successor servicer shall pay such invoices within five (5) Business
Days upon receipt from the Servicer.

(b)        In the event that the Servicer decides to terminate its obligations under this Agreement as set forth in clause (ii) of Section 8.02(a), the Servicer agrees that it will continue to service the Securitized Loans beyond the prescribed termination date until such time as the Trustee, using reasonable commercial efforts, is able to appoint, with the consent of the NIMs Insurer, a successor servicer acceptable to the NIMs Insurer and the Master Servicer and otherwise meeting the characteristics of Sections 7.01 and 9.01.

 

 

ARTICLE IX.

MISCELLANEOUS PROVISIONS

	
             
 	
            Section 9.01
 	
            Successor to the Servicer.
 

Simultaneously with the termination of the Servicer’s responsibilities and duties under this Agreement (a) pursuant to Sections 6.02, 7.03, 8.01 or 8.02(a)(ii), the Master Servicer shall (i) within 90 days of the Servicer’s receipt of notice of such termination, succeed to and assume all of the Servicer’s responsibilities, rights, duties and obligations under this Agreement (except that the Master Servicer shall immediately assume all of the obligations of the Servicer to make Monthly Advances), or (ii) appoint a successor acceptable to the NIMs Insurer having the characteristics set forth in clauses (i) and (ii) of Section 7.01 and which shall succeed to all rights and assume all of the responsibilities, duties and liabilities of the Servicer under this Agreement simultaneously with the termination of the Servicer’s responsibilities, duties and liabilities under this
Agreement; or (b) as a result of termination of the Servicer without cause by the Seller pursuant to Section 8.02 hereof, the Seller shall appoint a successor acceptable to the NIMs Insurer having the characteristics set forth in clauses (i) and (ii) of Section 7.01 and which shall succeed to all rights and assume all of the responsibilities, duties and liabilities of the Servicer under this Agreement simultaneously with the termination of the Servicer’s responsibilities, duties and liabilities under this Agreement.  If the NIMs Insurer requests, the Master Servicer shall appoint a successor servicer as provided in the preceding sentence.  Any successor to the Servicer shall be subject to the approval of the Master Servicer and the Trustee and, to the extent required by the Trust Agreement, shall be a member in good standing of the MERS system (if any of the Securitized Loans are MERS Eligible Securitized Loans, unless such Securitized Loans are withdrawn from MERS and
Assignments of Mortgage are recorded in favor of the Trust at the expense of the successor servicer).  The final approval of a successor servicer shall be conditioned upon the receipt by the Trustee, the Master Servicer, NIMs Insurer and the Seller of a letter from the applicable Rating Agency or Rating Agencies to the effect that such transfer of servicing will not result in a qualification, withdrawal or downgrade of the then-current rating of any of the Certificates.  In connection with such appointment and assumption, the Master Servicer or the Seller, as applicable, may make such arrangements for the compensation of such successor out of payments on Securitized Loans as it and such successor shall agree, provided, however, that no such compensation shall be in excess of the Servicing Fee permitted under this Agreement.  In the event that the Servicer’s duties, responsibilities and liabilities under this Agreement should be terminated pursuant to the aforementioned sections,
the Servicer shall discharge such duties and responsibilities during the period from the date it acquires knowledge of such termination until the effective date thereof with the same degree of diligence and prudence which it is obligated to exercise under this Agreement, and shall take no action whatsoever that might impair or prejudice the rights or financial condition of its successor.  The resignation or removal of the Servicer pursuant to the aforementioned sections shall not become effective until a successor servicer shall be appointed pursuant to this Section 9.01, or until the Master Servicer succeeds to and assumes all of the Servicer’s responsibilities, rights, duties and obligations pursuant to this Section 9.01, and shall in no event relieve the Servicer of the representations and warranties made pursuant to Section 6.01 and the remedies available to the Trustee, the Trust, the Master Servicer, NIMs Insurer and the Seller under Section 6.02 and 6.03, it being
understood and agreed that the provisions of such Sections 6.01, 6.02 and 6.03 shall be 

 

applicable not only to such successor servicer but also to the Servicer notwithstanding any such resignation or termination of the Servicer, or the termination of this Agreement.  Notwithstanding the foregoing, the Master Servicer, in its capacity as successor servicer, shall not be responsible for the lack of information and/or documents that it cannot obtain through reasonable efforts.

Within a reasonable period of time, but in no event longer than 30 days after the appointment of a successor entity, the Servicer shall prepare, execute and deliver to the successor entity any and all documents and other instruments, place in such successor’s possession all Servicing Files, and do or cause to be done all other acts or things necessary or appropriate to effect the purposes of such notice of termination, including but not limited to the transfer and endorsement of the Mortgage Notes and related documents, and the preparation and recordation of Assignments of Mortgage.  The Servicer shall cooperate with the Master Servicer or the Seller, as applicable, and such successor in effecting the termination of the Servicer’s responsibilities and rights hereunder and the transfer of servicing responsibilities to the successor servicer, including without limitation, the
transfer to such successor for administration by it of all cash amounts which shall at the time be credited by the Servicer to the Custodial Account or Escrow Account or thereafter received with respect to the Securitized Loans.

Any successor servicer appointed as provided herein shall execute, acknowledge and deliver to the Trustee, the Servicer, the Master Servicer, NIMs Insurer and the Seller  an instrument (i) accepting such appointment, wherein the successor shall make the representations and warranties set forth in Section 6.01 (including a representation that the successor servicer is a member of MERS, unless none of the Securitized Loans are MERS Securitized Loans or MERS Eligible Securitized Loans or any such Securitized Loans have been withdrawn from MERS and Assignments of Mortgage are recorded in favor of the Trust) and provide for the same remedies set forth in Section 6.02 and Section 6.03 herein (ii) an assumption of the due and punctual performance and observance of each covenant and condition to be performed and observed by the Servicer under this Agreement, whereupon such successor servicer
shall become fully vested with all the rights, powers, duties, responsibilities, obligations and liabilities of the Servicer, with like effect as if originally named as a party to this Agreement.  Any termination or resignation of the Servicer or termination of this Agreement pursuant to Sections 6.02, 7.03, 8.01 or 8.02 shall not affect any claims that the Seller, the Depositor, the Master Servicer, NIMs Insurer or the Trustee may have against the Servicer arising out of the Servicer’s actions or failure to act prior to any such termination or resignation.  In addition, in the event any successor servicer is appointed pursuant to Section 8.03 of this Agreement, such successor servicer must satisfy the conditions relating to the transfer of servicing set forth in the Trust Agreement.

The Servicer shall deliver promptly to the successor servicer the funds in the Custodial Account and Escrow Account and all Securitized Loan documents and related documents and statements held by it hereunder and the Servicer shall account for all funds and shall execute and deliver such instruments and do such other things as may reasonably be required to more fully and definitively vest in the successor all such rights, powers, duties, responsibilities, obligations and liabilities of the Servicer.

 

 

Upon a successor’s acceptance of appointment as such, the Servicer shall notify the Trustee, the Master Servicer, NIMs Insurer, the Seller and the Depositor of such appointment in accordance with the procedures set forth in Section 9.03.

	
             
 	
            Section 9.02
 	
            Costs.
 

The Seller shall pay any legal fees and expenses of its attorneys.  Costs and expenses incurred in connection with the transfer of the servicing responsibilities pursuant to Section 9.01 or pursuant to any other provision of this Agreement, including fees for delivering Servicing Files, shall be paid by the Seller.  Subject to Sections 2.03 and 3.01(a), the Seller shall pay the costs associated with the preparation, delivery and recording of Assignments of Mortgages.

	
             
 	
            Section 9.03
 	
            Notices.
 

All demands, notices, consents, reports, directions, instructions, statements and other communications hereunder shall be in writing and shall be deemed to have been duly given if sent by facsimile or mailed by overnight courier, addressed as follows (or such other address as may hereafter be furnished to the other parties by like notice):

 

	
            (i)
 	
            if to the Seller:
 
	
             
 	
            Home Star Mortgage Services, LLC
 
	
             
 	
            W. 115 Century Road
 
	
             
 	
            Paramus, New Jersey  07652
 
	
             
 	
            Attention: Frank Plenskofski
 
	
             
 	
            Facsimile: (201) 225-2878
 
	
            (ii)
 	
            if to the Servicer:
 
	
             
 	
            Home Star Mortgage Services, LLC
 
	
             
 	
            W. 115 Century Road
 
	
             
 	
            Paramus, New Jersey  07652
 
	
             
 	
            Attention: Frank Plenskofski
 
	
             
 	
            Facsimile: (201) 225-2878
 
	
            (iii)
 	
            if to the Master Servicer:
 
	
             
 	
            Wells Fargo Bank,
 
	
             
 	
            National Association
 
	
             
 	
            9062 Old Annapolis Road
 
	
             
 	
            Columbia, Maryland  21045
 
	
             
 	
            Attention:  Corporate Trust Services — Home Star Master Servicing
 
	
             
 	
            Facsimile: (410) 884-2360
 
	
            (iv)
 	
            if to the Trustee:
 
	
             
 	
            The address shown in the Transfer Notice
 

Any such communication hereunder shall be deemed to have been received on the date delivered to or received at the premises of the addressee.

 

 

	
             
 	
            Section 9.04
 	
            Severability Clause.
 

Any part, provision, representation or warranty of this Agreement which is prohibited or which is held to be void or unenforceable shall be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof.  Any part, provision, representation or warranty of this Agreement which is prohibited or unenforceable or is held to be void or unenforceable in any jurisdiction shall be ineffective, as to such jurisdiction, to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction as to any Securitized Loan shall not invalidate or render unenforceable such provision in any other jurisdiction.  To the extent permitted by applicable law, the parties hereto waive any provision of law which prohibits or renders void or unenforceable any
provision hereof.  If the invalidity of any part, provision, representation or warranty of this Agreement shall deprive any party of the economic benefit intended to be conferred by this Agreement, the parties shall negotiate, in good-faith, to develop a structure the economic effect of which is as close as possible to the economic effect of this Agreement without regard to such invalidity.

	
             
 	
            Section 9.05
 	
            No Personal Solicitation.
 

From and after the related Closing Date, the Servicer hereby agrees that it will not take any action or permit or cause any action to be taken by any of its agents or affiliates, or by any independent contractors or independent mortgage brokerage companies on the Servicer’s behalf, to personally, by telephone or mail, solicit the Mortgagor under any Securitized Loan for the purpose of refinancing such Securitized Loan; provided, that the Servicer may solicit any Mortgagor for whom the Servicer has received a request for verification of mortgage status, a request for demand for payoff, a mortgagor initiated written or verbal communication indicating a desire to prepay the related Securitized Loan, or the mortgagor initiates a title search, provided further, it is understood and agreed that promotions undertaken by the Servicer or any of its affiliates which (i) concern optional
insurance products or other additional projects or (ii) are directed to mailing lists or customers of affiliated companies or the general public at large, including without limitation, mass mailings based on commercially acquired mailing lists, newspaper, radio and television advertisements shall not constitute solicitation under this Section 9.05 nor is the Servicer prohibited from responding to unsolicited requests or inquiries made by a Mortgagor or an agent of a Mortgagor.

	
             
 	
            Section 9.06
 	
            Counterparts.
 

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.

	
             
 	
            Section 9.07
 	
            Place of Delivery and Governing Law.
 

THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, 

 

NOTWITHSTANDING NEW YORK OR OTHER CHOICE OF LAW RULES TO THE CONTRARY.

	
             
 	
            Section 9.08
 	
            Further Agreements.
 

The Seller  and the Servicer each agree to execute and deliver to the other such reasonable and appropriate additional documents, instruments or agreements as may be necessary or appropriate to effectuate the purposes of this Agreement.

	
             
 	
            Section 9.09
 	
            Intention of the Parties.
 

It is the intention of the parties that the Seller  is conveying, and the Servicer is receiving, only a contract for servicing the Securitized Loans.  Accordingly, the parties hereby acknowledge that each Trust remains the sole and absolute owner of the related Securitized Loans and all rights (other than the servicing rights) related thereto.

	
             
 	
            Section 9.10
 	
            Successors and Assigns; Assignment of Servicing Agreement.
 

This Agreement shall bind and inure to the benefit of and be enforceable by the Servicer, the Seller , each Trustee (with respect to related Securitized Loans), the NIMs Insurer and the Master Servicer and their respective successors and assigns.  This Agreement shall not be assigned, pledged or hypothecated by the Servicer to a third party except in accordance with Section 7.03 and shall not be assigned, pledged or hypothecated by the Seller except as and to the extent provided in Section 9.11.

	
             
 	
            Section 9.11
 	
            Assignment by Seller.
 

The Seller shall have the right, with the consent of the NIMs Insurer, upon notice to but without the consent of the Servicer, to assign, in whole or in part (but exclusive of such Seller’s rights and obligations as owner of the servicing rights relating to Securitized Loans), its interest under this Agreement with respect to Securitized Loans which will be owned by the related Trust to the related Depositor, which in turn shall assign such rights to such Trust, and such Trust then shall succeed to all such rights of the Seller under this Agreement.  All references to the Seller in this Agreement shall be deemed to include its assignee or designee and any subsequent assignee or designee, specifically including, with respect to each Securitized Loan, the related Trust and the related Trustee.

	
             
 	
            Section 9.12
 	
            Amendment.
 

This Agreement may be amended in writing from time to time by the parties, with the prior written consent of the Trustee and the NIMs Insurer; provided that the party requesting such amendment shall, at its own expense, provide the other parties and such Trustee and the NIMs Insurer with an Opinion of Counsel that (i)such amendment is permitted under the terms of this Agreement, (ii) the Servicer has complied with all applicable requirements of this Agreement, and (iii)) such amendment will not materially adversely affect the interest of any Trust or the related Certificateholders in the Securitized Loans.

 

 

Any such amendment shall be deemed not to adversely affect in any material respect any of the interest of Certificateholders in the Securitized Loans if each related Trustee and the NIMs Insurer receives written confirmation from the applicable Rating Agency or Rating Agencies that such amendment will not cause such Rating Agency or Rating Agencies to reduce, qualify or withdraw the then current rating assigned to the related Certificates (and any Opinion of Counsel requested by a party in connection with any such amendment may rely expressly on such confirmation as the basis therefor).

	
             
 	
            Section 9.13
 	
            Waivers.
 

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

	
             
 	
            Section 9.14
 	
            Exhibits.
 

The exhibits to this Agreement are hereby incorporated and made a part hereof and are an integral part of this Agreement.

	
             
 	
            Section 9.15
 	
            Intended Third Party Beneficiary.
 

Notwithstanding any provision herein to the contrary, the parties to this Agreement agree that it is appropriate, in furtherance of the intent of such parties as set forth herein, that each Trustee, each Trust and each NIMs Insurer receive the benefit of the provisions of this Agreement as an intended third party beneficiary of this Agreement to the extent of such provisions with respect to the related Securitized Loans.  The Servicer shall have the same obligations to the related Trustee, the related Trust and the related NIMs Insurer as if it were a party to this Agreement, and each Trustee, Trust and NIMs Insurer shall have the same rights and remedies to enforce the provisions of this Agreement as if it were a party to this Agreement.  The Servicer shall only take direction from the Master Servicer or NIMs Insurer (if direction by the Master Servicer or NIMs Insurer, as applicable,
is required under this Agreement) unless otherwise directed by this Agreement.  Notwithstanding the foregoing, all rights and obligations of a Trust, the related Trustee, the related NIMs Insurer and the Master Servicer hereunder (other than the right to indemnification) with respect to the related Securitized Loans shall terminate upon the termination of such Trust pursuant to the related Trust Agreement.

	
             
 	
            Section 9.16
 	
            Confidentiality.
 

The Trustee and the Master Servicer hereby agree to hold and treat all Confidential Information (as defined below) in confidence and in accordance with this Section 9.16.  Such Confidential Information will not, without the prior written consent of the Servicer, be disclosed or used by any Trustee or the Master Servicer or by its subsidiaries, affiliates, directors, officers, employees, agents or controlling persons (collectively, the “Information Recipients”) other than for the purposes of this Agreement or for the purposes specified in the related Trust Agreement.  Disclosure that is not in violation of the Right to Financial Privacy Act of 1978, as amended, the Gramm-Leach-Bliley Act of 1999 (the “G-L-B Act”) or other applicable law by the Trustee or the Master Servicer of any Confidential Information at the request of its outside auditors or governmental
regulatory authorities in connection with an examination of any Trustee or the 

 

Master Servicer by any such authority or for the purposes specified in any Trust Agreement or this Agreement shall not constitute a breach of its obligations under this Section 9.19, and shall not require the prior consent of the Servicer.

As used herein, “Confidential Information” means non-public personal information (as defined in the G-L-B Act and its enabling regulations issued by the Federal Trade Commission) regarding borrowers.  Confidential  Information shall not include information which (i) is or becomes generally available to the public other than as a result of disclosure by a Trustee or the Master Servicer or any of its Information Recipients; (ii) was available to the related Trustee or the Master Servicer on a non-confidential basis from a person or entity other than the Servicer prior to its disclosure by the Servicer to such Trustee; (iii) is required to be disclosed by a governmental authority or related governmental agencies or as otherwise required by law; (iv) becomes available to the related Trustee or the Master Servicer on a non-confidential basis from a person or entity other than the
Servicer who, to the best knowledge of the related Trustee or the Master Servicer, is not otherwise bound by a confidentiality agreement with the Servicer, and is not otherwise prohibited from transmitting the information to such Trustee or the Master Servicer, or (v) is released pursuant to the Trust Agreement or this Agreement.

	
             
 	
            Section 9.17
 	
            General Interpretive Principles.
 

For purposes of this Agreement, except as otherwise expressly provided or unless the context otherwise requires:

(a)         the terms defined in this Agreement have the meanings assigned to them in this Agreement and include the plural as well as the singular, and the use of any gender herein shall be deemed to include the other gender;

(b)         accounting terms not otherwise defined herein have the meanings assigned to them in accordance with generally accepted accounting principles;

(c)         references herein to “Articles”, “Sections”, “Subsections”, “Paragraphs”, and other subdivisions without reference to a document are to designated Articles, Sections, Subsections, Paragraphs and other subdivisions of this Agreement;

(d)         a reference to a Subsection without further reference to a Section is a reference to such Subsection as contained in the same Section in which the reference appears, and this rule shall also apply to Paragraphs and other subdivisions;

(e)         the words “herein”, “hereof”, “hereunder” and other words of similar import refer to this Agreement as a whole and not to any particular provision;

	
             
 	
            (f)
 	
            the term “include” or “including” shall mean by reason of enumeration; and
 

(g)         this Agreement shall be construed as a separate agreement with respect to the Securitized Loans held by each Trust, and references to the rights of the Master Servicer, Trustee or any NIMs Insurer shall apply separately with respect to each Trust.

 

 

	
             
 	
            Section 9.18
 	
            Reproduction of Documents.
 

This Agreement and all documents relating thereto, including, without limitation, (a) consents, waivers and modifications which may hereafter be executed, (b) documents received by any party at the closing, and (c) financial statements, certificates and other information previously or hereafter furnished, may be reproduced by any photographic, photostatic, microfilm, micro-card, miniature photographic or other similar process.  The parties agree that any such reproduction shall be as admissible in evidence as the original itself in any judicial or administrative proceeding, whether or not the original is in existence and whether or not such reproduction was made by a party in the regular course of business, and that any enlargement, facsimile or further reproduction of such reproduction shall likewise be admissible in evidence.

 

 

IN WITNESS WHEREOF, the parties hereto have caused their names to be signed hereto by their respective officers thereunto duly authorized as of the date first above written.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            HOME STAR MORTGAGE SERVICES, LLC,

as Seller
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            HOME STAR MORTGAGE SERVICES, LLC,

as Servicer
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            WELLS FARGO BANK, NATIONAL ASSOCIATION,

as Master Servicer
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 

 

 

 

EXHIBIT A

FORM OF TRANSFER NOTICE

[DATE]

Home Star Mortgage Services, LLC, as Servicer

W. 115 Century Road

Paramus, New Jersey  07652

Cenlar FSB, as Sub-Servicer

P.O. Box 77400

425 Phillips Boulevard

Trenton, New Jersey 08628

You are hereby notified that as of [date] (the “Effective Date”), the undersigned has transferred the Securitized Loans listed on the attached schedule (the “Securitized Loans”) to Homestar Mortgage Securities Trust 200_ - __ (the “Trust”).  The attached schedule also contains a field which sets forth the Servicing Fee Rate(s) and the Prepayment Charge Schedule.  You agree to service such Securitized Loans as Securitized Loans under that certain Servicing Agreement dated as of March 5, 2004 (the “Servicing Agreement”), by and among Home Star Mortgage Services, LLC (“Home Star”), as servicer (the “Servicer”), Home Star, as seller (the “Seller”) and Wells Fargo Bank, National Association, as master servicer (the “Master Servicer”), and that certain Sub-Servicing Acknowledgment Agreement dated of even date therewith (the
“Sub-Servicing Agreement”), by and between the Servicer and Cenlar FSB (the “Sub-Servicer”).  In addition, you shall recognize the Trust or the Master Servicer or ____________________ (the “Trustee”), acting as agents for the Trust, as having the same rights as Home Star as Seller under the Servicng Agreement with respect to such transferred Securitized Loans.  The address for notice for the Trustee for these Securitized Loans is __________________________________.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            HOME STAR MORTGAGE SERVICES, LLC, as

Seller

 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 

 

 

 

Acknowledged by:

HOME STAR MORTGAGE SERVICES, LLC, as Servicer

By:

Name:

Title:

CENLAR FSB, as Sub-Servicer

By:

Name:

Title:

 

 

EXHIBIT B

CUSTODIAL ACCOUNT LETTER AGREEMENT

	
             
 	
            _______ __, 20__
 
	
            To:
 	
            ___________________________
 	
             

				

___________________________

___________________________

(the “Depository”)

As Servicer under the Servicing Agreement, dated as of March 5, 2004, by and among Home Star Mortgage Services, LLC (“Home Star”), as servicer (the “Servicer”), Home Star, as seller (the “Seller”) and Wells Fargo Bank, National Association, as master servicer (the “Master Servicer”) (the “Agreement”), we hereby authorize and request you to establish an account as the Custodial Account pursuant to Section 3.03 of the Agreement, to be designated as “Home Star Mortgage Services, LLC, as Servicer for Wells Fargo Bank, National Association, as Master Servicer, and in trust for one or more Homestar Mortgage Securities Trusts.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer.  This letter is submitted to you in duplicate.  Please execute and return one original to us.

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            HOME STAR MORTGAGE SERVICES, LLC, as Servicer
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 

 

 

The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number __________, at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Depository
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Date:
 	
             
 

 

 

 

EXHIBIT C

ESCROW ACCOUNT LETTER AGREEMENT

	
             
 	
            _______ __, 20__
 
	
            To:
 	
            ___________________________
 	
             

				

___________________________

___________________________

(the “Depository”)

As Servicer under the Servicing Agreement, dated as of March 5, 2004, by and among Home Star Mortgage Services, LLC (“Home Star”), as servicer (the “Servicer”), Home Star, as seller (the “Seller”) and Wells Fargo Bank, National Association, as master servicer (the “Master Servicer”) (the “Agreement”), we hereby authorize and request you to establish an account as the Escrow Account pursuant to Section 3.05 of the Agreement, to be designated as “Home Star Mortgage Services, LLC, as Servicer for Wells Fargo Bank, National Association, as Master Servicer, and in trust for one or more Homestar Mortgage Securities Trusts.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer.  This letter is submitted to you in duplicate.  Please execute and return one original to us.

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            HOME STAR MORTGAGE SERVICES, LLC, as Servicer
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 

 

 

The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number __________, at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Depository
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Date:
 	
             
 

 

 

 

EXHIBIT D

MONTHLY SERVICER REPORTING FORMAT

The format should be:

	
            1.
 	
            Record length of 240
 	
             

	
            2.
 	
            ASCII
 	
             

	
            3.
 	
            All dates should have DD of “01”.
 
				

COBOL

	
            #
 	
            M/O
 	
            Field Name
 	
            Position
 	
            Length
 	
            “Picture”
 	
            Justify
 
	
            1.
 	
            O
 	
            Master Servicer No.
 	
            001-002
 	
            2
 	
             
 	
             
 
	
            2.
 	
            O
 	
            Unit Code
 	
            003-004
 	
            2
 	
             
 	
             
 
	
            3.
 	
            M
 	
            Loan Number
 	
            005-014
 	
            10
 	
            X(10)
 	
             
 
	
            4.
 	
            O
 	
            Borrower Name
 	
            015-034
 	
            20
 	
            X(20)
 	
             
 
	
            5.
 	
            O
 	
            Old Payment Amount
 	
            035-045
 	
            11
 	
            S(9)V9(02)
 	
             
 
	
            6.
 	
            O
 	
            Old Loan Rate
 	
            046-051
 	
            6
 	
            9(2)V9(04)
 	
             
 
	
            7.
 	
            O
 	
            Servicer Fee Rate
 	
            052-057
 	
            6
 	
            9(2)V9(04)
 	
             
 
	
            8.
 	
            M
 	
            Servicer Ending Balance
 	
            058-068
 	
            11
 	
            S9(9)V9(02)
 	
             
 
	
            9.
 	
            M
 	
            Servicer Next Due Date
 	
            069-076
 	
            8
 	
            CCYYMMDD
 	
             
 
	
            10.
 	
            O
 	
            Curtail Amt 1 - Before
 	
            077-087
 	
            11
 	
            S9(9)V9(02)
 	
             
 
	
            11.
 	
            O
 	
            Curtail Date 1
 	
            088-095
 	
            8
 	
            CCYYMMDD
 	
             
 
	
            12.
 	
            O
 	
            Curtail Amt 1 - After
 	
            096-106
 	
            11
 	
            S9(9)V9(02)
 	
             
 
	
            13
 	
            O
 	
            Curtail Amt 2 - Before
 	
            107-117
 	
            11
 	
            S9(9)V9(02)
 	
             
 
	
            14.
 	
            O
 	
            Curtail Date
 	
            118-125
 	
            8
 	
            CCYYMMDD
 	
             
 
	
            15.
 	
            O
 	
            Curtail Amt 2 - After
 	
            126-136
 	
            11
 	
            9(9)V9(02)
 	
             
 
	
            16.
 	
            O
 	
            Curtail Amt 3 - Before
 	
            137-147
 	
            11
 	
            9(9)V9(02)
 	
             
 
	
            17.
 	
            O
 	
            Curtail Date
 	
            148-155
 	
            8
 	
            CCYYMMDD
 	
             
 
	
            18
 	
            O
 	
            Curtail Amt 3 - After
 	
            156-166
 	
            11
 	
            9(9)V9(02)
 	
             
 
	
            19
 	
            O
 	
            New Payment Amount
 	
            167-177
 	
            11
 	
            9(9)V9(02)
 	
             
 
	
            20.
 	
            O
 	
            New Loan Rate
 	
            178-183
 	
            6
 	
            (2)V9(04)
 	
             
 
	
            21.
 	
            O
 	
            Index Rate
 	
            184-189
 	
            6
 	
            (2)V9(04)
 	
             
 
	
            22.
 	
            O
 	
            Remaining Term
 	
            190-192
 	
            3
 	
            (3)
 	
             
 
	
            23.
 	
            O
 	
            Liquidation Amount
 	
            193-203
 	
            11
 	
            9(9)V9(02)
 	
             
 
	
            24.
 	
            O
 	
            Action Code
 	
            204-205
 	
            2
 	
            (02)
 	
             
 
	
            25.
 	
            O
 	
            Scheduled Principal
 	
            206-216
 	
            11
 	
            9(9)V9(02)
 	
             
 
	
            26.
 	
            O
 	
            Scheduled Interest
 	
            217-227
 	
            11
 	
            9(9)V9(02)
 	
             
 
	
            27.
 	
            O
 	
            Scheduled Ending Balance
 	
            228-238
 	
            11
 	
            9(9)V9(02)
 	
             
 
	
            28.
 	
            O
 	
            FILLER
 	
            239-240
 	
            2
 	
            (02)
 	
             
 

Trailer Record

	
            1.
 	
            O
 	
            Number of Records
 	
            001-006
 	
            6
 	
            9(06)
 
	
            2.
 	
            O
 	
            FILLER
 	
            007-240
 	
            234
 	
            X(234)
 

 

 

Field Names and Descriptions:

	
            Field Name
 	
            Description
 
	
            Master Servicer No.
 	
            Hard code as “01” used internally
 
	
            Unit Code
 	
            Hard code as “  “ used internally
 
	
            Loan Number
 	
            Investor’s loan number
 
	
            Borrower Name
 	
            Last name of borrower
 
	
            Old Payment Amount
 	
            P&I amount used for the applied payment
 
	
            Old Loan Rate
 	
            Gross interest rate used for the applied payment
 
	
            Servicer Fee Rate
 	
            Servicer’s fee rate
 
	
            Servicer Ending Balance
 	
            Ending actual balance after a payment has been applied
 
	
            Servicer Next Due Date
 	
            Borrower’s next due date for a payment
 
	
            Curtailment Amount 1 - Before
 	
            Amount of curtailment applied before the payment
 
	
            Curtailment Date 1 
 	
            Date of curtailment should coincide with the payment date applicable to the curtailment
 
	
            Curtailment Amount 1 - After
 	
            Amount of curtailment applied after the payment
 
	
            Curtailment Amount 2 - Before
 	
            Amount of curtailment applied before the payment
 
	
            Curtailment Date 2 
 	
            Date of curtailment should coincide with the payment date applicable to the curtailment
 
	
            Curtailment Amount 2 - After
 	
            Amount of curtailment applied after the payment
 
	
            Curtailment Amount 3 - Before
 	
            Amount of curtailment applied before the payment
 
	
            Curtailment Date 3 
 	
            Date of curtailment should coincide with the payment date applicable to the curtailment
 
	
            Curtailment Amount 3 - After
 	
            Amount of curtailment applied after the payment
 
	
            New Payment Amount
 	
            For ARM, Equal, or Buydown loans, when a payment change occurs, this is the scheduled payment
 
	
            New Loan Rate
 	
            For ARM loans, when the gross interest rate change occurs, this is the scheduled rate
 

 

 

 

 

	
            Index Rate
 	
            For ARM loans, the index rate used in calculating the new gross interest rate
 
	
            Remaining Term
 	
            For ARM loans, the number of months left on the loan used  to determine the new P&I amount
 
	
            Liquidation Amount
 	
            The payoff amount of the loan
 
	
            Action Code
 	
            For delinquent loans:
 
	
             
 	
            12 — Relief Provisions
 
	
             
 	
            15 — Bankruptcy/Litigation
 
	
             
 	
            20 — Referred for Deed-in-lieu, short sale
 
	
             
 	
            30 — Referred to attorney to begin foreclosure
 
	
             
 	
            60 — Loan Paid in full
 
	
             
 	
            70 — Real Estate Owned
 
	
            Scheduled Principal
 	
            Amount of principal from borrower payment due to  bondholder
 
	
            Scheduled Interest
 	
            Amount of interest from borrower payment due to bondholder
 
	
            Scheduled Ending Balance
 	
            Ending scheduled balance of loan
 
	
            FILLER
 	
            Should be filled with spaces
 

 

 

 

 

 

 

 

EXHIBIT E

Wells Fargo Bank Master Servicing Default Reporting

DATA FIELD REQUIREMENTS

Data must be submitted to Wells Fargo Bank in an Excel spreadsheet format with fixed field names and data type. The Excel spreadsheet should be used as a template consistently every month when submitting data.

Table: Delinquency

	
            Name
 	
            Type
 	
            Character Size
 
	
            Servicer Loan #
 	
            Number (Double) 
 	
            10
 
	
            Investor Loan # 
 	
            Number (Double) 
 	
            10
 
	
            Servicer Investor # 
 	
            Text 
 	
            3
 
	
            Borrower Name 
 	
            Text 
 	
            20
 
	
            Address 
 	
            Text 
 	
            30
 
	
            State 
 	
            Text 
 	
            2
 
	
            Zip 
 	
            Text 
 	
            10
 
	
            Due Date 
 	
            Date/Time
 	
            8
 
	
            Wells Fargo Action Code 
 	
            Text
 	
            2
 
	
            FC Approval Date 
 	
            Date/Time
 	
            8
 
	
            File Referred to Attorney 
 	
            Date/Time
 	
            8
 
	
            NOD 
 	
            Date/Time
 	
            8
 
	
            Complaint Filed 
 	
            Date/Time
 	
            8
 
	
            Sale Published 
 	
            Date/Time
 	
            8
 
	
            Target Sale Date 
 	
            Date/Time
 	
            8
 
	
            Actual Sale Date 
 	
            Date/Time
 	
            8
 
	
            Loss Mit Approval Date 
 	
            Date/Time
 	
            8
 
	
            Loss Mit Type 
 	
            Text
 	
            5
 
	
            Loss Mit Code 
 	
            Number
 	
            2
 
	
            Loss Mit Estimated Completion Date 
 	
            Date/Time
 	
            8
 
	
            Loss Mit Actual Completion Date 
 	
            Date/Time
 	
            8
 
	
            Loss Mit Broken Plan Date 
 	
            Date/Time
 	
            8
 
	
            BK Chapter 
 	
            Text
 	
            6
 
	
            BK Filed Date 
 	
            Date/Time
 	
            8
 
	
            Post Petition Due 
 	
            Date/Time
 	
            8
 
	
            Motion for Relief 
 	
            Date/Time
 	
            8
 
	
            Lift of Stay 
 	
            Date/Time
 	
            8
 
	
            Reason For Delinquency 
 	
            Text
 	
            10
 
	
            Occupant Code 
 	
            Text
 	
            10
 
	
            Eviction Start Date 
 	
            Date/Time
 	
            8
 
	
            Eviction Completed Date 
 	
            Date/Time
 	
            8
 
	
            List Price 
 	
            Currency
 	
            8
 
	
            List Date 
 	
            Date/Time
 	
            8
 
	
            Accepted Offer Price 
 	
            Currency
 	
            8
 

 

 

 

 

	
            Accepted Offer Date 
 	
            Date/Time
 	
            8
 
	
            Estimated REO Effective Date
 	
            Date/Time
 	
            8
 
	
            Actual REO Sale Date 
 	
            Date/Time
 	
            8
 
	
            Servicer Comments 
 	
            Text
 	
            200
 
	
            Modification Exp. Date 
 	
            Date/Time
 	
            8
 
	
            Fannie Mae Del. Status Code 
 	
            Text
 	
            2
 
	
            Fannie Mae Del. Reason Code 
 	
            Text
 	
            2
 
	
            BK Discharge/Dismissal Date 
 	
            Date/Time
 	
            8
 
	
            Property Damage Date 
 	
            Date/Time
 	
            8
 
	
            Property Repair Amount 
 	
            Currency
 	
            8
 
	
            BK Hearing Date 
 	
            Date/Time
 	
            8
 
	
            POC Date 
 	
            Date/Time 
 	
            8
 
	
            POC Amount 
 	
            Currency
 	
            8
 
	
            BK Case Number 
 	
            Text
 	
            30 Maximum
 
	
            F/C Sale Amount 
 	
            Currency
 	
            8
 
	
            Redemption Exp. Date 
 	
            Date/Time
 	
            8
 
	
            Property Value Date 
 	
            Date/Time
 	
            8
 
	
            Current Property Value 
 	
            Currency
 	
            8
 
	
            Repaired Property Value 
 	
            Currency
 	
            8
 
	
            BPO Y/N 
 	
            Text
 	
            1
 
	
            Current LTV 
 	
            Currency
 	
            8
 
	
            Property Condition Code 
 	
            Text
 	
            2
 
	
            Property Inspection Date 
 	
            Date/Time 
 	
            8
 
	
            MI Cancellation Date 
 	
            Date/Time 
 	
            8
 
	
            MI Claim Filed Date 
 	
            Date/Time 
 	
            8
 
	
            MI Claim Amount 
 	
            Currency
 	
            8
 
	
            MI Claim Reject Date 
 	
            Date/Time 
 	
            8
 
	
            MI Claim Resubmit Date 
 	
            Date/Time
 	
            8
 
	
            MI Claim Paid Date 
 	
            Date/Time
 	
            8
 
	
            MI Claim Amount Paid 
 	
            Currency
 	
            8
 
	
            Pool Claim Filed Date 
 	
            Date/Time
 	
            8
 
	
            Pool Claim Amount 
 	
            Currency
 	
            8
 
	
            Pool Claim Reject Date 
 	
            Date/Time
 	
            8
 
	
            Pool Claim Paid Date 
 	
            Date/Time
 	
            8
 
	
            Pool Claim Amount Paid 
 	
            Currency
 	
            8
 
	
            Pool Claim Resubmit Date 
 	
            Date/Time 
 	
            8
 
	
            FHA Part A Claim Filed Date 
 	
            Date/Time 
 	
            8
 
	
            FHA Part A Claim Amount 
 	
            Currency
 	
            8
 
	
            FHA Part A Claim Paid Date 
 	
            Date/Time
 	
            8
 
	
            FHA Part A Claim Paid Amount 
 	
            Currency
 	
            8
 
	
            FHA Part B Claim Filed Date 
 	
            Date/Time
 	
            8
 
	
            FHA Part B Claim Amount 
 	
            Currency
 	
            8
 
	
            FHA Part B Paid Date 
 	
            Date/Time
 	
            8
 
	
            FHA Part B Claim Paid Amount 
 	
            Currency
 	
            8
 
	
            V A Claim Filed Date 
 	
            Date/Time
 	
            8
 

 

 

 

 

	
            V A Claim Paid Date 
 	
            Date/Time
 	
            8
 
	
            V A Claim Paid Amount 
 	
            Currency
 	
            8
 

The Action Code Field should show the applicable numeric code to indicate that a special action is being taken.  The Action Codes are the following:

12-Relief Provisions (i.e. Sailors & Soldiers Relief Act)

15-Bankruptcy/Litigation

20-Loss Mitigation-Workout

30-Referred for Foreclosure

60-Payoff

65-Repurchase

70-REO-Held for Sale

71- Third Party Sale/Condemnation

72-REO-Pending Conveyance-Pool Insurance claim filed

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

Description of Action Codes:

Action Code 12- To report a Securitized Loan for which the Borrower has been granted relief for curing a delinquency.

Action Code 15 - To report a borrower filing bankruptcy and for all active bankruptcies.

Action Code 20 - To report that the Borrower has agreed to some form of loss mitigation/workout.  Examples of these include Short Sale, Deed-in-Lieu of Foreclosure, Formal Forbearance Agreements, Modifications, etc.

Action Code 30 - To report a loan that has been referred to attorney for foreclosure.

Action Code 60 - To report that a Securitized Loan has been paid in full either at, or prior to, maturity.

Action Code 65- To report that the Servicer is repurchasing the Securitized Loan.

Action Code 70 -To report that a Securitized Loan has been foreclosed or a deed-in-lieu of foreclosure has been accepted, and the Servicer, on behalf of the owner of the Securitized Loan, has acquired the property and may dispose of it.

Action Code 71 -To report that a Securitized Loan has been foreclosed and a third party acquired the property, or a total condemnation of the property has occurred.

 

 

Action Code 72 -To report that a Securitized Loan has been foreclosed, or a deed-in-lieu has been accepted, and the property may be conveyed to the mortgage insurer and the pool insurance claim has been filed.  Also to be used for completed HUDNA foreclosures where the property is pending conveyance to HUDNA.

The Loss Mit Type field should show the approved Loss Mitigation arrangement. The following are acceptable:

*******

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

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

The Occupant Code field should show the current status of the property. The acceptable codes are:

	
            •l
 	
            Mortgagor
 
	
            •
 	
            Tenant
 
	
            •
 	
            Unknown
 
	
            •
 	
            Vacant
 

 

 

 

The RFD field should show the Reason for Default. The acceptable codes are below, or we can accept Fannie Mae Delinquency Reason Codes.

	
            Delinquency Code 
 	
            Delinquency Description
 
	
            AB 
 	
            Abandonment of property
 
	
            AA 
 	
            Arm Adjustment Problem
 
	
            BK 
 	
            Bankruptcy
 
	
            06 
 	
            Borrower Complaint
 
	
            BOC 
 	
            Borrower Out of Country
 
	
            BU 
 	
            Business Failure
 
	
            CL 
 	
            Casualty Loss
 
	
            JC 
 	
            Change in Job
 
	
            CD 
 	
            Chronic Delinquent
 
	
            CSP 
 	
            Chronic Slow Pay
 
	
            CI 
 	
            Commission Income
 
	
            DIF 
 	
            Death in Family
 
	
            08 
 	
            Deceased
 
	
            00 
 	
            Defective Loan
 
	
            DT 
 	
            Delinquent Property Tax
 
	
            FIRE 
 	
            Disability
 
	
            DS 
 	
            Disregard
 
	
            Dl 
 	
            Divorce
 
	
            DD 
 	
            Domestic Difficulties
 
	
            EA 
 	
            Earthquake
 
	
            ENV 
 	
            Environmental
 
	
            ECO 
 	
            Excessive Credit Obligation
 
	
            FA 
 	
            Family Death
 
	
            FE 
 	
            Family Emergency
 
	
            FI 
 	
            Family Illness
 
	
            FD 
 	
            Financial Difficulty
 
	
            05 
 	
            Foreclosure or Borrower moved or skipped
 
	
            FFP 
 	
            Formal Forbearance Plan
 
	
            FR 
 	
            Fraud
 
	
            G 
 	
            Garnishment
 
	
            HU 
 	
            Hurricane
 
	
            IT 
 	
            Illegal Transfer
 
	
            B1 
 	
            Illness of Borrower
 
	
            IP 
 	
            Inability to Sell Property
 
	
            IC 
 	
            Incarcerated
 
	
            IN 
 	
            Income Reduction
 
	
            LIT 
 	
            Involved in Litigation
 
	
            IRS 
 	
            IRS Lien
 
	
            JD 
 	
            Judgment
 
	
            LB 
 	
            Language Barrier
 
	
            LM 
 	
            Legal Matter
 
	
            LS 
 	
            Legal Separation
 
	
            MA 
 	
            Marital Difficulties
 

 

 

 

 

	
            ME 
 	
            Medical
 
	
            03 
 	
            Medical/Illness in Family
 
	
            MD 
 	
            Mortgagor Death
 
	
            ND 
 	
            Natural Disaster
 
	
            NC 
 	
            No Contact with borrower
 
	
            NSF 
 	
            Non Sufficient Funds
 
	
            09 
 	
            Other
 
	
            01 
 	
            Over Obligated
 
	
            OV 
 	
            Overextended
 
	
            PAD 
 	
            Payment Dispute
 
	
            PP 
 	
            Payment Plan Established
 
	
            POP 
 	
            Payoff Pending
 
	
            PE 
 	
            Pending Sale
 
	
            PS 
 	
            Previous Servicer Problem
 
	
            PB 
 	
            Promise to Pay Broken
 
	
            PR 
 	
            Property Damage
 
	
            PD 
 	
            Property Devaluation
 
	
            REFI 
 	
            Refinance Pending
 
	
            RELO 
 	
            Relocation (Job Related)
 
	
            JRP 
 	
            Relocation (Personal)l
 
	
            RE 
 	
            Rental
 
	
            10 
 	
            REO
 
	
            SI 
 	
            Seasonal Income
 
	
            SE 
 	
            Self Employed
 
	
            SP 
 	
            Servicing Problems
 
	
            SR 
 	
            Slow Receivables
 
	
            02 
 	
            Unemployed/Reduced Income
 
	
            UE 
 	
            Unemployment
 
	
            UK 
 	
            Unknown
 
	
            UTP 
 	
            Unwilling to Pay
 

 

 

 

EXHIBIT F

WELLS FARGO BANK, N.A.

Form 332

Calculation of Realized Loss

Purpose

To provide the Servicer with a form for the calculation of any Realized Loss (or gain) as a result of a Securitized Loan having been foreclosed and Liquidated.

Distribution

The Servicer will prepare the form in duplicate and send the original together with evidence of conveyance of title and appropriate supporting documentation to the Master Servicer with the Monthly Accounting Reports which supports the Securitized Loan’s removal from the Securitized Loan Activity Report.  The Servicer will retain the duplicate for its own records.

Due Date

With respect to any liquidated Securitized Loan, the form will be submitted to the Master Servicer no later than the date on which statements are due to the Master Servicer under Section 4.02 of this Agreement (the “Statement Date”) in the month following receipt of final liquidation proceeds and supporting documentation relating to such liquidated Securitized Loan; provided, that if such Statement Date is not at least 30 days after receipt of final liquidation proceeds and supporting documentation relating to such liquidated Securitized Loan, then the form will be submitted on the first Statement Date occurring after the 30th day following receipt of final liquidation proceeds and supporting documentation.

Preparation Instructions

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

	
            1.
 	
            The actual Unpaid Principal Balance of the Securitized Loan.
 
	
            2.
 	
            The Total Interest Due less the aggregate amount of servicing fee that would have been earned if all delinquent payments had been made as agreed.
 
	
            3-7.
 	
            Complete as necessary.  All line entries must be supported by copies of appropriate statements, vouchers, receipts, canceled checks, etc., to document the expense.  Entries not properly documented will not be reimbursed to the Servicer.
 
	
            8.
 	
            Accrued Servicing Fees based upon the Scheduled Principal Balance of the Securitized Loan as calculated on a monthly basis.
 
	
            10.
 	
            The total of lines 1 through 9.
 

Credits

 

 

 

 

	
            11-17.
 	
            Complete as necessary.  All line entries must be supported by copies of the appropriate claims forms, statements, payment checks, etc.  to document the credit.  If the Securitized Loan is subject to a Bankruptcy Deficiency, the difference between the Unpaid Principal Balance of the Note prior to the Bankruptcy Deficiency and the Unpaid Principal Balance as reduced by the Bankruptcy Deficiency should be input on line 16.
 
	
            18.
 	
            The total of lines 11 through 17.
 

Total Realized Loss (or Amount of Any Gain)

	
            19.
 	
            The total derived from subtracting line 18 from 10.  If the amount represents a realized gain, show the amount in parenthesis (   )
 

 

 

 

WELLS FARGO BANK, N.A.

CALCULATION OF REALIZED LOSS

WELLS FARGO BANK, N.A. Trust:  ___________________________

	
            Prepared by:  __________________
 	
            Date:  _______________
 

Phone:  ______________________

	
            Servicer Loan No.
 	
            Servicer Name
 	
            Servicer Address
 

WELLS FARGO BANK, N.A.

Loan No._____________________________

Borrower’s Name:________________________________________________________

Property

Address:________________________________________________________________

Liquidation and Acquisition Expenses:

	
            Actual Unpaid Principal Balance of Securitized Loan
 	
            $ _______________(1)
 
	
            Interest accrued at Net Rate
 	
            ________________(2)
 
	
            Attorney’s Fees
 	
            ________________(3)
 
	
            Taxes
 	
            ________________(4)
 
	
            Property Maintenance
 	
            ________________(5)
 
	
            MI/Hazard Insurance Premiums
 	
            ________________(6)
 
	
            Hazard Loss Expenses
 	
            ________________(7)
 
	
            Accrued Servicing Fees
 	
            ________________(8)
 
	
            Other (itemize)
 	
            ________________(9)
 
	
            _________________________________________
 	
            $ _________________
 
	
            _________________________________________
 	
            __________________
 
	
            _________________________________________
 	
            __________________
 
	
            _________________________________________
 	
            __________________
 
	
            Total Expenses
 	
            $ ______________(10)
 
	
            Credits:
 	
             
 
	
            Escrow Balance
 	
            $ ______________(11)
 
	
            HIP Refund
 	
            ________________(12)
 
	
            Rental Receipts
 	
            ________________(13)
 
	
            Hazard Loss Proceeds
 	
            ________________(14)
 
	
            Primary Mortgage Insurance Proceeds
 	
            ________________(15)
 
	
            Proceeds from Sale of Acquired Property
 	
            ________________(16)
 
	
            Other (itemize)
 	
            ________________(17)
 
	
            _________________________________________
 	
            ___________________
 
	
            _________________________________________
 	
            ___________________
 
	
            Total Credits
 	
            $________________(18)
 
	
            Total Realized Loss (or Amount of Gain)
 	
            $________________(19)
 

 

 

 

EXHIBIT N

CUSTODIAL AGREEMENT

THIS CUSTODIAL AGREEMENT (as amended and supplemented from time to time, the “Agreement”), dated as of November 29, 2005, by and among HSBC BANK USA, NATIONAL ASSOCIATION, not individually but solely as trustee under the Pooling and Servicing Agreement defined below (including its successors under the Pooling and Servicing Agreement defined below, the “Trustee”), OPTEUM MORTGAGE ACCEPTANCE CORPORATION, as depositor (together with any successor in interest, the “Company”), WELLS FARGO BANK, N.A., as master servicer and securities administrator (together with any successor in interest or successor under the Pooling and Servicing Agreement referred to below, the “Master Servicer”) and WELLS FARGO BANK, N.A., as custodian (together with any successor in interest or any successor appointed hereunder, the “Custodian”).

WITNESSETH THAT:

WHEREAS, the Company, the Master Servicer, the Securities Administrator and the Trustee have entered into a Pooling and Servicing Agreement, dated as of November 1, 2005, relating to the issuance of OMAC  Mortgage  Trust 2005-5, Asset-Backed Pass-Through Certificates, Series 2005-5 (as in effect on the date of this Agreement, the “Original Pooling and Servicing Agreement,” and as amended and supplemented from time to time, the “Pooling and Servicing Agreement’); and

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

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

SECTION 1.

DEFINITIONS

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

SECTION 2.

CUSTODY OF MORTGAGE DOCUMENTS

2.1         Custodian to Act as Agent: Acceptance of Mortgage Files.  The  Custodian, as the duly appointed custodial agent of the Trustee for these purposes, acknowledges (subject to any exceptions noted in the Initial Certification referred to in Section 2.3(a)), receipt of the Mortgage Files relating to the Mortgage Loans identified on the schedule attached hereto 

 

(the “Mortgage Files”) and declares that it holds and will hold such Mortgage Files as agent for the Trustee, in trust, for the use and benefit of all present and future Certificateholders.

2.2         Recordation of Assignments. Within 30 days after the Closing Date, the Company shall complete or cause to be completed the Assignments in the name of “HSBC Bank USA, National Association, as trustee under the Pooling and Servicing Agreement relating to Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5” (or shall prepare or cause to be prepared new forms of Assignment in the name of the Trustee).  For each Mortgaged Property in a state, if any, which is specifically excluded from the Opinion of Counsel delivered by the Company to the Trustee and the Custodian, each such Assignment shall be recorded in the appropriate public office for real property records, and returned to the Custodian, at no expense to the Custodian.

	
             
 	
            2.3
 	
            Review of Mortgage Files.
 

(a)          On or prior to the Closing Date, in accordance with Section 2.02 of the Pooling and Servicing Agreement, the Custodian shall deliver to the Trustee an Initial Certification in the form annexed hereto as Exhibit One evidencing receipt (subject to any exceptions noted therein) of a Mortgage File for each of the Mortgage Loans listed on the Schedule attached hereto (the “Mortgage Loan Schedule”).

(b)          Not later than 180 days after the Closing Date, the Custodian shall review the Mortgage Files as provided in Section 2.02 of the Pooling and Servicing Agreement and deliver to the Company and the Trustee a Final Certification in the form annexed hereto as Exhibit Two evidencing the completeness of the Mortgage Files.

(c)          In reviewing the Mortgage Files as provided herein and in the Pooling and Servicing Agreement, the Custodian shall make no representation as to and shall not be responsible to verify (i) the validity, legality, enforceability, due authorization, recordability, sufficiency or genuineness of any of the documents included in any Mortgage File or (ii) the collectibility, insurability, effectiveness or suitability of any of the documents in any Mortgage File.

Upon receipt of written request from the Trustee, the Custodian shall as soon as practicable supply the Trustee with a list of all of the documents relating to the Mortgage Loans missing from  the Mortgage Files.

2.4         Custodian to Cooperate: Release of Mortgage Files. Upon receipt of notice from the Trustee or the Master Servicer of a repurchase of a Mortgage Loan pursuant to the Mortgage Loan Purchase Agreement or the Pooling and Servicing Agreement, and that the purchase price therefore has been deposited in the Custodial Account or the Certificate Account, then the Custodian agrees to promptly release the related Mortgage File to the Seller or other party at the direction of the Trustee.

Upon the Custodian’s receipt of a request for release (a “Request for Release”) substantially in the form of Exhibit F to the Pooling and Servicing Agreement signed by a servicing officer of the Servicer or a Servicing Officer of the Master Servicer stating that it has received payment in full of a Mortgage Loan or that payment in full will be escrowed in a 

 

manner customary for such purposes, the Custodian agrees promptly to release to the Servicer or the Master Servicer the related Mortgage File. The Company shall deliver to the Custodian and the Custodian agrees to accept the Mortgage Note and other documents constituting the Mortgage File with respect to any Substitute Mortgage Loan.

From time to time as is appropriate for the servicing or foreclosure of any Mortgage Loan, including, for this purpose, collection under any Primary Insurance Policy, the Servicer (or if the Servicer does not, the Master Servicer) shall deliver to the Custodian a Request for Release signed by a Servicing Officer requesting that possession of the Mortgage File be released to the Servicer and certifying as to the reason for such release and that such release will not invalidate any insurance coverage provided in respect of the Mortgage Loan under any of the Insurance Policies. Upon receipt of the foregoing, the Custodian shall deliver the Mortgage File to the Servicer. The Servicer shall cause the Mortgage File or any document therein so released to be returned to the Custodian when the need therefore by the Servicer no longer exists, unless (i) the Mortgage Loan has been liquidated and the
Liquidation Proceeds relating to the Mortgage Loan have been deposited in the Custodial Account or the Certificate Account or (ii) the Mortgage File or such document has been delivered to an attorney, or to a public trustee or other public official as required by law, for purposes of initiating or pursuing legal action or other proceedings for the foreclosure of the Mortgaged Property either judicially or non-judicially, and the Servicer has delivered to the Custodian a certificate of a servicing officer certifying as to the name and address of the Person to which such Mortgage File or such document was delivered and the purpose or purposes of such delivery.

At any time that the Servicer is required to deliver to the Custodian a Request for Release, the Servicer shall deliver two copies of the Request for Release if delivered in hard copy or the Servicer may furnish such Request for Release electronically in a form acceptable to the Custodian, in which event the servicing officer transmitting the same shall be deemed to have signed the Request for Release. In connection with any Request for Release of a Mortgage File because of a repurchase of a Mortgage Loan, such Request for Release shall be followed by an assignment of mortgage, without recourse, representation or warranty from the Trustee to the Seller and the related Mortgage Note shall be endorsed without recourse by the Trustee and be returned to the Seller. In connection with any Request for Release of a Mortgage File because of the payment in full of a Mortgage Loan, such Request for
Release shall be accompanied by a certificate of satisfaction or other similar instrument to be executed by or on behalf of the Trustee and returned to the Servicer.

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

 

 

2.6         Endorsement of Mortgage Notes. Within 45 days after the Closing Date, the Custodian shall endorse each Mortgage Note in the name of “HSBC Bank USA, National Association, as trustee under the Pooling and Servicing Agreement relating to Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5”.

SECTION 3.

CONCERNING THE CUSTODIAN

3.1         Custodian as Bailee and Agent of the Trustee. With respect to each Mortgage Note, Mortgage and other documents constituting each Mortgage File which are delivered to the Custodian, the Custodian is exclusively the bailee and custodial agent of the Trustee and has no instructions to hold any Mortgage Note or Mortgage for the benefit of any person other than the Trustee and the Certificateholders and undertakes to perform such duties and only such duties as are specifically set forth in this Agreement and in the Pooling and Servicing Agreement. Except upon compliance with the provisions of Section 2.4 of this Agreement, no Mortgage Note, Mortgage or Mortgage File shall be delivered by the Custodian to the Company, the Servicer or the Master Servicer or otherwise
released from the possession of the Custodian.

3.2         Custodian May Own Certificates.  The Custodian in its individual or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not Custodian.

3.3         Master Servicer to Pay Custodian’s Fees and Expenses. The Master Servicer covenants and agrees to pay to the Custodian from time to time, and the Custodian shall be entitled to, reasonable compensation for all services rendered by it in the exercise and performance of any of the powers and duties hereunder of the Custodian, and the Master Servicer will pay or reimburse the Custodian upon its request for all reasonable expenses, disbursements and advances incurred or made by the Custodian in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ), except any such expense, disbursement or advance as may arise from its negligence
or bad faith or to the extent that such cost or expense is indemnified by the Trust Fund pursuant to the Pooling and Servicing Agreement.

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

 

 

The Trustee may, with or without cause, upon at least 60 days notice remove and discharge the Custodian from the performance of its duties with the consent of the Master Servicer. In such event, the Trustee shall appoint, or petition a court of competent jurisdiction to appoint, a successor Custodian hereunder. Any successor Custodian shall be a depository institution subject to supervision or examination by federal or state authority, shall be able to satisfy the other requirements contained in Section 3.6 hereof and shall be unaffiliated with the Servicer or the Company.

Any resignation or removal of the Custodian and appointment of a successor Custodian pursuant to any of the provisions of this Section 3.4 shall become effective upon acceptance of appointment by the successor Custodian. The Trustee shall give prompt notice to the Company and the Master Servicer of the appointment of any successor Custodian. No successor Custodian shall be appointed by the Trustee without the prior approval of the Company and the Master Servicer.

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

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

3.7         Standard of Care; Indemnification. Neither the Custodian nor any parent, affiliate, subsidiaries, directors, officers, agents or employees shall have any liability arising from or related to this Custodial Agreement or any related document or agreement, except for any such liability resulting from the Custodian’s negligence or willful misconduct. The Custodian shall be indemnified and held harmless from the Trust Fund to the extent provided in Section 6.03 of the Pooling and Servicing Agreement.

3.8         Reliance; Limitation of Custodian’s Duties.  The Custodian shall have no duties or obligations other than those specifically set forth herein or as may subsequently be agreed to in writing by the parties hereto. The Custodian: (a) may consult with counsel and any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken, suffered or omitted by it hereunder in good faith and in accordance with such Opinion of Counsel; and shall not be liable for any error of judgment, or for any act done or step taken or omitted by it, in good faith, except for any such liability resulting from the Custodian’s negligence or willful misconduct; (b) shall use the same degree of
care and skill as is reasonably expected of financial institutions acting in comparable capacities, provided that this subsection shall not be interpreted to impose upon the Custodian a higher standard of care than that set forth above; (c) will be regarded as making no representations and having no responsibilities (except as expressly set forth herein) as to the validity, sufficiency, value, genuineness, ownership or transferability of the Mortgage Loans, and will not be required to and will not make any 

 

representations as to the validity, value, genuineness, ownership or transferability of the Mortgage Loans; (d) may rely on and shall be protected in acting upon any certificate, instrument, opinion, notice, letter, telegram, facsimile or other document delivered to it and in good faith believed by it to be genuine and to have been signed by the proper party or parties; and (e) may rely on and shall be protected in acting upon the written instructions of the Company or the Trustee and such employees and representatives of the Company or the Trustee as the Company or the Trustee may hereinafter designate in writing.

Section 4.

MISCELLANEOUS PROVISIONS

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

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

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

4.4.        Recordation of Agreement. To the extent permitted by applicable law, this Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Company and at the Trust’s expense, but only upon direction accompanied by an Opinion of Counsel reasonably satisfactory to the Company to the effect that the failure to effect such recordation is likely to materially and adversely affect the interests of the Certificateholders.

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

 

 

4.5         Severability of Provisions.  If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement or of the Certificates or the rights of the holders thereof.

 

[Signature Page Follows]

 

 

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

 

	
            Address:

452 Fifth Avenue

New York, New York 10018

Attention:

Telecopy:

Confirmation:
 	
            HSBC Bank USA, National Association, not individually but solely as Trustee

By:__________________________________

Name:

Title:  
 
	
            Address:

W. 115 Century Road

Paramus, New Jersey 07652
 	
            OPTEUM MORTGAGE ACCEPTANCE CORPORATION

By:__________________________________

Name:

Title:

 
 
	
            Address:

9062 Old Annapolis Road

Columbia, Maryland 21045

 
 	
            WELLS FARGO BANK, N.A., as Master Servicer

By:__________________________________

Name:

Title:

 
 
	
            Address:

9062 Old Annapolis Road

Columbia, Maryland 21045

 
 	
            WELLS FARGO BANK, N.A., as Custodian

By:__________________________________

Name:

Title:                   
 

 

 

 

 

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

 

On the  ___ day of April 2005 before me, a notary public in and for said State, personally appeared ____________________, known to me to be a _______________ of HSBC  Bank USA, National Association, a national banking association that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation and acknowledged to me that such corporation executed the within instrument.

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

	
             
 	
            
 
 
 
	
             
 	
            Notary Public
 

 

 [SEAL]

 

 

	
            STATE OF MARYLAND
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF HOWARD
 	
            )
 	
             
 

 

On the ___ day of April 2005 before me, a notary public in and for said State, personally appeared ______________, known to me to be an ___________________ of Wells Fargo Bank, N.A., a national banking association that executed the within instrument, and also known to me to be the person who executed it on behalf of said national banking association, and acknowledged to me that such national banking association executed the within instrument.

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

	
             
 	
            
 
 
 
	
             
 	
            Notary Public
 

 

 [SEAL]

 

 

	
            STATE OF NEW JERSEY
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF BERGEN
 	
            )
 	
             
 

 

On the ___ day of April 2005 before me, a notary public in and for said State, personally appeared _______________, known to me to be a _____________ of Opteum Mortgage Acceptance Corporation, one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

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

	
             
 	
            
 
 
 
	
             
 	
            Notary Public
 

 

 [Notarial Seal]

 

 

	
            STATE OF MARYLAND
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF HOWARD
 	
            )
 	
             
 

 

On the ___ day of April 2005 before me, a notary public in and for said State, personally appeared ______________, known to me to be an ___________________ of Wells Fargo Bank, N.A., a national banking association that executed the within instrument, and also known to me to be the person who executed it on behalf of said national banking association, and acknowledged to me that such national banking association executed the within instrument.

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

	
             
 	
            
 
 
 
	
             
 	
            Notary Public
 

 

 [Notarial Seal]

 

 

EXHIBIT ONE

FORM OF INITIAL CERTIFICATION

November 29, 2005

 

	
            HSBC Bank USA, National Association

452 Fifth Avenue

New York, New York 10018
 	
            Opteum Mortgage Acceptance Corporation

W. 115 Century Road

Paramus, New Jersey 07652
 

 

Attention: Opteum Mortgage Acceptance Corporation,

OMAC  Mortgage Trust 2005-5, Asset-Backed Pass-Through Certificates, Series 2005-5

	
             
 	
            Re:
 	
            
Custodial Agreement, dated as of November 29, 2005, by and among HSBC Bank USA, National Association, Opteum Mortgage Acceptance Corporation and Wells Fargo Bank, N.A. relating to OMAC  Mortgage Trust 2005-5, Asset-Backed Pass-Through Certificates, Series 2005-5
 
 

 

Ladies and Gentlemen:

In accordance with Section 2.3 of the above-captioned Custodial Agreement and subject to Section 2.02 of the Pooling and Servicing Agreement, dated as of November 1, 2005 among Opteum Mortgage Acceptance Corporation, HSBC Bank USA, National Association, and Wells Fargo Bank, N.A., the undersigned, as custodian (the “Custodian”), hereby certifies that as to each Mortgage Loan listed in the Mortgage Loan Schedule (other than any Mortgage Loan paid in full or listed on the attachment hereto) it has reviewed the Mortgage File, and has determined that: (1) all documents required to be included in the Mortgage File are in its possession and (2) such documents have been reviewed by it and appear regular on their face and relate to such Mortgage Loan.

The Custodian has made no independent examination of any documents contained in each Mortgage File beyond the review specifically required in the above-referenced Custodial and Pooling and Servicing Agreements. The Custodian makes no representations as to and shall not be responsible to verify: (i) the validity, legality, sufficiency, enforceability, due authorization, recordability or genuineness of any of the documents contained in each Mortgage File of any of the Mortgage Loans identified on the Mortgage Loan Schedule, (ii) the collectability, insurability, effectiveness or suitability of any such Mortgage Loan, or (iii) the existence of any assumption, modification, written assurance or substitution agreement with respect to any Mortgage File if no such documents appear in the Mortgage File delivered to the Custodian.

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

 

 

 

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             

            WELLS FARGO BANK, N.A., as Custodian
           

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 

 

 

 

EXHIBIT TWO

FORM OF FINAL CERTIFICATION

__________, 20__

 

	
            HSBC Bank USA, National Association

452 Fifth Avenue

New York, New York 10018
 	
            Opteum Mortgage Acceptance Corporation

W. 115 Century Road

Paramus, New Jersey 07652
 

 

Attention: Opteum Mortgage Acceptance Corporation,

OMAC  Mortgage Trust 2005-5, Asset-Backed Pass-Through Certificates, Series 2005-5

	
             
 	
            Re:
 	
            
Custodial Agreement, dated as of November 29, 2005, by and among HSBC Bank USA, National Association, Opteum Mortgage Acceptance Corporation and Wells Fargo Bank, N.A. relating to OMAC  Mortgage Trust 2005-5, Asset-Backed Pass-Through Certificates, Series 2005-5
 
 

 

Ladies and Gentlemen:

In accordance with Section 2.3 of the above-captioned Custodial Agreement and subject to Section 2.02 of the Pooling and Servicing Agreement, the undersigned, as Custodian, hereby certifies that it has received a Mortgage File with respect to each Mortgage Loan listed in the Mortgage Loan Schedule containing with respect to each Mortgage Loan:

(i)          the original Mortgage Note (including all riders thereto) bearing all intervening endorsements necessary to show a complete chain of endorsements from the original payee, endorsed “Pay to the order of _____without recourse”, via original signature, and, if previously endorsed, signed in the name of the last endorsee by a duly qualified officer of the last endorsee or, with respect to any Mortgage Loan as to which the original Mortgage Note has been permanently lost or destroyed and has not been replaced, a Lost Note Affidavit. If the Mortgage Loan was acquired by the last endorsee in a merger, the endorsement must be by “[name of last endorsee], successor by merger to [name of the predecessor].” If the Mortgage Loan was acquired or originated by
the last endorsee while doing business under another name, the endorsement must be by “[name of last endorsee], formerly known as [previous name].” The Custodian has endorsed the Mortgage Note in the name of “HSBC Bank USA, National Association, as trustee under the Pooling and Servicing Agreement relating to Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5” for each Mortgage Note;

(ii)         The original recorded Mortgage, noting the presence of the MIN of the Mortgage Loan and either language indicating that the Mortgage Loan is a MOM loan or if the Mortgage Loan was not a MOM loan at origination, the original Mortgage and the assignment thereof to MERS, with evidence of recording indicated thereon; provided that 

 

if such document is not included because of a delay by the public recording office where such document has been delivered for recordation or such office as a matter of policy does not return the original of such document or if such original Mortgage has been lost, the Seller shall include or cause to be included a copy thereof certified by the appropriate recording office, if available;

(iii)        the original Assignment of Mortgage in blank, in form and substance acceptable for recordation in the jurisdiction in which the related mortgage property is located and signed in the name of the Last Endorsee by an authorized officer; unless the Mortgage Loan is registered on the MERS system;

(iv)        The original intervening Assignments, if any and if available, with evidence of recording thereon, showing an unbroken chain of title to the Mortgage from the originator thereof to Person assigning it to the Trustee (or to MERS, if the Mortgage Loan is registered on the MERS® System); provided that if such document is not included because of a delay by the public recording office where such document has been delivered for recordation or such office as a matter of policy does not return the original of such document, the Seller shall include or cause to be included a copy thereof certified by the appropriate recording office, if available;

(v)         The originals of each assumption, modification or substitution agreement, if any and if available, relating to the Mortgage Loan; and

(vi)        the original title insurance policy, or, if such policy has not been issued, any one of an original or a copy of the preliminary title report, title binder or title commitment on the Mortgaged Property with the original policy of the insurance to be delivered promptly following the receipt thereof;

Capitalized words and phrases used herein shall have the respective meanings assigned to them in the above-captioned Custodial Agreement or in the Pooling and Servicing Agreement, as applicable.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            WELLS FARGO BANK, N.A., as Custodian

 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
            
 
 
 

 

 

 

EXHIBIT O

 

INTEREST RATE SWAP AGREEMENT

(Available Upon Request)

 

 

EXHIBIT P

FORM OF MORTGAGE LOAN PURCHASE AGREEMENT

T his MORTGAGE LOAN PURCHASE AGREEMENT (this “Agreement”), dated as of November 1, 2005 (the “Cut-off Date”), is made between Opteum Financial Services, LLC (the “Seller”) and Opteum Mortgage Acceptance Corporation (the “Purchaser”).

W I T N E S S E T H:

WHEREAS, the Seller owns the Mortgage Loans indicated on the Mortgage Loan Schedule attached as Exhibit 1 hereto (the “Mortgage Loans”), including rights to (a) any property acquired by foreclosure or deed in lieu of foreclosure or otherwise, and (b) the proceeds of any insurance policies covering the Mortgage Loans;

WHEREAS, the parties hereto desire that the Seller sell the Mortgage Loans to the Purchaser (other than the servicing rights with respect thereto), and that the Seller make certain representations and warranties and undertake certain obligations with respect to the Mortgage Loans;

WHEREAS, pursuant to the terms of a Pooling and Servicing Agreement, to be dated as of the Cut-off Date (the “Pooling and Servicing Agreement”), among the Purchaser, as seller, HSBC Bank USA, National Association, as trustee (the “Trustee”) and Wells Fargo Bank, N.A., as master servicer and securities administrator (the “Master Servicer”), the Purchaser will issue Asset-Backed Pass-Through Certificates, Series 2005-5 (the “Certificates”);

NOW, THEREFORE, inconsideration of the mutual covenants herein contained, the parties hereto agree as follows:

 

 

ARTICLE I

 

DEFINITIONS

Section 1.01            Definitions.  For all purposes of this Mortgage Loan Purchase Agreement, except as otherwise expressly provided herein or unless the context otherwise requires, capitalized terms not otherwise defined herein shall have the meanings assigned to such terms in the Pooling and Servicing Agreement. All other capitalized terms used herein shall have the meanings specified herein.

 

 

ARTICLE II

 

SALE OF MORTGAGE LOANS AND RELATED PROVISIONS

	
             
  	
            Section 2.01
 	
            Sale of Mortgage Loans.  
 

(a)           The Seller, by the execution and delivery of this Agreement, does hereby sell, assign, set over, and otherwise convey to the Purchaser, without recourse but subject to the terms of this Agreement, (i) all of its right, title and interest in the Mortgage Loans identified on Exhibit 1 as of the Closing Date, including the related Cut-off Date Principal Balance, all interest accruing thereon on and after the Cut-off Date, and all collections of interest and principal due after the Cut-off Date, other than the servicing rights with respect thereto, (ii) the Seller’s interest in any insurance policies and (iii) all proceeds of the foregoing.

(b)           In connection with any transfer pursuant to this Section 2.1, the Seller agrees (i) to cause the books and records of the Seller to indicate that the Mortgage Loans have been sold to the Purchaser pursuant to this Agreement and (ii) to deliver to the Purchaser the Mortgage Loan Schedule which is attached as Exhibit 1 to this Agreement, and to the Pooling and Servicing Agreement, as which is incorporated by reference herein.

(c)           In connection with such conveyances by the Seller, the Seller shall on behalf of the Purchaser deliver to, and deposit with the Trustee, on or before the Closing Date, the following documents or instruments with respect to each Mortgage Loan:

(i)             the original Mortgage Note (including all riders thereto) bearing all intervening endorsements necessary to show a complete chain of endorsements from the original payee, endorsed “Pay to the order of _____without recourse”, via original signature, and, if previously endorsed, signed in the name of the last endorsee by a duly qualified officer of the last endorsee or, with respect to any Mortgage Loan as to which the original Mortgage Note has been permanently lost or destroyed and has not been replaced, a Lost Note Affidavit with indemnity. If the Mortgage Loan was acquired by the last endorsee in a merger, the endorsement must be by “[name of last endorsee], successor by merger to [name of the predecessor].” If the Mortgage
Loan was acquired or originated by the last endorsee while doing business under another name, the endorsement must be by “[name of last endorsee], formerly known as [previous name].”  Within 45 days after the Closing Date, the Seller shall endorse or cause to be endorsed the Mortgage Note in the name of “HSBC Bank USA, National Association, as trustee under the Pooling and Servicing Agreement relating to Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5” for each Mortgage Note;

(ii)                The original recorded Mortgage, noting the presence of the MIN of the Mortgage Loan and language indicating that the Mortgage Loan is a MOM Loan if the Mortgage Loan is a MOM Loan, with evidence of recording indicated thereon; provided that if such document is not included because of a delay by the public recording office where such document has been delivered for recordation or 

 

such office as a matter of policy does not return the original of such document or if such original Mortgage has been lost, the Seller shall include or cause to be included a copy thereof certified by the appropriate recording office, if available;

(iii)               unless the Mortgage Loan is registered on the MERS® System, an original duly executed Assignment of the Mortgage in recordable form from the Seller or the originator, as applicable, to “HSBC Bank USA, National Association, as trustee under the Pooling and Servicing Agreement relating to Opteum Mortgage Acceptance Corporation, Asset-Backed Pass-Through Certificates, Series 2005-5” for each Mortgage Note;

(iv)               The original intervening Assignments, if any and if available, with evidence of recording thereon, showing an unbroken chain of title to the Mortgage from the originator thereof to Person assigning it to the Trustee (or to MERS, if the Mortgage Loan is registered on the MERS® System and noting the presence of a MIN); provided that if such document is not included because of a delay by the public recording office where such document has been delivered for recordation or such office as a matter of policy does not return the original of such document, the Seller shall include or cause to be included a copy thereof certified by the appropriate recording office, if available;

(v)                The originals of each assumption, modification or substitution agreement, if any and if available, relating to the Mortgage Loan; and

(vi)               the original title insurance policy, or, if such policy has not been issued, any one of an original or a copy of the preliminary title report, title binder or title commitment on the Mortgaged Property with the original policy of the insurance to be delivered promptly following the receipt thereof;

The Seller need not cause to be recorded any Assignment in any jurisdiction under the laws of which, as evidenced by an Opinion of Counsel delivered by the Seller to the Trustee and the Rating Agencies, the recordation of such Assignment is not necessary to protect the Trustee’s interest in the related Mortgage Loan; provided, however, notwithstanding the delivery of any Opinion of Counsel, each Assignment shall be submitted for recording by the Seller, at no expense to the Trust or the Trustee, upon the earliest to occur of: (i) reasonable direction by the Holders of Certificates evidencing at least 25% of the Voting Rights, (ii) the occurrence of a Event of Default under the Pooling and Servicing Agreement, (iii) the occurrence of a bankruptcy, insolvency or foreclosure relating to the
Seller, (iv) the occurrence of a servicing transfer as described in Section 7.02 of the Pooling and Servicing Agreement and (v) if the Seller is not the Master Servicer, the occurrence of a bankruptcy, insolvency or foreclosure relating to the Mortgagor under the related Mortgage.  Upon receipt of written notice from the Trustee that recording of the Assignments is required pursuant to one or more of the conditions set forth in the preceding sentence, the Seller shall be required to deliver such Assignments for recording as provided above, promptly and in any event within 30 days following receipt of such notice.  The Seller shall furnish the Trustee, or its designated agent, with a copy of each Assignment submitted for recording.  In the event that any such Assignment is lost or returned unrecorded because of a defect therein, the Seller shall promptly have a 

 

substitute Assignment prepared or have such defect cured, as the case may be, and thereafter cause each such Assignment to be duly recorded.

To the extent an Assignment referred to in clause (c)(iii) above is required to be recorded (including, without limitation, Assignments for states which are not covered by the Opinion of Counsel in the prior paragraph), the Seller at its own expense shall complete and submit it for recording in the appropriate public office for real property records, with such Assignment completed in favor of the Trustee. While such Assignment to be recorded is being recorded, the Trustee shall retain a photocopy of such Assignment. If any Assignment is lost or returned unrecorded to the Trustee because of any defect therein, the Seller is required to prepare a substitute Assignment or cure such defect, as the case may be, and the Seller shall cause such substitute Assignment to be recorded in accordance with this paragraph.

Notwithstanding anything to the contrary contained in this Section 2.1, in those instances where the public recording office retains the original Mortgage after it has been recorded, the Seller shall be deemed to have satisfied its obligations hereunder upon delivery to the Trustee of a copy of such Mortgage certified by the public recording office to be a true and complete copy of the recorded original thereof.

If any Assignment is lost or returned unrecorded to the Trustee because of any defect therein, the Seller shall prepare a substitute Assignment or cure such defect, as the case may be, and the Seller shall cause such Assignment to be recorded in accordance with this Section 2.1.

If a defect in any Mortgage File is discovered which materially and adversely affects the value of the related Mortgage Loan, or the interests of the Certificateholders in such Mortgage Loan, including if any document required to be delivered to the Trustee has not been delivered (provided that a Mortgage File will not be deemed to contain a defect for an unrecorded Assignment under clause (c) (iii) above if the Seller has submitted such Assignment for recording pursuant to the terms of the following paragraph), the Seller shall either (i) purchase such Mortgage Loan from the Trust Fund at the Purchase Price within 90 days after the date on which the Seller was notified of such defect; provided, that if such defect would cause the Mortgage Loan to be other than a “qualified mortgage” as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90
days from the date such breach was discovered, or cure such defect, or (ii) substitute a Qualified Substitute Mortgage Loan for the related Mortgage Loan upon the same terms and conditions set forth in Section 3.1 hereof for substitutions.

The Seller shall exercise its best reasonable efforts to deliver or cause to be delivered to the Custodian on behalf of the Trustee within 120 days of the Closing Date, with respect to the Mortgage Loans, the original or a photocopy of the title insurance policy with respect to each such Mortgage Loan assigned to the Purchaser pursuant to this Section 2.1.

In connection with the assignment of any Mortgage Loan registered on the MERS® System, the Seller further agrees that it will cause, at the Seller’s own expense, as of the Closing Date, the MERS® System to indicate that such Mortgage Loans have been assigned by the Seller to the Trustee in accordance with this Agreement for the benefit of the 

 

Certificateholders by including (or deleting, in the case of Mortgage Loans which are repurchased in accordance with this Agreement) in such computer files (a) the code in the field which identifies the specific Trustee and (b) the code in the field “Pool Field” which  identifies the series of the Certificates issued in connection with such Mortgage Loans.  The Seller and the Purchaser further agree that they will not, and will not permit the Master Servicer to, alter the codes referenced in this paragraph with respect to any Mortgage Loan during the term of this Agreement unless and until such Mortgage Loan is repurchased in accordance with the terms of this Agreement.

The Purchaser hereby acknowledges its acceptance of all right, title and interest to the Mortgage Loans and other property, now existing and hereafter created, conveyed to it pursuant to this Section 2.1, other than with respect to servicing rights with respect to the Mortgage Loans.  In addition to the foregoing, on the Closing Date the Seller assigns to the Purchaser all of its right, title and interest in the Servicing Agreements.

(d)           The parties hereto intend that the transaction set forth herein constitutes a sale by the Seller to the Purchaser of all the Seller’s right, title and interest in and to the Mortgage Loans (other than with respect to the related servicing rights) and other property as and to the extent described above. In the event the transaction set forth herein is deemed not to be a sale, the Seller hereby grants to the Purchaser a security interest in (i) all of the Seller’s right, title and interest in, to and under the Mortgage Loans (other than with respect to the related servicing rights), (ii) all of Seller’s interest in any insurance policies and (iii) all proceeds of the foregoing and such other property, to secure all of the Seller’s obligations hereunder, and this
Agreement shall constitute a security agreement under applicable law. The Seller agrees to take or cause to be taken such actions and to execute such documents, including without limitation the filing of all necessary UCC-1 financing statements filed in the State of Delaware (which shall have been submitted for filing as of the Closing Date with respect to the aggregate Stated Principal Balance of the Mortgage Loans), any continuation statements with respect thereto and any amendments thereto required to reflect a change in the name or corporate structure of the Seller or the filing of any additional UCC-1 financing statements due to the change in the principal office of the Seller, as are necessary to perfect and protect the Purchaser’s interests in each Mortgage Loan and the proceeds thereof.

	
             
  	
            Section 2.02
 	
            Payment of Purchase Price for the Mortgage Loans.  
 

(a)           The purchase price for the Mortgage Loans (other than with respect to the servicing rights thereto) shall be the sum of (1) $937,114,436.60 and (2) a 100% Percentage Interest in the Class P, Class C and Class R Certificates.

(b)         In consideration of the sale of the Mortgage Loans from the Seller to the Purchaser on the Closing Date, the Purchaser shall (1) pay to the Seller on the Closing Date by wire transfer of immediately available funds to a bank account designated by the Seller, the amount specified above in clause (a)(1) and (2) cause the transfer to the Seller of the Certificates in clause (a)(2).

 

 

ARTICLE III

 

REPRESENTATIONS AND WARRANTIES;

REMEDIES FOR BREACH

Section 3.01           Seller Representations and Warranties.  The Seller hereby represents and warrants to the Purchaser as of the Closing Date (or if otherwise specified below, as of the date so specified) that:

	
             
  	
            (a)
 	
            with respect to the Seller:
 

(i)                 the Seller is a limited liability company duly organized, validly existing and in good standing under the laws of the State of Delaware;

(ii)                the Seller has full corporate power to own its property, to carry on its business as presently conducted and to enter into and perform its obligations under this Agreement;

(iii)               the execution and delivery by the Seller of this Agreement have been duly authorized by all necessary corporate action on the part of the Seller; and neither the execution and delivery of this Agreement, nor the consummation of the transactions herein contemplated hereby, nor compliance with the provisions hereof, will conflict with or result in a breach of, or constitute a default under, any of the provisions of any law, governmental rule, regulation, judgment, decree or order binding on the Seller or its properties or the certificate of incorporation or by-laws of the Seller, except those conflicts, breaches or defaults which would not reasonably be expected to have a material adverse effect on the Seller’s ability to enter into
this Agreement and to consummate the transactions contemplated hereby;

(iv)               the execution, delivery and performance by the Seller of this Agreement and the consummation of the transactions contemplated hereby do not require the consent or approval of, the giving of notice to, the registration with, or the taking of any other action in respect of, any state, federal or other governmental authority or agency, except those consents, approvals, notices, registrations or other actions as have already been obtained, given or made and, in connection with the recordation of the Mortgages, powers of attorney or assignments of Mortgages not yet completed;

(v)                this Agreement has been duly executed and delivered by the Seller and, assuming due authorization, execution and delivery by the Purchaser, constitutes a valid and binding obligation of the Seller enforceable against it in accordance with its terms (subject to applicable bankruptcy and insolvency laws and other similar laws affecting the enforcement of the rights of creditors generally);

(vi)               to the best of the Seller’s knowledge, there are no actions, litigation, suits or proceedings pending or threatened against the Seller before or by 

 

any court, administrative agency, arbitrator or governmental body (i) with respect to any of the transactions contemplated by this Agreement or (ii) with respect to any other matter which in the judgment of the Seller if determined adversely to the Seller would reasonably be expected to materially and adversely affect the Seller’s ability to perform its obligations under this Agreement; and the Seller is not in default with respect to any order of any court, administrative agency, arbitrator or governmental body so as to materially and adversely affect the transactions contemplated by this Agreement; and

(vii)              the Seller’s chief executive office and principal place of business are located in the County of Bergen in the State of New Jersey.

	
             
  	
            (b)
 	
            with respect to the Mortgage Loans:
 

(i)                 as of the Cut-off Date, the information set forth in the Mortgage Loan Schedule hereto is true and correct in all material respects;

(ii)                immediately prior to the transfer to the Purchaser, the Seller was the sole owner of beneficial title and holder of, and had good title to, each Mortgage and Mortgage Note relating to the Mortgage Loans and is conveying the same free and clear of any and all liens, claims, encumbrances, participation interests, equities, pledges, charges or security interests of any nature and the Seller has full right and authority to sell or assign the same pursuant to this Agreement;

(iii)               no selection procedure reasonably believed by the Seller to be adverse to the interests of the Certificateholders or the Trust was utilized in selecting the Mortgage Loans;

(iv)               each Mortgage Loan constitutes a “qualified mortgage” under Section 860G(a)(3)(A) of the Code and Treasury Regulation Section 1.860G-2(a)(1);

(v)                the information set forth under the caption “The Mortgage Pool—General” and “—Mortgage Loan Characteristics” in the Prospectus Supplement is true and correct in all material respects;

(vi)               as of the Cut-off Date, no Mortgage Loan is 30 or more days past due. The Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds from a party other than the owner of the related Mortgaged Property, directly or indirectly, for the payment of any amount required by the Mortgage Note or Mortgage;

(vii)              there are no delinquent taxes or assessment liens against the related Mortgaged Property;

(viii)            no default, breach, violation or waiver exists under the mortgage documents, and no modifications to the mortgage documents have been made that have not been reflected in the Mortgage Loan Schedule;

 

 

(ix)               all buildings upon, or comprising part of, the Mortgaged Property are insured by an insurer acceptable to Fannie Mae and Freddie Mac against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property is located, and such insurer is licensed to do business in the state where the Mortgaged Property is located. All such insurance policies contain a standard mortgagee clause naming the originator, its successors and assigns as mortgagee and Seller has received no notice that all premiums thereon have not been paid. The amount of the Mortgage Loan covered by these insurance policies is in accordance with the standards of Fannie Mae or Freddie Mac.  If upon origination of the
Mortgage Loan, the Mortgaged Property was, or was subsequently deemed to be, in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available), which require under applicable law that a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration (or any successor thereto) be obtained, such flood insurance policy is in effect which policy is with a generally acceptable carrier in an amount representing coverage not less than the least of (A) the principal balance of the related Mortgage Loan, (B) the minimum amount required to compensate for damage or loss on a replacement cost basis, or (C) the maximum amount of insurance that is available under the Flood Disaster Protection Act of 1973. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at Mortgagor’s cost and expense and, on the
Mortgagor’s failure to do so, authorizes the holder of the Mortgage to maintain such insurance at Mortgagor’s cost and expense and to obtain reimbursement therefor from the Mortgagor;

(x)                all parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or during the period in which they held and disposed of such interest, were) in compliance with any and all applicable “doing business” and licensing requirements of the state wherein the Mortgaged Property is located;

(xi)               as of the Closing Date, there is no mechanics’ lien or claim for work, labor or material affecting the Mortgaged Property except those which are insured against by the title insurance policy;

(xii)              as of the Closing Date, there is no valid offset, defense or counterclaim to any Mortgage Note or Mortgage, and, to the best of the Seller’s knowledge or the knowledge of the related servicer, no such offset, defense or counterclaim has been asserted with respect thereto;

(xiii)             as of the Closing Date, the physical property subject to any Mortgage is free of material damage and is in good repair and, to the best of the Seller’s knowledge or the knowledge of the related servicer, there is no proceeding for the total or partial condemnation thereof;

 

 

(xiv)             all improvements which were considered in determining the appraised value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property;

(xv)              at the time of origination, no improvement located on or being part of the Mortgaged Property was in violation of any applicable zoning and subdivision laws or ordinances;

(xvi)             to the best of the Seller’s knowledge, all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy, have been made or obtained from the appropriate authorities;

(xvii)            as of the origination date of each Mortgage Loan, the related Mortgaged Property is lawfully permitted to be occupied under applicable law;

(xviii)           each Mortgage Loan is and will be a mortgage loan arising out of the originator’s practice in accordance with the underwriting guidelines of the related originator.  The Seller has no knowledge of any fact that should have led it to expect at the time of the initial creation of an interest in the Mortgage Loan that such Mortgage Loan would not be paid in full when due;

(xix)             each original Mortgage has been recorded or is in the process of being recorded in the appropriate jurisdictions wherein such recordation is required to perfect the lien thereof for the benefit of the Trust Fund;

(xx)              if an Assignment is included in the Mortgage File, such Assignment is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located;

(xxi)             the related Mortgage File contains each of the documents and instruments specified;

(xxii)            to the best of the Seller’s knowledge, the Mortgage Loans are being serviced according to the guidelines of the applicable servicer and the related Mortgage Loan;

(xxiii)           the Mortgage Note and the Mortgage have not been altered or modified in any material respect, except by a written instrument which has been recorded, and the substance of any such alteration or modification has been approved by the title insurer, to the extent required by the related policy.  No instrument of alteration or modification has been executed by the Seller or any other person in the chain of title from the Seller, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the title insurer;

 

 

(xxiv)          the Mortgage has not been satisfied, subordinated, rescinded or canceled, in whole or in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, subordination, rescission, cancellation or release;

(xxv)            a lender’s title policy or binder, or other assurance of title insurance customary in a form acceptable to Fannie Mae or Freddie Mac was issued at origination and each policy or binder is valid and remains in full force and effect;

(xxvi)           the Mortgaged Property consists of a contiguous parcel of real property with single-family residence erected thereon, or a two- to four- family dwelling, or an individual condominium unit, or an individual unit in a planned unit development or a de minimis planned unit development.  To the best of the Seller’s knowledge, the Mortgaged Property does not consist of any of the following property types: (a) co-operative units, (b) mobile homes and (c) manufactured homes (as defined in the Fannie Mae Originator-Servicer’s Guide), except when the appraisal indicates that the home is of comparable construction to a stick or beam construction home, is readily marketable, has been permanently affixed to the site and
is not in a mobile home “park.”  The Mortgaged Property is either a fee simple estate or a residential lease.  If any of the Mortgage Loans are secured by a leasehold interest, with respect to each leasehold interest: the use of leasehold estates for residential properties is an accepted practice in the area where the related Mortgaged Property is located; residential property in such area consisting of leasehold estates is readily marketable; the lease is recorded and no party is in any way in breach of any provision of such lease; the leasehold is in full force and effect and is not subject to any prior lien or encumbrance by which the leasehold could be terminated or subject to any charge or penalty; and the remaining term of the lease does not terminate less than ten years after the maturity date of such Mortgage Loan;

(xxvii)         the Mortgage File contains an appraisal of the related Mortgaged Property which satisfied the standards of Fannie Mae and Freddie Mac and was made and signed, prior to the approval of the Mortgage Loan application, by a qualified appraiser, duly appointed by the Seller, who had no interest, direct or indirect in the Mortgaged Property or in any loan made on the security thereof, whose compensation is not affected by the approval or disapproval of the Mortgage Loan and who met the minimum qualifications of Fannie Mae and Freddie Mac. Each appraisal of the Mortgage Loan was made in accordance with the relevant provisions of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989;

(xxviii)        in the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in the Mortgage, and no fees or expenses are 

 

or will become payable by the Purchaser to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

(xxix)          none of the Mortgage Loans are “buydown” mortgage loans or graduated payment mortgage loans;

(xxx)            the Mortgage is a legal, valid, existing and enforceable first lien on the Mortgaged Property, including all improvements on the Mortgaged Property, if any, subject only to (1) the lien of current real property taxes and assessments not yet due and payable, (2) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender’s title insurance policy delivered to the originator of the Mortgage Loan and which do not materially and adversely affect the Appraised Value of the Mortgaged Property and (3) other matters to which like properties are commonly subject which do not materially
and adversely affect the benefits of the security intended to be provided by the Mortgage. The Seller has full right to sell and assign the Mortgage to the Purchaser;

(xxxi)          each Mortgagor who is a party to the Mortgage Note is a natural person;

(xxxii)         all requirements of any federal, state or local law (including usury, truth in lending, real estate settlement procedures, consumer credit protection, equal credit opportunity, disclosure or recording, predatory and abusive lending laws) applicable to the acquisition, origination and servicing of such Mortgage Loan have been complied with in all material respects;

(xxxiii)       none of the Mortgage Loans are (a) loans subject to 12 CFR Part 226.31, 12 CFR Part 226.32 or 12 CFR Part 226.34 of Regulation Z, the regulation implementing TILA, which implements the Home Ownership and Equity Protection Act of 1994, as amended (“HOEPA”), (b) loans subject to, or in violation of, any applicable state or local law, ordinance or regulation similar to HOEPA or (c) classified and/or defined as a “high cost home loan” under any federal, state or local law;

(xxxiv)        none of the Mortgage Loans secured by Mortgaged Property in the States of Georgia, New York, Arkansas, Kentucky and Florida is a “high cost home loan” as defined in the Georgia Fair Lending Act, as amended (the “Georgia Act”), the Arkansas Home Loan Protection Act, as amended (the “Arkansas Act”), Kentucky Revised Statutes §360.100, as amended (the “Kentucky Act”), the Florida Home Loan Protection Act §494.007 (the “Florida Act”), and the New York Predatory Lending Law, codified as N.Y. Banking Law §6-I, N.Y. Gen. Bus. Law §771-a, and N.Y. Real Prop. Acts Law §1302 (together, the “New York Act”), respectively;

 

 

(xxxv)        none of the Mortgage Loans are subject to the New York Act; none of the Mortgage Loans secured by Mortgaged Property in the District of Columbia is a “covered loan” as defined in the District of Columbia Home Loan Protection Act §26-1151.01 (the “D.C. Act”); none of the Mortgage Loans secured by Mortgaged Property in Maine is a “high-rate, high-fee mortgage” as defined in Maine Consumer Credit Code — Truth In Lending §8-103 (the “Maine Act”); none of the Mortgage Loans secured by Mortgaged Property in Nevada is a “home loan” as defined in Nevada Revised Statutes title 52, as amended by Assembly Bill No. 284, 72nd Session (Nevada 2003) (the “Nevada Act”); and all the Mortgage Loans that are
subject to the Georgia Act, the New York Act, the Arkansas Act, the Kentucky Act, the Florida Act, the D.C. Act, the Maine Act and the Nevada Act comply with the requirements of each such legislation;

(xxxvi)        each Prepayment Charge is enforceable and was originated in compliance with all applicable federal, state, and local laws; 

(xxxvii)       each Mortgage Loan was originated by a savings and loan association, savings bank, commercial bank, credit union, insurance company, or similar institution which is supervised and examined by a federal or state authority, or by a mortgagee approved by the Secretary of Housing and Urban Development pursuant to sections 203 and 211 of the National Housing Act, all within the meaning of Section 3(a)(41) of the Securities Exchange Act of 1934, as amended.

(xxxviii)      no Mortgage Loan is a High Cost Loan or Covered Loan, as applicable (as such terms are defined in the then current Standard & Poor’s LEVELS® Glossary, which is now Version 5.6b Revised, Appendix E, attached hereto as Exhibit 2) and no Mortgage Loan originated on or after October 1, 2002 through March 7, 2003 is governed by the “Georgia Fair Lending Act”

(xxxix)         to the best of the Seller’s knowledge, there is no breach, default, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration;

(xl)              the related Mortgage Note and Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms except as such enforcement may be limited by bankruptcy, insolvency, reorganization or other similar laws affecting the enforcement of creditors’ rights generally and by general equity principles (regardless of whether such enforcement is considered in a proceeding in equity or at law).  To the best of Seller’s knowledge, all parties to the Mortgage Note and Mortgage had legal capacity to execute the Mortgage Note and Mortgage and each Mortgage Note and Mortgage have been duly and properly executed by such parties; 

 

 

(xli)            the proceeds of each Mortgage Loan have been fully disbursed, and except with respect to any escrow holdbacks as set forth in the underwriting guidelines of the related originator, there is no requirement for future advances thereunder and any and all requirements as to completion of any on-site or off-site improvements and as to disbursement from any escrow funds therefore have been complied with;

(xlii)            the related Mortgage contains customary and enforceable provisions which render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security, including (1) in the case of Mortgage designated as a deed of trust, by trustee’s sale, and (2) otherwise by judicial foreclosure;

(xliii)           the Mortgage contains an enforceable provision for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event that the Mortgaged Property is sold or transferred without the prior written consent of the mortgagee thereunder, except as may be limited by applicable law;

(xliv)           with respect to each adjustable-rate Mortgage Loan, all adjustments to the Mortgage Rate and monthly payment have been done in accordance with the terms of the related Mortgage Note; 

(xlv)             the information set forth in the Mortgage Loan Schedule with respect to the Prepayment Charges is true and correct in all material respects;

(xlvi)           no foreclosure proceedings are pending against the Mortgaged Property and the Mortgage Loan is not subject to any pending bankruptcy or insolvency proceeding, and to the best of the Seller’s knowledge or the knowledge of the related servicer, no material litigation or lawsuit relating to the Mortgage Loan is pending;

It is understood and agreed that the representations and warranties set forth in this Section 3.1 shall survive the sale of the Mortgage Loans from the Seller to the Purchaser and shall  inure to the benefit of the Purchaser, its successors and assigns, notwithstanding any restrictive or qualified endorsement on any Mortgage Note or assignment of Mortgage or the examination of any Mortgage File.  It is understood by the parties hereto that a breach of the representations and warranties made Section 3.1(b) (xxxii), (xxxiii), (xxxiv), (xxxv), (xxxvi), (xxxvii), (xxxviii) and (xlv) will be deemed to materially and adversely affect the value of the related Mortgage Loan or the interest of the Purchaser.

Upon discovery or receipt of notice by the Seller, the Purchaser or the Trustee of a breach of any representation or warranty of the Seller set forth in clause (b) above which breach materially and adversely affects the value of the Mortgage Loans or the interests of the Purchaser, the Certificateholders or the Trustee in any of the Mortgage Loans delivered to the Purchaser pursuant to this Agreement, the party discovering or receiving notice of such breach shall give prompt written notice to the others. In the case of any such breach of a representation 

 

or warranty set forth in clause (b) above, the Seller shall, within 90 days from the date that the Seller was notified or otherwise obtained knowledge of such breach, either (i) cure such breach in all material respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price; provided that if such breach would cause the Mortgage Loan to be other than a “qualified mortgage” as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered; and provided, further, that (A) in the case of a breach of the representation and warranty concerning the Mortgage Loan Schedule contained in clause (b)(i), if such breach relates to any field on the Mortgage Loan Schedule which identifies any Prepayment Charge or (B) in the case of a breach of representation (xxxvi) or the unenforceability of any Prepayment Charge
due to subsequent changes in law, then, in each case, in lieu of purchasing such Mortgage Loan from the Trust Fund at the Purchase Price, the Seller shall pay the amount of the Prepayment Charge (net of any amount previously collected by or paid to the Trust Fund in respect of such Prepayment Charge), and the Seller shall have no right to repurchase (or, as detailed below, substitute for) such Mortgage Loan. However, subject to the approval of the Purchaser and except as specified above, the Seller shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date, except that if the breach would cause the Mortgage Loan to be other than a “qualified mortgage” as defined in Section 860G(a)(3) of the Code, any such substitution must occur within 90 days from the date the breach was discovered if such 90 day period expires before two years following the Closing Date. If
the breach of representation and warranty that gave rise to the obligation to repurchase or substitute a Mortgage Loan pursuant to this Section 3.1 was the representation set forth in clause (xxxii), (xxxiii), (xxxiv), (xxxv), (xxxvi), (xxxvii), (xxxviii) or (xlv) of this Section 3.1(b), then the Seller shall pay to the Trust Fund, concurrently with and in addition to the remedies provided in the third preceding sentence, an amount equal to any liability, penalty or the expense that was actually incurred and paid out of or on behalf of the Trust Fund, and that directly resulted from such breach, or if incurred and paid by the Trust Fund thereafter, concurrently with such payment. The obligations of the Seller to cure, purchase or substitute a Qualified Substitute Mortgage Loan shall constitute the Purchaser’s, the Trustee’s and the Certificateholders’ sole and exclusive remedy under this Agreement or otherwise respecting a breach of representations or warranties
hereunder with respect to the Mortgage Loans.

In the event that the Seller elects to substitute a Qualified Substitute Mortgage Loan or Loans for a Deleted Mortgage Loan pursuant to this Section 3.1(b), the Seller shall deliver to the Trustee and the Master Servicer, as appropriate, with respect to such Qualified Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage, an Assignment of the Mortgage in recordable form, and such other documents and agreements as are required by Section 2.1, with the Mortgage Note endorsed as required by Section 2.1. No substitution will be made in any calendar month after the Determination Date for such month. Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution, to the extent received by the Master Servicer, will be retained by the Master Servicer and remitted by the Master Servicer to the Seller on the next succeeding Distribution
Date.  After the month of substitution, the Seller shall be entitled to retain all amounts received in respect of such Deleted Mortgage Loan. Upon such substitution, the Mortgage Loan Schedule shall be amended to reflect the addition of the Qualified Substituted Mortgage Loan or Loans, the Qualified Substitute Mortgage Loan or Loans shall be subject to the terms of this Agreement in all respects, and the Seller shall be deemed to have made the non-statistical representations and 

 

warranties with respect to the Qualified Substitute Mortgage Loan contained in Section 3.1(b) as of the date of substitution.

In connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will determine the amount (if any) by which the aggregate principal balance of all such Qualified Substitute Mortgage Loans as of the date of substitution is less than the aggregate Stated Principal Balance of all such Deleted Mortgage Loans (in each case after application of the principal portion of the Monthly Payments due in the month of substitution that are to be distributed to Certificateholders in the month of substitution). The Seller shall provide the Master Servicer on the day of substitution for immediate deposit into the Custodial Account the amount of such shortfall, without any reimbursement therefor. The Seller shall give notice in writing to the Trustee of such event, which notice shall be accompanied by an Officer’s
Certificate as to the calculation of such shortfall and by an Opinion of Counsel to the effect that such substitution will not cause (a) any federal tax to be imposed on any REMIC created pursuant to the Pooling and Servicing Agreement, including without limitation, any federal tax imposed on “prohibited transactions” under Section 860F(a)(1) of the Code or on “contributions after the startup date” under Section 860G(d)(1) of the Code or (b) any portion of any REMIC created pursuant to the Pooling and Servicing Agreement to fail to qualify as a REMIC at any time that any Certificate is outstanding. The costs of any substitution as described above, including any related assignments, opinions or other documentation in connection therewith shall be borne by the Seller.

Any cause of action against the Seller or relating to or arising out of a breach by the Seller of any representations and warranties made in clause (b) above shall accrue as to any Mortgage Loan upon (i) discovery of such breach by the Seller or notice thereof by the party discovering such breach and (ii) failure by the Seller to cure such breach, purchase such Mortgage Loan or substitute a Qualified Substitute Mortgage Loan pursuant to the terms hereof.

Section 3.02           The Purchaser’s Representations and Warranties.  The Purchaser hereby represents and warrants to the Seller as of the Closing Date (or if otherwise specified below, as of the date so specified) that:

(a)           the Purchaser is a corporation duly organized, validly existing and in good standing under the laws of the State of Delaware;

(b)         the Purchaser has full corporate power to own its property, to carry on its business as presently conducted and to enter into and perform its obligations under this Agreement;

(c)           the execution and delivery by the Purchaser of this Agreement have been duly authorized by all necessary corporate action on the part of the Purchaser; and neither the execution and delivery of this Agreement, nor the consummation of the transactions herein contemplated hereby, nor compliance with the provisions hereof, will conflict with or result in a breach of, or constitute a default under, any of the provisions of any law, governmental rule, regulation, judgment, decree or order binding on the Purchaser or its properties or the certificate of incorporation or by-laws of the Purchaser, except those conflicts, breaches or defaults which would not reasonably be expected to have a material adverse effect on the Purchaser’s ability to enter into this Agreement and to
consummate the transactions contemplated hereby;

 

 

(d)           the execution, delivery and performance by the Purchaser of this Agreement and the consummation of the transactions contemplated hereby do not require the consent or approval of, the giving of notice to, the registration with, or the taking of any other action in respect of, any state, federal or other governmental authority or agency, except those consents, approvals, notices, registrations or other actions as have already been obtained, given or made and, in connection with the recordation of the Mortgages, powers of attorney or assignments of Mortgages not yet completed;

(e)           this Agreement has been duly executed and delivered by the Purchaser and, assuming due authorization, execution and delivery by the Purchaser, constitutes a valid and binding obligation of the Purchaser enforceable against it in accordance with its terms (subject to applicable bankruptcy and insolvency laws and other similar laws affecting the enforcement of the rights of creditors generally); and

(f)            except as previously disclosed to the Purchaser in the Prospectus Supplement, there are no actions, suits or proceedings pending or, to the best of the Purchaser’s knowledge, threatened against the Purchaser, before or by any court, administrative agency, arbitrator or governmental body (i) with respect to any of the transactions contemplated by this Agreement or (ii) with respect to any other matter which in the judgment of the Purchaser if determined adversely to the Purchaser or would reasonably be expected to materially and adversely affect the Purchaser’s ability to perform its obligations under this Agreement; and the Purchaser is not in default with respect to any order of any court, administrative agency, arbitrator or governmental body so as to materially
and adversely affect the transactions contemplated by this Agreement.

 

 

ARTICLE IV

 

SELLER'S COVENANTS

Section 4.01            Covenants of the Seller.  The Seller hereby covenants that, except for the transfer hereunder with respect to the Mortgage Loans, the Seller will not sell, pledge, assign or transfer to any other Person, or grant, create, incur or assume any Lien on, any Mortgage Loan, whether now existing or hereafter created, or any interest therein (other than the servicing rights with respect thereto); the Seller will notify the Trustee, as assignee of the Purchaser, of the existence of any Lien (other than as provided above) on any Mortgage Loan immediately upon discovery thereof; and the Seller will defend the right, title and interest of the Trustee, on behalf of the Trust Fund, in, to and under the Mortgage Loans, whether now existing or hereafter
created, against all claims of third parties claiming through or under the Seller.

 

 

ARTICLE V

 

LIMITATION ON LIABILITY OF THE SELLER

Section 5.01            Limitation on Liability of the Seller.  None of the directors, officers, employees or agents of the Seller shall be under any liability to the Purchaser hereunder, it being expressly understood that all such liability is expressly waived and released as a condition of, and as consideration for, the execution of this Agreement. Except as and to the extent expressly provided in the Pooling and Servicing Agreement, the Custodial Agreement and this Agreement, the Seller shall not be under any liability to the Trust Fund, the Trustee or the Certificateholders thereunder. The Seller and any director, officer, employee or agent of the Seller may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder.

 

 

ARTICLE VI

 

TERMINATION

Section 6.01            Termination.  The respective obligations and responsibilities of the Seller and the Purchaser created hereby shall terminate upon the termination of the Trust Fund pursuant to the terms of the Pooling and Servicing Agreement.

 

 

ARTICLE VII

 

MISCELLANEOUS PROVISIONS

Section 7.01            Amendment.  This Agreement may be amended from time to time by the Seller and the Purchaser, by written agreement signed by the Seller and the Purchaser.

Section 7.02            Governing Law.  This Agreement shall be governed by and construed in accordance with the laws of the State of New York and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws.

Section 7.03            Notices.  All demands, notices and communications hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid, addressed as follows:

	
            (i)
 	
            if to the Seller:

 
 
	
             
 	
            Opteum Financial Services, LLC
 
	
             
 	
            W. 115 Century Road
 
	
             
 	
            Paramus, New Jersey 07652
 
	
             
 	
            Attention: General Counsel
 

or, such other address as may hereafter be furnished to the Purchaser in writing by the Seller.

	
             
	
            (ii)
 	
            if to the Purchaser:

 
 
	
             
	
             
 	
            Opteum Mortgage Acceptance Corporation
 
	
             
	
             
 	
            W. 115 Century Road
 
	
             
	
             
 	
            Paramus, New Jersey 07652
 
	
             
	
             
 	
            Attention: General Counsel
 
	
             
	
             
 	
             
 
	
            or such other address
 	
            as may hereafter be furnished to the Seller in writing by the Purchaser.
 	
             

					

Section 7.04             Severability of Provisions.  If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be held invalid for any reason whatsoever then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement.

Section 7.05           Relationship of Parties.  Nothing herein contained shall be deemed or construed to create a partnership or joint venture between the parties hereto, and the services of the Seller shall be rendered as an independent contractor and not as agent for the Purchaser.

Section 7.06             Counterparts.  This Agreement may be executed in two or more counterparts and by the different parties hereto on separate counterparts, each of which, when so executed, shall be deemed to be an original and such counterparts together shall constitute one and the same Agreement.

 

 

Section 7.07            Survival.  The representations and warranties made herein by the Seller and the provisions of Article V hereof shall survive the purchase of the Mortgage Loans hereunder.

Section 7.08            Further Agreements.  The Purchaser and the Seller each agree to execute and deliver to the other such additional documents, instruments or agreements as may be necessary or appropriate to effectuate the purposes of this Agreement. Each of the Purchaser and the Seller agrees to use its best reasonable efforts to take all actions necessary to be taken by it to cause the Certificates to be issued and rated in the highest rating category by each of the Rating Agencies, with the Certificates to be offered pursuant to the Purchaser’s shelf registration statement, and each party will cooperate with the other in connection therewith.

Section 7.09             Intention of the Parties.  It is the intention of the parties that the Purchaser is purchasing, and the Seller is selling, the Mortgage Loans (other than the servicing rights with respect thereto), rather than a loan by the Purchaser to the Seller secured by the Mortgage Loans. Accordingly, the parties hereto each intend to treat this transaction with respect to the Mortgage Loans for federal income tax purposes as a sale by the Seller, and a purchase by the Purchaser, of the Mortgage Loans (other than the servicing rights with respect thereto). The Purchaser will have the right to review the Mortgage Loans and the Related Documents to determine the characteristics of the Mortgage Loans which will affect the federal income tax
consequences of owning the Mortgage Loans and the Seller will cooperate with all reasonable requests made by the Purchaser in the course of such review.

Section 7.10            Successors and Assigns; Assignment of Purchase Agreement.  This Agreement shall bind and inure to the benefit of and be enforceable by the Seller, the Purchaser, and their respective successors and assigns. The obligations of the Seller under this Agreement cannot be assigned or delegated to a third party without the consent of the Purchaser, which consent shall be at the Purchaser’s sole discretion. The parties hereto acknowledge that the Purchaser is acquiring the Mortgage Loans for the purpose of assigning the Mortgage Loans to the Trustee, on behalf of the Trust Fund, for the benefit of the Certificateholders. As an inducement to the Purchaser to purchase the Mortgage Loans, the Seller acknowledges and consents to the assignment by
the Purchaser to the Trustee, on behalf of the Trust Fund of all of the Purchaser’s rights against the Seller pursuant to this Agreement and to the enforcement or exercise of any right or remedy against the Seller pursuant to this Agreement by the Purchaser. Such enforcement of a right or remedy by the Trustee, on behalf of the Trust Fund, shall have the same force and effect as if the right or remedy had been enforced or exercised by the Purchaser directly.

[Signature Page Follows]

 

 

IN WITNESS WHEREOF, the Seller and the Purchaser have caused their names to be signed to this Mortgage Loan Purchase Agreement by their respective officers thereunto duly authorized as of the day and year first above written.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            OPTEUM MORTGAGE ACCEPTANCE CORPORATION

as Purchaser
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            OPTEUM FINANCIAL SERVICES, LLC
 as Seller
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
 
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
             
 

 

 

 

EXHIBIT 1

MORTGAGE LOAN SCHEDULE

 

 

EXHIBIT 2

REVISED February 07, 2005

 

APPENDIX E – Standard & Poor’s Anti-Predatory Lending Categorization

 

Standard & Poor’s has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (a) the risk exposure associated with the assignee liability and (b) the tests and thresholds set forth in those laws. Note that certain loans classified by the relevant statute as Covered are included in Standard & Poor’s High Cost Loan Category because they included thresholds and tests that are typical of what is generally considered High Cost by the industry. 

 

	
            Standard  & Poor’s High Cost Loan Categorization

 
  
	
            State/Jurisdiction
  	
            Name of Anti-Predatory  Lending Law/Effective Date
  	
            Category under Applicable  Anti-Predatory Lending Law
  
	
            Arkansas
 	
            Arkansas Home Loan Protection Act, Ark. Code Ann. §§ 23-53-101 et seq.

Effective July 16, 2003
 	
            High Cost Home Loan
 
	
            Cleveland Heights, OH
 	
            Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

Effective June 2, 2003 
 	
            Covered Loan
 
	
            Colorado
 	
            Consumer Equity Protection, Colo. Stat. Ann. §§ 5-3.5-101 et seq.

Effective for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2002
 	
            Covered Loan
 
	
            Connecticut
 	
            Connecticut Abusive Home Loan Lending Practices Act, Conn. Gen. Stat. §§ 36a-746 et seq. 

Effective October 1, 2001
 	
            High Cost Home Loan
 
	
            District of Columbia
 	
            Home Loan Protection Act, D.C. Code §§ 26-1151.01 et seq.

Effective for loans closed on or after January 28, 2003
 	
            Covered Loan
 

 

 

 

 

	
            Florida
 	
            Fair Lending Act, Fla. Stat. Ann. §§ 494.0078 et seq.

Effective October 2, 2002
 	
            High Cost Home Loan
 
	
            Georgia (Oct. 1, 2002 – Mar. 6, 2003)
 	
            Georgia Fair Lending Act, Ga. Code Ann. §§ 7-6A-1 et seq.

Effective October 1, 2002 – March 6, 2003
 	
            High Cost Home Loan
 
	
            Georgia as amended (Mar. 7, 2003 – current)
 	
            Georgia Fair Lending Act, Ga. Code Ann. §§ 7-6A-1 et seq.

Effective for loans closed on or after March 7, 2003
 	
            High Cost Home Loan
 
	
            HOEPA Section 32
 	
            Home Ownership and Equity Protection Act of 1994, 15 U.S.C. § 1639, 12 C.F.R. §§ 226.32 and 226.34

Effective October 1, 1995, amendments October 1, 2002
 	
            High Cost Loan
 
	
            Illinois
 	
            High Risk Home Loan Act, Ill. Comp. Stat. tit. 815, §§ 137/5 et seq.

Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001)
 	
            High Risk Home Loan 
 
	
            Indiana
 	
            Indiana Home Loan Practices Act, Ind. Code Ann. §§ 24-9-1-1 et seq. 

Effective for loans originated on or after January 1, 2005.
 	
            High Cost Home Loan
 
	
            Kansas
 	
            Consumer Credit Code, Kan. Stat. Ann. §§ 16a-1-101 et seq.

Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 
 	
            High Loan to Value Consumer Loan (id. § 16a-3-207) and;
 
	
            High APR Consumer Loan (id. § 16a-3-308a)
 
	
            Kentucky
 	
            2003 KY H.B. 287 – High Cost Home Loan Act, Ky. Rev. Stat. §§ 360.100 et seq.

Effective June 24, 2003
 	
            High Cost Home Loan
 
	
            Maine
 	
            Truth in Lending, Me. Rev. Stat. tit. 9-A, §§ 8-101 et seq.

Effective September 29, 1995 and as amended from time to time
 	
            High Rate High Fee Mortgage
 

 

 

 

 

	
            Massachusetts
 	
            Part 40 and Part 32, 209 C.M.R. §§ 32.00 et seq. and 209 C.M.R. §§ 40.01 et seq.

Effective March 22, 2001 and amended from time to time
 	
            High Cost Home Loan
 
	
             
 	
            Massachusetts Predatory Home Loan Practices Act

Mass. Gen. Laws ch. 183C,  §§ 1 et seq.

Effective November 7, 2004
 	
            High Cost Home Mortgage Loan
 
	
            Nevada
 	
            Assembly Bill No. 284, Nev. Rev. Stat. §§ 598D.010 et seq.

Effective October 1, 2003
 	
            Home Loan
 
	
            New Jersey
 	
            New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq.

Effective for loans closed on or after November 27, 2003
 	
            High Cost Home Loan
 
	
            New Mexico
 	
            Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq.

Effective as of January 1, 2004; Revised as of February 26, 2004
 	
            High Cost Home Loan
 
	
            New York
 	
            N.Y. Banking Law Article 6-l

Effective for applications made on or after April 1, 2003
 	
            High Cost Home Loan
 
	
            North Carolina
 	
            Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq.

Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit)
 	
            High Cost Home Loan
 
	
            Ohio
 	
            H.B. 386 (codified in various sections of the Ohio Code), Ohio Rev. Code Ann. §§ 1349.25 et seq.

Effective May 24, 2002
 	
            Covered Loan
 

 

 

 

 

	
            Oklahoma
 	
            Consumer Credit Code (codified in various sections of Title 14A)

Effective July 1, 2000; amended effective January 1, 2004
 	
            Subsection 10 Mortgage
 
	
            South Carolina
 	
            South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. §§ 37-23-10 et seq.

Effective for loans taken on or after January 1, 2004
 	
            High Cost Home Loan
 
	
            West Virginia 
 	
            West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Ann. §§ 31-17-1 et seq.

Effective June 5, 2002
 	
            West Virginia Mortgage Loan Act Loan
 

 

 

 

Standard & Poor’s Covered Loan Categorization

 

	
            State/Jurisdiction
 	
            Name of Anti-Predatory Lending Law/Effective Date
 	
            Category under Applicable Anti-Predatory Lending Law
 
	
            Georgia (Oct. 1, 2002 – Mar. 6, 2003)
 	
            Georgia Fair Lending Act, Ga. Code Ann. §§ 7-6A-1 et seq.

Effective October 1, 2002 – March 6, 2003
 	
            Covered Loan
 
	
            New Jersey
 	
            New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq.

Effective November 27, 2003 – July 5, 2004
 	
            Covered Home Loan
 

 

	
            Standard  & Poor’s Home Loan Categorization

 
  
	
            State/Jurisdiction
  	
            Name of Anti-Predatory Lending  Law/Effective Date
  	
            Category under Applicable  Anti-Predatory Lending Law
  
	
            Georgia (Oct. 1, 2002 – Mar. 6, 2003)
 	
            Georgia Fair Lending Act, Ga. Code Ann. §§ 7-6A-1 et seq.

Effective October 1, 2002 – March 6, 2003
 	
            Home Loan
 
	
            New Jersey
 	
            New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq.

Effective for loans closed on or after November 27, 2003
 	
            Home Loan
 
	
            New Mexico
 	
            Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq.

Effective as of January 1, 2004; Revised as of February 26, 2004
 	
            Home Loan
 
	
            North Carolina
 	
            Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq.

Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit)
 	
            Consumer Home Loan
 

	
            South Carolina
 	
            South Carolina High Cost and Consumer Home Loans Act, S.C. Code Ann. §§ 37-23-10 et seq.

Effective for loans taken on or after January 1, 2004
 	
            Consumer Home Loan
 

 

 

 

EXHIBIT Q

FORM OF CERTIFICATE INSURANCE POLICY

[AVAILABLE UPON REQUEST]FINANCIAL ASSET SECURITIES CORP.,

as Depositor,

and

OCEAN BANK, F.S.B.,

as Seller and Servicer,

and

DEUTSCHE BANK NATIONAL TRUST COMPANY,

as Trustee

 

POOLING AND SERVICING AGREEMENT

Dated as of November 1, 2005

 

Home Equity Loan Asset-Backed Certificates

 

Series 2005-1

 

 

 

TABLE OF CONTENTS

ARTICLE I

DEFINITIONS

	
            Section 1.01
 	
            Definitions. 
 

	
            Section 1.02
 	
            Interest Calculations. 
 

	
            Section 1.03
 	
            Allocation of Certain Interest Shortfalls. 
 

ARTICLE II

CONVEYANCE OF INITIAL MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES; TAX TREATMENT

	
            Section 2.01
 	
            Conveyance of Initial Mortgage Loans. 
 

	
            Section 2.02
 	
            Acceptance by Trustee. 
 

	
            Section 2.03
 	
            Representations, Warranties and Covenants Regarding the Seller and the Servicer. 
 

	
            Section 2.04
 	
            Representations and Warranties of the Seller Regarding the Mortgage Loans. 
 

	
            Section 2.05
 	
            Representations and Warranties of the Depositor. 
 

	
            Section 2.06
 	
            Substitution of Mortgage Loans. 
 

	
            Section 2.07
 	
            Execution and Authentication of Certificates. 
 

	
            Section 2.08
 	
            Designation of Interests in REMIC 3. 
 

	
            Section 2.09
 	
            Designation of Start-up Day. 
 

	
            Section 2.10
 	
            [RESERVED]. 
 

	
            Section 2.11
 	
            Tax Returns and Reports to Certificateholders. 
 

	
            Section 2.12
 	
            Tax Matters Person. 
 

	
            Section 2.13
 	
            REMIC Related Covenants. 
 

	
            Section 2.14
 	
            Subsequent Transfers. 
 

	
            Section 2.15
 	
            Conveyance of REMIC Regular Interests and Acceptance of REMIC 1, REMIC 2 and REMIC 3 by the Trustee; Issuance of Certificates. 
 

ARTICLE III

ADMINISTRATION AND SERVICING OF MORTGAGE LOANS

	
            Section 3.01
 	
            The Servicer. 
 

	
            Section 3.02
 	
            Collection of Certain Mortgage Loan Payments. 
 

	
            Section 3.03
 	
            Withdrawals from the Collection Account. 
 

	
            Section 3.04
 	
            Maintenance of Hazard Insurance; Property Protection Expenses. 
 

	
            Section 3.05
 	
            Maintenance of Mortgage Impairment Insurance Policy. 
 

	
            Section 3.06
 	
            Fidelity Bond. 
 

	
            Section 3.07
 	
            Management and Realization Upon Defaulted Mortgage Loans. 
 

	
            Section 3.08
 	
            Trustee to Cooperate. 
 

	
            Section 3.09
 	
            Servicing Compensation; Payment of Certain Expenses by Servicer. 
 

	
            Section 3.10
 	
            Annual Statement as to Compliance. 
 

	
            Section 3.11
 	
            Annual Servicing Report. 
 

	
            Section 3.12
 	
            Access to Certain Documentation and Information Regarding the Mortgage Loans. 
 

	
            Section 3.13
 	
            [Reserved]. 
 

	
            Section 3.14
 	
            Reports to the Securities and Exchange Commission. 
 

	
            Section 3.15
 	
            Reports of Foreclosures and Abandonments of Mortgaged Property; Returns Relating to Mortgage Interest Received from Individuals and Returns Relating to Cancellation of Indebtedness. 
 

	
            Section 3.16
 	
            Advances by the Servicer. 
 

 

 

	
            Section 3.17
 	
            [Reserved]. 
 

	
            Section 3.18
 	
            Superior Liens. 
 

	
            Section 3.19
 	
            Assumption Agreements. 
 

	
            Section 3.20
 	
            Payment of Taxes, Insurance and Other Charges. 
 

ARTICLE IV

SPREAD ACCOUNT, CERTIFICATE INSURANCE POLICY, BASIS RISK RESERVE FUND, PRE-FUNDING ACCOUNT AND INTEREST COVERAGE ACCOUNT

	
            Section 4.01
 	
            Establishment of Spread Account; Deposits in Spread Account; Permitted Withdrawals from Spread Account. 
 

	
            Section 4.02
 	
            Certificate Insurance Policy. 
 

	
            Section 4.03
 	
            Establishment of Basis Risk Reserve Fund; Deposits in Basis Risk Reserve Fund; Permitted Withdrawals from Basis Risk Reserve Fund. 
 

	
            Section 4.04
 	
            Establishment of Pre-Funding Account; Deposits in Pre-Funding Account; Permitted Withdrawals from Pre-Funding Account. 
 

	
            Section 4.05
 	
            Establishment of Interest Coverage Account; Deposits in Interest Coverage Account and Permitted Withdrawals from Interest Coverage Account. 
 

ARTICLE V

PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS; RIGHTS OF CERTIFICATEHOLDERS

	
            Section 5.01
 	
            Distributions. 
 

	
            Section 5.02
 	
            Calculation of the Class A Certificate Interest Rate. 
 

	
            Section 5.03
 	
            [Reserved]. 
 

	
            Section 5.04
 	
            Compensating Interest. 
 

	
            Section 5.05
 	
            Statements. 
 

	
            Section 5.06
 	
            [Reserved]. 
 

	
            Section 5.07
 	
            Distribution Account. 
 

	
            Section 5.08
 	
            Investment of Accounts. 
 

	
            Section 5.09
 	
            The Corridor Contract
 

	
            Section 5.10
 	
            Distributions on the REMIC Regular Interests. 
 

ARTICLE VI

THE CERTIFICATES

	
            Section 6.01
 	
            The Certificates. 
 

	
            Section 6.02
 	
            Registration of Transfer and Exchange of Certificates. 
 

	
            Section 6.03
 	
            Mutilated, Destroyed, Lost or Stolen Certificates. 
 

	
            Section 6.04
 	
            Persons Deemed Owners. 
 

	
            Section 6.05
 	
            Appointment of Paying Agent. 
 

ARTICLE VII

THE SELLER, THE SERVICER AND THE DEPOSITOR

	
            Section 7.01
 	
            Liability of the Seller, the Servicer and the Depositor. 
 

	
            Section 7.02
 	
            Merger or Consolidation of, or Assumption of the Obligations of, the Seller, the Servicer or the Depositor. 
 

	
            Section 7.03
 	
            Limitation on Liability of the Servicer and Others. 
 

	
            Section 7.04
 	
            Servicer Not to Resign. 
 

	
            Section 7.05
 	
            Delegation of Duties. 
 

	
            Section 7.06
 	
            Indemnification of the Trust by the Servicer. 
 

 

 

ARTICLE VIII

DEFAULT

	
            Section 8.01
 	
            Events of Default. 
 

	
            Section 8.02
 	
            Trustee to Act; Appointment of Successor. 
 

	
            Section 8.03
 	
            Waiver of Defaults. 
 

	
            Section 8.04
 	
            Rights of the Certificate Insurer to Exercise Rights of Class A Certificateholders. 
 

	
            Section 8.05
 	
            Trustee To Act Solely with Consent of the Certificate Insurer. 
 

	
            Section 8.06
 	
            Mortgage Loans, Trust and Accounts Held for Benefit of the Certificate Insurer. 
 

	
            Section 8.07
 	
            Certificate Insurer Default. 
 

	
            Section 8.08
 	
            Notification to Certificateholders. 
 

ARTICLE IX

THE TRUSTEE

	
            Section 9.01
 	
            Duties of Trustee. 
 

	
            Section 9.02
 	
            Certain Matters Affecting the Trustee. 
 

	
            Section 9.03
 	
            Trustee Not Liable for Certificates or Mortgage Loans. 
 

	
            Section 9.04
 	
            Trustee May Own Certificates. 
 

	
            Section 9.05
 	
            Trustee Compensation; Payment of Trustee’s Expense by Servicer. 
 

	
            Section 9.06
 	
            Eligibility Requirements for Trustee. 
 

	
            Section 9.07
 	
            Resignation or Removal of Trustee. 
 

	
            Section 9.08
 	
            Successor Trustee. 
 

	
            Section 9.09
 	
            Merger or Consolidation of Trustee. 
 

	
            Section 9.10
 	
            Appointment of Co-Trustee or Separate Trustee. 
 

	
            Section 9.11
 	
            Limitation of Liability. 
 

	
            Section 9.12
 	
            Trustee May Enforce Claims Without Possession of Certificates. 
 

	
            Section 9.13
 	
            Suits for Enforcement. 
 

ARTICLE X

TERMINATION

	
            Section 10.01
 	
            Termination. 
 

	
            Section 10.02
 	
            Additional Termination Requirements. 
 

ARTICLE XI

MISCELLANEOUS PROVISIONS

	
            Section 11.01
 	
            Amendment. 
 

	
            Section 11.02
 	
            Recordation of Agreement. 
 

	
            Section 11.03
 	
            Limitation on Rights of Certificateholders. 
 

	
            Section 11.04
 	
            Governing Law. 
 

	
            Section 11.05
 	
            Notices. 
 

	
            Section 11.06
 	
            Severability of Provisions. 
 

	
            Section 11.07
 	
            Assignment. 
 

	
            Section 11.08
 	
            Certificates Nonassessable and Fully Paid. 
 

	
            Section 11.09
 	
            Third-Party Beneficiaries. 
 

	
            Section 11.10
 	
            Counterparts. 
 

	
            Section 11.11
 	
            Effect of Headings and Table of Contents. 
 

	
            Section 11.12
 	
            Insurance Agreement. 
 

 

 

 

	
            EXHIBIT A-1
 	
            FORM OF CLASS A-1 CERTIFICATE
 

	
            EXHIBIT A-2
 	
            FORM OF CLASS A-2 CERTIFICATE
 

	
            EXHIBIT A-3
 	
            FORM OF CLASS A-3 CERTIFICATE
 

	
            EXHIBIT B-1
 	
            FORM OF CLASS R-1 CERTIFICATE
 

	
            EXHIBIT B-2
 	
            FORM OF CLASS R-2 CERTIFICATE
 

	
            EXHIBIT B-3
 	
            FORM OF CLASS C CERTIFICATE
 

	
            EXHIBIT C –
 	
            FORM OF LOAN SCHEDULE
 

	
            EXHIBIT D –
 	
            MONTHLY INFORMATION DELIVERED TO TRUSTEE
 

	
            EXHIBIT E –
 	
            FORM OF MORTGAGE NOTE
 

	
            EXHIBIT F –
 	
            FORM OF MORTGAGES
 

	
            EXHIBIT G –
 	
            TRANSFER AFFIDAVIT
 

	
            EXHIBIT H –
 	
            LETTER OF REPRESENTATIONS
 

	
            EXHIBIT I –
 	
            FORM OF REQUEST FOR RELEASE
 

	
            EXHIBIT J –
 	
            FORM OF INVESTMENT LETTER
 

	
            EXHIBIT K –
 	
            SPECIMEN A OF EACH CERTIFICATE INSURANCE POLICY
 

	
            EXHIBIT L –
 	
            MONTHLY DELINQUENCY AND FORECLOSURE INFORMATION
 

	
            EXHIBIT M –
 	
            LETTER OF INSTRUCTION TO TRUSTEE
 

	
            EXHIBIT N –
 	
            FORM OF CERTIFICATION TO BE PROVIDED BY THE SERVICER WITH FORM 10-K
 

	
            EXHIBIT O –
 	
            FORM OF CERTIFICATION TO BE PROVIDED TO SERVICER BY THE TRUSTEE
 

	
            EXHIBIT P –
 	
            FORM OF SUBSEQUENT TRANSFER AGREEMENT
 

	
            EXHIBIT Q –
 	
            SUBSEQUENT FUNDING PARAMETERS
 

	
            EXHIBIT R –
 	
            FORM OF CORRIDOR CONTRACT
 

 

 

This Pooling and Servicing Agreement, dated as of November 1, 2005, among Financial Asset Securities Corp., as Depositor (the “Depositor”), Ocean Bank, F.S.B., as Seller and Servicer (the “Seller” and the “Servicer,” respectively), and Deutsche Bank National Trust Company, as Trustee (the “Trustee”).

PRELIMINARY STATEMENT

The Depositor intends to sell pass-through certificates (collectively, the “Certificates”), to be issued hereunder in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in the Trust Fund created hereunder. The Certificates will consist of five classes of certificates, designated as (i) the Class A-1 Certificates, (ii) the Class A-2 Certificates, (iii) the Class A-3 Certificates, (iv) the Class C Certificates and (v) the Class R Certificates.

 

 

REMIC 1

As provided herein, the Trustee shall elect to treat the segregated pool of assets consisting of the Mortgage Loans and certain other related assets subject to this Agreement (exclusive of the Basis Risk Reserve Fund, the Spread Account, the Pre-Funding Account, any Subsequent Mortgage Loan Interest,  the Corridor Contract and the Interest Coverage Account) as a REMIC for federal income tax purposes, and such segregated pool of assets shall be designated as “REMIC 1.”  The Class R-1 Interest shall represent the sole class of “residual interests” in REMIC 1 for purposes of the REMIC Provisions (as defined herein). The following table irrevocably sets forth the designation, the Uncertificated REMIC 1 Pass-Through Rate, the initial Uncertificated Principal Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible
maturity date” for each of the REMIC 1 Regular Interests (as defined herein). None of the REMIC 1 Regular Interests shall be certificated. 

 

	
            
Designation
 
 	
            
Uncertificated REMIC 1
 Pass-Through Rate
 
 	
            
Initial Uncertificated
 Principal Balance
 
 	
            
Latest Possible
 Maturity Date(1)
 
 
	
            LT1
 	
            Variable(2)
 	
            $129,522,029.69 
 	
            April 2036
 
	
            LT1PF
 	
            Variable(2)
 	
            $40,477,970.31 
 	
            April 2036
 

 

________________

 

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

 

	
            (2)
 	
            Calculated in accordance with the definition of “Uncertificated REMIC 1 Pass-Through Rate” herein.
 

 

 

 

REMIC 2

As provided herein, the Trustee shall elect to treat the segregated pool of assets consisting of the REMIC 1 Regular Interests as a REMIC for federal income tax purposes, and such segregated pool of assets shall be designated as “REMIC 2.” The Class R-2 Interest shall represent the sole class of “residual interests” in REMIC 2 for purposes of the REMIC Provisions under federal income tax law. The following table irrevocably sets forth the designation, the Uncertificated REMIC 2 Pass-Through Rate, the initial Uncertificated Principal Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each of the REMIC 2 Regular Interests (as defined herein) certificated.  None of the REMIC 2 Regular Interests will be certificated.

	
            
Designation
 
 	
            
Uncertificated REMIC 2
 Pass-Through Rate
 
 	
            
Initial Uncertificated
 Principal Balance
 
 	
            
Latest Possible
 Maturity Date (1)
 
 
	
            LTA1
 	
            Variable(2)
 	
            $92,500,000.00 
 	
            April 2036
 
	
            LTA2
 	
            Variable(2)
 	
            $35,250,000.00 
 	
            April 2036
 
	
            LTA3
 	
            Variable(2)
 	
            $42,250,000.00 
 	
            April 2036
 

 

________________

 

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

 
 

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

 

 

 

 

REMIC 3

As provided herein, the Trustee shall elect to treat the segregated pool of assets consisting of the REMIC 2 Regular Interests as a REMIC for federal income tax purposes, and such segregated pool of assets shall be designated as “REMIC 3.”  The Class R-3 Interest shall evidence the sole class of “residual interests” in REMIC 3 for purposes of the REMIC Provisions.  

 

The following table irrevocably sets forth the designation, the Certificate Interest Rate, the Original Class Certificate Principal Balance and, for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the “latest possible maturity date” for each Class of Certificates that represents one or more of the “regular interests” in REMIC 3 created hereunder: 

 

	
            
Designation
 
 	
            
Original Class Certificate
 Principal Balance
 
 	
            
Certificate Interest Rate
 
 	
            
Latest Possible
 Maturity Date (1)
 
 
	
            Class A-1                                                                           
 	
            $92,500,000.00 
 	
            Variable(2)
 	
            April 2036
 
	
            Class A-2                                                                           
 	
            $35,250,000.00 
 	
            Variable(2)
 	
            April 2036
 
	
            Class A-3                                                                           
 	
            $42,250,000.00 
 	
            Variable(2)
 	
            April 2036
 
	
            Class C                                                                                     
 	
            $0.00(3)
 	
            Variable(4)
 	
            April 2036
 

 

________________

 

	
            (1) 
 	
            For purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the Distribution Date in the month immediately following the maturity date for the Mortgage Loan with the latest maturity date has been designated as the “latest possible maturity date” for each Class of Certificates that represents one or more of the “regular interests” in REMIC 3.
 

 
 

	
            (2)
 	
            Calculated in accordance with the definition of “Class A Certificate Interest Rate” herein.
 

 
 

	
            (3)
 	
            The Class C Certificate will accrue interest at its variable Class C Certificate Interest Rate on the Notional Amount of the Class C Certificate outstanding from time to time which shall equal the aggregate of the Uncertificated Principal Balances of the REMIC 2 Regular Interests.  The Class C Certificate will not accrue interest on its Class C Certificate Principal Balance.  The Class C Certificates will also be entitled to Subsequent Mortgage Loan Interest, as a right with respect to a component of the Class C Certificates that will not be treated as a REMIC regular interest but rather as separate interest strips from the Subsequent Mortgage Loans for a specified period of time.
 

 
 

	
            (4)
 	
            Calculated in accordance with the definition of “Class C Certificate Interest Rate” herein.
 

 

 

 

 

 

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

In consideration of the mutual agreements herein contained, the parties hereto agree as follows:

 

 

ARTICLE I

 

Definitions

	
             
  	
            Section 1.01
 	
            Definitions.
 

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

Accounts:  Collectively, the Collection Account, the Distribution Account, the Pre-Funding Account, the Interest Coverage Account and the Spread Account.

Accrual Period:  As to each Distribution Date and the Class A Certificates, other than the first Distribution Date, the period beginning on the preceding Distribution Date and ending on the day preceding such Distribution Date, and in the case of the first Distribution Date, the period beginning on the Closing Date and ending on the day preceding the first Distribution Date, in each case on the basis of a 360 day year and the actual number of days elapsed.  With respect to the Class C Certificates and each Distribution Date, the calendar month prior to the month of such Distribution Date.

Addition Notice:  The notice given pursuant to Section 2.14 with respect to the transfer of Subsequent Mortgage Loans to the Trust pursuant to such Section.

Adjusted Net Mortgage Rate: With respect to any Mortgage Loan (or the related REO Property), as of any date of determination, (1) a per annum rate of interest equal to the applicable Mortgage Rate for such Mortgage Loan as of the first day of the month preceding the month in which the related Distribution Date occurs minus the sum of the (2) the Premium Percentage, (3) the Servicing Fee Rate for such Mortgage Loan and (4) the Trustee Fee Rate for such Mortgage Loan. 

Adjustment Date:  With respect to the Class A Certificates and any related Interest-Period, the second LIBOR Business Day preceding the first day of such Accrual Period.

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

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

Aggregate Principal Balance:  As of any date of determination, the sum of all the Principal Balances of the Mortgage Loans.

Appraised Value:  The appraised value of the Mortgaged Property based upon the appraisal made by or for the originator at the time of the origination of the related Mortgage Loan, or the purchase price of the Mortgaged Property at the time of such origination, whichever 

 

is less, if the Mortgage Loan proceeds from such Mortgage Loan are used to purchase such Mortgaged Property, or with respect to any Mortgage Loan originated in connection with a refinancing, the appraised value of the Mortgaged Property based upon the appraisal made at the time of such refinancing.

Assignment of Mortgage:  With respect to any Mortgage, an assignment, notice of transfer or equivalent instrument, in recordable form, sufficient under the laws of the jurisdiction in which the related Mortgaged Property is located to reflect the sale of the Mortgage to the Trustee, which assignment, notice of transfer or equivalent instrument may be in the form of one or more blanket assignments covering the Mortgage Loans secured by Mortgaged Properties located in the same jurisdiction.

Authorized Newspaper:  A newspaper of general circulation in the Borough of Manhattan, The City of New York, printed in the English language and customarily published on each Business Day, whether or not published on Saturdays, Sundays and holidays.

Available Funds:  As to any Distribution Date, the sum of (A) the sum of all amounts described in clauses (i) through (vii) of Section 3.02(b) received by the Servicer (including any amounts paid by the Servicer and the Seller and excluding (a) any amounts not required to be deposited in the Collection Account pursuant to Section 3.02(b), (b) any amounts paid to the Servicer pursuant to Section 3.03(ii), (iii), (iv)(b), (v), (vi), (vii), (viii) and (ix) as of the related Determination Date) during the related Due Period and deposited into the Collection Account as of the Determination Date and (c) any amounts paid to the Trustee pursuant to Section 3.03(xi), (B) any amounts deposited into the Distribution Account from the Spread Account pursuant to Section 4.01, (C) Insured Amounts, if any, (D) any amounts deposited into the Distribution Account from the
Interest Coverage Account pursuant to Section 4.05(c) and (E) on the Distribution Date immediately following the end of the Funding Period, any Excess Funding Amount.  No amount included in this definition by virtue of being described by any component of the definition thereof shall be included twice by virtue of also being described by any other component or otherwise.

Base Spread Account Requirement: As such amount may be reduced from time to time in accordance with the provisions hereof: (a) with respect to any Distribution Date occurring during the period commencing after the Closing Date and ending on the later to occur of (i) the Distribution Date occurring in November 2007, and (ii) the Distribution Date upon which the Class A Certificate Principal Balance is less than or equal to 50% of the sum of the Cut-Off Date Pool Principal Balance and the Original Pre-Funded Amount, 3.10% of the sum of the Cut-Off Date Pool Principal Balance and the Original Pre-Funded Amount; and (b) with respect to each Distribution Date thereafter, the greater of (A) 6.20% of the Aggregate Principal Balance of the Mortgage Loans at the end of the related Due Period, (B) the greater of (1) 0.50% of the sum of
the Cut-Off Date Pool Principal Balance and the Original Pre-Funded Amount, and (2) the sum of the Principal Balances of the three largest outstanding Mortgage Loans, and (C) the product of (x) two and (y) the excess of (1) 90% of the outstanding Principal Balance of Mortgage Loans more than 90 days delinquent or in foreclosure or held as REO Property as of the first day of the related Due Period over (2) five times the Monthly Excess Spread Amount for such Distribution Date; provided, however, that the Base Spread Account Requirement shall not exceed the Aggregate Principal Balance of the Mortgage Loans.

 

 

Basis Risk Reserve Fund:  The separate account or accounts created and maintained by the Trustee for the benefit of the Class A Certificateholders pursuant to Section 4.03.  The Basis Risk Reserve Fund shall be held in an Eligible Account.  Funds in the Basis Risk Reserve Fund shall be held in trust for the Holders of the Class A Certificates for the uses and purposes set forth in this Agreement.  The Basis Risk Reserve Fund will be accounted for by the Trustee as an “outside reserve fund” within the meaning of Treasury regulation Section 1.860G-2(h) established and maintained pursuant to Section 4.03.  The Basis Risk Reserve Fund shall not be treated as an asset of any REMIC created hereunder. Owners of the Basis Risk Reserve Fund for federal tax purposes shall be the Class C Certificateholders.

BIF:  The Bank Insurance Fund, as from time to time constituted, created under the Financial Institutions Reform, Recovery and Enhancement Act of 1989, or, if at any time after the execution of this instrument the Bank Insurance Fund is not existing and performing duties now assigned to it, the body performing such duties on such date.

Book-Entry Certificate:  Any Class A Certificate registered in the name of the Depository or its nominee, ownership of which is reflected on the books of the Depository or on the books of a Person maintaining an account with such Depository (directly or as an indirect participant in accordance with the rules of such Depository).

Business Day:  Any day other than (i) a Saturday or a Sunday, or (ii) a day on which banking institutions in the States of New York, Rhode Island or California are required or authorized by law to be closed.

Capitalized Interest Required Amount: With respect to each of the first three Distribution Dates, $3,333.33.

Certificate:  Any Regular Certificate or Class R Certificate.

Certificate Insurance Policy:  The Certificate Guaranty Insurance Policy (No. AB0944BE) with respect to the Class A Certificates, and all endorsements thereto dated the Closing Date, issued by the Certificate Insurer for the benefit of the Holders of the Class A Certificates, a copy of which is attached hereto as Exhibit K.

Certificateholder or Holder:  The Person in whose name a Certificate is registered in the Certificate Register, except that, solely for the purpose of giving any consent, direction, waiver or request pursuant to this Agreement, (x) any Class A Certificate registered in the name of the Depositor or any Person known to a Responsible Officer to be an Affiliate of the Depositor, and (y) any Class A Certificate for which the Depositor or any Person known to a Responsible Officer to be an Affiliate of the Depositor is the Certificate Owner, shall be deemed not to be outstanding (unless to the knowledge of a Responsible Officer, (i) the Depositor or such Affiliate is acting as trustee or nominee for a Person who is not an Affiliate of such Depositor and who makes the voting decisions with respect to such Class A Certificates, or (ii) the Depositor or such Affiliate is
the Certificate Owner of all the Class A Certificates) and the Percentage Interest evidenced thereby shall not be taken into account in determining whether the requisite amount of Percentage Interests necessary to effect any such consent, direction, waiver or request has been obtained.

 

 

Certificate Insurer:  Ambac Assurance Corporation, a Wisconsin-domiciled stock insurance corporation.

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

Certificate Margin:  With respect to each Class A Certificate, as follows:

 

	
            
Class
 
 	
            
REMIC 2 Regular Interest
 
 	
            
Certificate Margin
 
 
	
            
(1) (%)
 
 	
            
(2) (%)
 
 
	
            A-1
 	
            LTA1
 	
            0.10%
 	
            0.20%
 
	
            A-2
 	
            LTA2
 	
            0.25%
 	
            0.50%
 
	
            A-3
 	
            LTA3
 	
            0.36%
 	
            0.72%
 

__________

	
             
 	
            (1)
 	
            For the Accrual Period for each Distribution Date on or prior to the Optional Termination  Date.
 

	
             
 	
            (2)
 	
            For each other Accrual Period.
 

 

Certificate Owner:  The Person who is the beneficial owner of a Book-Entry Certificate.

Certificate Register and Certificate Registrar:  The register maintained and the registrar appointed pursuant to Section 6.02.

Civil Relief Act:  The Servicemembers Civil Relief Act of 2003.

Civil Relief Act Interest Shortfall:  With respect to any Distribution Date, for any Mortgage Loan as to which there has been a reduction in the amount of interest collectible thereon for the most recently ended Due Period as a result of the application of the Civil Relief Act, the amount, if any, by which interest collectible on such Mortgage Loan during such Due Period is less than (a) one month’s interest on the Principal Balance of such Mortgage Loan at the rate equal to the sum of (b) (1) the Class A Certificate Interest Rate, (2) the Premium Percentage, (3) the Servicing Fee Rate for such Mortgage Loan and (4) the Trustee Fee Rate for such Mortgage Loan.

Class:  With respect to each of Class A, Class C and Class R, all of the Certificates of such Class.

Class A Available Funds Cap: For any Distribution Date is a per annum rate equal to the product of (a) a fraction, expressed as a percentage, the numerator of which is (i) the amount of interest which accrued on the Mortgage Loans in the prior calendar month minus (ii) the sum of the Servicing Fee, the Trustee Fee and the Premium Amount for such Distribution Date and the denominator of which is the sum of (i) the aggregate Principal Balance of the Mortgage Loans as of the last day of the immediately preceding Due Period (or as of the Cut-off Date with respect to the first Distribution Date) and (ii) any amounts on deposit in the Pre-Funding Account and (b) a fraction whose numerator is 360 and whose denominator is the actual number of days in the related Accrual Period.  For federal income tax purposes, the economic equivalent of such rate shall be expressed as
the weighted average of the Uncertificated REMIC 2 Pass-Through Rates 

 

on the REMIC 2 Regular Interests, weighted on the basis of the Uncertificated Principal Balance of each such REMIC 2 Regular Interest.

Class A Available Funds Cap Carryover Amount: For any Distribution Date is the sum of (a) the excess, if any, of the Interest Distribution Amount for the Class A Certificates, calculated at the Class A Certificate Interest Rate without giving effect to the Class A Available Funds Cap, over the Class Monthly Interest Amount for the Class A Certificates for such Distribution Date, (b) any excess described in clause (a) remaining unpaid from prior Distribution Dates and (c) one month’s interest on the amount in clause (b) calculated at the Class A Certificate Interest Rate and on the basis of the actual number of days elapsed.

Class A Certificate:  Any Certificate executed and authenticated by the Trustee substantially in the form attached hereto as Exhibit A-1, Exhibit A-2 and Exhibit A-3 and designated as a Class A-1 Certificate, Class A-2 Certificate or Class A-3 Certificate pursuant to Section 6.01.

Class A Certificateholder:  A Holder of a Class A-1 Certificate, Class A-2 Certificate or Class A-3 Certificate.

Class A Certificate Interest Rate: On any Distribution Date with respect to the related Class A Certificates will be a per annum rate equal to the lesser of (a) the Formula Rate and (b) the Class A Available Funds Cap for such Distribution Date. 

Class A Certificate Principal Balance: As of any Determination Date, the Original Class A Certificate Balance reduced by the sum of all distributions of principal previously distributed to the Class A Certificateholders on all previous Distribution Dates.

Class A Principal Distribution Amount:  With respect to any Distribution Date, the sum of the Monthly Principal Amount and the Principal Shortfall Amount for such Distribution Date.

Class C Certificate Interest Rate: With respect to the Class C Certificates and any Distribution Date, a per annum rate equal to the percentage equivalent of a fraction, the numerator of which is the sum of each amount (which amount may not be less than zero) calculated pursuant to clauses (a) through (c) below, and the denominator of which is the aggregate of the Uncertificated Principal Balances of REMIC 2 Regular Interest LTA1, REMIC 2 Regular Interest LTA2 and REMIC 2 Regular Interest LTA3.  For purposes of calculating the Pass-Through Rate for the Class C Certificates, the numerator is equal to the sum of the following components:

(a)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LTA1 minus the Formula Rate of the Corresponding Certificate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LTA1;

(b)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LTA2 minus the Formula Rate of the Corresponding Certificate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LTA2; and

 

 

(c)          the Uncertificated REMIC 2 Pass-Through Rate for REMIC 2 Regular Interest LTA3 minus the Formula Rate of the Corresponding Certificate, applied to an amount equal to the Uncertificated Principal Balance of REMIC 2 Regular Interest LTA3. 

Class C Certificate Principal Balance: With respect to the Class C Certificates as of any Determination Date, an amount equal to the excess, if any, of (A) the then aggregate Uncertificated Principal Balance of the REMIC 2 Regular Interests over (B) the then aggregate Certificate Principal Balance of the Class A Certificates then outstanding.  

Class Interest Carryover Shortfall:  As to any Distribution Date and the Class A Certificates, the excess, if any, of the Class Monthly Interest Amount for the preceding Distribution Date and any outstanding Class Interest Carryover Shortfall on such preceding Distribution Date, over the amount in respect of interest that is actually distributed to the Class A Certificates on such preceding Distribution Date, plus interest thereon at the Class A Certificate Interest Rate.

Class Monthly Interest Amount:  As to any Distribution Date and the Class A Certificates, the amount of interest at the Class A Certificate Interest Rate accrued during the related Accrual Period on the Class A Certificate Principal Balance immediately prior to such Distribution Date, reduced by an amount equal to the sum of (a) Civil Relief Act Interest Shortfalls for the related Distribution Date and (b) Net Prepayment Interest Shortfalls for the related Distribution Date.

Class R Certificate: The Class R Certificate executed by the Trustee, and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit B-1 and evidencing the ownership of the Class R-1 Interest, the Class R-2 Interest and the Class R-3 Interest.

Class R-1 Interest:  The uncertificated Residual Interest in REMIC 1.

Class R-2 Interest:  The uncertificated Residual Interest in REMIC 2.

Class R-3 Interest:  The uncertificated Residual Interest in REMIC 3.

Class R Certificateholder:  The Holder of a Class R Certificate.

Closing Date:  November 29, 2005.

Code:  The Internal Revenue Code of 1986, as the same may be amended from time to time (or any successor statute thereto).

Collection Account:  The custodial account or accounts created and maintained for the benefit of the Certificateholders pursuant to Section 3.02(b). The Collection Account shall be an Eligible Account.

Combined Loan-to-Value Ratio or CLTV:  With respect to any Mortgage Loan, the sum of the original principal balance of such Mortgage Loan and the remaining balance of the First 

 

Lien and any other lien senior to the lien of the related Mortgage, if any, as of the date of origination of the Mortgage Loan, divided by the Appraised Value.

Compensating Interest:  As to any Distribution Date, the amount calculated pursuant to Section 5.04.

Corporate Trust Office:  The principal office of the Trustee at which at any particular time its corporate business shall be administered, which office on the Closing Date is located at 1761 East St. Andrew Place, Santa Ana, California 92705, Attention: HL0501.

Corresponding Certificate: With respect to each REMIC 2 Regular Interest set forth below, the corresponding Regular Certificate set forth in the table below:

	
            
REMIC 2 Regular Interest
 
 	
            
Regular Certificate
 
 
	
            LTA1
 	
            Class A-1
 
	
            LTA2
 	
            Class A-2
 
	
            LTA3
 	
            Class A-3
 

 

Corridor Contract:  The interest rate corridor contract relating to the Class A Certificates, dated November 29, 2005 between the Corridor Contract Counterparty and the Trustee, on behalf of the Trust, substantially in the form of Exhibit R hereto.

Corridor Contract Counterparty: The Royal Bank of Scotland plc and its successors.

Corridor Contract Termination Date: Immediately after the Distribution Date in January 2009.

Corridor Payment Date: The date set forth in the Corridor Contract as the monthly date on which the Corridor Contract Counterparty is required to make a payment, if any, to the Trust.

Curtailment:  With respect to a Mortgage Loan, any payment of principal received during a Due Period as part of a payment that is in excess of the amount of the Monthly Payment due for such Due Period and which is not intended to satisfy the Mortgage Loan in full, nor is intended to cure a delinquency.

Cut-Off Date:  With respect to the Initial Mortgage Loans, the later of (i) the close of business on November 1, 2005 and (ii) the date of origination of such Initial Mortgage Loan and with respect to the Subsequent Mortgage Loans, the later of (a) the close of business on the last day of the month preceding the month of the related Subsequent Transfer Date and (b) the date of origination of such Subsequent Mortgage Loan.

Cut-Off Date Pool Principal Balance: The aggregate Cut-Off Date Principal Balance of the Initial Mortgage Loans (i.e., $129,522,029.69).

Cut-Off Date Principal Balance:  With respect to any Mortgage Loan, the unpaid principal balance thereof as of the related Cut-Off Date (or as of the applicable date of substitution with respect to an Eligible Substitute Mortgage Loan pursuant to Section 2.02 or 2.04).

 

 

Debt Service Reduction:  With respect to any Mortgage Loan, a reduction by a court of competent jurisdiction of the Monthly Payment due on such Mortgage Loan as a result of a bankruptcy proceeding.

Defective Mortgage Loan:  Any Mortgage Loan subject to repurchase or substitution pursuant to Section 2.02 or 2.04.

Definitive Certificates:  As defined in Section 6.02(c).

Depositor: Financial Asset Securities Corp., a Delaware corporation, or any successor in interest.

Depository:  The initial Depository shall be The Depository Trust Company, whose nominee is Cede & Co., or any other organization registered as a “clearing agency” pursuant to Section 17A of the Securities Exchange Act of 1934, as amended.  The Depository shall initially be the registered Holder of the Book-Entry Certificates. The Depository shall at all times be a “clearing corporation” as defined in Section 8-102(3) of the Uniform Commercial Code of the State of New York.

Depository Participant:  A broker, dealer, bank or other financial institution or other Person for whom from time to time a Depository effects book-entry transfers and pledges of securities deposited with the Depository.

Determination Date:  With respect to any Distribution Date, the third Business Day prior to such Distribution Date.

Distribution Account:  The account established by the Trustee pursuant to Section 5.07 hereof. The Distribution Account shall be an Eligible Account.

Distribution Date:  The fifteenth day of each month, or if such day is not a Business Day, then the next Business Day, beginning in the month immediately following the month of the initial issuance of the Certificates.

Due Date:  As to any Mortgage Loan, the day of the month on which the Monthly Payment is due from the Mortgagor.

Due Period:  With respect to each Distribution Date, the calendar month preceding the month in which such Distribution Date occurs.

Electronic Ledger:  The electronic master record of home equity mortgage loans maintained by the Servicer.

Eligible Account:  An account that is either (i) maintained with a depository institution whose (a) short-term debt obligations at the time of any deposit therein and throughout the time the interest is maintained are rated in the highest short-term debt rating category by Standard & Poor’s and Moody’s, and (b) short term and long term debt obligations at the time of any deposit therein are rated at least “P-1” and “A2,” respectively, by Moody’s and “A-1” and “A,” respectively, by Standard & Poor’s, (ii) an account or accounts maintained with a depository 

 

institution with a minimum long-term unsecured debt rating of “Baa3” by Moody’s or “BBB” by Standard & Poor’s, respectively, and provided, that the deposits in such account or accounts are fully insured by either the BIF or the SAIF, or (iii) a segregated trust account maintained (A) with the corporate trust department of the Trustee or an Affiliate of the Trustee in its fiduciary capacity, or (B) with an institution with capital and surplus of not less than $50,000,000 and with a minimum long term unsecured debt rating of “Baa3” by Moody’s or “BBB” by Standard & Poor’s, respectively, or (iv) an account otherwise acceptable to the Certificate Insurer, as evidenced by a letter from each Rating Agency and Certificate Insurer to the Trustee, without reduction or withdrawal of
the then current ratings of the Class A Certificates (without taking the Certificate Insurance Policy into account).

Eligible Investments:  One or more of the following (excluding any callable investments purchased at a premium):

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

(ii)          repurchase agreements on obligations specified in clause (i) maturing not more than three months from the date of acquisition thereof; provided, that the short-term unsecured debt obligations of the party agreeing to repurchase such obligations are at the time rated by each Rating Agency in its highest short-term rating category (which is “A-1+” for Standard & Poor’s and “P-1” for Moody’s);

(iii)         certificates of deposit, time deposits and bankers’ acceptances (which, if Moody’s is a Rating Agency, shall each have an original maturity of not more than 90 days and, in the case of bankers’ acceptances, shall in no event have an original maturity of more than 365 days) of any U.S. depository institution or trust company incorporated under the laws of the United States or any state thereof and subject to supervision and examination by federal and/or state banking authorities; provided, that the unsecured short-term debt obligations of such depository institution or trust company at the date of acquisition thereof have been rated by each of Moody’s and Standard & Poor’s in its highest unsecured
short-term debt rating category;

(iv)         commercial paper (having original maturities of not more than 270 days) of any corporation incorporated under the laws of the United States or any state thereof which on the date of acquisition of such commercial paper has been rated by Standard & Poor’s and Moody’s in their respective highest short-term rating categories;

(v)          short term investment funds (“STIFS”) sponsored by any trust company or national banking association incorporated under the laws of the United States or any state thereof which on the date of acquisition has been rated by Standard & Poor’s and Moody’s in their respective highest rating category of long term unsecured debt;

(vi)         interests in any money market fund which at the date of acquisition of the interests in such fund and throughout the time as the interest is held in such fund has a rating of “P-1” or “Aaa” by Moody’s and either “AAAm” or “AAAm-G” by Standard & 

 

Poor’s, or such lower rating as will not result in the qualification, downgrading or withdrawal of the then current rating assigned to the Class A Certificates (without taking the Certificate Insurance Policy into account) by each Rating Agency; and

(vii)       other obligations or securities that are acceptable to each Rating Agency and the Certificate Insurer as an Eligible Investment hereunder and will not result in a reduction in the then current rating of the Class A Certificates (without taking the Certificate Insurance Policy into account), as evidenced by a letter to such effect from such Rating Agency and the Certificate Insurer and with respect to which the Servicer has received confirmation that the investment complies with the last clause of this definition;

provided, that no instrument described hereunder shall evidence either the right to receive (a) only interest with respect to the obligations underlying such instrument; or (b) both principal and interest payments derived from obligations underlying such instrument and the interest and principal payments with respect to such instrument providing a yield to maturity at par greater than 120% of the yield to maturity at par of the underlying obligations; and provided, further, that no instrument described hereunder may be purchased at a price greater than par if such instrument may be prepaid or called at a price less than its purchase price prior to its stated maturity.

Eligible Substitute Mortgage Loan:  A Mortgage Loan substituted by the Seller for a Defective Mortgage Loan which must, on the date of such substitution, (i) have an outstanding Principal Balance (or in the case of a substitution of more than one Mortgage Loan for a Defective Mortgage Loan, an aggregate Principal Balance), not in excess of, and not more than 5% less than the Principal Balance of the Defective Mortgage Loan; (ii) have a Loan Rate not less than the Loan Rate of the Defective Mortgage Loan and not more than 1% in excess of the Loan Rate of such Defective Mortgage Loan; (iii) have a Mortgage of the same or higher level of lien priority as the Mortgage relating to the Defective Mortgage Loan at the time such Mortgage was transferred to the Trust; (iv) have a remaining term to maturity not more than six months earlier and not
later than the remaining term to maturity of the Defective Mortgage Loan; (v) comply with each representation and warranty set forth in Section 2.04 (deemed to be made as of the date of substitution); (vi) have an original Combined Loan-to-Value Ratio not greater than that of the Defective Mortgage Loan; and (vii) have a Mortgagor of similar credit quality as the Mortgagor under the Mortgage Note relating to such Defective Mortgage Loan. More than one Eligible Substitute Mortgage Loan may be substituted for a Defective Mortgage Loan if such Eligible Substitute Mortgage Loans meet the foregoing attributes in the aggregate and such substitution is approved in writing in advance by the Certificate Insurer.

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

Event of Default:  As defined in Section 8.01.

Excess Funding Amount:  The Pre-Funded Amount remaining on deposit in the Pre-Funding Account at the end of the Funding Period.

Excess Spread: With respect to any Distribution Date, the amount equal to the excess, if any, of the Available Funds (exclusive of Insured Amounts and amounts deposited into the 

 

Distribution Account from the Spread Account) over the sum of the amounts distributed pursuant to Section 5.01(a)(i)-(v).

Fannie Mae:  The Federal National Mortgage Association.

FDIC:  The Federal Deposit Insurance Corporation, or any successor thereto.

First Lien:  With respect to any Mortgage Loan which is a second priority lien, the mortgage loan relating to the corresponding Mortgaged Property having a first priority lien.

Foreclosure Profits:  With respect to a Liquidated Mortgage Loan, the amount, if any, by which (i) the aggregate of its Net Liquidation Proceeds exceeds (ii) the related Principal Balance (plus accrued and unpaid interest thereon at the applicable Loan Rate from the date interest was last paid through the date of receipt of the final Liquidation Proceeds) of such Liquidated Mortgage Loan immediately prior to the final recovery of its Liquidation Proceeds.

Formula Rate: (1) for the Class A-1 Certificates is the lesser of (a) the sum of One-Month LIBOR plus the related Certificate Margin (b) 14.00%; (2) for the Class A-2 Certificates is the lesser of (a) the sum of One-Month LIBOR plus the related Certificate Margin and (b) 14.00%; and (3) for the Class A-3 Certificates is the lesser of (a) the sum of One-Month LIBOR plus the related Certificate Margin and (b) 14.00%. 

Freddie Mac:  The Federal Home Loan Mortgage Corporation.

Funding Period:  The period from the Closing Date until the earlier of (i) the date on which the amount on deposit in the Pre-Funding Account is less than $100,000 and (ii) the close of business on February 24, 2006.

I & I Payments:  Payments due and owing under the Insurance Agreement other than pursuant to Section 3.02(a), the first sentence of Section 3.02(b), Section 3.02(c), Section 3.02(d)(i), 3.03(b) and Section 3.04 of such agreement.

Index:  With respect to each Interest Rate Adjustment Date for a Mortgage Loan, the average of the interbank offered rates for six-month U.S dollar denominated deposits in the London Market, as determined according to the terms of the related Mortgage Note.

Initial Mortgage Loans:  The Mortgage Loans identified on the Mortgage Loan Schedule, and conveyed, transferred, sold and assigned to, and deposited with, the Trustee pursuant to Section 2.01 hereof on the Closing Date, as set forth in Exhibit C hereto.

Insurance Agreement:  The Insurance and Indemnity Agreement dated as of the Closing Date among the Depositor, the Seller and the Certificate Insurer, including any amendments and supplements thereto.

Insurance Proceeds:  Proceeds paid by any insurer (other than the Certificate Insurer) pursuant to any insurance policy covering a Mortgage Loan or Mortgaged Property, or amounts required to be paid by the Servicer pursuant to Section 3.05, net of any component thereof (i) covering any expenses incurred by or on behalf of the Servicer in connection with obtaining such 

 

proceeds, (ii) that is applied to the restoration or repair of the related Mortgaged Property, (iii) released to the Mortgagor in accordance with the Servicer’s normal servicing procedures, or (iv) required to be paid to any holder of a mortgage senior to such Mortgage Loan.

Insured Amount:  The amount paid by the Certificate Insurer under the Certificate Insurance Policy.

Interest Coverage Account:  The account established and maintained pursuant to Section 4.05, which account contains an amount, to be paid by the Depositor to the Trustee on the Closing Date, that equals $10,000.

Interest Distribution Amount:  As to each Distribution Date and the Class A Certificates, an amount equal to the sum of (a) the Class Monthly Interest Amount, and (b) the Class Interest Carryover Shortfall, for such Distribution Date.  As to each Distribution Date and the Class C Certificates, the amount of interest that accrued during the related Accrual Period at the Class C Certificate Interest Rate on the Notional Amount immediately prior to such Distribution Date, reduced by any Net Prepayment Interest Shortfalls and Civil Relief Act Interest Shortfalls.

Interest Rate Adjustment Date:  With respect to each adjustable-rate Mortgage Loan, the date or dates on which the Loan Rate is adjusted in accordance with the related Mortgage Note.

Latest Possible Maturity Date:  April 2036.

LIBOR:  As to any Accrual Period as follows: the London Interbank offered rate for one-month United States dollar deposits in the London market as quoted on the Telerate Screen Page 3750 (as defined below) as of 11:00 A.M., London time, on the second LIBOR Business Day prior to the first day of such Accrual Period (or as of two LIBOR Business Days prior to the Closing Date in the case of the first Accrual Period). “Telerate Screen LIBOR Page 3750” means the display designated as page 3750 on the Bridge Telerate Service (or such other page as may replace page 3750 on that service for the purpose of displaying London Interbank offered rates of major banks). If such rate does not appear on such page (or such other page as may replace that page on that service, or if such service is no longer offered, such other service for displaying LIBOR or comparable
rates as may be selected by the Trustee after consultation with the Seller and the Certificate Insurer), the rate will be the Reference Bank Rate.

LIBOR Business Day:  Any day other than (i) a Saturday or a Sunday, or (ii) a day on which banking institutions in the State of New York, the State of California or in the city of London, England are required or authorized by law to be closed.

Liquidated Mortgage Loan:  As to any Distribution Date, any Mortgage Loan in respect of which the Servicer has determined, in accordance with the servicing procedures specified herein, as of the end of the preceding Due Period, that all Liquidation Proceeds which it expects to recover with respect to the liquidation of the Mortgage Loan or disposition of the related REO Property have been recovered.

Liquidation Loan Losses:  For each Liquidated Mortgage Loan, the amount, if any, by which the Principal Balance thereof, plus accrued and unpaid interest thereon, plus unreimbursed Servicing Advances is in excess of the Liquidation Proceeds realized thereon.

 

 

Liquidation Proceeds:  Proceeds (including Insurance Proceeds, but not including amounts drawn under the Certificate Insurance Policy) received in connection with the liquidation of any Mortgage Loan or related REO Property, whether through trustee’s sale, foreclosure sale or otherwise.

Loan Losses:  The aggregate of the Liquidation Loan Losses for all Liquidated Mortgage Loans.

Loan Rate:  With respect to any Mortgage Loan as of any day, the per annum rate of interest applicable under the related Mortgage Note.

Margin:  As to any adjustable-rate Mortgage Loan, the percentage set forth as the “Margin” for such Mortgage Loan on the Mortgage Loan Schedule.

Monthly Advance:  An advance made by the Servicer pursuant to Section 3.16 hereof.

Monthly Excess Spread Amount: On any Distribution Date, the amount equal to the product of (i) 100% and (ii) the amount of the Excess Spread for such Distribution Date; provided, however, that the percentage set forth in clause (i) above may be reduced, solely at the discretion of the Certificate Insurer, at which time written notice shall be sent to the Seller, the Trustee, Standard & Poor’s and Moody’s.

Monthly Payment:  The scheduled monthly payment of principal and/or interest required to be made by a Mortgagor on the related Mortgage Loan.

Monthly Principal Amount:  With respect to any Distribution Date, to the extent of funds available therefor, the sum of the following amounts (without duplication) (i) each payment of principal on a related Mortgage Loan received by the Servicer (exclusive of amounts described in clauses (ii) and (iii) below) during the related Due Period, including all related Principal Prepayments; (ii) the Principal Balance as of the end of the immediately preceding Due Period of a related Mortgage Loan that became a Liquidated Mortgage Loan during the related Due Period; (iii) all Insurance Proceeds and Net Liquidation Proceeds allocable to recoveries of principal of related Mortgage Loans that are not yet Liquidated Mortgage Loans received during the related Due Period and the amount received in connection with the termination of the Trust by the Servicer
received during the related Due Period; (iv) the principal portion of the Purchase Price of any related Defective Mortgage Loan repurchased during such Due Period; (v) any related Substitution Adjustments (other than the portion of Substitution Adjustments relating to Servicing Advances) required to be deposited in the Collection Account as of the related Determination Date; and (vi) on the Distribution Date immediately following the end of the Funding Period, any Excess Funding Amount. 

Moody’s:  Moody’s Investors Service, Inc. or its successor in interest.

Mortgage:  The mortgage, deed of trust or other instrument creating a first or second lien on an estate in fee simple interest in real property securing a Mortgage Loan.

 

 

Mortgage File:  The mortgage documents listed in Section 2.01 pertaining to a particular Mortgage Loan and any additional documents required to be added to the Mortgage File pursuant to this Agreement.

Mortgage Loan Schedule:  With respect to any date, the schedule of Mortgage Loans constituting assets of the Trust, which, on the Closing Date, consists of the Initial Mortgage Loans and which shall be amended from time to time by the Seller to reflect the transfer of Subsequent Mortgage Loans to the Trust after the Closing Date.  The Mortgage Loan Schedule shall, in all cases, include, at a minimum, as to each Mortgage Loan (i) the Cut-Off Date Principal Balance, (ii) the account number, (iii) the original principal amount, (iv) the CLTV as of the date of the origination of the related Mortgage Loan, (v) the Due Date, (vi) the Loan Rate as of the Cut-Off Date, (vii) the first date on which a Monthly Payment is due under the Mortgage Note, (viii) the original stated maturity date of the Mortgage Note, (ix) the
remaining number of months to maturity as of the Cut-Off Date, (x) the Mortgaged Property State, (xi) the type of property and (xii) the lien status.

Mortgage Loans:  The fixed-rate and adjustable-rate mortgage loans that are transferred and assigned to the Trustee pursuant to Section 2.01, 2.06 or 2.14, together with the Related Documents, exclusive of Mortgage Loans that are transferred to the Servicer or the Seller, as the case may be, from time to time pursuant to Section 2.02 or 2.04, as from time to time are held as a part of the Trust, such mortgage loans originally so held being identified in the Mortgage Loan Schedule delivered on the Closing Date and as supplemented on each Subsequent Transfer Date.

Mortgage Note:  With respect to a Mortgage Loan, the note pursuant to which the related Mortgagor agrees to pay the indebtedness evidenced thereby which is secured by the related Mortgage.

Mortgaged Property:  The underlying property, including real property and improvements thereon, securing a Mortgage Loan.

Mortgaged Property State:  As to any Mortgage Loan, the state in which the related Mortgaged Property is located.

Mortgagor:  The obligor or obligors under a Mortgage Note.

Net Liquidation Proceeds:  With respect to any Liquidated Mortgage Loan, Liquidation Proceeds net of unreimbursed Servicing Fees, Servicing Advances and Monthly Advances with respect thereto, up to the unpaid Principal Balance of the Mortgage Loan plus accrued and unpaid interest thereon.

Net Loan Rate:  With respect to any Mortgage Loan as to any day, the Loan Rate less the Servicing Fee Rate, the Trustee Fee Rate and the Premium Percentage.

Nonrecoverable Advances:  With respect to any Mortgage Loan, (i) any Servicing Advance or Monthly Advance previously made and not reimbursed pursuant to Section 3.03(ii), or (ii) a Servicing Advance or Monthly Advance proposed to be made in respect of a Mortgage Loan or REO Property which, in each case, in the good faith business judgment of the Servicer, as evidenced by an Officer’s Certificate delivered to the Certificate Insurer, the Seller and the 

 

Trustee no later than the Business Day following such determination, would not be ultimately recoverable pursuant to Sections 3.03(ii), 4.01(b)(ii), 4.01(c), and 5.01(a).

Notional Amount: Immediately prior to any Distribution Date with respect to the Class C Certificate, the aggregate of the Uncertificated Principal Balances of REMIC 2 Regular Interests.

Ocean Bank:  Ocean Bank, F.S.B., or any successor thereto.

Officer’s Certificate:  A certificate signed by the President, an Executive Vice President, a Senior Vice President, a First Vice President, a Vice President, Assistant Vice President, the Treasurer, Assistant Treasurer, Assistant Secretary, Controller or Assistant Controller of the Servicer and delivered to the Trustee.

Opinion of Counsel:  A written opinion of counsel reasonably acceptable to, but not at the expense of, the Trustee, who may be in-house counsel for the Servicer or the Depositor (except that any opinion relating to the qualification of the Trust as multiple REMICs or compliance with the REMIC Provisions must be an opinion of independent outside counsel) and who, in the case of opinions delivered to the Certificate Insurer and each of the Rating Agencies, is reasonably acceptable to it.

Optional Termination Date:  As defined in Section 10.01(a).

Original Class A-1 Certificate Balance:  $92,500,000.

Original Class A-2 Certificate Balance:  $35,250,000.

Original Class A-3 Certificate Balance:  $42,250,000.

Original Class C Certificate Balance:  $0.00.

Original Pre-Funded Amount:  $40,477,970.31.

Ownership Interest:  As to any Certificate, an interest or security interest in such Certificate, including any interest in such Certificate as the Holder thereof and any other interest therein, whether direct or indirect, legal or beneficial, as owner or as pledgee.

Paying Agent:  Any paying agent appointed pursuant to Section 6.05.

Percentage Interest: With respect to any Certificate (other than a Class R Certificate), a fraction, expressed as a percentage, the numerator of which is the Original Certificate Principal Balance represented by such Certificate and the denominator of which is the Original Class Certificate Principal Balance of the related Class.  With respect to a Class R Certificate, the portion of the Class evidenced thereby as stated on the face thereof, which shall be either 99.999999% or, but only with respect to the Tax Matters Person Residual Interest held by the Tax Matters Person, 0.000001%.

Permitted Transferee:  Any Person other than (i) the United States, any State or any political subdivision thereof or any agency or instrumentality of any of the foregoing, (ii) a 

 

foreign government, international organization or any agency or instrumentality of either of the foregoing, (iii) an organization which is exempt from tax imposed by Chapter 1 of the code (including the tax imposed by section 511 of the Code on unrelated business taxable income) (except certain farmers’ cooperatives described in Code section 521) on any excess inclusions (as defined in Section 860E(c)(1)) with respect to any Class R Certificate, (iv) rural electric and telephone cooperatives described in Code section 1381 (a) (2) (C), (v) a Person that is not a citizen or resident of the United States, a corporation, partnership or other entity created or organized in or under the laws of the United States or any political subdivision thereof any estate, the income of which is subject to United States Federal income taxes regardless of source, or any trust described in Section
7701(a)(30) of the Code, after taking into consideration any amendments thereto and related effective dates and elections, and (vi) any other Person so designated by the Trustee based on an Opinion of Counsel to the effect that any transfer to such Person may cause any REMIC created hereunder to fail to qualify as a REMIC at any time the Certificates are outstanding. The terms “United States,” “State” and “international organization” shall have the meanings set forth in Code section 7701 or successor provisions. A corporation will not be treated as an instrumentality of the United States or of any State or political subdivision thereof if all of its activities are subject to tax and, with the exception of the Freddie Mac, a majority of its board of directors is not selected by such governmental unit.

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

Pool Factor: With respect to any Distribution Date and the Class A Certificates, the percentage, carried to nine places, obtained by dividing the Class A Certificate Principal Balance by the Original Class A Certificate Balance.

Pre-Funded Amount:  As of the Closing Date, the Original Pre-Funded Amount.  As of any date thereafter, the amount on deposit in the Pre-Funding Account, excluding any Pre-Funding Earnings included therein.

Pre-Funding Account:  The Pre-Funding Account established pursuant to Section 4.04.

Pre-Funding Distribution Date:  Each Distribution Date during the Funding Period and the Distribution Date immediately following the end of the Funding Period.

Pre-Funding Earnings:  As of any date of determination, the amount of investment earnings or income, net of any losses from such investments, on deposit in the Pre-Funding Account.

Premium Amount:  As to any Distribution Date, the product of one-twelfth of the Premium Percentage and the Class A Certificate Principal Balance on the immediately preceding Distribution Date, or, in the case of the first Distribution Date, the Closing Date in each case after giving effect to distributions of principal made on such Distribution Date.

Premium Percentage:  As defined in the Premium Side Letter.

 

 

Premium Side Letter:  The letter dated the Closing Date from the Certificate Insurer to the Seller and the Servicer setting forth the payment arrangements for the premium on the Certificate Insurance Policy and certain related expense payment arrangements.

Prepayment Assumption:  A constant prepayment rate equal to 30% per annum of the outstanding principal balance of the related adjustable-rate Mortgage Loans and 23% per annum of the outstanding principal balance of the related fixed-rate Mortgage Loans.

Prepayment Interest Shortfall:  With respect to any Distribution Date, for each Mortgage Loan that was the subject during the related Due Period of a Principal Prepayment in part or in full, an amount equal to the excess, if any, of (i) 30 days’ interest on the related Principal Balance of such Mortgage Loan at the Net Loan Rate (or at such lower rate as may be in effect for such Mortgage Loan pursuant to application of the Civil Relief Act and/or any Debt Service Reduction), over (ii) the amount of interest actually remitted by the Mortgagor in connection with such Principal Prepayment less the Servicing Fee for such Mortgage Loan in such month.

Principal Balance:  As to any Mortgage Loan and any day, other than a Liquidated Mortgage Loan, the related Cut-Off Date Principal Balance, minus all collections credited against the Cut-Off Date Principal Balance of any such Mortgage Loan. For purposes of this definition, a Liquidated Mortgage Loan shall be deemed to have a Principal Balance equal to zero after the Due Period in which such Mortgage Loan becomes a Liquidated Mortgage Loan.

Principal Shortfall Amount:  The excess, if any, of the aggregate Certificate Principal Balance of the Class A Certificates over the aggregate principal balance of the Mortgage Loans.

Principal Prepayment:  Any payment or other recovery of principal on a Mortgage Loan received in advance of the scheduled Due Date therefor and which is intended to satisfy such Mortgage Loan in part or in full.

Prospectus:  The base prospectus dated September 26, 2005.

Prospectus Supplement:  The prospectus supplement dated November 22, 2005, relating to the offering of the Class A Certificates.

Purchase Agreement:  The Mortgage Loan Purchase Agreement, dated as of November 22, 2005, between the Seller, as seller, and the Depositor, as purchaser, with respect to the Mortgage Loans.

Purchase Price:  As to any Defective Mortgage Loan repurchased on any date pursuant to Section 2.02 or 2.04, an amount equal to the sum of (i) the unpaid Principal Balance thereof, (ii) the greater of (a) all unpaid accrued interest thereon, and (b) 30 days’ interest thereon, computed at the applicable Loan Rate, (iii) any unreimbursed Servicing Advances with respect to such Mortgage Loan and (iv) the amount of any penalties, fines, forfeitures, legal fees and related costs, judgments and any other costs, fees and expenses incurred by or imposed on the Trustee, the Servicer or the Trust or with respect to which any of them are liable arising from a breach by the Seller of its representations and warranties in Section 2.04; provided, however, that if at the time of repurchase the Seller is the Servicer, the amount described in clause (ii) shall be computed at the Loan Rate less the Servicing Fee.

 

 

Rating Agency:  Any statistical credit rating agency, or its successor, that rated the Class A Certificates at the request of the Depositor at the time of the initial issuance of the Certificates. If such agency or a successor is no longer in existence, “Rating Agency” shall be such statistical credit rating agency, or other comparable Person, designated by the Depositor with the consent of the Certificate Insurer, notice of which designation shall be given to the Trustee. References herein to the highest short term unsecured rating category of a Rating Agency shall mean “A-1+” or better in the case of Standard & Poor’s and “P-1” or better in the case of Moody’s, and, in the case of any other Rating Agency, shall mean such equivalent ratings. References herein to the highest long-term rating category of a Rating
Agency shall mean “AAA” in the case of Standard & Poor’s and “Aaa” in the case of Moody’s, and in the case of any other Rating Agency, such equivalent rating.

Record Date:  As to each Distribution Date, the Business Day immediately preceding such Distribution Date; provided, however, if any Class A Certificate is or becomes a Definitive Certificate, the Record Date for such Class A Certificate shall be the last Business Day of the calendar month immediately preceding the calendar month in which the related Distribution Date occurs.

Reference Bank Rate:  As to any Accrual Period as follows: the arithmetic mean (rounded upwards, if necessary, to the nearest one sixteenth of one percent) of the offered rates for United States dollar deposits for one month which are offered by the Reference Banks as of 11:00 A.M., London time, on the second LIBOR Business Day prior to the first day of such Accrual Period to prime banks in the London interbank market for a period of one month in amounts approximately equal to the outstanding Class A Certificate Principal Balance; provided, that at least two such Reference Banks provide such rate. If fewer than two offered rates are provided, LIBOR will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the Depositor after consultation with the Trustee and the
Certificate Insurer, as of 11:00 A.M., New York City time, on such date for loans in U.S. Dollars to leading European Banks for a period of one month in amounts approximately equal to the outstanding Class A Certificate Principal Balance.  If no such quotations can be obtained, LIBOR will be LIBOR applicable to the preceding Distribution Date.

Reference Banks:  Three major banks that are engaged in the London interbank market, selected by the Depositor after consultation with the Trustee.

Regular Certificates:  The Class A Certificates and the Class C Certificates.

Reimbursable Amounts:  As of any date of determination, an amount payable to the Servicer or the Seller with respect to (i) Monthly Advances and Servicing Advances not previously reimbursed, (ii) any advances reimbursable and not previously reimbursed pursuant to Section 3.03(vi), Section 5.01(a)(iv), Section 4.01(b)(ii) or Section 4.01(c), and (iii) any other amounts reimbursable to the Servicer or the Seller prior to a distribution to the Class C Certificateholders pursuant to this Agreement.

Related Documents:  As defined in Section 2.01.

 

 

Released Mortgaged Property Proceeds:  As to any Mortgage Loan, proceeds received by the Servicer in connection with (a) a taking of an entire Mortgaged Property by exercise of the power of eminent domain or condemnation, or (b) any release of part of the Mortgaged Property from the lien of the related Mortgage, whether by partial condemnation, sale or otherwise, which are not released to the Mortgagor in accordance with applicable law or second mortgage servicing standards the Servicer would use in servicing second mortgage loans for its own account and this Agreement.

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

REMIC Certificate Maturity Date:  The “latest possible maturity date” of the Regular Certificates as that term is defined in Section 2.10.

REMIC Change of Law:  Any proposed, temporary or final regulation, revenue ruling, revenue procedure or other official announcement or interpretation relating to REMIC and the REMIC Provisions issued after the Closing Date.

REMIC Provisions:  Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at Section 860A through 860G of Subchapter M of Chapter 1 of the Code, and related provisions, and regulations promulgated thereunder, as the foregoing may be in effect from time to time.

REMIC 1: The segregated pool of assets subject hereto, constituting the primary trust created hereby and to be administered hereunder, with respect to which a REMIC election is to be made consisting of: (i) such Mortgage Loans as from time to time are subject to this Agreement, together with the Mortgage Files relating thereto, and together with all collections thereon and proceeds thereof, (ii) any REO Property, together with all collections thereon and proceeds thereof, (iii) the Trustee’s rights with respect to the Mortgage Loans under all insurance policies required to be maintained pursuant to this Agreement and any proceeds thereof, (iv) the Depositor’s rights under the Purchase Agreement (including any security interest created thereby) and (v) the Collection Account, the Distribution Account (subject to the last sentence of this definition)
and any REO Account and such assets that are deposited therein from time to time and any investments thereof, together with any and all income, proceeds and payments with respect thereto. Notwithstanding the foregoing, however, a REMIC election will not be made with respect to the Basis Risk Reserve Fund, the Spread Account, the Pre-Funding Account, any Subsequent Mortgage Loan Interest, the Corridor Contract and the Interest Coverage Account.

REMIC 1 Regular Interests:  One of the separate non-certificated beneficial ownership interests in REMIC 1 issued hereunder and designated as a Regular Interest in REMIC 1.  Each REMIC 1 Regular Interest shall accrue interest at the related Uncertificated REMIC 1 Pass-Through Rate in effect from time to time, and shall be entitled to distributions of principal, subject to the terms and conditions hereof, in an aggregate amount equal to its initial Uncertificated Principal Balance as set forth in the Preliminary Statement hereto.  The following is a list of each of the REMIC 1 Regular Interests:  REMIC 1 Regular Interest LT1 and REMIC 1 Regular Interest LT1PF.

 

 

REMIC 2: The segregated pool of assets consisting of all of the REMIC 1 Regular Interests and conveyed in trust to the Trustee, for the benefit of REMIC 3, as holder of the REMIC 2 Regular Interests, and the Class R Certificateholders, as Holders of the Class R-2 Interest and all amounts deposited therein, with respect to which a separate REMIC election is to be made.

REMIC 2 Regular Interests: One of the separate non-certificated beneficial ownership interests in REMIC 2 issued hereunder and designated as a Regular Interest in REMIC 2. Each REMIC 2 Regular Interest shall accrue interest at the related Uncertificated REMIC 2 Pass-Through Rate in effect from time to time, and shall be entitled to distributions of principal, subject to the terms and conditions hereof, in an aggregate amount equal to its initial Uncertificated Principal Balance as set forth in the Preliminary Statement hereto.  The following is a list of each of the REMIC 2 Regular Interests:  REMIC 2 Regular Interest LTA1, REMIC 2 Regular Interest LTA2 and REMIC 2 Regular Interest LTA3. 

REMIC 3: The segregated pool of assets consisting of all of the REMIC 2 Regular Interests conveyed in trust to the Trustee, for the benefit of the Holders of the Regular Certificates and the Class R Certificates (in respect of the Class R-3 Interest) and all amounts deposited therein, with respect to which a separate REMIC election is to be made.

REMIC Regular Interests: The REMIC 1 Regular Interests and the REMIC 2 Regular Interests.

Remittance Amount:  As to any Distribution Date, the sum of the Interest Distribution Amount for the Class A Certificates and the Class A Principal Distribution Amount for the Class A Certificates for such Distribution Date.

REO Property:  A Mortgaged Property that is acquired by the Servicer on behalf of the Trustee in foreclosure or by deed in lieu of foreclosure.

Required Basis Risk Reserve Fund Deposit:  For any Distribution Date, if the amount by which the Class A Available Funds Cap exceeds the Class A Certificate Interest Rate is 50 basis points or less, the excess of (x) the greater of (1) $5,000 and (2) the Class A Available Funds Cap Carryover Amount, over (y) the amount on deposit in the Basis Risk Reserve Fund prior to deposits thereto on such Distribution Date.

Residential Dwelling:  A one- to four-family residential dwelling, a unit in a planned unit development, a unit in a condominium development or a townhouse.

Responsible Officer:  When used with respect to the Trustee, any vice president, associate or other officer of the Trustee with direct responsibility for the administration of this Agreement and also, with respect to a particular matter, any other officer to whom such matter is referred because of such officer’s knowledge of and familiarity with the particular subject. When used with respect to the Seller or Servicer, the President or any Vice President, Assistant Vice President or any Secretary or Assistant Secretary.

SAIF:  The Savings Association Insurance Fund, as from time to time constituted, created under the Financial Institutions Reform, Recovery and Enhancement Act of 1989, or if at any 

 

time after the execution of this instrument the Savings Association Insurance Fund is not existing and performing duties now assigned to it, the body performing such duties on such date.

Sarbanes-Oxley Act:  The Sarbanes-Oxley Act of 2002.

Seller:  Ocean Bank, F.S.B., a federal savings bank, or any successor thereto, as seller under the Purchase Agreement.

Servicer:  Ocean Bank, F.S.B., a federal savings bank, or any successor thereto or any successor hereunder.

Servicer Termination Delinquency Event:  A Servicer Termination Delinquency Event will have occurred with respect to any Due Period if the average outstanding Principal Balance of Mortgage Loans in the Trust that are 60 days or more delinquent, in foreclosure or that are REO Property over the prior 6 months, each computed as of the first day of the related Due Period, is greater than or equal to 12.5% of the Aggregate Principal Balance of the Mortgage Loans as of the first day of the most recent Due Period.

Servicer Termination Loss Event:  A Servicer Termination Loss Event will have occurred with respect to any Due Period if as of the first day of such Due Period, the cumulative Loan Losses since the Cut-Off Date are greater than or equal to (A) if the first day of the Due Period is prior to December 15, 2006, 1.000% of the sum of (i) the Cut-Off Date Pool Principal Balance and (ii) the Original Pre-Funded Amount, (B) if the first day of the Due Period is on or after December 15, 2006 and prior to December 15, 2007, 1.600% of the sum of (i) the Cut-Off Date Pool Principal Balance and (ii) the Original Pre-Funded Amount, (C) if the first day of such Due Period is on or after December 15, 2007 and prior to December 15, 2008, 2.200% of the sum of (i) the Cut-Off Date Pool Principal Balance and (ii) the Original Pre-Funded Amount, (D) if the first day of such Due
Period is on or after December 15, 2008 and prior to December 15, 2009, 3.000% of the sum of (i) the Cut-Off Date Pool Principal Balance and (ii) the Original Pre-Funded Amount, or (E) if the first day of such Due Period is on or after December 15, 2009, 4.300% of the sum of (i) the Cut-Off Date Pool Principal Balance and (ii) the Original Pre-Funded Amount.

Servicing Advances:  All reasonable and customary unanticipated “out of pocket” costs and expenses incurred in the performance by the Servicer of its servicing obligations, including, but not limited to, the cost of (i) the preservation, restoration and protection of the Mortgaged Properties, (ii) any enforcement or judicial proceedings, including foreclosures, (iii) the management and liquidation of the Mortgaged Properties, including reasonable fees paid to any independent contractor in connection therewith, (iv) compliance with the obligations under Section 3.04, 3.07 or 3.20, and (v) in connection with the liquidation of a Mortgage Loan, expenditures relating to the purchase or maintenance of the First Lien pursuant to Section 3.18, all of which reasonable and customary unanticipated out-of-pocket costs and expenses are reimbursable to the
Servicer to the extent provided in Section 3.03(ii), 3.03 (viii), 3.07, 4.01(b)(ii), 4.01(c) and 5.01(a)(v). The expenses the Servicer is required to bear pursuant to Section 3.09 are not Servicing Advances.

 

 

Servicing Certificate:  A certificate completed and executed by a Servicing Officer on behalf of the Servicer.

Servicing Compensation:  The Servicing Fee and other amounts to which the Servicer is entitled pursuant to Section 3.09.

Servicing Fee:  As to each Mortgage Loan, the annual fee payable to the Servicer, which is calculated at the Servicing Fee Rate as specified in Section 1.02 on the Principal Balance thereof.

Servicing Fee Rate:  0.50%.

Servicing Officer:  Any officer of the Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name and specimen signature appear on a list of servicing officers furnished to the Trustee (with a copy to the Certificate Insurer) by the Servicer, as such list may be amended from time to time.

Spread Account:  The account maintained pursuant to Section 4.01 which account shall not be an asset of any portion of the Trust for which a REMIC election is made.  The Spread Account will be accounted for by the Trustee as an “outside reserve fund” within the meaning of Treasury Regulation section 1.8606-2(h) established and maintained pursuant to Section 4.01.  The Spread Account shall not be treated as an asset of any REMIC created hereunder.  Owners of the Spread Account for federal tax purposes shall be the Class C Certificateholders.

Spread Account Excess:  As defined in Section 4.01 hereof.

Standard & Poor’s:  Standard & Poor’s Ratings Services, a division of The McGraw-Hill Companies, Inc., or its successor in interest.

Startup Day:  The day designated as such pursuant to Section 2.09 hereof.

Subsequent Mortgage Loan Interest:  Any amount constituting a monthly payment of interest received or advanced at the Adjusted Net Mortgage Rate with respect to a Subsequent Mortgage Loan during the Due Period relating to the first three Distribution Dates in excess of 0.00% per annum.  The Subsequent Mortgage Loan Interest shall be distributable to the Class C Certificates.  The Subsequent Mortgage Loan Interest shall not be an asset of any REMIC.

Subsequent Mortgage Loans:  The Mortgage Loans transferred to the Trust pursuant to Section 2.14 of this Agreement and the related Subsequent Transfer Agreement, which Mortgage Loans will be listed on Schedule A to the related Subsequent Transfer Agreement.

Subsequent Transfer Agreement:  A Subsequent Transfer Agreement entered into between the Seller and the Trustee, substantially in the form attached as Exhibit P.

Subsequent Transfer Date:  Each date during the Funding Period on which Subsequent Mortgage Loans are sold to the Trust.

 

 

Subservicer:  Any Person with whom the Servicer has entered into a Subservicing Agreement and who satisfies the requirements set forth in Section 3.01(b) hereof in respect of the qualification of a Subservicer.

Subservicing Agreement:  Any agreement between the Servicer and any Subservicer relating to subservicing and/or administration of certain Mortgage Loans as provided in Section 3.01(b), a copy of which shall be delivered, along with any modifications thereto, to the Trustee and the Certificate Insurer.

Substitution Adjustment:  As to any date on which a substitution occurs pursuant to Section 2.06, the excess of (1) the aggregate Principal Balances of all Defective Mortgage Loans to be replaced by Eligible Substitute Mortgage Loans (after application of principal payments received on or before the date of substitution of any Eligible Substitute Mortgage Loans as of the date of substitution), together with the greater of (a) all accrued and unpaid interest thereon and (b) 30 days’ interest calculated on a 360-day year thereon at the Loan Rate (or Net Loan Rate if the Seller is the Servicer), plus the amount of any unreimbursed Servicing Advances made by the Servicer with respect to such Defective Mortgage Loan, over (2) the aggregate Principal Balances of such Eligible Substitute Mortgage Loans.

Tax Matters Person Residual Interest:  A 0.000001% in the Class R Certificates, which shall be issued to and held by the Trustee.

Trust:  All of the assets of the Trust, which is the trust created hereunder consisting of REMIC 1, REMIC 2 and REMIC 3, the Basis Risk Reserve Fund, the Spread Account, the Pre-Funding Account, the Corridor Contract, any Subsequent Mortgage Loan Interest and the Interest Coverage Account.

Trustee:  Deutsche Bank National Trust Company, or any successor Trustee appointed in accordance with this Agreement that has accepted such appointment in accordance with this Agreement.

Trustee Fee:  The annual fee payable to the Trustee, which is calculated at the Trustee Fee Rate on the sum of the aggregate Principal Balance of the Mortgage Loans (as specified in Section 1.02) and the Pre-Funded Amount.

Trustee Fee Rate:  0.012%.

UCC:  The Uniform Commercial Code, as amended from time to time, as in effect in any specified jurisdiction.

Uncertificated Accrued Interest: With respect to each REMIC Regular Interest on each Distribution Date, an amount equal to one month’s interest at the related Uncertificated REMIC Pass-Through Rate on the Uncertificated Principal Balance of such REMIC Regular Interest. In each case, Uncertificated Accrued Interest will be reduced by any Net Prepayment Interest Shortfalls and Civil Relief Act Interest Shortfalls (allocated to such REMIC Regular Interests based on their respective entitlements to interest irrespective of any Net Prepayment Interest Shortfalls and Civil Relief Act Interest Shortfalls for such Distribution Date).

 

 

Uncertificated Principal Balance: With respect to each REMIC Regular Interest, the amount of such REMIC Regular Interest outstanding as of any date of determination. As of the Closing Date, the Uncertificated Principal Balance of each REMIC Regular Interest shall equal the amount set forth in the Preliminary Statement hereto as its initial Uncertificated Principal Balance. On each Distribution Date, the Uncertificated Principal Balance of each REMIC Regular Interest shall be reduced by all distributions of principal made on such REMIC Regular Interest on such Distribution Date pursuant to Section 5.10. The Uncertificated Principal Balance of each REMIC Regular Interest that has an Uncertificated Principal Balance shall never be less than zero.

Uncertificated REMIC Pass-Through Rate: The Uncertificated REMIC 1 Pass-Through Rate or Uncertificated REMIC 2 Pass-Through Rate, as applicable.

Uncertificated REMIC 1 Pass-Through Rate:  With respect to the REMIC 1 Regular Interest LT1, and (i) the first three Distribution Dates, the weighted average of the Adjusted Net Mortgage Rates of the Initial Mortgage Loans and (ii) thereafter, the weighted average of the Adjusted Net Mortgage Rates of the Mortgage Loans.  With respect to REMIC 1 Regular Interest LT1PF and, (i) the first three Distribution Dates, 0.09882% and (ii) thereafter, the weighted average of the Adjusted Net Mortgage Rates of the Mortgage Loans. 

Uncertificated REMIC 2 Pass-Through Rate: For any Distribution Date and each REMIC 2 Regular Interest, the weighted average of the Uncertificated REMIC 1 Pass-Through Rate on the REMIC 1 Regular Interests, weighted on the basis of the Uncertificated Principal Balance of each such REMIC 1 Regular Interest.

Valuation:  With respect to any Mortgaged Property at the time referred to herein, the Appraised Value of the Mortgaged Property based upon the most recent appraisal made by or on behalf of the Servicer or the originator of the related Mortgage Loan.

Voting Rights:  The portion of the voting rights of all Certificates which is allocated to any Certificate.  At all times the Class A Certificates shall have 100% of the Voting Rights.

	
             
  	
            Section 1.02
 	
            Interest Calculations.
 

All calculations of interest hereunder that are made in respect of the Principal Balance of a Mortgage Loan shall be made on the basis of a 360-day year divided into twelve 30-day months.  Interest on the Class A Certificates will accrue from the preceding Distribution Date (or in the case of the first Distribution Date, from the Closing Date) through the day preceding such Distribution Date on the basis of a 360-day year and the actual number of days elapsed.  The calculation of the Servicing Fee and the Trustee Fee shall be made in the same manner as described in the first sentence of this Section for the Mortgage Loans.  All dollar amounts calculated hereunder shall be rounded to the nearest penny with one-half of one penny being rounded down.  For purposes of applying the Class A Available Funds Cap, the rate determined under such cap shall be adjusted to account for the day count
convention applicable to the Class A Certificates.

 

 

	
             
  	
            Section 1.03
 	
            Allocation of Certain Interest Shortfalls.
 

For purposes of calculating the amount of the Class Monthly Interest Amount for the Class A Certificates and the Class C Certificates for any Distribution Date, (1) the aggregate amount of any Net Prepayment Interest Shortfalls and any Civil Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans for any Distribution Date shall be allocated first, among the Class C Certificates on a pro rata basis based on, and to the extent of, one month’s interest at the then applicable Class C Certificate Interest Rate on the Notional Amount of each such Certificate and, thereafter, among the Class A Certificates on a pro rata basis based on, and to the extent of, one month’s interest at the then applicable respective Class A Certificate Interest Rate on the respective Class A
Certificate Principal Balance of each such Certificate and (2) the Class A Available Funds Cap Carryover Amounts shall be allocated among the Class C Certificates on a pro rata basis based on, and to the extent of, one month’s interest at the then applicable Class C Certificate Interest Rate on the Notional Amount of each such Certificate.

For purposes of calculating the amount of Uncertificated Accrued Interest for the REMIC 1 Regular Interests for any Distribution Date, the aggregate amount of any Net Prepayment Interest Shortfalls and any Civil Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans for any Distribution Date shall be allocated to REMIC 1 Regular Interest LT1 and REMIC 1 Regular Interest LT1PF, in each case to the extent of one month’s interest at the then applicable respective Uncertificated REMIC 1 Pass-Through Rate on the respective Uncertificated Principal Balance of each such Uncertificated REMIC 1 Interest; provided, however, with respect to the first three Distribution Dates, such amounts relating to the Initial Mortgage Loans shall be allocated to REMIC 1 Regular Interest LT1 and such amounts relating to the Subsequent Mortgage Loans shall be allocated to REMIC 1 Regular Interest
LT1PF.

For purposes of calculating the amount of Uncertificated Accrued Interest for the REMIC 2 Regular Interests for any Distribution Date, the aggregate amount of any Net Prepayment Interest Shortfalls and any Civil Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans for any Distribution Date shall be allocated among REMIC 2 Regular Interest LTA1, REMIC 2 Regular Interest LTA2 and REMIC 2 Regular Interest LTA3 pro rata based on, and to the extent of, one month’s interest at the then applicable respective Uncertificated REMIC 2 Pass-Through Rate on the respective Uncertificated Principal Balance of each such REMIC 2 Regular Interest.

 

 

 

ARTICLE II

 

Conveyance of Initial Mortgage Loans;

Original Issuance of Certificates;

Tax Treatment

	
             
  	
            Section 2.01
 	
            Conveyance of Initial Mortgage Loans.
 

(a)          The Depositor, concurrently with the execution and delivery of this Agreement, does hereby transfer, assign, set over and otherwise convey to the Trust without recourse (subject to Sections 2.02 and 2.04)(i) all of its right, title and interest in and to each Initial Mortgage Loan, including the related Cut-Off Date Principal Balance, all interest accruing thereon after the related Due Date in April and all collections in respect of principal received after the related Cut-Off Date (other than payments in respect of accrued interest on the Initial Mortgage Loans through the related Due Date in April); (ii) property which secured such Initial Mortgage Loan and which has been acquired by foreclosure or deed in lieu of foreclosure; (iii) its interest in any insurance policies in respect of the Initial Mortgage Loans; (iv)
such amounts as may be deposited into and held by the Trustee in the Pre-Funding Account and the Interest Coverage Account; (v) all proceeds of any of the foregoing; (vi) the Depositor’s rights under the Purchase Agreement (other than any rights of the Depositor to indemnification under Section 6.1(a), (c), (d) and (e)(ii) of the Purchase Agreement), together with all rights of the Depositor to require the Seller to cure any breach thereof or to repurchase or substitute for any affected Mortgage Loan in accordance with the Purchase Agreement; and (vii) certain payments under the Corridor Contract. In addition, on or prior to the Closing Date, the Depositor shall cause the Certificate Insurer to deliver the Certificate Insurance Policy to the Trustee.

In connection with such transfer, assignment and conveyance by the Depositor, the Depositor shall deliver to, and deposit with the Trustee, with respect to each Initial Mortgage Loans on or before the Closing Date (and with respect to each Subsequent Mortgage Loan, the Seller shall deliver to, and deposit with the Trustee, on or before each Subsequent Transfer Date), the following documents or instruments with respect to each such Mortgage Loan (the “Related Documents”):

(i)           The original Mortgage Note, with all prior and intervening endorsements showing a complete chain of endorsements from the originator of the Mortgage Loan to the Person so endorsing the Mortgage Loan to the Trustee, endorsed by such Person “Pay to the order of Deutsche Bank National Trust Company, as Trustee for Home Loan Mortgage Loan Trust 2005-1 without recourse” and signed, by facsimile or manual signature, in the name of the Seller by a Responsible Officer;

(ii)          Any of: (1) the original Mortgage, and related power of attorney, if any, with evidence of recording thereon, (2) a copy of the Mortgage and related power of attorney, if any, certified as a true copy of the original Mortgage or power of attorney by a Responsible Officer of the Seller or by the closing attorney by facsimile or manual signature, or by an officer of the title insurer or agent of the title insurer that issued the related title insurance policy if the original has been transmitted for recording until such time as the original is returned by the public recording office, or (3) a copy of the original 

 

recorded Mortgage and related power of attorney, if any, certified by the public recording office;

(iii)        The original Assignment of Mortgage in recordable form, from the Seller to “Deutsche Bank National Trust Company, as Trustee for Ocean Mortgage Loan Trust 2005-1”

(iv)         The original lender’s policy of title insurance or a true copy thereof, or if such original lender’s title insurance policy has been lost, a copy thereof certified by the appropriate title insurer to be true and complete, or if such lender’s title insurance policy has not been issued as of the Closing Date, a marked up commitment (binder) to issue such policy;

(v)          All intervening assignments, if any, showing a complete chain of assignments from the originator to the Seller, including any recorded warehousing assignments, with evidence of recording thereon, certified by a Responsible Officer of the Seller by facsimile or manual signature as a true copy of the original of such intervening assignments; and

(vi)         Originals of all assumption, written assurance, substitution and modification agreements, if any.

In instances where the original recorded Mortgage cannot be delivered by the Depositor to the Trustee prior to or concurrently with the execution and delivery of this Agreement, due to a delay in connection with recording, the Depositor, may in lieu of delivering such original recorded Mortgage, deliver to the Trustee a copy thereof; provided, that the Seller certifies that the original Mortgage has been delivered to a title insurance company for recordation after receipt of its policy of title insurance or binder therefor. In all such instances, the Depositor shall deliver or cause to be delivered the original recorded Mortgage to the Trustee promptly upon receipt of the original recorded Mortgage but in no event later than one year after the Closing Date.

The Seller hereby confirms to the Trustee that it has caused the portions of the Electronic Ledger relating to the Mortgage Loans to be clearly and unambiguously marked, and has made the appropriate entries in its general accounting records, to indicate that such Initial Mortgage Loans have been transferred to the Trustee and constitute part of the Trust in accordance with the terms of the trust created hereunder.

(b)          The parties hereto intend that the transaction set forth herein be a sale by the Depositor to the Trust of all the Depositor’s right, title and interest in and to the Initial Mortgage Loans and other property described above. In the event the transaction set forth herein is deemed not to be a sale, the Depositor hereby grants to the Trust a security interest in all of the Depositor’s right, title and interest in, to and under the Initial Mortgage Loans and other property described above; and this Agreement shall constitute a security agreement under applicable law.

(c)          Within 60 days of the Closing Date or Subsequent Transfer Date, as applicable, the Seller, at its own expense, shall either (i) prepare and send for recording the Assignments of Mortgage in favor of the Trustee in the appropriate real property or other records, or (ii) deliver

 

to the Trustee the Assignments of Mortgage in favor of the Trustee in form for recordation.  With respect to any Assignment of Mortgage as to which the related recording information is unavailable within 60 days following the Closing Date or Subsequent Transfer Date, as applicable, such Assignment of Mortgage shall be submitted for recording by the Seller within 30 days after receipt of such information, but in no event later than one year after the date such Assignment of Mortgage is otherwise required to be recorded pursuant to this Section 2.01(c).  The Trustee shall be required to retain a copy of each Assignment of Mortgage submitted for recording. In the event that any such Assignment of Mortgage is lost or returned unrecorded because of a defect therein, the Seller shall promptly prepare a substitute Assignment of Mortgage or cure such defect, as the case may be, and thereafter the Seller shall be
required to
submit each such Assignment of Mortgage for recording. Any failure of the Seller to comply with this Section 2.01(c) , or the discovery of any defect in any documents delivered pursuant to this Section 2.01(c) which has a material adverse effect on the value of the Mortgage Loan , shall result in the obligation of the Seller to repurchase or substitute an Eligible Substitute Mortgage Loan for the related Mortgage Loan pursuant to the provisions of Section 2.02.  Notwithstanding the foregoing, however, for administrative convenience and facilitation of servicing and to reduce closing costs, the Assignments of Mortgage shall not be required to be submitted for recording (except with respect to any Mortgage Loan located in Maryland) unless such failure to record would result in a withdrawal or a downgrading by any Rating Agency of the rating on the Certificates, without regard to the Certificate Insurance Policy; provided, further, however, each Assignment of Mortgage shall
be submitted for recording by the Servicer (in its capacity as Seller) in the manner described above, at no expense to the Trust or the Trustee, upon the earliest to occur of: (i) reasonable direction by the Certificate Insurer or by the Holders of Certificates entitled to at least 25% of the Voting Rights, (ii) the occurrence of a Servicer Termination Loss Event, (iii) the occurrence of a bankruptcy, insolvency or foreclosure relating to the Seller, (iv) the occurrence of a servicing transfer as described in Section 7.02 hereof, (v) if the Seller is not the Servicer and (vi) with respect to any one Assignment of Mortgage, the occurrence of a bankruptcy, insolvency or foreclosure relating to the Mortgagor under the related Mortgage.  Notwithstanding the foregoing, if the Servicer is unable to pay the cost of recording the Assignments of Mortgage, such expense shall be paid by the Trustee and shall be reimbursable pursuant to Section 9.05 of this Agreement.

(d)          The Trustee agrees, for the benefit of Certificateholders, within 90 days after execution and delivery of this Agreement, to review the Mortgage Files to ascertain that all required documents set forth in paragraphs (i) - (v) of Section 2.01(a) have been executed and received, and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule and that the Mortgage Notes have been endorsed as set forth in Section 2.01(a), and in so doing the Trustee may rely on the purported due execution and genuineness of any signature thereon.  If within such 90-day period the Trustee finds any document constituting a part of a Mortgage File not to have been executed or received or to be unrelated to the Mortgage Loans identified in said Mortgage Loan Schedule or, if in the course of its review, the Trustee
determines that such Mortgage File is otherwise defective in any material respect, the Trustee shall promptly upon the conclusion of its review notify the Seller, the Depositor and the Certificate Insurer, and the Seller shall have a period of 90 days after such notice within which to correct or cure any such defect.

 

 

(e)          The Trustee shall have no responsibility for reviewing any Mortgage File except as expressly provided in subsection (d) of Section 2.01. Without limiting the effect of the preceding sentence, in reviewing any Mortgage File pursuant to such subsection, the Trustee shall have no responsibility for determining whether any document is valid and binding, whether the text of any assignment or endorsement is in proper or recordable form (except, if applicable, to determine if the Trustee is the assignee or endorsee), whether any document has been recorded in accordance with the requirements of any applicable jurisdiction, or whether a blanket assignment is permitted in any applicable jurisdiction, but shall only be required to determine whether a document has been executed, that it appears to be what it purports to be, and,
where applicable, that it purports to be recorded, but shall not be required to determine whether any Person executing any document is authorized to do so or whether any signature thereon is genuine.

	
             
  	
            Section 2.02
 	
            Acceptance by Trustee.
 

The Trustee hereby acknowledges its receipt of the Certificate Insurance Policy and the sale and assignment of the Initial Mortgage Loans, and, subject to the review and period for delivery provided for in Section 2.01, its receipt of the Mortgage Files, and declares that the Trustee holds and shall hold such documents and all amounts received by it thereunder and hereunder in trust, upon the terms herein set forth, for the use and benefit of all present and future Certificateholders and the Certificate Insurer. If the Seller is given notice under Section 2.01(d) above and if the Seller does not correct or cure such omission or defect within the 90-day period specified in Section 2.01(d) above, the Seller shall purchase such Mortgage Loan from the Trustee (i) on the Determination Date in the month following the month in which such 90-day period expired at the Purchase Price of such
Mortgage Loan, or (ii) upon the expiration of such 90-day period at the Purchase Price of such Mortgage Loan if the omission or defect would result in the related Mortgage Loan not being a Qualified Mortgage Loan for purposes of Section 860G(a)(3) of the Code. The Purchase Price for the purchased Mortgage Loan shall be deposited in the Collection Account no later than the applicable Determination Date or the Business Day preceding the expiration of such 90-day period, as the case may be, and, upon receipt by the Trustee of written notification of such deposit, signed by an officer of the Seller, the Trustee shall release to the Seller the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as shall be necessary to vest in the Seller or its designee any Mortgage Loan released pursuant hereto. It is understood and agreed that the obligation of the Seller to purchase any Mortgage Loan as to which a
material defect in or omission of a constituent document exists shall constitute the sole remedy against the Seller respecting such defect or omission available to the Certificate Insurer, the Certificateholders or the Trustee on behalf of Certificateholders. An Opinion of Counsel to the effect set forth in Section 2.06(d) shall be delivered to the Trustee in connection with any such repurchase.

The Servicer, promptly following the transfer of (i) a Defective Mortgage Loan from, or (ii) an Eligible Substitute Mortgage Loan to the Trust pursuant to this Section and Section 2.06, as the case may be, shall amend the Mortgage Loan Schedule, appropriately mark the Electronic Ledger and make appropriate entries in its general account records to reflect such transfer and the addition of any Eligible Substitute Mortgage Loan, if applicable.

 

 

Section 2.03      Representations, Warranties and Covenants Regarding the Seller and the Servicer.

(I)  Each of the Seller and the Servicer represent and warrant that, as of the Closing Date and each Subsequent Transfer Date:

(a)          The Seller and Servicer is duly organized, validly existing, and in good standing under the laws of the United States of America and has all licenses necessary to carry on its business as now being conducted and is licensed, qualified and in good standing in each Mortgaged Property State if the laws of such state require licensing or qualification in order to conduct business of the type conducted by the Seller and Servicer and to perform its obligations as Seller and Servicer hereunder; the Seller and Servicer has the full power and authority corporate and otherwise to own its property, to carry on its business as presently conducted to execute and deliver this Agreement and to perform in accordance herewith; the execution, delivery and performance of this Agreement (including all instruments of transfer to be
delivered pursuant to this Agreement) by the Seller and Servicer and the consummation of the transactions contemplated hereby have been duly and validly authorized by all necessary action; this Agreement evidences the valid, binding and enforceable obligation of the Seller and Servicer; and all requisite action has been taken by the Seller and Servicer to make this Agreement valid, binding and enforceable upon the Seller and Servicer in accordance with its terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization, receivership, moratorium and other, similar laws relating to or affecting creditors’ rights generally or by the application of general equitable principles in any proceeding, whether at law or in equity;

(b)          All actions, approvals, consents, waivers, exemptions, variances, franchises, orders, permits, authorizations, rights and licenses required to be taken, given or obtained, as the case may be, by or from any federal, state or other governmental authority or agency that are necessary in connection with the purchase and sale of the Mortgage Loans and the execution and delivery by the Seller and Servicer of the documents relating to the transactions contemplated by this Agreement, and the Purchase Agreement in the case of the Seller, to which it is a party, have been duly taken, given or obtained, as the case may be, are in full force and effect, are not subject to any pending proceedings or appeals (administrative, judicial or otherwise) and either the time within which any appeal therefrom may be taken or review thereof
may be obtained has expired or no review thereof may be obtained or appeal therefrom taken, and are adequate to authorize the consummation of the transactions contemplated by this Agreement and the other documents on the part of the Seller and Servicer and the performance by the Seller and Servicer of its obligations as Seller or Servicer under this Agreement and such of the other documents to which it is a party;

(c)          The consummation of the transactions contemplated by this Agreement will not result in the breach of any terms or provisions of the charter or bylaws of the Seller and Servicer or result in the breach of any term or provision of, or conflict with or constitute a default under or result in the acceleration of any obligation under, any material agreement, indenture, contract or loan or credit agreement or other material instrument to which the Seller and Servicer or its property is subject, or result in the violation of any law, rule, regulation, order, judgment or decree to which the Seller and Servicer or its property is subject;

 

 

(d)          Neither this Agreement nor any statement, report or other document prepared by the Seller and furnished or to be furnished pursuant to this Agreement or in connection with the transactions contemplated hereby contains any untrue statement of material fact or omits to state a material fact necessary to make the statements contained herein or therein, in the light of the circumstances under which they were made, not misleading;

(e)          There is no action, suit, proceeding or investigation pending or, to the best of the knowledge of the Seller and Servicer, threatened, before any court, administrative agency or tribunal against the Seller and Servicer which, either in any one instance or in the aggregate, may result in any material adverse change in the business, operations, financial condition, properties or assets of the Seller and Servicer or in any material prohibition or impairment of the right or ability of the Seller and Servicer to carry on its business substantially as now conducted, or in any material liability on the part of the Seller and Servicer or which would draw into question the validity or enforceability of this Agreement or the Mortgage Loans or of any action taken or to be taken in connection with the obligations of the Seller and
Servicer contemplated herein, or which would be likely to impair materially the ability of the Seller and Servicer to perform under the terms of this Agreement or that might prohibit its entering into this Agreement or the consummation of any of the transactions contemplated hereby;

(f)           The Seller and Servicer is not in violation of or in default with respect to, and the execution and delivery of this Agreement by the Seller and Servicer and its performance of and compliance with the terms hereof will not constitute a violation or default with respect to, any order or decree of any court or any order, regulation or demand of any federal, state, municipal or governmental agency, which violation or default might have consequences that would materially and adversely affect the condition (financial or other) or operations of the Seller and Servicer or its properties or might have consequences that would materially and adversely affect its performance hereunder or under any Subservicing Agreement;

(g)          With respect to any Mortgage Loan purchased by the Seller, the Seller acquired title to the Mortgage Loan in good faith, without notice of any adverse claim; and

(h)          The Servicer is an approved seller/servicer of conventional first and second mortgage loans for Fannie Mae and an approved seller/servicer of conventional second mortgage loans for Freddie Mac in good standing, and the Servicer’s deposits are insured by the FDIC to the maximum extent permitted by law.

The representations and warranties set forth in this Section shall survive the sale and assignment of the Mortgage Loans to the Trust. Upon discovery of a breach of any representations and warranties which materially and adversely affects the interests of the Certificateholders or the Certificate Insurer, the Person discovering such breach shall give prompt written notice to the other parties and to the Certificate Insurer. Within 60 days of its discovery or its receipt of notice of breach, or, with the prior written consent of a Responsible Officer of the Trustee, such longer period specified in such consent, the Servicer shall cure such breach in all material respects.

 

 

(II)  Covenant to be Official Record of the Seller.  So long as the Certificates remain outstanding, this Agreement shall be treated as an official record of the Seller within the meaning of Section 13 (e) of the Federal Deposit Insurance Act (12 USC 1823 (e)).

Section 2.04      Representations and Warranties of the Seller Regarding the Mortgage Loans.

(a)          The Seller represents and warrants to the Trustee on behalf of the Certificateholders as follows as of the Cut-Off Date (or such other date specified) with respect to the Initial Mortgage Loans: 

(i)           The information with respect to each Mortgage Loan set forth in the Mortgage Loan Schedule is true and correct in all material respects as of the Cut-Off Date;

(ii)          All of the Related Documents set forth in Section 2.01 have been delivered to the Trustee;

(iii)        Each Mortgaged Property is improved by a one- to four-family Residential Dwelling, which, to the best of the Seller’s knowledge, does not include cooperatives and does not constitute anything other than real property under state law;

	
             
  	
            (iv)
 	
            Each Mortgage Loan is being serviced by the Servicer;
 

(v)          Each Mortgage Loan has an original term to maturity from the date on which the first Monthly Payment is due of not more than 30 years;

(vi)         88.11% of the Initial Mortgage Loans by Cut-Off Date Principal Balance have Mortgage Notes that provide for Monthly Payments that will adjust semi-annually (other than during the first two or three years following origination) with changes to the related Loan Rate, which, if timely paid, are sufficient to fully amortize the principal balance of such Mortgage Note on or before its maturity date and to pay interest at the applicable Loan Rate from time to time in effect;

(vii)       Each Mortgage is a valid and subsisting first or second lien of record on the Mortgaged Property subject, in the case of any second Mortgage Loan, only to a First Lien on such Mortgaged Property and subject in all cases to the exceptions to title set forth in the title insurance policy with respect to the related Mortgage Loan, which exceptions are generally acceptable to second mortgage lending companies, and such other exceptions to which similar properties are commonly subject and which do not individually, or in the aggregate, materially and adversely affect the benefits of the security intended to be provided by such Mortgage. Any security agreement, chattel mortgage or equivalent document related to the Mortgage and delivered to the Trustee establishes in the Seller a valid and
subsisting lien on the property described therein, and the Seller has full right to assign the same to the Trustee;

(viii)      Except with respect to liens released immediately prior to the transfer herein contemplated, each Mortgage Note and related Mortgage have not been assigned 

 

or pledged and immediately prior to the transfer and assignment herein contemplated, the Seller held good, marketable and indefeasible title to, and was the sole owner and holder of, each Mortgage Loan subject to no liens, charges, mortgages, claims, participation interests, equities, pledges or security interests of any nature, encumbrances or rights of others (collectively, a “Lien”); the Seller has full right and authority under all governmental and regulatory bodies having jurisdiction over the Seller, subject to no interest or participation of, or agreement with, any party, to sell and assign the same pursuant to this Agreement; and immediately upon the transfer and assignment herein contemplated, the Depositor will hold good, marketable and indefeasible title, to, and be the sole owner of, each Mortgage Loan subject to no Liens;

(ix)         No Mortgage Loan was 30 or more days delinquent as of the related Cut-Off Date and no Mortgage Loan has been 30 or more days delinquent more than twice during the twelve months prior to the related Cut-Off Date;

(x)          To the best of the Seller’s knowledge, there is no delinquent tax, fee or assessment lien on any Mortgaged Property, and each Mortgaged Property is free of material damage and is in average repair;

(xi)         No Mortgage Loan is subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of any Mortgage Note or Mortgage, or the exercise of any right thereunder, render either the Mortgage Note or the Mortgage unenforceable in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto;

(xii)       To the best of the Seller’s knowledge, there is no mechanics’ lien or claim for work, labor or material affecting any Mortgaged Property which is or may be a lien prior to, or equal or coordinate with, the lien of the related Mortgage, and no rights are outstanding that under law could give rise to such a lien except those which are insured against by the title insurance policy referred to in Section 2.04(xiv) below;

(xiii)      Each Mortgage Loan, at the time it was originated, complied in all material respects with applicable state and federal laws and regulations, including, without limitation, usury, equal credit opportunity, consumer credit, truth-in-lending and disclosure laws;

(xiv)      With respect to each Mortgage Loan, a lender’s title insurance policy, issued in standard American Land Title Association or California Land Title Association form, or other form acceptable in a particular jurisdiction, by a title insurance company authorized to transact business in the state in which the related Mortgaged Property is situated, together with a condominium endorsement, if applicable, in an amount at least equal to the original principal balance of such Mortgage Loan insuring the mortgagee’s interest under the related Mortgage Loan as the holder of a valid first or second mortgage lien of record on the real property described in the Mortgage, subject only to the exceptions of the character referred to in Section 2.04 (vii) above, was valid and in full 

 

force and effect on the date of the origination of such Mortgage Loan and as of the Closing Date and as of the Subsequent Transfer Date, as applicable;

(xv)        The improvements upon each Mortgaged Property are covered by a valid and existing hazard insurance policy with a generally acceptable carrier that provides for fire and extended coverage representing coverage described in Sections 3.04 and 3.05 of this Agreement;

(xvi)      A flood insurance policy is in effect with respect to each Mortgaged Property with a generally acceptable carrier in an amount representing coverage described in Section 3.04 or 3.05 of this Agreement, if and to the extent required by Section 3.04 or 3.05 of this Agreement;

(xvii)     Each Mortgage and Mortgage Note is the legal, valid and binding obligation of the related Mortgagor and is enforceable in accordance with its terms, except only as such enforcement may be limited by bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting the enforcement of creditors’ rights generally and by general principles of equity (whether considered in a proceeding or action in equity or at law), and all parties to each Mortgage Loan and the Mortgagee had full legal capacity to execute all Mortgage Loan documents and to convey the estate therein purported to be conveyed;

(xviii)    The Seller has directed the Servicer to perform any and all acts required to be performed to preserve the rights and remedies of the Trustee in any insurance policies applicable to the Mortgage Loans including, without limitation, any necessary notifications of insurers, assignments of policies or interests therein, and the establishment of co-insured, joint loss payee and mortgagee rights in favor of the Trustee;

(xix)      The terms of the Mortgage Note and the Mortgage have not been impaired, altered or modified in any material respect, except by a written instrument which has been recorded or is in the process of being recorded, if necessary, to protect the interests of the Certificateholders and the Certificate Insurer and which has been or will be delivered to the Trustee. The substance of any such alteration or modification is reflected on the Mortgage Loan Schedule and was approved, if required, by the related primary mortgage guaranty insurer, if any. Each original Mortgage was recorded, and all subsequent assignments of the original Mortgage have been recorded in the appropriate jurisdictions wherein such recordation is necessary to perfect the lien thereof as against creditors of the Seller, or,
subject to Section 2.01 hereof, are in the process of being recorded or have been delivered to the Trustee pursuant to Section 2.01(c);

(xx)        No instrument of release or waiver has been executed in connection with the Mortgage Loan, and no Mortgagor has been released, in whole or in part;

(xxi)      To the best of the Seller’s knowledge, there are no defaults in complying with the terms of the Mortgage, and either (1) any taxes, governmental assessments, insurance premiums, water, sewer and municipal charges or ground rents which previously became due and owing have been paid, or (2) an escrow of funds has been 

 

established in an amount sufficient to pay for every such item which remains unpaid and which has been assessed but is not yet due and payable. Except for payments in the nature of escrow payments, including without limitation, taxes and insurance payments, the Seller has not advanced funds, or induced, solicited or knowingly received any advance of funds by a party other than the Mortgagor, directly or indirectly, for the payment of any amount required by the Mortgage Note, except for interest accruing from the date of the Mortgage Note or date of disbursement of the Mortgage proceeds, whichever is later, to the day which precedes by one month the Due Date of the first installment of principal and interest;

(xxii)     There is no proceeding pending or, to the best of the Seller’s knowledge, threatened for the total or partial condemnation of any Mortgaged Property, nor is such a proceeding currently occurring, and such property is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty, so as to affect adversely the value of the Mortgaged Property as security for the Mortgage Loan or the use for which the premises were intended;

(xxiii)    To the best of the Seller’s knowledge, all of the improvements which were included for the purpose of determining the appraised value of the Mortgaged Property lie wholly within the boundaries and building restriction lines of such property, and no improvements on adjoining properties encroach upon the Mortgaged Property;

(xxiv)    To the best of the Seller’s knowledge, no improvement located on or being part of the Mortgaged Property is in violation of any applicable zoning law or regulation. To the best of the Seller’s knowledge, all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy and fire underwriting certificates, have been made or obtained from the appropriate authorities and the Mortgaged Property is lawfully occupied under applicable law;

(xxv)     The proceeds of each Mortgage Loan have been fully disbursed, and there is no obligation on the part of the mortgagee to make future advances thereunder. Any and all requirements as to completion of any on-site or off-site improvements and as to disbursements of any escrow funds therefor have been complied with. All costs, fees and expenses incurred in making, closing or recording the Mortgage Loans were paid;

(xxvi)    Each Mortgage Note is not and has not been secured by any collateral, pledged account or other security except the lien of the corresponding Mortgage;

	
             
  	
            (xxvii)
 	
            No Mortgage Loan was originated under a buydown plan;
 

(xxviii) There is no obligation on the part of the Seller or any other party to make payments in addition to those made by the Mortgagor;

(xxix)    With respect to each Mortgage constituting a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves and is named in such Mortgage, and no fees or expenses are or will 

 

become payable by the Certificateholders to the trustee under the deed of trust, except in connection with a trustee’s sale after default by the Mortgagor;

(xxx)     No Mortgage Loan has a shared appreciation feature, or other contingent interest feature;

(xxxi)    The related First Lien, if any, requires equal monthly payments, unless such First Lien is a graduated payment mortgage loan or a balloon loan, or if it bears an adjustable interest rate, the monthly payments for the related First Lien may be adjusted no more frequently than monthly;

(xxxii)    Either (A) no consent for the Mortgage Loan is required by the holder of the related First Lien or (B) such consent has been obtained and is contained in the Mortgage File;

(xxxiii)    The maturity date of the Mortgage Loan is prior to the maturity date of the related First Lien, if any, if such First Lien provides for a balloon payment, except if the Combined Loan-to-Value Ratio does not exceed 65%. No Mortgage Loan is a blanket loan; and no Mortgage Loan provides for negative amortization;

(xxxiv)    All parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) (A)(1) in compliance with any and all applicable licensing requirements of the laws of the state wherein the Mortgaged Property is located, and (2) organized under the laws of such state, or (B) qualified to do business in such state, or (C) federal savings and loan associations or national banks having principal offices in such state, or (D) not doing business in such state so as to require qualification or licensing;

(xxxv)    The Mortgage contains a customary provision for the acceleration of the payment of the unpaid principal balance of the Mortgage Loan in the event the related security for the Mortgage Loan is sold without the prior consent of the mortgagee thereunder;

(xxxvi)    Any future advances made prior to the Cut-Off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term reflected on the Mortgage Loan Schedule. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan. The Mortgage Note does not permit or obligate the Seller to make future advances to the Mortgagor at the option of the Mortgagor;

(xxxvii)              The Mortgage contains customary and enforceable provisions which render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security, including, (1) in the case of a Mortgage designated as a deed of trust, by trustee’s sale, and (2) otherwise by judicial or non-judicial foreclosure. There is no homestead or other exemption available to the Mortgagor which would materially interfere with the right to sell the Mortgaged 

 

Property at a trustee’s sale or the right to foreclose the Mortgage except as set forth in the Prospectus;

(xxxviii)             Except as set forth in (ix) above, there is no default, breach, violation or event of acceleration existing under any Mortgage or the related Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration; and the Seller has not waived any default, breach, violation or event of acceleration;

(xxxix) All parties to the Mortgage Note and the Mortgage had legal capacity to execute the Mortgage Note and the Mortgage and each Mortgage Note and Mortgage have been duly and properly executed by such parties;

(xl)         All amounts received after the Cut-Off Date with respect to the Mortgage Loans to which the Seller is not entitled have been deposited into the Collection Account and are, as of the Closing Date, in the Collection Account;

(xli)       All of the Mortgage Loans were originated in accordance with the underwriting criteria set forth in the Prospectus Supplement;

(xlii)      Each Mortgage Loan conforms, and all Mortgage Loans in the aggregate conform, to the description thereof set forth in the Prospectus Supplement:

(xliii)     The Mortgage Loans were not selected by the Seller for inclusion in the Trust on any basis intended to adversely affect the Trust or the Certificate Insurer;

(xliv)     All appraisals were performed by qualified independent appraisers after analysis of other sales of properties in the area in which the related Mortgaged Property is located, and a full interior inspection appraisal was performed on forms acceptable to either Fannie Mae or Freddie Mac in connection with each Mortgaged Property;

(xlv)      Each hazard insurance policy required to be maintained under Section 3.04 of this Agreement with respect to the Mortgage Loan is a valid, binding, enforceable and subsisting insurance policy of its respective kind and is in full force and effect;

(xlvi)     Each Mortgage Loan was originated by the Seller or an affiliate of the Seller;

(xlvii)    Each Mortgaged Property is located in the Mortgaged Property State identified on the Mortgage Loan Schedule and consists of a single parcel of real property with a one-family Residential Dwelling erected thereon, or an attached or detached or semi-detached two- to four-family Residential Dwelling, or an individual condominium unit in a condominium, or an individual unit in a planned unit development. With respect to the Cut-Off Date Pool Principal Balance, (a) no more than 10.62% of the Initial Mortgage Loans are secured by real property improved by two- to four-family Residential Dwelling, (b) no more than 11.11% of the Initial Mortgage Loans are secured by real property improved by individual condominium units and units in a planned unit 

 

development, (c) at least 72.78% of the Initial Mortgage Loans are secured by real property with a detached one-family Residential Dwelling erected thereon, and (d) no more than 5.47% of the Initial Mortgage Loans are secured by real property with an attached one-family Residential Dwelling erected thereon;

(xlviii)  No Mortgage Loan had a Combined Loan-to-Value Ratio at the time of origination of more than 100.00%;

(xlix)     At the time that each Mortgage Loan was originated, with respect to 96.06% of the Initial Mortgage Loans by Cut-Off Date Principal Balance, the Mortgagor represented that the Mortgagor was occupying the related Mortgaged Property as the Mortgagor’s primary residence. To the best of the Seller’s knowledge, the Mortgaged Property is lawfully occupied under applicable law;

(l)           Each Mortgage Note is not and has not been secured by any collateral, pledged account or other security except the lien of the corresponding Mortgage and the security interest of any applicable security agreement or chattel mortgage referred to in Section 2.04 (vii);

	
             
  	
            (li)
 	
            Each Mortgage Loan was originated after October 2003;
 

(lii)        As of the Closing Date, the Seller has not received a notice of default of a First Lien which has not been cured;

(liii)       The Seller has not transferred the Mortgage Loans to the Purchaser with any intent to hinder, delay or defraud any of its creditors;

(liv)       Each Mortgage Loan is a “qualified mortgage” as defined in the REMIC Provisions;

(lv)         For the duration of the Trust, this Agreement and the Purchase Agreement shall be treated as an official record of the Seller within the meaning of Section 13(e) of the Federal Deposit Insurance Act (12 USC 1823(e)); 

(lvi)       No Mortgage Loan is a “high cost mortgage” pursuant to Section 226.32 of the Truth-in-Lending Act, as amended; 

(lvii)      No Mortgage Loan that was originated on or after October 1, 2002 is secured by a Mortgaged Property located in the State of Georgia; no Mortgage Loan is a “High-Cost Home Loan,” as such term is defined in the Georgia Fair Lending Act;

(lviii)     No Mortgage Loan originated on or after January 1, 2004 is a “high-cost” loan subject to the New Mexico Home Loan Protection Act;

(lix)       No Mortgage Loan is a “high-cost,” “high-cost home,” “covered,” “high-risk home” or “predatory” loan under any applicable federal, state or local predatory or abusive lending law; and no Mortgage Loan originated on or after November 27, 2003, is a “high cost” loan subject to the New Jersey Home Ownership Security Act of 2003;

 

 

(lx)         No Mortgage Loan is subject to the Home Ownership and Equity Protection Act of 1994;

(lxi)       The Seller has complied with, and at all times will comply with, all applicable statutes, regulations and public policy statements affecting the enforceability of agreements of insured depository institutions or prescribing the form or maintenance of documentation evidencing the transfer of assets, including, but not limited to, Section 13(e) of the Federal Deposit Insurance Act (12 USC 1823(e)); and

(lxii)      The collection practices used by the Seller with respect to the Mortgage Loans have been, in all material respects, legal, proper, prudent and customary in the non-conforming mortgage servicing business.

With respect to the representations and warranties set forth in this Section 2.04 that are made to the best of the Seller’s knowledge or as to which the Seller has no knowledge, if it is discovered by the Depositor, the Seller, the Servicer, the Certificate Insurer or a Responsible Officer of the Trustee that the substance of such representation and warranty is inaccurate and such inaccuracy materially and adversely affects the value of the related Mortgage Loan then, notwithstanding the Seller’s lack of knowledge with respect to the substance of such representation and warranty being inaccurate at the time the representation or warranty was made, such inaccuracy shall be deemed a breach of the applicable representation or warranty.

(b)          It is understood and agreed that the representations and warranties set forth in this Section 2.04 shall survive delivery of the respective Mortgage Files to the Trustee and the termination of the rights and obligations of the Servicer pursuant to Section 7.04 or 8.01. Upon discovery by the Depositor, the Seller, the Servicer, the Certificate Insurer or a Responsible Officer of the Trustee of a breach of any of the foregoing representations and warranties, without regard to any limitation set forth therein concerning the knowledge of the Seller as to the facts stated therein, which materially and adversely affects the interests of the Trust or the Certificateholders or the Certificate Insurer in the related Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties and the
Certificate Insurer. Within 60 days of its discovery or its receipt of notice of breach, the Seller shall use all reasonable efforts to cure such breach in all material respects or shall purchase from the Trust or substitute an Eligible Substitute Mortgage Loan as provided in Section 2.06 for such Mortgage Loan from the Trust. Any such purchase by the Seller shall be at the Purchase Price, and in each case shall be accomplished in the manner set forth in Section 2.02. It is understood and agreed that the obligation of the Seller to cure, substitute or purchase any Mortgage Loan as to which such a breach has occurred and is continuing shall constitute the sole remedies against the Seller respecting such breach available to Certificateholders or the Trustee on behalf of Certificateholders. An Officers’ Certificate and Opinion of Counsel to the effect set forth in Sections 2.06(b) and 2.06(d) shall be delivered to the Trustee in connection with any such repurchase.

 

	
             
  	
            Section 2.05
 	
            Representations and Warranties of the Depositor.
 

(a)          The Depositor represents and warrants to the Trustee on behalf of the Certificateholders as of the Closing Date as follows:

 

 

(i)           This Agreement constitutes a legal, valid and binding obligation of the Depositor, enforceable against the Depositor in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws now or hereafter in effect affecting the enforcement of creditors’ rights in general and except as such enforceability may be limited by general principles of equity (whether considered in a proceeding at law or in equity);

(ii)          Immediately prior to the sale and assignment by the Depositor to the Trustee of each Mortgage Loan, the Depositor had good and equitable (but not record) title to each Mortgage Loan (insofar as such title was conveyed to it by the Seller) subject to no prior lien, claim, participation interest, mortgage, security interest, pledge, charge or other encumbrance or other interest of any nature;

(iii)        As of the Closing Date, the Depositor has transferred all right, title and interest in the Mortgage Loans to the Trustee; and

(iv)         The Depositor has not transferred the Mortgage Loans to the Trustee with any intent to hinder, delay or defraud any of its creditors.

	
             
  	
            Section 2.06
 	
            Substitution of Mortgage Loans.
 

(a)          On a Determination Date within two years following the Closing Date and which is on or before the date on which the Seller would otherwise be required to repurchase a Mortgage Loan under Section 2.02 or 2.04, the Seller may deliver to the Trustee one or more Eligible Substitute Mortgage Loans in substitution for any one or more of the Defective Mortgage Loans which the Seller would otherwise be required to repurchase pursuant to Section 2.02 or 2.04.

(b)          The Seller shall notify the Servicer and the Trustee in writing not less than five Business Days before the related Determination Date which is on or before the date on which the Seller would otherwise be required to repurchase such Mortgage Loan pursuant to Section 2.02 or 2.04 of its intention to effect a substitution under this Section. On such Determination Date (the “Substitution Date”), the Seller shall deliver to the Trustee (1) the Eligible Substitute Mortgage Loans to be substituted for the Defective Mortgage Loans, (2) a list of the Defective Mortgage Loans to be substituted for by such Eligible Substitute Mortgage Loans, (3) an Officers’ Certificate (A) stating that no failure by the Servicer described in Section 8.01 shall have occurred and be continuing, (B) stating that the aggregate
principal balance of all Eligible Substitute Mortgage Loans (determined with respect to each Eligible Substitute Mortgage Loan as of the Determination Date on which it was substituted) including the principal balance of Eligible Substitute Mortgage Loans being substituted on such Determination Date does not exceed an amount equal to 5% of the sum of (i) the Cut-Off Date Pool Principal Balance and (ii) the Original Pre-Funded Amount, (C) stating that all conditions precedent to such substitution specified in subsection (a) have been satisfied and attaching as an exhibit a supplemental Mortgage Loan schedule (the “Supplemental Mortgage Loan Schedule”) setting forth the same type of information as appears on the Mortgage Loan Schedule and representing as to the accuracy thereof, and (D) confirming that the representations and warranties contained in Section 2.04 are true and correct in all material respects with respect to the Substitute Mortgage Loans on 

 

and as of such Determination Date; provided, that remedies for the inaccuracy of such representations are limited as set forth in Sections 2.02, 2.04 and this Section 2.06, (4) an Opinion of Counsel to the effect set forth below and (5) a certificate stating that cash in the amount of the related Substitution Adjustment, if any, has been deposited to the Collection Account. Upon receipt of the foregoing, the Trustee shall release such Defective Mortgage Loans to the Seller.

(c)          Concurrently with the satisfaction of the conditions set forth in Section 2.06(a) and (b) above and the grant of such Eligible Substitute Mortgage Loans to the Trustee pursuant to Section 2.06(a) above, Exhibit C to this Agreement shall be deemed to be amended to exclude all Mortgage Loans being replaced by such Eligible Substitute Mortgage Loans and to include the information set forth on the Supplemental Mortgage Loan Schedule with respect to such Eligible Substitute Mortgage Loans, and all references in this Agreement to Mortgage Loans shall include such Eligible Substitute Mortgage Loans and be deemed to be made on or after the related Substitution Date, as the case may be, as to such Eligible Substitute Mortgage Loans.

(d)          In connection with any Mortgage Loan that the Seller is required to purchase or replace, the Seller shall deliver to the Trustee an Opinion of Counsel to the effect that such purchase or substitution will not cause (x) any federal tax to be imposed on the Trust, including without limitation, any Federal tax imposed on “prohibited transactions” under Section 860F(a)(1) of the Code or on “contributions after the start-up day” under Section 860G(d)(1) of the Code, or (y) any REMIC created hereunder to fail to qualify as a REMIC at any time that any Certificate is outstanding.  In the event that such opinion indicates that a repurchase or substitution will result in the imposition of a prohibited transaction tax, give rise to net taxable income or be deemed a contribution to any REMIC created hereunder
after the “start-up day,” the Seller shall not be required to repurchase or replace any such Mortgage Loan unless and until the Servicer has determined there is an actual or imminent default with respect thereto or that such defect or breach adversely affects the enforceability of such Mortgage Loan.

	
             
  	
            Section 2.07
 	
            Execution and Authentication of Certificates.
 

(a)          The Trustee on behalf of the Trust shall cause to be executed, authenticated and delivered on the Closing Date to or upon the order of the Depositor, in exchange for the Mortgage Loans, concurrently with the sale, assignment and conveyance to the Trustee of the Mortgage Loans, the Class A and Class C Certificates in authorized denominations and the Class R Certificates, together evidencing the ownership of the entire Trust.

	
             
  	
            Section 2.08
 	
            Designation of Interests in REMIC 3.
 

The Class R-3 Interest is hereby designated as the single class of “residual interests” in REMIC 3 for purposes of the REMIC Provisions. The Class A Certificates and the Class C Certificates (exclusive of any right of the holder of any such Certificates to receive distributions from or obligations to make payments to the Basis Risk Reserve Fund in respect of the Class A Available Funds Cap Carryover Amount and the Corridor Contract), are hereby designated as “regular interests” in REMIC 3 for purposes of the REMIC Provisions. 

 

 

	
             
  	
            Section 2.09
 	
            Designation of Start-up Day.
 

The Closing Date is hereby designated as the “start-up day” of each REMIC created hereunder within the meaning of Section 860G(a)(9) of the Code.

	
             
  	
            Section 2.10
 	
            [RESERVED].  
 	
             

	
             
  	
            Section 2.11
 	
            Tax Returns and Reports to Certificateholders.
 

(a)          For federal income tax purposes, the Trust shall have a calendar year and shall maintain its books on the accrual method of accounting.

(b)          The Trustee shall prepare or cause to be prepared, execute and deliver to the Servicer or Certificateholders, as applicable, any income tax information returns for each taxable year with respect to the Trust containing such information at the times and in the manner as may be required by the Code or state or local tax laws, regulations, or rules, and shall furnish or cause to be furnished to the Trust and the Certificateholders the schedules, statements or information at such times and in such manner as may be required thereby. Within thirty (30) days of the Closing Date, the Trustee shall furnish or cause to be furnished to the Internal Revenue Service, on Form 8811 or as otherwise required by the Code, the name, title, address and telephone number of the person that Holders of the Certificates may contact for tax
information relating thereto, together with such additional information at the time or times and in the manner required by the Code. Such federal, state, or local income tax or information returns shall be signed by the Trustee, or such other Person as may be required to sign such returns by the Code or state or local tax laws, regulations, or rules.

(c)          In the first federal income tax return of the Trust for its short taxable year ending December 31, 2005, REMIC status shall be elected with respect to all assets of REMIC 1, REMIC 2 and REMIC 3 for such taxable year and all succeeding taxable years.

(d)          The Trustee shall maintain or cause to be maintained such records relating to the Trust, including but not limited to the income, expenses, assets and liabilities of the Trust, and the fair market value and adjusted basis of the Trust property and assets determined at such intervals as may be required by the Code, as may be necessary to prepare the foregoing returns, schedules, statements or information.

(e)          The Servicer, upon request, shall promptly furnish the Trustee with all such information as may be required in connection with the Trustee’s obligations pursuant to this Section 2.11.

	
             
  	
            Section 2.12
 	
            Tax Matters Person.
 

The tax matters person with respect to the Trust shall be the Trustee. The Trustee shall at all times hold the Tax Matters Person Residual Interest and shall have the same duties with respect to the Trust as those of a “tax matters partner” under the Code. Each holder of a Class R Certificate shall be deemed to have agreed, by acceptance thereof, to be bound by this Section 2.12.

 

 

	
             
  	
            Section 2.13
 	
            REMIC Related Covenants.
 

For as long as the Trust shall exist, the Trustee shall act in accordance herewith to assure continuing treatment of the REMIC 1, REMIC 2 and REMIC 3 as REMICs and avoid the imposition of tax on the Trust. In particular:

(a)          The Trustee shall not create, or permit the creation of, any “interests” in the Trust within the meaning of Code Section 860D(a)(2) other than the REMIC 1 Regular Interests, the REMIC 2 Regular Interests, the REMIC 3 Regular Interests, the Class R-1 Interest, the Class R-2 Interest and the Class R-3 Interest. 

(b)          Except as otherwise provided in the Code, the Depositor shall not grant and the Trustee shall not accept property unless (i) substantially all of the property held in the REMICs created hereunder constitutes either “qualified mortgages” or “permitted investments” as defined in Code Sections 860G(a)(3) and (5), respectively, and (ii) if such proposed contribution is to be contributed to a REMIC created hereunder after the start-up day, such grant would not subject the Trust to the 100% tax on contributions to a REMIC after the start-up day of the REMICs imposed by Code Section 860G(d).

(c)          The Trustee shall not accept on behalf of the Trust any fee or other compensation for services (other than as otherwise provided herein) and shall not accept on behalf of the Trust any income from assets other than those permitted to be held by a REMIC.

(d)          The Trustee shall not sell or permit the sale of all or any portion of the Mortgage Loans (other than in accordance with Section 2.02, 2.04 or 3.17), unless such sale is pursuant to a “qualified liquidation” as defined in Code Section 860F(a)(4)(A) and in accordance with Article VIII.

(e)          The Trustee shall maintain books with respect to the Trust on a calendar year taxable year and on an accrual basis.

(f)           Upon filing with the Internal Revenue Service, the Trustee shall furnish to the Holders of the Class R Certificates the Form 1066 and each Form 1066Q and shall respond promptly to written requests made not more frequently than quarterly by any Holder of Class R Certificates with respect to the following matters:

(i)           The original projected principal and interest cash flows on the Closing Date on each class of regular and residual interests created hereunder and on the Mortgage Loans, based on the Prepayment Assumption;

(ii)          The projected remaining principal and interest cash flows as of the end of any calendar quarter with respect to each class of regular and residual interests created hereunder and the Mortgage Loans, based on the Prepayment Assumption;

(iii)        The Prepayment Assumption and any interest rate assumptions used in determining the projected principal and interest cash flows described above;

 

 

(iv)         The original issue discount (or, in the case of the Mortgage Loans, market discount) or premium accrued or amortized through the end of such calendar quarter with respect to each class of regular or residual interests created hereunder and with respect to the Mortgage Loans, together with each constant yield to maturity used in computing the same;

(v)          The treatment of losses realized with respect to the Mortgage Loans or the regular interests created hereunder, including the timing and amount of any cancellation of indebtedness income of each REMIC created hereunder with respect to such regular interests or bad debt deductions claimed with respect to the Mortgage Loans;

(vi)         The amount and timing of any non-interest expenses of each REMIC created hereunder; and

(vii)       Any taxes (including penalties and interest) imposed on each REMIC created hereunder, including, without limitation, taxes on “prohibited transactions,” “contributions” or “net income from foreclosure property” or state or local income or franchise taxes.

In the event that any tax is imposed on “prohibited transactions” of the Trust as defined in Section 860F(a)(2) of the Code, on the “net income from foreclosure property” of any REMIC created hereunder as defined in Section 860G(c) of the Code, on any contribution to the Trust after the Startup Day pursuant to Section 860G(d) of the Code, or any other tax (other than any minimum tax imposed by Section 23151 (a) or 23153 (a) of the California Revenue and Taxation Code) is imposed, such tax shall be paid by (i) the Trustee, if such tax arises out of or results from a breach by the Trustee of any of its obligations under this Agreement, (ii) the Servicer, if such tax arises out of or results from a breach by the Servicer of any of its obligations under this Agreement, or otherwise, (iii) the Holders of the Class R Certificates in proportion to their Percentage Interests.
To the extent such tax is chargeable against the holders of the Class R Certificates, notwithstanding anything to the contrary contained herein, the Trustee is hereby authorized to retain from amounts otherwise distributable to the Holders of the Class R Certificates on any Distribution Date sufficient funds to reimburse the Trustee for the payment of such tax (to the extent that the Trustee has not been previously reimbursed or indemnified therefor under Section 9.05). Any tax imposed on the Trust by Section 23151 or Section 23153 of the California Revenue and Taxation Code shall be timely paid by the Trustee out of its own funds without right of reimbursement therefor if such taxes arise solely from the Trustee’s presence in California, and otherwise by the Servicer.

The Trustee shall not engage in a “prohibited transaction” (as defined in Code Section 860F(a)(2)), except that, with the prior written consent of the Depositor, the Trustee may engage in the activities otherwise prohibited by the foregoing clauses (b), (c) and (d); provided, that the Seller shall have delivered to the Trustee an Opinion of Counsel to the effect that such transaction will not result in the imposition of a contribution or prohibited transaction tax on the Trust and will not disqualify any REMIC created hereunder from treatment as a REMIC; and provided, that the Seller shall have demonstrated to the satisfaction of the Trustee that such action will not adversely affect the rights of the holders of the Certificates and the Trustee and that such action will not adversely
impact the rating of the Certificates.

 

 

(g)          Except as provided below, the Trustee shall pay out of its own funds, without any right of reimbursement, any and all tax related expenses of the Trust (including, but not limited to, tax return preparation and filing expenses and any professional fees or expenses related to audits or any administrative or judicial proceedings with respect to the Trust that involve the Internal Revenue Service or state tax authorities), other than the expense of obtaining any Opinion of Counsel required pursuant to Sections 2.06, 3.07 and 10.02 and other than taxes except as specified herein. The Trustee shall be entitled to be reimbursed pursuant to Section 9.05 for any professional fees or expenses related to audits or any administrative or judicial proceedings that do not result from any breach of the Trustee’s duties hereunder.

	
             
  	
            Section 2.14
 	
            Subsequent Transfers.
 

(a)          Subject to the satisfaction of the conditions set forth in paragraph (b) below and pursuant to the terms of each Subsequent Transfer Agreement, in consideration of the Trustee’s delivery, on behalf of the Trust, on the related Subsequent Transfer Date to or upon the order of the Seller of the purchase price therefor, the Seller shall on any Subsequent Transfer Date sell, transfer, assign, set over and otherwise convey without recourse to the Trust, (i) all right, title and interest of the Seller in and to each Subsequent Mortgage Loan transferred pursuant to such Subsequent Transfer Agreement, including the related Cut-Off Date Principal Balance and all interest accruing thereon after the related Due Date in the calendar month preceding the Subsequent Transfer Date and all collections in respect of principal
received after the related Cut-Off Date (other than payments in respect of accrued interest on such Subsequent Mortgage Loans through the related Due Date in the calendar month preceding the Subsequent Transfer Date); (ii) property which secured such Subsequent Mortgage Loan and which has been acquired by foreclosure or deed in lieu of foreclosure; (iii) its interest in any insurance policies in respect of such Subsequent Mortgage Loans; and (iv) all proceeds of any of the foregoing.  The transfer by the Seller to the Trust of the Subsequent Mortgage Loans set forth in the Subsequent Transfer Agreement shall be absolute and shall be intended by the Seller and all parties hereto to be treated as a sale by the Seller to the Trust.  If the assignment and transfer of the Subsequent Mortgage Loans and the other property specified in this Section 2.14 from the Seller to the Trust pursuant to this Agreement is held or deemed not to be a sale or is held or deemed to be a pledge
of security for a loan, the Seller intends that the rights and obligations of the parties shall be established pursuant to the terms of this Agreement and that, in such event, (i) the Seller shall be deemed to have granted and does hereby grant to the Trust as of such Subsequent Transfer Date a first priority security interest in the entire right, title and interest of the Seller in and to the Subsequent Mortgage Loans and all other property conveyed to the Trust pursuant to this Section 2.14 and all proceeds thereof and (ii) this Agreement shall constitute a security agreement under applicable law.  The purchase price shall be one hundred percent (100%) of the Cut-Off Date Principal Balances of the Subsequent Mortgage Loans.  On or before each Subsequent Transfer Date, the Seller shall deliver to, and deposit with the Trustee, the Related Documents with respect to each Subsequent Mortgage Loan transferred on such Subsequent Transfer Date, and the Mortgage Loan Schedule in
computer readable format with respect to such Subsequent Mortgage Loans.

(b)          The Seller shall transfer and deliver to the Trustee on behalf of the Trust the Subsequent Mortgage Loans and the other property and rights related thereto described in 

 

paragraph (a) of this Section 2.14 only upon the satisfaction of each of the following conditions on or prior to the applicable Subsequent Transfer Date:

(i)           The Seller shall have provided the Depositor, the Servicer, the Trustee, the Certificate Insurer and the Rating Agencies with an Addition Notice, which notice shall be given not less than two Business Days prior to the applicable Subsequent Transfer Date and shall designate the Subsequent Mortgage Loans to be sold to the Trust and the Aggregate Principal Balance of such Mortgage Loans and the Rating Agencies shall have informed the Seller, the Depositor, the Certificate Insurer or the Trustee prior to the applicable Subsequent Transfer Date in writing that the inclusion of such Subsequent Mortgage Loans will not result in the downgrade or withdrawal of the ratings assigned to the Class A Certificates (without taking the Certificate Insurance Policy into account);

(ii)          The Seller shall have delivered to the Trustee and the Servicer a duly executed Subsequent Transfer Agreement in substantially the form of Exhibit P;

(iii)        The Seller shall have delivered to the Servicer for deposit in the Collection Account all principal collected and interest collected to the extent accrued and due after the related Due Date in the calendar month preceding the month of the Subsequent Transfer Date;

(iv)         As of each Subsequent Transfer Date, the Seller was not insolvent, the Seller will not be made insolvent by such transfer and the Seller is not aware of any pending insolvency;

	
             
  	
            (v)
 	
            The Funding Period shall not have terminated;
 

(vi)         The Seller shall have provided the Trustee, the Certificate Insurer and the Rating Agencies with an Opinion of Counsel relating to the sale (i.e., “True Sale Opinion”) of the Subsequent Mortgage Loans to the Trustee, the enforceability of the Subsequent Transfer Agreement and to the effect that the transfer of such Subsequent Mortgage Loans will not adversely affect the status of any REMIC created hereunder as a REMIC or result in a material adverse tax consequence to any REMIC created hereunder or the Holders of Certificates, which matters may be covered in the opinions delivered on the Closing Date;

(vii)       The Aggregate Principal Balance of Subsequent Mortgage Loans does not exceed the Original Pre-Funded Amount; and

(viii)      On the last Subsequent Transfer Date, the Trustee shall have received an accountant’s letter confirming that the characteristics of the Mortgage Loans (including the Subsequent Mortgage Loans) satisfy the parameters set forth in Exhibit Q hereto.

(c)          The Seller and the Trustee shall comply with their respective obligations set forth in Sections 2.01, 2.02, and 2.04 with respect to the Subsequent Mortgage Loans delivered on each Subsequent Transfer Date.  References in such Sections to the Initial Mortgage Loans or Mortgage Loans shall be deemed to refer to the Subsequent Mortgage Loans and references to the Cut-Off Date or the Closing Date, as applicable, shall be deemed to refer to the applicable 

 

related Cut-Off Date or Subsequent Transfer Date, respectively, except that references to 360 days after the Closing Date shall remain unchanged as shall representations made with specific reference to the Initial Mortgage Loans including such representations made under Sections 2.04(iii), 2.04(vi), 2.04(xlvii) and 2.04(xlix).

Except as specifically provided in the immediately preceding sentence each Subsequent Mortgage Loan complies with each representation and warranty in Section 2.04(a) as of the related Cut-Off Date (or such other date specified).

	
             
  	
            Section 2.15
 	
            Conveyance of REMIC Regular Interests and Acceptance of REMIC 1, REMIC 2 and REMIC 3 by the Trustee; Issuance of Certificates.
 

(a)          The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey in trust to the Trustee without recourse all the right, title and interest of the Depositor in and to the assets described in the definition of REMIC 1 for the benefit of the holders of the REMIC 1 Regular Interests (which are uncertificated) and the Class R Certificates (in respect of the Class R-1 Interest). The Trustee acknowledges receipt of the assets described in the definition of REMIC 1 and declares that it holds and will hold the same in trust for the exclusive use and benefit of the holders of the REMIC 1 Regular Interests and the Class R Certificates (in respect of the Class R-1 Interest). The interests evidenced by the Class R-1 Interest, together with the REMIC 1 Regular
Interests, constitute the entire beneficial ownership interest in REMIC 1.

(b)          The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey in trust to the Trustee without recourse all the right, title and interest of the Depositor in and to the REMIC 1 Regular Interests for the benefit of the holders of the REMIC 2 Regular Interests (which are uncertificated) and the Class R Certificates (in respect of the Class R-2 Interest). The Trustee acknowledges receipt of the REMIC 1 Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of the holders of the REMIC 2 Regular Interests and the Class R Certificates (in respect of the Class R-2 Interest). The interests evidenced by the Class R-2 Interest, together with the REMIC 2 Regular Interests, constitute the entire beneficial
ownership interest in REMIC 2.

(c)          The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey in trust to the Trustee without recourse all the right, title and interest of the Depositor in and to the REMIC 2 Regular Interests (which are uncertificated) for the benefit of the Holders of the Regular Certificates and the Class R Certificates (in respect of the Class R-3 Interest). The Trustee acknowledges receipt of the REMIC 2 Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of the Holders of the Regular Certificates and the Class R Certificates (in respect of the Class R-3 Interest). The interests evidenced by the Class R-3 Interest, together with the Regular Certificates, constitute the entire beneficial ownership interest in REMIC 3.

Concurrently with (i) the assignment and delivery to the Trustee of REMIC 1 and the acceptance by the Trustee thereof, pursuant to Section 2.01, Section 2.02 and subsection (a) hereof, (ii) the assignment and delivery to the Trustee of REMIC 2 (including the Residual 

 

Interest therein represented by the Class R-2 Interest) and the acceptance by the Trustee thereof, pursuant to subsection (b) hereof and (iii) the assignment and delivery to the Trustee of REMIC 3 (including the Residual Interest therein represented by the Class R-3 Interest) and the acceptance by the Trustee thereof, pursuant to subsection (c) hereof, the Trustee, pursuant to the written request of the Depositor executed by an officer of the Depositor, has executed, authenticated and delivered to or upon the order of the Depositor, (A) the Class R Certificates in authorized denominations evidencing the Class R-1 Interest, the Class R-2 Interest and the Class R-3 Interest.

 

 

 

ARTICLE III

 

Administration and Servicing

of Mortgage Loans

	
             
  	
            Section 3.01
 	
            The Servicer.
 

(a)          It is intended that each REMIC created hereunder shall constitute, and that the affairs of Trust shall be conducted so as to qualify each REMIC created hereunder as, a “real estate mortgage investment conduit” (“REMIC”) as defined in and in accordance with the REMIC Provisions. In furtherance of such intentions, the Servicer covenants and agrees that it shall not knowingly or intentionally take any action or omit to take any action that would cause the termination of the REMIC status of any REMIC created hereunder.

(b)          The Servicer, as independent contract servicer, shall service and administer the Mortgage Loans and shall have full power and authority, acting alone, to do any and all things in connection with such servicing and administration which the Servicer may deem necessary or desirable and consistent with the terms of this Agreement. The Servicer may enter into Subservicing Agreements for any servicing and administration of Mortgage Loans with any institution which is in compliance with the laws of each state necessary to enable it to perform its obligations under such Subservicing Agreement and (1) (x) has been designated an approved Seller-Servicer by Freddie Mac or Fannie Mae for first and second mortgage loans, or (y) is an affiliate of the Servicer, or (2) is otherwise approved by the Certificate Insurer and the Class A
Certificateholders aggregating 51% of the Percentage Interests thereof. The Servicer shall give notice to the Certificate Insurer and the Trustee of the appointment of any Subservicer. Any such Subservicing Agreement shall be consistent with and not violate the provisions of this Agreement. The Servicer shall be entitled to terminate any Subservicing Agreement in accordance with the terms and conditions of such Subservicing Agreement and either itself directly service the related Mortgage Loans or enter into a Subservicing Agreement with a successor subservicer which qualifies hereunder.

(c)          Notwithstanding any Subservicing Agreement, any of the provisions of this Agreement relating to agreements or arrangements between the Servicer and Subservicer or reference to actions taken through a Subservicer or otherwise, the Servicer shall remain obligated and primarily liable for the servicing and administering of the Mortgage Loans in accordance with the provisions of this Agreement without diminution of such obligation or liability by virtue of such Subservicing Agreements or arrangements or by virtue of indemnification from the Subservicer and to the same extent and under the same terms and conditions as if the Servicer alone were servicing and administering the Mortgage Loans. For purposes of this Agreement, the Servicer shall be deemed to have received payments on Mortgage Loans when the Subservicer has
received such payments. The Servicer shall be entitled to enter into any agreement with a Subservicer for indemnification of the Servicer by such Subservicer, and nothing contained in this Agreement shall be deemed to limit or modify such indemnification.

(d)          Any Subservicing Agreement that may be entered into and any transactions or services relating to the Mortgage Loans involving a Subservicer in its capacity as such and not as an originator shall be deemed to be between the Subservicer and the Servicer alone, and the 

 

Trustee and Certificateholders shall not be deemed parties thereto and shall have no claims, rights, obligations, duties or liabilities with respect to the Subservicer except as set forth in Section 3.01(e). The Servicer shall be solely liable for all fees owed by it to any Subservicer irrespective of whether the Servicer’s compensation pursuant to this Agreement is sufficient to pay such fees.

(e)          In the event the Servicer shall for any reason no longer be the Servicer (including by reason of an Event of Default), the Trustee or its designee approved by the Certificate Insurer shall thereupon assume all of the rights and obligations of the Servicer under each Subservicing Agreement that the Servicer may have entered into, unless the Trustee or designee approved by the Certificate Insurer elects to terminate any Subservicing Agreement. Any fee payable in connection with such a termination will be payable by the outgoing Servicer. If the Trustee does not terminate a Subservicing Agreement, the Trustee, its designee or the successor servicer for the Trustee shall be deemed to have assumed all of the Servicer’s interest therein and to have replaced the Servicer as a party to each Subservicing Agreement to the
same extent as if the Subservicing Agreements had been assigned to the assuming party, except that the Servicer shall not thereby be relieved of any liability or obligations under the Subservicing Agreements with regard to events that occurred prior to the date the Servicer ceased to be the Servicer hereunder. The Servicer at its expense and without right of reimbursement therefor, shall, upon request of the Trustee, deliver to the assuming party all documents and records relating to each Subservicing Agreement and the Mortgage Loans then being serviced and an accounting of amounts collected and held by it and otherwise use its best efforts to effect the orderly and efficient transfer of the Subservicing Agreements to the assuming party.

(f)           Consistent with the terms of this Agreement, the Servicer may waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor if in the Servicer’s determination such waiver, modification, postponement or indulgence is not materially adverse to the interests of the Certificateholders and the Certificate Insurer; provided, however, that (unless (x) the Mortgagor is in default with respect to the Mortgage Loan, or such default is, in the judgment of the Servicer, imminent, and (y) with respect to any modification lowering the Loan Rate or effecting the forgiveness of any amount owed under the Mortgage Note, or extending the final maturity date on such Mortgage Loan, the Certificate Insurer
has consented to such modification, and (z) such waiver, modification, postponement or indulgence would not cause any REMIC created hereunder to be disqualified or otherwise cause a tax to be imposed on any REMIC created hereunder) the Servicer may not permit any modification with respect to any Mortgage Loan that would change the Loan Rate, defer or forgive the payment of any principal or interest (unless in connection with the liquidation of the related Mortgage Loan) or extend the final maturity date on the Mortgage Loan. No costs incurred by the Servicer or any Subservicer in respect of Servicing Advances shall for the purposes of distributions to Certificateholders be added to the amount owing under the related Mortgage Loan. Without limiting the generality of the foregoing, the Servicer shall continue, and is hereby authorized and empowered to execute and deliver on behalf of the Trustee and each Certificateholder, all instruments of satisfaction or cancellation, or of partial
or full release, discharge and all other comparable instruments, with respect to the Mortgage Loans and with respect to the Mortgaged Properties. If reasonably required by the Servicer, the Trustee shall furnish the Servicer with any powers of attorney and 

 

other documents necessary or appropriate to enable the Servicer to carry out its servicing and administrative duties under this Agreement.

Notwithstanding anything to the contrary contained herein, the Servicer, in servicing and administering the Mortgage Loans, shall employ or cause to be employed procedures (including collection, foreclosure and REO Property management procedures) and exercise the same care that it customarily employs and exercises in servicing and administering mortgage loans for its own account, in accordance with accepted second mortgage servicing practices of prudent lending institutions and giving due consideration to the Certificate Insurer’s and the Certificateholders reliance on the Servicer.

(g)          On and after such time as the Trustee receives the resignation of, or notice of the removal of, the Servicer from its rights and obligations under this Agreement, and with respect to resignation pursuant to Section 7.04, after receipt by the Trustee and the Certificate Insurer of the Opinion of Counsel required pursuant to Section 7.04, the Trustee or its designee approved by the Certificate Insurer shall assume all of the rights and obligations of the Servicer, subject to Section 8.02 hereof. The Servicer shall, upon request of the Trustee but at the expense of the Servicer, deliver to the Trustee all documents and records relating to the Mortgage Loans and an accounting of amounts collected and held by the Servicer and otherwise use its best efforts to effect the orderly and efficient transfer of servicing rights and
obligations to the assuming party.

(h)          The Servicer shall deliver a list of Servicing Officers to the Trustee and the Certificate Insurer by the Closing Date.

(i)           Consistent with the terms of this Agreement, the Servicer may consent to the placing of a lien senior to that of the Mortgage on the related Mortgaged Property; provided, that such senior lien secures a mortgage loan that refinances a First Lien and the combined loan-to-value ratio of the related Mortgage Loan immediately following the refinancing (based on the outstanding principal balance of the Mortgage Loan and the original principal balance of such refinanced mortgage loan) is not greater than the Combined Loan-to-Value Ratio of such Mortgage Loan as of the Cut-Off Date.

	
             
  	
            Section 3.02
 	
            Collection of Certain Mortgage Loan Payments.
 

(a)          The Servicer shall make reasonable efforts to collect all payments called for under the terms and provisions of the Mortgage Loans, and shall, to the extent such procedures shall be consistent with this Agreement, follow such collection procedures as it follows with respect to mortgage loans in its servicing portfolio which are comparable to the Mortgage Loans. Consistent with the foregoing, and without limiting the generality of the foregoing, the Servicer may in its discretion (i) waive any late payment charge or any assumption fees or other fees which may be collected in the ordinary course of servicing such Mortgage Loan, and (ii) arrange with a Mortgagor a schedule for the payment of interest due and unpaid; provided such arrangement is consistent with the Servicer’s policies with respect to the
mortgage loans it owns or services; provided, further, that notwithstanding such arrangement such Mortgage Loans will be included in the monthly information delivered by the Servicer to the Trustee pursuant to Section 5.05.

 

 

(b)          The Servicer shall establish and maintain for the benefit of the Certificateholders with Deutsche Bank National Trust Company a separate trust account (the “Collection Account”) titled “Deutsche Bank National Trust Company, as Trustee, in trust for the registered holders of Home Equity Loan Asset Backed Certificates, Series 2005-1.”  The Collection Account shall be an Eligible Account. The Servicer shall on the Closing Date and on each Subsequent Transfer Date deposit any amounts representing payments on and any collections in respect of the Mortgage Loans received after the related Cut-Off Date and prior to the Closing Date or Subsequent Transfer Date, as applicable, and thereafter shall use its best efforts to deposit within one Business Day, and shall in any event deposit within two Business Days
following receipt thereof the following payments and collections received or made by it (without duplication):

(i)           all payments received after the Cut-Off Date on account of principal on the Mortgage Loans and all Principal Prepayments and Curtailments collected after the Cut-Off Date;

(ii)          all payments received after the Cut-Off Date on account of interest on the Mortgage Loans (exclusive of payments in respect of interest on the Initial Mortgage Loans which has accrued through the related Due Date in October 2005 and on the Subsequent Mortgage Loans which has accrued through the related Due Date in the month preceding the Subsequent Transfer Date).

	
             
  	
            (iii)
 	
            all Net Liquidation Proceeds net of Foreclosure Profits;
 
	
             
  	
            (iv)
 	
            all Insurance Proceeds;
 	
             

	
             
  	
            (v)
 	
            all Released Mortgaged Property Proceeds;
 	
             

					

(vi)         any amounts payable in connection with the repurchase of any Mortgage Loan and the amount of any Substitution Adjustment pursuant to Sections 2.02, 2.04, 2.06 and 3.17; and

(vii)       any amount required to be deposited in the Collection Account pursuant to Section 3.05, 3.07, 3.16, 5.04 or 5.08;

provided, however, with respect to each Due Period, the Servicer shall be permitted to retain, from payments in respect of interest on the Mortgage Loans, the Servicing Fee for such Due Period. The foregoing requirements respecting deposits to the Collection Account are exclusive, it being understood that, without limiting the generality of the foregoing, the Servicer need not deposit into the Collection Account amounts representing Foreclosure Profits, fees (including annual fees) or late charge penalties or prepayment penalties payable by Mortgagors, or amounts received by the Servicer for the accounts of Mortgagors for application towards the payment of taxes, insurance premiums, assessments and similar items.

	
             
  	
            (c)
 	
            [Reserved].
 

(d)          The Servicer may cause the institution maintaining the Collection Account to invest any funds in the Collection Account in Eligible Investments (including obligations of the 

 

Servicer or any of its Affiliates, if such obligations otherwise qualify as Eligible Investments) pursuant to Section 5.08.

	
             
  	
            Section 3.03
 	
            Withdrawals from the Collection Account.
 

The Trustee shall withdraw or cause to be withdrawn funds from the Collection Account for the following purposes:

(i)           on the Business Day prior to each Distribution Date, to deposit the portion of the Available Funds then in the Collection Account to the Distribution Account;

(ii)          to reimburse the Servicer for any accrued and unpaid Servicing Fees and for unreimbursed Monthly Advances and Servicing Advances. The Servicer’s right to reimbursement for unpaid Servicing Fees and unreimbursed Servicing Advances shall be limited to late collections on the related Mortgage Loan, including Liquidation Proceeds, Released Mortgaged Property Proceeds, Insurance Proceeds and such other amounts as may be collected by the Servicer from the related Mortgagor or otherwise relating to the Mortgage Loan in respect of which such reimbursed amounts are owed.  The Servicer’s right to reimbursement for unreimbursed Monthly Advances shall be limited to late collections of interest on any Mortgage Loan and to Liquidation Proceeds, Released Mortgaged
Property Proceeds and Insurance Proceeds on related Mortgage Loans;

(iii)        to withdraw any amount received from a Mortgagor that is recoverable and sought to be recovered as a voidable preference by a trustee in bankruptcy pursuant to the United States Bankruptcy Code in accordance with a final, nonappealable order of a court having competent jurisdiction;

(iv)         (a) to make investments in Eligible Investments, and (b) subject to Section 5.08(e), to pay to the Spread Account or the Servicer, as the case may be, interest earned in respect of Eligible Investments or on funds deposited in the Collection Account;

(v)          to withdraw any funds deposited in the Collection Account that were not required to be deposited therein (such as Servicing Compensation) or were deposited therein in error and to pay such funds to the appropriate Person;

(vi)         to pay the Servicer Servicing Compensation pursuant to Section 3.09 hereof to the extent not retained or paid pursuant to Section 3.02(b);

(vii)       to withdraw funds necessary for the conservation and disposition of REO Property pursuant to Section 3.07;

(viii)      to reimburse the Servicer for (a) Nonrecoverable Advances that are not, with respect to aggregate Servicing Advances on any single Mortgage Loan or REO Property, in excess of the Principal Balance thereof, and (b) expenses incurred pursuant to Section 7.03;

(ix)         to pay on the first Distribution Date to the Seller collections received in respect of accrued interest on the Initial Mortgage Loans through the related Due Date in 

 

November 2005 and to pay on the Distribution Date following a Subsequent Transfer Date to the Seller collections received in respect of accrued interest on the Subsequent Mortgage Loans through the related Due Date in the month preceding the Subsequent Transfer Date; 

(x)          to clear and terminate the Collection Account upon the termination of this Agreement and to pay any amounts remaining therein to the Class C Certificateholders; and

(xi)         to pay itself from payments in respect of interest on the Mortgage Loans, the Trustee Fee for such Due Period.

	
             
  	
            Section 3.04
 	
            Maintenance of Hazard Insurance; Property Protection Expenses.
 

The Servicer shall cause to be maintained for each Mortgage Loan fire and hazard insurance naming the Servicer as loss payee thereunder providing extended coverage in an amount which is at least equal to the lesser of (i) the maximum insurable value of the improvements securing such Mortgage Loan from time to time, (ii) the combined principal balance owing on such Mortgage Loan and any mortgage loan senior to such Mortgage Loan, and (iii) the minimum amount required to compensate for damage or loss on a replacement cost basis. The Servicer shall also maintain on property acquired upon foreclosure, or by deed in lieu of foreclosure, hazard insurance with extended coverage in an amount which is at least equal to the lesser of (i) the maximum insurable value from time to time of the improvements which are a part of such property, (ii) the combined principal balance owing on such Mortgage
Loan and any mortgage loan senior to such Mortgage Loan, and (iii) the minimum amount required to compensate for damage or loss on a replacement cost basis at the time of such foreclosure, fire and/or deed in lieu of foreclosure plus accrued interest and the good-faith estimate of the Servicer of related Servicing Advances to be incurred in connection therewith. Amounts collected by the Servicer under any such policies shall be deposited in the Collection Account to the extent called for by Section 3.02. In cases in which any Mortgaged Property is located in a federally designated flood area, the hazard insurance to be maintained for the related Mortgage Loan shall include flood insurance to the extent such flood insurance is available and the Servicer has determined such insurance to be necessary in accordance with accepted second mortgage loan servicing standards. All such flood insurance shall be in amounts equal to the least of the amount in clause (i) above, clause (ii) above and
the maximum amount of insurance available under the National Flood Insurance Act of 1994, as amended. The Servicer shall be under no obligation to require that any Mortgagor maintain earthquake or other additional insurance and shall be under no obligation itself to maintain any such additional insurance on property acquired in respect of a Mortgage Loan, other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance.

	
             
  	
            Section 3.05
 	
            Maintenance of Mortgage Impairment Insurance Policy.  
 

In the event that the Servicer shall obtain and maintain a blanket policy with an insurer either (A) having a General Policy rating of A:VIII or better in Best’s Key Rating Guide, or (B) approved by the Certificate Insurer, such approval not to be unreasonably withheld, insuring against fire and hazards of extended coverage on all of the Mortgage Loans, then, to the extent 

 

such policy names the Servicer as loss payee and provides coverage in an amount equal to the aggregate unpaid principal balance on the Mortgage Loans without co-insurance, and otherwise complies with the requirements of Section 3.04, the Servicer shall be deemed conclusively to have satisfied its obligations with respect to fire and hazard insurance coverage under Section 3.04, it being understood and agreed that such blanket policy may contain a deductible clause, in which case the Servicer shall, in the event that there shall not have been maintained on the related Mortgaged Property a policy complying with Section 3.04, and there shall have been a loss which would have been covered by such policy, deposit into the Collection Account the difference, if any, between the amount that would have been payable under a policy complying with Section 3.04 and the amount paid under such blanket policy. Upon the
request of the Certificate Insurer, the Trustee or any Certificateholder, the Servicer shall cause to be delivered to the Trustee or such Certificateholder, as the case may be, a certified true copy of such policy. In connection with its activities as administrator and servicer of the Mortgage Loans, the Servicer agrees to prepare and present, on behalf of itself, the Trustee, the Certificate Insurer and Certificateholders, claims under any such policy in a timely fashion in accordance with the terms of such policy.

	
             
  	
            Section 3.06
 	
            Fidelity Bond.
 

The Servicer shall maintain with a responsible company, and at its own expense, a blanket fidelity bond and an errors and omissions insurance policy, in a minimum amount acceptable to Fannie Mae or Freddie Mac or otherwise in an amount as is commercially available at a cost that is not generally regarded as excessive by industry standards, with broad coverage on all officers, employees or other persons acting in any capacity requiring such persons to handle funds, money, documents or papers relating to the Mortgage Loans (“Servicer Employees”). Any such fidelity bond and errors and omissions insurance shall protect and insure the Servicer against losses, including losses resulting from forgery, theft, embezzlement, fraud, errors and omissions and negligent acts of such Servicer Employees. Such fidelity bond shall also protect and insure the Servicer against losses in connection
with the release or satisfaction of a Mortgage Loan without having obtained payment in full of the indebtedness secured thereby. No provision of this Section 3.06 requiring such fidelity bond and errors and omissions insurance shall diminish or relieve the Servicer from its duties and obligations as set forth in this Agreement. Upon the request of the Trustee, the Certificate Insurer or any Certificateholder, the Servicer shall cause to be delivered to the Trustee, such Certificateholder or the Certificate Insurer a certified true copy of such fidelity bond and insurance policy. On the Closing Date, such bond and insurance is maintained with certain underwriters at St. Paul Fire and Marine Insurance Company and Lloyds of London.

	
             
  	
            Section 3.07
 	
            Management and Realization Upon Defaulted Mortgage Loans.
 

The Servicer shall manage, conserve, protect and operate each REO Property for the Certificateholders and the Certificate Insurer solely for the purpose of its prudent and prompt disposition and sale. The Servicer shall, either itself or through an agent selected by the Servicer, manage, conserve, protect and operate the REO Property in the same manner that it manages, conserves, protects and operates other foreclosed property for its own account, and in the same manner that similar property in the same locality as the REO Property is managed. The Servicer shall attempt to sell the same (and may temporarily rent the same) on such terms and conditions 

 

as the Servicer deems to be in the best interest of the Certificate Insurer and the Certificateholders.

The Servicer shall cause to be deposited, no later than two Business Days after the receipt thereof, in the Collection Account, all revenues received with respect to the related REO Property and shall retain, or cause the Trustee to withdraw therefrom funds necessary for the proper operation, management and maintenance of the REO Property and the fees of any managing agent acting on behalf of the Servicer.

The disposition of REO Property shall be carried out by the Servicer for cash at such price, and upon such terms and conditions, as the Servicer deems to be in the best interest of the Certificateholders and the Certificate Insurer and, as soon as practicable thereafter, the expenses of such sale shall be paid. The cash proceeds of sale of the REO Property shall be promptly deposited in the Collection Account, net of Foreclosure Profits and of any related unreimbursed Servicing Advances, accrued and unpaid Servicing Fees and unreimbursed Monthly Advances payable to the Servicer in accordance with Section 3.03, for distribution to the Certificateholders in accordance with Section 5.01 hereof.

The Servicer shall foreclose upon or otherwise comparably convert to ownership Mortgaged Properties securing such of the Mortgage Loans as come into and continue in default when no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.02 subject to the provisions contained in the last paragraph of this Section 3.07.

In the event that title to any Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be issued to the Trustee, or to its nominee on behalf of Certificateholders and the Certificate Insurer.

In the event any Mortgaged Property is acquired as aforesaid or otherwise in connection with a default or imminent default on a Mortgage Loan, the Servicer shall (i) dispose of such Mortgaged Property within three years after its acquisition or such other period as is required or permitted by the REMIC Provisions, or (ii) prior to the expiration of any extension to such three-year grace period which is requested on behalf of the Trust by the Servicer (at the expense of the Trust) more than 60 days prior to the end of such three year grace period, and granted by the Internal Revenue Service, unless the Servicer shall have received an Opinion of Counsel to the effect that the holding of such Mortgaged Property subsequent to three years after its acquisition will not result in the imposition of taxes on “prohibited transactions” as defined in Section 860F of the Code, or cause any
REMIC created hereunder to fail to qualify as a REMIC at any time that any Class A Certificates are outstanding. Notwithstanding any other provision of this Agreement, (i) no Mortgaged Property acquired by the Servicer pursuant to this Section shall be rented (or allowed to continue to be rented) or otherwise used for the production of income by or on behalf of the Trust, and (ii) no construction shall take place on such Mortgaged Property in such a manner or pursuant to any terms, in either case, that would cause such Mortgaged Property to fail to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code or result in the receipt by the Trust of any “net income from foreclosure property” which is subject to taxation within the meaning of Sections 860G(c) and 857 (b) (4) (B) of the Code. If a period greater than three years is permitted under this Agreement and is necessary to provide sufficient time to sell any REO Property, the
Servicer shall give appropriate notice to the 

 

Trustee, the Certificate Insurer and the Certificateholders and shall report monthly to the Trustee as to the progress being made in attempting to sell such REO Property.

If the Servicer has actual knowledge that a Mortgaged Property which the Servicer is contemplating acquiring in foreclosure or by deed in lieu of foreclosure is located within a 1 mile radius of any site with environmental or hazardous waste risks known to the Servicer, the Servicer will notify the Certificate Insurer prior to acquiring such Mortgaged Property and shall not take any action in furtherance thereof without the prior written approval of the Certificate Insurer. Nothing in this Section shall affect the Servicer’s right to deem certain advances proposed to be made by the Servicer as Nonrecoverable Advances. For the purposes of this Section 3.07, actual knowledge of the Servicer means actual knowledge of a Responsible Officer of the Servicer involved in the servicing of the relevant Mortgage Loan. Actual knowledge of the Servicer does not include knowledge imputable by
virtue of the availability of or accessibility to information relating to environmental or hazardous waste sites or the locations thereof.

	
             
  	
            Section 3.08
 	
            Trustee to Cooperate.
 

Upon any Principal Prepayment in full, the Servicer is authorized to execute, pursuant to the authorization contained in Section 3.01(f), if the related Assignment of Mortgage has been recorded as required hereunder, an instrument of satisfaction regarding the related Mortgage, which instrument of satisfaction shall be recorded by the Servicer if required by applicable law and be delivered to the Person entitled thereto. It is understood and agreed that no expenses incurred in connection with such instrument of satisfaction or transfer shall be reimbursed from amounts deposited in the Collection Account. If the Trustee is holding the Mortgage Files, from time to time and as appropriate for the servicing or foreclosure of any Mortgage Loan, the Trustee shall, upon request by the Servicer and delivery to the Trustee of a Request for Release, in the form annexed hereto as Exhibit I, signed by a Servicing Officer, release the related Mortgage File to the Servicer, and the Trustee shall execute such documents, in the forms provided by the Servicer, as shall be necessary to the prosecution of any such proceedings or the taking of other servicing actions. Such Request for Release shall obligate the Servicer to return the Mortgage File to the Trustee when the need therefor by the Servicer no longer exists unless the Mortgage Loan shall be liquidated, in which case, upon receipt of a certificate of a Servicing Officer similar to that hereinabove specified, the Request for Release shall be released by the Trustee to the Servicer.

In order to facilitate the foreclosure of the Mortgage securing any Mortgage Loan that is in default following recordation of the related Assignment of Mortgage in accordance with the provisions hereof, the Trustee shall, if so requested in writing by the Servicer, execute an appropriate assignment in the form provided to the Trustee by the Servicer to assign such Mortgage Loan for the purpose of collection, to the Servicer (any such assignment shall unambiguously indicate that the assignment is for the purposes of collection only), and, upon such assignment, such assignee for collection will thereupon bring all required actions in its own name and otherwise enforce the terms of the Mortgage Loan and deposit or credit the Net Liquidation Proceeds, exclusive of Foreclosure Profits, received with respect thereto in the Collection Account. In the event that all delinquent payments due under
any such Mortgage Loan are paid by the Mortgagor and any other defaults are cured, then the assignee for collection 

 

shall promptly reassign such Mortgage Loan to the Trustee and return it to the place where the related Mortgage File was previously being maintained.

	
             
  	
            Section 3.09
 	
            Servicing Compensation; Payment of Certain Expenses by Servicer.
 

Subject to Section 5.04, the Servicer shall be entitled to retain the Servicing Fee in accordance with Section 3.02 as compensation for its services in connection with servicing the Mortgage Loans; provided, however, that the Servicer shall not retain or receive a Servicing Fee with respect to accrued interest included as part of the Purchase Price of a Mortgage Loan if such accrued interest was computed at the Net Loan Rate. Moreover, additional servicing compensation in the form of late payment charges or other receipts not required to be deposited in the Collection Account, including, without limitation, Foreclosure Profits, and, subject to Section 5.08, investment income on the Accounts (other than the Spread Account) shall be retained by the Servicer. Any additional servicing compensation
in the form of prepayment penalties shall be paid to the Seller.  The Servicer shall be required to pay all expenses incurred by it in connection with its activities hereunder (including payment of all other fees and expenses not expressly stated hereunder to be for the account of the Trust or the Certificateholders) and shall not be entitled to reimbursement therefor except as specifically provided herein.

	
             
  	
            Section 3.10
 	
            Annual Statement as to Compliance.
 

(a)          The Servicer shall deliver to the Trustee, the Certificate Insurer and the Rating Agencies, on or before March 15th of each applicable year, beginning in 2006 (and covering the fiscal year ending in 2005), an Officer’s Certificate stating that (i) the Servicer has fully complied with the provisions of Articles III and V herein, if applicable, (ii) a review of the activities of the Servicer during the preceding fiscal year (or such shorter period as is applicable in the case of the first report) and of its performance under this Agreement has been made under such officer’s supervision, and (iii) to the best of such officer’s knowledge, based on such review, the Servicer has fulfilled all its material obligations under this Agreement throughout such fiscal year, or, if there has been a default
in the fulfillment of any such obligation, specifying each such default known to such officer and the nature and status thereof. The Servicer shall promptly notify the Certificate Insurer, the Depositor, the Trustee, Standard & Poor’s and Moody’s upon any change in the basis on which its fiscal year is determined.

(b)          The Servicer shall deliver to the Trustee, the Certificate Insurer, the Depositor and each of the Rating Agencies, promptly after having obtained knowledge thereof, but in no event later than five Business Days thereafter, written notice by means of an Officer’s Certificate of any event which with the giving of notice or the lapse of time or both, would become an Event of Default.

	
             
  	
            Section 3.11
 	
            Annual Servicing Report.
 

Not later than March 15th of each applicable year, beginning in 2006 (and covering the fiscal year ending in 2005), the Servicer, at its expense, shall cause a firm of independent public accountants reasonably acceptable to the Trustee and the Certificate Insurer to furnish a letter or letters to the Certificate Insurer, the Trustee, Standard & Poor’s and Moody’s to the effect that such firm has, with respect to the Servicer’s overall servicing operations, examined such 

 

operations in accordance with the requirements of the Uniform Single Attestation Program for Mortgage Bankers, and stating such firm’s conclusions relating thereto.

Section 3.12      Access to Certain Documentation and Information Regarding the Mortgage Loans.

The Servicer shall provide to the Trustee, the Certificate Insurer, Certificateholders which are federally insured savings and loan associations, the Office of Thrift Supervision, the FDIC and the supervisory agents and examiners of the Office of Thrift Supervision access to the documentation regarding the Mortgage Loans required by applicable regulations of the Office of Thrift Supervision and the FDIC (acting as operator of the SAIF or the BIF), such access being afforded without charge, but only upon reasonable request, and during normal business hours at the Offices of the Servicer. Nothing in this Section 3.12 shall derogate from the obligation of the Servicer to observe any applicable law prohibiting disclosure of information regarding the Mortgagors and the failure of the Servicer to provide access as provided in this Section 3.12 as a result of such obligation shall not
constitute a breach of this Section 3.12.

	
             
  	
            Section 3.13
 	
            [Reserved].
 	
             

	
             
  	
            Section 3.14
 	
            Reports to the Securities and Exchange Commission.
 

(a)          The Trustee shall reasonably cooperate with the Servicer in connection with the Trust’s satisfying the reporting requirements under the Securities Exchange Act of 1934, as amended (the “Exchange Act”).  The Trustee shall prepare on behalf of the Trust any Forms 8-K and 10-K customary for similar securities as required by the Exchange Act and the Rules and Regulations of the Securities and Exchange Commission (the “Commission”) thereunder, and the Depositor shall sign (or shall cause another entity acceptable to the Commission to sign) and the Trustee shall file (via the Commission’s Electronic Data Gathering and Retrieval System) such forms on behalf of the Depositor (or such other entity).  The Depositor hereby grants to the Trustee and the Servicer a limited power of attorney to execute
any Form 8-K and file each such document on behalf of the Depositor, but only to the extent no accompanying certification is required to be filed on behalf of the Depositor.  Such power of attorney shall continue until the earlier of (i) receipt by the Trustee or the Servicer from the Depositor of written termination of such power of attorney and (ii) the termination of the Trust.  Notwithstanding anything herein to the contrary, the Servicer, and not the Trustee, shall be responsible for executing each Form 10-K filed on behalf of the Trust.  The Depositor shall provide the Trustee with a letter at closing, substantially in the form attached hereto as Exhibit M, instructing the Trustee, as filing agent, to comply with the reporting obligations provided in this Agreement for the Trust under the Exchange Act.

(b)          Each Form 8-K shall be filed by the Trustee within 15 days after each Distribution Date, with a copy of the statement to the Certificateholders for such Distribution Date as an exhibit thereto.  Prior to March 31st of each year (or such earlier date as may be required by the Exchange Act and the Rules and Regulations of the Commission), until the year after the year in which a Form 15 Suspension Notification is filed under Section 3.14(e), the Trustee shall file a Form 10-K, in substance as required by applicable law or applicable Commission staff’s interpretations.  Such Form 10-K shall include as exhibits the Servicer’s annual statement of 

 

compliance described under Section 3.10 and the accountant’s report described under Section 3.11, in each case to the extent that they have been timely delivered to the Trustee and upon which the Trustee may conclusively rely.  If they are not so timely delivered, the Trustee shall file an amended Form 10-K including such documents as exhibits reasonably promptly after they are delivered to the Trustee.  The Trustee shall have no liability with respect to any failure to properly prepare or file such periodic reports resulting from or relating to the Trustee’s inability or failure to obtain any information not resulting from its own negligence or willful misconduct.  The Form 10-K shall also include a certification in the form attached hereto as Exhibit N (the “Certification”), which shall be signed by the senior officer of the Servicer in charge of servicing.

(c)          In addition, the Trustee shall sign a certification (in the form attached hereto as Exhibit O) for the benefit of the Servicer and its officers, directors and Affiliates regarding certain aspects of items 1 through 3 of the Certification (provided, however, that the Trustee shall not undertake an analysis of the accountant’s report attached as an exhibit to the Form 10-K).  The Trustee’s certification shall be delivered to the Servicer by no later than March 18th of each year (or if such day is not a Business Day, the immediately preceding Business Day) and the Servicer shall deliver the Certification to the Trustee for filing no later than March 20th of each year (or if such day is not a Business Day, the immediately preceding Business Day).

In addition, the Trustee shall indemnify and hold harmless the Servicer and its officers, directors and Affiliates from and against any losses, damages, penalties, fines, forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and expenses arising out of or based upon a breach of the Trustee’s obligations under this Section 3.14 or the Trustee’s negligence, bad faith or willful misconduct in connection therewith.  If the indemnification provided for herein is unavailable or insufficient to hold harmless the Servicer, then the Trustee, in connection with a breach of the Trustee’s obligations under this Section 3.14 or the Trustee’s negligence, bad faith or willful misconduct in connection therewith, agrees that it shall contribute to the amount paid or payable by the Servicer as a result of the losses, claims, damages or liabilities
of the Servicer in such proportion as is appropriate to reflect the relative fault of the Servicer on the one hand and the Trustee on the other.

If the indemnification provided for in this Agreement is unavailable or insufficient to hold harmless the Trustee, then the Servicer, in connection with a breach of the Servicer’s obligations under this Section 3.14 or the Servicer’s negligence, bad faith or willful misconduct in connection therewith, agrees that it shall contribute to the amount paid or payable by the Trustee as a result of the losses, claims, damages or liabilities of the Trustee in such proportion as is appropriate to reflect the relative fault of the Trustee on the one hand and the Servicer on the other.

(d)          Upon any filing with the Commission, the Trustee shall promptly deliver to the Servicer a copy of any executed report, statement or information.

(e)          Prior to January 30th of the first year in which the Trustee is able to do so under applicable law, the Trustee shall file a Form 15 Suspension Notification with respect to the Trust. 

 

 

(f)           To the extent that, following the Closing Date, the content of Forms 8-K, 10-K or other Forms required by the Exchange Act and the Rules and Regulations of the Commission and the time by which such Forms are required to be filed, differs from the provisions of this Section 3.14, the provisions of this Section 3.14 shall be deemed amended to conform to such new requirements, and the Trustee and the Depositor hereby agree that each shall reasonably cooperate to amend the provisions of this Section 3.14 (in accordance with Section 11.01) in order to comply with such amended reporting requirements and such amendment of this Section 3.14.  Any such amendment may result in the reduction of the reports filed by the Servicer under the Exchange Act.  Notwithstanding the foregoing, the Trustee shall not be obligated to
enter into any amendment pursuant to this Section that adversely affects its obligations and immunities under this Agreement.

Section 3.15      Reports of Foreclosures and Abandonments of Mortgaged Property; Returns Relating to Mortgage Interest Received from Individuals and Returns Relating to Cancellation of Indebtedness.

The Servicer shall make reports of foreclosures and abandonments of any Mortgaged Property for each year beginning in 2005. The Servicer shall file reports relating to each instance occurring during the previous calendar year in which the Servicer (i) on behalf of the Trustee acquires an interest in any Mortgaged Property through foreclosure or other comparable conversion in full or partial satisfaction of a Mortgage Loan, or (ii) knows or has reason to know that any Mortgaged Property has been abandoned. The reports from the Servicer shall be in form and substance sufficient to meet the reporting requirements imposed by Sections 6050J, 6050H and 6050P of the Code.

	
             
  	
            Section 3.16
 	
            Advances by the Servicer.
 

(a)          Not later than the close of business on each Determination Date, the Servicer shall remit to the Trustee for deposit into the Collection Account an amount (as indicated in the Trustee’s Remittance report prepared pursuant to Section 5.05), to be distributed on the related Distribution Date pursuant to Section 5.01, equal to the sum of (a) 30 days of interest accrued on the Principal Balance of each Mortgage Loan as to which no payment was received as of the close of business on the last day of the related Due Period (net of the Servicing Fee), and (b) with respect to each REO Property that was acquired during or prior to the related Due Period, and as to which an REO Property disposition did not occur during the related Due Period, an amount equal to the excess, if any, of interest on the Principal Balance of such
REO Property at the Net Loan Rate for the most recently ended Due Period prior to the related Determination Date for the related Mortgage Loan over the net income from the REO Property transferred to the Collection Account for such Distribution Date pursuant to Section 3.07; such sum being defined herein as the “Monthly Advance.”

(b)          Notwithstanding anything herein to the contrary, no Servicing Advance or Monthly Advance shall be required to be made hereunder if the Servicer determines that such Servicing Advance or Monthly Advance would, if made, constitute a Nonrecoverable Advance.

 

 

	
             
  	
            Section 3.17
 	
            [Reserved].  
 	
             

	
             
  	
            Section 3.18
 	
            Superior Liens.
 

The Servicer shall file (or cause to be filed) of record a request for notice of any action by a superior lienholder under a First Lien for the protection of the Trustee’s interest, where permitted by local law and whenever applicable state law does not require that a junior lienholder be named as a party defendant in foreclosure proceedings in order to foreclose such junior lienholder’s equity of redemption.

If the Servicer is notified that any superior lienholder has accelerated or intends to accelerate the obligations secured by the First Lien, or has declared or intends to declare a default under the mortgage or the promissory note secured thereby, or has filed or intends to file an election to have the Mortgaged Property sold or foreclosed, the Servicer shall take, on behalf of the Trust, whatever actions are necessary to protect the interests of the Certificateholders and the Certificate Insurer, and/or to preserve the security of the related Mortgage Loan, subject to the application of the REMIC Provisions in accordance with the terms of this Agreement. The Servicer shall immediately notify the Trustee and the Certificate Insurer of any such action or circumstances. The Servicer shall advance the necessary funds to cure the default or reinstate the superior lien, if such advance is in
the best interests of the Certificate Insurer and the Certificateholders which the Servicer may establish by seeking approval from the Certificate Insurer as evidenced by written instruction from the Certificate Insurer. Any action or inaction on the part of the Servicer in accordance with such written instructions shall be deemed to be in the best interests of the Certificate Insurer and the Certificateholders. If no written response is received within five (5) Business Days of receipt by the Certificate Insurer of such request for approval, the Servicer may advance or not advance in accordance with the second preceding sentence, without liability to the Certificateholders or the Certificate Insurer. The Servicer shall not make such an advance except to the extent that it determines in its reasonable good faith judgment that the advance would be recoverable from Liquidation Proceeds on the related Mortgage Loan and in no event in an amount that is greater than the Principal Balance
of the related Mortgage Loan, except with the consent of the Certificate Insurer, which consent shall not be unreasonably withheld. The Servicer shall thereafter take such action as is necessary to recover the amount so advanced.

	
             
  	
            Section 3.19
 	
            Assumption Agreements.
 

When a Mortgaged Property has been or is about to be conveyed by a Mortgagor, the Servicer shall, to the extent it has knowledge of such conveyance or prospective conveyance, exercise its rights to accelerate the maturity of the related Mortgage Loan under any “due-on-sale” clause contained in the related Mortgage or Mortgage Note; provided, however, that the Servicer shall not exercise any such right if (i) the “due-on-sale” clause, in the reasonable belief of the Servicer, is not enforceable under applicable law, or (ii) the Servicer, in a manner consistent with reasonable commercial practice, permits the purchaser of the related Mortgaged Property to assume the Mortgage Loan. In such event, the Servicer shall enter into an assumption and modification agreement with the
person to whom such property has been or is about to be conveyed, pursuant to which such person becomes liable under the Mortgage Note and, unless prohibited by applicable law, the Mortgagor remains liable thereon. The Servicer is also 

 

authorized, with the prior approval of the Certificate Insurer, to enter into a substitution of liability agreement with such person and such person will be substituted as mortgagor and become liable under the Mortgage Note; provided, however, that the Servicer shall have no liability under this Section 3.19 if the Certificate Insurer fails to respond to notice by the Servicer of a proposed substitution within two (2) Business Days of receipt thereof by the Certificate Insurer; provided, that the Servicer acts in accordance with the servicing standards set forth in this Agreement. The Servicer shall notify the Trustee and the Certificate Insurer that any such substitution or assumption agreement has been completed by forwarding to the Trustee the original of such
substitution or assumption agreement and a duplicate thereof to the Certificate Insurer, which original shall be added by the Trustee to the related Mortgage File and shall, for all purposes, be considered a part of such Mortgage File to the same extent as all other documents and instruments constituting a part thereof. In connection with any assumption or substitution agreement entered into pursuant to this Section 3.19, the Servicer shall not change the Loan Rate or the Monthly Payment, defer or forgive the payment of principal or interest, reduce the outstanding principal amount or extend the final maturity date on such Mortgage Loan.

Notwithstanding the foregoing paragraph or any other provision of this Agreement, the Servicer shall not be deemed to be in default, breach of, or in any other violation of its obligations hereunder by reason of any assumption of a Mortgage Loan by operation of law or any assumption which the Servicer may be restricted by law from preventing, for any reason whatsoever.

	
             
  	
            Section 3.20
 	
            Payment of Taxes, Insurance and Other Charges.
 

With respect to each Mortgage Loan, the Servicer shall maintain accurate records reflecting fire and hazard insurance coverage.

With respect to each Mortgage Loan as to which the Servicer maintains escrow accounts, the Servicer shall maintain accurate records reflecting the status of ground rents, taxes, assessments, water rates and other charges which are or may become a lien upon the Mortgaged Property and the status of primary mortgage guaranty insurance premiums, if any, and fire and hazard insurance coverage and shall obtain, from time to time, all bills for the payment of such charges (including renewal premiums) and shall effect payment thereof prior to the applicable penalty or termination date and at a time appropriate for securing maximum discounts allowable, employing for such purpose deposits of the Mortgagor in any escrow account which shall have been estimated and accumulated by the Servicer in amounts sufficient for such purposes, as allowed under the terms of the Mortgage. To the extent that a
Mortgage does not provide for escrow payments, the Servicer shall, if it has received notice of a default or deficiency, monitor such payments to determine if they are made by the Mortgagor.

 

 

ARTICLE IV

 

Spread Account, Certificate Insurance Policy, Basis Risk Reserve Fund, Pre-Funding Account and Interest Coverage Account

Section 4.01      Establishment of Spread Account; Deposits in Spread Account; Permitted Withdrawals from Spread Account.

(a)          No later than the Closing Date, the Trustee shall establish and maintain for the benefit of the Certificateholders and the Certificate Insurer an Eligible Account titled “Spread Account, Deutsche Bank National Trust Company, as trustee for the registered holders of Home Equity Loan Asset-Backed Certificates, Series 2005-1.”  The Spread Account shall be treated as an “outside reserve fund” under Treasury Regulation Section 1.8606-2(h) and will not be part of any REMIC created hereunder.  The Spread Account (including any investment earnings thereon) shall be treated as owned by the Class C Certificateholders and contributions from REMIC 3 to the Spread Account shall be treated as amounts distributed by REMIC 3 to the Class C Certificateholders and shall be taxable to such Holders.  Except as set
forth in clause (c) of this Section 4.01, the Trustee shall, promptly upon receipt, deposit into the Spread Account and retain therein:

(i)           on the Closing Date, 0.50% of the aggregate Principal Balance of the Initial Mortgage Loans as of the Cut-Off Date and the Original Pre-Funded Amount;

(ii)          on each Distribution Date, the Monthly Excess Spread Amount transferred by the Trustee pursuant to Section 5.01(a)(vi); and 

(iii)        upon receipt, amounts required to be deposited or to be paid by the Servicer pursuant to Section 5.08(e) and (f) in connection with losses and gains on investments of amounts in the Spread Account.

(b)          Amounts on deposit in the Spread Account shall be withdrawn on each Distribution Date by the Trustee in the following order of priority:

(i)           to deposit into the Distribution Account an amount equal to the excess of (x) the sum of the maximum amount to be distributed pursuant to Section 5.01(a)(i)-(iii) for such Distribution Date, over (y) the Available Funds for such Distribution Date (other than any amounts with respect to Insured Amounts and deposits from the Spread Account);

(ii)          to the extent that the amount then on deposit in the Spread Account exceeds the aggregate Base Spread Account Requirement as of such Distribution Date (such excess, a “Spread Account Excess”), an amount equal to such Spread Account Excess shall be paid to the Servicer and/or the Seller to the extent of any Reimbursable Amounts not previously reimbursed and the remainder to the Class C Certificateholders;

and also, in no particular order of priority:

 

 

(iii)        to invest amounts on deposit in the Spread Account in Eligible Investments that are scheduled to mature on or prior to the Business Day preceding the next Distribution Date, pursuant to Section 5.08(f), or such other investments which may have maturities extending beyond such date, as approved, from time to time, by the Rating Agencies and the Certificate Insurer;

(iv)         to withdraw any amount not required to be deposited in the Spread Account or deposited therein in error; 

	
             
  	
            (v)
 	
            [reserved]; and
 

(vi)         to clear and terminate the Spread Account upon the termination of this Agreement and, upon such termination, to pay the balance, if any, to the Class C Certificateholders. 

(c)          On the Distribution Date on which all amounts due have been paid to the Class A and Class C Certificateholders, including the Certificate Insurer as subrogee of the Class A Certificateholders, and all I & I Payments have been paid to the Certificate Insurer, the Trustee, after making any required withdrawals from the Spread Account pursuant to the preceding paragraph, shall:

(i)           clear and terminate the Spread Account, liquidate any investments therein and pay any uninvested funds therein or the proceeds of such liquidation to the Servicer and/or the Seller to the extent of any Reimbursable Amounts, and the remainder to the Class C Certificateholders; and

(ii)          pay future receipts of the Excess Spread to the Servicer and/or the Seller to the extent of any Reimbursable Amounts, and the remainder to the Class C Certificateholders.

(d)          the Spread Account may be terminated and other assets substituted therefor including mortgage loans similar to the Mortgage Loans, at any time, with the prior written approval of the Certificate Insurer and the Rating Agencies, and with written confirmation that such termination and substitution will not result in a downgrade of the current ratings of the Class A Certificates without giving effect to the Certificate Insurance Policy.

 

	
             
  	
            Section 4.02
 	
            Certificate Insurance Policy.
 

(a)          As soon as possible, and in no event later than 12:00 noon New York time on the second Business Day immediately preceding the Distribution Date, the Trustee shall furnish the Certificate Insurer and the Servicer with a completed notice in the form set forth as Exhibit A to he Endorsement to the Certificate Insurance Policy (the “Notice”) in the event that the Available Funds (other than any amounts in respect of Insured Amounts) are insufficient to pay the Remittance Amount with respect to the Class A Certificateholders, as applicable, on such Distribution Date. The Notice shall specify the amount of Insured Amounts and shall constitute a claim for an Insured Amount pursuant to the Certificate Insurance Policy. Upon receipt of Insured Amounts on behalf of the Class A Certificateholders under the Certificate Insurance 

 

Policy, the Trustee shall deposit such Insured Amounts in the Distribution Account and shall distribute such Insured Amounts pursuant to Section 5.01.

(b)          The Trustee shall receive, as attorney-in-fact of each Holder of a Class A Certificate, any Insured Amount from the Certificate Insurer and disburse the same to each Holder of a Class A Certificate in accordance with the provisions of Section 5.01. Insured Amounts disbursed by the Trustee from proceeds of the Certificate Insurance Policy shall not be considered payment by the Trust nor shall such payments discharge the obligation of the Trust with respect to the Class A Certificates, and the Class A Certificate Principal Balance shall be deemed not reduced for such purposes and the Certificate Insurer shall become the owner of such unpaid amounts due from the Trust in respect of the Class A Certificates. The Trustee hereby agrees on behalf of each Holder of a Class A Certificate for the benefit of the Certificate
Insurer that it recognizes that to the extent the Certificate Insurer pays Insured Amounts, either directly or indirectly (as by paying through the Trustee), to the Class A Certificateholders, the Certificate Insurer will be subrogated to the rights of such Class A Certificateholders, with respect to such Insured Amounts, shall be deemed to the extent of the payments so made to be a registered Class A Certificateholder for purposes of payment and shall receive all future Remittance Amounts until all such Insured Amounts by the Certificate Insurer have been fully reimbursed, subject to the following paragraph. To evidence such subrogation, the Trustee shall note the Certificate Insurer’s rights as subrogee on the registration books maintained by the Trustee and on any Class A Certificates surrendered for payment upon receipt from the Certificate Insurer of proof of payment of any Insured Amount. Except as otherwise described herein, the Certificate Insurer shall not acquire any
voting rights hereunder as a result of such subrogation. The effect of the foregoing provisions is that, to the extent of Insured Amounts paid by it, the Certificate Insurer shall be paid before payment of the balance of the Remittance Amount is made to the other Holders of the Class A Certificates subject to the following paragraph.

(c)          It is understood and agreed that the intention of the parties is that the Certificate Insurer shall not be entitled to reimbursement on any Distribution Date for amounts previously paid by it, unless, on such Distribution Date, the Class A Certificateholders shall also have received the full amount of the Remittance Amount (exclusive of amounts representing amounts previously paid to the Class A Certificateholders as Insured Amounts) for such Distribution Date.

(d)          The Trustee shall keep complete and accurate records of the amount of Insured Amounts and the Certificate Insurer shall have the right to inspect such records at reasonable times upon one Business Day’s prior notice to the Trustee.

(e)          The Trustee shall promptly notify the Certificate Insurer of any proceeding or the institution of any action seeking the avoidance as a preferential transfer under applicable bankruptcy, insolvency, receivership or similar law (a “Preference Claim”) of any distribution made with respect to the Class A Certificates. Each Holder, by its purchase of Class A Certificates, and the Trustee hereby agree that, the Certificate Insurer (so long as no Certificate Insurer Default exists) may, at any time during the continuation of any proceeding relating to a Preference Claim, direct all matters relating to such Preference Claim, including, without limitation, (i) the direction of any appeal of any order relating to any Preference Claim, and (ii) the posting of any surety, supersedeus or performance bond pending any such appeal. In 

 

addition, and without limitation of the foregoing, the Certificate Insurer shall be subrogated to the rights of the Trustee and each such Holder in the conduct of any such Preference Claim, including, without limitation, all rights of any party to an adversary proceeding action with respect to any order issued in connection with any such Preference Claim. Insured Amounts paid by the Certificate Insurer to the Trustee shall be received by the Trustee, as agent to the Certificateholders. The Trustee is not permitted to make a claim on the Trust or on any Certificateholder for payments made to Certificateholders under the Certificate Insurance Policy which are characterized as preference payments by any Bankruptcy Court having jurisdiction over any bankrupt Mortgagor unless ordered to do so by such Bankruptcy Court.

Section 4.03      Establishment of Basis Risk Reserve Fund; Deposits in Basis Risk Reserve Fund; Permitted Withdrawals from Basis Risk Reserve Fund.

(a)          On the Closing Date, the Trustee shall establish and maintain in its name, in trust for the benefit of the Holders of the Class A Certificates, an Eligible Account titled “Basis Risk Reserve Fund, Deutsche Bank National Trust Company in trust for registered Holders of Financial Asset Securities Corp., Home Equity Loan Asset-Backed Certificates, Series 2005-1, Class A.”  Funds in the Basis Risk Reserve Fund shall be held in trust for the Holders of the Class A Certificates for the uses and purposes set forth in this Agreement.  Funds in the Basis Risk Reserve Fund shall be held separate and apart from, and shall not be commingled with, any other moneys, including without limitation, other moneys held by the Trustee pursuant to this Agreement.  The Basis Risk Reserve Fund will be an “outside reserve
fund” within the meaning of Treasury regulation Section 1.860G-2(h) established and maintained pursuant to this Section 4.03.  The Basis Risk Reserve Fund is not an asset of any REMIC created hereunder. Ownership of the Basis Risk Reserve Fund is evidenced by the Class C Certificates.

(b)          On each Distribution Date, the Trustee shall (i) deposit amounts, if any, received from the Corridor Contract Counterparty under the Corridor Contract into the Basis Risk Reserve Fund and (ii) if necessary and to the extent available, withdraw from the Distribution Account and deposit into the Basis Risk Reserve Fund pursuant to Section 5.01(a)(vii), the Required Basis Risk Reserve Fund Deposit.  On each Distribution Date, the Trustee shall withdraw from the Basis Risk Reserve Fund amounts required to make distributions of the Class A Available Funds Cap Carryover Amount to the Class A Certificateholders.  Any such amounts deposited in the Basis Risk Reserve Fund shall be treated for federal tax purposes as amounts distributed by REMIC 3 to the Class C Certificateholders and contributed by the Class C
Certificateholders to the Basis Risk Reserve Fund.  Any payments from the Basis Risk Reserve Fund to the Class A Certificateholders in respect of Class A Available Funds Cap Carryover Amount shall be treated as payments pursuant to an interest rate cap contract.  For information reporting purposes, the Trustee will treat the cap contract as having nominal value.  On any Distribution Date, any amounts on deposit in the Basis Risk Reserve Fund in excess of the Required Basis Risk Reserve Fund Deposit shall be distributed to the Holders of the Class C Certificates.

(c)          Funds in the Basis Risk Reserve Fund may be invested in Eligible Investments by the Trustee at the direction of the Holders of the Class C Certificates evidencing at least 51% of the interest therein.  Any net investment earnings on such amounts shall be payable to the Holders of the Class C Certificates.  Amounts held in the Basis Risk Reserve Fund from time to time shall continue to constitute assets of the Trust, but not of any REMIC created hereunder, 

 

until released from the Basis Risk Reserve Fund pursuant to this Section 4.03. The Basis Risk Reserve Fund constitutes an “outside reserve fund” within the meaning of Treasury Regulation §1.860G-2(h) and is not an asset of any REMIC created hereunder. For all federal tax purposes, amounts transferred by REMIC 3 to the Basis Risk Reserve Fund shall be treated as amounts distributed by REMIC 3 to the Class C Certificateholders. The Class C Certificates shall evidence ownership of the Basis Risk Reserve Fund for federal tax purposes and the Holders thereof shall direct the Trustee in writing as to the investment of amounts therein. In the absence of such written direction, all funds in the Basis Risk Reserve Fund shall be invested by the Trustee in Deutsche Cash Management Fund.  The Trustee shall have no liability for losses on investments in Eligible Investments made pursuant to this Section
4.03 (other
than as obligor on any such investments). Upon termination of the Trust, any amounts remaining in the Basis Risk Reserve Fund shall be distributed to the Holders of the Class C Certificates in the same manner as if distributed pursuant to Section 5.01(a)(viii) hereof.

(d)          On the Distribution Date immediately after the Distribution Date on which the Class A Certificate Principal Balance equals zero, any amounts on deposit in the Basis Risk Reserve Fund not payable in respect of the Class A Certificate shall be distributed to the Holders of the Class C Certificates in the same manner as if distributed pursuant to Section 5.01(a)(viii) hereof.

Section 4.04      Establishment of Pre-Funding Account; Deposits in Pre-Funding Account; Permitted Withdrawals from Pre-Funding Account.

(a)          On the Closing Date, the Trustee shall establish and maintain in its name, in trust for the benefit of the Holders of the Class A Certificates and the Certificate Insurer, an Eligible Account titled “Pre-Funding Account, Deutsche Bank National Trust Company in trust for registered Holders of Financial Asset Securities Corp., Home Equity Loan Asset-Backed Certificates, Series 2005-1, Class A.”  Funds in the Pre-Funding Account shall be held in trust for the Holders of the Class A Certificates and the Certificate Insurer for the uses and purposes set forth in this Agreement.  Funds in the Pre-Funding Account shall be held separate and apart from, and shall not be commingled with, any other moneys, including without limitation, other moneys held by the Trustee pursuant to this Agreement.  The Pre-Funding Account
will be an “outside reserve fund” within the meaning of Treasury regulation Section 1.860G-2(h) established and maintained pursuant to this Section 4.04.  The Pre-Funding Account is not an asset of any REMIC created hereunder.  Any Pre-Funding Earnings shall be distributed to the Seller on each Pre-Funding Distribution Date; provided, however, that if the final Subsequent Transfer Date occurs after the Distribution Date in a month, on such Subsequent Transfer Date, the Trustee shall (i) transfer the Excess Funding Amount from the Pre-Funding Account to the Distribution Account, (ii) transfer the Pre-Funding Earnings to the Seller and (iii) close the Pre-Funding Account.  The amount on deposit in the Pre-Funding Account shall be invested in Eligible Investments at the direction of the Seller in accordance with the provisions of Section 5.08.  All investment earnings on funds on deposit in the Pre-Funding Account shall be treated as owned by, and shall be taxable
to, the Seller.

(b)          On the Closing Date, the Depositor shall cause to be deposited the Original Pre-Funded Amount in the Pre-Funding Account from the sale of the Certificates.

 

 

(c)          On each Subsequent Transfer Date, (i) the Seller shall instruct the Trustee to withdraw from the Pre-Funding Account an amount equal to 100% of the Aggregate Principal Balances of the Subsequent Mortgage Loans sold to the Trust on such Subsequent Transfer Date and (ii) the Trustee shall pay such amounts to or upon the order of the Seller with respect to such transfer.

(d)          If at the end of the Funding Period amounts still remain in the Pre-Funding Account, the Seller shall instruct the Trustee to withdraw such amounts from the Pre-Funding Account on the immediately following Distribution Date and deposit such amounts in the Distribution Account.

(e)          Unless sooner closed as provided above, the Pre-Funding Account shall be closed at the close of business on the Distribution Date immediately following the end of the Funding Period.

Withdrawals pursuant to clauses (c) and (d) shall be treated as contributions of cash to REMIC 1 on the date of withdrawal.

 

Section 4.05      Establishment of Interest Coverage Account; Deposits in Interest Coverage Account and Permitted Withdrawals from Interest Coverage Account.

(a)          With respect to amounts on deposit in the Pre-Funding Account,  in order to assure that sufficient amounts to make required distributions of interest to the Certificateholders shall be available during the Funding Period, on the Closing Date, the Trustee shall establish and maintain in its name, in trust for the benefit of the Holders of the Class A Certificates and the Certificate Insurer, an Eligible Account titled “Interest Coverage Account, Deutsche Bank National Trust Company in trust for registered Holders of Financial Asset Securities Corp., Home Equity Loan Asset-Backed Certificates, Series 2005-1, Class A.”  Funds in the Interest Coverage Account shall be held in trust for the Holders of the Class A Certificates and the Certificate Insurer for the uses and purposes set forth in this Agreement.
Funds in the Interest Coverage Account shall be held separate and apart from, and shall not be commingled with, any other moneys, including without limitation, other moneys held by the Trustee pursuant to this Agreement.  Funds in the Interest Coverage Account shall be invested in Eligible Investments at the direction of the Seller in accordance with the provisions of Section 5.08.  All investment earnings on funds in the Interest Coverage Account shall be distributed to the Seller on each Pre-Funding Distribution Date.  The Interest Coverage Account shall be an “outside reserve fund” within the meaning of Treasury regulation Section 1.860G-2(h) established and maintained pursuant to this Section 4.03.  The Interest Coverage Account is not an asset of any REMIC created hereunder.  

(b)          On the Closing Date, the Seller shall cause to be deposited the Capitalized Interest Deposit in the Interest Coverage Account.

(c)          On each of the Distribution Dates during the Funding Period, the Trustee shall withdraw from the Interest Coverage Account the Capitalized Interest Required Amount for such Distribution Date and deposit such amount into the Distribution Account.  

 

 

(d)          If at the end of the Funding Period amounts still remain in the Interest Coverage Account, the Seller shall instruct the Trustee to withdraw such amounts from the Interest Coverage Account on the immediately following Distribution Date and remit such amounts to the Seller.  Upon any such distribution to the Seller, the Certificateholders shall have no further rights in, or claims to, such amounts.

(e)          Unless sooner closed as provided above, the Interest Coverage Account shall be closed at the close of business on the Distribution Date immediately following the end of the Funding Period.

 

 

ARTICLE V

 

Payments and Statements to

Certificateholders; Rights of Certificateholders

	
             
  	
            Section 5.01
 	
            Distributions.
 

(a)          On each Distribution Date the Trustee shall withdraw from the Distribution Account the Available Funds for such Distribution Date and shall make distributions thereof as described below in the following order of priority, and to the extent of Available Funds:

(i)           to the holders of the Class A-1 Certificates, Class A-2 Certificates and Class A-3 Certificates, pro rata, an amount equal to the Interest Distribution Amount for such Distribution Date;

(ii)          to the holders of the Class A-1 Certificates, Class A-2 Certificates and Class A-3 Certificates, sequentially in that order, an amount equal to the Class A Principal Distribution Amount for such Distribution Date, until the Class A Certificate Principal Balance thereof has been reduced to zero;

(iii)        to the Certificate Insurer an amount equal to the sum of (1) the accrued and unpaid Premium Amount, (2) an amount sufficient to reimburse the Certificate Insurer to the extent of any unreimbursed Insured Amounts paid, with interest thereon at the rate specified in the Insurance Agreement, and (3) I and I Payments;

(iv)         to the Servicer and/or the Seller certain Reimbursable Amounts (other than Monthly Advances and Servicing Advances) not previously reimbursed;

(v)          to the Servicer, the amount of Nonrecoverable Advances not previously reimbursed;

(vi)         to the Spread Account, the remaining Monthly Excess Spread Amount until the Base Spread Account Requirement is reached;

(vii)       to the Basis Risk Reserve Fund, an amount up to the Required Basis Risk Reserve Fund Deposit (after giving effect to deposits made therein from the Corridor Contract); 

(viii)      to the holders of the Class C Certificates, (a) an amount equal to the Interest Distribution Amount for such Distribution Date and (b) any remaining amounts in reduction of the Class C Certificate Principal Balance, until the Class C Certificate Principal Balance has been reduced to zero; and

(ix)         to the holders of the Class R Certificates (in respect of the Class R-3 Interest), any remaining amounts.

Any amount withdrawn from the Spread Account that is paid to the Class A Certificates, or used to reimburse the Certificate Insurer on account of a delinquency or realized loss on a Mortgage 

 

Loan shall be treated as paid to REMIC 3 pursuant to a credit enhancement contract.  Amounts released from the Spread Account or the Basis Risk Reserve Fund to the Class C Certificateholders shall not be treated as paid by any REMIC created hereunder.

(b)          Distribution of Insured Amounts.  With respect to any Distribution Date and Insured Amount, the Trustee shall make payments pursuant to Section 5.01(a)(i) or (ii), as applicable, from the amount drawn under the Certificate Insurance Policy for such Distribution Date pursuant to Section 4.02. Funds received by the Trustee as a result of any claim under the Certificate Insurance Policy shall be applied solely to payments to Class A Certificateholders and may not be applied to satisfy costs, expenses or liabilities of the Servicer, the Trustee or the Trust.

(c)          Method of Distribution.  The Trustee shall make distributions in respect of a Distribution Date to each Certificateholder of record on the related Record Date (other than as provided in Section 10.01 respecting the final distribution) by check or money order mailed to such Certificateholder at the address appearing in the Certificate Register, or upon written request by a Certificateholder delivered to the Trustee at least five Business Days prior to such Record Date, by wire transfer. Distributions among Certificateholders shall be made in proportion to the Percentage Interests evidenced by the Certificates held by such Certificateholders.

(d)          Distributions on Book-Entry Certificates.  Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, which shall credit the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a “brokerage firm” or “indirect participating firm”) for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. All such credits and disbursements with respect to a Book-Entry Certificate are to be made by the Depository and the Depository Participants in accordance with
the provisions of the Certificates. None of the Trustee, the Paying Agent, the Certificate Registrar, the Depositor, the Servicer or the Seller shall have any responsibility therefor except as otherwise provided by applicable law. 

	
             
  	
            Section 5.02
 	
            Calculation of the Class A Certificate Interest Rate.  
 

With respect to the Class A Certificates, on the second LIBOR Business Day immediately preceding each Distribution Date (referred to in this sentence as the “current Distribution Date”) the Trustee shall determine LIBOR and the Class A Certificate Interest Rate for such Class and the Distribution Date next succeeding such current Distribution Date and inform the Servicer (at the facsimile number given to the Trustee in writing) of such rate.

	
             
  	
            Section 5.03
 	
            [Reserved].
 	
             

	
             
  	
            Section 5.04
 	
            Compensating Interest.
 

Not later than the close of business on each Determination Date, the Servicer shall remit to the Trustee for deposit to the Collection Account an amount equal to the lesser of (A) the aggregate of the Prepayment Interest Shortfalls for the related Distribution Date resulting from 

 

Principal Prepayments during the related Due Period and (B) its aggregate Servicing Fees received in the related Due Period. The Servicer shall not have the right to reimbursement for any amounts deposited to the Collection Account pursuant to this Section. The Servicing Fee shall be applied first to amounts in clause (A) and then to amounts in clause (B).

	
             
  	
            Section 5.05
 	
            Statements.
 

Not later than 12:00 noon California time on the fourth Business Day following the last day of a Due Period, the Servicer shall deliver to the Trustee a computer tape containing the information set forth on Exhibit D as to each Mortgage Loan as of such Due Period and such other information as the Trustee shall reasonably require. Not later than 12:00 noon California time on the Determination Date, the Trustee shall make available to the Servicer, the Depositor and to the Certificate Insurer by telecopy, and on the Distribution Date via its website, a statement (the “Trustee’s Remittance Report”) containing the information set forth below (to the extent any such information to be delivered by the Servicer pursuant to the first sentence of this Section 5.01(a) has been so delivered) with respect to such Distribution Date:

(i)           The Available Funds and the Class A Certificate Interest Rate for the related Distribution Date;

(ii)          The Class A Certificate Principal Balance and the Aggregate Principal Balance of the Mortgage Loans as reported in the prior Trustee’s Remittance Report pursuant to subclause (xii) below, or, in the case of the first Determination Date, the Original Class A Certificate Balance and the related Cut-Off Date Principal Balance of the Mortgage Loans;

(iii)        The number and Principal Balances of all Mortgage Loans and of the Mortgage Loans, that were the subject of Principal Prepayments during the Due Period;

	
             
  	
            (iv)
 	
            The amount of all Curtailments that were received during the Due Period;
 

(v)          The principal portion of all Monthly Payments received during the Due Period;

	
             
  	
            (vi)
 	
            The amount of interest received on the Mortgage Loans;
 

(vii)       The amount of the Monthly Advances and the Compensating Interest payment to be made on the Determination Date;

(viii)      The delinquency and foreclosure information set forth in the form attached hereto as Exhibit L;

(ix)         The Remittance Amount for the Class A Certificates for the Distribution Date with the components thereof stated separately;

(x)          The amount of the Insured Amounts, if any, to be paid on the Distribution Date;

 

 

(xi)         The amount to be distributed to the Class C Certificateholders for the Distribution Date;

(xii)       The Class A Certificate Principal Balance and the Aggregate Principal Balance of the Mortgage Loans, each after giving effect to the distribution to be made on the Distribution Date;

(xiii)      The weighted average remaining term to maturity of the Mortgage Loans and the weighted average Loan Rate;

(xiv)      The Servicing Fee, the Trustee Fee and the amount to be paid to the Certificate Insurer pursuant to Section 5.01;

(xv)        The amount of all payments or reimbursements to the Servicer pursuant to Section 3.03;

	
             
  	
            (xvi)
 	
            The Pool Factor determined using the balances in subclause (ii) above;
 

(xvii)     The amount, if any, transferred from the Spread Account to the Distribution Account pursuant to Section 4.01;

(xviii)    The percentage of the Excess Spread used to determine the Monthly Excess Spread Amount, the Spread Account Excess and the allocation of the Spread Account Excess to Reimbursable Amounts, Monthly Advances and Class C Certificateholders pursuant to Section 4.01;

(xix)      The amounts which are reimbursable to the Servicer or the Seller, as appropriate, pursuant to Section 5.01(a)(iv) and the amount paid to Class C Certificateholders pursuant to Section 5.01(a)(viii);

(xx)        The number of Mortgage Loans outstanding at the beginning and at the end of the related Due Period;

	
             
  	
            (xxi)
 	
            The amount on deposit in the Spread Account after the Distribution Date;
 

(xxii)     The amount of losses experienced on the Mortgage Loans during the preceding Due Period and the cumulative losses for the Mortgage Loans as a percentage of the related Cut-Off Date Principal Balance;

(xxiii)    The amount of Class A Available Funds Cap Carryover Amount distributed to the Class A Certificates from the Basis Risk Reserve Fund, stating separately any amounts received from the Corridor Contract Counterparty with respect to the Corridor Contract and the amount of Class A Available Funds Cap Carryover Amount remaining if any;

(xxiv)    The amount on deposit in the Basis Risk Reserve Fund, the Required Basis Risk Reserve Fund Deposit and the amount of any withdrawal from such Account for the Distribution Date distributed to the Class C Certificates; 

 

 

(xxv)     The amount of Class Interest Carryover Shortfall relating to the Class A Certificates, stating the amount that is allocable to such Class and the amount allocable to interest and principal; 

(xxvi)    Whether a Servicer Termination Delinquency Event or a Servicer Termination Loss Event has occurred and specifying the details thereof;

(xxvii)   During the Funding Period, the amount used to acquire Subsequent Mortgage Loans since the preceding Distribution Date and the remaining Pre-Funded Amount after acquiring Subsequent Mortgage Loans; and

(xxviii) During the Funding Period, the amount on deposit in the Interest Coverage Account after the Distribution Date and the Capitalized Interest Required Amount for such Distribution Date.

The Trustee shall make such report available to the Servicer, the Depositor, the Certificateholders, the Certificate Insurer, the Rating Agencies and Bloomberg (at 499 Park Avenue, New York, New York 10022, Attention: Mike Geller) on its internet website on the related Distribution Date.  Assistance in using the website can be obtained by calling the Trustee’s investor relations desk at (800) 735-7777.  Parties that are unable to use the above distribution method are entitled to have a paper copy mailed to them via first class mail by calling the investor relations desk and indicating such.  In addition, together with such report, the Trustee shall forward to Bloomberg a copy of the computer tape delivered by the Servicer on the Distribution Date.  The Trustee may fully rely upon and shall have no liability with respect to information provided by the Servicer.

To the extent that there are inconsistencies between the copy of the Trustee’s Remittance Report posted on its website and the hard copy issued upon request (pursuant to the preceding paragraph) thereof, the Servicer may rely upon the former.

In the case of information furnished pursuant to subclauses (ii) and (ix) above, the amounts shall be expressed in a separate section of the report as a dollar amount for each Class for each $1,000 original dollar amount as of the Cut-Off Date.

(b)          Within a reasonable period of time after the end of each calendar year, the Trustee shall furnish to each Person who at any time during the calendar year was a Class A Certificateholder, if requested in writing by such Person, such information as is reasonably necessary to provide to such Person a statement containing the information set forth in subclause (ix) above, aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Trustee shall be deemed to have been satisfied to the extent that substantially comparable information shall be prepared and furnished by the Trustee to Certificateholders pursuant to any requirements of the Code as are in force from time to time.

(c)          On each Distribution Date, the Trustee shall forward to the Class R Certificateholders a copy of the reports forwarded to the Class A and Class C Certificateholders in respect of such Distribution Date and a statement setting forth the amounts actually distributed 

 

to the Class C Certificateholders on such Distribution Date together with such other information as the Trustee deems necessary or appropriate.

(d)          Within a reasonable period of time after the end of each calendar year, the Trustee shall deliver to each Person who at any time during the calendar year was a Class R Certificateholder, if requested in writing by such Person, such information as is reasonably necessary to provide to such Person a statement containing the information provided pursuant to the previous paragraph aggregated for such calendar year or applicable portion thereof during which such Person was a Class R Certificateholder. Such obligation of the Trustee shall be deemed to have been satisfied to the extent that substantially comparable information shall be prepared and furnished to Certificateholders by the Trustee pursuant to any requirements of the Code as from time to time in force.

(e)          The Servicer and the Trustee shall furnish to each Certificateholder and to the Certificate Insurer (if requested in writing), during the term of this Agreement, such periodic, special, or other reports or information, whether or not provided for herein, as shall be necessary, reasonable, or appropriate with respect to the Certificateholder or the Certificate Insurer, as the case may be, or otherwise with respect to the purposes of this Agreement, all such reports or information to be provided by and in accordance with such applicable instructions and directions (if requested in writing) as the Certificateholder or the Certificate Insurer, as the case may be, may reasonably require; provided, that the Servicer and the Trustee shall be entitled to be reimbursed by such Certificateholder or the Certificate
Insurer, as the case may be, for their respective fees and actual expenses associated with providing such reports, if such reports are not generally produced in the ordinary course of their respective businesses or readily obtainable.

(f)           Reports and computer tapes furnished by the Servicer pursuant to this Agreement shall be deemed confidential and of a proprietary nature, and shall not be copied or distributed except to the extent required by law or this Agreement, or to the Rating Agencies, the Depositor, the Certificate Insurer’s reinsures, parent, regulators, liquidity providers and auditors; provided, that the Certificate Insurer shall attempt in good faith to cause such additional Persons to acknowledge in writing the foregoing restrictions, and in connection with the purposes and requirements of this Agreement.  Notwithstanding anything herein to the contrary, the foregoing shall not be construed to prohibit (i) disclosure of any and all information that is or becomes publicly known, or information obtained by the Trustee
from sources other than the Servicer, (ii) disclosure as required pursuant to this Agreement, (iii) disclosure of any and all information (A) if required to do so by an applicable statute, law, rule or regulation, or in working with any taxing authorities or other governmental agencies, (B) to any government agency or regulatory body having or claiming authority to regulate or oversee any respects of the Trustee's business or that of its affiliates, (C) pursuant to any subpoena, civil investigative demand or similar demand or request of any court, regulatory authority, arbitrator or arbitration to which the Trustee or an affiliate or an officer, director, employer or shareholder thereof is a party, (D) in any preliminary or final offering circular, registration statement or contract or other document pertaining to the transactions contemplated by the Agreement approved in advance by the Seller or (E) to any affiliate, independent or internal auditor,
agent, employee or attorney of the Trustee having a need to know the same, provided that the Trustee advises such recipient of the confidential nature of the information being disclosed, or (iv) any other disclosure authorized by the Seller.  No Person entitled to receive copies of such reports or tapes or lists of Certificateholders shall 

 

use the information therein for the purpose of soliciting the customers of the Seller or for any other purpose except as set forth in this Agreement.

	
             
  	
            Section 5.06
 	
            [Reserved].
 	
             

	
             
  	
            Section 5.07
 	
            Distribution Account.
 

The Trustee shall establish for the benefit of the Certificateholders, with Deutsche Bank National Trust Company, a separate trust account (the “Distribution Account”) titled Distribution Account, “Deutsche Bank National Trust Company, as Trustee, in trust for the registered holders of Home Equity Loan Asset-Backed Certificates, Series 2005-1.” The Distribution Account shall be an Eligible Account. The Trustee shall deposit any amounts representing payments on and any collections in respect of the Mortgage Loans received by it immediately following receipt thereof, including, without limitation, all amounts withdrawn by the Servicer from the Collection Account pursuant to Section 3.03 for deposit to the Distribution Account. Amounts on deposit in the Distribution Account may be invested in Eligible Investments pursuant to Section 5.08.

	
             
  	
            Section 5.08
 	
            Investment of Accounts.
 

(a)          So long as no Event of Default shall have occurred and be continuing, and consistent with any requirements of the Code, all or a portion of any Account held by the Trustee shall be invested and reinvested by the Trustee, as directed in writing by the Servicer or Seller, in one or more Eligible Investments bearing interest or sold at a discount. If an Event of Default shall have occurred and be continuing or if the Servicer does not provide investment directions, the Trustee shall invest all Accounts in the following: Deutsche Cash Management Fund. Except as provided in Section 5.08(f), no such investment in any Account shall mature later than the Business Day immediately preceding the next Distribution Date (except that (i) if such Eligible Investment is an obligation of the Trustee, then such Eligible Investment shall
mature not later than such Distribution Date, and (ii) such Eligible Investments may mature on any other date as may be approved by the Rating Agencies and the Certificate Insurer).

(b)          If any amounts are needed for disbursement from any Account held by the Trustee and sufficient uninvested funds are not available to make such disbursement, the Trustee shall cause to be sold or otherwise converted to cash a sufficient amount of the investments in such Account. The Trustee shall not be liable for any investment loss or other charge resulting therefrom unless the Trustee’s failure to perform in accordance with this Section 5.08 is the cause of such loss or charge.

(c)          Subject to Section 9.01 hereof, the Trustee shall not in any way be held liable by reason of any insufficiency in any Account held by the Trustee resulting from any investment loss on any Eligible Investment included therein (except to the extent that the Trustee is the obligor and has defaulted thereon or as provided in subsection (b) of this Section 5.08).

(d)          The Trustee shall invest and reinvest funds in the Accounts held by the Trustee, to the fullest extent practicable, in such manner as the Servicer shall from time to time direct as set forth in Section 5.08(a), but only in one or more Eligible Investments.

 

 

(e)          So long as no Event of Default shall have occurred and be continuing, all net income and gain realized from investment of, and all earnings on funds deposited in, the Collection Account, the Distribution Account, the Pre-Funding Account and the Interest Coverage Account, shall be for the benefit of the Servicer as servicing compensation (in addition to the Servicing Fee), and shall be subject to withdrawal on or before the first Business Day of the month following the month in which such income or gain is received. The Servicer shall deposit into the Collection Account, the Distribution Account, the Pre-Funding Account, the Interest Coverage Account, the Spread Account or the Basis Risk Reserve Fund, as the case may be, the amount of any loss incurred in respect of any Eligible Investment held therein which is in
excess of the income and gain thereon immediately upon realization of such loss, without any right to reimbursement therefor from its own funds. Income or gain from Eligible Investments held in the Spread Account and, if an Event of Default shall have occurred and be continuing, from all other Eligible Investments shall be deposited into the Spread Account.

(f)           Amounts on deposit in the Spread Account may be invested at the Servicer’s direction and in accordance with the following guidelines:

(1)          as of any date of determination, no less than the greater of (i) an amount equal to 33% times the Base Spread Account Requirement, and (ii) an amount equal to the sum of the Aggregate Principal Balances of Mortgage Loans that have converted to REO Properties and Mortgage Loans in foreclosure, but, in the case of both clauses (i) and (ii) hereof, in no event more than the Base Spread Account Requirement, shall mature no later than the Business Day immediately preceding the next Distribution Date; and

(2)          as of any date of determination, no more than the greater of (i) an amount equal to 33% times the Base Spread Account Requirement, and (ii) an amount equal to the sum of the Aggregate Principal Balances of Mortgage Loans that have converted to REO Properties and an amount equal to 33% times the Aggregate Principal Balances of Mortgage Loans that are 90 or more days delinquent (including Mortgage Loans in foreclosure), but, in the case of both clauses (i) and (ii) hereof, in no event more than the Base Spread Account Requirement, may mature no later than the Business Day immediately preceding the second succeeding Distribution Date; and

(3)          as of any date of determination, the excess of the amounts on deposit in the Spread Account over the amounts described in Section 5.08(f)(1) and (2) may mature no later than the Business Day next preceding the third succeeding Distribution Date;

provided, however, that amounts on deposit in the Spread Account may mature at a later date than that set forth in clauses (1), (2) and (3) above, upon receipt by the Trustee of the Certificate Insurer’s consent and confirmation in writing from each Rating Agency that such investment’s maturity shall not result in a downgrade of the ratings on the Class A Certificates without giving effect to the Certificate Insurance Policy.  The Trustee shall have no obligation to invest and reinvest any cash held in the Accounts in the absence of timely and specific written investment direction from the Servicer. In no event shall the Trustee be liable for the selection of investments or for investment losses incurred thereon. The Trustee shall have no liability in respect of losses incurred as a result of the liquidation of any
investment prior to its stated 

 

maturity or the failure of the Servicer to provide timely written investment direction.  The Trustee or its Affiliates are permitted to receive additional compensation that could be deemed to be in the Trustee’s economic self-interest for (i) serving as investment adviser, administrator, shareholder servicing agent, custodian or sub-custodian with respect to certain of the Eligible Investments, (ii) using Affiliates to effect transactions in certain Eligible Investments and (iii) effecting transactions in certain Eligible Investments.

Section 5.09      The Corridor Contract.  The Corridor Contract will be an asset of a separate trust but will not be an asset of any REMIC created hereunder and any amounts received thereon shall be taxable to the Class C Certificateholder.  The Trustee shall treat the Corridor Contract as having a nominal (zero) value for the Holders of the Class A Certificates.

(a)          The Trustee shall deposit any amounts received with respect to the Corridor Contract on a Corridor Payment Date into the Basis Risk Reserve Fund.   Notwithstanding anything in this paragraph to the contrary, for any Distribution Date on which there is a payment under the Corridor Contract based on a notional amount in excess of the Class A Certificate Principal Balance, the amount representing such excess payment shall not be an asset of the Trust and, instead, shall be paid into and distributed out of a separate trust created by this Agreement for the benefit of the Class C Certificates and shall be distributed to the Class C Certificates directly.

(b)          The Trustee shall terminate the Corridor Contract upon the occurrence of an event of default or termination event under the Corridor Contract of which a Responsible Officer of the Trustee has actual knowledge.  In the event that the Corridor Contract is canceled or otherwise terminated for any reason (other than the exhaustion of the interest rate protection provided thereby), the Trustee shall, at the direction of Certificateholders evidencing Voting Rights of not less than 50% of the Class A Certificates, and to the extent a replacement contract is available (from a counterparty designated by the Seller and acceptable to Certificateholders evidencing Voting Rights of not less than 50% of the Class A Certificates), execute a replacement contract comparable to such Corridor Contract providing interest rate protection
which is equal to the then-existing protection provided by the Corridor Contract at the expense of the Seller; provided, however, that the cost of any such replacement contract providing the same interest rate protection may be reduced to a level such that the cost of such replacement contract shall not exceed the amount of any early termination payment received from the Corridor Contract Counterparty. 

(c)          On any Distribution Date prior to the Corridor Contract Termination Date, if the Class A Certificate Principal Balance equals zero, all amounts received by the Trustee with respect to the Corridor Contract shall be distributed directly to the Class C Certificateholder.

Prior to the Corridor Contract Termination Date and upon the termination of the Trust, the Corridor Contract shall be assigned to the Class C Certificateholder.

	
             
  	
            Section 5.10
 	
            Distributions on the REMIC Regular Interests.
 

(a)          On each Distribution Date, the Trustee shall cause in the following order of priority, the following amounts which shall be deemed to be distributed by REMIC 1 to REMIC 

 

2 on account of the REMIC 1 Regular Interests or withdrawn from the Distribution Account and distributed to the holders of the Class R Certificates (in respect of the Class R-1 Interest), as the case may be:

(1)         to the Holders of REMIC 1 Regular Interest LT1 and REMIC 1 Regular Interest LT1PF in an amount equal to (A) the Uncertificated Accrued Interest for each REMIC 1 Regular Interest for such Distribution Date, plus (B) any amounts in respect thereof remaining unpaid from previous Distribution Dates;  and

(2)          to the Holders of REMIC 1 Regular Interest LT1 and REMIC 1 Regular Interest LT1PF, in an amount equal to the remainder of the Available Funds for such Distribution Date after the distributions made pursuant to clause (1) above, allocated as follows:

(a)          to the Holders of REMIC 1 Regular Interest LT1, until the Uncertificated Principal Balance of REMIC 1 Regular Interest LT1 is reduced to zero;

(b)          to the Holders of REMIC 1 Regular Interest LT1PF, until the Uncertificated Principal Balance of REMIC 1 Regular Interest LT1PF is reduced to zero; and

(c)          any remaining amount to the Holders of the Class R Certificates (in respect of the Class R-1 Interest).

(b)          On each Distribution Date, the Trustee shall cause in the following order of priority, the following amounts which shall be deemed to be distributed by REMIC 2 to REMIC 3 on account of the REMIC 2 Regular Interests or withdrawn from the Distribution Account and distributed to the holders of the Class R Certificates (in respect of the Class R-2 Interest), as the case may be:

(1)          first, to the extent of Available Funds, to Holders of REMIC 2 Regular Interest LTA1, REMIC 2 Regular Interest LTA2 and REMIC 2 Regular Interest LTA3, on a pro rata basis, in an amount equal to (A) the Uncertificated Accrued Interest for such Distribution Date, plus (B) any amounts in respect thereof remaining unpaid from previous Distribution Dates;

(2)          to the Holders of REMIC 2 Regular Interest LTA1, REMIC 2 Regular Interest LTA2 and REMIC 2 Regular Interest LTA3, in an amount equal to the remainder of the Available Funds for such Distribution Date after the distributions made pursuant to clause (1) above, allocated as follows:

(a)          to the Holders of REMIC 2 Regular Interest LTA1, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LTA1 is reduced to zero;

 

 

(b)          to the Holders of REMIC 2 Regular Interest LTA2, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LTA2 is reduced to zero;

(c)          to the Holders of REMIC 2 Regular Interest LTA3, until the Uncertificated Principal Balance of REMIC 2 Regular Interest LTA3 is reduced to zero; and

(d)          any remaining amount to the Holders of the Class R Certificates (in respect of the Class R-2 Interest).

 

 

 

 

ARTICLE VI

 

The Certificates

	
             
  	
            Section 6.01
 	
            The Certificates.
 

Each of the Class A, Class B and Class R Certificates shall be substantially in the forms set forth in Exhibits A, B and C, respectively, and shall, on original issue, be executed, authenticated and delivered by the Trustee to or upon the order of the Depositor concurrently with the sale and assignment to the Trustee of the Trust.  Each of the Class A Certificates shall be initially evidenced by one or more certificates representing a fraction of the Original Class A Certificate Balance and shall be held in minimum dollar denominations of $25,000 and multiples of $1 in excess thereof, provided that the Class A Certificates must be purchased in minimum total investments of $100,000 per class, except that one of each class of the Class A Certificates
may be in a different denomination so that the sum of the denominations of all outstanding Classes of Class A Certificates shall equal the Original Class A Certificate Balance. 

The Certificates shall be executed by manual or facsimile signature on behalf of the Trustee by a Responsible Officer. Certificates bearing the manual or facsimile signatures of individuals who were, at the time when such signatures were affixed, authorized to sign on behalf of the Trustee shall bind the Trust, notwithstanding that such individuals or any of them have ceased to be so authorized prior to the authentication and delivery of such Certificates or did not hold such offices at the date of such Certificate. No Certificate shall be entitled to any benefit under this Agreement, or be valid for any purpose, unless such Certificate shall have been manually authenticated by the Trustee substantially in the form provided for herein, and such authentication upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and
delivered hereunder. All Certificates shall be dated the date of their authentication. Subject to Section 6.02(c), the Class A Certificates shall be Book-Entry Certificates. The Class R Certificates shall not be Book-Entry Certificates.

	
             
  	
            Section 6.02
 	
            Registration of Transfer and Exchange of Certificates.
 

(a)          The Certificate Registrar shall cause to be kept at the Corporate Trust Office a Certificate Register in which, subject to such reasonable regulations as it may prescribe, the Certificate Registrar shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided.  The Trustee shall initially serve as Certificate Registrar for the purpose of registering Certificates and transfers and exchanges of Certificates as herein provided.

Upon surrender for registration of transfer of any Certificate at any office or agency of the Certificate Registrar maintained for such purpose (initially designated the office of the Trustee’s agent located at DB Services Tennessee, 648 Grassmere Road, Nashville, Tennessee 37211, Attention: Transfer Unit or Securities Payment Unit) pursuant to the foregoing paragraph, and, in the case of a Class R Certificate, upon satisfaction of the conditions set forth below, the Trustee on behalf of the Trust shall execute, authenticate and deliver, in the name of the designated transferee or transferees, one or more new Certificates of the same aggregate Percentage Interest.

 

 

At the option of the Certificateholders, Certificates may be exchanged for other Certificates in authorized denominations and the same aggregate Percentage Interests, upon surrender of the Certificates to be exchanged at any such office or agency.  Whenever any Certificates are so surrendered for exchange, the Trustee shall execute and authenticate and deliver the Certificates which the Certificateholder making the exchange is entitled to receive. Every Certificate presented or surrendered for registration of transfer or exchange shall (if so required by the Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by, the Holder thereof or his attorney duly authorized in writing.

(b)          Except as provided in paragraph (c) below, the Book-Entry Certificates shall at all times remain registered in the name of the Depository or its nominee and at all times: (i) registration of such Certificates may not be transferred by the Trustee except to another Depository; (ii) the Depository shall maintain book-entry records with respect to the Certificate Owners and with respect to ownership and transfers of such Certificates; (iii) ownership and transfers of registration of such Certificates on the books of the Depository shall be governed by applicable rules established by the Depository; (iv) the Depository may collect its usual and customary fees, charges and expenses from its Depository Participants; (v) the Trustee shall deal with the Depository as representative of the Certificate Owners of the Certificates
for purposes of exercising the rights of Holders under this Agreement, and requests and directions for and votes of such representative shall not be deemed to be inconsistent if they are made with respect to different Certificate Owners; and (vi) the Trustee may rely and shall be fully protected in relying upon information furnished by the Depository with respect to its Depository Participants and furnished by the Depository Participants with respect to indirect participating firms and Persons shown on the books of such indirect participating firms as direct or indirect Certificate Owners.

All transfers by Certificate Owners of Book-Entry Certificates shall be made in accordance with the procedures established by the Depository Participant or brokerage firm representing such Certificate Owners. Each Depository Participant shall only transfer Book-Entry Certificates of Certificate owners that it represents or of brokerage firms for which it acts as agent in accordance with the Depository’s normal procedures. The parties hereto are hereby authorized to execute a Letter of Representations with the Depository or take such other action as may be necessary or desirable to register a Book-Entry Certificate to the Depository. In the event of any conflict between the terms of any such Letter of Representation and this Agreement, the terms of this Agreement shall control.

(c)          If (i)(x) the Depository or the Depositor advises the Trustee in writing that the Depository is no longer willing or able to discharge properly its responsibilities as Depository, and (y) the Trustee or the Depositor is unable to locate a qualified successor, (ii) the Depositor, at its sole option, with the consent of the Trustee, elects to terminate the book-entry system through the Depository, or (iii) after the occurrence of an Event of Default, the Certificate Owners of the Class A Certificates representing Percentage Interests aggregating not less than 51% advise the Trustee and Depository through the Financial Intermediaries and the DTC participants in writing that the continuation of a book-entry system through the Depository to the exclusion of definitive, fully registered certificates (the “Definitive
Certificates”) to Certificate owners is no longer in the best interests of the Certificate Owners, then upon surrender to the Certificate Registrar of the Class A Certificates by the Depository, accompanied by registration 

 

instructions from the Depository for registration, the Trustee shall at the Depositor’s expense, in the case of (i) and (ii) above, or the Seller’s expense, in the case of (iii) above, the Trustee shall execute and authenticate the Definitive Certificates. Neither the Depositor nor the Trustee shall be liable for any delay in delivery of such instructions and may conclusively rely on, and shall be protected in relying on, such instructions. Upon the issuance of Definitive Certificates, the Trustee, the Certificate Registrar, the Servicer, any Paying Agent and the Depositor shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder.

(d)          Except with respect to the initial transfer of the Class R Certificates by the Depositor, no transfer, sale, pledge or other disposition of any Class R Certificate shall be made unless such disposition is exempt from the registration requirements of the Securities Act of 1933, as amended (the “1933 Act”), and any applicable state securities laws or is made in accordance with the 1933 Act and laws.  In the event of any such transfer, other than the transfer of the Tax Matters Person Residual Interest to the Trustee or (1) in reliance upon Rule 144A under the 1933 Act or (2) to an “accredited investor” as defined under Rule 501(a) (1), (2), (3) or (7) of the 1933 Act, the Trustee and the Depositor shall require either (i) a written Opinion of Counsel (which may be in-house counsel) acceptable to and
in form and substance reasonably satisfactory to the Trustee, the Seller and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from the 1933 Act or is being made pursuant to the 1933 Act, which Opinion of Counsel shall not be an expense of the Trustee, the Servicer, the Seller or the Depositor or (ii) the Trustee shall require the transferor to execute a transferor certificate (in substantially the form attached hereto as Exhibit K) and the transferee to execute an investment letter (in substantially the form attached hereto as Exhibit J) acceptable to and in form and substance reasonably satisfactory to the Seller and the Trustee certifying to the Seller and the Trustee the facts surrounding such transfer, which investment letter shall not be an expense of the Trustee, the Servicer, the Seller or the Depositor.  The Holder of a Class R Certificate desiring to effect such transfer shall, and
does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of a Class C or Class R Certificate shall be made unless the Trustee shall have received either (i) a representation letter from the transferee of such Certificate, acceptable to and in form and substance satisfactory to the Trustee, to the effect that such transferee is not acquiring such Certificate for, or on behalf of, an employee benefit plan or other retirement arrangement subject to Section 406 of ERISA or Section 4975 of the Code or any entity deemed to hold the plan assets of the foregoing (each, a “Plan”), which representation letter shall not be an expense of the Trustee, the Servicer, the Seller or the Depositor, or (ii) in the case of a Class C Certificate, if such Certificate has been offered in a placement or underwriting which meets the requirements of the Prohibited Transaction Exemption 2002-41, 67 Fed. Reg. 54487 (2002), as amended (or any
successor thereto), or any substantially similar administrative exemption granted by the U.S. Department of Labor, a representation letter that the purchaser is an insurance company which is purchasing such Certificates with funds contained in or “insurance company general account” (as such term is defined in Section V(e) of Prohibited Transaction Class Exemption (“PTCE”) 95-60) and the conditions of Sections I and III of PTCE 95-60 have been satisfied, or (iii) an Opinion of Counsel satisfactory to the Trustee to the effect that the purchase or holding of such Certificate will not result in prohibited transactions under Section 406 of ERISA or Section 4975 of the Code and will not subject the Trustee, the Servicer, the 

 

Seller or the Depositor to any obligation in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of the above parties or the Trust.  Notwithstanding anything else to the contrary herein, in the event any purported transfer of any Class C or Class R Certificate is made without delivery of the appropriate representation letter referred to above, such representation shall be deemed to have been made by the Transferee by its acceptance of such Certificate.  In addition, any purported transfer of a Class R Certificate to or on behalf of a Plan without the delivery to the Trustee of an Opinion of Counsel satisfactory to the Trustee as described above shall be void and of no effect.

Each Person who has or who acquires any Ownership Interest in a Class R Certificate shall be deemed by the acceptance or acquisition of such Ownership Interest to have agreed to be bound by the following provisions and to have irrevocably appointed the Depositor or its designee as its attorney-in-fact to negotiate the terms of any mandatory sale under clause (v) below and to execute all instruments of transfer and to do all other things necessary in connection with any such sale, and the rights of each Person acquiring any Ownership Interest in a Class R Certificate are expressly subject to the following provisions:

(i)           Each Person holding or acquiring any Ownership Interest in a Class R Certificate shall be a Permitted Transferee and shall promptly notify the Trustee of any change or impending change in its status as a Permitted Transferee.

(ii)          No Person shall acquire an ownership Interest in a Class R Certificate unless such Ownership Interest is a pro rata undivided interest.

(iii)        In connection with any proposed transfer of any Ownership Interest in a Class R Certificate, the Trustee shall as a condition to such consent, require delivery to it, in form and substance satisfactory to it, of each of the following:

A.           an affidavit in the form of Exhibit G hereto from the proposed transferee to the effect that such transferee is a Permitted Transferee and that it is not acquiring its Ownership Interest in the Class R Certificate that is the subject of the proposed transfer as a nominee, trustee or agent for any Person who is not a Permitted Transferee; and

B.           a covenant of the proposed transferee to the effect that the proposed transferee agrees to be bound by and to abide by the transfer restrictions applicable to the Class R Certificates.

(iv)         Any attempted or purported transfer of any Ownership Interest in a Class R Certificate in violation of the provisions of this Section 6.02 shall be absolutely null and void and shall vest no rights in the purported transferee. If any purported transferee shall, in violation of the provisions of this Section 6.02, become a Holder of a Class R Certificate, then the prior Holder of such Class R Certificate that is a Permitted Transferee shall, upon discovery that the registration of transfer of such Class R Certificate was not in fact permitted by this Section 6.02, be restored to all rights as Holder thereof retroactive to the date of registration of transfer of such Class R Certificate. The Trustee shall be under no liability to any Person for any registration of transfer
of a Class R Certificate that is in fact not permitted by this Section 6.02 or for 

 

making any distributions due on such Class R Certificate to the Holder thereof or taking any other action with respect to such Holder under the provisions of the Agreement so long as the transfer was not registered upon the express written consent of the Trustee. The Trustee shall be entitled to recover from any Holder of a Class R Certificate that was in fact not a Permitted Transferee at the time such distributions were made all distributions made on such Class R Certificate. Any such distributions so recovered by the Trustee shall be distributed and delivered by the Trustee to the prior Holder of such Class R Certificate that is a Permitted Transferee.

(v)          If any Person other than a Permitted Transferee acquires any Ownership Interest in a Class R Certificate in violation of the restrictions in this Section 6.02, then the Trustee shall have the right but not the obligation, without notice to the Holder of such Class R Certificate or any other Person having an Ownership Interest therein, to notify the Depositor to arrange for the sale of such Class R Certificate. The proceeds of such sale, net of commissions (which may include commissions payable to the Depositor or its affiliates in connection with such sale), expenses and taxes due, if any, will be remitted by the Trustee to the previous Holder of such Class R Certificate that is a Permitted Transferee, except that in the event that the Trustee determines that the
Holder of such Class R Certificate may be liable for any amount due under this Section 6.02 or any other provisions of this Agreement, the Trustee may withhold a corresponding amount from such remittance as security for such claim. The terms and conditions of any sale under this clause (v) shall be determined in the sole discretion of the Trustee, and it shall not be liable to any Person having an Ownership Interest in a Class R Certificate as a result of its exercise of such discretion.

(vi)         If any Person other than a Permitted Transferee acquires any Ownership Interest in a Class R Certificate in violation of the restrictions in this Section 6.02, then the Trustee, based on information provided to the Trustee by the Depositor will provide to the Internal Revenue Service, and to the persons specified in Section 860E(e)(3) and (6) of the Code, information needed to compute the tax imposed under Section 860E(e)(5) of the Code on transfers of residual interests to disqualified organizations.

The foregoing provisions of this Section 6.02 (d) shall cease to apply to transfers occurring on or after the date on which there shall have been delivered to the Trustee, in form and substance satisfactory to the Trustee and the Certificate Insurer, (i) written notification from each Rating Agency that the removal of the restrictions on Transfer set forth in this Section 6.02 will not cause such Rating Agency to downgrade its rating of the Class A Certificates without taking into account the Certificate Insurance Policy, and (ii) an Opinion of Counsel to the effect that such removal will not cause any REMIC created hereunder to fail to qualify as a REMIC.

The Tax Matters Person Residual Interest shall at all times be registered in the name of the Trustee.

(e)          No service charge shall be made for any registration of transfer or exchange of Certificates of any Class, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

 

 

All Certificates surrendered for registration of transfer or exchange shall be cancelled by the Certificate Registrar and disposed of pursuant to its standard procedures.

	
             
  	
            Section 6.03
 	
            Mutilated, Destroyed, Lost or Stolen Certificates.
 

If (i) any mutilated Certificate is surrendered to the Certificate Registrar or the Certificate Registrar receives evidence to its satisfaction of the destruction, loss or theft of any Certificate, and (ii) there is delivered to the Trustee, the Depositor and the Certificate Registrar such security or indemnity as may be required by them to save each of them harmless, then, in the absence of notice to the Trustee or the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Trustee shall execute, authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor and Percentage Interest. Upon the issuance of any new Certificate under this Section 6.03, the Trustee or the Certificate Registrar may require the payment of a sum sufficient to cover any tax or other governmental
charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee and the Certificate Registrar) in connection therewith. Any duplicate Certificate issued pursuant to this Section 6.03 shall constitute complete and indefeasible evidence of ownership in the Trust, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time.

	
             
  	
            Section 6.04
 	
            Persons Deemed Owners.
 

Prior to due presentation of a Certificate for registration of transfer, the Servicer, the Depositor, the Trustee, the Certificate Registrar, the Certificate Insurer, any Paying Agent and any agent of the Servicer, the Depositor, the Trustee, any Paying Agent, the Certificate Registrar or the Certificate Insurer may treat the Person, including a Depository, in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 5.01 and for all other purposes whatsoever, and none of the Servicer, the Trustee, the Certificate Registrar, the Certificate Insurer nor any agent of any of them shall be affected by notice to the contrary.

	
             
  	
            Section 6.05
 	
            Appointment of Paying Agent.
 

(a)          The Paying Agent shall make distributions to Certificateholders from the Distribution Account pursuant to Section 5.01 and shall report the amounts of such distributions to the Trustee. The duties of the Paying Agent may include the obligation (i) to withdraw funds from the Collection Account pursuant to Section 3.03 and for the purpose of making the distributions referred to above, and (ii) to distribute statements and provide information to Certificateholders as required hereunder. The Paying Agent hereunder shall at all times be a corporation duly incorporated and validly existing under the laws of the United States of America or any state thereof, authorized under such laws to exercise corporate trust powers and subject to supervision or examination by federal or state authorities. The Paying Agent shall initially
be the Trustee. The Trustee may appoint a successor to act as Paying Agent, which appointment shall be reasonably satisfactory to the Depositor.

(b)          The Trustee shall cause the Paying Agent (if other than the Trustee) to execute and deliver to the Trustee an instrument in which such Paying Agent shall agree with the Trustee that such Paying Agent shall hold all sums, if any, held by it for payment to the Certificateholders in trust for the benefit of the Certificateholders entitled thereto until such sums shall be paid to such Certificateholders and shall agree that it shall comply with all requirements of the Code regarding the withholding of payments in respect of Federal income taxes due from Certificate Owners and otherwise comply with the provisions of this Agreement applicable to it.

 

 

ARTICLE VII

 

The Seller, the Servicer and the Depositor

	
             
  	
            Section 7.01
 	
            Liability of the Seller, the Servicer and the Depositor.
 

The Seller and the Servicer shall be liable in accordance herewith only to the extent of the obligations specifically imposed upon and undertaken by the Seller or Servicer, as the case may be, herein. The Depositor shall be liable in accordance herewith only to the extent of the obligations specifically imposed upon and undertaken by the Depositor.

Section 7.02      Merger or Consolidation of, or Assumption of the Obligations of, the Seller, the Servicer or the Depositor.

Any corporation into which the Seller, the Servicer or Depositor may be merged or consolidated, or any corporation resulting from any merger, conversion or consolidation to which the Seller, the Servicer or the Depositor shall be a party, or any corporation succeeding to the business of the Seller, the Servicer or the Depositor, shall be the successor of the Seller, the Servicer or the Depositor, as the case may be, hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding.

	
             
  	
            Section 7.03
 	
            Limitation on Liability of the Servicer and Others.
 

Neither the Servicer nor any of the directors or officers or employees or agents of the Servicer shall be under any liability to the Trust or the Certificateholders for any action taken or for refraining from the taking of any action by the Servicer in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Servicer or any such Person against any liability which would otherwise be imposed by reason of its willful misfeasance, bad faith or gross negligence in the performance of duties of the Servicer or by reason of its reckless disregard of its obligations and duties of the Servicer hereunder; and provided, further, that this
provision shall not be construed to entitle the Servicer to indemnity in the event that amounts advanced by the Servicer to retire any senior lien exceed Net Liquidation Proceeds realized with respect to the related Mortgage Loan. The preceding sentence shall not limit the obligations of the Servicer pursuant to Section 9.05. The Servicer and any director or officer or employee or agent of the Servicer may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder. The Servicer and any director or officer or employee or agent of the Servicer shall be indemnified by the Trust and held harmless against any loss, liability or expense incurred in connection with any legal action relating to this Agreement or the Certificates, other than any loss, liability or expense related to any specific Mortgage Loan or Mortgage Loans (except as any such loss, liability
or expense shall be otherwise reimbursable pursuant to this Agreement) and any loss, liability or expense incurred by reason of its willful misfeasance, bad faith or gross negligence in the performance of duties hereunder or by reason of its reckless disregard of obligations and duties hereunder. The Servicer may in its sole discretion undertake any such action which it may deem necessary or desirable in respect of this Agreement, and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, 

 

the reasonable legal expenses and costs of such action and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust and the Servicer shall be entitled to be reimbursed therefor pursuant to Section 3.03(viii). The Servicer’s right to indemnity or reimbursement pursuant to this Section 7.03 shall survive any resignation or termination of the Servicer pursuant to Section 7.04 or 8.01 with respect to any losses, expenses, costs or liabilities arising prior to such resignation or termination (or arising from events that occurred prior to such resignation or termination).

	
             
  	
            Section 7.04
 	
            Servicer Not to Resign.
 

Subject to the provisions of Section 7.02, the Servicer shall not resign from the obligations and duties hereby imposed on it except (i) upon determination that the performance of its obligations or duties hereunder are no longer permissible under applicable law or are in material conflict by reason of applicable law with any other activities carried on by it or its subsidiaries or Affiliates, the other activities of the Servicer so causing such a conflict being of a type and nature carried on by the Servicer or its subsidiaries or Affiliates at the date of this Agreement, or (ii) upon satisfaction of the following conditions: (a) the Servicer has proposed a successor servicer to the Trustee in writing and such proposed successor servicer is reasonably acceptable to the Trustee; (b) each Rating Agency shall have delivered a letter to the Trustee prior to the appointment of the successor
servicer stating that the proposed appointment of such successor servicer as Servicer hereunder will not result in the reduction or withdrawal of the then current rating of the Class A Certificates without giving effect to the Certificate Insurance Policy; and (c) such proposed successor servicer is reasonably acceptable to the Certificate Insurer, as evidenced by a letter to the Trustee; provided, however, that no such resignation by the Servicer shall become effective until such successor servicer or, in the case of (i) above, the Trustee shall have assumed the Servicer’s responsibilities and obligations hereunder or the Trustee shall have designated a successor servicer in accordance with Section 8.02. Any such resignation shall not relieve the Servicer of responsibility for any of the obligations specified in Sections 8.01 and 8.02 as obligations that survive the resignation or
termination of the Servicer. Any such determination permitting the resignation of the Servicer pursuant to clause (i) above shall be evidenced by an Opinion of Counsel to such effect delivered to the Trustee and the Certificate Insurer. Any such determination permitting the resignation of the Servicer shall be evidenced by an Opinion of Counsel to such effect delivered to the Trustee and the Certificate Insurer.

	
             
  	
            Section 7.05
 	
            Delegation of Duties.
 

In the ordinary course of business, the Servicer at any time may delegate any of its duties hereunder to any Person, including any of its Affiliates, who agrees to conduct such duties in accordance with standards comparable to those set forth in Section 3.01. Such delegation shall not relieve the Servicer of its liabilities and responsibilities with respect to such duties and shall not constitute a resignation within the meaning of Section 7.04. The Servicer shall provide the Certificate Insurer and the Trustee with written notice prior to the delegation of any of its duties to any Person other than any of the Servicer’s Affiliates or their respective successors and assigns.

 

 

	
             
  	
            Section 7.06
 	
            Indemnification of the Trust by the Servicer.  
 

The Servicer shall indemnify and hold harmless the Trust and the Trustee from and against any loss, liability, expense, damage or injury suffered or sustained by reason of the Servicer’s activities or omissions in servicing or administering the Mortgage Loans that are not in accordance with this Agreement, including, but not limited to, any judgment, award, settlement, reasonable attorneys’ fees and other costs or expenses incurred in connection with the defense of any actual or threatened action, proceeding or claim related to the Servicer’s failure to perform hereunder. Any such indemnification shall not be payable from the assets of the Trust. The provisions of this indemnity shall run directly to and be enforceable by an injured party subject to the limitations hereof. The indemnification provided in this Section 7.06 shall survive the termination of this Agreement and
the removal or resignation of the Trustee hereunder.

 

 

ARTICLE VIII

 

Default

	
             
  	
            Section 8.01
 	
            Events of Default.
 

(a)          If any one of the following events (“Events of Default”) shall occur and be continuing:

(i)           (A) The failure by the Servicer to make any Monthly Advance; or (B) any other failure by the Servicer to deposit into the Collection Account any deposit required to be made under the terms of this Agreement which continues unremedied for a period of one Business Day after the date upon which written notice of such failure shall have been given to the Servicer by the Trustee or to the Servicer and the Trustee by the Certificate Insurer or to the Servicer and the Trustee by Holders of Class A Certificates evidencing not less than 25% of the Voting Rights; or

(ii)          The failure by the Servicer to make any required Servicing Advance which failure continues unremedied for a period of 30 days, or the failure by the Servicer duly to observe or perform, in any material respect, any other covenants, obligations or agreements of the Servicer as set forth in this Agreement, which materially and adversely affects the interests of the Class A Certificateholders or the Certificate Insurer and which failure continues unremedied for a period of 60 days, in each case, after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Servicer by the Trustee or to the Servicer and the Trustee by the Certificate Insurer or to the Servicer and the Trustee by Holders of Class A Certificates
evidencing not less than 25% of the Voting Rights; or

(iii)        The entry against the Servicer of a decree or order by a court or agency or supervisory authority having jurisdiction in the premises for the appointment of a trustee, conservator, receiver or liquidator in any insolvency, conservatorship, receivership, readjustment of debt, marshalling of assets and liabilities or similar proceedings, or for the winding up or liquidation of its affairs, and the continuance of any such decree or order unstayed and in effect for a period of 60 consecutive days; or

(iv)         The Servicer shall voluntarily go into liquidation, consent to the appointment of a conservator or receiver or liquidator or similar person in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings of or relating to the Servicer or of or relating to all or substantially all of its property, or a decree or order of a court or agency or supervisory authority having jurisdiction in the premises for the appointment of a conservator, receiver, liquidator or similar person in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings, or for the winding-up or liquidation of its affairs, shall have been entered against the Servicer and such decree or order shall have remained in force
undischarged, unbonded or unstayed for a period of 60 days; or the Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of any applicable insolvency or reorganization statute, make an 

 

assignment for the benefit of its creditors or voluntarily suspend payment of its obligations; or

	
             
  	
            (v)
 	
            a Servicer Termination Delinquency Event shall have occurred; or
 
	
             
  	
            (vi)
 	
            a Servicer Termination Loss Event shall have occurred;
 	
             

(b)          then, and in each and every such case, so long as an Event of Default shall not have been remedied, (x) with respect solely to clause (i)(A) above, if such Monthly Advance is not made by 12:00 Noon New York time on the second Business Day prior to the applicable Distribution Date, the Trustee, upon receipt of written notice or discovery by a Responsible Officer of such failure, shall give immediate telephonic notice of such failure to a Servicing Officer of the Servicer and to the Certificate Insurer and the Trustee shall terminate all of the rights and obligations of the Servicer under this Agreement and the Trustee, or a successor servicer appointed in accordance with Section 8.02, shall immediately make such Monthly Advance and assume, pursuant to Section 8.02 hereof, the duties of a successor Servicer; (y) in the
case of clauses (i)(B), (ii), (iii) and (iv), the Trustee shall, at the direction of the Certificate Insurer or the Holders of the Class A Certificates evidencing not less than 51% of the Voting Rights, and (z) in the case of (i)(B)(v) and (vi), the Certificate Insurer may, in accordance with the terms of the Insurance Agreement, by notice then given in writing to the Servicer (and to the Trustee if given by Holders of Certificates), terminate all of the rights and obligations of the Servicer as servicer under this Agreement. Any such notice to the Servicer shall also be given to each Rating Agency, the Depositor and the Certificate Insurer. On or after the receipt by the Servicer of such written notice, all authority and power of the Servicer under this Agreement, whether with respect to the Certificates or the Mortgage Loans or otherwise, shall pass to and be vested in the Trustee pursuant to and under this Section 8.01; and, without limitation, the Trustee is hereby authorized and
empowered to execute and deliver, on behalf of the Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement of each Mortgage Loan and related documents, or otherwise. The Servicer agrees to cooperate with the Trustee in effecting the termination of the responsibilities and rights of the Servicer hereunder, including, without limitation, the transfer to the Trustee for the administration by it of all cash amounts that shall at the time be held by the Servicer and to be deposited by it in the Collection Account, or that have been deposited by the Servicer in the Collection Account or thereafter received by the Servicer with respect to the Mortgage Loans. All reasonable costs and expenses (including attorneys’ fees) incurred in connection with transferring the Mortgage Files to
the successor Servicer and amending this Agreement to reflect such succession as Servicer pursuant to this Section 8.01 shall be paid by the predecessor Servicer (or if the predecessor Servicer is the Trustee, the initial Servicer) upon presentation of reasonable documentation of such costs and expenses.

Notwithstanding the foregoing, a delay in or failure of performance under Section 8.01(i) for a period of ten Business Days, or under Section 8.01(ii), for a period of 60 Business Days, shall not constitute an Event of Default if such delay or failure could not be prevented by the exercise of reasonable diligence by the Servicer and such delay or failure was caused by an act of God or the public enemy, acts of declared or undeclared war, public disorder, rebellion or sabotage, epidemics, landslides, lightning, fire, hurricanes, earthquakes, floods or similar causes. 

 

The preceding sentence shall not relieve the Servicer from using its best efforts to perform its respective obligations in a timely manner in accordance with the terms of this Agreement and the Servicer shall provide the Trustee, the Certificate Insurer and the Certificateholders with an Officers’ Certificate giving prompt notice of such failure or delay by it, together with a description of its efforts to so perform its obligations. The Servicer shall immediately notify the Trustee in writing of any Events of Default.

	
             
  	
            Section 8.02
 	
            Trustee to Act; Appointment of Successor.
 

(a)          On and after the time the Servicer receives a notice of termination pursuant to Section 8.01 or 7.04, the Trustee shall be the successor in all respects to the Servicer in its capacity as servicer under this Agreement and the transactions set forth or provided for herein and shall be subject to all the responsibilities, duties and liabilities relating thereto placed on the Servicer by the terms and provisions hereof arising on and after its succession. As compensation therefor, the Trustee shall be entitled to such compensation as the Servicer would have been entitled to hereunder if no such notice of termination had been given. Notwithstanding the above, (i) if the Trustee is unwilling to act as successor Servicer, or (ii) if the Trustee is legally unable so to act, the Trustee may (in the situation described in
clause (i)) or shall (in the situation described in clause (ii)) appoint or petition a court of competent jurisdiction to appoint, any established housing and home finance institution, bank or other mortgage loan or home equity loan servicer having a net worth of not less than $25,000,000 as the successor to the Servicer hereunder in the assumption of all or any part of the responsibilities, duties or liabilities of the Servicer hereunder; provided, that any such successor Servicer shall be acceptable to the Certificate Insurer, as evidenced by the Certificate Insurer’s prior written consent which consent shall not be unreasonably withheld; and provided, further, that the appointment of any such successor Servicer will not result in the qualification, reduction or withdrawal of the ratings assigned to the Certificates by the Rating Agencies without giving effect to the Certificate Insurance Policy. Pending appointment of a successor to the Servicer hereunder,
unless the Trustee is prohibited by law from so acting, the Trustee shall act in such capacity as hereinabove provided. In connection with such appointment and assumption, the successor shall be entitled to receive compensation out of payments on Mortgage Loans in an amount equal to the compensation which the Servicer would otherwise have received pursuant to Section 3.09 (or such lesser compensation as the Trustee and such successor shall agree). The appointment of a successor Servicer shall not affect any liability of the predecessor Servicer which may have arisen under this Agreement prior to its termination as Servicer to pay any deductible under an insurance policy pursuant to Section 3.05 or to indemnify the Trustee pursuant to Section 7.06), nor shall any successor Servicer be liable for any acts or omissions of the predecessor Servicer or for any breach by such Servicer of any of its representations or warranties contained herein or in any related document or agreement. The
Trustee and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. The Trustee shall pay to the Servicer the amount, if any, paid by a successor servicer for the servicing rights, after payment of the expenses of sale and amounts owed by the terminated Servicer to the Trust.

(b)          Any successor, including the Trustee, to the Servicer as servicer shall during the term of its service as servicer (i) continue to service and administer the Mortgage Loans for the benefit of Certificateholders and the Certificate Insurer, (ii) maintain in force a policy or policies of insurance covering errors and omissions in the performance of its obligations as Servicer hereunder and a fidelity bond in respect of its officers, employees and agents to the same extent as the Servicer is so required pursuant to Section 3.06.  Notwithstanding anything herein to the contrary, in no event shall the Trustee be liable for any Servicing Fee or for any differential in the amount of the Servicing Fee paid hereunder and the amount necessary to induce any successor Servicer to act as successor Servicer under this Agreement and the transactions set
forth or provided for herein.

	
             
  	
            Section 8.03
 	
            Waiver of Defaults.
 

The Holders of the Class A Certificates evidencing not less than 51% of the Voting Rights may, on behalf of all Certificateholders, and subject to the consent of the Certificate Insurer, waive any events permitting removal of the Servicer as servicer pursuant to this Article VIII; provided, however, that the Majority Certificateholders may not waive a default in making a required distribution on a Certificate without the consent of the Holder of such Certificate. Upon any waiver of a past default, such default shall cease to exist, and any Event of Default arising therefrom shall be deemed to have been remedied for every purpose of this Agreement. No such waiver shall extend to any subsequent or other default or impair any right consequent thereto except to the extent expressly so waived. Notice
of any such waiver shall be given by the Trustee to the Rating Agencies.

Section 8.04      Rights of the Certificate Insurer to Exercise Rights of Class A Certificateholders.

By accepting its Certificate, each Class A Certificateholder agrees that unless a Certificate Insurer Default exists, the Certificate Insurer shall be deemed to be the Certificateholders for all purposes (other than with respect to payment on the Certificates) and shall have the right to exercise all rights of the Class A Certificateholders under this Agreement and under the Class A Certificates without any further consent of the Class A Certificateholders, including, without limitation:

(a)          the right to require the Seller to repurchase Mortgage Loans pursuant to Section 2.02 or 2.04 hereof;

(b)          the right to give notices of breach or to terminate the rights and obligations of the Servicer as servicer pursuant to Section 8.01 hereof and to consent to or direct waivers of Servicer defaults pursuant to Section 8.03 hereof;

(c)          the right to direct the actions of the Trustee during the continuance of a Servicer default pursuant to Sections 8.01 and 8.02 hereof;

(d)          the right to institute proceedings against the Servicer pursuant to Section 8.01 hereof;

(e)          the right to direct the Trustee to investigate certain matters pursuant to Section 9.02 hereof;

	
             
  	
            (f)
 	
            the right to remove the Trustee pursuant to Section 9.07 hereof;
 

 

 

 

(g)          the right to direct foreclosures upon the failure of the Servicer to do so in accordance with this Agreement; and;

(h)          any rights or remedies expressly given the Holders of the Class A Certificates evidencing 51% or more of the Voting Rights.;

In addition, each Certificateholder agrees that, subject to Section 11.01, unless a Certificate Insurer Default exists, the rights specifically enumerated above may be exercised by the Certificateholders only with the prior written consent of the Certificate Insurer.

Notwithstanding anything contained herein to the contrary, the Trustee shall not be bound, obligated or required to take any action at the request or direction of any of the Certificateholder or the Certificate Insurer pursuant to this Agreement if such Certificateholders or the Certificate Insurer shall not have made available to the Trustee security or indemnity reasonably acceptable to the Trustee against the costs, expenses and liabilities (including fees and expenses of its agents and counsel) which might be incurred by it in compliance with such written request or direction.

	
             
  	
            Section 8.05
 	
            Trustee To Act Solely with Consent of the Certificate Insurer.
 

Unless a Certificate Insurer Default exists, the Trustee shall not, without the Certificate Insurer’s consent or unless directed by the Certificate Insurer:

(a)          terminate the rights and obligations of the Servicer as Servicer pursuant to Section 8.01 hereof;

(b)          agree to any amendment pursuant to Article XI hereof; provided, however, that, to the extent provided in Article XI, such consent shall not be unreasonably withheld; or

	
             
  	
            (c)
 	
            undertake any litigation.
 

The Certificate Insurer may, in writing and in its sole discretion renounce all or any of its rights under Section 8.04, 8.05 or 8.06 or any requirement for the Certificate Insurer’s consent for any period of time.

Section 8.06      Mortgage Loans, Trust and Accounts Held for Benefit of the Certificate Insurer.

The Trustee shall hold the Trust and the Mortgage Files for the benefit of the Certificateholders and the Certificate Insurer and all references in this Agreement and in the Certificates to the benefit of Holders of the Certificates shall be deemed to include the Certificate Insurer. The Trustee shall cooperate in all reasonable respects with any reasonable request by the Certificate Insurer for action to preserve or enforce the Certificate Insurer’s rights or interests under this Agreement and the Certificates unless, as stated in an Opinion of Counsel addressed to the Trustee and the Certificate Insurer, such action is adverse to the interests of the Certificateholders or diminishes the rights of the Certificateholders or imposes additional burdens or restrictions on the Certificateholders.

 

 

The Servicer hereby acknowledges and agrees that it shall service the Mortgage Loans for the benefit of the Certificateholders and for the benefit of the Certificate Insurer, and all references in this Agreement to the benefit of or actions on behalf of the Certificateholders shall be deemed to include the Certificate Insurer.

	
             
  	
            Section 8.07
 	
            Certificate Insurer Default.
 

Notwithstanding anything elsewhere in this Agreement or in the Certificates to the contrary, if a Certificate Insurer Default exists, or if and to the extent the Certificate Insurer has delivered its written renunciation of its rights, the provisions of this Article VIII and all other provisions of this Agreement which (a) permit the Certificate Insurer to exercise rights of the Certificateholders, (b) restrict the ability of the Certificateholders, the Servicer or the Trustee to act without the consent or approval of the Certificate Insurer, (c) provide that a particular act or thing must be acceptable to the Certificate Insurer, (d) permit the Certificate Insurer to direct (or otherwise to require) the actions of the Trustee, the Servicer or the Certificateholders, (e) provide that any action or omission taken with the consent, approval or authorization of the Certificate Insurer shall
be authorized hereunder or shall not subject the party taking or omitting to take such action to any liability hereunder, or (f) which have a similar effect, shall be of no further force and effect and the Trustee shall administer the Trust and perform its obligations hereunder solely for the benefit of the Holders of the Certificates. Nothing in the foregoing sentence, nor any action taken pursuant thereto or in compliance therewith, shall be deemed to have released the Certificate Insurer from any obligation or liability it may have to any party or to the Certificateholders hereunder, under any other agreement, instrument or document (including, without limitation, the Certificate Insurance Policy) or under applicable law.

	
             
  	
            Section 8.08
 	
            Notification to Certificateholders.
 

Upon any termination or appointment of a successor to the Servicer pursuant to this Article VIII or Section 7.04, the Trustee shall give prompt written notice thereof to the Certificateholders at their respective addresses appearing in the Certificate Register, the Certificate Insurer and each Rating Agency.

 

 

ARTICLE IX

 

The Trustee

	
             
  	
            Section 9.01
 	
            Duties of Trustee.
 

The Trustee, prior to the occurrence of an Event of Default and after the curing of all Events of Default which may have occurred, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. If an Event of Default has occurred (which has not been cured) of which a Responsible Officer has knowledge, the Trustee shall exercise such of the rights and powers vested in it by this Agreement, and use the same degree of care and skill in their exercise, as a prudent man would exercise or use under the circumstances in the conduct of his own affairs.

The Trustee, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to the Trustee which are specifically required to be furnished pursuant to any provision of this Agreement, shall examine them to determine whether they conform to the requirements of this Agreement.

No provision of this Agreement shall be construed to relieve the Trustee from liability for its own negligent action, its own negligent failure to act or its own misconduct; provided, however, that:

(i)           prior to the occurrence of an Event of Default, and after the curing of all such Events of Default which may have occurred, the duties and obligations of the Trustee shall be determined solely by the express provisions of this Agreement, the Trustee shall not be liable except for the performance of such duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee and, in the absence of bad faith on the part of the Trustee, the Trustee may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon any certificates or opinions furnished to the Trustee and conforming to the requirements of this Agreement;

(ii)          the Trustee shall not be personally liable for an error of judgment made in good faith by a Responsible Officer of the Trustee, unless it shall be proved that the Trustee was negligent in ascertaining or investigating the facts related thereto;

(iii)        the Trustee shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the consent or direction of the Certificate Insurer or in accordance with the direction of the Holders of Class A Certificates evidencing not less than 51% of the Voting Rights relating to the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising or omitting to exercise any trust or power conferred upon the Trustee, under this Agreement; and

(iv)         the Trustee shall not be charged with knowledge of any failure by the Servicer to comply with the obligations of the Servicer referred to in clauses (i) and (ii) of Section 8.01 unless a Responsible Officer of the Trustee at the Corporate Trust Office 

 

obtains actual knowledge of such failure or the Trustee receives written notice of such failure from the Servicer, the Certificate Insurer or the Holders of Class A Certificates evidencing not less than 51% of the Voting Rights.

The Trustee shall not be required to expend or risk its own funds or otherwise incur financial liability in the performance of any of its duties hereunder, or in the exercise of any of its rights or powers, if there is reasonable ground for believing that the repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it, and none of the provisions contained in this Agreement shall in any event require the Trustee to perform, or be responsible for the manner of performance of, any of the obligations of the Servicer under this Agreement, except during such time, if any, as the Trustee shall be the successor to, and be vested with the rights, duties, powers and privileges of, the Servicer in accordance with the terms of this Agreement.

	
             
  	
            Section 9.02
 	
            Certain Matters Affecting the Trustee.
 	
             

	
             
  	
            (a)
 	
            Except as otherwise provided in Section 9.01:
 
					

(i)           the Trustee may request and rely upon, and shall be protected in acting or refraining from acting upon, any resolution, Officer’s Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document reasonably believed by it to be genuine and to have been signed or presented by the proper party or parties;

(ii)          the Trustee may consult with counsel and any written advice of such counsel or any opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance with such advice or opinion of Counsel;

(iii)        the Trustee shall be under no obligation to exercise any of the rights or powers vested in it by this Agreement, or to institute, conduct or defend any litigation hereunder or in relation hereto, at the request, order or direction of any of the Certificateholders or the Certificate Insurer, pursuant to the provisions of this Agreement, unless such Certificateholders or the Certificate Insurer shall have offered to the Trustee reasonable security or indemnity against the costs, expenses and liabilities which may be incurred therein or thereby; the right of the Trustee to perform any discretionary act enumerated in this Agreement shall not be construed as a duty, and the Trustee shall not be answerable for other than its negligence or willful misconduct in the performance of any
such act; nothing contained herein shall, however, relieve the Trustee of the obligations, upon the occurrence of an Event of Default (which has not been cured) of which a Responsible Officer has knowledge, to exercise such of the rights and powers vested in it by this Agreement, and to use the same degree of care and skill in their exercise as a prudent man would exercise or use under the circumstances in the conduct of his own affairs;

 

 

(iv)         the Trustee shall not be personally liable for any action taken, suffered or omitted by it in good faith and believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Agreement;

(v)          prior to the occurrence of an Event of Default and after the curing of all Events of Default which may have occurred, the Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or documents, unless requested in writing to do so by Holders of Certificates evidencing not less than 51% of the Voting Rights; provided, however, that if the payment within a reasonable time to the Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the
Trustee, not reasonably assured to the Trustee by the security afforded to it by the terms of this Agreement, the Trustee may require reasonable indemnity against such cost, expense or liability as a condition to such proceeding. The reasonable expense of every such examination shall be paid by the Servicer or, if paid by the Trustee, shall be reimbursed by the Servicer upon demand. Nothing in this clause (v) shall derogate from the obligation of the Servicer to observe any applicable law prohibiting disclosure of information regarding the Mortgagors;

(vi)         the Trustee shall not be accountable, shall have no liability and makes no representation as to any acts or omissions hereunder of the Servicer until such time as the Trustee may be required to act as Servicer pursuant to Section 8.02;

(vii)       the Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys or a custodian; 

(viii)      the right of the Trustee to perform any discretionary act enumerated in this Agreement shall not be construed as a duty, and the Trustee shall not be answerable for other than its negligence or willful misconduct in the performance of such act; and

(ix)         the Trustee is hereby directed by the Seller to execute and deliver the Corridor Contract on behalf of the Trust in the form presented by the Seller.  Every provision of this Agreement relating to the conduct or affecting the liability of or affording protection to the Trustee shall apply to the Trustee’s execution of the Corridor Contract, and the performance of its duties and satisfaction of its obligations thereunder.  

(x)          In order to comply with its duties under the U.S. Patriot Act, the Custodian shall obtain and verify certain information and documentation from the other parties to this Agreement, including, but not limited to, such parties’ name, address, and other identifying information.

(b)          It is intended that each REMIC created hereunder shall constitute, and that the affairs of each REMIC created hereunder shall be conducted so as to qualify it as, a REMIC as defined in and in accordance with the REMIC Provisions. In furtherance of such intention, the Trustee covenants and agrees that it shall act as agent (and the Trustee is hereby appointed to act 

 

as agent) and as Tax Matters Person on behalf of each REMIC created hereunder, and that in such capacities, it shall:

(i)           prepare, sign and file, or cause to be prepared and filed, in a timely manner, a U.S. Real Estate Mortgage Investment Conduit Income Tax Return (Form 1066) and any other Tax Return required to be filed by each REMIC created hereunder, using a calendar year as the taxable year for each REMIC created hereunder;

(ii)          make, or cause to be made, an election, on behalf of each REMIC created hereunder, to be treated as a REMIC on the federal tax return of each such REMIC for its first taxable year;

(iii)         prepare and forward, or cause to be prepared and forwarded, to the Trustee, the Certificateholders and to the Internal Revenue Service and any other relevant governmental taxing authority all information returns or reports as and when required to be provided to them in accordance with the REMIC Provisions;

(iv)         to the extent that the affairs of each REMIC created hereunder are within its control, conduct such affairs of each such REMIC at all times that any Certificates are outstanding so as to maintain the status of each such REMIC as a REMIC under the REMIC Provisions and any other applicable federal, state and local laws, including, without limitation, information reports relating to “original issue discount,” as defined in the Code, based upon the Prepayment Assumption and calculated by using the issue price of the Certificates;

(v)          not knowingly or intentionally take any action or omit to take any action that would cause the termination of the REMIC status of any REMIC created hereunder;

(vi)         pay the amount of any and all federal, state, and local taxes, including, without limitation, any minimum tax imposed by Section 23151(a) and 23153(a) of the California Revenue and Taxation Code upon the Trustee or the Certificateholders in connection with the Trust or the Mortgage Loans, prohibited transaction taxes as defined in Section 860F of the Code, other than any amount due as a result of a transfer or attempted or purported transfer in violation of Section 6.02, imposed on the Trust when and as the same shall be due and payable (but such obligation shall not prevent the Trustee or any other appropriate Person from contesting any such tax in appropriate proceedings and shall not prevent the Trustee from withholding payment of such tax, if permitted by law, pending
the outcome of such proceedings).  The Trustee shall be entitled to reimbursement in accordance with Section 9.05 hereof;

(vii)       ensure that any such returns or reports filed on behalf of the Trust by the Trustee are properly executed by the appropriate person;

(viii)      represent the Trust in any administrative or judicial proceedings relating to an examination or audit by any governmental taxing authority, request an administrative adjustment as to any taxable year of the Trust, enter into settlement agreements with any government taxing agency, extend any statute of limitations relating to any item of the 

 

Trust and otherwise act on behalf of the Trust in relation to any tax matter involving the Trust;

(ix)         as provided in Section 5.05 hereof, make available information necessary for the computation of any tax imposed (1) on transferors of residual interests to transferees that are not Permitted Transferees, or (2) on pass-through entities, any interest in which is held by an entity which is not a Permitted Transferee. The Trustee covenants and agrees that it will cooperate with the Servicer in the foregoing matters and that it will sign, as Trustee, any and all Tax Returns required to be filed by the Trust. Notwithstanding the foregoing, at such time as the Trustee becomes the successor Servicer, the holder of the largest percentage of the Class R Certificates shall serve as Tax Matters Person until such time as an entity is appointed to succeed the Trustee as Servicer;

(x)          make available to the Internal Revenue Service and those Persons specified by the REMIC Provisions all information necessary to compute any tax imposed (A) as a result of the Transfer of an Ownership Interest in a Class R Certificate to any Person who is not a Permitted Transferee, including the information described in Treasury regulations sections 1.860D-1(b)(5) and 1.860E-2(a)(5) with respect to the “excess inclusions” of such Class R Certificate and (B) as a result of any regulated investment company, real estate investment trust, common trust fund, partnership, trust, estate or organization described in Section 1381 of the Code that holds an Ownership Interest in a Class R Certificate having as among its record holders at any time any Person that is not
a Permitted Transferee. Reasonable compensation for providing such information may be accepted by the Trustee;

(xi)         pay out of its own funds, without any right of reimbursement, any and all tax related expenses of the Trust (including, but not limited to, tax return preparation and filing expenses and any professional fees or expenses related to audits or any administrative or judicial proceedings with respect to the Trust that involve the Internal Revenue Service or state tax authorities), other than the expense of obtaining any Opinion of Counsel required pursuant to Sections 2.06, 3.07 and 10.02 and other than taxes except as specified herein; and

(xii)       Upon filing with the Internal Revenue Service, the Trustee shall furnish to the Holders of the Class R Certificates the Form 1066 and each Form 1066Q and shall respond promptly to written requests made not more frequently than quarterly by any Holder of Class R Certificates with respect to the following matters:

(1)          The original projected principal and interest cash flows on the Closing Date on each class of regular and residual interests created hereunder and on the Mortgage Loans, based on the Prepayment Assumption;

(2)          The projected remaining principal and interest cash flows as of the end of any calendar quarter with respect to each class of regular and residual interests created hereunder and the Mortgage Loans, based on the Prepayment Assumption;

 

 

(3)          The Prepayment Assumption and any interest rate assumptions used in determining the projected principal and interest cash flows described above;

(4)          The original issue discount (or, in the case of the Mortgage Loans, market discount) or premium accrued or amortized through the end of such calendar quarter with respect to each class of regular or residual interests created hereunder and with respect to the Mortgage Loans, together with each constant yield to maturity used in computing the same;

(5)          The treatment of losses realized with respect to the Mortgage Loans or the regular interests created hereunder, including the timing and amount of any cancellation of indebtedness income of each REMIC created hereunder with respect to such regular interests or bad debt deductions claims with respect to the Mortgage Loans; 

(6)          The amount and timing of any non-interest expenses of each REMIC created hereunder;

(7)          Any taxes (including penalties and interest) imposed on any REMIC created hereunder, including, without limitation, taxes on “prohibited transactions,” “contribution” or “net income from foreclosure property” or state or local income or franchise taxes; and

(8)          The Trustee shall furnish to the Trust Certificateholder copies of all investment trust returns and statements filed with the Internal Revenue Service relating to the REMICs created hereunder and the Trust Certificateholder, if any, filed since the preceding distribution.

	
             
  	
            Section 9.03
 	
            Trustee Not Liable for Certificates or Mortgage Loans.
 

The recitals contained herein and in the Certificates (other than the authentication of the Trustee on the Certificates) shall be taken as the statements of the Seller, and the Trustee assumes no responsibility for the correctness of the same. The Trustee makes no representations as to the validity or sufficiency of this Agreement or of the Certificates (other than the signature and authentication of the Trustee on the Certificates) or of any Mortgage Loan or related document. The Trustee shall not be accountable for the use or application by the Servicer, or for the use or application of any funds paid to the Servicer in respect of the Mortgage Loans or deposited in or withdrawn from the Collection Account by the Servicer. The Trustee shall at no time have any responsibility or liability for or with respect to the legality, validity and enforceability of any Mortgage or any Mortgage
Loan, or the perfection and priority of any Mortgage or the maintenance of any such perfection and priority, or for or with respect to the sufficiency of the Trust or its ability to generate the payments to be distributed to Certificateholders under this Agreement, including, without limitation: the existence, condition and ownership of any Mortgaged Property; the existence and enforceability of any hazard insurance thereon (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.02); the validity of the assignment of any Mortgage Loan to the Trustee or of any intervening assignment; the completeness of any Mortgage Loan; the performance or enforcement of any Mortgage Loan (other than if the Trustee shall assume the duties of the 

 

Servicer pursuant to Section 8.02); the compliance by the Depositor, the Seller or the Servicer with any warranty or representation made under this Agreement or in any related document or the accuracy of any such warranty or representation prior to the Trustee’s receipt of notice or other discovery of any noncompliance therewith or any breach thereof; any investment of monies by or at the direction of the Servicer or any loss resulting therefrom, it being understood that the Trustee shall remain responsible for any Trust property that it may hold in its individual capacity; the acts or omissions of any of the Servicer (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.02), any Subservicer or any Mortgagor; any action of the Servicer (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.02), or any Subservicer taken in the name of
the Trustee; the failure of the Servicer or any Subservicer to act or perform any duties required of it as agent of the Trustee hereunder; or any action by the Trustee taken at the instruction of the Servicer (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.02); provided, however, that the foregoing shall not relieve the Trustee of its obligation to perform its duties under this Agreement, including, without limitation, the Trustee’s duty to review the Mortgage Files pursuant to Section 2.01(d). The Trustee shall have no responsibility for filing any financing or continuation statement in any public office at any time or to otherwise perfect or maintain the perfection of any security interest or lien granted to it hereunder (unless the Trustee shall have become the successor Servicer).

	
             
  	
            Section 9.04
 	
            Trustee May Own Certificates.
 

The Trustee in its individual or any other capacity may become the owner or pledgee of Certificates with the same rights as it would have if it were not Trustee and may transact any banking and trust business with the Seller, the Servicer or the Depositor.

	
             
  	
            Section 9.05
 	
            Trustee Compensation; Payment of Trustee’s Expense by Servicer.  
 

(a)          The Trustee shall be entitled to receive the Trustee Fee in accordance with Section 3.03 as compensation for all services rendered by it in the execution of the trusts hereby created and in the exercise and performance of any of the powers and duties hereunder of the Trustee.

(b)          The Servicer covenants and agrees to pay or reimburse, from time to time out of the Servicing Fee or out of other funds, except as provided in Section 2.13(g), upon its request for all reasonable expenses, disbursements and advances incurred or made by the Trustee in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ) except any such expense, disbursement or advance as may arise from its negligence or bad faith or which is the responsibility of Certificateholders hereunder. In addition, except as provided in Section 2.13(g), the Servicer covenants and agrees to indemnify the Trustee and its officers, directors, employees and agents from, and hold it harmless against, any and all
losses, liabilities, damages, claims or expenses (i) incurred in connection with any legal action relating to this Agreement or the Certificates or by reason of its participation in the transactions contemplated herein, other than any loss, liability or expense incurred by reason of willful misfeasance, bad faith or negligence of the Trustee in the performance of its duties hereunder or by reason of the Trustee’s reckless disregard of obligations and duties hereunder, or (ii) resulting from any error 

 

in any tax or information return prepared by the Servicer. This section shall survive termination of this Agreement or the resignation or removal of any Trustee hereunder.

	
             
  	
            Section 9.06
 	
            Eligibility Requirements for Trustee.
 

The Trustee hereunder shall at all times be a corporation duly incorporated and validly existing under the laws of the United States of America or any state thereof, authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of at least $50,000,000 and a minimum long-term debt rating of “Baa3,” and subject to supervision or examination by federal or state authority. If such corporation publishes reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purposes of this Section 9.06, the combined capital and surplus of such corporation shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. The principal office of the Trustee (other than the initial Trustee) shall be in a state with
respect to which an Opinion of Counsel has been delivered to such Trustee at the time such Trustee is appointed Trustee to the effect that the Trust will not be a taxable entity under the laws of such state. In case at any time the Trustee shall cease to be eligible in accordance with the provisions of this Section 9.06, the Trustee shall resign immediately in the manner and with the effect specified in Section 9.07.

	
             
  	
            Section 9.07
 	
            Resignation or Removal of Trustee.
 

The Trustee may at any time resign and be discharged from the trusts hereby created by giving written notice thereof to the Depositor, the Servicer, the Certificate Insurer and each Rating Agency. Upon receiving such notice of resignation, the Depositor shall promptly appoint a successor Trustee (approved in writing by the Certificate Insurer, so long as such approval shall not be unreasonably withheld) by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Trustee and one copy to the successor Trustee; provided, however, that any such successor Trustee shall be subject to the prior written approval of the Servicer. If no successor Trustee shall have been so appointed and having accepted appointment within 30 days after the giving of such notice of
resignation, the resigning Trustee may petition any court of competent jurisdiction for the appointment of a successor Trustee.

If at any time the Trustee shall cease to be eligible in accordance with the provisions of Section 9.06 and shall fail to resign after written request therefor by the Depositor or the Certificate Insurer, or if at any time the Trustee shall be legally unable to act, or shall be adjudged a bankrupt or insolvent, or a receiver of the Trustee or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Depositor, the Servicer or the Certificate Insurer may remove the Trustee. If the Depositor, the Servicer or the Certificate Insurer removes the Trustee under the authority of the immediately preceding sentence, the Depositor shall promptly appoint a successor Trustee (approved in writing by the Certificate Insurer, so long as such approval is not
unreasonably withheld) by written instrument, in duplicate, one copy of which instrument shall be delivered to the Trustee so removed and one copy to the successor Trustee.

 

 

The Holders of Certificates evidencing Percentage Interests aggregating over 50% of all Class A Certificates may at any time remove the Trustee by written instrument or instruments delivered to the Servicer, the Depositor and the Trustee; the Depositor shall thereupon use its best efforts to appoint a successor Trustee in accordance with this Section.

Any resignation or removal of the Trustee and appointment of a successor Trustee pursuant to any of the provisions of this Section 9.07 shall not become effective until acceptance of appointment by the successor Trustee as provided in Section 9.08.

	
             
  	
            Section 9.08
 	
            Successor Trustee.
 

Any successor Trustee appointed as provided in Section 9.07 shall execute, acknowledge and deliver to the Depositor, the Servicer and to its predecessor Trustee and the Certificate Insurer an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor Trustee shall become effective and such successor Trustee, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with like effect as if originally named as Trustee. The Depositor, the Servicer and the predecessor Trustee shall execute and deliver such instruments and do such other things as may reasonably be required for fully and certainly vesting and confirming in the successor Trustee all such rights, powers, duties and obligations.

No successor Trustee shall accept appointment as provided in this Section 9.08 unless at the time of such acceptance such successor Trustee shall be eligible under the provisions of Section 9.06.

Upon acceptance of appointment by a successor Trustee as provided in this Section 9.08, the Servicer shall mail notice of the succession of such Trustee hereunder to all Holders of Certificates at their addresses as shown in the Certificate Register and to each Rating Agency. If the Servicer fails to mail such notice within 30 days after acceptance of appointment by the successor Trustee, the successor Trustee shall cause such notice to be mailed at the expense of the Servicer.

	
             
  	
            Section 9.09
 	
            Merger or Consolidation of Trustee.
 

Any corporation into which the Trustee may be merged or converted or with which it may be consolidated, or any corporation resulting from any merger, conversion or consolidation to which the Trustee shall be a party, or any corporation succeeding to the business of the Trustee, shall be the successor of the Trustee hereunder; provided, such corporation shall be eligible under the provisions of Section 9.06, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding.

	
             
  	
            Section 9.10
 	
            Appointment of Co-Trustee or Separate Trustee.
 

Notwithstanding any other provisions of this Agreement, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of the Trust or any Mortgaged Property may at the time be located, the Depositor and the Trustee acting jointly shall have the power and shall execute and deliver all instruments to appoint one or more Persons 

 

approved by the Trustee and the Certificate Insurer to act as co-trustee or co-trustees, jointly with the Trustee, or separate trustee or separate trustees, of all or any part of the Trust, and to vest in such Person or Persons, in such capacity and for the benefit of the Certificateholders, such title to the Trust, or any part thereof, and, subject to the other provisions of this Section 9.10, such powers, duties, obligations, rights and trusts as the Servicer and the Trustee may consider necessary or desirable. Any such co-trustee or separate trustee shall be subject to the written approval of the Servicer. If the Servicer shall not have joined in such appointment within 15 days after the receipt by it of a request so to do, or in the case an Event of Default shall have occurred and be continuing, the Trustee alone shall have the power to make such appointment. No co-trustee or separate trustee hereunder
shall be required to meet the terms of eligibility as a successor trustee under Section 9.06 and no notice to Certificateholders of the appointment of any co-trustee or separate trustee shall be required under Section 9.08. The Servicer shall be responsible for the fees of any co-trustee or separate trustee appointed hereunder.

Every separate trustee and co-trustee shall, to the extent permitted by law, be appointed and act subject to the following provisions and conditions:

(i)           all rights, powers, duties and obligations conferred or imposed upon the Trustee shall be conferred or imposed upon and exercised or performed by the Trustee and such separate trustee or co-trustee jointly (it being understood that such separate trustee or co-trustee is not authorized to act separately without the Trustee joining in such act), except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed (whether as Trustee hereunder or as successor to the Servicer hereunder), the Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations (including the holding of title to the Trust or any portion thereof in any such jurisdiction) shall
be exercised and performed singly by such separate trustee or co-trustee, but solely at the direction of the Trustee;

(ii)          no trustee hereunder shall be held personally liable by reason of any act or omission of any other trustee hereunder; and

(iii)        the Servicer and the Trustee acting jointly may at any time accept the resignation of or remove any separate trustee or co-trustee except that following the occurrence of an Event of Default, the Trustee acting alone may accept the resignation or remove any separate trustee or co-trustee.

Any notice, request or other writing given to the Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee or co-trustee shall refer to this Agreement and the conditions of this Article IX. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision of this Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Trustee. Every such instrument shall be filed with the Trustee and a copy thereof given to the Depositor and the Servicer.

 

 

Any separate trustee or co-trustee may, at any time, constitute the Trustee, its agent or attorney-in-fact, with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Agreement on its behalf and in its name. If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Trustee, to the extent permitted by law, without the appointment of a new or successor Trustee.

	
             
  	
            Section 9.11
 	
            Limitation of Liability.
 

The Certificates are executed by the Trustee, not in its individual capacity but solely as Trustee of the Trust, in the exercise of the powers and authority conferred and vested in it by the Trust Agreement. Each of the undertakings and agreements made on the part of the Trustee in the Certificates is made and intended not as a personal undertaking or agreement by the Trustee but is made and intended for the purpose of binding only the Trust.

	
             
  	
            Section 9.12
 	
            Trustee May Enforce Claims Without Possession of Certificates.
 

All rights of action and claims under this Agreement or the Certificates may be prosecuted and enforced by the Trustee without the possession of any of the Certificates or the production thereof in any proceeding relating thereto, and such proceeding instituted by the Trustee shall be brought in its own name or in its capacity as Trustee. Any recovery of judgment shall, after provision for the payment of the reasonable compensation, expenses, disbursement and advances of the Trustee, its agents and counsel, be for the ratable benefit or the Certificateholders in respect of which such judgment has been recovered.

	
             
  	
            Section 9.13
 	
            Suits for Enforcement.
 

In case an Event of Default or other default by the Servicer or the Depositor hereunder shall occur and be continuing, the Trustee, in its discretion, may proceed to protect and enforce its rights and the rights of the Certificateholders under this Agreement by a suit, action or proceeding in equity or at law or otherwise, whether for the specific performance of any covenant or agreement contained in this Agreement or in aid of the execution of any power granted in this Agreement or for the enforcement of any other legal, equitable or other remedy, as the Trustee, being advised by counsel, shall deem most effectual to protect and enforce any of the rights of the Trustee and the Certificateholders.

 

 

ARTICLE X

 

Termination

	
             
  	
            Section 10.01
 	
            Termination.
 

(a)          The respective obligations and responsibilities of the Seller, the Servicer, the Depositor, and the Trustee created hereby (other than the obligation of the Trustee to make certain payments to Certificateholders after the final Distribution Date and the obligation of the Servicer to send certain notices as hereinafter set forth) shall terminate upon notice to the Trustee of either: (1) the later of the distribution to Certificateholders of the final payment or collection with respect to the last Mortgage Loan (or Monthly Advances of same by the Servicer), or the disposition of all funds with respect to the last Mortgage Loan and the remittance of all funds due under the Agreement and the payment of all amounts due and payable to the Certificate Insurer and the Trustee, or (2) mutual consent of the Servicer, the
Certificate Insurer and all Certificateholders in writing. Notwithstanding the foregoing, in no event shall the trust created hereby continue beyond the earlier of (i) the expiration of 21 years from the death of the last survivor descendants of Joseph P. Kennedy, the late ambassador of the United States to the Court of St. James’s, living on the date hereof and (ii) the Latest Possible Maturity Date.

The Servicer may, at its option, terminate the Agreement on any date on which the Aggregate Principal Balance of the Mortgage Loans is less than 10% of the sum of (A) the Cut-Off Date Pool Principal Balance and (B) the Original Pre-Funded Amount (the “Optional Termination Date”), by purchasing, on the next succeeding Distribution Date, all of the outstanding Mortgage Loans and REO Properties at a price equal to the greater of (i) the sum of (x) 100% of the Aggregate Principal Balance of the Mortgage Loans, plus (y) the greater of (1) the aggregate amount of accrued and unpaid interest on the Mortgage Loans through the related Due Period, and (2) 30 days’ accrued interest thereon at a rate equal to the Loan Rate, in each case net of the Servicing Fee, and (ii) the fair market value of all assets in the Trust on such date (as such value is determined by the Servicer,
the Certificate Insurer and the Trustee) (the “Termination Price”). 

The Servicer or an affiliate of the Servicer may elect to purchase the Mortgage Loans and REO Property following the Optional Termination Date pursuant to the preceding paragraph only if the Termination Price is equal to or less than the aggregate fair market value of all of the assets in the Trust and will result in distributions on the Certificates sufficient to pay the Certificateholders the outstanding Class A Certificate Principal Balance and unpaid interest on the Class A Certificates and to pay all amounts owed to the Certificate Insurer.

Any such purchase shall be accomplished by deposit into the Distribution Account on the Determination Date before such Distribution Date of the Termination Price.

(b)          Notice of any termination, specifying the Distribution Date (which shall be a date that would otherwise be a Distribution Date) upon which the Certificateholders may surrender their Certificates to the Trustee for payment of the final distribution and cancellation, shall be given promptly by the Trustee to the Certificate Insurer by letter to Class A Certificateholders mailed not earlier than the 15th day and not later than the 25th day of the month next preceding 

 

the month of such final distribution specifying (i) the Distribution Date upon which final distribution of the Class A Certificates will be made upon presentation and surrender of Class A Certificates at the office or agency of the Trustee therein designated, (ii) the amount of any such final distribution, and (iii) that the Record Date otherwise applicable to such Distribution Date is not applicable, distributions being made only upon presentation and surrender of the Class A Certificates at the office or agency of the Trustee therein specified.

(c)          Upon presentation and surrender of the Class A Certificates, the Trustee shall cause to be distributed to the holders of Class A Certificates, as applicable, on the Distribution Date for such final distribution, in proportion to the Percentage Interests of their respective Class A Certificates and to the extent that funds are available for such purpose, an amount equal to the amount required to be distributed to Class A Certificateholders pursuant to Section 5.01 for such Distribution Date. On the final Distribution Date, the Trustee shall withdraw from the Distribution Account and remit to the Certificate Insurer the lesser of (x) the amount available for distribution on such final Distribution Date, net of any portion thereof necessary to pay Class A Certificateholders pursuant to Section 5.01(a)(i) and (ii) and (y)
the unpaid amounts due and owing to the Certificate Insurer pursuant to Section 5.01(a).

(d)          In the event that all of the Class A Certificateholders shall not surrender their Class A Certificates for final payment and cancellation on or before such final Distribution Date, the Trustee shall promptly following such date cause all funds in the Distribution Account not distributed in final distribution to Class A Certificateholders to be withdrawn therefrom and credited to the remaining Class A Certificateholders by depositing such funds in a separate escrow account for the benefit of such Class A Certificateholders and the Servicer (if the Servicer has exercised its right to purchase the Mortgage Loans) or the Trustee (in any other case) shall give a second written notice to the remaining Class A Certificateholders to surrender their Class A Certificates for cancellation and receive the final distribution with
respect thereto. If within one year after the second notice all the Class A Certificates shall not have been surrendered for cancellation, the Trustee may take appropriate steps, or may appoint an agent to take appropriate steps, to contact the remaining Class A Certificateholders concerning surrender of their Class A Certificates, and the cost thereof shall be paid out of the funds on deposit in such escrow account.

	
             
  	
            Section 10.02
 	
            Additional Termination Requirements.
 

(a)          In the event that the Servicer exercises its purchase option as provided in Section 10.01, the Trust shall be terminated in accordance with the following additional requirements, unless the Trustee has been furnished with an Opinion of Counsel to the effect that the failure of the Trust to comply with the requirements of this Section 10.02 will not (i) result in the imposition of taxes on “prohibited transactions” of the Trust as defined in Section 860F of the Code, or (ii) cause any REMIC created hereunder to fail to qualify as a REMIC at any time that any Class A Certificates are outstanding:

(i)           Within 90 days prior to the final Distribution Date, the Servicer shall adopt and the Trustee shall sign a plan of complete liquidation of the Trust meeting the requirements of a “Qualified Liquidation” under Section 860F of the Code and any 

 

regulations thereunder as evidenced by an Opinion of Counsel (which shall not be an expense of the Trustee);

(ii)          At or after the time of adoption of such a plan of complete liquidation and at or prior to the final Distribution Date, the Trustee shall sell all of the assets of the Trust to the Servicer for cash; and

(iii)        At the time of the making of the final payment on the Certificates, the Trustee shall distribute or credit, or cause to be distributed or credited (A) to the Class A Certificateholders the Class A Certificate Principal Balance, plus one month’s interest thereon at the Class A Certificate Interest Rate, (B) to the Certificate Insurer, the amount of any unreimbursed Insured Amounts and I & I Payments, and (C) to the Class C Certificateholders, all cash on hand after such payment to the Class A Certificateholders and the Certificate Insurer (other than cash retained to meet claims), and the Trust shall terminate at such time.

 

 

ARTICLE XI

 

Miscellaneous Provisions

	
             
  	
            Section 11.01
 	
            Amendment.
 

This Agreement may be amended from time to time by the Seller, the Servicer, the Depositor and the Trustee, in each case without the consent of any of the Certificateholders, but only with the consent of the Certificate Insurer (which consent shall not be unreasonably withheld), (i) to cure any ambiguity, (ii) to correct any defective provisions or to correct or supplement any provisions herein that may be inconsistent with any other provisions herein, (iii) to add to the duties of the Servicer, (iv) to add any other provisions with respect to matters or questions arising under this Agreement or the Certificate Insurance Policy, as the case may be, which shall not be inconsistent with the provisions of this Agreement, (v) to add or amend any provisions of this Agreement as required by any Rating Agency or any other nationally recognized statistical rating agency in order to maintain or
improve any rating of the Class A Certificates (it being understood that, after obtaining the ratings in effect on the Closing Date, neither the Trustee, the Seller, the Depositor nor the Servicer is obligated to obtain, maintain or improve any such rating) or (vi) to add or amend any provisions of this Agreement to such extent as shall be necessary to maintain the qualification of any REMIC created hereunder as a REMIC; provided, however, that (x) as evidenced by an Opinion of Counsel (at the expense of the requesting party) in each case such action shall not, adversely affect in any material respect the interest of any Certificateholder without giving effect to the Certificate Insurance Policy, (y) in each case, such action is necessary or desirable to maintain the qualification of each REMIC created hereunder as a REMIC or shall not adversely affect such qualification and (z) if the
opinion called for in clause (x) cannot be delivered with regard to an amendment pursuant to clause (vi) above, such amendment is necessary to maintain the qualification of each REMIC created hereunder as a REMIC; and provided, further, that the amendment shall not be deemed to adversely affect in any material respect the interests of the Certificateholders and no Opinion of Counsel to that effect shall be required if the Person requesting the amendment obtains a letter from the Rating Agency stating that the amendment would not result in the downgrading or withdrawal of the respective ratings then assigned to the Class A Certificates without giving effect to the Certificate Insurance Policy.

This Agreement may be amended from time to time by the Seller, the Servicer, the Depositor and the Trustee, without the consent of any of the Certificateholders, to provide for termination of the Spread Account or the substitution of assets in the Spread Account as contemplated in Section 4.01(d).

This Agreement also may be amended from time to time by the Seller, the Servicer, the Depositor and the Trustee, and the Servicer and the Certificate Insurer, may from time to time consent to the amendment of the Certificate Insurance Policy with the consent of the Holders of the Class A Certificates which is affected by such amendment, evidencing not less than 51% of the Voting Rights, and in the case of an amendment to this Agreement, with the consent of the Certificate Insurer, for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Certificateholders; provided, however, that no such amendment shall (i) reduce in any 

 

manner the amount of, or delay the timing of, payments on the Certificates or distributions or payments under the Certificate Insurance Policy which are required to be made on any Certificate without the consent of the Holder of such Certificate, or (ii) reduce the aforesaid percentage required to consent to any such amendment, without the consent of the Holders of all Certificates then outstanding.

Prior to the solicitation of consent of Certificateholders in connection with any such amendment, the party seeking such amendment shall furnish the Trustee with an Opinion of Counsel stating whether such amendment would adversely affect the qualification of any REMIC created hereunder as a REMIC and notice of the conclusion expressed in such Opinion of Counsel shall be included with any such solicitation. An amendment made with the consent of all Certificateholders and executed in accordance with this Section 11.01 shall be permitted or authorized by this Agreement notwithstanding that such Opinion of Counsel may conclude that such amendment would adversely affect the qualification of any REMIC created hereunder as a REMIC.

Prior to the execution of any such amendment, the Trustee shall furnish written notification of the substance of such amendment to each Rating Agency. In addition, promptly after the execution of any such amendment made with the consent of the Certificateholders, the Trustee shall furnish written notification of the substance of such amendment to each Certificateholder and fully executed original counterparts of the instruments effecting such amendment to the Certificate Insurer.

It shall not be necessary for the consent of Certificateholders under this Section 11.01 to approve the particular form of any proposed amendment or consent, but it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable requirements as the Trustee may prescribe.

	
             
  	
            Section 11.02
 	
            Recordation of Agreement.
 

This Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Trustee, but only upon direction of Certificateholders accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of Certificateholders. The Certificateholders requesting such recordation shall bear all costs and expenses of such recordation. The Trustee shall have no obligation to ascertain whether such recordation so affects the interests of the Certificateholders.

	
             
  	
            Section 11.03
 	
            Limitation on Rights of Certificateholders.
 

The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust, nor entitle such Certificateholder’s legal representatives or heirs to claim an accounting or to take any action or commence any proceeding in any court for a partition or 

 

winding up of the Trust, nor otherwise affect the rights, obligations and liabilities of the parties hereto or any of them.

No Certificateholder shall have any right to vote (except as provided in Sections 8.01, 9.01, 9.02 and 11.01) or in any manner otherwise control the operation and management of the Trust, or the obligations of the parties hereto, nor shall anything herein set forth, or contained in the terms of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof.

No Certificateholder shall have any right by virtue or by availing itself of any provisions of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as hereinbefore provided, and unless also the Holders of Class A Certificates evidencing not less than 51% of the Voting Rights shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the costs, expenses and liabilities to be incurred therein or thereby, and the Trustee, for 60 days after its receipt of such notice, request and offer of indemnity, shall have neglected or refused to
institute any such action, suit or proceeding; it being understood and intended, and being expressly covenanted by each Certificateholder with every other Certificateholder and the Trustee, that no one or more Holders of Certificates shall have any right in any manner whatever by virtue or by availing itself or themselves of any provisions of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of the Certificates, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the equal, ratable and common benefit of all Certificateholders. For the protection and enforcement of the provisions of this Section 11.03, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity.

	
             
  	
            Section 11.04
 	
            Governing Law.
 

THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO ANY CONFLICTS OF LAW PRINCIPLES, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

	
             
  	
            Section 11.05
 	
            Notices.  
 

All demands, notices and communications hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by certified mail, return receipt requested, to (a) in the case of the Depositor, 600 Steamboat Road, Greenwich, Connecticut  06830, Attention:  Legal, (b) in the case of the Servicer, One Home Loan Plaza, Warwick, Rhode Island 02886, Attention:  Legal, (c) in the case of the Trustee, at the Corporate Trust Office, (d) in the case of the Certificate Insurer, One State Street Plaza, New York, New 

 

York 10004; Attention:  Consumer Asset-Backed Securities Group (in each case in which notice or other communication to the Certificate Insurer refers to an Event of Default, a claim on the Certificate Insurance Policy or with respect to which failure on the part of the Certificate Insurer to respond shall be deemed to constitute consent or acceptance, then a copy of such notice or other communication should also be sent to the attention of the General Counsel and shall be marked to indicate “URGENT MATERIAL ENCLOSED”), (e) in the case of Moody’s, Home Mortgage Loan Monitoring Group, 4th Floor, 99 Church Street, New York, New York 10007, and (f) in the case of Standard & Poor’s, 26 Broadway, 15th Floor, New York, New York 10004, Attention: Residential Mortgage Group, or, as to each party, at such other address as shall be designated by such party in a written notice to each other
party. Any notice required or permitted to be mailed to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such Holder as shown in the Certificate Register. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the Certificateholder receives such notice. Any notice or other document required to be delivered or mailed by the Trustee to any Rating Agency shall be given on a best efforts basis and only as a matter of courtesy and accommodation and the Trustee shall have no liability for failure to deliver such notice or document to any Rating Agency.

	
             
  	
            Section 11.06
 	
            Severability of Provisions.
 

If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement or of the Certificates or the rights of the Holders thereof.

	
             
  	
            Section 11.07
 	
            Assignment.
 

Notwithstanding anything to the contrary contained herein, except as provided in Sections 7.02, 7.04 and 7.05 (or 3.01), this Agreement may not be assigned by the Depositor or the Servicer without the prior written consent of the Certificate Insurer and Holders of the Certificates evidencing Percentage Interests aggregating not less than 66-2/3%.

	
             
  	
            Section 11.08
 	
            Certificates Nonassessable and Fully Paid.
 

The parties agree that the Certificateholders shall not be personally liable for obligations of the Trust, that the beneficial ownership interests represented by the Certificates shall be non-assessable for any losses or expenses of the Trust or for any reason whatsoever, and that the Certificates upon execution, authentication and delivery thereof by the Trustee pursuant to Section 6.02 are and shall be deemed fully paid.

	
             
  	
            Section 11.09
 	
            Third-Party Beneficiaries.
 

This Agreement shall inure to the benefit of and be binding upon the parties hereto, the Certificateholders, the Certificate Owners, the Certificate Insurer and their respective successors and permitted assigns. Except as otherwise provided in this Agreement, no other person shall have any right or obligation hereunder.

 

 

	
             
  	
            Section 11.10
 	
            Counterparts.
 

This instrument may be executed in any number of counterparts, each of which so executed shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument.

 

	
             
  	
            Section 11.11
 	
            Effect of Headings and Table of Contents.
 

The Article and Section headings herein and the Table of Contents are for convenience only and shall not affect the construction hereof.

	
             
  	
            ection 11.12
 	
            Insurance Agreement.
 

The Trustee is authorized and directed to execute and deliver the Insurance Agreement and to perform the obligations of the Trustee thereunder.

 

 

IN WITNESS WHEREOF, the Depositor, the Seller, the Servicer and the Trustee have caused this Agreement to be duly executed by their respective officers all as of the day and year first above written.

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            FINANCIAL ASSET SECURITIES CORP.,
 as Depositor
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
/s/ Vinu Phillips
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
            Vinu Phillips
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
            Senior Vice President
 
																

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            OCEAN BANK, F.S.B.,
 as Seller and Servicer
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
/s/ John M. Murphy
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
            John M. Murphy
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
            President
 
																

 

	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            DEUTSCHE BANK NATIONAL TRUST COMPANY,
 as Trustee
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
/s/ Jennifer Hermansader
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
            Jennifer Hermansader
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
            Associate
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            By:
 	
            
/s/ Barbara Campbell
 
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Name:
 	
            Barbara Campbell
 
	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
             
 	
            Title:
 	
            Vice President
 
																

 

 

 

 

	
            STATE OF CONNECTICUT
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF FAIRFIELD
 	
            )
 	
             
 

 

On the _____ day of November, 2005 before me, a notary public in and for said State, personally appeared _______________________________________________________ known to me to be __________________________ of Financial Asset Securities Corp., a Delaware corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

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

_____________________________

Notary Public

 

 

	
            STATE OF_____________
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF___________
 	
            )
 	
             
 

 

On the _____ day of November, 2005 before me, a notary public in and for said State, personally appeared ______________________________________________________ known to me to be a ____________________________ of Ocean Bank, F.S.B., a corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

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

____________________________

Notary Public

 

 

 

	
            STATE OF CALIFORNIA
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF ORANGE
 	
            )
 	
             
 

 

On the ____ day of November, 2005 before me, a notary public in and for said State, personally appeared _________________________________________________________, known to me to be a(n) ______________________________________ and _________________________, known to me to be a(n) ____________________________of Deutsche Bank National Trust Company, a corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said association, and acknowledged to me that such corporation executed the within instrument.

 

 

	
            STATE OF CALIFORNIA
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF ORANGE
 	
            )
 	
             
 

 

On the ____ day of November, 2005 before me, a notary public in and for said State, personally appeared ____________________________________________________________, known to me to be a(n) ______________________________________ and _________________________, known to me to be a(n) ____________________________of Deutsche Bank National Trust Company, a corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said association, and acknowledged to me that such corporation executed the within instrument.

 

 

 

EXHIBIT A-1

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

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

 

 

	
            Certificate No.
 	
            :
 	
            1
 
	
            Cut-Off Date
 	
            :
 	
            October 31, 2005
 
	
            First Distribution Date
 	
             
 	
            December 15, 2005
 
	
            Initial Class A-1 Certificate Principal Balance of this Certificate (“Denomination”)
 	
            :
 	
            $92,500,000.00
 
	
            Initial Class A-1 Principal
 Balance
 	
            :
 	
            $92,500,000.00
 
	
            Certificate Interest Rate
 	
            :
 	
            Variable
 
	
            CUSIP
 	
            :
 	
            43718R AB 9
 
	
            Class
 	
            :
 	
            A-1
 

 

 

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates, Series 2005-1

Class A-1

evidencing a percentage interest in the distributions allocable to the Certificates of

the above-referenced Class with respect to a Trust consisting of closed-end fixed

rate and adjustable-rate home equity loans (the “Mortgage Loans”)

FINANCIAL ASSET SECURITIES CORP., as Depositor

Principal in respect of this Certificate is distributable monthly as set forth herein. Accordingly, the Class A-1 Certificate Principal Balance of this Class A-1 Certificate at any time may be less than the Initial Class A-1 Certificate Principal Balance set forth on the face hereof, as described herein. This Class A-1 Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Seller or the Trustee referred to below or any of their respective affiliates. Neither this Class A-1 Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality.

This certifies that CEDE & Co. is the registered owner of the Percentage Interest evidenced by this Class A-1 Certificate (obtained by dividing the Denomination of this Class A-1 Certificate by the Class A-1 Certificate Principal Balance) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Financial Asset Securities Corp. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 2005 (the “Agreement”) among the Depositor, Ocean Bank, F.S.B., as seller and servicer (in such capacities, the “Seller” or the “Servicer”), and Deutsche Bank National Trust Company, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Class
A-1 Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Class A-1 Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Reference is hereby made to the further provisions of this Class A-1 Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place.

This Class A-1 Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee.

*   *   *

 

 

IN WITNESS WHEREOF, the Trustee, on behalf  of the Trust, has caused this Certificate to be duly executed.

Dated:  November ___, 2005

DEUTSCHE BANK NATIONAL TRUST COMPANY, not in its individual capacity, but solely as Trustee

 

By: ______________________________

 

CERTIFICATE OF AUTHENTICATION

This is one of the Certificates

referenced in the within-mentioned Agreement

 

DEUTSCHE BANK NATIONAL TRUST 

COMPANY, as Certificate Registrar

 

By: ____________________________

	
             
 	
            Authorized Signatory
 

 

 

 

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates,

Series 2005-1

This Certificate is one of a duly authorized issue of Certificates designated as Home Loan Mortgage Loan Trust 2005-1, Home Equity Loan Asset-Backed Certificates, Series 2005-1 (herein collectively called the “Certificates”), and representing a beneficial ownership interest in the Trust created by the Agreement.

The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Distribution Account for payment hereunder and that the Trustee is not liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

This Certificate will have the benefit of an irrevocable and unconditional certificate guaranty insurance policy issued by Ambac Assurance Corporation (the “Certificate Insurer”).

This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced thereby, and the rights, duties and immunities of the Trustee.

Pursuant to the terms of the Agreement, a distribution will be made on the 15th day of each month or, if such 15th day is not a Business Day, then the first Business Day following such Distribution Date (the “Distribution Date”), commencing on the first Distribution Date specified on the face hereof, to the Person in whose name this Certificate is registered at the close of business on the applicable Record Date in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to Holders of Certificates of the Class to which this Certificate belongs on such Distribution Date pursuant to the Agreement. The Record Date applicable to each Distribution Date is the last Business Day of the month preceding the month of such Distribution Date.

Distributions on this Certificate shall be made by check or money order mailed to the address of the person entitled thereto as it appears on the Certificate Register or, upon the request of a Certificateholder, by wire transfer or otherwise, as set forth in the Agreement. The final distribution on each Certificate will be made in like manner, but only upon presentment and surrender of such Certificate at the office or agency of the Trustee specified in the notice to Certificateholders of such final distribution.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Trustee and the rights of the Certificateholders under the Agreement at any time by the Depositor and the Trustee with the consent of the Certificate Insurer and of Holders of the requisite percentage of the Percentage Interests of each Class of Certificates affected by such amendment, as specified in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange therefor or in lieu hereof whether or not notation of such 

 

consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Trustee in New York, New York, accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the holder hereof or such holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest in the Trust will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without coupons in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.

No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Depositor, the Seller and the Trustee and any agent of the Depositor or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Trustee nor any such agent shall be affected by any notice to the contrary.

On any Distribution Date on which the Pool Balance is less than 10% of the sum of (i) the Cut-Off Date Pool Principal Balance and (ii) the Original Pre-Funded Amount, the Servicer will have the option to repurchase, in whole, from the Trust the Mortgage Loans at a purchase price determined as provided in the Agreement. In the event that no such optional termination occurs, the obligations and responsibilities created by the Agreement will terminate upon the later of (A) payment in full of all amounts owing to the Certificate Insurer and (B) the earliest of (i) the day following the Distribution Date on which the Class A-1 Certificate Principal Balance has been reduced to zero, (ii) the final payment or other liquidation of the last Mortgage Loan in the Trust or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (iii) the
Distribution Date in April 2036.  In no event, however, will the trust created by the Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Agreement of a certain person named in the Agreement.

Capitalized terms used but not defined herein shall have the meanings ascribed to them in the Agreement, and nothing herein shall be deemed inconsistent with that meaning.

 

 

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

 

(Please print or typewrite name and address including postal zip code of assignee)

the Percentage Interest evidenced by the within Certificate and hereby authorizes the transfer of registration of such Percentage Interest to assignee on the Certificate Register of the Trust.

I (We) further direct the Trustee to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:

Dated:

____________________________________

Signature by or on behalf of assignor

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-2

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

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

 

	
            Certificate No.
 	
            :
 	
            1
 
	
            Cut-Off Date
 	
            :
 	
            October 31, 2005
 
	
            First Distribution Date
 	
            :
 	
            December 15, 2005
 
	
            Initial Class A-2 Certificate Principal Balance of this Certificate (“Denomination”)
 	
            :
 	
            $35,250,000.00
 
	
            Initial Class A-2 Principal
 Balance
 	
            :
 	
            $35,250,000.00
 
	
            Certificate Interest Rate
 	
            :
 	
            Variable
 
	
            CUSIP
 	
            :
 	
            43718R AC 7
 
	
            Class
 	
            :
 	
            A-2
 

 

 

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates, Series 2005-1

Class A-2

evidencing a percentage interest in the distributions allocable to the Certificates of

the above-referenced Class with respect to a Trust consisting of closed-end fixed

rate and adjustable-rate home equity loans (the “Mortgage Loans”)

FINANCIAL ASSET SECURITIES CORP., as Depositor

Principal in respect of this Certificate is distributable monthly as set forth herein. Accordingly, the Class A-2 Certificate Principal Balance of this Class A-2 Certificate at any time may be less than the Initial Class A-2 Certificate Principal Balance set forth on the face hereof, as described herein. This Class A-2 Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Seller or the Trustee referred to below or any of their respective affiliates. Neither this Class A-2 Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality.

This certifies that CEDE & Co. is the registered owner of the Percentage Interest evidenced by this Class A-2 Certificate (obtained by dividing the Denomination of this Class A-2 Certificate by the Class A-2 Certificate Principal Balance) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Financial Asset Securities Corp. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 2005 (the “Agreement”) among the Depositor, Ocean Bank, F.S.B., as seller and servicer (in such capacities, the “Seller” or the “Servicer”), and Deutsche Bank National Trust Company, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Class
A-2 Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Class A-2 Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Reference is hereby made to the further provisions of this Class A-2 Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place.

This Class A-2 Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee.

*   *   *

 

 

IN WITNESS WHEREOF, the Trustee, on behalf  of the Trust, has caused this Certificate to be duly executed.

Dated:  November ___, 2005

DEUTSCHE BANK NATIONAL TRUST COMPANY, not in its individual capacity, but solely as Trustee

 

By: ________________________________

 

CERTIFICATE OF AUTHENTICATION

This is one of the Certificates

referenced in the within-mentioned Agreement

 

DEUTSCHE BANK NATIONAL TRUST 

COMPANY, as Certificate Registrar

 

By: ________________________________

	
             
 	
            Authorized Signatory
 

 

        

 

 

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates,

Series 2005-1

This Certificate is one of a duly authorized issue of Certificates designated as Home Loan Mortgage Loan Trust 2005-1, Home Equity Loan Asset-Backed Certificates, Series 2005-1 (herein collectively called the “Certificates”), and representing a beneficial ownership interest in the Trust created by the Agreement.

The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Distribution Account for payment hereunder and that the Trustee is not liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

This Certificate will have the benefit of an irrevocable and unconditional certificate guaranty insurance policy issued by Ambac Assurance Corporation (the “Certificate Insurer”).

This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced thereby, and the rights, duties and immunities of the Trustee.

Pursuant to the terms of the Agreement, a distribution will be made on the 15th day of each month or, if such 15th day is not a Business Day, then the first Business Day following such Distribution Date (the “Distribution Date”), commencing on the first Distribution Date specified on the face hereof, to the Person in whose name this Certificate is registered at the close of business on the applicable Record Date in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to Holders of Certificates of the Class to which this Certificate belongs on such Distribution Date pursuant to the Agreement. The Record Date applicable to each Distribution Date is the last Business Day of the month preceding the month of such Distribution Date.

Distributions on this Certificate shall be made by check or money order mailed to the address of the person entitled thereto as it appears on the Certificate Register or, upon the request of a Certificateholder, by wire transfer or otherwise, as set forth in the Agreement. The final distribution on each Certificate will be made in like manner, but only upon presentment and surrender of such Certificate at the office or agency of the Trustee specified in the notice to Certificateholders of such final distribution.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Trustee and the rights of the Certificateholders under the Agreement at any time by the Depositor and the Trustee with the consent of the Certificate Insurer and of Holders of the requisite percentage of the Percentage Interests of each Class of Certificates affected by such amendment, as specified in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange therefor or in lieu hereof whether or not notation of such 

 

consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Trustee in New York, New York, accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the holder hereof or such holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest in the Trust will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without coupons in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.

No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Depositor, the Seller and the Trustee and any agent of the Depositor or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Trustee nor any such agent shall be affected by any notice to the contrary.

On any Distribution Date on which the Pool Balance is less than 10% of the sum of (i) the Cut-Off Date Pool Principal Balance and (ii) the Original Pre-Funded Amount, the Servicer will have the option to repurchase, in whole, from the Trust the Mortgage Loans at a purchase price determined as provided in the Agreement. In the event that no such optional termination occurs, the obligations and responsibilities created by the Agreement will terminate upon the later of (A) payment in full of all amounts owing to the Certificate Insurer and (B) the earliest of (i) the day following the Distribution Date on which the Class A-2 Certificate Principal Balance has been reduced to zero, (ii) the final payment or other liquidation of the last Mortgage Loan in the Trust or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (iii) the
Distribution Date in April 2036.  In no event, however, will the trust created by the Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Agreement of a certain person named in the Agreement.

Capitalized terms used but not defined herein shall have the meanings ascribed to them in the Agreement, and nothing herein shall be deemed inconsistent with that meaning.

 

 

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

 

(Please print or typewrite name and address including postal zip code of assignee)

the Percentage Interest evidenced by the within Certificate and hereby authorizes the transfer of registration of such Percentage Interest to assignee on the Certificate Register of the Trust.

I (We) further direct the Trustee to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:

Dated:

____________________________________

Signature by or on behalf of assignor

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT A-3

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

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

	
            Certificate No.
 	
            :
 	
            1
 
	
            Cut-Off Date
 	
            :
 	
            October 31, 2005
 
	
            First Distribution Date
 	
            :
 	
            December 15, 2005
 
	
            Initial Class A-3 Certificate Principal Balance of this Certificate (“Denomination”)
 	
            :
 	
            $42,250,000.00
 
	
            Initial Class A-3 Principal
 Balance
 	
            :
 	
            $42,250,000.00
 
	
            Certificate Interest Rate
 	
            :
 	
            Variable
 
	
            CUSIP
 	
            :
 	
            43718R AD 5
 
	
            Class
 	
            :
 	
            A-3
 

 

 

 

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates, Series 2005-1

Class A-3

evidencing a percentage interest in the distributions allocable to the Certificates of

the above-referenced Class with respect to a Trust consisting of closed-end fixed

rate and adjustable-rate home equity loans (the “Mortgage Loans”)

FINANCIAL ASSET SECURITIES CORP., as Depositor

Principal in respect of this Certificate is distributable monthly as set forth herein. Accordingly, the Class A-3 Certificate Principal Balance of this Class A-3 Certificate at any time may be less than the Initial Class A-3 Certificate Principal Balance set forth on the face hereof, as described herein. This Class A-3 Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Seller or the Trustee referred to below or any of their respective affiliates. Neither this Class A-3 Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality.

This certifies that CEDE & Co. is the registered owner of the Percentage Interest evidenced by this Class A-3 Certificate (obtained by dividing the Denomination of this Class A-3 Certificate by the Class A-3 Certificate Principal Balance) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Financial Asset Securities Corp. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 2005 (the “Agreement”) among the Depositor, Ocean Bank, F.S.B., as seller and servicer (in such capacities, the “Seller” or the “Servicer”), and Deutsche Bank National Trust Company, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Class
A-3 Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Class A-3 Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Reference is hereby made to the further provisions of this Class A-3 Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place.

This Class A-3 Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee.

*    *   *

 

 

IN WITNESS WHEREOF, the Trustee, on behalf  of the Trust, has caused this Certificate to be duly executed.

Dated:  November ___, 2005

DEUTSCHE BANK NATIONAL TRUST COMPANY, not in its individual capacity, but solely as Trustee

 

By: ________________________________

 

CERTIFICATE OF AUTHENTICATION

This is one of the Certificates

referenced in the within-mentioned Agreement

 

DEUTSCHE BANK NATIONAL TRUST 

COMPANY, as Certificate Registrar

 

By: _______________________________

	
             
 	
            Authorized Signatory
 

 

 

 

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates,

Series 2005-1

This Certificate is one of a duly authorized issue of Certificates designated as Home Loan Mortgage Loan Trust 2005-1, Home Equity Loan Asset-Backed Certificates, Series 2005-1 (herein collectively called the “Certificates”), and representing a beneficial ownership interest in the Trust created by the Agreement.

The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Distribution Account for payment hereunder and that the Trustee is not liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

This Certificate will have the benefit of an irrevocable and unconditional certificate guaranty insurance policy issued by Ambac Assurance Corporation (the “Certificate Insurer”).

This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced thereby, and the rights, duties and immunities of the Trustee.

Pursuant to the terms of the Agreement, a distribution will be made on the 15th day of each month or, if such 15th day is not a Business Day, then the first Business Day following such Distribution Date (the “Distribution Date”), commencing on the first Distribution Date specified on the face hereof, to the Person in whose name this Certificate is registered at the close of business on the applicable Record Date in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to Holders of Certificates of the Class to which this Certificate belongs on such Distribution Date pursuant to the Agreement. The Record Date applicable to each Distribution Date is the last Business Day of the month preceding the month of such Distribution Date.

Distributions on this Certificate shall be made by check or money order mailed to the address of the person entitled thereto as it appears on the Certificate Register or, upon the request of a Certificateholder, by wire transfer or otherwise, as set forth in the Agreement. The final distribution on each Certificate will be made in like manner, but only upon presentment and surrender of such Certificate at the office or agency of the Trustee specified in the notice to Certificateholders of such final distribution.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Trustee and the rights of the Certificateholders under the Agreement at any time by the Depositor and the Trustee with the consent of the Certificate Insurer and of Holders of the requisite percentage of the Percentage Interests of each Class of Certificates affected by such amendment, as specified in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange therefor or in lieu hereof whether or not notation of such 

 

consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Trustee in New York, New York, accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the holder hereof or such holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest in the Trust will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without coupons in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.

No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Depositor, the Seller and the Trustee and any agent of the Depositor or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Trustee nor any such agent shall be affected by any notice to the contrary.

On any Distribution Date on which the Pool Balance is less than 10% of the sum of (i) the Cut-Off Date Pool Principal Balance and (ii) the Original Pre-Funded Amount, the Servicer will have the option to repurchase, in whole, from the Trust the Mortgage Loans at a purchase price determined as provided in the Agreement. In the event that no such optional termination occurs, the obligations and responsibilities created by the Agreement will terminate upon the later of (A) payment in full of all amounts owing to the Certificate Insurer and (B) the earliest of (i) the day following the Distribution Date on which the Class A-3 Certificate Principal Balance has been reduced to zero, (ii) the final payment or other liquidation of the last Mortgage Loan in the Trust or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (iii) the
Distribution Date in April 2036.  In no event, however, will the trust created by the Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Agreement of a certain person named in the Agreement.

Capitalized terms used but not defined herein shall have the meanings ascribed to them in the Agreement, and nothing herein shall be deemed inconsistent with that meaning.

 

 

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

 

(Please print or typewrite name and address including postal zip code of assignee)

the Percentage Interest evidenced by the within Certificate and hereby authorizes the transfer of registration of such Percentage Interest to assignee on the Certificate Register of the Trust.

I (We) further direct the Trustee to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:

Dated:

____________________________________

Signature by or on behalf of assignor

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT B-1

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

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

THIS CLASS R CERTIFICATE HAS NO PRINCIPAL BALANCE, DOES NOT BEAR INTEREST AND WILL NOT RECEIVE ANY DISTRIBUTIONS EXCEPT AS PROVIDED HEREIN.

NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE PROPOSED TRANSFEREE DELIVERS TO THE TRUSTEE A TRANSFER AFFIDAVIT IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER A REPRESENTATION LETTER TO THE EFFECT THAT SUCH TRANSFEREE IS NOT ACQUIRING SUCH CERTIFICATE FOR, OR ON BEHALF OF, AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR SECTION 4975 OF THE CODE OR ANY ENTITY DEEMED TO HOLD THE PLAN ASSETS OF THE FOREGOING (EACH, A “PLAN”) OR AN OPINION OF COUNSEL IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN. NOTWITHSTANDING ANYTHING ELSE TO THE CONTRARY HEREIN, ANY PURPORTED TRANSFER OF THIS CERTIFICATE TO OR ON BEHALF OF A PLAN WITHOUT THE OPINION OF COUNSEL SATISFACTORY TO THE TRUSTEE AS DESCRIBED ABOVE SHALL BE VOID AND OF NO EFFECT.

 

 

	
            Certificate No.
 	
            :
 	
            R-1
 
	
            Percentage Interest
 evidenced by this
 Certificate
 	
            :
 	
            99.999999%
 
	
            Cut-Off Date
 	
            :
 	
            October 31, 2005
 
	
            First Distribution Date
 	
            :
 	
            December 15, 2005
 

 

 

 

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates, Series 2005-1

Class R

evidencing a percentage interest in the distributions allocable to the Certificates of

the above-referenced Class with respect to a Trust consisting primarily of pool of

closed-end fixed-rate and adjustable-rate home equity loans (the “Mortgage Loans”)

FINANCIAL ASSET SECURITIES CORP., as Depositor

This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Seller or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality.

This certifies that Ocean Bank, F.S.B. is the registered owner of the Percentage Interest evidenced by this Certificate specified above in the interest represented by all Certificates of the Class to which this Certificate belongs in a Trust consisting primarily of the Mortgage Loans deposited by Financial Asset Securities Corp. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 2005 (the “Agreement”) among the Depositor, Ocean Bank, F.S.B., as seller and servicer (in such capacities, the “Seller” and the “Servicer”), and Deutsche Bank National Trust Company, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is
subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

No distributions are expected to be made on this Certificate and any distribution of the proceeds of any remaining assets of the Trust will be made only upon presentment and surrender of this Certificate at the Corporate Trust Office or the office or agency maintained by the Trustee in New York, New York.

No transfer of a Certificate of this Class shall be made unless such transfer is made pursuant to an effective registration statement under the Securities Act and any applicable state securities laws or is exempt from the registration requirements under said Act and such laws. In the event that a transfer is to be made in reliance upon an exemption from the Securities Act and such laws, in order to assure compliance with the Securities Act and such laws, the Certificateholder desiring to effect such transfer and such Certificateholder’s prospective transferee shall each certify to the Trustee in writing the facts surrounding the transfer. The Trustee or the Depositor may also require the delivery (except in the case of a transfer pursuant to Rule 144A of the Securities Act) to the Trustee of an Opinion of Counsel that such transfer may be made pursuant to an exemption from the
Securities Act and such state securities laws, which Opinion of Counsel shall not be obtained at the expense of the Trustee, the Seller or the Depositor. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

 

 

No transfer of a Certificate of this Class shall be made unless the Trustee shall have received either (i) a representation letter from the transferee of such Certificate, acceptable to and in form and substance satisfactory to the Trustee, to the effect that such transferee is not acquiring such Certificate for, or on behalf of, an employee benefit plan or other retirement arrangement subject to Section 406 of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) or Section 4975 of the Internal Revenue Code of 1986, as amended (the “Code”), or any entity deemed to hold the plan assets of the foregoing (each, a “Plan”) which representation letter shall not be an expense of the Trustee, or (ii) in the case of any such Class R Certificate presented for registration in the name of a Plan, an Opinion of Counsel satisfactory to the Trustee to the
effect that the purchase or holding of such Certificate will not result in prohibited transaction under Section 406 of ERISA or Section 4975 of the Code and will not subject the Trustee the Servicer or the Depositor to any obligation in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of such parties or the Trust. Notwithstanding anything else to the contrary herein, any purported transfer of a Certificate of this Class to or on behalf of a Plan without the opinion of counsel satisfactory to the Trustee as described above shall be void and of no effect.

Each Holder of this Certificate will be deemed to have agreed to be bound by the restrictions of the Agreement, including but not limited to the restrictions that (i) each person holding or acquiring any Ownership Interest in this Certificate must be a Permitted Transferee, (ii) no Ownership Interest in this Certificate may be transferred without delivery to the Trustee of (a) a transfer affidavit of the proposed transferee and (b) a transfer certificate of the transferor, each of such documents to be in the form described in the Agreement, (iii) each person holding or acquiring any Ownership Interest in this Certificate must agree to require a transfer affidavit and to deliver a transfer certificate to the Trustee as required pursuant to the Agreement, (iv) each person holding or acquiring an Ownership Interest in this Certificate must agree not to transfer an Ownership Interest in this
Certificate if it has actual knowledge that the proposed transferee is not a Permitted Transferee and (v) any attempted or purported transfer of any Ownership Interest in this Certificate in violation of such restrictions will be absolutely null and void and will vest no rights in the purported transferee.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place.

This Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized officer of the Trustee.

*   *   *

 

 

IN WITNESS WHEREOF, the Trustee, on behalf  of the Trust, has caused this Certificate to be duly executed.

Dated:  November ___, 2005

DEUTSCHE BANK NATIONAL TRUST COMPANY, not in its individual capacity, but solely as Trustee

 

By: ________________________________

 

CERTIFICATE OF AUTHENTICATION

This is one of the Certificates

referenced in the within-mentioned Agreement

 

DEUTSCHE BANK NATIONAL TRUST 

COMPANY, as Certificate Registrar

 

By: ________________________________

	
             
 	
            Authorized Signatory
 

 

 

 

 

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates,

Series 2005-1

This Certificate is one of a duly authorized issue of Certificates designated as Home Loan Mortgage Loan Trust 2005-1, Home Equity Loan Asset-Backed Certificates, Series 2005-1 (herein collectively called the “Certificates”), and representing a beneficial ownership interest in the Trust created by the Agreement.

The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Distribution Account for payment hereunder and that the Trustee is not liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced thereby, and the rights, duties and immunities of the Trustee.

Pursuant to the terms of the Agreement, a distribution will be made on the 15th day of each month or, if such 15th day is not a Business Day, then the first Business Day following such Distribution Date (the “Distribution Date”), commencing on the first Distribution Date specified on the face hereof, to the Person in whose name this Certificate is registered at the close of business on the applicable Record Date in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to Holders of Certificates of the Class to which this Certificate belongs on such Distribution Date pursuant to the Agreement. The Record Date applicable to each Distribution Date is the last Business Day of the month preceding the month of such Distribution Date.

Distributions on this Certificate shall be made by check or money order mailed to the address of the person entitled thereto as it appears on the Certificate Register or, upon the request of a Certificateholder, by wire transfer or otherwise, as set forth in the Agreement. The final distribution on each Certificate will be made in like manner, but only upon presentment and surrender of such Certificate at the office or agency of the Trustee specified in the notice to Certificateholders of such final distribution.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Trustee and the rights of the Certificateholders under the Agreement at any time by the Depositor and the Trustee with the consent of the Certificate Insurer and of Holders of the requisite percentage of the Percentage Interests of each Class of Certificates affected by such amendment, as specified in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange therefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any
of the Certificates.

 

 

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Trustee in New York, New York, accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the holder hereof or such holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest in the Trust will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without coupons in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.

No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Depositor, the Seller and the Trustee and any agent of the Depositor or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Trustee nor any such agent shall be affected by any notice to the contrary.

On any Distribution Date on which the Pool Balance is less than 10% of the sum of (i) the Cut-Off Date Pool Principal Balance and (ii) the Original Pre-Funded Amount, the Servicer will have the option to repurchase, in whole, from the Trust the Mortgage Loans at a purchase price determined as provided in the Agreement. In the event that no such optional termination occurs, the obligations and responsibilities created by the Agreement will terminate upon the later of (A) payment in full of all amounts owing to the Certificate Insurer and (B) the earliest of (i) the day following the Distribution Date on which the Class A-3 Certificate Principal Balance has been reduced to zero, (ii) the final payment or other liquidation of the last Mortgage Loan in the Trust or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (iii) the
Distribution Date in April 2036.  In no event, however, will the trust created by the Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Agreement of a certain person named in the Agreement.

Capitalized terms used but not defined herein shall have the meanings ascribed to them in the Agreement, and nothing herein shall be deemed inconsistent with that meaning.

 

 

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

 

(Please print or typewrite name and address including postal zip code of assignee)

the Percentage Interest evidenced by the within Certificate and hereby authorizes the transfer of registration of such Percentage Interest to assignee on the Certificate Register of the Trust.

I (We) further direct the Trustee to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:

Dated:

____________________________________

Signature by or on behalf of assignor

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

EXHIBIT B-2

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

THIS CERTIFICATE REPRESENTS THE “TAX MATTERS PERSON RESIDUAL INTEREST” ISSUED UNDER THE AGREEMENT REFERRED TO BELOW AND MAY NOT BE TRANSFERRED TO ANY PERSON EXCEPT IN CONNECTION WITH THE ASSUMPTION BY THE TRANSFEREE OF CERTAIN DUTIES SPECIFIED IN THE AGREEMENT.

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

THIS CLASS R CERTIFICATE HAS NO PRINCIPAL BALANCE, DOES NOT BEAR INTEREST AND WILL NOT RECEIVE ANY DISTRIBUTIONS EXCEPT AS PROVIDED HEREIN.

NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE PROPOSED TRANSFEREE DELIVERS TO THE TRUSTEE A TRANSFER AFFIDAVIT IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER A REPRESENTATION LETTER TO THE EFFECT THAT SUCH TRANSFEREE IS NOT ACQUIRING SUCH CERTIFICATE FOR, OR ON BEHALF OF, AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR SECTION 4975 OF THE CODE OR ANY ENTITY DEEMED TO HOLD THE PLAN ASSETS OF THE FOREGOING (EACH, A “PLAN”) OR AN OPINION OF COUNSEL IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN. NOTWITHSTANDING ANYTHING ELSE TO THE CONTRARY HEREIN, ANY PURPORTED TRANSFER OF THIS CERTIFICATE TO OR ON BEHALF OF A PLAN WITHOUT THE OPINION OF COUNSEL SATISFACTORY TO THE TRUSTEE AS DESCRIBED ABOVE SHALL BE VOID AND OF NO EFFECT.

 

 

	
            Certificate No.
 	
            :
 	
            R-2
 
	
            Percentage Interest
 evidenced by this
 Certificate
 	
            :
 	
            0.000001%
 
	
            Cut-Off Date
 	
            :
 	
            October 31, 2005
 
	
            First Distribution Date
 	
            :
 	
            December 15, 2005
 

 

 

 

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates, Series 2005-1

Class R

evidencing a percentage interest in the distributions allocable to the Certificates of

the above-referenced Class with respect to a Trust consisting primarily of pool of

closed-end fixed-rate and adjustable-rate home equity loans (the “Mortgage Loans”)

FINANCIAL ASSET SECURITIES CORP., as Depositor

This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Seller or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality.

This certifies that Deutsche Bank National Trust Company is the registered owner of the Percentage Interest evidenced by this Certificate specified above in the interest represented by all Certificates of the Class to which this Certificate belongs in a Trust consisting primarily of the Mortgage Loans deposited by Financial Asset Securities Corp. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 2005 (the “Agreement”) among the Depositor, Ocean Bank, F.S.B., as seller and servicer (in such capacities, the “Seller” and the “Servicer”), and Deutsche Bank National Trust Company, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms,
provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

No distributions are expected to be made on this Certificate and any distribution of the proceeds of any remaining assets of the Trust will be made only upon presentment and surrender of this Certificate at the Corporate Trust Office or the office or agency maintained by the Trustee in New York, New York.

No transfer of a Certificate of this Class shall be made unless such transfer is made pursuant to an effective registration statement under the Securities Act and any applicable state securities laws or is exempt from the registration requirements under said Act and such laws. In the event that a transfer is to be made in reliance upon an exemption from the Securities Act and such laws, in order to assure compliance with the Securities Act and such laws, the Certificateholder desiring to effect such transfer and such Certificateholder’s prospective transferee shall each certify to the Trustee in writing the facts surrounding the transfer. The Trustee or the Depositor may also require the delivery (except in the case of a transfer pursuant to Rule 144A of the Securities Act) to the Trustee of an Opinion of Counsel that such transfer may be made pursuant to an exemption from the
Securities Act and such state securities laws, which Opinion of Counsel shall not be obtained at the expense of the Trustee, the Seller or the Depositor. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

 

 

No transfer of a Certificate of this Class shall be made unless the Trustee shall have received either (i) a representation letter from the transferee of such Certificate, acceptable to and in form and substance satisfactory to the Trustee, to the effect that such transferee is not acquiring such Certificate for, or on behalf of, an employee benefit plan or other retirement arrangement subject to Section 406 of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) or Section 4975 of the Internal Revenue Code of 1986, as amended (the “Code”), or any entity deemed to hold the plan assets of the foregoing (each, a “Plan”) which representation letter shall not be an expense of the Trustee, or (ii) in the case of any such Class R Certificate presented for registration in the name of a Plan, an Opinion of Counsel satisfactory to the Trustee to the
effect that the purchase or holding of such Certificate will not result in prohibited transaction under Section 406 of ERISA or Section 4975 of the Code and will not subject the Trustee the Servicer or the Depositor to any obligation in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of such parties or the Trust. Notwithstanding anything else to the contrary herein, any purported transfer of a Certificate of this Class to or on behalf of a Plan without the opinion of counsel satisfactory to the Trustee as described above shall be void and of no effect.

Each Holder of this Certificate will be deemed to have agreed to be bound by the restrictions of the Agreement, including but not limited to the restrictions that (i) each person holding or acquiring any Ownership Interest in this Certificate must be a Permitted Transferee, (ii) no Ownership Interest in this Certificate may be transferred without delivery to the Trustee of (a) a transfer affidavit of the proposed transferee and (b) a transfer certificate of the transferor, each of such documents to be in the form described in the Agreement, (iii) each person holding or acquiring any Ownership Interest in this Certificate must agree to require a transfer affidavit and to deliver a transfer certificate to the Trustee as required pursuant to the Agreement, (iv) each person holding or acquiring an Ownership Interest in this Certificate must agree not to transfer an Ownership Interest in this
Certificate if it has actual knowledge that the proposed transferee is not a Permitted Transferee and (v) any attempted or purported transfer of any Ownership Interest in this Certificate in violation of such restrictions will be absolutely null and void and will vest no rights in the purported transferee.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place.

This Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized officer of the Trustee.

*   *   *

 

 

IN WITNESS WHEREOF, the Trustee, on behalf  of the Trust, has caused this Certificate to be duly executed.

Dated:  November ___, 2005

DEUTSCHE BANK NATIONAL TRUST COMPANY, not in its individual capacity, but solely as Trustee

 

By: ________________________________

 

CERTIFICATE OF AUTHENTICATION

This is one of the Certificates

referenced in the within-mentioned Agreement

 

DEUTSCHE BANK NATIONAL TRUST 

COMPANY, as Certificate Registrar

 

By: _________________________________

	
             
 	
            Authorized Signatory
 

 

 

 

 

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates,

Series 2005-1

This Certificate is one of a duly authorized issue of Certificates designated as Home Loan Mortgage Loan Trust 2005-1, Home Equity Loan Asset-Backed Certificates, Series 2005-1 (herein collectively called the “Certificates”), and representing a beneficial ownership interest in the Trust created by the Agreement.

The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Distribution Account for payment hereunder and that the Trustee is not liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced thereby, and the rights, duties and immunities of the Trustee.

Pursuant to the terms of the Agreement, a distribution will be made on the 15th day of each month or, if such 15th day is not a Business Day, then the first Business Day following such Distribution Date (the “Distribution Date”), commencing on the first Distribution Date specified on the face hereof, to the Person in whose name this Certificate is registered at the close of business on the applicable Record Date in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to Holders of Certificates of the Class to which this Certificate belongs on such Distribution Date pursuant to the Agreement. The Record Date applicable to each Distribution Date is the last Business Day of the month preceding the month of such Distribution Date.

Distributions on this Certificate shall be made by check or money order mailed to the address of the person entitled thereto as it appears on the Certificate Register or, upon the request of a Certificateholder, by wire transfer or otherwise, as set forth in the Agreement. The final distribution on each Certificate will be made in like manner, but only upon presentment and surrender of such Certificate at the office or agency of the Trustee specified in the notice to Certificateholders of such final distribution.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Trustee and the rights of the Certificateholders under the Agreement at any time by the Depositor and the Trustee with the consent of the Certificate Insurer and of Holders of the requisite percentage of the Percentage Interests of each Class of Certificates affected by such amendment, as specified in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange therefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any
of the Certificates.

 

 

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Trustee in New York, New York, accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the holder hereof or such holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest in the Trust will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without coupons in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.

No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Depositor, the Seller and the Trustee and any agent of the Depositor or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Trustee nor any such agent shall be affected by any notice to the contrary.

On any Distribution Date on which the Pool Balance is less than 10% of the sum of (i) the Cut-Off Date Pool Principal Balance and (ii) the Original Pre-Funded Amount, the Servicer will have the option to repurchase, in whole, from the Trust the Mortgage Loans at a purchase price determined as provided in the Agreement. In the event that no such optional termination occurs, the obligations and responsibilities created by the Agreement will terminate upon the later of (A) payment in full of all amounts owing to the Certificate Insurer and (B) the earliest of (i) the day following the Distribution Date on which the Class A-3 Certificate Principal Balance has been reduced to zero, (ii) the final payment or other liquidation of the last Mortgage Loan in the Trust or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (iii) the
Distribution Date in April 2036. In no event, however, will the trust created by the Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants living at the date of the Agreement of a certain person named in the Agreement.

Capitalized terms used but not defined herein shall have the meanings ascribed to them in the Agreement, and nothing herein shall be deemed inconsistent with that meaning.

 

 

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

 

(Please print or typewrite name and address including postal zip code of assignee)

the Percentage Interest evidenced by the within Certificate and hereby authorizes the transfer of registration of such Percentage Interest to assignee on the Certificate Register of the Trust.

I (We) further direct the Trustee to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:

Dated:

____________________________________

Signature by or on behalf of assignor

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

EXHIBIT B-3

FORM OF CLASS C CERTIFICATES

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

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A-1 CERTIFICATES, THE CLASS A-2 CERTIFICATES AND THE CLASS A-3 CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "ACT").  ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT (EACH A “PLAN”) SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), SHALL BE MADE EXCEPT IN COMPLIANCE WITH THE PROCEDURES DESCRIBED HEREIN.

 

 

	
            Certificate No.
 	
            :
 	
            1
 
	
            Cut-off Date
 	
            :
 	
            October 31, 2005
 
	
            First Distribution Date
 	
            :
 	
            December 15, 2005
 
	
            Initial Certificate Principal Balance

of this Certificate (“Denomination”)
 	
            :
 	
            $0.00
 
	
            Original Class Certificate

Principal Balance of this Class
 	
            :
 	
            $0.00
 
	
            Percentage Interest
 	
            :
 	
            100.00%
 
	
            Class
 	
            :
 	
            C
 

 

 

 

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates, Series 2005-1

Class C

evidencing the Percentage Interest in the distributions allocable to the Certificates of the above-referenced Class with respect to the Trust consisting of first lien adjustable rate and fixed rate mortgage loans (the “Mortgage Loans”)

FINANCIAL ASSET SECURITIES CORP., AS DEPOSITOR

Principal in respect of this Certificate is distributable monthly as set forth herein. Accordingly, the Certificate Principal Balance of this Class C Certificate at any time may be less than the Initial Certificate Principal Balance set forth on the face hereof, as described herein. This Class C Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer, or the Trustee referred to below or any of their respective affiliates.

This certifies that OCEAN BANK, F.S.B. is the registered owner of the Percentage Interest evidenced by this Class C Certificate (obtained by dividing the Denomination of this Class C Certificate by the Original Class Certificate Principal Balance) in certain distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Financial Asset Securities Corp. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 2005 (the “Agreement”) among the Depositor, Ocean Bank, F.S.B., as seller and servicer (in such capacities, the “Seller” and the “Servicer”), and Deutsche Bank National Trust Company, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the
Agreement. This Class C Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Class C Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

No transfer of a Certificate of this Class shall be made unless such transfer is made pursuant to an effective registration statement under the Act and any applicable state securities laws or is exempt from the registration requirements under said Act and such laws. In the event that a transfer is to be made in reliance upon an exemption from the Act and such laws, in order to assure compliance with the Act and such laws, the Certificateholder desiring to effect such transfer and such Certificateholder’s prospective transferee shall each certify to the Trustee and the Depositor in writing the facts surrounding the transfer. In the event that such a transfer is not to be made pursuant to Rule 144A of the Act, there shall be delivered to the Trustee and the Depositor of an Opinion of Counsel that such transfer may be made pursuant to an exemption from the Act, which Opinion of Counsel
shall not be obtained at the expense of the Trustee, the Servicer or the Depositor; or there shall be delivered to the Trustee and the Depositor a transferor certificate by the transferor and an investment letter shall be executed by the transferee. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

 

 

 

No transfer of this Certificate to a Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any such Plan or any person using Plan Assets to acquire this Certificate shall be made except in accordance with Section 5.02(d) of the Agreement.

Reference is hereby made to the further provisions of this Class C Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place.

This Class C Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee.

 

 

IN WITNESS WHEREOF, the Trustee, on behalf  of the Trust, has caused this Certificate to be duly executed.

Dated:  November ___, 2005

DEUTSCHE BANK NATIONAL TRUST COMPANY, not in its individual capacity, but solely as Trustee

 

By: ________________________________

 

CERTIFICATE OF AUTHENTICATION

This is one of the Certificates

referenced in the within-mentioned Agreement

 

DEUTSCHE BANK NATIONAL TRUST 

COMPANY, as Certificate Registrar

 

By: ________________________________

	
             
 	
            Authorized Signatory
 

 

 

 

[Reverse of Class C Certificate]

HOME LOAN MORTGAGE LOAN TRUST 2005-1

Home Equity Loan Asset-Backed Certificates,

Series 2005-1

This Certificate is one of a duly authorized issue of Certificates designated as Home Loan Mortgage Loan Trust 2005-1, Asset-Backed Certificates, Series 2005-1 (herein collectively called the “Certificates”), and representing a beneficial ownership interest in the Trust created by the Agreement.

The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Distribution Account for payment hereunder and that the Trustee is not liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced thereby, and the rights, duties and immunities of the Trustee.

Pursuant to the terms of the Agreement, a distribution will be made on the 15th day of each month or, if such 15th day is not a Business Day, then the Business Day immediately following such Distribution Date (the “Distribution Date”), commencing on the first Distribution Date specified on the face hereof, to the Person in whose name this Certificate is registered at the close of business on the applicable Record Date in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to Holders of Certificates of the Class to which this Certificate belongs on such Distribution Date pursuant to the Agreement.

Distributions on this Certificate shall be made by check or money order mailed to the address of the person entitled thereto as it appears on the Certificate Register or by wire transfer or otherwise, as set forth in the Agreement. The final distribution on each Certificate will be made in like manner, but only upon presentment and surrender of such Certificate at the office of the Trustee or the Trustee’s agent specified in the notice to Certificateholders of such final distribution.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Trustee and the rights of the Certificateholders under the Agreement at any time by the Depositor, the Servicer and the Trustee and of Holders of the requisite percentage of the Percentage Interests of each Class of Certificates affected by such amendment, as specified in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange therefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

 

 

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register of the Certificate Registrar upon surrender of this Certificate for registration of transfer at the offices or agencies of the Trustee as provided in the Pooling and Servicing Agreement accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the holder hereof or such holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest in the Trust will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without coupons in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.

No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Depositor, the Servicer and the Trustee and any agent of the Depositor, the Servicer or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Trustee, the Servicer or any such agent shall be affected by any notice to the contrary.

On any Distribution Date following the date at which the remaining aggregate Principal Balance of the Mortgage Loans is less than 10% of the sum of the aggregate Principal Balance of the Original Mortgage Loans as of the Cut-off Date and the Original Pre-Funded Amounts, the Servicer may purchase, in whole, from the Trust the Mortgage Loans at a purchase price determined as provided in the Agreement. In the event that no such optional termination occurs, the obligations and responsibilities created by the Agreement will terminate upon notice to the Trustee upon the earliest of (i) the Distribution Date on which the Certificate Principal Balances of the Regular Certificates have been reduced to zero, (ii) the final payment or other liquidation of the last Mortgage Loan in the Trust, (iii) the optional purchase by the Servicer of the Mortgage Loans as described in the Agreement and (iv) the
Distribution Date in April 2036.

Capitalized terms used herein that are defined in the Agreement shall have the meanings ascribed to them in the Agreement, and nothing herein shall be deemed inconsistent with that meaning.

 

 

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 

 

(Please print or typewrite name and address including postal zip code of assignee)

the Percentage Interest evidenced by the within Certificate and hereby authorizes the transfer of registration of such Percentage Interest to assignee on the Certificate Register of the Trust.

I (We) further direct the Trustee to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address:

Dated:

____________________________________

Signature by or on behalf of assignor

 

 

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds 

	
            to
 	
            
 
 
 	
            ,
 
	
            for the account of
 	
            
 
 
 	
            ,
 
	
            account number___________, or, if mailed by check, to
 	
            
 
 
 	
            ,
 
	
            Applicable statements should be mailed to
 	
            
 
 
 	
            ,
 
	
            
 
 
 	
            .
 
						

 

	
            This information is provided by
 	
            
 
 
 	
            ,
 
	
            the assignee named above, or
 	
            
 
 
 	
            ,
 
	
            as its agent.
 	
             
 	
             
 
					

 

 

 

 

EXHIBIT C

MORTGAGE LOAN SCHEDULE

 

 

Loan Number                 State               Zip                  Occupancy                Property Type
-----------------------------------------------------------------------------------------------------------------------------
148902757                   NV                  89031                Primary                  PUD
148903494                   CA                  92563                Primary                  PUD
148903544                   CA                  92563                Primary                  Single Family
148903593                   NM                  87144                Primary                  Single Family
148903683                   NC                  28173                Primary                  PUD
148903848                   TX                  77373                Primary                  PUD
148903879                   CA                  93230                Primary                  Single Family
148903910                   AZ                  85232                Primary                  PUD
148903977                   IL                  60431                Primary                  PUD
148904068                   TX                  75134                Primary                  PUD
148904107                   OH                  43004                Primary                  Single Family
148904181                   CA                  92532                Primary                  PUD
148904192                   CA                  92563                Primary                  PUD
148904196                   IL                  60585                Primary                  PUD
148904235                   CA                  92532                Primary                  PUD
148904239                   NC                  28216                Primary                  PUD
148904291                   CA                  92563                Primary                  PUD
148904442                   CA                  92532                Primary                  PUD
148904451                   IL                  60544                Primary                  PUD
148904499                   TN                  37179                Primary                  PUD
148904533                   TX                  76247                Primary                  PUD
148904537                   AZ                  85339                Primary                  PUD
148904540                   IL                  60543                Primary                  Townhouse
148904543                   IL                  62208                Primary                  Single Family
148904664                   OH                  43004                Primary                  Single Family
148904698                   CA                  92563                Primary                  PUD
148904705                   CA                  92508                Primary                  PUD
148904761                   CA                  92508                Primary                  PUD
148904781                   CA                  93035                Primary                  Single Family
148904799                   TX                  76210                Primary                  PUD
148904810                   IL                  60110                Primary                  Condominium
148904845                   MN                  55038                Primary                  PUD
148904859                   FL                  32003                Primary                  Single Family
148904867                   SC                  29485                Primary                  PUD
148904868                   NM                  87144                Primary                  Single Family
148904880                   IL                  62220                Primary                  PUD
148904888                   TX                  77433                Primary                  PUD
148904894                   IL                  60543                Primary                  Townhouse
148904949                   TX                  76210                Primary                  PUD
148904955                   CO                  80104                Primary                  PUD
148904957                   GA                  30040                Primary                  Townhouse
148904964                   IL                  60544                Primary                  Townhouse
148904975                   TX                  75035                Primary                  PUD
148904992                   IL                  60544                Primary                  Condominium
148904999                   GA                  30126                Primary                  PUD
148905006                   MN                  55318                Primary                  Condominium
148905009                   OH                  43207                Primary                  Single Family
148905019                   TX                  76247                Primary                  PUD
148905020                   FL                  33410                Second Home              Condominium
148905021                   TX                  75068                Primary                  PUD
148905023                   CO                  80018                Primary                  PUD
148905027                   TX                  75067                Primary                  PUD
148905028                   AZ                  85232                Primary                  PUD
148905031                   IL                  60102                Primary                  Condominium
148905037                   TX                  76028                Primary                  Single Family
148905038                   OH                  43004                Primary                  Single Family
148905042                   IL                  60110                Primary                  Condominium
148905044                   CA                  92563                Primary                  PUD
148905045                   MO                  63366                Primary                  PUD
148905048                   SC                  29485                Primary                  PUD
148905052                   MO                  63129                Primary                  Single Family
148905053                   TN                  37013                Primary                  Townhouse
148905055                   TX                  75052                Primary                  PUD
148905060                   GA                  30126                Primary                  Condominium
148905061                   NC                  27284                Primary                  PUD
148905062                   NC                  27282                Primary                  Single Family
148905064                   MD                  20603                Primary                  PUD
148905066                   IL                  60543                Primary                  Townhouse
148905067                   TX                  76247                Primary                  PUD
148905069                   TX                  75068                Primary                  PUD
148905070                   IL                  60543                Primary                  Townhouse
148905071                   TX                  75032                Primary                  PUD
148905073                   IL                  62220                Primary                  Townhouse
148905074                   IL                  62226                Primary                  PUD
148905076                   CO                  80504                Primary                  PUD
148905077                   TX                  76210                Primary                  PUD
148905078                   IL                  62226                Primary                  Single Family
148905083                   FL                  32225                Primary                  Condominium
148905085                   TX                  78253                Primary                  Single Family
148905088                   OH                  43004                Primary                  Single Family
148905089                   TX                  75052                Primary                  PUD
148905092                   CO                  80602                Primary                  Condominium
148905093                   IL                  60110                Primary                  Condominium
148905095                   IL                  62226                Primary                  Single Family
148905100                   FL                  33027                Primary                  Condominium
148905102                   TX                  75181                Primary                  PUD
148905106                   MN                  55330                Primary                  Condominium
148905108                   IL                  60123                Primary                  Townhouse
148905111                   FL                  32771                Primary                  PUD
148905113                   IL                  60110                Primary                  Condominium
148905114                   OH                  43207                Primary                  Single Family
148905116                   TX                  76002                Primary                  PUD
148905117                   GA                  30040                Primary                  Townhouse
148905122                   NC                  28277                Primary                  PUD
148905124                   CO                  80601                Primary                  PUD
148905125                   TX                  78253                Primary                  Single Family
148905126                   GA                  30004                Primary                  PUD
148905127                   CO                  80018                Primary                  PUD
148905128                   IL                  62226                Primary                  Single Family
148905129                   IL                  60544                Primary                  Condominium
148905131                   TX                  75052                Primary                  PUD
148905135                   TX                  75035                Primary                  PUD
148905140                   MN                  55330                Primary                  Condominium
148905141                   NC                  28270                Primary                  PUD
148905142                   FL                  33418                Primary                  Townhouse
148905147                   IL                  60543                Primary                  Townhouse
148905148                   TX                  76210                Primary                  PUD
148905149                   TX                  76210                Primary                  PUD
148905153                   GA                  30040                Primary                  PUD
148905154                   TX                  75098                Second Home              PUD
148905155                   SC                  29910                Primary                  PUD
148905156                   CO                  80602                Primary                  PUD
148905158                   MD                  20877                Primary                  PUD
148905159                   TX                  75052                Primary                  PUD
148905160                   TX                  76247                Primary                  PUD
148905161                   TX                  75071                Primary                  PUD
148905163                   TX                  76028                Primary                  Single Family
148905166                   IL                  62226                Primary                  Single Family
148905167                   TX                  75134                Primary                  PUD
148905168                   FL                  34243                Primary                  Condominium
148905171                   MI                  48836                Primary                  PUD
148905176                   IL                  60110                Primary                  Condominium
148905177                   SC                  29445                Primary                  PUD
148905178                   NC                  27284                Primary                  PUD
148905179                   NC                  28216                Primary                  PUD
148905180                   GA                  30126                Primary                  PUD
148905181                   TX                  76210                Primary                  PUD
148905183                   NC                  28277                Primary                  PUD
148905184                   OH                  43207                Primary                  Single Family
148905185                   TX                  75181                Primary                  PUD
148905186                   TX                  76028                Primary                  Single Family
148905188                   IN                  46106                Primary                  PUD
148905189                   CO                  80602                Primary                  PUD
148905191                   TX                  76247                Primary                  PUD
148905194                   GA                  30126                Primary                  Condominium
148905196                   GA                  30188                Primary                  PUD
148905197                   TX                  75052                Primary                  PUD
148905199                   TX                  75052                Primary                  PUD
148905201                   TX                  75134                Primary                  PUD
148905207                   TX                  76210                Primary                  PUD
148905209                   TX                  75098                Primary                  PUD
148905214                   SC                  29485                Primary                  PUD
148905216                   FL                  33332                Primary                  Condominium
148905217                   NC                  28216                Primary                  PUD
148905224                   TX                  75071                Primary                  PUD
148905225                   TX                  76247                Primary                  Single Family
148905226                   TX                  75071                Primary                  PUD
148905227                   TX                  75035                Primary                  PUD
148905228                   NC                  28270                Primary                  PUD
148905230                   CA                  92563                Primary                  PUD
148905231                   IL                  62258                Primary                  PUD
148905233                   IL                  60544                Primary                  Condominium
148905237                   IL                  60543                Primary                  Townhouse
148905238                   TX                  76028                Primary                  Single Family
148905239                   IL                  60543                Primary                  PUD
148905240                   SC                  29445                Primary                  PUD
148905242                   CO                  80602                Primary                  Condominium
148905244                   FL                  34243                Primary                  Condominium
148905255                   TN                  37179                Primary                  PUD
148905257                   MN                  55330                Primary                  Condominium
148905259                   GA                  30349                Primary                  PUD
148905260                   TX                  76179                Primary                  PUD
148905262                   TX                  75070                Primary                  PUD
148905265                   TX                  75052                Primary                  PUD
148905267                   TX                  76002                Primary                  Single Family
148905269                   MN                  55449                Primary                  Condominium
148905272                   TN                  37179                Primary                  PUD
148905273                   TX                  75070                Primary                  PUD
148905274                   TX                  75071                Primary                  PUD
148905285                   TX                  76210                Primary                  PUD
148905287                   NC                  28270                Primary                  PUD
148905289                   AZ                  85232                Primary                  PUD
148905291                   IL                  60544                Primary                  Condominium
148905292                   TX                  75052                Investor                 PUD
148905293                   NC                  28270                Primary                  PUD
148905294                   TX                  76210                Primary                  PUD
148905295                   TX                  76002                Primary                  Single Family
148905300                   GA                  30126                Primary                  Condominium
148905304                   TN                  37013                Primary                  PUD
148905305                   TX                  76247                Primary                  PUD
148905306                   GA                  30349                Primary                  PUD
148905307                   FL                  32003                Primary                  Single Family
148905309                   NC                  28216                Primary                  PUD
148905310                   SC                  29605                Primary                  PUD
148905314                   SC                  29445                Primary                  PUD
148905317                   VA                  23831                Primary                  PUD
148905319                   SC                  29445                Primary                  PUD
148905320                   CO                  80602                Primary                  Condominium
148905321                   GA                  30188                Primary                  PUD
148905324                   SC                  29445                Primary                  PUD
148905328                   CA                  92592                Primary                  PUD
148905330                   FL                  33027                Primary                  Condominium
148905331                   MI                  48836                Primary                  PUD
148905332                   TX                  75181                Primary                  PUD
148905335                   IN                  46060                Primary                  PUD
148905339                   MI                  48167                Primary                  PUD
148905340                   TX                  75032                Primary                  PUD
148905343                   TX                  76123                Primary                  PUD
148905348                   MI                  48836                Primary                  Condominium
148905352                   MD                  20746                Primary                  PUD
148905355                   MO                  63129                Primary                  PUD
148905357                   SC                  29445                Primary                  PUD
148905358                   GA                  30188                Primary                  PUD
148905361                   GA                  30188                Primary                  PUD
148905362                   FL                  32225                Primary                  PUD
148905364                   TX                  75098                Primary                  PUD
148905365                   CO                  80033                Primary                  Condominium
148905366                   TX                  75098                Primary                  PUD
148905368                   GA                  30126                Primary                  Condominium
148905375                   IL                  60123                Primary                  Townhouse
148905376                   CO                  80602                Primary                  Condominium
148905377                   TX                  75035                Primary                  PUD
148905379                   TX                  75071                Primary                  PUD
148905387                   GA                  30349                Primary                  PUD
148905389                   NC                  28216                Primary                  PUD
148905391                   TX                  76131                Primary                  PUD
148905398                   IN                  46060                Primary                  PUD
148905401                   CO                  80602                Primary                  Condominium
148905404                   IN                  46074                Primary                  PUD
148905405                   MI                  48423                Primary                  Single Family
148905406                   MN                  55068                Primary                  PUD
148905407                   NC                  28027                Primary                  PUD
148905414                   TX                  76131                Primary                  PUD
148905416                   GA                  30188                Primary                  PUD
148905417                   MI                  48836                Primary                  Single Family
148905420                   MN                  55311                Primary                  Condominium
148905424                   MI                  48423                Primary                  Single Family
148905429                   TX                  75071                Primary                  PUD
148905433                   TX                  76179                Primary                  PUD
148905437                   TX                  75098                Primary                  PUD
148905438                   FL                  32771                Primary                  PUD
148905449                   SC                  29445                Primary                  PUD
148905451                   TX                  75032                Primary                  PUD
148905452                   FL                  34292                Primary                  PUD
148905453                   TX                  76028                Primary                  Single Family
148905458                   TX                  76208                Primary                  PUD
148905465                   TX                  76208                Primary                  PUD
148905469                   TX                  76131                Primary                  PUD
148905472                   MO                  63301                Primary                  Townhouse
148905474                   TX                  76179                Primary                  PUD
148905475                   MI                  48174                Primary                  Condominium
148905479                   TX                  76179                Primary                  PUD
148905488                   TX                  76002                Primary                  PUD
148905489                   MN                  55313                Primary                  Condominium
148905490                   NC                  28078                Primary                  PUD
148905492                   FL                  34953                Primary                  PUD
148905493                   MN                  55318                Primary                  Condominium
148905496                   IL                  62258                Primary                  PUD
148905500                   MO                  63301                Primary                  Townhouse
148905501                   NC                  28216                Primary                  PUD
148905503                   TX                  76179                Primary                  PUD
148905504                   IL                  62258                Primary                  PUD
148905506                   MI                  48197                Primary                  PUD
148905511                   TX                  78261                Primary                  PUD
148905515                   MN                  55311                Primary                  Condominium
148905516                   VA                  20169                Primary                  PUD
148905517                   IL                  60050                Primary                  Townhouse
148905518                   TX                  75068                Primary                  PUD
148905521                   TX                  76028                Primary                  Single Family
148905523                   NC                  28216                Primary                  PUD
148905525                   FL                  34953                Primary                  PUD
148905527                   TX                  76002                Primary                  PUD
148905530                   GA                  30126                Primary                  Condominium
148905531                   IL                  60123                Primary                  PUD
148905538                   MN                  55071                Primary                  Condominium
148905540                   CO                  80018                Primary                  PUD
148905541                   CO                  80602                Primary                  PUD
148905547                   TX                  75071                Primary                  PUD
148905548                   TX                  76179                Primary                  PUD
148905550                   TX                  75409                Primary                  PUD
148905552                   TX                  76028                Primary                  Single Family
148905561                   TN                  37013                Primary                  PUD
148905563                   TX                  76028                Primary                  Single Family
148905568                   NC                  27127                Primary                  Single Family
148905571                   IL                  60431                Primary                  PUD
148905591                   MN                  55068                Primary                  Single Family
148905596                   TX                  75052                Primary                  PUD
148905598                   GA                  30126                Primary                  Condominium
148905599                   TX                  75035                Primary                  PUD
148905602                   CO                  80601                Primary                  PUD
148905605                   TX                  75098                Primary                  PUD
148905609                   CO                  80018                Primary                  PUD
148905610                   FL                  33556                Primary                  PUD
148905613                   MN                  55071                Primary                  Condominium
148905623                   GA                  30144                Primary                  Condominium
148905629                   TX                  75035                Primary                  PUD
148905640                   FL                  32824                Primary                  Condominium
148905641                   OH                  43110                Primary                  Single Family
148905642                   TX                  76210                Primary                  PUD
148905645                   MO                  63031                Primary                  PUD
148905651                   FL                  33418                Primary                  Condominium
148905652                   TX                  76208                Primary                  PUD
148905654                   IL                  62258                Primary                  Single Family
148905656                   TX                  76179                Primary                  PUD
148905659                   TX                  75098                Primary                  PUD
148905666                   MI                  48473                Primary                  Condominium
148905669                   TX                  75070                Primary                  PUD
148905678                   MN                  55068                Primary                  Condominium
148905685                   IL                  60543                Primary                  PUD
148905695                   TX                  76123                Primary                  PUD
148905713                   GA                  30126                Primary                  Condominium
148905715                   MN                  55076                Primary                  Condominium
148905719                   FL                  32828                Primary                  PUD
148905720                   GA                  30126                Primary                  Condominium
148905723                   MI                  48174                Primary                  Condominium
148905733                   TX                  76247                Primary                  PUD
148905737                   TX                  75098                Primary                  PUD
148905739                   TX                  75032                Primary                  PUD
148905745                   IN                  46055                Primary                  PUD
148905767                   TX                  76247                Primary                  PUD
148905772                   MN                  55449                Primary                  Condominium
148905783                   TN                  37167                Primary                  PUD
148905851                   TX                  76210                Primary                  PUD
148905862                   VA                  23114                Primary                  PUD
148905863                   TX                  75181                Primary                  PUD
148905875                   TX                  75134                Primary                  PUD
148905883                   GA                  30126                Primary                  Condominium
148905901                   TX                  75071                Primary                  PUD
148905921                   MI                  48174                Primary                  Condominium
186300001                   NV                  89506                Primary                  Single Family
186300003                   CA                  92563                Primary                  PUD
186300008                   CA                  92592                Primary                  PUD
186300011                   CA                  92563                Primary                  PUD
186300019                   CA                  93035                Primary                  Single Family
186300024                   CA                  92563                Primary                  Single Family
186300031                   CA                  92508                Primary                  PUD
186300038                   CA                  93291                Primary                  Single Family
186300039                   CA                  93312                Primary                  Single Family
186300042                   CA                  93312                Primary                  Single Family
186300047                   CA                  92508                Primary                  PUD
186300048                   CA                  92563                Primary                  Single Family
186300051                   AZ                  85232                Primary                  PUD
186300055                   CA                  92563                Primary                  Single Family
186300057                   NV                  89031                Primary                  PUD
186300064                   CA                  93291                Primary                  Single Family
186300065                   NV                  89521                Primary                  PUD
186300067                   NV                  89506                Primary                  Single Family
186300069                   CA                  93727                Primary                  Single Family
186300071                   CA                  92563                Primary                  Single Family
186300074                   CA                  92592                Primary                  PUD
186300075                   CA                  93292                Primary                  Single Family
186300076                   NV                  89131                Primary                  PUD
186300079                   CA                  93312                Primary                  Single Family
186300080                   NV                  89031                Primary                  PUD
186300086                   CA                  93292                Primary                  Single Family
186300087                   CA                  92563                Primary                  PUD
186300088                   CA                  92563                Primary                  PUD
186300092                   CA                  92508                Primary                  PUD
186300093                   CA                  92563                Primary                  Single Family
186300096                   NV                  89085                Primary                  PUD
186300099                   CA                  92563                Primary                  Single Family
186300101                   CA                  92508                Primary                  PUD
186300105                   NV                  89031                Primary                  PUD
186300107                   CA                  93312                Primary                  Single Family
186300108                   CA                  92563                Primary                  PUD
186300109                   CA                  92563                Primary                  PUD
186300111                   CA                  92563                Primary                  Single Family
186300113                   NV                  89131                Primary                  PUD
186300114                   CA                  92563                Primary                  PUD
186300115                   CA                  92563                Primary                  PUD
186300116                   CA                  95762                Primary                  PUD
186300119                   CA                  93446                Primary                  Single Family
186300120                   CA                  92563                Primary                  Single Family
186300121                   CA                  93727                Primary                  Single Family
186300122                   CA                  93291                Primary                  Single Family
186300124                   CA                  93312                Primary                  Single Family
186300126                   CA                  92563                Primary                  PUD
186300128                   CA                  93312                Primary                  Single Family
186300129                   CA                  93291                Primary                  Single Family
186300137                   CA                  95624                Primary                  Single Family
186300139                   CA                  92563                Primary                  Single Family
186300140                   CA                  92563                Primary                  Single Family
186300142                   NV                  89084                Primary                  PUD
186300146                   CA                  93446                Primary                  Single Family
186300148                   CA                  93291                Primary                  Single Family
186300150                   CA                  92563                Primary                  Single Family
186300157                   AZ                  85037                Primary                  PUD
186300159                   NV                  89506                Primary                  PUD
186300160                   UT                  84065                Primary                  Single Family
186300161                   NV                  89436                Primary                  PUD
186300163                   CA                  92508                Primary                  PUD
186300164                   CA                  95624                Primary                  Single Family
186300167                   NV                  89015                Primary                  PUD
186300168                   NV                  89015                Primary                  PUD
186300175                   NV                  89081                Primary                  Single Family
186300182                   CA                  92508                Primary                  PUD
186300184                   CA                  92563                Primary                  PUD
186300186                   NV                  89015                Primary                  PUD
186300190                   CA                  92563                Primary                  Single Family
186300191                   NV                  89086                Primary                  PUD
186300192                   CA                  95624                Primary                  Single Family
186300193                   AZ                  85242                Primary                  PUD
186300195                   CA                  92563                Primary                  PUD
186300196                   NV                  89081                Primary                  PUD
186300197                   NV                  89015                Primary                  PUD
186300200                   NM                  87144                Primary                  Single Family
186300203                   NV                  89506                Primary                  PUD
186300206                   CA                  92563                Primary                  Single Family
186300208                   CA                  92508                Primary                  Single Family
186300213                   AZ                  85374                Primary                  PUD
186300214                   CA                  93312                Primary                  Single Family
186300215                   UT                  84065                Primary                  Single Family
186300216                   CA                  95757                Primary                  Single Family
186300223                   CA                  92563                Primary                  Single Family
186300225                   CA                  92532                Primary                  PUD
186300226                   NM                  87144                Primary                  Single Family
186300234                   CA                  93311                Primary                  Single Family
186300235                   CA                  93291                Primary                  Single Family
186300236                   CA                  93230                Primary                  Single Family
186300247                   CA                  92563                Primary                  Single Family
186300253                   NV                  89506                Primary                  Single Family
186300255                   CA                  92563                Primary                  Single Family
186300256                   CA                  92508                Primary                  PUD
186300261                   CA                  92563                Primary                  Single Family
186300262                   CA                  92563                Primary                  Single Family
186300263                   CA                  92563                Primary                  PUD
186300264                   NV                  89521                Primary                  PUD
186300265                   CA                  93230                Primary                  Single Family
186300266                   CA                  93291                Primary                  PUD
186300267                   CA                  93727                Primary                  Single Family
186300269                   NV                  89521                Primary                  PUD
186300273                   UT                  84043                Primary                  PUD
186300276                   CA                  93727                Primary                  Single Family
186300278                   CA                  93230                Primary                  Single Family
186300279                   CA                  95757                Primary                  Single Family
186300280                   CA                  92563                Primary                  PUD
186300281                   CA                  93727                Primary                  Single Family
186300283                   CA                  92563                Primary                  Single Family
186300284                   CA                  93291                Primary                  Single Family
186300287                   CA                  92508                Primary                  PUD
186300294                   NV                  89139                Primary                  PUD
186300295                   CA                  93727                Primary                  Single Family
186300296                   CA                  92563                Primary                  PUD
186300299                   CA                  95757                Primary                  Single Family
186300302                   CA                  92880                Primary                  Single Family
186300303                   CA                  93312                Primary                  Single Family
186300311                   CA                  93727                Primary                  Single Family
186300313                   CA                  92532                Primary                  PUD
186300319                   CA                  95757                Primary                  Single Family
186300322                   NV                  89086                Primary                  PUD
186300325                   CA                  93311                Primary                  Single Family
186300327                   CA                  92563                Primary                  Single Family
186300329                   CA                  93727                Primary                  Single Family
186300330                   AZ                  85339                Primary                  PUD
186300334                   NV                  89139                Primary                  PUD
186300335                   CA                  92563                Primary                  Single Family
186300336                   CA                  92563                Primary                  PUD
186300343                   CA                  92563                Primary                  PUD
186300352                   CA                  92563                Primary                  PUD
186300354                   CA                  95757                Primary                  Single Family
186300357                   CA                  93311                Primary                  Single Family
186300361                   CA                  95757                Primary                  Single Family
186300363                   CA                  93311                Primary                  Single Family
186300369                   CA                  92532                Primary                  PUD
186300376                   CA                  95757                Primary                  Single Family
186300377                   CA                  93311                Primary                  Single Family
186300380                   CA                  92563                Primary                  Single Family
186300388                   CA                  93230                Primary                  PUD
186300411                   CA                  93727                Primary                  Single Family
186300420                   CA                  92563                Primary                  Single Family
186300422                   CA                  95757                Primary                  Single Family
186300424                   NV                  89081                Primary                  PUD
186300425                   CA                  92508                Primary                  Single Family
186300431                   CA                  95624                Primary                  Single Family
186300444                   NV                  89084                Primary                  PUD
186300455                   CA                  93230                Primary                  Single Family
186300467                   NM                  87121                Primary                  Single Family
186300469                   NM                  87114                Primary                  PUD
186300470                   CA                  95757                Primary                  Single Family
186300475                   AZ                  85242                Primary                  PUD
186300481                   CA                  95757                Primary                  Single Family
186300495                   CA                  93311                Primary                  Single Family
186300496                   CA                  93311                Primary                  Single Family
186300508                   AZ                  85243                Primary                  PUD
186300512                   CA                  93312                Primary                  Single Family
186300534                   CA                  93727                Primary                  Single Family
186300581                   CA                  92563                Primary                  PUD
186500001                   NC                  27703                Primary                  PUD
186500002                   TX                  78006                Primary                  Single Family
186500003                   TX                  77433                Primary                  PUD
186500006                   TX                  78249                Primary                  PUD
186500007                   TX                  77471                Primary                  PUD
186500008                   TX                  77433                Primary                  PUD
186500010                   NC                  27703                Primary                  PUD
186500011                   NC                  27520                Primary                  PUD
186500012                   NC                  27713                Primary                  PUD
186500013                   NC                  27105                Primary                  Single Family
186500015                   TX                  78006                Primary                  Single Family
186500016                   TX                  77471                Primary                  PUD
186500020                   TX                  76502                Primary                  Single Family
186500026                   TX                  77433                Primary                  PUD
186500027                   TX                  77433                Primary                  PUD
186500034                   TX                  77075                Primary                  PUD
186500038                   TX                  77075                Primary                  PUD
186500040                   NC                  27105                Primary                  PUD
186500043                   TX                  78664                Primary                  PUD
186500045                   TX                  76542                Primary                  Single Family
186500046                   TX                  78253                Primary                  PUD
186500048                   NC                  27105                Primary                  PUD
186500049                   TX                  77075                Primary                  PUD
186500052                   NC                  27613                Primary                  PUD
186500054                   TX                  78664                Primary                  Single Family
186500055                   TX                  77075                Primary                  PUD
186500058                   TX                  78259                Primary                  Single Family
186500059                   TX                  77373                Primary                  PUD
186500060                   NC                  27520                Primary                  PUD
186500061                   TX                  78259                Primary                  Single Family
186500064                   TX                  78253                Primary                  PUD
186500065                   TX                  78259                Primary                  Single Family
186500066                   NC                  27703                Primary                  PUD
186500067                   TX                  77521                Primary                  PUD
186500068                   NJ                  08831                Primary                  PUD
186500070                   TX                  77075                Primary                  PUD
186500074                   TX                  78260                Primary                  PUD
186500077                   TX                  77433                Primary                  PUD
186500078                   TX                  78261                Primary                  PUD
186500082                   NC                  27284                Primary                  PUD
186500085                   TX                  77433                Primary                  PUD
186500088                   NC                  27127                Primary                  PUD
186500094                   TX                  77073                Primary                  PUD
186500098                   TX                  78253                Primary                  PUD
186500099                   NC                  27284                Primary                  PUD
186500103                   TX                  77075                Primary                  PUD
186500107                   SC                  29910                Primary                  PUD
186500108                   SC                  29485                Primary                  PUD
186500111                   NC                  27127                Primary                  PUD
186500113                   TX                  77433                Primary                  PUD
186500115                   TX                  77471                Primary                  PUD
186500121                   TX                  77075                Primary                  PUD
186500123                   TX                  78634                Primary                  PUD
186500124                   TX                  76548                Primary                  Single Family
186500127                   TX                  77075                Primary                  PUD
186500130                   SC                  29485                Primary                  PUD
186500138                   TX                  78640                Primary                  PUD
186500140                   TX                  77373                Primary                  PUD
186500158                   TX                  78253                Primary                  PUD
186500159                   SC                  29579                Primary                  PUD
186500162                   SC                  29910                Primary                  PUD
186500166                   TX                  77075                Primary                  PUD
186500167                   TX                  77075                Primary                  PUD
186500169                   TX                  77449                Primary                  PUD
186500176                   NC                  27105                Primary                  PUD
186500178                   TX                  78621                Primary                  PUD
186500180                   SC                  29910                Second Home              PUD
186500181                   NC                  28027                Primary                  PUD
186500182                   TX                  76543                Primary                  Single Family
186500186                   TX                  78640                Primary                  PUD
186500193                   SC                  29483                Primary                  PUD
186500200                   NC                  28216                Primary                  PUD
186500204                   NC                  28270                Primary                  PUD
186500205                   SC                  29588                Primary                  Condominium
186500220                   CA                  95355                Primary                  Single Family
186500248                   NC                  27127                Primary                  PUD
186500251                   TX                  78253                Primary                  PUD
186500261                   NC                  27703                Primary                  PUD
240012605                   TX                  75862                Primary                  Single Family
240012631                   TX                  75088                Primary                  Single Family
240012633                   NE                  68108                Primary                  Single Family
240012645                   TX                  76120                Primary                  Single Family
240012648                   TX                  76179                Primary                  Single Family
240012654                   TX                  76102                Primary                  Condominium
240012676                   TX                  77478                Primary                  PUD
240012681                   TX                  75426                Primary                  Single Family
240012708                   TX                  75224                Primary                  Single Family
240012722                   NE                  68041                Primary                  Single Family
240012751                   TX                  75080                Primary                  Single Family
240012798                   TX                  78641                Primary                  Single Family
240012800                   TX                  75409                Primary                  Single Family
240012824                   TX                  76010                Primary                  Single Family
240012825                   TX                  76085                Primary                  Single Family
240012829                   TX                  75043                Primary                  Single Family
240012830                   TX                  76108                Primary                  Single Family
240012833                   TX                  76063                Primary                  Single Family
240012836                   TX                  76248                Primary                  PUD
240012843                   TX                  76043                Primary                  Single Family
240012846                   TX                  75043                Primary                  Single Family
240012870                   TX                  75071                Primary                  Single Family
240012888                   TX                  75223                Primary                  Single Family
240012901                   TX                  75034                Primary                  Single Family
240012916                   TX                  75071                Primary                  Single Family
240101101                   TN                  37877                Primary                  Manufactured Housing
240101228                   TN                  37737                Primary                  Single Family
240215524                   ID                  83856                Primary                  Single Family
240215552                   WA                  98230                Primary                  Single Family
240215564                   WA                  98282                Primary                  Single Family
240215630                   WA                  98284                Primary                  Single Family
240215693                   WA                  99111                Primary                  Single Family
240215694                   WA                  98294                Primary                  Manufactured Housing
240215803                   WA                  98290                Primary                  Single Family
240215836                   WA                  98223                Primary                  Single Family
240215880                   WA                  98223                Primary                  Condominium
240215900                   WA                  98118                Primary                  Single Family
240215946                   WA                  99301                Primary                  Single Family
240215967                   WA                  98372                Primary                  Single Family
240216112                   ID                  83301                Investor                 Single Family
240216123                   MT                  59102                Primary                  Single Family
240216125                   WA                  98205                Primary                  Single Family
240216204                   WA                  98052                Primary                  Single Family
240216231                   WA                  99301                Primary                  Single Family
240216245                   WA                  98230                Primary                  PUD
240216261                   OR                  97913                Second Home              Single Family
240216355                   WA                  98236                Primary                  PUD
240216373                   WA                  98270                Primary                  PUD
240216379                   WA                  98074                Primary                  Single Family
240216389                   ID                  83241                Primary                  Manufactured Housing
240216400                   WA                  98445                Primary                  Single Family
240216427                   WA                  98841                Primary                  Manufactured Housing
240216442                   WA                  98208                Primary                  Single Family
240216584                   WA                  98503                Primary                  PUD
240216723                   ID                  83705                Primary                  Single Family
240216850                   WA                  98338                Primary                  Single Family
240302248                   TN                  37091                Primary                  Single Family
240312012                   TN                  37920                Investor                 Single Family
240312469                   TN                  37874                Primary                  Manufactured Housing
240312647                   TN                  37918                Primary                  Single Family
240312699                   TN                  37138                Primary                  Single Family
240312737                   TN                  37803                Primary                  Single Family
240312746                   TN                  37216                Primary                  Single Family
240312752                   TN                  37128                Primary                  Single Family
240312832                   TN                  37917                Primary                  Single Family
240312835                   TN                  37411                Primary                  Single Family
240312849                   TN                  37209                Primary                  Single Family
240312871                   TN                  37865                Primary                  Single Family
240312900                   TN                  37082                Primary                  Single Family
240312978                   TN                  37129                Primary                  Single Family
240401810                   IL                  60649                Investor                 Two-Four Family
240401856                   IL                  60621                Primary                  Two-Four Family
240502263                   IN                  46239                Primary                  Single Family
240502700                   IN                  46227                Primary                  Single Family
240517953                   IN                  46235                Primary                  Single Family
240518056                   IN                  46052                Primary                  Single Family
240518216                   IN                  47842                Primary                  Single Family
240518342                   IN                  46234                Primary                  Single Family
240518434                   IN                  47957                Primary                  Single Family
240518675                   IN                  46106                Primary                  Single Family
240518700                   IN                  46217                Primary                  Single Family
240518701                   IN                  46250                Primary                  Single Family
240518756                   IN                  46077                Primary                  Single Family
240518922                   IN                  46184                Primary                  Single Family
240600614                   MO                  63108                Primary                  Two-Four Family
240602651                   MO                  63115                Investor                 Two-Four Family
240603118                   MO                  63016                Primary                  Manufactured Housing
240608541                   MO                  63133                Primary                  Single Family
240608830                   IL                  62959                Primary                  Single Family
240624227                   MO                  63304                Primary                  Single Family
240624525                   MO                  65804                Primary                  Single Family
240624584                   MO                  63028                Primary                  Single Family
240624613                   MO                  63090                Primary                  Single Family
240624651                   MO                  63139                Primary                  Single Family
240624759                   MO                  63640                Primary                  Single Family
240624782                   MO                  65608                Primary                  Single Family
240624899                   MO                  63021                Primary                  Single Family
240625046                   MO                  64505                Primary                  Single Family
240801026                   NE                  68111                Primary                  Single Family
240806526                   NE                  68131                Primary                  Single Family
240907275                   IA                  50658                Primary                  Single Family
240907390                   IA                  50158                Primary                  Single Family
240907433                   IA                  50223                Investor                 Single Family
240920596                   IA                  51503                Primary                  Single Family
241000872                   KS                  66102                Primary                  Single Family
241005795                   KS                  66608                Primary                  Single Family
241109315                   KS                  66102                Primary                  Single Family
241109471                   KS                  66061                Primary                  Two-Four Family
241109554                   MO                  64056                Primary                  Single Family
241109646                   IL                  62205                Primary                  Single Family
241109909                   MO                  63119                Primary                  Single Family
241123788                   KS                  66104                Primary                  Single Family
241123813                   KS                  66611                Primary                  Single Family
241123841                   MO                  64015                Primary                  Single Family
241124142                   KS                  66101                Primary                  Single Family
241206830                   IN                  47041                Primary                  Single Family
241207648                   KY                  41143                Primary                  Single Family
241207835                   OH                  45406                Primary                  Single Family
241208040                   OH                  45231                Primary                  Single Family
241218884                   OH                  43062                Primary                  Single Family
241219393                   PA                  17566                Primary                  Single Family
241219636                   OH                  45176                Primary                  Manufactured Housing
241219683                   OH                  45140                Primary                  Single Family
241219987                   OH                  45669                Primary                  Single Family
241220009                   OH                  45690                Primary                  Single Family
241220081                   OH                  45629                Primary                  Manufactured Housing
241220109                   OH                  43701                Primary                  Single Family
241220236                   OH                  45240                Investor                 Single Family
241220257                   OH                  45011                Primary                  Single Family
241220267                   OH                  45662                Primary                  Single Family
241220275                   OH                  45013                Primary                  Single Family
241220284                   OH                  45002                Primary                  Single Family
241220308                   OH                  45002                Primary                  Single Family
241220356                   OH                  45216                Primary                  Single Family
241220385                   OH                  45828                Primary                  Single Family
241220404                   OH                  45332                Second Home              Single Family
241220425                   OH                  45680                Primary                  Single Family
241220439                   OH                  45371                Primary                  Single Family
241220449                   OH                  45212                Primary                  Single Family
241220541                   OH                  45233                Primary                  Single Family
241220560                   OH                  45233                Primary                  Single Family
241220612                   PA                  17340                Primary                  Single Family
241220669                   OH                  45014                Primary                  Single Family
241220685                   OH                  45503                Primary                  Single Family
241301555                   VA                  23063                Investor                 Single Family
241306823                   VA                  23222                Investor                 Single Family
241322445                   VA                  23222                Investor                 Single Family
241322513                   VA                  23222                Primary                  Single Family
241322714                   VA                  23602                Primary                  Single Family
241322730                   VA                  23224                Investor                 Single Family
241322753                   VA                  23860                Primary                  Single Family
241322766                   VA                  23181                Primary                  Manufactured Housing
241322834                   VA                  23513                Primary                  Single Family
241322904                   VA                  23188                Investor                 PUD
241322905                   VA                  23703                Primary                  Single Family
241322911                   VA                  23231                Primary                  Single Family
241322913                   VA                  23188                Investor                 PUD
241323090                   VA                  23168                Primary                  Single Family
241323115                   VA                  20132                Primary                  Single Family
241323361                   VA                  23224                Primary                  Single Family
241323367                   VA                  23832                Primary                  Single Family
241323396                   VA                  23602                Primary                  Single Family
241323541                   VA                  22554                Primary                  Single Family
241323563                   VA                  22736                Primary                  Manufactured Housing
241323665                   VA                  22485                Primary                  Single Family
241323719                   VA                  22443                Primary                  Single Family
241323722                   VA                  23150                Primary                  Single Family
241323810                   VA                  23002                Primary                  Single Family
241323828                   VA                  23601                Primary                  Single Family
241323862                   VA                  23831                Primary                  Single Family
241323879                   VA                  23322                Primary                  Single Family
241323925                   VA                  23168                Primary                  Single Family
241323927                   VA                  23666                Primary                  Condominium
241323943                   VA                  23231                Primary                  Single Family
241323968                   VA                  23236                Primary                  Single Family
241324046                   VA                  22655                Primary                  Single Family
241324277                   VA                  23150                Primary                  Single Family
241400669                   GA                  30540                Primary                  Single Family
241401285                   GA                  31501                Investor                 Single Family
241418722                   FL                  32309                Primary                  Single Family
241418767                   GA                  30344                Second Home              Single Family
241418782                   GA                  30019                Primary                  Single Family
241418942                   GA                  30043                Primary                  PUD
241419244                   GA                  31635                Primary                  Single Family
241419303                   GA                  30088                Primary                  Single Family
241419313                   GA                  30175                Primary                  Single Family
241419397                   FL                  32809                Primary                  Single Family
241503548                   GA                  31029                Primary                  Single Family
241503568                   GA                  30230                Primary                  Single Family
241503878                   GA                  30318                Primary                  Single Family
241503890                   GA                  30349                Primary                  Single Family
241503901                   GA                  30293                Primary                  Manufactured Housing
241503977                   GA                  30316                Primary                  Single Family
241504183                   GA                  31021                Primary                  Single Family
241504254                   GA                  30906                Primary                  Single Family
241515750                   GA                  30187                Primary                  Single Family
241516289                   GA                  30253                Primary                  Single Family
241516497                   GA                  30064                Primary                  Single Family
241516551                   GA                  30281                Primary                  Single Family
241516780                   GA                  30263                Primary                  Single Family
241516808                   GA                  31906                Primary                  Single Family
241516845                   GA                  30005                Primary                  Single Family
241516859                   GA                  30135                Primary                  PUD
241516865                   GA                  30135                Primary                  PUD
241516890                   GA                  30518                Primary                  PUD
241516965                   GA                  30152                Primary                  Single Family
241517034                   GA                  30152                Primary                  Single Family
241517088                   GA                  30263                Primary                  Single Family
241517092                   GA                  30263                Primary                  Single Family
241517189                   GA                  30180                Primary                  PUD
241517254                   FL                  32086                Primary                  Single Family
241517258                   GA                  30180                Primary                  PUD
241517277                   GA                  30034                Primary                  Single Family
241517418                   GA                  30436                Primary                  Single Family
241517431                   GA                  30286                Primary                  Single Family
241517453                   GA                  30295                Primary                  Manufactured Housing
241517485                   FL                  33852                Primary                  Single Family
241517606                   GA                  30228                Primary                  Single Family
241517693                   GA                  30132                Primary                  Single Family
241517703                   GA                  30161                Primary                  Single Family
241517742                   GA                  30120                Primary                  Single Family
241517751                   GA                  30088                Primary                  Single Family
241517871                   GA                  30157                Primary                  Single Family
241600766                   NM                  87505                Investor                 Single Family
241604507                   NM                  87002                Primary                  Single Family
241604555                   NM                  88301                Primary                  Single Family
241604775                   NM                  88130                Primary                  Single Family
241700610                   MN                  55343                Primary                  PUD
241718294                   IA                  50658                Primary                  Single Family
241718342                   MN                  55320                Primary                  Single Family
241718406                   MN                  55318                Primary                  Condominium
241718525                   MN                  55963                Primary                  Single Family
241718550                   MN                  55444                Primary                  Single Family
241718657                   MN                  55350                Primary                  Single Family
241718858                   MN                  55112                Primary                  Single Family
241718919                   MN                  55016                Primary                  Single Family
241718931                   MN                  55362                Primary                  Single Family
241718932                   MN                  55359                Primary                  Single Family
241719035                   MN                  56472                Primary                  Single Family
241719055                   IA                  50312                Second Home              Single Family
241719070                   MN                  55372                Primary                  Single Family
241719090                   MN                  56267                Primary                  Single Family
241800716                   IL                  60068                Primary                  Single Family
241800974                   IL                  61087                Primary                  Single Family
241807413                   IL                  61607                Primary                  Single Family
241902082                   FL                  34471                Primary                  Manufactured Housing
241902141                   FL                  32043                Investor                 Single Family
241909160                   FL                  32223                Primary                  Single Family
241919863                   FL                  32218                Primary                  Single Family
241919974                   FL                  33009                Primary                  Condominium
241920065                   GA                  31803                Primary                  Manufactured Housing
241920097                   FL                  32225                Primary                  PUD
241920209                   FL                  34442                Primary                  Single Family
241920242                   GA                  31907                Primary                  Single Family
241920285                   FL                  34420                Primary                  Single Family
241920332                   FL                  33870                Primary                  Single Family
241920336                   GA                  39842                Primary                  Single Family
241920353                   FL                  33801                Primary                  Single Family
241920368                   FL                  34481                Primary                  Manufactured Housing
241920409                   FL                  32359                Primary                  Single Family
241920414                   GA                  31771                Primary                  Single Family
241920416                   FL                  34461                Primary                  Manufactured Housing
241920452                   FL                  32207                Investor                 Single Family
241920483                   FL                  33027                Primary                  PUD
241920538                   GA                  30044                Primary                  Single Family
241920586                   FL                  33025                Primary                  PUD
241920700                   FL                  32221                Primary                  Single Family
241920804                   FL                  32226                Primary                  PUD
242005754                   FL                  34234                Primary                  Single Family
242100696                   NC                  28215                Primary                  Single Family
242100970                   NC                  28303                Primary                  Single Family
242105301                   NC                  28786                Primary                  Manufactured Housing
242105337                   NC                  27292                Primary                  Single Family
242105431                   NC                  28037                Primary                  Single Family
242105444                   NC                  28215                Primary                  Single Family
242105466                   NC                  28081                Primary                  Manufactured Housing
242105598                   NC                  28129                Primary                  Manufactured Housing
242117164                   NC                  27045                Primary                  Single Family
242118369                   NC                  28382                Primary                  Manufactured Housing
242118396                   NC                  28086                Primary                  Manufactured Housing
242118431                   NC                  28120                Primary                  Single Family
242118438                   NC                  28210                Primary                  Single Family
242118502                   NC                  27604                Primary                  Single Family
242118692                   NC                  28382                Primary                  Single Family
242118843                   NC                  28114                Primary                  Manufactured Housing
242118952                   VA                  23061                Primary                  Single Family
242119058                   NC                  28056                Primary                  Single Family
242119105                   NC                  27023                Primary                  Single Family
242119140                   NC                  28027                Primary                  Single Family
242119162                   NC                  28626                Primary                  Manufactured Housing
242119195                   NC                  28001                Primary                  Single Family
242119272                   NC                  28173                Primary                  Single Family
242119301                   NC                  27284                Primary                  Single Family
242119317                   NC                  28630                Primary                  Manufactured Housing
242119321                   NC                  27009                Primary                  Single Family
242119322                   GA                  30223                Primary                  Single Family
242119336                   NC                  28164                Primary                  Single Family
242119346                   GA                  30349                Primary                  Single Family
242119440                   NC                  28625                Investor                 Single Family
242119475                   NC                  28409                Primary                  Single Family
242119523                   FL                  34984                Primary                  Single Family
242119585                   NC                  28216                Primary                  Single Family
242217865                   CO                  81001                Primary                  Single Family
242217930                   CO                  80911                Primary                  Single Family
242217971                   WY                  82422                Primary                  Single Family
242218259                   CO                  80925                Primary                  Single Family
242218332                   CO                  80728                Primary                  Single Family
242218339                   CO                  80012                Primary                  Townhouse
242218355                   CO                  81003                Primary                  Single Family
242218447                   NM                  87105                Primary                  Single Family
242218754                   CO                  80504                Primary                  PUD
242218779                   CO                  80135                Primary                  Single Family
242218825                   CO                  80013                Primary                  PUD
242307675                   FL                  32725                Primary                  Single Family
242307767                   FL                  32808                Primary                  Single Family
242319119                   FL                  34788                Primary                  Single Family
242319295                   FL                  33441                Primary                  Townhouse
242319639                   FL                  34475                Primary                  Single Family
242319647                   FL                  33458                Primary                  Single Family
242319834                   FL                  32792                Primary                  Single Family
242319845                   FL                  33445                Primary                  Single Family
242319859                   FL                  32726                Primary                  Single Family
242319879                   FL                  32818                Primary                  Single Family
242319895                   FL                  32703                Primary                  Single Family
242319915                   FL                  33020                Primary                  Single Family
242319945                   FL                  32738                Primary                  Single Family
242319949                   FL                  32712                Primary                  Single Family
242319977                   FL                  33441                Primary                  Single Family
242320048                   FL                  32825                Primary                  Single Family
242320057                   FL                  32713                Primary                  Single Family
242320068                   FL                  32210                Primary                  Single Family
242320133                   FL                  32773                Primary                  Single Family
242320254                   FL                  32811                Investor                 Single Family
242320330                   FL                  32763                Primary                  PUD
242320432                   FL                  32744                Primary                  Single Family
242400789                   OK                  73121                Investor                 Single Family
242403901                   OK                  73119                Primary                  Single Family
242413438                   OK                  73179                Primary                  Single Family
242414705                   OK                  73065                Primary                  Single Family
242414953                   MO                  63016                Primary                  Single Family
242414972                   OK                  73105                Investor                 Single Family
242414997                   OK                  73003                Primary                  Single Family
242415000                   OK                  73003                Primary                  Single Family
242415041                   KS                  67214                Primary                  Single Family
242415055                   OK                  73505                Primary                  Single Family
242415298                   OK                  73044                Primary                  Single Family
242415368                   OK                  74501                Primary                  Single Family
242415446                   KS                  67841                Primary                  Single Family
242415447                   OK                  73116                Primary                  Single Family
242415452                   OK                  73554                Primary                  Single Family
242415471                   OK                  74820                Primary                  Single Family
242415568                   OK                  73051                Primary                  Single Family
242415576                   OK                  73533                Primary                  Single Family
242415596                   OK                  73106                Primary                  Single Family
242415744                   NM                  87002                Primary                  Single Family
242415825                   OK                  74873                Primary                  Single Family
242416065                   OK                  73162                Primary                  Single Family
242603584                   MI                  48204                Primary                  Single Family
242620256                   MI                  48340                Primary                  Single Family
242620274                   MI                  48085                Primary                  Single Family
242620383                   MI                  48235                Primary                  Single Family
242620533                   MI                  48205                Primary                  Single Family
242620571                   MI                  48238                Primary                  Single Family
242620606                   MI                  48238                Primary                  Single Family
242620625                   MI                  48229                Primary                  Single Family
242620806                   MI                  48192                Primary                  Single Family
242620817                   MI                  48141                Primary                  Single Family
242700442                   OK                  74051                Primary                  Single Family
242711623                   OK                  74434                Primary                  Single Family
242711819                   OK                  74020                Primary                  Single Family
242711866                   OK                  74107                Primary                  Single Family
242711976                   OK                  74344                Primary                  Condominium
242711991                   OK                  74501                Primary                  Single Family
242712086                   OK                  74008                Primary                  Single Family
242712127                   OK                  74501                Primary                  Single Family
242712134                   OK                  74953                Primary                  Single Family
242712158                   OK                  74115                Primary                  Single Family
242712418                   OK                  74352                Primary                  Single Family
242800346                   AZ                  85016                Investor                 Single Family
242819277                   AZ                  85223                Primary                  Manufactured Housing
242819587                   CA                  94533                Second Home              Condominium
242819631                   AZ                  85364                Primary                  Single Family
242819646                   AZ                  85305                Primary                  Single Family
242819670                   AZ                  85281                Primary                  Single Family
242819758                   AZ                  85043                Primary                  PUD
242819763                   AZ                  85381                Primary                  Single Family
242819774                   AZ                  85365                Primary                  Manufactured Housing
242819802                   AZ                  85017                Primary                  Single Family
242819813                   AZ                  85086                Primary                  PUD
242819817                   AZ                  85222                Primary                  Manufactured Housing
242819831                   AZ                  85032                Primary                  Single Family
242819832                   AZ                  85326                Primary                  PUD
242819868                   AZ                  85234                Primary                  Single Family
242819999                   AZ                  85364                Primary                  Single Family
242820085                   AZ                  85242                Primary                  PUD
242820155                   AZ                  85224                Primary                  Single Family
242820161                   AZ                  85234                Primary                  PUD
242820167                   AZ                  85225                Primary                  PUD
242820170                   AZ                  85041                Primary                  PUD
242820191                   AZ                  85236                Primary                  PUD
242820200                   AZ                  85043                Primary                  Single Family
242820219                   AZ                  85204                Primary                  Single Family
242820255                   AZ                  85042                Primary                  Single Family
242820361                   AZ                  85308                Primary                  Single Family
242820411                   AZ                  85345                Primary                  Single Family
242820423                   AZ                  85202                Primary                  Single Family
242820480                   AZ                  85043                Primary                  PUD
242820498                   AZ                  85086                Primary                  PUD
242820513                   AZ                  85232                Primary                  PUD
242820516                   NV                  89129                Primary                  PUD
242900629                   MS                  39209                Investor                 Single Family
242900720                   MS                  39209                Primary                  Single Family
242900722                   MS                  38762                Primary                  Single Family
242907747                   MS                  39209                Investor                 Single Family
242907837                   MS                  39043                Primary                  Single Family
242907846                   MS                  39046                Investor                 Single Family
242907919                   MS                  39066                Primary                  Single Family
242907936                   MS                  39213                Primary                  Single Family
242907945                   MS                  39212                Primary                  Single Family
242907948                   MS                  39208                Primary                  Single Family
242908182                   MS                  39206                Primary                  Single Family
242922647                   MS                  39573                Primary                  Single Family
242922897                   GA                  31773                Primary                  Single Family
242923205                   MS                  38654                Primary                  Single Family
243103471                   OR                  97350                Primary                  Single Family
243113201                   OR                  97103                Primary                  Single Family
243113727                   OR                  97838                Primary                  Single Family
243114005                   OR                  97524                Primary                  Manufactured Housing
243114037                   OR                  97741                Primary                  Single Family
243114355                   CA                  95687                Primary                  Condominium
243114358                   OR                  97062                Primary                  Single Family
243114435                   OR                  97456                Primary                  Single Family
243114546                   OR                  97014                Primary                  Manufactured Housing
243114564                   OR                  97080                Primary                  Single Family
243114620                   OR                  97058                Primary                  Single Family
243114685                   OR                  97303                Primary                  Single Family
243114706                   OR                  97439                Primary                  Single Family
243114732                   OR                  97478                Primary                  Single Family
243114743                   OR                  97540                Primary                  Single Family
243114788                   OR                  97115                Primary                  Single Family
243114823                   OR                  97601                Primary                  Single Family
243114930                   OR                  97351                Primary                  Single Family
243114940                   WA                  98405                Primary                  Single Family
243114988                   OR                  97034                Primary                  Single Family
243214306                   WA                  98584                Primary                  Manufactured Housing
243214384                   OR                  97224                Investor                 Condominium
243214464                   WA                  98362                Primary                  Single Family
243214465                   OR                  97224                Primary                  Condominium
243214692                   ID                  83501                Primary                  Single Family
243214703                   ID                  83801                Primary                  Single Family
243214722                   WA                  98445                Primary                  Single Family
243214751                   OR                  97401                Primary                  Single Family
243214795                   WA                  98312                Primary                  Single Family
243214871                   WA                  98155                Primary                  Single Family
243214891                   WA                  99203                Primary                  Single Family
243214947                   WA                  99362                Primary                  PUD
243214957                   WA                  98366                Primary                  Single Family
243214999                   WA                  98359                Primary                  Single Family
243215067                   WA                  98405                Primary                  Single Family
243303923                   TX                  76258                Primary                  Single Family
243319598                   TX                  75159                Primary                  Single Family
243319625                   TX                  75092                Primary                  Single Family
243319695                   TX                  77489                Primary                  PUD
243319704                   TX                  75154                Primary                  Single Family
243319746                   TX                  75098                Primary                  Single Family
243319893                   TX                  75051                Primary                  Single Family
243319949                   TX                  75007                Primary                  Single Family
243416625                   WI                  53588                Primary                  Single Family
243416682                   WI                  54425                Primary                  Manufactured Housing
243416737                   WI                  54812                Primary                  Single Family
243416794                   WI                  54433                Primary                  Manufactured Housing
243416867                   WI                  54871                Primary                  Single Family
243416944                   WI                  54481                Primary                  Single Family
243417012                   WI                  53128                Primary                  Single Family
243417021                   WI                  53511                Primary                  Single Family
243417065                   WI                  54888                Primary                  Manufactured Housing
243417083                   WI                  54880                Primary                  Single Family
243417106                   MN                  56431                Primary                  Single Family
243417127                   WI                  54552                Primary                  Single Family
243417133                   MN                  55016                Primary                  Townhouse
243417159                   WI                  53960                Primary                  Single Family
243417230                   WI                  54701                Primary                  Single Family
243417252                   WI                  53511                Primary                  Single Family
243417259                   WI                  53809                Primary                  Single Family
243503955                   OH                  44108                Primary                  Single Family
243503962                   PA                  16915                Primary                  Single Family
243504008                   WV                  25705                Primary                  Single Family
243504167                   PA                  19116                Primary                  Single Family
243504322                   OH                  44125                Primary                  Single Family
243504388                   PA                  15468                Primary                  Single Family
243521285                   PA                  15681                Investor                 Single Family
243521479                   PA                  15236                Primary                  Single Family
243521543                   PA                  15683                Primary                  Single Family
243521565                   PA                  15301                Primary                  Single Family
243521645                   OH                  45807                Primary                  Single Family
243521726                   PA                  15025                Primary                  Single Family
243521759                   PA                  15417                Primary                  Single Family
243521796                   PA                  18334                Primary                  Single Family
243521823                   PA                  15681                Primary                  Single Family
243521835                   PA                  16602                Primary                  Single Family
243521837                   PA                  15943                Primary                  Single Family
243521874                   PA                  15320                Primary                  Single Family
243521876                   PA                  15204                Primary                  Single Family
243521909                   PA                  16210                Primary                  Single Family
243521931                   PA                  15033                Primary                  Single Family
243521963                   PA                  15650                Primary                  Single Family
243521972                   PA                  15223                Primary                  Single Family
243521981                   PA                  16211                Primary                  Single Family
243522015                   PA                  18328                Primary                  PUD
243522052                   PA                  15235                Primary                  Single Family
243522059                   PA                  15650                Primary                  Single Family
243522078                   PA                  15034                Primary                  Single Family
243522098                   PA                  15001                Primary                  Single Family
243522101                   PA                  16001                Primary                  Single Family
243522117                   PA                  15687                Primary                  Single Family
243522172                   PA                  15212                Primary                  Single Family
243522355                   PA                  15332                Primary                  Single Family
243603756                   AR                  71901                Primary                  Single Family
243603797                   AR                  72315                Primary                  Single Family
243603923                   AR                  72104                Primary                  Single Family
243604063                   TN                  38337                Primary                  Single Family
243604106                   AR                  71601                Primary                  Single Family
243604237                   AR                  71901                Investor                 Single Family
243604370                   TN                  38059                Primary                  Single Family
243604372                   TN                  38049                Primary                  Single Family
243604407                   AR                  72120                Primary                  Single Family
243604489                   TN                  38112                Primary                  Single Family
243604512                   TN                  38128                Primary                  Single Family
243604558                   TN                  38118                Primary                  Single Family
243604589                   AR                  72202                Primary                  Single Family
243604658                   TN                  38127                Primary                  Single Family
243615927                   TN                  38053                Primary                  Single Family
243616087                   AR                  72644                Second Home              Single Family
243616098                   AR                  71801                Primary                  Single Family
243616162                   TN                  37342                Primary                  Single Family
243616385                   TN                  38127                Primary                  Single Family
243616408                   AR                  72949                Primary                  Single Family
243616463                   TN                  38118                Primary                  Single Family
243616567                   TN                  38127                Primary                  Single Family
243616594                   TN                  38012                Primary                  Single Family
243712933                   AZ                  85718                Primary                  Single Family
243713088                   CA                  92231                Primary                  Single Family
243713108                   AZ                  85704                Primary                  Single Family
243713166                   AZ                  85741                Primary                  Single Family
243713265                   AZ                  85641                Primary                  PUD
243713328                   AZ                  85648                Primary                  Single Family
243713473                   NV                  89822                Primary                  Single Family
243713540                   AZ                  85364                Primary                  Single Family
243713557                   AZ                  85739                Primary                  Manufactured Housing
243713627                   NV                  89142                Primary                  Single Family
243713655                   NV                  89031                Primary                  Single Family
243713738                   AZ                  85730                Primary                  PUD
243713739                   AZ                  85635                Primary                  Single Family
243713745                   NV                  89142                Primary                  Single Family
243713747                   AZ                  85748                Primary                  PUD
243713761                   AZ                  85020                Primary                  Single Family
243713762                   AZ                  85747                Primary                  PUD
243713853                   AZ                  85750                Primary                  PUD
243713867                   AZ                  85713                Primary                  Single Family
243713891                   AZ                  85746                Primary                  PUD
243713909                   NV                  89406                Primary                  Single Family
243714044                   AZ                  85029                Primary                  Single Family
243817994                   OH                  44137                Primary                  Single Family
243818002                   OH                  44137                Primary                  Single Family
243818008                   PA                  19047                Primary                  Single Family
243818113                   OH                  43402                Primary                  Single Family
243818207                   OH                  44084                Primary                  Single Family
243818271                   OH                  44035                Primary                  Single Family
243818300                   OH                  43342                Primary                  Single Family
243818362                   OH                  44076                Primary                  Single Family
243818385                   OH                  44044                Primary                  Single Family
243818390                   OH                  44035                Primary                  Single Family
243818400                   OH                  44056                Primary                  Single Family
243818520                   OH                  44056                Primary                  Single Family
243818711                   OH                  43420                Primary                  Single Family
243901657                   CO                  81101                Primary                  Single Family
244102814                   NC                  27891                Primary                  Single Family
244102836                   NC                  27831                Primary                  Single Family
244102897                   NC                  27983                Primary                  Manufactured Housing
244102921                   NC                  28458                Primary                  Single Family
244102963                   NC                  28401                Primary                  Single Family
244103224                   NC                  27801                Primary                  Single Family
244103305                   NC                  27831                Primary                  Single Family
244103597                   NC                  27705                Primary                  Single Family
244122852                   NC                  28544                Primary                  Single Family
244123428                   NC                  27707                Primary                  Single Family
244123472                   NC                  27312                Primary                  Single Family
244123539                   NC                  27701                Investor                 Single Family
244123750                   NC                  27932                Primary                  Single Family
244123752                   NC                  27932                Primary                  Single Family
244123824                   NC                  28382                Primary                  Manufactured Housing
244123832                   NC                  28390                Investor                 Single Family
244123989                   NC                  27983                Second Home              Single Family
244124008                   NC                  27312                Investor                 Single Family
244124123                   NC                  27205                Primary                  Single Family
244124125                   VA                  23222                Primary                  Single Family
244124130                   NC                  28752                Primary                  Manufactured Housing
244124149                   NC                  28304                Primary                  Single Family
244124156                   NC                  27909                Primary                  Single Family
244124169                   NC                  27536                Primary                  Single Family
244124194                   NC                  28303                Investor                 Single Family
244124195                   NC                  27874                Primary                  Single Family
244124229                   NC                  27704                Primary                  Single Family
244124675                   NC                  28451                Primary                  Single Family
244200571                   KY                  40175                Primary                  Single Family
244211077                   KY                  40272                Primary                  Single Family
244211405                   KY                  41030                Primary                  Single Family
244211445                   KY                  40109                Primary                  Single Family
244211481                   KY                  40508                Primary                  Single Family
244211551                   IN                  47167                Primary                  Single Family
244211574                   KY                  42303                Investor                 Single Family
244211733                   KY                  42459                Primary                  Single Family
244211741                   KY                  42164                Primary                  Single Family
244211756                   OH                  43812                Primary                  Single Family
244211865                   KY                  40330                Primary                  Single Family
244211877                   KY                  40215                Primary                  Single Family
244211930                   KY                  41472                Primary                  Single Family
244211986                   KY                  40216                Primary                  Single Family
244211997                   KY                  41042                Primary                  Single Family
244212041                   KY                  42721                Primary                  Single Family
244212184                   KY                  40150                Primary                  Single Family
244402463                   LA                  70364                Primary                  Single Family
244402480                   LA                  70454                Primary                  Single Family
244412691                   LA                  70560                Primary                  Single Family
244412852                   LA                  70531                Primary                  Manufactured Housing
244412910                   LA                  70115                Primary                  Single Family
244413008                   LA                  70128                Primary                  Single Family
244413016                   FL                  33056                Primary                  Single Family
244413126                   LA                  70520                Primary                  Single Family
244413127                   LA                  70114                Investor                 Single Family
244413174                   LA                  71446                Primary                  Single Family
244413197                   LA                  70127                Primary                  Single Family
244413235                   LA                  70116                Primary                  Condominium
244502599                   SC                  29501                Primary                  Single Family
244502600                   SC                  29506                Primary                  Manufactured Housing
244502643                   SC                  29440                Primary                  Single Family
244502759                   SC                  29483                Primary                  Manufactured Housing
244502808                   SC                  29038                Primary                  Single Family
244502849                   SC                  29874                Primary                  Single Family
244503028                   SC                  29532                Primary                  Single Family
244503040                   SC                  29611                Primary                  Single Family
244503108                   SC                  29550                Primary                  Single Family
244519218                   SC                  29006                Primary                  Single Family
244519260                   SC                  29810                Primary                  Single Family
244519290                   SC                  29540                Primary                  Single Family
244519365                   SC                  29209                Primary                  Single Family
244519534                   SC                  29488                Primary                  Single Family
244519577                   SC                  29924                Primary                  Single Family
244519586                   SC                  29902                Primary                  Single Family
244519636                   SC                  29229                Primary                  Single Family
244519647                   FL                  32713                Primary                  Single Family
244519666                   SC                  29406                Primary                  Single Family
244519693                   NC                  28655                Primary                  Single Family
244519705                   SC                  29206                Primary                  Single Family
244519723                   SC                  29102                Primary                  Single Family
244519746                   FL                  33711                Investor                 Single Family
244519809                   SC                  29115                Primary                  Single Family
244519855                   SC                  29483                Primary                  Single Family
244519856                   SC                  29063                Primary                  PUD
244519938                   SC                  29070                Primary                  Single Family
244519971                   SC                  29588                Primary                  Single Family
244601454                   KS                  67152                Primary                  Single Family
244601535                   MO                  65689                Primary                  Single Family
244601707                   MO                  65775                Primary                  Single Family
244815510                   WI                  53210                Investor                 Condominium
244815782                   WI                  53223                Primary                  Single Family
244816010                   WI                  53179                Primary                  Single Family
244900460                   NE                  68502                Primary                  Single Family
244900463                   NE                  68502                Investor                 Single Family
245002278                   NY                  13204                Investor                 Single Family
245102695                   PA                  17104                Primary                  Single Family
245107772                   NY                  14226                Primary                  Single Family
245107802                   PA                  17602                Primary                  Single Family
245107826                   DE                  19702                Primary                  Single Family
245107862                   FL                  34683                Primary                  PUD
245107897                   DE                  19804                Primary                  Single Family
245107912                   PA                  15644                Primary                  Single Family
245107932                   MD                  20736                Primary                  Single Family
245107934                   PA                  15234                Primary                  Single Family
245107941                   PA                  19013                Primary                  Single Family
245107942                   PA                  15061                Primary                  Single Family
245107968                   PA                  15650                Primary                  Single Family
245204294                   OH                  43206                Primary                  Single Family
245211318                   OH                  45011                Primary                  Single Family
245212262                   KY                  41011                Primary                  Single Family
245212306                   OH                  44118                Primary                  Single Family
245212323                   KY                  41076                Primary                  Condominium
245212334                   OH                  43232                Primary                  Single Family
245212359                   FL                  33405                Primary                  Single Family
245212362                   OH                  45750                Primary                  Single Family
245212380                   OH                  45223                Primary                  Single Family
245212390                   IN                  47025                Primary                  Single Family
245212393                   OH                  43213                Primary                  Single Family
245212400                   OH                  43026                Primary                  Single Family
245212402                   IN                  46036                Primary                  Single Family
245212409                   OH                  43130                Primary                  Single Family
245212433                   OH                  45414                Primary                  Single Family
245212486                   OH                  45406                Primary                  Single Family
245212491                   OH                  44145                Primary                  Single Family
245212502                   OH                  45424                Primary                  Single Family
245212515                   OH                  43204                Primary                  Single Family
245212568                   OH                  43068                Primary                  Single Family
245212585                   OH                  45415                Primary                  Single Family
245212702                   OH                  45103                Primary                  Condominium
245305109                   MI                  48088                Primary                  Single Family
245305183                   MI                  48071                Primary                  Single Family
245305204                   MI                  48221                Primary                  Single Family
245305210                   MI                  48813                Primary                  Single Family
245305236                   MI                  49421                Primary                  Single Family
245305258                   MI                  48706                Primary                  Single Family
245305264                   MI                  49006                Primary                  Single Family
245305287                   OH                  43913                Primary                  Single Family
245305325                   MI                  48198                Primary                  Condominium
245305330                   WI                  53223                Primary                  Single Family
245305334                   MI                  49508                Primary                  Single Family
245305337                   MI                  49508                Primary                  Single Family
245409060                   CO                  80910                Primary                  Single Family
245409066                   CO                  81212                Primary                  Single Family
245409116                   MO                  65325                Primary                  Single Family
245409133                   CO                  80004                Primary                  Single Family
245409147                   CO                  80211                Primary                  Single Family
245409157                   CO                  80205                Primary                  Condominium
245409162                   CO                  80004                Primary                  Single Family
245409195                   CO                  80233                Primary                  Single Family
245409207                   CO                  80920                Primary                  Single Family
245409220                   CO                  80916                Primary                  Single Family
245409229                   CO                  80916                Primary                  Single Family
245409230                   CO                  81050                Primary                  Single Family
245409274                   CO                  80229                Primary                  Townhouse
245409303                   CO                  80134                Primary                  Single Family
245409309                   CO                  80907                Primary                  Single Family
245409311                   CO                  80017                Primary                  Single Family
245409323                   CO                  80233                Primary                  PUD
245409331                   CO                  80018                Primary                  PUD
245409339                   CO                  80224                Primary                  Single Family
245409347                   NM                  87031                Primary                  Manufactured Housing
245409359                   CO                  80817                Primary                  Single Family
245409377                   CO                  80602                Primary                  PUD
245409382                   CO                  80128                Primary                  PUD
245409401                   CO                  80127                Primary                  Single Family
245409403                   CO                  80011                Primary                  Single Family
245409412                   CO                  80123                Primary                  Single Family
245605782                   NC                  27610                Primary                  PUD
245606032                   NC                  28428                Primary                  Condominium
245606090                   SC                  29646                Primary                  Single Family
245606127                   NC                  27606                Primary                  Single Family
245606148                   SC                  29464                Primary                  Condominium
245606152                   NC                  27592                Primary                  Single Family
245606166                   NC                  28766                Primary                  Manufactured Housing
245606184                   NC                  27317                Primary                  Manufactured Housing
245606190                   NC                  28731                Primary                  Single Family
245606193                   NC                  28716                Primary                  Single Family
245606208                   NC                  27610                Primary                  PUD
245606217                   NC                  27406                Primary                  Single Family
245606232                   NC                  28803                Primary                  Condominium
245606243                   NC                  27260                Primary                  Single Family
245606244                   NC                  27405                Primary                  Single Family
245606264                   SC                  29033                Primary                  Single Family
245606277                   SC                  29069                Primary                  Single Family
245606301                   NC                  28168                Primary                  Single Family
245606316                   NC                  28411                Primary                  PUD
245606323                   NC                  27265                Primary                  Single Family
245606324                   NC                  28613                Primary                  Single Family
245606371                   NC                  28164                Primary                  Manufactured Housing
245707959                   FL                  33012                Primary                  Single Family
245707972                   FL                  33030                Primary                  Single Family
245707991                   FL                  33331                Primary                  PUD
245707993                   FL                  33178                Primary                  Condominium
245708000                   FL                  33411                Primary                  Single Family
245708006                   FL                  33461                Primary                  Single Family
245708015                   FL                  33321                Primary                  PUD
245708032                   FL                  33063                Primary                  Single Family
245708034                   FL                  33313                Primary                  Condominium
245708041                   FL                  33032                Primary                  PUD
245708044                   FL                  33414                Primary                  Townhouse
245708048                   FL                  33012                Primary                  Condominium
245708052                   FL                  33018                Primary                  Single Family
245708059                   FL                  33196                Primary                  Single Family
245708062                   FL                  33905                Primary                  Single Family
245708064                   FL                  33467                Primary                  PUD
245708065                   FL                  33463                Primary                  Single Family
245708078                   FL                  33157                Primary                  Single Family
245708080                   FL                  33312                Primary                  Single Family
245708083                   FL                  33913                Primary                  PUD
245708085                   FL                  33445                Primary                  Single Family
245708087                   FL                  33068                Primary                  PUD
245708088                   FL                  33309                Primary                  Single Family
245708102                   FL                  33145                Primary                  Single Family
245708105                   FL                  33015                Primary                  Condominium
245708116                   FL                  33023                Primary                  Single Family
245708123                   FL                  33029                Primary                  PUD
245708126                   FL                  33463                Primary                  Townhouse
245708133                   FL                  33170                Primary                  Single Family
245708148                   FL                  33314                Primary                  Single Family
245708156                   FL                  32908                Primary                  Single Family
245708158                   FL                  33441                Primary                  Single Family
245708159                   FL                  33186                Primary                  Single Family
245708164                   FL                  33133                Primary                  Condominium
245708165                   FL                  32907                Primary                  Single Family
245708171                   FL                  33317                Primary                  Single Family
245708174                   FL                  33325                Primary                  PUD
245708190                   FL                  34983                Primary                  Single Family
245708197                   FL                  33184                Primary                  Condominium
245708241                   FL                  33187                Primary                  Single Family
245708243                   FL                  33415                Primary                  PUD
245708256                   FL                  33324                Primary                  Condominium
245708260                   FL                  33023                Primary                  Single Family
245708262                   FL                  33196                Primary                  Single Family
245708298                   FL                  33135                Primary                  Condominium
245708307                   FL                  33023                Primary                  Single Family
245708341                   FL                  32807                Primary                  Single Family
245708353                   FL                  33023                Primary                  Condominium
245708356                   FL                  33063                Primary                  Single Family
245708361                   FL                  33033                Primary                  Single Family
245708379                   FL                  33415                Primary                  Single Family
245708411                   FL                  33025                Primary                  Single Family
246002252                   CA                  91320                Primary                  Single Family
246002309                   CA                  95835                Primary                  PUD
246002321                   CA                  94565                Primary                  Single Family
246009725                   CA                  93313                Primary                  Single Family
246009733                   CA                  92377                Primary                  Single Family
246009753                   CA                  92509                Primary                  Single Family
246009776                   CA                  92509                Primary                  Single Family
246009797                   CA                  92126                Primary                  Single Family
246009802                   CA                  92503                Primary                  Single Family
246009825                   CA                  92371                Primary                  Single Family
246009833                   CA                  91754                Primary                  Single Family
246009837                   CA                  92703                Primary                  Single Family
246009840                   CA                  90605                Primary                  Single Family
246009853                   CA                  94591                Primary                  Single Family
246009855                   CA                  95630                Primary                  Single Family
246009859                   CA                  93523                Primary                  Single Family
246009899                   CA                  92801                Primary                  Single Family
246009901                   CA                  90059                Primary                  Single Family
246009902                   CA                  91709                Primary                  Condominium
246009913                   FL                  32566                Primary                  Single Family
246009923                   CA                  92704                Primary                  Condominium
246009928                   CA                  91344                Primary                  Single Family
246009935                   AZ                  85706                Primary                  Single Family
246009943                   CA                  92832                Primary                  Single Family
246009944                   FL                  33626                Primary                  PUD
246009990                   CA                  92555                Primary                  PUD
246010003                   CA                  92630                Primary                  Condominium
246010011                   CA                  93555                Primary                  Single Family
246010072                   CA                  91786                Primary                  Single Family
246010113                   CA                  92660                Primary                  PUD
246010128                   CA                  92374                Primary                  Single Family
246010136                   CA                  93591                Primary                  Single Family
246010140                   CA                  90660                Primary                  PUD
246010154                   CA                  90804                Primary                  Condominium
246010157                   CA                  92374                Primary                  Condominium
246010165                   CA                  92782                Primary                  Condominium
246010166                   CA                  92882                Primary                  Condominium
246205341                   RI                  02864                Primary                  Single Family
246205356                   CT                  06095                Primary                  Single Family
246205371                   CT                  06450                Primary                  Single Family
246205376                   CT                  06606                Primary                  Single Family
246205382                   ME                  04426                Primary                  Single Family
246205387                   CT                  06384                Primary                  Single Family
246205398                   RI                  02852                Primary                  Single Family
246205408                   CT                  06801                Primary                  Single Family
246205414                   RI                  02907                Primary                  Single Family
246205426                   CT                  06705                Primary                  Single Family
246205429                   MA                  01945                Primary                  Single Family
246205432                   CT                  06513                Primary                  Single Family
246205469                   CT                  06513                Primary                  Single Family
246205490                   CT                  06040                Primary                  Single Family
246205504                   CT                  06340                Primary                  Condominium
246205506                   CT                  06410                Primary                  Single Family
246205526                   ME                  04090                Primary                  Single Family
246205531                   CT                  06516                Primary                  Single Family
246205593                   MA                  01852                Primary                  Condominium
246205602                   CT                  06010                Primary                  Single Family
246300602                   OH                  45405                Primary                  Two-Four Family
246404433                   CA                  92557                Primary                  Single Family
246404482                   NV                  89148                Primary                  PUD
246404488                   AZ                  85249                Primary                  PUD
246404490                   CA                  92071                Primary                  Single Family
246404501                   CA                  90059                Primary                  Single Family
246404542                   FL                  32818                Primary                  PUD
246404591                   CA                  91710                Primary                  Single Family
246501504                   GA                  30035                Primary                  PUD
246701128                   MI                  48206                Investor                 Two-Four Family
246704911                   NC                  28202                Primary                  Single Family
246704929                   NY                  14613                Primary                  Single Family
246704934                   WV                  25446                Primary                  Single Family
246704938                   VA                  23860                Primary                  Single Family
246704971                   ME                  04966                Primary                  Single Family
246704991                   WV                  25705                Primary                  Single Family
246704997                   VA                  24531                Primary                  Single Family
246705000                   NC                  28422                Primary                  Manufactured Housing
246705025                   NY                  14435                Primary                  Single Family
246705039                   VA                  22630                Primary                  Single Family
246801580                   MS                  39203                Primary                  Single Family
246808107                   MO                  63031                Primary                  Single Family
246808109                   MO                  63137                Primary                  Single Family
246808134                   MO                  63111                Primary                  Single Family
246808135                   MO                  63015                Primary                  Single Family
246808149                   MO                  63303                Primary                  Single Family
246808169                   TN                  37048                Primary                  Single Family
246808180                   TN                  37064                Primary                  PUD
246808192                   TN                  37876                Primary                  Single Family
246808204                   TN                  37419                Primary                  Single Family
246808208                   TN                  37779                Primary                  Single Family
246808212                   KY                  40516                Primary                  PUD
246808218                   TN                  38451                Primary                  Single Family
246808229                   GA                  30752                Primary                  Single Family
246808235                   MO                  63111                Primary                  Single Family
246808240                   TN                  37914                Primary                  Single Family
246808359                   GA                  30736                Primary                  Single Family
246808392                   TN                  37143                Primary                  Single Family
246903676                   MD                  20721                Primary                  PUD
246903716                   MD                  20781                Primary                  Single Family
246903725                   PA                  19149                Primary                  Townhouse
246903734                   PA                  17331                Primary                  Condominium
247301053                   AZ                  85607                Primary                  Single Family
247305256                   AZ                  85242                Primary                  PUD
247305460                   AZ                  85340                Primary                  PUD
247305463                   AZ                  85363                Primary                  PUD
247305501                   AZ                  85031                Primary                  Condominium
247305511                   AZ                  85379                Primary                  PUD
247305512                   AZ                  85242                Primary                  PUD
247305565                   AZ                  85712                Primary                  Single Family
247305566                   AZ                  85242                Primary                  PUD
247305577                   AZ                  85379                Primary                  PUD
247305585                   AZ                  85374                Primary                  PUD
247305595                   AZ                  85326                Primary                  Manufactured Housing
247305598                   AZ                  85374                Primary                  Single Family
247305602                   AZ                  85019                Primary                  Single Family
247305618                   AZ                  85296                Primary                  PUD
247305632                   AZ                  85296                Primary                  PUD
247305634                   AZ                  85242                Primary                  PUD
247305651                   AZ                  85044                Primary                  PUD
247305662                   AZ                  85546                Primary                  Single Family
247305664                   AZ                  85033                Primary                  Single Family
247305671                   AZ                  85249                Primary                  Single Family
247404265                   TX                  78501                Primary                  Single Family
247404400                   TX                  78501                Primary                  Single Family
247404470                   FL                  32771                Primary                  Single Family
247404480                   AZ                  85303                Primary                  Single Family
247404484                   TX                  77511                Primary                  Single Family
247404485                   TX                  75494                Primary                  Single Family
247404496                   FL                  32117                Primary                  Single Family
247404548                   TX                  75240                Primary                  Condominium
247404557                   FL                  33351                Primary                  Condominium
247404580                   IA                  51248                Primary                  Single Family
247404585                   TX                  75703                Primary                  Single Family
247404591                   TX                  78701                Primary                  Condominium
247404634                   FL                  33760                Primary                  Single Family
247404696                   GA                  31075                Primary                  Manufactured Housing
247404710                   TX                  78574                Primary                  Single Family
247404721                   TX                  78521                Primary                  Single Family
247404737                   TX                  76137                Primary                  Single Family
247404807                   MN                  56201                Primary                  Single Family
247404811                   IA                  52537                Primary                  Single Family
247404832                   MO                  65706                Primary                  Single Family
247404840                   FL                  34142                Primary                  Single Family
247404845                   TX                  76301                Primary                  Single Family
247404896                   IA                  50021                Primary                  Condominium
247404906                   IA                  50021                Primary                  Single Family
247404909                   IA                  50278                Primary                  Single Family
247404916                   FL                  33023                Primary                  Single Family
247404931                   IA                  50613                Primary                  Single Family
247404937                   IA                  50208                Primary                  Single Family
247404955                   OK                  73120                Primary                  Single Family
247603159                   FL                  32818                Primary                  Single Family
247603250                   FL                  32333                Primary                  Single Family
247603281                   NM                  87114                Primary                  Single Family
247603282                   TX                  75791                Primary                  Single Family
247603303                   TX                  78216                Primary                  Single Family
247603304                   FL                  32340                Primary                  Single Family
247603318                   LA                  70611                Primary                  Single Family
247603331                   AZ                  85602                Primary                  Manufactured Housing
247603349                   TX                  77429                Primary                  Single Family
247603353                   NM                  87301                Primary                  Single Family
247603403                   FL                  32305                Primary                  Manufactured Housing
247603404                   TX                  78634                Primary                  Manufactured Housing
247603409                   FL                  33407                Primary                  PUD
247603410                   TX                  78539                Primary                  Single Family
247603414                   FL                  32818                Primary                  PUD
247603446                   NM                  87532                Primary                  Single Family
247603453                   NM                  88220                Primary                  Single Family
248605215                   CA                  92555                Primary                  Single Family
248605221                   CA                  94558                Primary                  Single Family
248605228                   TX                  75143                Primary                  Single Family
248605233                   MA                  01832                Primary                  Single Family
248605310                   TX                  76099                Primary                  Single Family
248605402                   NC                  27603                Primary                  Single Family
248605419                   AZ                  85207                Primary                  Single Family
248605421                   CA                  93446                Primary                  Single Family
248605434                   CA                  95356                Primary                  Single Family
248605443                   MO                  64083                Primary                  Single Family
248605447                   FL                  34952                Primary                  Single Family
248605454                   WA                  98374                Primary                  Single Family
248605459                   MD                  21229                Primary                  Single Family
248605460                   NM                  87105                Primary                  Single Family
248605465                   CO                  80918                Primary                  Single Family
248605471                   CA                  93722                Primary                  Single Family
248605474                   AZ                  85307                Primary                  Single Family
248605478                   CA                  93257                Primary                  Single Family
248605481                   PA                  19146                Primary                  Single Family
248605484                   CA                  93722                Primary                  Single Family
248605489                   MD                  20743                Primary                  Single Family
248605492                   TN                  37075                Primary                  Single Family
248605499                   TX                  78154                Primary                  Single Family
248605502                   KS                  66216                Primary                  Single Family
248605504                   TN                  37066                Primary                  Single Family
248605505                   FL                  33634                Primary                  Single Family
248605509                   WA                  98204                Primary                  Condominium
248605514                   NH                  03825                Primary                  Single Family
248605527                   FL                  33071                Primary                  Single Family
248605530                   CO                  80538                Primary                  Single Family
248605537                   CA                  93257                Primary                  Single Family
248605539                   MA                  02171                Primary                  Single Family
248605541                   CA                  93257                Primary                  Single Family
248605546                   NH                  03109                Primary                  Condominium
248605547                   MD                  20747                Primary                  Single Family
248605549                   NM                  87111                Primary                  Single Family
248605551                   FL                  33604                Primary                  Single Family
248605552                   CO                  80538                Primary                  Single Family
248605553                   CA                  95382                Primary                  Single Family
248605554                   AZ                  85204                Primary                  Single Family
248605561                   FL                  32246                Primary                  Single Family
248605562                   AZ                  85364                Primary                  Single Family
248605571                   FL                  32211                Primary                  Single Family
248605576                   CA                  93277                Primary                  Single Family
248605579                   FL                  34759                Primary                  PUD
248605580                   AZ                  85210                Primary                  Single Family
248605582                   AZ                  85234                Primary                  Condominium
248605583                   NV                  89015                Primary                  Single Family
248605585                   CO                  80922                Primary                  PUD
248605594                   AZ                  85208                Primary                  Single Family
248605600                   CO                  80918                Primary                  Single Family
248605602                   CA                  92592                Primary                  Condominium
248605612                   FL                  34691                Primary                  Single Family
248605618                   CO                  80501                Primary                  Single Family
248605626                   NM                  87105                Primary                  Single Family
248605627                   FL                  34759                Primary                  Single Family
248605634                   CA                  93257                Primary                  Single Family
248605635                   FL                  32034                Primary                  PUD
248605640                   AZ                  85208                Primary                  Single Family
248605643                   CO                  80922                Primary                  PUD
248605648                   WA                  98031                Primary                  Single Family
248605651                   CA                  93257                Primary                  Single Family
248605654                   FL                  32068                Primary                  Single Family
248605655                   AZ                  85225                Primary                  Single Family
248605656                   CA                  93257                Primary                  Single Family
248605661                   FL                  34691                Primary                  Single Family
248605663                   FL                  33445                Primary                  PUD
248605665                   FL                  33060                Primary                  Condominium
248605670                   VA                  22554                Primary                  Single Family
248605671                   AZ                  85037                Primary                  Single Family
248605677                   WA                  98058                Primary                  Condominium
248605681                   AZ                  85207                Primary                  Single Family
248605683                   FL                  34608                Primary                  Single Family
248605685                   CA                  93257                Primary                  Single Family
248605689                   AZ                  85304                Primary                  Single Family
248605690                   CA                  95207                Primary                  Single Family
248605698                   CO                  80026                Primary                  PUD
248605707                   FL                  34209                Primary                  Condominium
248605712                   CA                  93257                Primary                  Single Family
248605719                   GA                  30016                Primary                  Single Family
248605724                   CA                  93257                Primary                  Single Family
248605726                   WA                  98058                Primary                  Condominium
248605727                   FL                  33634                Primary                  Single Family
248605730                   FL                  33615                Primary                  Single Family
248605737                   CA                  91306                Primary                  Single Family
248605739                   WA                  98108                Primary                  Single Family
248605740                   KY                  40217                Primary                  Single Family
248605742                   FL                  33414                Primary                  PUD
248605748                   CA                  93257                Primary                  Single Family
248605759                   TX                  75007                Primary                  Single Family
248605760                   NM                  87124                Primary                  Single Family
248605762                   CO                  81504                Primary                  Single Family
248605767                   FL                  33004                Primary                  Condominium
248605775                   MD                  20613                Primary                  Single Family
248605777                   FL                  33569                Primary                  Single Family
248605784                   FL                  33615                Primary                  Single Family
248605785                   FL                  33470                Primary                  Single Family
248605787                   TX                  75147                Primary                  Single Family
248605789                   FL                  33411                Primary                  PUD
248605794                   CO                  80550                Primary                  Single Family
248605798                   FL                  32222                Primary                  Single Family
248605799                   MD                  20774                Primary                  Single Family
248605800                   MA                  01832                Primary                  Condominium
248605801                   FL                  32095                Primary                  PUD
248605804                   CA                  93257                Primary                  Single Family
248605808                   CA                  93662                Primary                  Single Family
248605812                   RI                  02864                Primary                  Single Family
248605813                   KS                  66212                Primary                  Single Family
248605817                   FL                  33306                Primary                  Condominium
248605818                   FL                  34209                Primary                  Condominium
248605826                   WA                  98258                Primary                  Single Family
248605836                   NM                  87124                Primary                  Single Family
248605840                   AZ                  85206                Primary                  PUD
248605844                   CA                  93257                Primary                  Single Family
248605845                   GA                  30252                Primary                  Single Family
248605846                   NM                  87114                Primary                  Single Family
248605847                   FL                  34209                Primary                  Condominium
248605848                   CA                  93257                Primary                  Single Family
248605855                   GA                  30252                Primary                  Single Family
248605856                   NM                  87105                Primary                  Single Family
248605857                   AZ                  86327                Primary                  Single Family
248605861                   WA                  98022                Primary                  Single Family
248605863                   VA                  20176                Primary                  Single Family
248605865                   MN                  55068                Primary                  Single Family
248605870                   VA                  20120                Primary                  Townhouse
248605878                   TX                  76063                Primary                  Single Family
248605884                   VA                  22192                Primary                  PUD
248605887                   NM                  87105                Primary                  Single Family
248605897                   VA                  22554                Primary                  Single Family
248605899                   CO                  80543                Primary                  Single Family
248605902                   IL                  60534                Primary                  Condominium
248605912                   FL                  33607                Primary                  Single Family
248605916                   TX                  75025                Primary                  Single Family
248605919                   TX                  76012                Primary                  Single Family
248605922                   CA                  93257                Primary                  Single Family
248605928                   CA                  93277                Primary                  Single Family
248605932                   VA                  20110                Primary                  Single Family
248605933                   CA                  93257                Primary                  Single Family
248605935                   CA                  93704                Primary                  Single Family
248605938                   CA                  91387                Primary                  Condominium
248605942                   CA                  91354                Primary                  Condominium
248605944                   MD                  20874                Primary                  Single Family
248605948                   VA                  20124                Primary                  PUD
248605952                   WA                  98270                Primary                  Single Family
248605953                   SC                  29579                Primary                  PUD
248605954                   PA                  19015                Primary                  Single Family
248605955                   FL                  32507                Primary                  Single Family
248605956                   FL                  34221                Primary                  Single Family
248605958                   FL                  33309                Primary                  Single Family
248605962                   FL                  32226                Primary                  PUD
248605967                   MO                  64029                Primary                  Single Family
248605968                   GA                  30228                Primary                  Single Family
248605970                   VA                  22315                Primary                  PUD
248605974                   NM                  87121                Primary                  Single Family
248605976                   AZ                  85308                Primary                  PUD
248605977                   AZ                  85233                Primary                  Single Family
248605981                   WA                  98108                Primary                  PUD
248606000                   FL                  33461                Primary                  Single Family
248606005                   AZ                  85308                Primary                  PUD
248606008                   GA                  30080                Primary                  Condominium
248606009                   NM                  87121                Primary                  Single Family
248606024                   TX                  75010                Primary                  PUD
248606037                   TX                  75233                Primary                  Single Family
248606045                   FL                  34744                Primary                  Single Family
248606054                   AZ                  85379                Primary                  Single Family
248606112                   FL                  33936                Primary                  Single Family
248606118                   AZ                  85304                Primary                  Single Family
248606144                   CA                  93704                Primary                  Single Family
248606148                   TN                  37072                Primary                  Single Family
248606158                   FL                  33594                Primary                  PUD
248606161                   MA                  01879                Primary                  Condominium
248606164                   AZ                  85257                Primary                  Single Family
248606170                   FL                  34743                Primary                  Single Family
248606171                   AZ                  85215                Primary                  PUD
248606183                   FL                  32909                Primary                  Single Family
248606184                   FL                  32905                Primary                  Single Family
248606187                   WA                  98248                Primary                  Single Family
248606189                   TN                  37013                Primary                  Single Family
248606227                   TN                  37075                Primary                  Condominium
248606253                   FL                  32909                Primary                  Single Family
248606311                   WA                  98936                Primary                  Single Family
248606328                   NY                  14617                Primary                  Single Family
248606335                   MA                  01432                Primary                  Single Family
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248606341                   NM                  87114                Primary                  Single Family
248606346                   FL                  33540                Primary                  Single Family
248606352                   WA                  98059                Primary                  Condominium
248606363                   MA                  01879                Primary                  Condominium
248606369                   CA                  92314                Primary                  Single Family
248606370                   WA                  98223                Primary                  Townhouse
248606383                   VT                  05403                Primary                  Condominium
248606420                   IN                  46077                Second Home              Single Family
249007080                   NC                  76134                Second Home              Single Family
249007245                   PA                  15214                Primary                  Single Family
249007449                   ME                  04276                Primary                  Single Family
249007515                   AR                  71730                Investor                 Manufactured Housing
249023305                   FL                  32712                Primary                  PUD
249023459                   MI                  49415                Primary                  Single Family
249023575                   GA                  31808                Primary                  Single Family
249023707                   NJ                  08807                Primary                  Single Family
249023733                   NY                  12980                Primary                  Single Family
249023746                   TX                  78596                Primary                  Single Family
249023873                   TX                  78384                Primary                  Single Family
249023905                   VA                  24328                Primary                  Single Family
249023942                   NC                  27284                Primary                  Single Family
249023956                   FL                  34982                Primary                  Single Family
249023972                   PA                  18428                Primary                  Single Family
249024064                   OR                  97116                Primary                  Single Family
249024113                   TX                  77020                Primary                  Single Family
249024114                   VA                  23608                Primary                  Condominium
249024131                   TX                  75209                Primary                  Single Family
249024171                   TX                  78501                Primary                  Single Family
249024187                   MA                  01803                Primary                  Single Family
249107149                   TX                  78840                Primary                  Single Family
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249121123                   PA                  18353                Primary                  Single Family
249121616                   OH                  44224                Primary                  Single Family
249121650                   FL                  32507                Investor                 Single Family
249121656                   PA                  18347                Primary                  Single Family
249121766                   TX                  78363                Investor                 Single Family
249121776                   PA                  18353                Primary                  Single Family
249121795                   NE                  68361                Investor                 Single Family
249121875                   PA                  18337                Primary                  PUD
249122003                   FL                  32571                Primary                  Single Family
249122037                   TX                  76133                Investor                 Single Family
249122072                   OR                  97415                Primary                  Single Family
249122091                   OH                  45652                Primary                  Single Family
249122104                   TX                  76365                Primary                  Single Family
249122109                   NY                  12018                Primary                  Single Family
249122110                   NJ                  08865                Primary                  Single Family
249122157                   TX                  77611                Primary                  Single Family
249122169                   CA                  90016                Primary                  Condominium
249122173                   IA                  50208                Primary                  Single Family
249122194                   MI                  48423                Primary                  Single Family
249122209                   GA                  31909                Primary                  Single Family
249122222                   IN                  46405                Primary                  Single Family
249122223                   MO                  65284                Primary                  Single Family
249122236                   VT                  05452                Primary                  Condominium
249122312                   CA                  95123                Primary                  Single Family
249200018                   MO                  63530                Primary                  Single Family
249208152                   IL                  61920                Primary                  Single Family
249208164                   MS                  39735                Primary                  Single Family
249208307                   MO                  65251                Primary                  Single Family
249208374                   OK                  74848                Primary                  Single Family
249208534                   KY                  42420                Primary                  Single Family
249226343                   PA                  17356                Primary                  Single Family
249226422                   TX                  79102                Primary                  Single Family
249226454                   OK                  74127                Primary                  Single Family
249226775                   TX                  78357                Primary                  Single Family
249226788                   IA                  52315                Primary                  Single Family
249226805                   KS                  66838                Primary                  Single Family
249226808                   ND                  58047                Primary                  Single Family
249226880                   IA                  51510                Primary                  Single Family
249226901                   ND                  58047                Primary                  Single Family
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249227002                   TX                  78332                Primary                  Single Family
249227051                   TX                  77072                Primary                  Single Family
249227063                   FL                  32726                Primary                  Single Family
249227080                   TX                  78227                Primary                  Single Family
249227165                   FL                  33056                Primary                  PUD
249227218                   WA                  98935                Primary                  Single Family
249227267                   TX                  78852                Primary                  Single Family
249227271                   TX                  79745                Primary                  Single Family
249227276                   IA                  51103                Primary                  Single Family
249227299                   FL                  32817                Primary                  PUD
249227311                   MD                  21207                Primary                  Single Family
249227406                   FL                  33165                Primary                  Single Family
249227426                   FL                  32310                Investor                 Single Family
249227531                   OH                  45805                Primary                  Single Family
249227545                   VA                  22026                Primary                  Condominium
249227661                   TX                  79108                Primary                  Single Family
249305518                   PA                  19124                Primary                  Single Family
249305578                   KY                  42701                Primary                  Single Family
249320533                   SC                  29650                Primary                  Single Family
249320689                   FL                  33172                Primary                  Condominium
249320949                   PA                  15090                Primary                  Condominium
249320999                   VT                  05701                Primary                  Single Family
249321183                   TX                  78582                Primary                  Single Family
249321329                   TX                  75078                Primary                  Single Family
249321417                   IN                  46410                Primary                  Single Family
249321418                   VA                  24019                Primary                  Single Family
249321500                   TX                  78501                Primary                  Single Family
249321555                   VA                  22191                Primary                  PUD
249321560                   SC                  29405                Primary                  Single Family
249321582                   CA                  95407                Primary                  Single Family
249321609                   IN                  47250                Primary                  Single Family
249321750                   VA                  23435                Primary                  PUD
249321803                   FL                  34116                Primary                  Single Family
249321872                   NY                  14227                Primary                  Single Family
249403952                   PA                  19601                Primary                  Single Family
249404233                   PA                  15767                Primary                  Single Family
249504115                   NJ                  08270                Primary                  Single Family
249504429                   OK                  73149                Primary                  Single Family
249521167                   MD                  21117                Primary                  Single Family
249521952                   AR                  72204                Primary                  Single Family
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249522493                   ND                  58078                Primary                  Single Family
249522584                   AR                  72756                Primary                  Single Family
249522676                   LA                  71426                Investor                 Single Family
249522706                   CA                  95320                Primary                  Single Family
249522766                   AR                  72901                Primary                  Single Family
249522783                   FL                  32955                Primary                  Single Family
249522798                   NY                  14432                Primary                  Single Family
249522816                   NV                  89123                Primary                  Single Family
249522941                   LA                  71064                Primary                  Single Family
249523026                   FL                  34224                Primary                  Single Family
249523068                   FL                  33067                Primary                  Condominium
249523114                   CA                  92562                Primary                  Single Family
249523143                   VA                  20110                Primary                  Condominium
249523148                   KS                  66968                Primary                  Single Family
249523151                   TX                  78374                Primary                  Single Family
249523160                   AR                  72523                Primary                  Manufactured Housing
249523163                   FL                  33175                Primary                  Single Family
249523183                   CT                  06437                Primary                  Single Family
249523201                   VT                  05361                Primary                  Single Family
249523210                   FL                  33177                Primary                  Single Family
249523213                   CA                  92243                Primary                  Single Family
249523439                   NJ                  07470                Primary                  Single Family
249602746                   TX                  75253                Primary                  Single Family
249602976                   TX                  78752                Primary                  Single Family
249615513                   TX                  79084                Primary                  Single Family
249615515                   VA                  20112                Primary                  Single Family
249615565                   TX                  75143                Primary                  Single Family
249615644                   NJ                  08075                Primary                  Single Family
249615657                   PA                  19608                Primary                  Single Family
249615842                   TX                  77469                Primary                  Single Family
249615878                   OK                  73120                Primary                  Single Family
249615942                   NY                  12047                Primary                  Single Family
249616047                   CA                  91768                Primary                  Single Family
249616081                   OH                  45121                Primary                  Single Family
249616099                   MA                  01013                Primary                  Single Family
249616119                   AZ                  85029                Primary                  Single Family
249616183                   TN                  37167                Primary                  Single Family
249616193                   TX                  77065                Primary                  Single Family
249616281                   OH                  45171                Primary                  Single Family
249616295                   NJ                  08106                Primary                  Single Family
249616315                   NY                  12090                Primary                  Single Family
249616346                   NY                  13027                Primary                  Single Family
249616352                   GA                  30297                Primary                  Single Family
249616370                   TX                  76036                Primary                  Single Family
249616385                   KS                  66801                Primary                  Single Family
249616399                   NH                  03038                Primary                  Single Family
249616451                   TX                  78387                Primary                  Single Family
249616466                   MS                  39042                Primary                  Single Family
249616474                   TX                  77372                Primary                  Single Family
249616497                   FL                  34786                Primary                  PUD
249616510                   MS                  38654                Primary                  Single Family
249616587                   PA                  17847                Primary                  Single Family
249616626                   CA                  92057                Primary                  Single Family
249616638                   GA                  30204                Primary                  Single Family
249723869                   NJ                  07721                Primary                  Single Family
249723930                   TX                  76708                Investor                 Single Family
249723998                   FL                  33801                Primary                  Single Family
249724158                   ME                  04988                Primary                  Single Family
249724328                   NM                  88232                Primary                  Single Family
249724391                   FL                  32246                Primary                  Single Family
249724430                   MO                  63010                Primary                  Single Family
249724462                   FL                  32796                Primary                  Single Family
249724534                   VA                  23454                Primary                  Townhouse
249724585                   FL                  34758                Primary                  Single Family
249724605                   NJ                  07712                Primary                  Single Family
249724680                   ME                  04924                Primary                  Single Family
249724699                   CA                  93551                Primary                  Single Family
249724727                   NE                  69101                Primary                  Single Family
249724730                   TX                  78580                Primary                  Single Family
249724740                   FL                  34743                Primary                  Single Family
249724773                   ME                  04459                Primary                  Single Family
249724821                   ME                  04938                Primary                  Single Family
249724825                   FL                  34711                Primary                  Single Family
249724876                   NY                  13601                Primary                  Single Family
249724897                   NJ                  08844                Primary                  Townhouse
249724898                   NH                  03766                Primary                  Single Family
249724980                   FL                  34711                Primary                  PUD
249725054                   NE                  68147                Primary                  Single Family
249725094                   ME                  04401                Primary                  Single Family
249725167                   NY                  11717                Primary                  Single Family
249725222                   GA                  31792                Primary                  Single Family
249725262                   FL                  32563                Primary                  Single Family
249800840                   MI                  49224                Investor                 Single Family
249801014                   OK                  74017                Primary                  Single Family
249802271                   PA                  19120                Investor                 Single Family
249802655                   NV                  89431                Primary                  Single Family
249818257                   MO                  63043                Primary                  Single Family
249818417                   VA                  23452                Primary                  Single Family
250700062                   GA                  30294                Primary                  Single Family
250800095                   MD                  20783                Primary                  Single Family
250800126                   MD                  20814                Primary                  Condominium
250800144                   MD                  20785                Primary                  Townhouse
250800197                   VA                  23234                Primary                  PUD
250800212                   MD                  20707                Primary                  Single Family
250800213                   PA                  18102                Primary                  Single Family
250800216                   VA                  20115                Primary                  Single Family
250800222                   VA                  23701                Primary                  Single Family
250800256                   VA                  23462                Primary                  Single Family
250800271                   MD                  20705                Primary                  Single Family
250800274                   VA                  23235                Primary                  Single Family
250800277                   VA                  22032                Primary                  Single Family
250800285                   VA                  20151                Primary                  Condominium
250800289                   MD                  20772                Primary                  Single Family
250800290                   MD                  20878                Primary                  Townhouse
250800299                   VA                  22312                Primary                  Townhouse
250800307                   VA                  23832                Primary                  Single Family
250800318                   VA                  22655                Primary                  Single Family
250800346                   VA                  22556                Primary                  Single Family
250800357                   MD                  20850                Primary                  Single Family
250800361                   MD                  20774                Primary                  Single Family
250800375                   VA                  23323                Primary                  Single Family
250800419                   MD                  20707                Primary                  Townhouse
250800424                   VA                  22033                Primary                  Condominium
250800437                   VA                  23462                Primary                  PUD
250800441                   MD                  21801                Primary                  Single Family
250800450                   VA                  23320                Primary                  Single Family
250800466                   VA                  22079                Primary                  Townhouse
250800471                   VA                  23072                Primary                  Single Family
250800490                   VA                  23116                Primary                  Single Family
250800528                   VA                  23321                Primary                  Single Family
250800547                   VA                  23320                Primary                  Single Family
250900887                   VA                  22542                Primary                  Single Family
250900895                   NC                  28642                Primary                  Single Family
250900900                   VA                  22191                Primary                  Single Family
250900921                   GA                  30731                Primary                  Single Family
250900923                   MA                  02330                Primary                  Single Family
250900952                   SC                  29115                Primary                  Single Family
250900954                   CT                  06484                Primary                  Condominium
250900957                   CT                  06851                Primary                  Single Family
250900976                   VA                  22534                Primary                  Single Family
250901010                   CT                  06105                Investor                 Condominium
250901041                   DE                  19904                Primary                  Single Family
250901058                   NC                  27909                Primary                  Single Family
250901067                   VA                  23116                Primary                  Single Family
251100651                   CA                  95953                Primary                  Single Family
251100682                   CA                  95610                Primary                  Single Family
251100693                   CA                  93635                Primary                  Single Family
251100698                   CA                  93906                Primary                  Single Family
251100703                   CA                  94603                Primary                  Single Family
251100706                   CA                  95122                Primary                  Single Family
251100714                   CA                  94541                Primary                  Single Family
251100715                   CA                  95758                Primary                  Single Family
251100729                   CA                  95827                Primary                  Single Family
251100731                   CA                  95648                Primary                  Single Family
251100747                   CA                  95843                Primary                  Single Family
251100764                   CA                  95388                Primary                  Single Family
251100772                   CA                  94608                Primary                  Single Family
251100783                   CA                  95628                Primary                  Condominium
251100786                   CA                  95628                Primary                  Condominium
251100829                   CA                  95206                Primary                  Single Family
251100843                   CA                  94544                Primary                  Single Family
251100844                   CA                  94509                Primary                  PUD
251100861                   CA                  95610                Primary                  Single Family
251100872                   CA                  94587                Primary                  Single Family
251100893                   CA                  95619                Primary                  Single Family
251201053                   IN                  47610                Primary                  Single Family
251201103                   MO                  63147                Primary                  Single Family
251201124                   OH                  45011                Primary                  Single Family
251201196                   IN                  47459                Primary                  Single Family
251201206                   IN                  46516                Primary                  Single Family
251301254                   OH                  44142                Primary                  Single Family
251301301                   OH                  43608                Primary                  Single Family
251301305                   OH                  45133                Primary                  Manufactured Housing
251301315                   TN                  37909                Primary                  Single Family
251301331                   OH                  44125                Primary                  Single Family
251400937                   OR                  97049                Primary                  Single Family
251400972                   OR                  97026                Primary                  Single Family
251401004                   WA                  98402                Primary                  Condominium
251401008                   WA                  98406                Primary                  Condominium
251401040                   WA                  98338                Primary                  Manufactured Housing
251401062                   OR                  97266                Primary                  Single Family
251401093                   WA                  98346                Primary                  Single Family
251401143                   WA                  99205                Primary                  Single Family
251401148                   WA                  98037                Primary                  Single Family
251401183                   WA                  98661                Primary                  Single Family
251401198                   WA                  98407                Primary                  Single Family
251401234                   WA                  98908                Primary                  Single Family
251500889                   ID                  83687                Primary                  Single Family
251500916                   OR                  97838                Primary                  Manufactured Housing
251500941                   WA                  98407                Primary                  Single Family
251500947                   OR                  97301                Primary                  Single Family
251500956                   ID                  83864                Primary                  Single Family
251500982                   ID                  83221                Primary                  Single Family
251501002                   ID                  83352                Primary                  Single Family
251501028                   WA                  98052                Primary                  Condominium
251501032                   ID                  83647                Primary                  Single Family
251501044                   OR                  97501                Primary                  Manufactured Housing
251501047                   WA                  99301                Primary                  Manufactured Housing
251501065                   WA                  98922                Primary                  Manufactured Housing
251501070                   WA                  99337                Primary                  Manufactured Housing
251501086                   WA                  98023                Primary                  Single Family
251501135                   WA                  98031                Primary                  PUD
251501162                   WA                  98404                Primary                  Single Family
251501165                   MT                  59401                Primary                  Single Family
251501197                   OR                  97502                Primary                  Single Family
251501199                   WA                  98042                Primary                  Single Family
251600978                   UT                  84302                Primary                  Single Family
251601038                   UT                  84062                Primary                  Single Family
251601169                   UT                  84660                Primary                  Single Family
251601213                   UT                  84404                Primary                  Single Family
251601218                   WA                  98072                Primary                  Condominium
251601284                   WA                  98056                Primary                  Single Family
251601290                   WA                  98204                Primary                  Condominium
251601321                   UT                  84321                Primary                  Single Family
251601351                   UT                  84118                Primary                  Single Family
251601352                   UT                  84118                Primary                  Single Family
251601362                   WA                  98043                Primary                  Single Family
251601373                   WA                  98292                Primary                  Single Family
251601388                   WA                  98902                Primary                  Single Family
251601389                   WA                  98902                Primary                  Single Family
252004760                   KY                  40324                Primary                  Single Family
252004802                   OH                  43512                Primary                  Single Family
252004856                   IN                  46260                Primary                  Single Family
252004868                   IN                  47041                Primary                  Single Family
252004887                   IN                  47246                Primary                  Single Family
252004960                   IN                  46939                Primary                  Single Family
252005002                   IN                  46901                Primary                  Single Family
252005034                   WI                  54208                Primary                  Single Family
252005046                   MN                  55401                Primary                  Condominium
252005053                   IN                  46228                Primary                  Single Family
252005082                   IN                  46217                Primary                  Single Family
252005096                   IN                  46107                Primary                  Single Family
252005109                   MN                  55060                Primary                  Single Family
252005137                   IN                  46807                Primary                  Single Family
252205402                   TX                  78547                Primary                  Single Family
252205571                   ME                  04924                Primary                  Single Family
252205656                   TX                  78382                Primary                  Single Family
252205925                   SC                  29512                Primary                  Single Family
252206168                   NJ                  08724                Primary                  Single Family
252206194                   VA                  23452                Primary                  Condominium
252206225                   WA                  98349                Primary                  Manufactured Housing
252206278                   FL                  34953                Primary                  Single Family
252206356                   FL                  34744                Primary                  Single Family
252206398                   NY                  12202                Primary                  Two-Four Family
252206601                   KS                  67432                Primary                  Single Family
252402166                   NJ                  08226                Primary                  Condominium
252405038                   FL                  34237                Primary                  Single Family
252405039                   FL                  33904                Primary                  Single Family
252405092                   FL                  32003                Primary                  Single Family
252405120                   FL                  34203                Primary                  PUD
252405199                   TN                  37323                Primary                  Single Family
252405263                   PA                  19021                Primary                  Single Family
252405272                   LA                  71109                Primary                  Single Family
252405280                   MI                  48228                Primary                  Single Family
252405303                   VA                  23666                Primary                  Single Family
252405313                   TX                  78559                Primary                  Single Family
252405353                   MI                  49286                Primary                  Single Family
252405394                   CA                  93555                Primary                  Single Family
252405412                   NJ                  08731                Primary                  Single Family
252405454                   WA                  99205                Primary                  Single Family
252405458                   FL                  34986                Primary                  Single Family
252405512                   TX                  78221                Primary                  Single Family
252405569                   TX                  75148                Primary                  Single Family
252405602                   TX                  75092                Primary                  Single Family
252405626                   FL                  32060                Primary                  Single Family
252405628                   NV                  89031                Primary                  PUD
252405643                   NJ                  08816                Primary                  Single Family
252405647                   FL                  32547                Primary                  Single Family
252405659                   NY                  14624                Primary                  Single Family
252405679                   FL                  32257                Primary                  Single Family
252405705                   AZ                  85741                Primary                  Single Family
252405711                   CA                  94531                Primary                  Single Family
252405755                   VA                  22193                Primary                  Single Family
252405768                   GA                  30110                Primary                  Single Family
252405964                   OH                  45653                Primary                  Single Family
252505413                   TX                  77469                Primary                  Single Family
252505561                   CA                  93552                Primary                  Single Family
252505614                   CA                  93274                Primary                  Single Family
252505651                   NY                  13471                Primary                  Single Family
252505665                   PA                  15068                Investor                 Single Family
252505667                   TX                  78382                Primary                  Single Family
252505688                   FL                  32771                Primary                  Single Family
252505751                   DE                  19720                Primary                  Single Family
252505803                   WV                  26508                Primary                  Single Family
252505818                   OK                  74354                Primary                  Single Family
252505825                   FL                  33313                Primary                  Townhouse
252505832                   MO                  63640                Primary                  Single Family
252505833                   NJ                  07828                Primary                  Single Family
252505926                   GA                  31788                Primary                  Single Family
252505944                   CA                  92553                Primary                  Single Family
252505947                   TX                  76240                Primary                  Single Family
252505948                   WA                  98596                Primary                  Single Family
252505949                   PA                  17225                Primary                  Single Family
252505955                   CA                  95340                Primary                  Single Family
252505965                   CA                  92264                Primary                  Single Family
252505978                   WA                  98008                Primary                  Single Family
252505986                   MD                  20735                Primary                  Single Family
252505991                   NY                  11507                Primary                  Single Family
252506001                   CA                  92840                Primary                  Single Family
252506011                   NE                  68361                Primary                  Single Family
252506020                   PA                  19150                Primary                  Single Family
252506124                   OH                  45304                Primary                  Single Family
252506173                   NY                  14845                Primary                  Single Family
252506180                   FL                  33771                Primary                  Single Family
252607132                   NY                  14103                Primary                  Single Family
252707582                   WI                  54521                Primary                  Single Family
252707782                   MO                  64090                Primary                  Single Family
252707984                   FL                  33020                Primary                  Townhouse
252708030                   OH                  44904                Primary                  Single Family
252708083                   CO                  80910                Primary                  Single Family
252708333                   GA                  30126                Primary                  Single Family
252708350                   CO                  80108                Primary                  Single Family
252708421                   PA                  19030                Primary                  Single Family
252708476                   OK                  73036                Primary                  Single Family
252708675                   PA                  15613                Primary                  Single Family
252708690                   LA                  70774                Primary                  Single Family
252708818                   MO                  65711                Primary                  Single Family
252708921                   MA                  02149                Primary                  Two-Four Family
252708927                   NJ                  07701                Primary                  Single Family
252708933                   NY                  11701                Primary                  Single Family
252708938                   FL                  33837                Primary                  Single Family
252709034                   TX                  77429                Primary                  Single Family
252709055                   MI                  48847                Primary                  Single Family
252709086                   VA                  23882                Primary                  Single Family
252709130                   TX                  75119                Primary                  Single Family
252709134                   TN                  38232                Primary                  Single Family
252709146                   CA                  94303                Primary                  Single Family
252709184                   TX                  76039                Primary                  Single Family
252709215                   WI                  54501                Primary                  Single Family
252709352                   FL                  33904                Primary                  Single Family
252709358                   TN                  37031                Primary                  Single Family
252808305                   SC                  29810                Investor                 Single Family
252808311                   VA                  24019                Primary                  Single Family
252808444                   TX                  78753                Primary                  Single Family
252808455                   IN                  46750                Primary                  Single Family
252808550                   VA                  22407                Primary                  Single Family
252808710                   FL                  33710                Primary                  Single Family
252808831                   IA                  50103                Primary                  Single Family
252808920                   TX                  75052                Primary                  Single Family
252808973                   VA                  24017                Primary                  Single Family
252808975                   FL                  32805                Primary                  Single Family
252808993                   FL                  33023                Primary                  Single Family
252808998                   IN                  47362                Primary                  Single Family
252809011                   TX                  78744                Primary                  Single Family
252809030                   TX                  78839                Primary                  Single Family
252809049                   VT                  05860                Primary                  Single Family
252809056                   FL                  33068                Primary                  Single Family
252809068                   FL                  32539                Primary                  Single Family
252809080                   TX                  78539                Primary                  Single Family
252809085                   FL                  32835                Primary                  Single Family
252809170                   NH                  03818                Primary                  Single Family
252809175                   IA                  52402                Primary                  Single Family
252809178                   NE                  68801                Primary                  Single Family
252809191                   SC                  29138                Primary                  Single Family
252809209                   VA                  23005                Primary                  Single Family
252809216                   OH                  45013                Primary                  Single Family
252809251                   IA                  50703                Primary                  Single Family
252809315                   MO                  65705                Primary                  Single Family
252809316                   PA                  19154                Primary                  Condominium
252809323                   MO                  65605                Investor                 Single Family
252809366                   MD                  21144                Primary                  Townhouse
252809451                   NY                  13166                Primary                  Single Family
253004528                   OH                  45638                Primary                  Single Family
253004530                   TX                  78963                Primary                  Single Family
253004689                   PA                  19153                Investor                 Single Family
253004723                   VA                  24541                Primary                  Single Family
253004757                   NC                  27502                Primary                  Single Family
253004911                   CA                  92587                Primary                  Single Family
253005024                   TX                  78405                Primary                  Single Family
253005093                   CA                  93706                Primary                  Single Family
253005113                   OR                  97404                Primary                  Single Family
253005171                   FL                  33615                Primary                  Single Family
253005176                   FL                  33897                Primary                  Manufactured Housing
253005198                   TX                  77088                Primary                  Single Family
253005261                   NV                  89015                Primary                  Single Family
253005289                   MA                  02169                Primary                  Single Family
253005338                   TX                  76180                Primary                  Single Family
253005379                   CA                  94603                Primary                  Single Family
253005409                   TX                  78405                Primary                  Single Family
253005434                   FL                  33544                Primary                  PUD
253005439                   TX                  78589                Primary                  Single Family
253005512                   CA                  93722                Primary                  Single Family
253005530                   FL                  33936                Primary                  Single Family
253005590                   WA                  98208                Primary                  Single Family
253005594                   CT                  06255                Primary                  Single Family
253005609                   CO                  80206                Primary                  Single Family
253005660                   TX                  76240                Primary                  Single Family
253005861                   MD                  21113                Primary                  Single Family
253006075                   FL                  33066                Primary                  Townhouse
253104391                   TX                  76542                Primary                  Single Family
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253203935                   FL                  34442                Primary                  Single Family
253203946                   VA                  24401                Primary                  Single Family
253204088                   OH                  45040                Primary                  Single Family
253204222                   NV                  89110                Primary                  Single Family
253204300                   AZ                  85929                Second Home              Single Family
253204309                   NV                  89436                Primary                  Single Family
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253204715                   NY                  14226                Primary                  Single Family
253204754                   CA                  96080                Primary                  Single Family
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253303578                   NH                  03229                Primary                  Single Family
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253303651                   RI                  02904                Primary                  Single Family
253303652                   RI                  02893                Primary                  Single Family
253303702                   MA                  01749                Primary                  Condominium
253303818                   RI                  02816                Primary                  Single Family
253303846                   RI                  02920                Primary                  Condominium
253303959                   RI                  02905                Primary                  Single Family
253304063                   NH                  03244                Primary                  Single Family
253304133                   RI                  02825                Primary                  Single Family
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253304269                   NH                  03036                Primary                  Single Family
253304320                   NY                  14226                Primary                  Single Family
253304423                   NY                  10306                Primary                  Single Family
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253402434                   PA                  18018                Primary                  Townhouse
253402476                   PA                  16901                Primary                  Single Family
253402667                   DE                  19701                Primary                  Single Family
253402773                   PA                  18042                Primary                  Townhouse
253402776                   PA                  17370                Primary                  Single Family
253402849                   MD                  20653                Primary                  Single Family
253402855                   MD                  20886                Primary                  PUD
253402864                   PA                  18042                Primary                  Single Family
253402898                   PA                  19063                Primary                  Single Family
253402905                   PA                  18951                Primary                  Single Family
253402918                   PA                  15557                Primary                  Single Family
253503284                   VA                  22125                Primary                  Townhouse
253503476                   VA                  22842                Primary                  PUD
253503546                   VA                  23452                Primary                  Townhouse
253503827                   VA                  22827                Primary                  Single Family
253504024                   VA                  22960                Primary                  Single Family
253504036                   VA                  22026                Primary                  PUD
253504206                   VA                  22810                Primary                  PUD
253504251                   VA                  22150                Primary                  Single Family
253603332                   TX                  78204                Primary                  Single Family
253603370                   TX                  78801                Investor                 Single Family
253603384                   TX                  78233                Primary                  Single Family
253603491                   TX                  78411                Primary                  Single Family
253603508                   TX                  78801                Primary                  Single Family
253603544                   TX                  78207                Primary                  Single Family
253603779                   TX                  78380                Primary                  Single Family
253603784                   TX                  78384                Primary                  Single Family
253603811                   TX                  78133                Primary                  PUD
253603841                   TX                  78114                Primary                  Single Family
253603863                   TX                  78154                Primary                  Single Family
253603871                   TX                  75561                Primary                  Single Family
253603898                   TX                  78028                Primary                  Single Family
253603922                   TX                  78250                Primary                  PUD
253603965                   TX                  78624                Primary                  Manufactured Housing
253603974                   TX                  78223                Primary                  Single Family
253604021                   TX                  78260                Primary                  Single Family
253604091                   TX                  78250                Primary                  Single Family
253604107                   TX                  78214                Primary                  Single Family
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253604151                   TX                  79924                Primary                  Single Family
253704663                   CA                  95138                Primary                  Condominium
253705301                   CA                  92129                Primary                  Single Family
253705354                   CA                  92268                Primary                  Single Family
253705381                   CA                  92804                Primary                  PUD
253705524                   CA                  93901                Primary                  Single Family
253705575                   CA                  95336                Primary                  Single Family
253705590                   CA                  92630                Primary                  Single Family
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253706128                   CA                  92688                Primary                  PUD
253706130                   CA                  92264                Primary                  Condominium
253706168                   CA                  92881                Primary                  PUD
253706176                   CA                  93637                Primary                  Single Family
253706254                   CA                  92880                Primary                  Single Family
253706508                   CA                  93306                Primary                  Single Family
253804826                   CA                  95843                Primary                  Single Family
253804859                   CA                  95136                Primary                  Single Family
253804930                   NV                  89445                Primary                  Single Family
253805045                   CA                  95123                Primary                  Single Family
253805091                   CA                  95148                Primary                  Single Family
253805098                   CA                  95815                Primary                  Single Family
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253805173                   CA                  95747                Primary                  Single Family
253805212                   AZ                  85539                Primary                  Single Family
253905227                   CA                  92392                Primary                  Single Family
253905726                   CA                  92555                Primary                  PUD
253906095                   CA                  91791                Primary                  Single Family
253906159                   CA                  92028                Primary                  Condominium
253906161                   CA                  92404                Primary                  Single Family
253906260                   CA                  91730                Primary                  Single Family
253906311                   CA                  90044                Primary                  Single Family
253906316                   CA                  91750                Primary                  Condominium
254006509                   MA                  01501                Primary                  Single Family
254006566                   NY                  11756                Primary                  Single Family
254006629                   MA                  01118                Primary                  Single Family
254006706                   NJ                  07304                Primary                  Two-Four Family
254006813                   NJ                  08036                Primary                  Single Family
254006816                   NJ                  08215                Primary                  Single Family
254006880                   NY                  11001                Primary                  Single Family
254007034                   NJ                  08051                Primary                  Manufactured Housing
254007036                   NY                  14569                Primary                  Single Family
254007056                   NY                  14569                Primary                  Single Family
254007107                   CT                  06460                Primary                  Single Family
254007126                   NY                  11743                Primary                  Single Family
254007145                   NY                  11727                Primary                  Single Family
254007182                   NJ                  07103                Primary                  Condominium
254007288                   NY                  11412                Primary                  Single Family
254007361                   NY                  11385                Primary                  Single Family
254104528                   NY                  11763                Primary                  Single Family
254106092                   NY                  10801                Primary                  Single Family
254106264                   NY                  11716                Primary                  Single Family
254106344                   NY                  14487                Primary                  Single Family
254106386                   NY                  11754                Primary                  Condominium
254106471                   MA                  02302                Primary                  Single Family
254106543                   NY                  13905                Primary                  Two-Four Family
254106553                   NY                  11767                Primary                  Single Family
254106747                   PA                  19061                Primary                  Single Family
254106759                   NY                  14304                Primary                  Single Family
254106783                   NY                  11725                Primary                  Single Family
254106795                   NY                  11757                Primary                  Single Family
254106817                   NY                  11561                Primary                  Two-Four Family
254106908                   NY                  11563                Primary                  Single Family
254106922                   NY                  11756                Primary                  Single Family
254107001                   NY                  11703                Primary                  Single Family
254107065                   NY                  11756                Primary                  Single Family
254107079                   NY                  13350                Primary                  Single Family
254107085                   NY                  11735                Primary                  Single Family
254205357                   MA                  02050                Primary                  Single Family
254205584                   MA                  02186                Primary                  Single Family
254205672                   MA                  01420                Primary                  Single Family
254205675                   MA                  02703                Primary                  Single Family
254205682                   MA                  02332                Primary                  Single Family
254205714                   MA                  02719                Primary                  Single Family
254205739                   NH                  03054                Primary                  Single Family
254205800                   MA                  02045                Primary                  Single Family
254205977                   MA                  02061                Primary                  Single Family
254507692                   CA                  95758                Primary                  Single Family
254507730                   CA                  93705                Primary                  Single Family
254507798                   CA                  93536                Primary                  Single Family
254508591                   CA                  93705                Primary                  Single Family
254508653                   CA                  92367                Primary                  Single Family
254508701                   CA                  95388                Primary                  Single Family
254508741                   CA                  93618                Primary                  Single Family
254508744                   CA                  93662                Primary                  Single Family
254508786                   CA                  93703                Primary                  Single Family
254508819                   CA                  93702                Primary                  Single Family
254508846                   CA                  93650                Primary                  Single Family
254508891                   CA                  95630                Primary                  Single Family
254508918                   CA                  93536                Primary                  Single Family
254508995                   NV                  89406                Primary                  Single Family
254509008                   CA                  93536                Primary                  Single Family
254509049                   CA                  93638                Primary                  Single Family
254509055                   CA                  93630                Primary                  Single Family
254509109                   CA                  93306                Primary                  Single Family
254509147                   CA                  93501                Primary                  Single Family
254509158                   CA                  93726                Primary                  Single Family
254509195                   NV                  89032                Primary                  Single Family
254509259                   CA                  93551                Primary                  Single Family
254509273                   CA                  93535                Primary                  Single Family
254509306                   CA                  93706                Investor                 Single Family
254607022                   CA                  92399                Primary                  Single Family
254607120                   CA                  93291                Primary                  Single Family
254607148                   CA                  92626                Primary                  Single Family
254607240                   CA                  92356                Primary                  Single Family
254607377                   CA                  92673                Primary                  PUD
254607394                   CA                  92374                Primary                  Single Family
254607409                   AZ                  85607                Primary                  Single Family
254607428                   CA                  92377                Primary                  Single Family
254607440                   CA                  92342                Primary                  PUD
254607565                   CA                  94531                Primary                  Single Family
254607591                   CA                  92553                Primary                  Single Family
254607636                   CA                  93277                Primary                  Single Family
254607651                   CA                  92114                Primary                  Single Family
254607690                   CA                  92336                Primary                  Single Family
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254706413                   CA                  93306                Primary                  Single Family
254706453                   CA                  93306                Primary                  Single Family
254706454                   CA                  93307                Primary                  Single Family
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254706570                   CA                  93312                Primary                  Single Family
254706585                   CA                  93314                Primary                  Single Family
254706601                   CA                  93306                Primary                  Single Family
254706621                   CA                  93274                Primary                  Single Family
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254706662                   CA                  93291                Primary                  Single Family
254706670                   CA                  93306                Primary                  Single Family
254706754                   CA                  93306                Primary                  Single Family
254706829                   CA                  93313                Primary                  Single Family
254808619                   TX                  77480                Primary                  Single Family
254809462                   TX                  77066                Primary                  PUD
254809668                   TX                  77026                Primary                  Single Family
254809798                   TX                  79703                Primary                  Single Family
254809813                   TX                  77088                Primary                  Single Family
254809819                   TX                  78934                Primary                  Single Family
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254809869                   TX                  77084                Primary                  Single Family
254809880                   TX                  77049                Primary                  Single Family
254809898                   TX                  77802                Primary                  Single Family
254809930                   TX                  77450                Primary                  Single Family
254809942                   TX                  77380                Primary                  PUD
254810033                   TX                  77091                Primary                  PUD
254810038                   TX                  77036                Primary                  Single Family
254810285                   TX                  77084                Primary                  Single Family
254908241                   TX                  78216                Primary                  Single Family
254909984                   TX                  76116                Primary                  Single Family
254910211                   TX                  76014                Primary                  Townhouse
254910429                   TX                  75052                Primary                  Single Family
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254910518                   TX                  76133                Primary                  Single Family
254910539                   TX                  76140                Primary                  Single Family
254910557                   TX                  77450                Primary                  PUD
254910573                   TX                  75052                Primary                  Single Family
254910639                   TX                  78654                Primary                  Single Family
254910655                   TX                  76020                Primary                  Single Family
254910665                   TX                  76107                Primary                  Single Family
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254911050                   TX                  75219                Primary                  Single Family
255001194                   TX                  79110                Primary                  Single Family
255001356                   TX                  79927                Primary                  Single Family
255001363                   TX                  75685                Primary                  Single Family
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255102719                   TX                  75570                Primary                  Single Family
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255302046                   TX                  75160                Primary                  Single Family
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255302284                   TX                  75189                Primary                  Single Family
255302300                   TX                  75217                Primary                  Single Family
255302601                   TX                  75069                Primary                  Single Family
255302749                   TX                  75211                Primary                  Single Family
255316280                   TX                  76013                Primary                  Single Family
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255319032                   TX                  76020                Primary                  Single Family
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255319185                   TX                  78227                Primary                  Single Family
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255319294                   TX                  75840                Primary                  Single Family
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255319319                   TX                  75840                Primary                  Single Family
255319328                   TX                  75125                Investor                 Single Family
255319351                   TX                  75835                Primary                  Single Family
255319380                   TX                  75161                Primary                  Single Family
255319402                   TX                  75455                Primary                  Single Family
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255401269                   TX                  76541                Investor                 Two-Four Family
255401511                   TX                  78934                Primary                  Single Family
255411430                   TX                  78957                Primary                  Single Family
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255413487                   TX                  78722                Investor                 Two-Four Family
255413576                   TX                  78654                Primary                  Single Family
255413646                   TX                  76549                Primary                  Single Family
255413649                   TX                  76522                Primary                  Single Family
255413717                   TX                  78745                Primary                  Single Family
255413747                   TX                  77089                Primary                  PUD
255413750                   TX                  79903                Primary                  Single Family
255413752                   TX                  76877                Primary                  Single Family
255413771                   TX                  77541                Primary                  Single Family
255413834                   TX                  78702                Primary                  Single Family
255501729                   TX                  78416                Primary                  Single Family
255501783                   TX                  78410                Primary                  Single Family
255501785                   TX                  78372                Primary                  Single Family
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255602269                   TX                  77074                Investor                 Single Family
255602299                   TX                  77020                Primary                  Single Family
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255615155                   TX                  77008                Primary                  Single Family
255615253                   TX                  78612                Primary                  Single Family
255615409                   TX                  78112                Primary                  Manufactured Housing
255615530                   TX                  77061                Primary                  Single Family
255615609                   TX                  77038                Primary                  Single Family
255615611                   TX                  77551                Primary                  Single Family
255615613                   TX                  77071                Primary                  PUD
255615691                   TX                  77568                Primary                  Single Family
255615694                   TX                  78881                Primary                  Single Family
255615698                   TX                  77562                Primary                  Single Family
255615731                   TX                  77583                Primary                  Single Family
255615747                   TX                  77584                Primary                  Single Family
255615754                   TX                  77520                Primary                  Single Family
255615760                   TX                  77590                Primary                  Single Family
255615770                   TX                  77009                Primary                  Single Family
255615779                   TX                  77531                Primary                  Single Family
255615803                   TX                  78247                Primary                  Single Family
255615812                   TX                  77051                Primary                  Single Family
255615816                   TX                  77550                Primary                  Single Family
255615855                   TX                  77550                Primary                  Single Family
255616068                   TX                  77302                Primary                  Single Family
255616075                   TX                  77571                Primary                  PUD
255616087                   TX                  77536                Primary                  PUD
255702407                   TX                  78210                Primary                  Single Family
255702452                   TX                  78220                Primary                  Single Family
255702537                   TX                  78041                Primary                  Single Family
255702611                   TX                  78202                Primary                  Single Family
255714800                   TX                  78253                Primary                  Single Family
255714807                   TX                  78155                Primary                  Single Family
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255715040                   TX                  78210                Investor                 Single Family
255715122                   TX                  78003                Primary                  Single Family
255715130                   TX                  78076                Primary                  Single Family
255715152                   TX                  78046                Primary                  Single Family
255715178                   TX                  78025                Primary                  Single Family
255715202                   TX                  78064                Primary                  Single Family
255715229                   TX                  78227                Primary                  Single Family
255715230                   TX                  79706                Primary                  Single Family
255715248                   TX                  78264                Primary                  Single Family
255715272                   TX                  78228                Primary                  Single Family
255715284                   TX                  78259                Primary                  PUD
255715292                   TX                  78045                Primary                  Single Family
255715337                   TX                  78010                Primary                  Single Family
255715477                   TX                  78041                Primary                  PUD
255800655                   TX                  77642                Primary                  Single Family
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255800724                   TX                  77372                Investor                 Single Family
255800728                   TX                  77520                Primary                  Single Family
255800943                   TX                  77372                Investor                 Single Family
255811958                   TX                  77514                Primary                  Single Family
255812457                   TX                  77014                Primary                  PUD
255812495                   TX                  77022                Primary                  Single Family
255812505                   TX                  77379                Investor                 PUD
255812979                   TX                  77371                Primary                  Single Family
255813030                   TX                  77338                Primary                  PUD
255813042                   TX                  77039                Primary                  Single Family
255813107                   TX                  78028                Primary                  Single Family
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255813161                   TX                  77551                Primary                  Single Family
255813184                   TX                  77378                Primary                  Single Family
255813223                   TX                  77371                Primary                  Single Family
255813249                   TX                  77480                Primary                  Single Family
255813261                   TX                  77339                Primary                  PUD
255813279                   TX                  77478                Primary                  Single Family
255813285                   TX                  77303                Primary                  Single Family
255813321                   TX                  77017                Primary                  Single Family
255813334                   TX                  77088                Primary                  Single Family
255813358                   TX                  77024                Primary                  Condominium
255813465                   TX                  77373                Primary                  PUD
255813476                   TX                  77379                Primary                  PUD
255813481                   TX                  77021                Primary                  Single Family
255813503                   TX                  77015                Primary                  PUD
255900826                   LA                  71107                Primary                  Single Family
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255901133                   LA                  71108                Primary                  Single Family
255901140                   AR                  71854                Primary                  Single Family
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255914341                   LA                  70070                Primary                  Manufactured Housing
255914441                   LA                  70737                Primary                  Single Family
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255914956                   LA                  71078                Primary                  Manufactured Housing
255915082                   LA                  71107                Primary                  Single Family
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256212045                   LA                  71446                Primary                  Single Family
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256412760                   OH                  43224                Primary                  Single Family
256412987                   OH                  44310                Primary                  Single Family
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256413045                   OH                  45840                Primary                  Single Family
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256413511                   OH                  43701                Primary                  Single Family
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256413707                   OH                  44720                Primary                  Single Family
256413723                   MI                  49423                Primary                  Single Family
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256609177                   PA                  19063                Primary                  Townhouse
256609188                   PA                  17201                Primary                  Single Family
256609300                   PA                  17316                Primary                  PUD
256609369                   PA                  17313                Primary                  Single Family
256708543                   CA                  95423                Primary                  Manufactured Housing
256708572                   CA                  93722                Primary                  Single Family
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256709144                   CA                  92563                Primary                  PUD
256709199                   CA                  93223                Primary                  Single Family
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256907713                   NY                  12074                Second Home              Single Family
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257008470                   MA                  01085                Primary                  Condominium
257008647                   MA                  01867                Primary                  Single Family
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257109907                   NJ                  08028                Investor                 Single Family
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257207718                   NJ                  07748                Primary                  Single Family
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257405727                   TX                  77479                Primary                  PUD
257405737                   TX                  77020                Investor                 Single Family
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257405778                   TX                  77449                Primary                  PUD
257405802                   TX                  77071                Primary                  Townhouse
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257405847                   TX                  77089                Primary                  PUD
257405853                   TX                  77901                Primary                  Single Family
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257405931                   TX                  77346                Primary                  PUD
257506048                   TX                  76470                Primary                  Single Family
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257506650                   TX                  76450                Primary                  Single Family
257506662                   TX                  76665                Investor                 Single Family
257506686                   TX                  77859                Primary                  Single Family
257506743                   TX                  76247                Primary                  PUD
257506831                   TX                  77095                Primary                  Single Family
257506852                   TX                  76180                Primary                  Single Family
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257506964                   TX                  76240                Primary                  PUD
257507000                   TX                  76110                Primary                  Single Family
257507023                   TX                  76112                Primary                  Single Family
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257507102                   TX                  76450                Primary                  Single Family
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257507129                   TX                  76031                Primary                  Manufactured Housing
257507154                   TX                  76255                Primary                  Single Family
257507169                   TX                  77459                Primary                  PUD
257507495                   TX                  75217                Primary                  Single Family
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257606745                   MI                  48224                Primary                  Single Family
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257703004                   CA                  94608                Primary                  Condominium
257703021                   CA                  95252                Primary                  Single Family
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257703373                   CA                  95330                Primary                  Single Family
257703428                   CA                  95632                Primary                  Single Family
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257804376                   CA                  91913                Primary                  PUD
257804498                   AZ                  85053                Primary                  Single Family
257804577                   CA                  91906                Primary                  Manufactured Housing
257804597                   CA                  92056                Primary                  Single Family
257804663                   CA                  92021                Primary                  Condominium
257804693                   CA                  92115                Primary                  Single Family
257804739                   CA                  96007                Primary                  Manufactured Housing
257804800                   CA                  93257                Primary                  Single Family
257804877                   CA                  92262                Primary                  Single Family
257804886                   AZ                  85641                Primary                  Manufactured Housing
257804912                   CA                  92029                Primary                  Manufactured Housing
257804916                   CA                  92117                Primary                  Condominium
257804931                   CA                  91706                Primary                  Condominium
257804986                   NV                  89015                Primary                  Single Family
257805007                   CA                  93240                Primary                  Single Family
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257805081                   CA                  92399                Primary                  Single Family
257805098                   NV                  89429                Primary                  Manufactured Housing
257805126                   CA                  95932                Primary                  Single Family
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257805161                   CA                  91764                Primary                  Condominium
257805282                   CA                  92544                Primary                  Single Family
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257903924                   CT                  06787                Primary                  Single Family
257903993                   CT                  06831                Primary                  Condominium
257904015                   CT                  06751                Primary                  Single Family
258000175                   NV                  89502                Primary                  PUD
258000199                   MN                  55318                Primary                  Condominium
258000208                   MN                  55430                Primary                  PUD
258000212                   VA                  23321                Primary                  Single Family
258000214                   GA                  30062                Primary                  Single Family
258000219                   GA                  30062                Primary                  Single Family
258000225                   IL                  60156                Primary                  Condominium
258000227                   FL                  34983                Primary                  Single Family
258000243                   MN                  55122                Primary                  Single Family
258100378                   IN                  47630                Primary                  Single Family
258100389                   MO                  65401                Primary                  Single Family
258100563                   TX                  77703                Primary                  Single Family
258113822                   TX                  75766                Primary                  Single Family
258114653                   VT                  05159                Primary                  Single Family
258200365                   MI                  48122                Primary                  Single Family
258200574                   TX                  79744                Primary                  Single Family
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258215246                   WV                  25401                Primary                  Single Family
258215331                   OH                  44240                Primary                  Single Family
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258215531                   TX                  78596                Primary                  Single Family
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258215602                   ME                  04364                Primary                  Single Family
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258215765                   DE                  19720                Primary                  Single Family
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258303218                   CA                  93280                Primary                  Single Family
258304239                   FL                  33711                Primary                  Single Family
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258305361                   NJ                  07853                Primary                  Single Family
258305387                   NY                  11203                Primary                  Single Family
258305404                   NV                  89706                Primary                  Manufactured Housing
258305407                   FL                  33020                Primary                  Single Family
258305434                   NV                  89408                Primary                  Single Family
258305460                   AZ                  85648                Primary                  Single Family
258305524                   CA                  93065                Primary                  Condominium
258305596                   CA                  93063                Primary                  Single Family
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258415854                   NJ                  08104                Second Home              Single Family
258415863                   TX                  77619                Investor                 Single Family
258415935                   TX                  79424                Primary                  Single Family
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258416194                   NJ                  08742                Primary                  Single Family
258416204                   TX                  79411                Primary                  Single Family
258416225                   TX                  75601                Primary                  Single Family
258416237                   MI                  48614                Primary                  Single Family
258416263                   NJ                  08758                Primary                  Single Family
258416339                   TX                  79101                Primary                  Single Family
258416342                   TX                  78574                Primary                  Single Family
258416361                   NJ                  08554                Primary                  Single Family
258416490                   PA                  15545                Primary                  Single Family
258416525                   TX                  75497                Primary                  Single Family
258416535                   TX                  79423                Primary                  Single Family
258416536                   MD                  21613                Primary                  Single Family
258416551                   TX                  78596                Investor                 Single Family
258416558                   TX                  79412                Primary                  Single Family
258416692                   MD                  21401                Primary                  Single Family
258416728                   TX                  79336                Primary                  Single Family
258416742                   MI                  48661                Primary                  Single Family
258416746                   VT                  05906                Primary                  Single Family
258416789                   PA                  18417                Primary                  Single Family
258416796                   GA                  30083                Primary                  Single Family
258416816                   NJ                  08757                Primary                  Single Family
258416897                   ME                  04240                Primary                  Single Family
258416950                   MI                  48625                Primary                  Single Family
258416952                   MD                  20685                Primary                  Single Family
258416973                   TX                  75640                Primary                  Single Family
258417033                   TX                  75672                Primary                  Single Family
258417039                   NJ                  08902                Primary                  Condominium
258417160                   FL                  34473                Primary                  Single Family
258500923                   NY                  14456                Primary                  Single Family
258501098                   AR                  72088                Investor                 Single Family
258501145                   MI                  49548                Primary                  Single Family
258501284                   GA                  31709                Primary                  Single Family
258501457                   IL                  61912                Primary                  Single Family
258517250                   GA                  31088                Primary                  Single Family
258517266                   NY                  14739                Primary                  Single Family
258517358                   CA                  90755                Investor                 Condominium
258517363                   CA                  91103                Primary                  Single Family
258517523                   GA                  30058                Primary                  Single Family
258517538                   CA                  93635                Primary                  Single Family
258517555                   MD                  21136                Primary                  Townhouse
258517568                   IL                  60647                Primary                  Two-Four Family
258517600                   FL                  32766                Primary                  Single Family
258517635                   DE                  19701                Primary                  PUD
258517668                   NY                  10312                Investor                 Single Family
258517681                   MA                  01020                Investor                 Single Family
258517693                   PA                  15045                Primary                  Single Family
258517727                   VA                  23112                Primary                  Single Family
258517748                   FL                  32226                Primary                  Single Family
258517888                   GA                  30224                Primary                  Single Family
258609029                   TX                  78332                Investor                 Single Family
258609034                   FL                  32064                Primary                  Single Family
258609060                   NJ                  08854                Primary                  Single Family
258609330                   PA                  19131                Investor                 Single Family
258609443                   NJ                  08080                Primary                  Single Family
258609502                   FL                  33021                Primary                  Single Family
258609514                   NJ                  08722                Primary                  Single Family
258609530                   NJ                  07821                Primary                  Single Family
258609551                   MI                  48601                Investor                 Single Family
258609559                   PA                  19026                Primary                  Single Family
258609570                   NJ                  08090                Primary                  Single Family
258609595                   PA                  18328                Primary                  Single Family
258609596                   DE                  19804                Primary                  Single Family
258609600                   NJ                  08012                Primary                  Condominium
258609604                   NJ                  08046                Primary                  Single Family
258609625                   DE                  19805                Primary                  Single Family
258609661                   PA                  19440                Primary                  Single Family
258609696                   NJ                  08332                Primary                  Single Family
258609726                   NJ                  08054                Primary                  Condominium
258609765                   NJ                  08050                Investor                 Single Family
258609784                   NJ                  08322                Primary                  Single Family
258609833                   NJ                  08731                Primary                  Single Family
258609907                   PA                  19050                Primary                  Single Family
258710619                   MD                  21901                Primary                  Single Family
258710976                   MD                  20659                Primary                  Single Family
258711010                   CA                  92551                Primary                  Single Family
258711030                   AZ                  85381                Primary                  Single Family
258800906                   LA                  71270                Primary                  Single Family
258815332                   NM                  87511                Primary                  Single Family
258815480                   NY                  14738                Primary                  Single Family
258815684                   PA                  19148                Primary                  Single Family
258815924                   CA                  95829                Second Home              Single Family
258816025                   NE                  68949                Primary                  Single Family
258816131                   OH                  43302                Primary                  Single Family
258816132                   CA                  91710                Primary                  Single Family
258816157                   TX                  76255                Primary                  Single Family
258816261                   TX                  76093                Primary                  Single Family
258816274                   TX                  77071                Primary                  Single Family
258816358                   WV                  24740                Primary                  Single Family
258816415                   CA                  93901                Primary                  Single Family
258816446                   VA                  23502                Primary                  Single Family
258816468                   WI                  53209                Primary                  Single Family
258816473                   AZ                  85747                Primary                  Single Family
258816479                   NJ                  08203                Primary                  Single Family
258816480                   FL                  32907                Primary                  Single Family
258816510                   CT                  06460                Primary                  Condominium
258816549                   CA                  92374                Primary                  Single Family
258816564                   WA                  98011                Primary                  Single Family
258816586                   FL                  33850                Primary                  Single Family
258816612                   FL                  32137                Primary                  Single Family
258816742                   AZ                  85710                Primary                  Single Family
258900157                   TX                  78745                Primary                  Single Family
258913648                   NC                  28360                Primary                  Single Family
258913975                   OK                  73071                Primary                  Single Family
258914663                   VA                  24201                Primary                  Single Family
258914721                   TX                  78577                Primary                  Single Family
258914763                   PA                  18252                Primary                  Single Family
258914785                   NY                  10469                Investor                 Single Family
258914846                   AZ                  85364                Primary                  Single Family
258914932                   CA                  95765                Primary                  Condominium
258914941                   TX                  75602                Primary                  Single Family
258914975                   TX                  78415                Primary                  Single Family
258914990                   FL                  32725                Primary                  Single Family
258915062                   VA                  23027                Primary                  Single Family
258915070                   FL                  33610                Primary                  Single Family
258915089                   OH                  44890                Primary                  Single Family
258915143                   PA                  18210                Primary                  Single Family
258915146                   CA                  91402                Primary                  Condominium
258915160                   FL                  32507                Primary                  Single Family
258915191                   MO                  63136                Primary                  Single Family
258915205                   CO                  80227                Primary                  Single Family
258915243                   FL                  34953                Primary                  Single Family
258915244                   MD                  20747                Primary                  Single Family
258915286                   FL                  32526                Primary                  Single Family
259006548                   TN                  37754                Primary                  Single Family
259007489                   NC                  24616                Primary                  Single Family
259007838                   GA                  30102                Primary                  Single Family
259007845                   TN                  37064                Primary                  Single Family
259007857                   MI                  48386                Primary                  Single Family
259007863                   NC                  28105                Primary                  Single Family
259007873                   SC                  29464                Primary                  Single Family
259007884                   FL                  33615                Primary                  Single Family
259007895                   SD                  57701                Primary                  Single Family
259007896                   MI                  49544                Primary                  Single Family
259007904                   NV                  89123                Primary                  Single Family
259007914                   CA                  93901                Primary                  Single Family
259007919                   WI                  53188                Primary                  Single Family
259007946                   MI                  49525                Primary                  Single Family
259007966                   FL                  32065                Primary                  Single Family
259007972                   CA                  95366                Primary                  Single Family
259007978                   MI                  49249                Primary                  Single Family
259007983                   NJ                  08886                Primary                  Single Family
259007988                   MO                  63074                Primary                  Single Family
259007992                   NJ                  07751                Primary                  Single Family
259008003                   WI                  53227                Primary                  Single Family
259008020                   AZ                  85029                Primary                  Single Family
259008025                   PA                  19090                Primary                  Single Family
259008031                   AZ                  85024                Primary                  Single Family
259008034                   AZ                  85303                Primary                  Single Family
259008036                   MD                  21085                Primary                  Single Family
259008041                   CA                  94826                Primary                  Single Family
259008064                   CA                  94124                Primary                  Single Family
259008067                   NJ                  08205                Primary                  Single Family
259008077                   NJ                  08204                Primary                  Single Family
259008080                   WA                  98026                Primary                  Single Family
259008098                   AZ                  85307                Primary                  Single Family
259008101                   FL                  33810                Primary                  PUD
259008122                   MO                  64024                Primary                  Single Family
259008127                   MI                  48146                Primary                  Single Family
259008140                   MI                  48116                Primary                  Single Family
259008143                   NM                  87580                Primary                  Single Family
259008144                   MI                  48044                Primary                  Single Family
259008165                   FL                  33062                Primary                  Single Family
259008188                   NC                  28112                Primary                  Single Family
259008190                   MN                  55371                Primary                  Single Family
259008192                   OK                  73003                Primary                  Single Family
259008195                   IN                  47126                Primary                  Single Family
259008196                   FL                  32738                Primary                  Single Family
259008200                   MI                  48239                Primary                  Single Family
259008207                   AZ                  85335                Primary                  Single Family
259008245                   FL                  32808                Primary                  Single Family
259008247                   IA                  50220                Primary                  Single Family
259008264                   MI                  48065                Primary                  Single Family
259008266                   MI                  48098                Primary                  Single Family
259008285                   KS                  67801                Primary                  Single Family
259008286                   CA                  93505                Primary                  Single Family
259008300                   NJ                  07083                Primary                  Single Family
259008302                   PA                  17104                Primary                  Single Family
259008303                   WI                  53172                Primary                  Condominium
259008310                   NJ                  07626                Primary                  Single Family
259008316                   NJ                  07652                Primary                  Single Family
259008326                   NY                  11580                Primary                  Single Family
259008328                   PA                  16701                Primary                  Single Family
259008355                   MI                  48375                Primary                  Single Family
259008361                   UT                  84062                Primary                  Single Family
259008372                   OR                  97027                Primary                  Single Family
259008374                   WY                  83001                Primary                  Single Family
259008388                   OR                  97051                Primary                  Single Family
259008400                   PA                  15210                Primary                  Single Family
259008402                   WA                  98332                Primary                  Single Family
259008413                   GA                  30066                Primary                  Single Family
259008415                   WI                  53149                Primary                  Single Family
259105881                   IN                  46038                Primary                  Single Family
259106090                   TN                  38127                Primary                  Single Family
259106127                   VA                  23181                Primary                  Single Family
259106379                   VA                  23181                Primary                  Single Family
259106404                   TX                  79821                Investor                 Single Family
259106423                   PA                  15061                Primary                  Single Family
259106451                   OH                  43311                Investor                 Single Family
259106480                   PA                  15061                Primary                  Single Family
259106499                   MS                  39206                Primary                  Single Family
259106502                   WI                  53137                Primary                  Single Family
259106520                   OH                  45427                Primary                  Single Family
259106527                   ND                  58261                Primary                  Single Family
259106534                   NH                  03570                Primary                  Single Family
259106538                   TX                  75081                Primary                  Single Family
259106562                   GA                  30012                Primary                  Single Family
259106566                   OH                  43612                Primary                  Single Family
259106569                   TX                  76051                Primary                  Single Family
259106570                   OH                  45205                Investor                 Single Family
259106582                   NC                  27410                Investor                 Single Family
259106589                   NC                  28173                Primary                  Single Family
259106608                   OH                  43050                Primary                  Single Family
259106611                   NC                  27502                Primary                  Single Family
259106617                   TX                  75081                Primary                  Single Family
259106618                   OH                  43764                Primary                  Single Family
259106622                   MS                  39206                Primary                  Single Family
259106634                   IN                  46234                Primary                  Single Family
259106645                   NH                  03570                Primary                  Single Family
259106649                   AZ                  85017                Primary                  Single Family
259106666                   TX                  76033                Primary                  Single Family
259106671                   OH                  45416                Primary                  Single Family
259106676                   TN                  37209                Primary                  Single Family
259106689                   TX                  75686                Investor                 Single Family
259106691                   FL                  34652                Primary                  Single Family
259106702                   OK                  74020                Primary                  Single Family
259106704                   TX                  79407                Primary                  Single Family
259106705                   FL                  34652                Primary                  Single Family
259106707                   TX                  77085                Primary                  Single Family
259106712                   WI                  54481                Primary                  Single Family
259106719                   TN                  37059                Primary                  Single Family
259106721                   VA                  23234                Primary                  Single Family
259106725                   OH                  45040                Primary                  Single Family
259106730                   OH                  43318                Primary                  Single Family
259106733                   WI                  53913                Investor                 Single Family
259106743                   MI                  48529                Investor                 Single Family
259106745                   TN                  37214                Primary                  Single Family
259106747                   OK                  74020                Primary                  Single Family
259106760                   OH                  45371                Primary                  Single Family
259106771                   TN                  37918                Primary                  Single Family
259106773                   TX                  77536                Primary                  Single Family
259106781                   TX                  75229                Primary                  Single Family
259106783                   TX                  76065                Primary                  Single Family
259106791                   NC                  27247                Primary                  Single Family
259106801                   MO                  63129                Primary                  Single Family
259106804                   WA                  98547                Primary                  Single Family
259106815                   GA                  31206                Primary                  Single Family
259106817                   MI                  48458                Primary                  Single Family
259106819                   VA                  23234                Primary                  Single Family
259106838                   KS                  67730                Primary                  Manufactured Housing
259106839                   GA                  30349                Primary                  PUD
259106843                   FL                  32503                Investor                 Single Family
259106857                   TN                  37138                Primary                  Single Family
259106871                   OH                  45416                Primary                  Single Family
259106878                   GA                  30349                Primary                  PUD
259106882                   TN                  38134                Primary                  Single Family
259106906                   NC                  27284                Primary                  Single Family
259106907                   OH                  43358                Primary                  Single Family
259106913                   AZ                  85623                Primary                  Single Family
259106914                   AZ                  85623                Primary                  Single Family
259106925                   FL                  34743                Primary                  Single Family
259106933                   TN                  37840                Primary                  Single Family
259106942                   TN                  37771                Primary                  Single Family
259106945                   VA                  24649                Primary                  Single Family
259106951                   KY                  40422                Primary                  Single Family
259106954                   FL                  32208                Primary                  Single Family
259106958                   MO                  65648                Primary                  Single Family
259106963                   AR                  72921                Primary                  Single Family
259106965                   TN                  37411                Primary                  Single Family
259106971                   MI                  48458                Primary                  Single Family
259106991                   OH                  45130                Primary                  Manufactured Housing
259107002                   OH                  43977                Primary                  Single Family
259107015                   NC                  27284                Primary                  Single Family
259107018                   AR                  71959                Primary                  Single Family
259107037                   NY                  13624                Primary                  Manufactured Housing
259107041                   OK                  73703                Primary                  Single Family
259107048                   WI                  54002                Primary                  Single Family
259107049                   WI                  54002                Primary                  Single Family
259107052                   GA                  30248                Primary                  Manufactured Housing
259107054                   TN                  37130                Primary                  Single Family
259107055                   MO                  64132                Primary                  Single Family
259107056                   UT                  84663                Primary                  Single Family
259107058                   TN                  37130                Primary                  Single Family
259107065                   KY                  41011                Primary                  Single Family
259107066                   TN                  37416                Primary                  Single Family
259107067                   CO                  81242                Primary                  Single Family
259107077                   TX                  77539                Primary                  Single Family
259107080                   MI                  48237                Primary                  Single Family
259107107                   PA                  18707                Investor                 Single Family
259107117                   AR                  72034                Investor                 Single Family
259107119                   LA                  70531                Investor                 Single Family
259107123                   GA                  30731                Primary                  Single Family
259107127                   NY                  13624                Primary                  Manufactured Housing
259107128                   IA                  52804                Investor                 Single Family
259107133                   AR                  72776                Primary                  Manufactured Housing
259107135                   NC                  28560                Primary                  Single Family
259107143                   LA                  70526                Primary                  Single Family
259107148                   GA                  30741                Primary                  Single Family
259107154                   IA                  52231                Primary                  Single Family
259107168                   TX                  76082                Investor                 Single Family
259107170                   TX                  78745                Investor                 Single Family
259107172                   TX                  75409                Primary                  Single Family
259107181                   OH                  44310                Primary                  Single Family
259107188                   NC                  28546                Primary                  Single Family
259107201                   NY                  14423                Primary                  Single Family
259107211                   PA                  16125                Primary                  Manufactured Housing
259107220                   MS                  39350                Primary                  Single Family
259107224                   MO                  63640                Investor                 Single Family
259107228                   OK                  74127                Primary                  Single Family
259107229                   OK                  74127                Primary                  Single Family
259107236                   FL                  32209                Primary                  Single Family
259107240                   TX                  76634                Primary                  Single Family
259107244                   TX                  75707                Primary                  Single Family
259107254                   WI                  54520                Primary                  Single Family
259107260                   TN                  38340                Primary                  Single Family
259107270                   GA                  30088                Primary                  Single Family
259107274                   TX                  76634                Primary                  Single Family
259107277                   TN                  38340                Primary                  Single Family
259107286                   GA                  30088                Primary                  Single Family
259107297                   TN                  37110                Primary                  Single Family
259107298                   TX                  76020                Primary                  Single Family
259107299                   TX                  78648                Primary                  Single Family
259107307                   NY                  14505                Primary                  Single Family
259107311                   OH                  43945                Primary                  Single Family
259107315                   MI                  49202                Primary                  Single Family
259107316                   KS                  67501                Primary                  Single Family
259107323                   IN                  47403                Primary                  Single Family
259107325                   NY                  14423                Primary                  Single Family
259107326                   TX                  76137                Primary                  Single Family
259107329                   MS                  38654                Primary                  Single Family
259107337                   NE                  68157                Investor                 Single Family
259107350                   WA                  99169                Primary                  Single Family
259107367                   MI                  49202                Primary                  Single Family
259107369                   TX                  76137                Primary                  Single Family
259107371                   OH                  45640                Primary                  Single Family
259107377                   IN                  46044                Primary                  Single Family
259107381                   TX                  76020                Primary                  Single Family
259107389                   OH                  43945                Primary                  Single Family
259107401                   AZ                  85541                Primary                  Single Family
259107422                   NC                  28150                Primary                  Single Family
259107426                   KS                  67209                Primary                  Single Family
259107429                   NC                  27105                Primary                  Single Family
259107456                   LA                  70535                Primary                  Single Family
259107493                   OH                  43311                Primary                  Single Family
259107499                   MO                  63775                Primary                  Single Family
259107517                   MN                  56732                Primary                  Two-Four Family
259107527                   UT                  84118                Primary                  Single Family
259107529                   MI                  48227                Primary                  Single Family
259107551                   TN                  37091                Primary                  Single Family
259107555                   MO                  64801                Primary                  Single Family
259107559                   TN                  37748                Primary                  Single Family
259107570                   IN                  46534                Primary                  Single Family
259107583                   MO                  64804                Primary                  Single Family
259107614                   TX                  78228                Primary                  Single Family
259107615                   MS                  38930                Primary                  Single Family
259107616                   MN                  56007                Primary                  Single Family
259107680                   GA                  30552                Primary                  Single Family
259107683                   PA                  15136                Primary                  Single Family
259107757                   TN                  37914                Primary                  Single Family
259212447                   TX                  76442                Primary                  Manufactured Housing
259212448                   NY                  10314                Primary                  Single Family
259212825                   GA                  30043                Primary                  Single Family
259212936                   TX                  79331                Investor                 Single Family
259213040                   VA                  23235                Primary                  Single Family
259213076                   CA                  91351                Primary                  PUD
259213117                   TX                  78526                Primary                  Single Family
259213304                   NJ                  07036                Primary                  Single Family
259213314                   NY                  11423                Primary                  Single Family
259213391                   MD                  20874                Primary                  Condominium
259213430                   IN                  47933                Primary                  Single Family
259213515                   MD                  21054                Primary                  Single Family
259213520                   TN                  37708                Primary                  Single Family
259213557                   NV                  89141                Primary                  PUD
259213633                   TX                  75211                Primary                  Single Family
259213635                   LA                  71291                Primary                  Single Family
259213637                   MD                  21237                Primary                  Single Family
259213667                   AR                  72762                Primary                  Single Family
259213722                   AR                  72335                Primary                  Single Family
259213749                   FL                  32817                Primary                  Single Family
259213792                   LA                  70364                Investor                 Single Family
259213833                   LA                  70815                Primary                  Single Family
259213847                   LA                  70121                Primary                  Condominium
259213849                   MA                  01950                Primary                  Single Family
259214007                   AZ                  85635                Primary                  Single Family
259214018                   MD                  20748                Investor                 Single Family
259408543                   IN                  47840                Primary                  Single Family
259408651                   WA                  98682                Primary                  Single Family
259408657                   IA                  50438                Primary                  Single Family
259408664                   GA                  30094                Second Home              Single Family
259408804                   NH                  03263                Primary                  Single Family
259408819                   NH                  03263                Investor                 Single Family
259408872                   NJ                  08322                Primary                  Single Family
259408876                   GA                  30559                Primary                  Single Family
259408892                   MI                  49505                Primary                  Single Family
259408902                   PA                  18601                Primary                  Manufactured Housing
259408906                   NY                  12303                Primary                  Single Family
259408972                   NC                  28115                Primary                  Manufactured Housing
259409012                   IA                  50310                Primary                  Single Family
259409074                   FL                  32835                Primary                  Single Family
259409122                   MI                  48601                Primary                  Single Family
259409135                   TX                  78852                Primary                  Single Family
259409155                   NH                  03833                Primary                  Single Family
259409170                   CT                  06010                Primary                  Single Family
259409227                   VA                  23805                Primary                  Single Family
259409249                   CA                  95361                Primary                  Single Family
259409289                   NJ                  07666                Primary                  Single Family
259409340                   TX                  75149                Primary                  Single Family
259409362                   PA                  15211                Primary                  Single Family
259409376                   VA                  23236                Primary                  Single Family
259409386                   AR                  72653                Primary                  Single Family
259409437                   AZ                  85350                Primary                  Single Family
259409445                   FL                  33542                Primary                  Single Family
259409459                   FL                  34449                Primary                  Single Family
259409554                   MO                  64735                Primary                  Single Family
259409613                   AZ                  85210                Primary                  Single Family
259500098                   TX                  78584                Primary                  Single Family
259500110                   KY                  41774                Primary                  Single Family
259500122                   OR                  97405                Investor                 Single Family
259500145                   NJ                  08844                Primary                  Condominium
259500161                   NY                  14072                Primary                  Single Family
259500220                   ME                  04346                Primary                  Single Family
259500259                   OK                  74133                Primary                  Single Family
259609675                   IN                  47670                Investor                 Single Family
259609981                   KY                  41015                Primary                  Single Family
259610046                   NC                  28411                Primary                  Single Family
259610152                   VA                  24401                Primary                  Single Family
259610191                   TX                  78253                Primary                  Single Family
259610227                   IN                  46408                Primary                  Single Family
259610330                   RI                  02910                Primary                  Single Family
259610473                   PA                  19130                Primary                  Single Family
259610505                   NY                  11413                Primary                  Single Family
259610514                   CA                  95350                Primary                  Single Family
259610537                   NJ                  08865                Primary                  Single Family
259610586                   NJ                  07063                Primary                  Single Family
259610631                   CA                  91335                Primary                  Single Family
259610719                   NJ                  08611                Primary                  Single Family
259700061                   VA                  23606                Primary                  Single Family
259700066                   AZ                  85212                Primary                  Single Family
259700067                   KY                  41017                Primary                  Single Family
259700071                   VA                  24333                Primary                  Single Family
259700073                   MI                  49015                Primary                  Single Family
259700076                   IL                  60901                Primary                  Single Family
259700084                   KS                  66104                Primary                  Single Family
259700086                   CA                  93291                Primary                  Single Family
259700090                   GA                  30660                Primary                  Single Family
259700092                   AZ                  86429                Primary                  Single Family
259700093                   KS                  67448                Primary                  Single Family
259700094                   FL                  32539                Primary                  Single Family
259700096                   IL                  60425                Primary                  Single Family
259700098                   NJ                  07083                Primary                  Single Family
259900386                   MI                  48750                Primary                  Single Family
259900814                   UT                  84054                Primary                  Single Family
259917041                   NJ                  08055                Primary                  Single Family
259917530                   FL                  33189                Primary                  Single Family
259917534                   MA                  02718                Primary                  Condominium
259917556                   CA                  92505                Primary                  Single Family
259917562                   CA                  90805                Primary                  Single Family
259917602                   AZ                  85024                Primary                  Single Family
259917604                   FL                  33024                Primary                  Single Family
259917617                   AR                  71639                Primary                  Single Family
259917620                   GA                  30030                Primary                  Single Family
259917626                   CA                  91740                Primary                  Single Family
259917628                   MD                  21122                Primary                  Single Family
259917629                   CA                  96019                Primary                  Single Family
259917632                   GA                  30101                Primary                  Single Family
259917634                   KS                  67217                Primary                  Single Family
259917635                   MI                  49504                Primary                  Single Family
259917640                   PA                  19015                Primary                  Single Family
259917649                   CA                  92277                Primary                  Single Family
259917664                   FL                  32829                Primary                  PUD
259917668                   CA                  92392                Primary                  Single Family
259917680                   MI                  49120                Primary                  Single Family
259917693                   GA                  30507                Primary                  Single Family
259917696                   CA                  92345                Primary                  Single Family
259917712                   CA                  94589                Primary                  Single Family
259917720                   FL                  33063                Primary                  PUD
259917723                   FL                  33015                Primary                  PUD
259917728                   FL                  33444                Primary                  Single Family
259917734                   FL                  33321                Primary                  PUD
259917738                   FL                  33036                Primary                  Condominium
259917739                   FL                  34952                Primary                  Single Family
259917741                   GA                  30134                Primary                  Single Family
259917744                   FL                  33142                Primary                  Single Family
259917751                   NJ                  08234                Primary                  Single Family
259917784                   KY                  40214                Primary                  Single Family
259917787                   NY                  12182                Primary                  Single Family
259917798                   NM                  87035                Primary                  Single Family
259917802                   FL                  33165                Primary                  Single Family
259917809                   FL                  33435                Primary                  Single Family
259917824                   FL                  32563                Primary                  Single Family
259917826                   FL                  33467                Primary                  Single Family
259917832                   FL                  32784                Primary                  Single Family
259917844                   FL                  32807                Primary                  Single Family
259917847                   GA                  30519                Primary                  Single Family
259917857                   PA                  19401                Primary                  Single Family
259917868                   PA                  18104                Primary                  Single Family
259917874                   TN                  38107                Primary                  Single Family
259917881                   GA                  30288                Primary                  Single Family
259917883                   OH                  45801                Primary                  Single Family
259917887                   WI                  54729                Primary                  Single Family
259917888                   VA                  22602                Primary                  Single Family
259917889                   PA                  15656                Primary                  Single Family
259917893                   FL                  32114                Primary                  Single Family
259917894                   VA                  22554                Primary                  Single Family
259917896                   ND                  58104                Primary                  Single Family
259917901                   FL                  32563                Primary                  Single Family
259917915                   FL                  33463                Primary                  Single Family
259917933                   NJ                  07104                Primary                  Single Family
259917953                   NY                  10017                Primary                  Condominium
259917962                   AZ                  85013                Primary                  Single Family
259917966                   FL                  32034                Primary                  Single Family
259917974                   NC                  27407                Primary                  Single Family
259917981                   FL                  32003                Primary                  Single Family
259918007                   MD                  21014                Primary                  Single Family
259918019                   IN                  47172                Primary                  Single Family
259918024                   MO                  64024                Primary                  Single Family
259918058                   OH                  45231                Primary                  Single Family
259918069                   OH                  45069                Primary                  Single Family
281200190                   AZ                  85222                Primary                  PUD
281200237                   AZ                  85222                Primary                  PUD
281200238                   FL                  32164                Primary                  Single Family
281200257                   FL                  34951                Primary                  Single Family
281200277                   FL                  33913                Primary                  PUD
281200289                   NM                  88101                Primary                  Single Family
281200292                   AZ                  85224                Primary                  Single Family
281200308                   OH                  45356                Primary                  Single Family
281200319                   FL                  32177                Primary                  Single Family
281200378                   FL                  34744                Primary                  Single Family
281200428                   FL                  32526                Primary                  Single Family
281200549                   FL                  33936                Primary                  Single Family
281300034                   KS                  67217                Primary                  Single Family
281300062                   FL                  32025                Primary                  Manufactured Housing
281300077                   AZ                  86406                Primary                  Single Family
281300143                   AZ                  85310                Primary                  Single Family
281300169                   AZ                  85306                Primary                  Single Family
281300200                   FL                  34653                Primary                  Single Family
281300217                   AZ                  85304                Primary                  Single Family
281300227                   FL                  32073                Primary                  Single Family
281300230                   FL                  34112                Primary                  Single Family
281300268                   AZ                  85349                Primary                  Single Family
281300274                   AZ                  86403                Primary                  Single Family
281300300                   FL                  34609                Primary                  Single Family
281300305                   AZ                  85381                Primary                  Single Family
281300328                   AZ                  85304                Primary                  Single Family
281300331                   FL                  34690                Primary                  Single Family
281300380                   AZ                  85381                Primary                  Single Family
281300478                   AZ                  86401                Primary                  Single Family
281300492                   FL                  33912                Primary                  Single Family
281400081                   OH                  45304                Primary                  Single Family
281400133                   NM                  88061                Primary                  Single Family
281500019                   VA                  24089                Primary                  Single Family
281500027                   NM                  88048                Primary                  Single Family
281500068                   FL                  32566                Primary                  Single Family
281800087                   NM                  87801                Primary                  Single Family
281800176                   FL                  32073                Primary                  PUD
281800353                   FL                  33185                Primary                  Single Family
281800354                   FL                  32055                Primary                  Single Family
281800367                   AZ                  86323                Primary                  Manufactured Housing
281800383                   FL                  34997                Primary                  Single Family
281800392                   FL                  32064                Primary                  Single Family
281800401                   FL                  34983                Primary                  Single Family
281800443                   FL                  33463                Primary                  PUD
281800445                   VA                  23435                Primary                  PUD
281800580                   VA                  22152                Primary                  Single Family
281900035                   KS                  66801                Primary                  Single Family
281900132                   FL                  32955                Primary                  Single Family
281900200                   WY                  82001                Primary                  Single Family
281900251                   VA                  24014                Primary                  Single Family
281900290                   OH                  45212                Primary                  Single Family
281900361                   FL                  32703                Primary                  Single Family
282600002                   FL                  32777                Primary                  Single Family
282600008                   FL                  32765                Primary                  Single Family
282600023                   NH                  03031                Primary                  Single Family
282600064                   TX                  77072                Primary                  Single Family
282700059                   CA                  93722                Primary                  Single Family
282800004                   FL                  32738                Primary                  Single Family
282800009                   FL                  32327                Primary                  PUD
282800025                   TX                  76527                Primary                  Manufactured Housing
283401462                   GA                  31548                Primary                  Single Family
283401724                   NV                  89506                Primary                  Manufactured Housing
283401939                   NV                  89129                Primary                  Single Family
283402128                   SC                  29617                Primary                  Single Family
283402140                   PA                  19145                Primary                  Townhouse
283402279                   NV                  89131                Primary                  Single Family
283402342                   SC                  29644                Primary                  Manufactured Housing
283402367                   CA                  91730                Primary                  Single Family
283402551                   NV                  89506                Primary                  Single Family
283402575                   TN                  38337                Primary                  Single Family
283402661                   IA                  50025                Primary                  Single Family
283600897                   MI                  49269                Primary                  Single Family
283601293                   NV                  89031                Primary                  Single Family
283601348                   OR                  97527                Primary                  Single Family
283601429                   SD                  57703                Primary                  Single Family
283601518                   MO                  63701                Primary                  Single Family
283601549                   OH                  44830                Primary                  Single Family
283601638                   IN                  46514                Primary                  Manufactured Housing
283601745                   MN                  57068                Primary                  Single Family
283601865                   NY                  12836                Primary                  Manufactured Housing
283902061                   FL                  33463                Primary                  Single Family
283902084                   SC                  29556                Primary                  Single Family
283902124                   WA                  98284                Primary                  Single Family
283902291                   FL                  34653                Primary                  Single Family
283902466                   AR                  72601                Primary                  Single Family
283902515                   WA                  98310                Primary                  Single Family
283902583                   TX                  78245                Primary                  Single Family
283902609                   NE                  68506                Primary                  Single Family
283902653                   GA                  31055                Primary                  Single Family
283902656                   OH                  43015                Primary                  Single Family
283902670                   GA                  30087                Primary                  Single Family
283902694                   CA                  95831                Primary                  Single Family
283902737                   NV                  89131                Primary                  Single Family
283902746                   MO                  65109                Primary                  Single Family
283902829                   VA                  20110                Primary                  Single Family
284104740                   AZ                  85053                Primary                  Single Family
284104897                   ID                  83686                Primary                  PUD
284105032                   NY                  12719                Primary                  Single Family
284105082                   ID                  83221                Primary                  Single Family
284105086                   SD                  57369                Primary                  Single Family
284105138                   IA                  50171                Primary                  Single Family
284105210                   NV                  89156                Primary                  Single Family
284105257                   FL                  32425                Primary                  Single Family
284105265                   NM                  87031                Primary                  Single Family
284105321                   NV                  89149                Primary                  PUD
284205609                   MO                  65265                Primary                  Single Family
284205709                   CA                  91306                Primary                  Single Family
284205860                   MO                  63935                Primary                  Single Family
284206030                   MO                  63933                Primary                  Single Family
284206036                   PA                  18707                Primary                  Single Family
284206066                   PA                  18850                Primary                  Manufactured Housing
284206090                   CA                  93280                Primary                  Single Family
284206279                   NV                  89149                Primary                  Single Family
284206286                   NM                  88008                Primary                  Single Family
284206305                   ID                  83837                Primary                  Single Family
284206339                   MO                  65251                Primary                  Single Family
284206364                   CA                  93212                Primary                  Single Family
284206455                   VA                  20147                Primary                  PUD
284305934                   FL                  34286                Primary                  Single Family
284306009                   MI                  49425                Primary                  Single Family
284306136                   CA                  92395                Primary                  Single Family
284306139                   IN                  46303                Investor                 Single Family
284306219                   IA                  50138                Primary                  Single Family
284306235                   ID                  83713                Primary                  Single Family
284306292                   CA                  90603                Primary                  Single Family
284306373                   FL                  32327                Primary                  Single Family
284306407                   CT                  06460                Primary                  Single Family
284306544                   ID                  83352                Primary                  Single Family
284306607                   CA                  92307                Primary                  Single Family
284306642                   IN                  46324                Primary                  Single Family
284306735                   MD                  21740                Primary                  Single Family
284306818                   IN                  46303                Primary                  Single Family
284306829                   FL                  33311                Primary                  Single Family
284306909                   IN                  46391                Primary                  Single Family
284306964                   WV                  25427                Primary                  PUD
284307036                   FL                  34202                Primary                  PUD
284307097                   AZ                  85051                Primary                  Single Family
284406476                   IA                  50315                Primary                  Single Family
284406520                   CA                  93230                Primary                  Single Family
284406789                   CA                  93247                Primary                  Single Family
284407070                   MI                  49022                Primary                  Single Family
284407093                   SC                  29693                Primary                  Single Family
284407360                   AZ                  85374                Primary                  PUD
284407600                   IA                  52336                Primary                  Single Family
284506491                   NM                  87043                Primary                  Single Family
284506589                   SC                  29335                Second Home              Single Family
284506665                   MO                  64870                Primary                  Single Family
284506685                   OH                  45246                Primary                  Single Family
284506764                   CA                  92251                Primary                  Single Family
284506771                   MD                  21228                Primary                  Single Family
284506774                   OH                  45213                Primary                  Single Family
284506828                   FL                  32810                Primary                  Single Family
284506835                   MO                  64870                Primary                  Single Family
284506853                   OH                  45248                Primary                  Single Family
284602622                   GA                  30310                Primary                  Single Family
284602630                   NM                  87402                Primary                  Single Family
284602731                   CO                  81432                Primary                  Single Family
284602742                   NY                  13493                Primary                  Single Family
284602744                   CA                  93257                Primary                  Manufactured Housing
284602902                   NV                  89014                Primary                  PUD
284602920                   MD                  21911                Primary                  Single Family
284602954                   CA                  92345                Primary                  Single Family
284704809                   MO                  63303                Primary                  Single Family
284705215                   AZ                  86401                Primary                  Single Family
284705736                   MD                  20744                Primary                  Single Family
284705767                   DE                  19904                Primary                  Single Family
284705823                   NY                  14072                Primary                  Single Family
284705909                   ME                  04256                Primary                  Single Family
284705918                   AZ                  85023                Primary                  Single Family
284706042                   IA                  50327                Primary                  Single Family
284706080                   AZ                  85338                Primary                  PUD
284706112                   NC                  28377                Primary                  Single Family
284706153                   DE                  19804                Primary                  Single Family
284706187                   NY                  14052                Primary                  Single Family
284706197                   NY                  14075                Primary                  Single Family
284706205                   IA                  50261                Primary                  Single Family
284706250                   OH                  44256                Primary                  Single Family
284706289                   MD                  20657                Primary                  PUD
284706293                   NC                  28217                Primary                  Single Family
284706322                   IA                  50322                Primary                  Single Family
284706434                   DE                  19947                Primary                  Single Family
284706552                   MD                  21237                Primary                  Condominium
284806125                   NM                  87124                Primary                  Single Family
284806154                   NV                  89027                Primary                  Single Family
284806221                   NV                  89081                Primary                  PUD
284806245                   OR                  97006                Primary                  Single Family
284806313                   VA                  23322                Primary                  Single Family
284806543                   NV                  89130                Primary                  PUD
284806565                   CA                  94553                Primary                  PUD
284806578                   FL                  34654                Primary                  Single Family
284806624                   OH                  43920                Primary                  Manufactured Housing
284806635                   ME                  04040                Primary                  Single Family
284904952                   CA                  96021                Primary                  Manufactured Housing
284905181                   NV                  89512                Primary                  Condominium
284905276                   MD                  21502                Primary                  Single Family
284905288                   NY                  13367                Primary                  Single Family
284905353                   NV                  89139                Primary                  PUD
284905364                   FL                  34433                Primary                  Single Family
284905394                   NY                  13365                Primary                  Single Family
284905468                   NV                  89123                Primary                  Condominium
284905507                   NM                  87108                Primary                  Single Family
284905623                   NM                  87109                Primary                  Single Family
284905673                   CA                  96103                Primary                  Manufactured Housing
284905724                   NM                  87124                Primary                  Single Family
284905742                   MO                  64492                Primary                  Single Family
284905873                   GA                  30606                Primary                  Single Family
284905893                   SC                  29212                Primary                  Single Family
284905909                   NM                  87144                Primary                  Single Family
284905963                   NV                  89031                Primary                  PUD
284905982                   CA                  96101                Primary                  PUD
284906001                   AZ                  86413                Primary                  Single Family
284906014                   NM                  87112                Primary                  Single Family
285003265                   PA                  19152                Primary                  Single Family
285003307                   MT                  59014                Primary                  Single Family
285003516                   ME                  04236                Primary                  Two-Four Family
285003621                   CO                  80817                Primary                  Single Family
285003650                   FL                  33570                Primary                  Manufactured Housing
285003766                   DE                  19803                Primary                  Single Family
285003926                   WV                  25880                Primary                  Single Family
285004030                   NC                  28721                Primary                  Single Family
285004040                   MD                  21207                Primary                  Single Family
285004048                   NC                  27545                Primary                  Single Family
285004073                   IN                  46320                Primary                  Single Family
285004115                   DE                  19720                Primary                  Single Family
285004143                   CA                  95409                Primary                  Single Family
285004148                   GA                  31558                Primary                  Single Family
285103893                   MD                  20745                Primary                  Single Family
285103951                   KS                  67207                Primary                  Single Family
285104265                   CA                  92505                Primary                  Single Family
285104449                   MI                  49651                Primary                  Single Family
285104457                   OK                  74346                Primary                  Single Family
285104458                   CA                  93277                Primary                  Single Family
285104481                   MN                  55051                Primary                  Manufactured Housing
285104658                   TN                  37404                Primary                  Single Family
285203028                   MO                  65010                Primary                  Manufactured Housing
285203197                   VA                  24540                Investor                 Single Family
285203342                   CA                  92225                Primary                  Single Family
285203440                   MD                  21206                Investor                 Townhouse
285203455                   ID                  83617                Primary                  Single Family
285203683                   OH                  43927                Primary                  Single Family
285203685                   OR                  97396                Primary                  Single Family
285203689                   CA                  94561                Primary                  Single Family
285203737                   MO                  65605                Primary                  Single Family
285203783                   NM                  88025                Primary                  Single Family
285203813                   MI                  49036                Primary                  Manufactured Housing
285203830                   VT                  05735                Primary                  Single Family
285203902                   VA                  23693                Investor                 Single Family
285302635                   GA                  30519                Primary                  Single Family
285302726                   NV                  89506                Primary                  Single Family
285302773                   NV                  89506                Primary                  Single Family
285302829                   NV                  89506                Primary                  PUD
285302833                   OH                  43616                Primary                  Single Family
285302940                   AZ                  86327                Primary                  Manufactured Housing
285302956                   SD                  57201                Primary                  Single Family
285303183                   DE                  19962                Primary                  Single Family
285303203                   MI                  49265                Primary                  Single Family
285303207                   SD                  57053                Primary                  Single Family
285303271                   OH                  44054                Primary                  Single Family
285401621                   CA                  92311                Primary                  Single Family
285402029                   CA                  93274                Investor                 Single Family
285402055                   SC                  29133                Primary                  Single Family
285402145                   GA                  31907                Primary                  Single Family
285402192                   GA                  31906                Primary                  Single Family
285402359                   GA                  31903                Primary                  Single Family
285402387                   CO                  81625                Primary                  Single Family
285402453                   GA                  30620                Primary                  Single Family
285402507                   DE                  19960                Primary                  Single Family
285402516                   GA                  30620                Primary                  Single Family
285402541                   NY                  13153                Primary                  Single Family
285402557                   WA                  98855                Primary                  Single Family
285402631                   VA                  22554                Primary                  Single Family
285402687                   IN                  47110                Primary                  Manufactured Housing
285402712                   NV                  89436                Primary                  Single Family
285402810                   NV                  89431                Primary                  Single Family
285402934                   MD                  21202                Primary                  Single Family
285402964                   NM                  88030                Primary                  Single Family
285703119                   NV                  89115                Primary                  Single Family
285703530                   NV                  89117                Primary                  PUD
285703563                   FL                  33713                Primary                  Single Family
285703766                   NV                  89156                Primary                  Single Family
285703853                   NV                  89145                Primary                  Single Family
285703952                   FL                  33781                Primary                  Single Family
285703968                   GA                  30907                Primary                  Single Family
285800784                   PA                  16504                Primary                  Single Family
285900867                   GA                  31520                Primary                  Single Family
285901043                   NV                  89506                Primary                  Single Family
285901127                   AZ                  85383                Primary                  PUD
285901181                   MD                  20706                Primary                  Single Family
285901192                   MD                  21620                Primary                  Single Family
285901263                   FL                  34232                Primary                  Single Family
285901276                   PA                  19151                Primary                  Single Family
285901324                   MD                  21045                Primary                  PUD
285901333                   FL                  33032                Primary                  Single Family
285901347                   WV                  25315                Primary                  Single Family
285901358                   AZ                  85226                Primary                  PUD
285901410                   AZ                  85379                Primary                  PUD
285901425                   IA                  51501                Primary                  Single Family
285901426                   ME                  04027                Primary                  Single Family
286001212                   KS                  66502                Second Home              Single Family
286001282                   CA                  95403                Primary                  Single Family
286001418                   MD                  20783                Investor                 Condominium
286001419                   ID                  83324                Primary                  Manufactured Housing
286001479                   GA                  31404                Investor                 Single Family
286001666                   GA                  31602                Primary                  Single Family
286001708                   OH                  44203                Primary                  Single Family
286001732                   GA                  31601                Primary                  Single Family
286001754                   IA                  51106                Primary                  Single Family
286001762                   MO                  65641                Primary                  Single Family
286001770                   MT                  59063                Primary                  Single Family
286001793                   NC                  27302                Primary                  Single Family
286001794                   GA                  31632                Primary                  Single Family
286001864                   MD                  20744                Investor                 Townhouse
286001875                   CA                  90240                Primary                  Single Family
286002057                   NV                  89433                Primary                  Manufactured Housing
286101284                   AZ                  86326                Primary                  Single Family
286101365                   SC                  29118                Primary                  Single Family
286102093                   CA                  95531                Primary                  Single Family
286400004                   CA                  92057                Primary                  Single Family
286400016                   NV                  89706                Primary                  Manufactured Housing
286400022                   NV                  89512                Primary                  Single Family
286400032                   CA                  93727                Primary                  Single Family
286400034                   NV                  89506                Primary                  Single Family
286400039                   CA                  93230                Primary                  Single Family
286400058                   NV                  89506                Primary                  Condominium
286400062                   CA                  93612                Primary                  Single Family
286400067                   NV                  89408                Primary                  Single Family
286400069                   CA                  93612                Primary                  Single Family
286600001                   TX                  77015                Primary                  PUD
286600005                   CA                  95620                Primary                  Single Family
286600008                   CA                  95380                Primary                  Single Family
286600012                   NJ                  08215                Primary                  Single Family
286600015                   TX                  78727                Primary                  Single Family
286600017                   CT                  06066                Primary                  Single Family
286600020                   NC                  27540                Primary                  PUD
286600025                   NJ                  08232                Primary                  Single Family
286600026                   CA                  95620                Primary                  Single Family
286600027                   NC                  27106                Primary                  Single Family
286600030                   CA                  94558                Primary                  Single Family
286600039                   CA                  95620                Primary                  Single Family
286600040                   TX                  78745                Primary                  Single Family
286600041                   TX                  78070                Primary                  PUD
286600043                   CA                  95620                Primary                  Single Family
286600047                   TX                  78070                Primary                  PUD
286600048                   NC                  27605                Primary                  Single Family
286600056                   CA                  95307                Primary                  Single Family
286600057                   CA                  92595                Primary                  Single Family
286600065                   NC                  27106                Primary                  Single Family
286600067                   CT                  06518                Primary                  Single Family
286600070                   CA                  95448                Primary                  PUD
286600072                   CA                  95407                Primary                  Single Family
286600073                   TX                  78644                Primary                  Single Family
286600075                   CT                  06804                Primary                  Single Family
286600076                   CT                  06472                Primary                  Single Family
286600079                   CT                  06417                Primary                  Single Family
286600085                   NC                  28372                Primary                  Single Family
286600089                   NC                  27616                Primary                  Single Family
286600093                   NC                  27616                Primary                  Single Family
286600094                   NJ                  08234                Primary                  Single Family
286600098                   TX                  77015                Primary                  PUD
286600100                   CA                  95437                Primary                  Single Family
286600101                   NY                  13601                Primary                  Single Family
286600103                   TX                  78247                Investor                 Single Family
286600109                   CT                  06776                Primary                  Single Family
286600117                   CA                  95350                Primary                  Single Family
286600126                   NC                  27612                Primary                  Single Family
286600131                   CT                  06824                Primary                  Single Family
286600133                   CA                  95425                Primary                  Single Family
286600140                   CA                  94558                Primary                  Single Family
286600145                   NC                  27310                Primary                  PUD
286600147                   CA                  95425                Primary                  Single Family
286600152                   TX                  77007                Primary                  Single Family
286600154                   OR                  97504                Primary                  Single Family
286600159                   CT                  06902                Primary                  Single Family
286600164                   CA                  95363                Primary                  Single Family
286600166                   CA                  95366                Primary                  Single Family
286600168                   CT                  06776                Primary                  Single Family
286600173                   CA                  95351                Primary                  Single Family
286600174                   CT                  06320                Primary                  Condominium
286600176                   CT                  06516                Primary                  Single Family
286600179                   CA                  95350                Primary                  Single Family
286600180                   NC                  27525                Primary                  Single Family
286600184                   TX                  78245                Primary                  Single Family
286600185                   NC                  27606                Primary                  Single Family
286600188                   NC                  27410                Primary                  PUD
286600233                   NC                  27410                Primary                  Condominium
286600239                   TX                  78681                Primary                  Single Family
286600244                   NC                  27320                Primary                  Single Family
286600248                   TX                  77536                Primary                  Single Family
286600252                   TX                  78250                Primary                  Single Family
286600254                   NJ                  08555                Primary                  Single Family
286600260                   CA                  95451                Primary                  PUD
286700019                   OH                  44906                Primary                  Single Family
286700035                   NV                  89084                Primary                  PUD
286700062                   NH                  03054                Primary                  Single Family
286700137                   DE                  19720                Primary                  Single Family
286700154                   AR                  72601                Primary                  Single Family
286700162                   NY                  13357                Primary                  Single Family
286700190                   LA                  70353                Primary                  Single Family
286700271                   FL                  34741                Primary                  PUD
286902648                   GA                  30286                Primary                  Single Family
286902733                   AZ                  85204                Primary                  Single Family
286902788                   FL                  33024                Primary                  Condominium
286902833                   PA                  19320                Primary                  Single Family
286902850                   NY                  11590                Primary                  Single Family
286902889                   CA                  92504                Primary                  Single Family
286902926                   NV                  89101                Investor                 Two-Four Family
286902959                   WV                  26508                Primary                  Manufactured Housing
286902979                   GA                  30315                Primary                  Single Family
286903022                   CA                  91913                Primary                  Single Family
286903128                   WI                  54559                Primary                  Single Family
286903133                   FL                  34601                Primary                  Single Family
286903152                   OH                  45205                Primary                  Single Family
286903198                   CA                  95660                Primary                  Single Family
286903219                   CO                  80130                Primary                  PUD
286903223                   TX                  79763                Primary                  Single Family
286903236                   TX                  75149                Primary                  Single Family
286903272                   NE                  68949                Primary                  Single Family
286903282                   MA                  02330                Primary                  Single Family
286903313                   MI                  48146                Primary                  Single Family
286903314                   TX                  77388                Primary                  PUD
286903326                   OH                  44511                Primary                  Single Family
286903329                   NM                  88201                Primary                  Single Family
286903332                   NC                  28129                Primary                  Single Family
286903339                   NV                  89015                Primary                  PUD
286903356                   TX                  78072                Primary                  Single Family
286903357                   MI                  48340                Primary                  Single Family
286903371                   OK                  74012                Primary                  PUD
286903389                   NJ                  08332                Primary                  Single Family
286903390                   TX                  77093                Primary                  Single Family
286903408                   CT                  06002                Primary                  Single Family
286903419                   TN                  37115                Primary                  PUD
286903427                   MD                  20743                Primary                  Single Family
286903442                   GA                  30034                Primary                  Single Family
286903481                   MA                  01801                Primary                  Single Family
286903557                   CA                  93311                Primary                  Single Family
286903597                   CA                  92557                Primary                  Single Family
286903832                   AZ                  85048                Primary                  Townhouse
287200651                   CA                  94544                Primary                  Single Family
287200652                   CA                  93722                Primary                  Single Family
287200669                   CA                  93308                Primary                  Single Family
287200674                   CA                  91706                Primary                  Single Family
287200685                   CA                  94605                Primary                  Single Family
287200690                   CA                  95688                Primary                  Single Family
287200704                   CA                  90660                Primary                  Single Family
287200710                   CA                  92395                Primary                  Single Family
287200749                   CA                  92707                Primary                  Single Family
287200754                   CA                  91350                Primary                  PUD
287200771                   CA                  90731                Primary                  Single Family
287200792                   CA                  94519                Primary                  Single Family
287200793                   CA                  90650                Primary                  Single Family
287200805                   CA                  92335                Primary                  Single Family
287301104                   CA                  92243                Primary                  Single Family
287301181                   CA                  92646                Primary                  Single Family
287301194                   CA                  92336                Primary                  Single Family
287301202                   CA                  92592                Primary                  PUD
287301214                   CA                  92879                Primary                  Single Family
287301216                   CA                  95823                Primary                  Single Family
287301233                   FL                  32629                Primary                  Single Family
287301234                   FL                  33155                Primary                  Single Family
287301252                   CA                  92231                Primary                  Single Family
287301303                   CA                  93612                Primary                  Single Family
287301334                   CA                  92154                Primary                  Single Family
287301338                   CA                  92008                Primary                  Condominium
287301340                   CA                  95602                Primary                  Single Family
287301342                   CA                  92544                Primary                  Single Family
287301347                   CA                  92583                Primary                  Single Family
287301351                   CA                  91913                Primary                  Condominium
287301419                   CA                  92021                Primary                  Single Family
287500713                   FL                  33603                Primary                  Single Family
287500873                   FL                  32244                Primary                  PUD
287500884                   FL                  32073                Primary                  Single Family
287500903                   FL                  33844                Primary                  Single Family
287500904                   FL                  32804                Primary                  Single Family
287500911                   FL                  33619                Primary                  Single Family
287500921                   FL                  32935                Primary                  Single Family
287500923                   FL                  32259                Primary                  PUD
287500998                   FL                  32766                Primary                  Single Family
287501016                   GA                  31566                Primary                  Single Family
287501018                   FL                  32784                Primary                  Single Family
287501027                   FL                  32424                Primary                  Single Family
287501029                   FL                  33411                Primary                  PUD
287501062                   FL                  33563                Primary                  Single Family
287501070                   FL                  32771                Primary                  Single Family
287501073                   FL                  34771                Primary                  PUD
287501075                   FL                  32210                Primary                  PUD
287501083                   FL                  33540                Primary                  Single Family
287501108                   FL                  32812                Primary                  Condominium
287501109                   FL                  32712                Primary                  Single Family
287501124                   FL                  33323                Primary                  PUD
287501128                   FL                  34743                Primary                  Single Family
287501138                   FL                  33936                Primary                  Single Family
287501160                   FL                  33569                Primary                  PUD
287501173                   FL                  34231                Primary                  Single Family
287501220                   FL                  32778                Primary                  Single Family
287501233                   FL                  32746                Primary                  PUD
287501273                   FL                  32808                Primary                  Single Family
287501274                   FL                  32808                Primary                  Single Family
287501278                   FL                  32784                Primary                  Single Family
287501294                   FL                  34479                Primary                  Single Family
287501321                   FL                  32771                Primary                  PUD
287600879                   TX                  75709                Primary                  PUD
287600896                   TX                  78254                Primary                  PUD
287601055                   TX                  77083                Primary                  PUD
287601064                   LA                  70791                Primary                  Single Family
287601117                   TX                  77449                Primary                  PUD
287601134                   TX                  77433                Primary                  PUD
287601150                   TX                  78539                Primary                  Single Family
287601161                   TX                  78621                Primary                  Single Family
287601178                   TX                  77069                Primary                  Condominium
287601197                   TX                  76522                Primary                  Single Family
287601210                   TX                  78228                Primary                  Single Family
287601226                   LA                  70355                Primary                  Single Family
287601229                   TX                  78254                Primary                  PUD
287601231                   LA                  70056                Primary                  Single Family
287601254                   TX                  77375                Primary                  PUD
287601270                   TX                  77904                Primary                  Single Family
287601282                   LA                  70058                Primary                  Single Family
287601290                   TX                  77389                Primary                  Single Family
287601314                   TX                  78073                Primary                  Single Family
287601321                   TX                  77503                Primary                  Single Family
287601334                   TX                  77536                Primary                  Single Family
287601348                   TX                  78259                Primary                  Single Family
287601377                   TX                  78240                Primary                  Single Family
287601379                   TX                  78250                Primary                  Single Family
287601380                   TX                  78250                Primary                  Single Family
287601385                   TX                  77373                Primary                  Single Family
287700479                   TX                  76903                Primary                  Single Family
287700487                   GA                  30034                Primary                  Single Family
287700545                   TX                  78572                Primary                  Single Family
287700580                   TX                  77657                Primary                  Single Family
287700582                   TX                  76106                Primary                  Single Family
287700588                   FL                  33511                Primary                  PUD
287700596                   FL                  34472                Primary                  Single Family
287700598                   TX                  78562                Primary                  Single Family
287700614                   AR                  72143                Primary                  Single Family
287700622                   AR                  72015                Primary                  Single Family
287700629                   FL                  32333                Primary                  Single Family
287700665                   NV                  89107                Primary                  Single Family
287700676                   TX                  76118                Primary                  Single Family
287700691                   TX                  78539                Primary                  PUD
287700696                   TX                  76502                Primary                  Single Family
287700702                   TX                  78539                Primary                  Single Family
287700737                   TX                  78584                Primary                  Single Family
287700742                   CO                  80015                Primary                  Single Family
287700746                   OK                  73112                Primary                  Single Family
287700754                   TX                  75801                Primary                  Single Family
287700772                   TX                  78572                Primary                  Single Family
287700781                   TX                  79029                Primary                  Single Family
287700819                   FL                  32308                Primary                  Single Family
287700822                   CO                  80922                Primary                  Single Family
287700827                   TX                  77657                Primary                  Single Family
287700831                   AR                  72524                Primary                  Single Family
287700836                   FL                  32244                Primary                  Single Family
287700845                   FL                  32003                Primary                  Single Family
287700852                   PA                  19079                Primary                  Single Family
287700854                   OK                  74954                Primary                  Single Family
287700860                   TX                  78363                Primary                  Single Family
287700869                   TX                  78577                Primary                  Single Family
287700884                   FL                  32221                Primary                  Single Family
287700896                   CO                  80640                Primary                  PUD
287700906                   FL                  33707                Primary                  Single Family
287800204                   GA                  30436                Primary                  Single Family
287800243                   FL                  34974                Primary                  Manufactured Housing
287800245                   GA                  30223                Primary                  Single Family
287800264                   GA                  30310                Primary                  Single Family
287800298                   GA                  31088                Primary                  Single Family
287800306                   GA                  30215                Primary                  Single Family
287800310                   GA                  30252                Primary                  Single Family
287900366                   CA                  95322                Primary                  Single Family
287900538                   CA                  95348                Primary                  Single Family
287900604                   CA                  93292                Primary                  Single Family
287900656                   CA                  95401                Primary                  Single Family
288002886                   CA                  94601                Primary                  Single Family
288002936                   CA                  92256                Primary                  Single Family
288003118                   CA                  92506                Primary                  Condominium
288003173                   CA                  92883                Primary                  Single Family
288003342                   CA                  93313                Primary                  Single Family
288003359                   CA                  92557                Primary                  Single Family
288003370                   CA                  92530                Primary                  Single Family
288003377                   CA                  91342                Primary                  Single Family
288003437                   CA                  92557                Primary                  Single Family
288003462                   CA                  92584                Primary                  PUD
288003484                   CA                  92553                Primary                  Single Family
288003530                   CA                  92530                Primary                  Single Family
288003543                   CA                  92277                Primary                  Single Family
288003546                   CA                  92562                Primary                  Single Family
288003561                   CA                  92571                Primary                  Single Family
288003568                   CA                  90713                Primary                  Single Family
288003594                   CA                  92252                Primary                  Single Family
288003647                   CA                  92274                Primary                  Single Family
288003660                   CA                  92584                Primary                  Single Family
288003668                   CA                  92504                Primary                  Single Family
288003692                   CA                  92225                Primary                  Single Family
288003710                   CA                  92544                Primary                  Single Family
288003750                   CA                  92252                Primary                  Single Family
288003781                   CA                  92508                Primary                  Single Family
288003862                   CA                  92555                Primary                  Single Family
288003882                   CA                  92582                Primary                  Single Family
288003974                   CA                  92555                Primary                  Single Family
288103443                   TX                  79936                Primary                  Single Family
288103562                   CA                  92308                Primary                  Single Family
288104046                   TX                  79735                Primary                  Single Family
288104326                   MO                  64020                Primary                  Single Family
288104398                   PA                  19061                Primary                  Single Family
288104425                   TX                  78065                Second Home              Single Family
288104607                   MA                  02726                Primary                  Single Family
288104736                   IN                  46410                Primary                  Single Family
288201506                   NY                  10596                Primary                  Single Family
288201657                   NY                  12583                Primary                  Single Family
288201697                   NY                  12603                Primary                  Single Family
288201737                   NY                  10924                Primary                  Single Family
288201809                   NY                  10566                Primary                  Single Family
288201904                   NY                  10801                Primary                  Single Family
288201920                   NY                  12095                Primary                  Single Family
288201953                   NY                  10940                Primary                  Single Family
288201975                   NY                  12601                Primary                  Single Family
288202013                   NJ                  07028                Primary                  Single Family
288202085                   CT                  06082                Primary                  Single Family
288301955                   NY                  12065                Primary                  Single Family
288302596                   NY                  12110                Primary                  Single Family
288302655                   NY                  11234                Primary                  Townhouse
288302856                   NJ                  07470                Primary                  Single Family
288302865                   NY                  12302                Primary                  Single Family
288302900                   MA                  02116                Primary                  Condominium
288302945                   KS                  66066                Primary                  Single Family
288302963                   NY                  14304                Primary                  Single Family
288303009                   TX                  79762                Primary                  Single Family
288303051                   NY                  13205                Primary                  Single Family
288303103                   TX                  77957                Primary                  Single Family
288303150                   MO                  64093                Primary                  Single Family
288303275                   MO                  63822                Primary                  Single Family
288303287                   NY                  12095                Primary                  Single Family
288303374                   GA                  30096                Primary                  Single Family
288303431                   NY                  13082                Primary                  Single Family
288303570                   NH                  03576                Primary                  Single Family
288502997                   CA                  90706                Primary                  Single Family
288503011                   CA                  91355                Primary                  PUD
288503174                   CA                  93534                Primary                  Single Family
288503270                   CA                  93241                Primary                  Single Family
288503282                   CA                  93446                Primary                  Single Family
288503311                   CA                  95320                Primary                  Single Family
288503387                   CA                  95991                Primary                  Single Family
288503440                   CA                  93446                Primary                  Single Family
288503472                   CA                  93446                Primary                  Single Family
288503519                   CA                  91745                Primary                  Single Family
288503548                   CA                  95350                Primary                  Single Family
288503683                   CA                  93306                Primary                  Single Family
288503719                   CA                  91342                Primary                  Single Family
288503798                   CA                  95320                Primary                  Single Family
288503820                   CA                  95340                Primary                  Single Family
288503838                   CA                  96025                Primary                  Single Family
288503855                   CA                  95354                Primary                  Single Family
288503862                   CA                  91304                Primary                  Condominium
288503925                   CA                  93436                Primary                  Single Family
288504011                   CA                  91350                Primary                  Single Family
288504016                   CA                  95838                Primary                  Single Family
288504035                   CA                  95503                Primary                  Single Family
288504075                   CA                  91342                Primary                  Single Family
288504163                   CA                  95624                Primary                  Single Family
288504201                   CA                  93611                Primary                  Single Family
288504314                   CA                  90066                Primary                  Single Family
288504449                   CA                  95832                Primary                  Single Family
288601519                   NY                  11050                Primary                  Single Family
288601974                   NY                  10941                Primary                  Condominium
288601975                   MA                  01524                Primary                  Single Family
288602135                   NY                  11553                Primary                  Single Family
288602238                   NY                  11766                Primary                  Single Family
288602244                   NJ                  07631                Primary                  Condominium
288602342                   NY                  11429                Primary                  Single Family
288602395                   NY                  11590                Primary                  Single Family
288602408                   NY                  11561                Primary                  Single Family
288602469                   NY                  11778                Primary                  Single Family
288602474                   NY                  10303                Primary                  Single Family
288602557                   NJ                  08361                Primary                  Single Family
288602569                   NY                  11951                Primary                  Single Family
288602583                   NY                  10940                Primary                  Single Family
288602604                   NY                  10312                Primary                  Single Family
288602703                   NY                  10940                Primary                  Single Family
288602790                   NJ                  07649                Primary                  Single Family
288701481                   CA                  95949                Primary                  Manufactured Housing
288701773                   CA                  95501                Primary                  Single Family
288701783                   CA                  93550                Primary                  Single Family
288701869                   CA                  96080                Primary                  Single Family
288701977                   CA                  95966                Primary                  Manufactured Housing
288701989                   CA                  95425                Primary                  Single Family
288702021                   CA                  95525                Primary                  Single Family
288702022                   CA                  90660                Primary                  Single Family
288702055                   CA                  95621                Primary                  Single Family
288702076                   CA                  95966                Primary                  Single Family
288702108                   CA                  95445                Primary                  Manufactured Housing
288702197                   CA                  95965                Primary                  Single Family
288801836                   CA                  90032                Primary                  Single Family
288801876                   CA                  95661                Primary                  Single Family
288802024                   CA                  94553                Primary                  Single Family
288802116                   CA                  95821                Primary                  Single Family
288802293                   CA                  92372                Primary                  Manufactured Housing
288802337                   CA                  96118                Primary                  Single Family
288802352                   CA                  92509                Primary                  Single Family
288802354                   CA                  92405                Primary                  Single Family
288802387                   CA                  91701                Primary                  Single Family
288802426                   CA                  96080                Primary                  Single Family
288802436                   CA                  95687                Primary                  Single Family
288802469                   CA                  91354                Primary                  Single Family
288802521                   CA                  93311                Primary                  Single Family
288802532                   CA                  95351                Primary                  Single Family
288901315                   MA                  01569                Primary                  Single Family
289001193                   CA                  94578                Primary                  Condominium
289001405                   AZ                  85006                Primary                  Single Family
289001463                   CA                  95210                Primary                  Single Family
289001562                   CA                  94806                Primary                  Single Family
289001605                   CA                  94533                Primary                  Single Family
289102552                   NY                  10921                Primary                  Single Family
289103158                   OK                  73018                Primary                  Single Family
289103169                   TX                  75232                Primary                  Single Family
289103204                   TX                  75070                Primary                  Single Family
289103277                   VA                  23805                Investor                 Single Family
289103284                   VA                  23707                Primary                  Single Family
289202585                   PA                  18969                Primary                  Single Family
289202628                   TX                  76823                Primary                  Single Family
289202673                   NY                  14305                Primary                  Single Family
289202713                   CT                  06708                Primary                  Single Family
289202886                   NJ                  08021                Primary                  Condominium
289203005                   NY                  11743                Primary                  Single Family
289203104                   TX                  77539                Primary                  PUD
289203142                   NY                  11720                Primary                  Single Family
289203150                   SC                  29123                Primary                  Single Family
289203167                   TX                  77590                Primary                  Single Family
289203181                   IN                  46779                Primary                  Manufactured Housing
289203186                   TX                  77521                Primary                  Single Family
289203204                   FL                  32043                Primary                  Single Family
289203222                   NY                  10925                Primary                  Single Family
289203437                   TX                  78664                Primary                  Single Family
289203487                   OH                  45239                Primary                  Single Family
289301511                   FL                  32211                Primary                  Single Family
289301894                   CA                  94545                Primary                  Single Family
289301899                   MA                  02130                Primary                  Two-Four Family
289301918                   OH                  45039                Primary                  Single Family
289301946                   OR                  97504                Primary                  Single Family
289302097                   PA                  19403                Primary                  Single Family
289302133                   TX                  75211                Primary                  Single Family
289302287                   TX                  77083                Primary                  PUD
289401190                   CA                  93536                Primary                  Condominium
289401282                   CA                  95917                Primary                  Single Family
289401389                   NE                  68107                Primary                  Single Family
289401461                   IN                  46221                Primary                  Single Family
289401468                   NE                  68064                Primary                  Single Family
289401545                   IA                  52211                Primary                  Single Family
289401567                   FL                  33872                Investor                 Single Family
289401929                   NY                  10977                Primary                  Single Family
289401954                   CT                  06790                Primary                  Single Family
289402013                   PA                  18077                Primary                  Single Family
289402161                   FL                  33493                Primary                  Single Family
289402314                   NM                  88240                Primary                  Single Family
289402345                   FL                  33897                Primary                  Single Family
289402478                   NH                  03103                Primary                  Single Family
289500244                   MA                  01463                Primary                  Single Family
289500274                   VA                  22554                Primary                  Single Family
289500275                   PA                  15037                Primary                  Single Family
289500278                   PA                  15642                Primary                  Single Family
289500284                   MD                  20746                Primary                  Single Family
289500297                   CT                  06418                Primary                  Single Family
289500304                   VT                  05772                Primary                  Single Family
289500305                   PA                  15034                Primary                  Single Family
289500307                   CT                  06490                Primary                  Single Family
289500315                   PA                  16823                Primary                  Single Family
289500339                   NJ                  08618                Primary                  Single Family
289500340                   VA                  24017                Primary                  Single Family
289500349                   NY                  14750                Primary                  Single Family
289500374                   PA                  15206                Primary                  Single Family
289500400                   VA                  23229                Primary                  Single Family
289500401                   PA                  18202                Primary                  Single Family
289500408                   PA                  15131                Primary                  Single Family
289500413                   NY                  14904                Primary                  Single Family
289500425                   NJ                  07042                Primary                  Single Family
289500434                   PA                  19138                Primary                  Townhouse
289500435                   VA                  23237                Primary                  Single Family
289600248                   CA                  91762                Primary                  Single Family
289600302                   CA                  93551                Primary                  Single Family
289600406                   CA                  90003                Primary                  Single Family
289600411                   CA                  92505                Primary                  Single Family
289600420                   CA                  93313                Primary                  Single Family
289600480                   CA                  93536                Primary                  Single Family
289600485                   CA                  90247                Primary                  Single Family
289600537                   CA                  92821                Primary                  Single Family
289600567                   CA                  92507                Primary                  Condominium
289600591                   CA                  92223                Primary                  Single Family
289600603                   CA                  92503                Primary                  Single Family
289600614                   CA                  93551                Primary                  Single Family
289600631                   CA                  92583                Primary                  Single Family
289600696                   CA                  91306                Primary                  Single Family
289801683                   WA                  99320                Primary                  Manufactured Housing
289801732                   TX                  77418                Primary                  Single Family
289801777                   TX                  77450                Primary                  PUD
289802111                   TX                  75972                Primary                  Single Family
289802141                   TX                  79935                Primary                  Single Family
289802253                   TX                  79925                Primary                  Single Family
289900006                   PA                  17319                Primary                  Single Family
289900608                   FL                  32709                Primary                  Manufactured Housing
289901035                   WA                  98366                Primary                  PUD
289901266                   FL                  33458                Primary                  Single Family
289901306                   FL                  34232                Primary                  Single Family
289901324                   TN                  38118                Primary                  Single Family
289901441                   FL                  32309                Primary                  Single Family
289901710                   LA                  71328                Primary                  Single Family
289901772                   GA                  30240                Primary                  Single Family
289901879                   MD                  21234                Primary                  Single Family
289901904                   CT                  06615                Primary                  Condominium
289901920                   GA                  30114                Primary                  Single Family
289902040                   SC                  29907                Primary                  Single Family
289902055                   NY                  14613                Primary                  Single Family
289902188                   MD                  21229                Primary                  Single Family
290000005                   TX                  76351                Primary                  Single Family
290000064                   TX                  75147                Primary                  Single Family
290000095                   TX                  77301                Primary                  Single Family
290200743                   MI                  48883                Primary                  Single Family
290200828                   AZ                  85032                Primary                  Single Family
290200878                   OR                  97056                Primary                  Manufactured Housing
290201420                   OR                  97266                Primary                  Single Family
290201448                   AZ                  85301                Primary                  Single Family
290300076                   CA                  95822                Primary                  Single Family
290300109                   CA                  92301                Primary                  Manufactured Housing
290300275                   AZ                  85638                Primary                  Single Family
290300517                   AZ                  85747                Primary                  PUD
290300548                   WA                  98506                Primary                  Single Family
290300549                   OR                  97049                Primary                  Single Family
290300592                   AZ                  85743                Primary                  Manufactured Housing
290300634                   AZ                  85239                Primary                  Single Family
290300746                   WA                  98682                Primary                  Single Family
290300758                   AZ                  85746                Primary                  PUD
290300927                   AZ                  85257                Primary                  PUD
290301015                   AZ                  85730                Primary                  Single Family
290301108                   CA                  95376                Primary                  Single Family
290301381                   OH                  45750                Primary                  Single Family
290301407                   CA                  91978                Primary                  PUD
290301559                   AZ                  85041                Primary                  PUD
290400004                   CA                  93654                Primary                  Single Family
290400011                   CA                  94134                Primary                  Townhouse
290400259                   AZ                  85006                Primary                  Single Family
290400615                   MI                  49268                Primary                  Single Family
290500025                   CA                  95608                Primary                  Single Family
290500029                   CA                  95843                Primary                  Single Family
290500569                   CA                  93461                Primary                  Single Family
290600077                   CA                  93906                Primary                  Single Family
290600154                   WA                  98021                Primary                  Single Family
290800024                   CA                  93292                Primary                  Single Family
290900066                   NV                  89147                Primary                  PUD
291000024                   MD                  20747                Primary                  Single Family
291000084                   MD                  20772                Primary                  Single Family
291000114                   MD                  21227                Primary                  Single Family
291000136                   MD                  21157                Primary                  Single Family
291000173                   MD                  21212                Primary                  Single Family
291000206                   MD                  21207                Primary                  Single Family
291000234                   MD                  21044                Primary                  Condominium
291000250                   MD                  21219                Primary                  Single Family
291000257                   MD                  21237                Primary                  Single Family
291000349                   MD                  21220                Primary                  Single Family
291000406                   MD                  21117                Primary                  Single Family
291100015                   CA                  95648                Primary                  Single Family
291100043                   CA                  90720                Primary                  Single Family
291100075                   AZ                  85345                Investor                 Single Family
291100117                   CA                  95330                Primary                  Single Family
291100153                   CA                  90034                Primary                  Single Family
291100234                   CA                  95828                Primary                  Single Family
291100444                   CA                  91801                Second Home              Single Family
291300090                   VA                  23462                Primary                  PUD

Loan Number                 IO Term                IO Remaining Term                  Original Term
----------------------------------------------------------------------------------------------------------
148902757                                0                                  0                         360
148903494                                0                                  0                         180
148903544                               60                                 55                         360
148903593                                0                                  0                         360
148903683                               60                                 50                         360
148903848                                0                                  0                         360
148903879                                0                                  0                         180
148903910                               60                                 56                         360
148903977                                0                                  0                         360
148904068                                0                                  0                         360
148904107                               60                                 57                         360
148904181                               60                                 57                         360
148904192                               60                                 56                         360
148904196                               60                                 58                         360
148904235                               60                                 58                         360
148904239                               60                                 52                         360
148904291                               60                                 57                         360
148904442                               60                                 56                         360
148904451                                0                                  0                         360
148904499                                0                                  0                         240
148904533                                0                                  0                         360
148904537                                0                                  0                         360
148904540                               60                                 56                         360
148904543                                0                                  0                         360
148904664                               60                                 55                         360
148904698                               60                                 56                         360
148904705                               60                                 55                         360
148904761                               60                                 56                         360
148904781                               60                                 55                         360
148904799                                0                                  0                         360
148904810                                0                                  0                         360
148904845                               60                                 55                         360
148904859                                0                                  0                         360
148904867                               60                                 56                         360
148904868                                0                                  0                         360
148904880                                0                                  0                         360
148904888                                0                                  0                         360
148904894                                0                                  0                         360
148904949                                0                                  0                         360
148904955                               60                                 55                         360
148904957                               60                                 55                         360
148904964                               60                                 56                         360
148904975                                0                                  0                         360
148904992                                0                                  0                         360
148904999                               60                                 56                         360
148905006                               60                                 55                         360
148905009                               60                                 55                         360
148905019                                0                                  0                         360
148905020                                0                                  0                         360
148905021                                0                                  0                         360
148905023                               60                                 55                         360
148905027                               60                                 55                         360
148905028                                0                                  0                         180
148905031                                0                                  0                         360
148905037                                0                                  0                         360
148905038                               60                                 55                         360
148905042                                0                                  0                         360
148905044                                0                                  0                         180
148905045                               60                                 55                         360
148905048                                0                                  0                         240
148905052                                0                                  0                         360
148905053                               60                                 55                         360
148905055                                0                                  0                         360
148905060                               60                                 55                         360
148905061                                0                                  0                         240
148905062                                0                                  0                         240
148905064                               60                                 57                         360
148905066                                0                                  0                         360
148905067                                0                                  0                         360
148905069                                0                                  0                         180
148905070                                0                                  0                         240
148905071                                0                                  0                         360
148905073                                0                                  0                         360
148905074                                0                                  0                         360
148905076                                0                                  0                         240
148905077                                0                                  0                         360
148905078                                0                                  0                         360
148905083                                0                                  0                         360
148905085                                0                                  0                         360
148905088                               60                                 55                         360
148905089                                0                                  0                         360
148905092                               60                                 56                         360
148905093                                0                                  0                         240
148905095                                0                                  0                         360
148905100                                0                                  0                         360
148905102                                0                                  0                         360
148905106                               60                                 55                         360
148905108                                0                                  0                         360
148905111                                0                                  0                         360
148905113                               60                                 56                         360
148905114                               60                                 56                         360
148905116                                0                                  0                         180
148905117                                0                                  0                         180
148905122                               60                                 55                         360
148905124                                0                                  0                         180
148905125                                0                                  0                         180
148905126                               60                                 55                         360
148905127                                0                                  0                         180
148905128                                0                                  0                         180
148905129                                0                                  0                         180
148905131                                0                                  0                         360
148905135                                0                                  0                         360
148905140                                0                                  0                         180
148905141                                0                                  0                         360
148905142                               60                                 55                         360
148905147                                0                                  0                         180
148905148                                0                                  0                         180
148905149                                0                                  0                         180
148905153                               60                                 55                         360
148905154                                0                                  0                         360
148905155                               60                                 56                         360
148905156                               60                                 55                         360
148905158                               60                                 56                         360
148905159                                0                                  0                         180
148905160                                0                                  0                         180
148905161                                0                                  0                         360
148905163                                0                                  0                         360
148905166                                0                                  0                         180
148905167                                0                                  0                         360
148905168                                0                                  0                         360
148905171                                0                                  0                         360
148905176                                0                                  0                         180
148905177                               60                                 56                         360
148905178                                0                                  0                         240
148905179                               60                                 55                         360
148905180                                0                                  0                         180
148905181                                0                                  0                         180
148905183                                0                                  0                         240
148905184                               60                                 56                         360
148905185                                0                                  0                         180
148905186                                0                                  0                         240
148905188                                0                                  0                         240
148905189                                0                                  0                         180
148905191                                0                                  0                         180
148905194                                0                                  0                         180
148905196                               60                                 57                         360
148905197                                0                                  0                         180
148905199                                0                                  0                         180
148905201                                0                                  0                         180
148905207                                0                                  0                         180
148905209                                0                                  0                         360
148905214                                0                                  0                         240
148905216                                0                                  0                         360
148905217                                0                                  0                         240
148905224                                0                                  0                         180
148905225                                0                                  0                         360
148905226                                0                                  0                         360
148905227                                0                                  0                         360
148905228                                0                                  0                         360
148905230                                0                                  0                         180
148905231                                0                                  0                         360
148905233                                0                                  0                         360
148905237                                0                                  0                         240
148905238                                0                                  0                         360
148905239                               60                                 57                         360
148905240                                0                                  0                         240
148905242                               60                                 56                         360
148905244                                0                                  0                         180
148905255                               60                                 56                         360
148905257                               60                                 56                         360
148905259                               60                                 56                         360
148905260                                0                                  0                         360
148905262                               60                                 56                         360
148905265                                0                                  0                         360
148905267                                0                                  0                         360
148905269                               60                                 56                         360
148905272                                0                                  0                         180
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291100444                                0                                  0                         360
291300090                                0                                  0                         360

Loan Number                 Remaining Term                  LTV                 Note Rate               First Pay Date
----------------------------------------------------------------------------------------------------------------------------
148902757                                      344                  90                     7.99                    8/1/2004
148903494                                      169                 100                     8.99                    1/1/2005
148903544                                      355                  80                     6.75                    7/1/2005
148903593                                      350                  80                     7.05                    2/1/2005
148903683                                      350                  80                     6.19                    2/1/2005
148903848                                      351                  90                      7.1                    3/1/2005
148903879                                      171                 100                     9.99                    3/1/2005
148903910                                      356                  80                     6.65                    8/1/2005
148903977                                      356                  90                     7.24                    8/1/2005
148904068                                      353                  80                     5.75                    5/1/2005
148904107                                      357                  90                      6.4                    9/1/2005
148904181                                      357                  80                      6.5                    9/1/2005
148904192                                      356                  80                     6.75                    8/1/2005
148904196                                      358                  80                        7                   10/1/2005
148904235                                      358                  80                      6.5                   10/1/2005
148904239                                      352                  80                      6.3                    4/1/2005
148904291                                      357                  80                      6.6                    9/1/2005
148904442                                      356                  80                      5.8                    8/1/2005
148904451                                      356               74.64                      9.7                    8/1/2005
148904499                                      233                 100                      9.5                    5/1/2005
148904533                                      353               90.16                      7.6                    5/1/2005
148904537                                      355                  95                      8.3                    7/1/2005
148904540                                      356                  80                     6.75                    8/1/2005
148904543                                      353                  80                     6.95                    5/1/2005
148904664                                      355                  90                      6.3                    7/1/2005
148904698                                      356                  80                     6.81                    8/1/2005
148904705                                      355                  80                      5.9                    7/1/2005
148904761                                      356                  80                      6.8                    8/1/2005
148904781                                      355                  80                     5.85                    7/1/2005
148904799                                      354                  80                     7.05                    6/1/2005
148904810                                      355                  90                      8.9                    7/1/2005
148904845                                      355                  80                      6.4                    7/1/2005
148904859                                      356                  80                     6.05                    8/1/2005
148904867                                      356                  90                     7.96                    8/1/2005
148904868                                      356                  90                     7.15                    8/1/2005
148904880                                      357                  95                      7.4                    9/1/2005
148904888                                      355                  90                     7.35                    7/1/2005
148904894                                      355                  90                     6.38                    7/1/2005
148904949                                      357                  90                     7.35                    9/1/2005
148904955                                      355                  80                      6.3                    7/1/2005
148904957                                      355                  80                    6.125                    7/1/2005
148904964                                      356                  90                      7.1                    8/1/2005
148904975                                      355                  80                      6.7                    7/1/2005
148904992                                      355                  80                      7.4                    7/1/2005
148904999                                      356                  90                     6.56                    8/1/2005
148905006                                      355               89.27                     6.65                    7/1/2005
148905009                                      355                  90                     7.13                    7/1/2005
148905019                                      355                  90                     7.55                    7/1/2005
148905020                                      355                  85                      8.5                    7/1/2005
148905021                                      355                  80                        7                    7/1/2005
148905023                                      355                  90                     5.75                    7/1/2005
148905027                                      355                  80                      6.1                    7/1/2005
148905028                                      175                 100                     9.75                    7/1/2005
148905031                                      355                  90                     6.55                    7/1/2005
148905037                                      355                  90                      7.9                    7/1/2005
148905038                                      355                  90                     5.89                    7/1/2005
148905042                                      355                  80                      7.6                    7/1/2005
148905044                                      175                 100                     9.99                    7/1/2005
148905045                                      355                  80                     6.45                    7/1/2005
148905048                                      235                 100                     10.2                    7/1/2005
148905052                                      355                  90                     8.24                    7/1/2005
148905053                                      355                  90                      6.3                    7/1/2005
148905055                                      355                  80                     7.05                    7/1/2005
148905060                                      355                  90                     7.15                    7/1/2005
148905061                                      235                 100                     11.4                    7/1/2005
148905062                                      235                  95                     9.75                    7/1/2005
148905064                                      357                  80                     5.85                    9/1/2005
148905066                                      355                  80                      7.7                    7/1/2005
148905067                                      355                  80                      6.5                    7/1/2005
148905069                                      175                 100                     9.75                    7/1/2005
148905070                                      235                 100                    10.28                    7/1/2005
148905071                                      356                  90                     6.25                    8/1/2005
148905073                                      355                  80                      7.1                    7/1/2005
148905074                                      356               79.61                     7.85                    8/1/2005
148905076                                      235                 100                     9.35                    7/1/2005
148905077                                      355                  80                      7.9                    7/1/2005
148905078                                      355                  90                      7.3                    7/1/2005
148905083                                      355                  90                     7.75                    7/1/2005
148905085                                      355                  80                      6.7                    7/1/2005
148905088                                      355                  80                        5                    7/1/2005
148905089                                      355                  90                      7.6                    7/1/2005
148905092                                      356                  80                     6.45                    8/1/2005
148905093                                      235                 100                    12.85                    7/1/2005
148905095                                      355                  90                     7.65                    7/1/2005
148905100                                      355                  90                      7.3                    7/1/2005
148905102                                      355                  80                        8                    7/1/2005
148905106                                      355                  80                     6.54                    7/1/2005
148905108                                      355                  80                      7.8                    7/1/2005
148905111                                      355                  80                     8.53                    7/1/2005
148905113                                      356                  90                      6.6                    8/1/2005
148905114                                      356                  90                     5.95                    8/1/2005
148905116                                      175                 100                    10.45                    7/1/2005
148905117                                      175                 100                     10.2                    7/1/2005
148905122                                      355                  80                     7.08                    7/1/2005
148905124                                      175                 100                    10.75                    7/1/2005
148905125                                      175                 100                      9.5                    7/1/2005
148905126                                      355                  80                     6.14                    7/1/2005
148905127                                      175                 100                      9.5                    7/1/2005
148905128                                      175                 100                     11.7                    7/1/2005
148905129                                      175                 100                    10.75                    7/1/2005
148905131                                      355                  80                        7                    7/1/2005
148905135                                      355                  80                      6.5                    7/1/2005
148905140                                      175                 100                     9.75                    7/1/2005
148905141                                      356                  90                     7.57                    8/1/2005
148905142                                      355                  80                     6.26                    7/1/2005
148905147                                      175                97.7                     10.6                    7/1/2005
148905148                                      175                 100                    11.55                    7/1/2005
148905149                                      175                 100                     11.5                    7/1/2005
148905153                                      355                  90                     7.85                    7/1/2005
148905154                                      355                  80                     6.75                    7/1/2005
148905155                                      356                  80                     7.21                    8/1/2005
148905156                                      355                  80                     5.75                    7/1/2005
148905158                                      356                  80                     7.38                    8/1/2005
148905159                                      175                 100                     10.7                    7/1/2005
148905160                                      175                 100                     10.8                    7/1/2005
148905161                                      356                  90                      6.5                    8/1/2005
148905163                                      355                  90                     7.85                    7/1/2005
148905166                                      175                 100                    11.99                    7/1/2005
148905167                                      355                  90                     8.35                    7/1/2005
148905168                                      356                  80                        7                    8/1/2005
148905171                                      356                  90                     6.95                    8/1/2005
148905176                                      175                 100                     10.7                    7/1/2005
148905177                                      356                  90                     7.21                    8/1/2005
148905178                                      235                 100                    10.99                    7/1/2005
148905179                                      355                  90                      6.8                    7/1/2005
148905180                                      176                 100                      9.4                    8/1/2005
148905181                                      175                 100                      9.5                    7/1/2005
148905183                                      235                 100                    10.35                    7/1/2005
148905184                                      356                  90                      7.1                    8/1/2005
148905185                                      175                 100                    11.15                    7/1/2005
148905186                                      235                 100                    11.15                    7/1/2005
148905188                                      235                 100                    10.65                    7/1/2005
148905189                                      175                 100                     9.55                    7/1/2005
148905191                                      175               99.96                     10.4                    7/1/2005
148905194                                      175                 100                     11.7                    7/1/2005
148905196                                      357                  90                      6.2                    9/1/2005
148905197                                      175                 100                    11.15                    7/1/2005
148905199                                      175                 100                     10.4                    7/1/2005
148905201                                      175                 100                       11                    7/1/2005
148905207                                      175                 100                      9.9                    7/1/2005
148905209                                      356                  90                     7.25                    8/1/2005
148905214                                      236                 100                    11.49                    8/1/2005
148905216                                      356                  80                     6.86                    8/1/2005
148905217                                      235                 100                    10.25                    7/1/2005
148905224                                      176                 100                     9.25                    8/1/2005
148905225                                      356                  90                     7.35                    8/1/2005
148905226                                      356                  80                     7.24                    8/1/2005
148905227                                      356               79.98                        7                    8/1/2005
148905228                                      356               89.27                     6.99                    8/1/2005
148905230                                      176                 100                     9.45                    8/1/2005
148905231                                      356                  95                        7                    8/1/2005
148905233                                      356                  90                     6.45                    8/1/2005
148905237                                      236                 100                     10.5                    8/1/2005
148905238                                      357                  80                      7.2                    9/1/2005
148905239                                      357                  80                        7                    9/1/2005
148905240                                      236               99.73                     10.9                    8/1/2005
148905242                                      356                  80                     6.65                    8/1/2005
148905244                                      176                 100                     10.5                    8/1/2005
148905255                                      356                  90                     8.05                    8/1/2005
148905257                                      356                  80                      6.8                    8/1/2005
148905259                                      356               89.82                     8.75                    8/1/2005
148905260                                      356                  90                     7.55                    8/1/2005
148905262                                      356                  80                      6.7                    8/1/2005
148905265                                      356                  80                      7.3                    8/1/2005
148905267                                      356                  80                     7.24                    8/1/2005
148905269                                      356                  90                      6.9                    8/1/2005
148905272                                      176                 100                    10.75                    8/1/2005
148905273                                      176                 100                     10.3                    8/1/2005
148905274                                      176                 100                     9.95                    8/1/2005
148905285                                      356                  90                     6.54                    8/1/2005
148905287                                      236                  95                      9.4                    8/1/2005
148905289                                      236                 100                     10.6                    8/1/2005
148905291                                      176                 100                    10.25                    8/1/2005
148905292                                      356               75.97                      6.9                    8/1/2005
148905293                                      236                 100                     9.99                    8/1/2005
148905294                                      176                  95                    10.55                    8/1/2005
148905295                                      236                 100                     9.99                    8/1/2005
148905300                                      356                  90                     7.35                    8/1/2005
148905304                                      236                 100                       10                    8/1/2005
148905305                                      236                 100                     11.5                    8/1/2005
148905306                                      176                 100                     9.45                    8/1/2005
148905307                                      176                 100                      9.8                    8/1/2005
148905309                                      356                  80                      7.6                    8/1/2005
148905310                                      356                  80                     7.97                    8/1/2005
148905314                                      356                  90                        8                    8/1/2005
148905317                                      356                  90                     7.85                    8/1/2005
148905319                                      356                  90                     7.21                    8/1/2005
148905320                                      176                 100                      9.5                    8/1/2005
148905321                                      356                  90                     7.13                    8/1/2005
148905324                                      236                 100                    11.35                    8/1/2005
148905328                                      176                 100                     9.99                    8/1/2005
148905330                                      356                  90                      6.3                    8/1/2005
148905331                                      176                 100                     11.3                    8/1/2005
148905332                                      356                  80                        7                    8/1/2005
148905335                                      356                  90                     6.15                    8/1/2005
148905339                                      357                  80                     7.25                    9/1/2005
148905340                                      357                  80                        8                    9/1/2005
148905343                                      356                  80                      7.1                    8/1/2005
148905348                                      356                  90                     7.25                    8/1/2005
148905352                                      358                  90                     6.35                   10/1/2005
148905355                                      176                 100                     11.5                    8/1/2005
148905357                                      236                 100                     11.4                    8/1/2005
148905358                                      176                 100                     10.9                    8/1/2005
148905361                                      356                  90                     7.47                    8/1/2005
148905362                                      356                  80                     7.15                    8/1/2005
148905364                                      356                  80                     7.05                    8/1/2005
148905365                                      356                  90                     5.75                    8/1/2005
148905366                                      356                  90                      6.5                    8/1/2005
148905368                                      176                 100                    11.95                    8/1/2005
148905375                                      357                 100                      8.8                    9/1/2005
148905376                                      176                 100                     9.35                    8/1/2005
148905377                                      356                  90                     6.85                    8/1/2005
148905379                                      357                  80                      6.6                    9/1/2005
148905387                                      356                  90                     8.55                    8/1/2005
148905389                                      236               99.97                     9.75                    8/1/2005
148905391                                      357                  80                      8.2                    9/1/2005
148905398                                      236                 100                     10.5                    8/1/2005
148905401                                      176                 100                     9.99                    8/1/2005
148905404                                      357                  80                      7.2                    9/1/2005
148905405                                      176                 100                    10.25                    8/1/2005
148905406                                      356                  80                     6.55                    8/1/2005
148905407                                      236                 100                    10.99                    8/1/2005
148905414                                      357                  80                      6.4                    9/1/2005
148905416                                      236                 100                     10.9                    8/1/2005
148905417                                      236                 100                    10.65                    8/1/2005
148905420                                      356               54.33                      7.2                    8/1/2005
148905424                                      176                 100                    10.99                    8/1/2005
148905429                                      357                  90                      6.4                    9/1/2005
148905433                                      357                  90                     8.55                    9/1/2005
148905437                                      357                  90                      6.8                    9/1/2005
148905438                                      176                  95                     10.5                    8/1/2005
148905449                                      236                 100                     11.5                    8/1/2005
148905451                                      237                 100                     9.99                    9/1/2005
148905452                                      356                  80                     6.29                    8/1/2005
148905453                                      357                  90                      6.4                    9/1/2005
148905458                                      357                  90                     7.25                    9/1/2005
148905465                                      237                 100                     10.7                    9/1/2005
148905469                                      177                 100                    10.65                    9/1/2005
148905472                                      357                  80                     7.85                    9/1/2005
148905474                                      237                 100                     11.3                    9/1/2005
148905475                                      358                  90                        7                   10/1/2005
148905479                                      357               89.91                     7.45                    9/1/2005
148905488                                      357                  80                      6.7                    9/1/2005
148905489                                      357                  80                     6.54                    9/1/2005
148905490                                      357                  90                     8.39                    9/1/2005
148905492                                      357                  80                     6.32                    9/1/2005
148905493                                      357                  80                      7.3                    9/1/2005
148905496                                      357                  90                      6.1                    9/1/2005
148905500                                      177                 100                    10.99                    9/1/2005
148905501                                      357                  80                     7.45                    9/1/2005
148905503                                      357                  80                      7.2                    9/1/2005
148905504                                      177                 100                    11.95                    9/1/2005
148905506                                      357                  90                     8.45                    9/1/2005
148905511                                      357                  90                     6.85                    9/1/2005
148905515                                      357                  80                      7.4                    9/1/2005
148905516                                      357                  90                     7.95                    9/1/2005
148905517                                      357                  90                      6.8                    9/1/2005
148905518                                      358                  90                     7.75                   10/1/2005
148905521                                      237                 100                      9.9                    9/1/2005
148905523                                      237                 100                      9.5                    9/1/2005
148905525                                      177                 100                     9.25                    9/1/2005
148905527                                      358                  90                        7                   10/1/2005
148905530                                      357                  90                     7.41                    9/1/2005
148905531                                      357                  85                      6.7                    9/1/2005
148905538                                      357                  90                     7.55                    9/1/2005
148905540                                      357                  90                     5.65                    9/1/2005
148905541                                      358                  80                     6.85                   10/1/2005
148905547                                      357                  90                     7.75                    9/1/2005
148905548                                      358                89.8                     7.75                   10/1/2005
148905550                                      357                  80                        7                    9/1/2005
148905552                                      358                  80                        7                   10/1/2005
148905561                                      357                  90                      7.1                    9/1/2005
148905563                                      357               89.97                      8.5                    9/1/2005
148905568                                      357                  90                      7.5                    9/1/2005
148905571                                      357                  90                     7.75                    9/1/2005
148905591                                      357                  80                      6.7                    9/1/2005
148905596                                      357                  90                      8.1                    9/1/2005
148905598                                      358                  80                      6.9                   10/1/2005
148905599                                      358                  80                      6.1                   10/1/2005
148905602                                      358                  90                     5.95                   10/1/2005
148905605                                      358                  80                     6.75                   10/1/2005
148905609                                      358                  80                      4.9                   10/1/2005
148905610                                      358                  90                     6.87                   10/1/2005
148905613                                      358                  80                     6.25                   10/1/2005
148905623                                      358                  80                     7.39                   10/1/2005
148905629                                      358                  90                     6.35                   10/1/2005
148905640                                      358                  80                     7.09                   10/1/2005
148905641                                      358                  90                      5.9                   10/1/2005
148905642                                      358                  90                     7.35                   10/1/2005
148905645                                      358                  90                      7.4                   10/1/2005
148905651                                      358                  90                     7.13                   10/1/2005
148905652                                      358                  90                      8.4                   10/1/2005
148905654                                      358                  80                     7.55                   10/1/2005
148905656                                      358                  80                      6.5                   10/1/2005
148905659                                      358                  80                     5.75                   10/1/2005
148905666                                      358                  80                     7.55                   10/1/2005
148905669                                      358                  90                     7.15                   10/1/2005
148905678                                      358                  80                     7.05                   10/1/2005
148905685                                      359                  90                      5.4                   11/1/2005
148905695                                      358                  80                     6.35                   10/1/2005
148905713                                      358                  90                     6.72                   10/1/2005
148905715                                      358                  80                     6.15                   10/1/2005
148905719                                      358                  80                     9.55                   10/1/2005
148905720                                      358                  80                     6.62                   10/1/2005
148905723                                      358                  90                      6.5                   10/1/2005
148905733                                      358                  80                      6.9                   10/1/2005
148905737                                      358                  90                        7                   10/1/2005
148905739                                      358                  80                      5.4                   10/1/2005
148905745                                      358                  90                      5.6                   10/1/2005
148905767                                      359                  90                      8.3                   11/1/2005
148905772                                      358                  80                     6.85                   10/1/2005
148905783                                      358                  90                     6.75                   10/1/2005
148905851                                      179                 100                      9.5                   11/1/2005
148905862                                      359                 100                     8.99                   11/1/2005
148905863                                      179                 100                    10.35                   11/1/2005
148905875                                      359                 100                     10.7                   11/1/2005
148905883                                      359                 100                     9.45                   11/1/2005
148905901                                      359                 100                    10.45                   11/1/2005
148905921                                      359                 100                     11.8                   11/1/2005
186300001                                      355                  80                      7.1                    7/1/2005
186300003                                      356                  80                      6.4                    8/1/2005
186300008                                      355               80.47                     6.05                    7/1/2005
186300011                                      357                  80                      6.7                    9/1/2005
186300019                                      355                  80                     6.45                    7/1/2005
186300024                                      355                  80                      6.4                    7/1/2005
186300031                                      355                  80                     6.55                    7/1/2005
186300038                                      355                  90                     6.05                    7/1/2005
186300039                                      355                  90                     6.75                    7/1/2005
186300042                                      175                 100                     10.5                    7/1/2005
186300047                                      358                  90                    5.675                   10/1/2005
186300048                                      355                  80                      6.7                    7/1/2005
186300051                                      355                  80                     6.49                    7/1/2005
186300055                                      355                  80                      6.6                    7/1/2005
186300057                                      355                  80                     5.75                    7/1/2005
186300064                                      175                 100                     9.75                    7/1/2005
186300065                                      355                  80                     8.22                    7/1/2005
186300067                                      355                  80                      6.9                    7/1/2005
186300069                                      355                  80                     6.75                    7/1/2005
186300071                                      356                  80                    6.875                    8/1/2005
186300074                                      175               90.53                     8.99                    7/1/2005
186300075                                      355                  80                     6.07                    7/1/2005
186300076                                      355                  80                      6.7                    7/1/2005
186300079                                      175                 100                     9.49                    7/1/2005
186300080                                      175                 100                     8.99                    7/1/2005
186300086                                      175                 100                     9.99                    7/1/2005
186300087                                      356                  80                     6.15                    8/1/2005
186300088                                      355                  80                     6.74                    7/1/2005
186300092                                      175                 100                     9.99                    7/1/2005
186300093                                      175                 100                    10.25                    7/1/2005
186300096                                      357                  80                      7.1                    9/1/2005
186300099                                      175                 100                     9.99                    7/1/2005
186300101                                      175                 100                     9.99                    7/1/2005
186300105                                      175                 100                     9.25                    7/1/2005
186300107                                      355                  80                     6.25                    7/1/2005
186300108                                      175                 100                     9.99                    7/1/2005
186300109                                      175                 100                     9.99                    7/1/2005
186300111                                      175                 100                     9.99                    7/1/2005
186300113                                      175                99.8                     10.5                    7/1/2005
186300114                                      356                  80                      6.6                    8/1/2005
186300115                                      176                  95                    10.99                    8/1/2005
186300116                                      355                  80                      6.5                    7/1/2005
186300119                                      355                  90                        6                    7/1/2005
186300120                                      356               67.34                      6.3                    8/1/2005
186300121                                      355                  80                     6.75                    7/1/2005
186300122                                      356                  80                      6.5                    8/1/2005
186300124                                      175                 100                     9.99                    7/1/2005
186300126                                      357                  80                      6.4                    9/1/2005
186300128                                      175                 100                     9.99                    7/1/2005
186300129                                      356                  90                     6.15                    8/1/2005
186300137                                      356                  80                     6.75                    8/1/2005
186300139                                      355                  90                     5.85                    7/1/2005
186300140                                      356                  90                      7.8                    8/1/2005
186300142                                      175                 100                       10                    7/1/2005
186300146                                      175                 100                     10.5                    7/1/2005
186300148                                      236                 100                     9.99                    8/1/2005
186300150                                      175                 100                      9.5                    7/1/2005
186300157                                      356                  90                      6.4                    8/1/2005
186300159                                      356                  80                      7.4                    8/1/2005
186300160                                      356                  80                      6.8                    8/1/2005
186300161                                      356                  80                      6.7                    8/1/2005
186300163                                      356                  80                      6.7                    8/1/2005
186300164                                      356                  80                     6.75                    8/1/2005
186300167                                      356                  80                     6.05                    8/1/2005
186300168                                      356                  80                     6.35                    8/1/2005
186300175                                      356                  90                      8.8                    8/1/2005
186300182                                      176                 100                    10.99                    8/1/2005
186300184                                      357                  80                      6.1                    9/1/2005
186300186                                      176                 100                    10.55                    8/1/2005
186300190                                      356                  90                      7.2                    8/1/2005
186300191                                      356                  80                      6.2                    8/1/2005
186300192                                      176                 100                    10.99                    8/1/2005
186300193                                      358                  90                     7.75                   10/1/2005
186300195                                      176                 100                     9.99                    8/1/2005
186300196                                      357                  80                     6.65                    9/1/2005
186300197                                      176                 100                    10.75                    8/1/2005
186300200                                      176                 100                    11.99                    8/1/2005
186300203                                      176                 100                    10.55                    8/1/2005
186300206                                      356                  80                      6.3                    8/1/2005
186300208                                      356                  90                      6.7                    8/1/2005
186300213                                      176                 100                     9.99                    8/1/2005
186300214                                      176                  90                     9.99                    8/1/2005
186300215                                      236                 100                    10.99                    8/1/2005
186300216                                      357                  80                      6.6                    9/1/2005
186300223                                      176                 100                    11.25                    8/1/2005
186300225                                      357                  80                      6.5                    9/1/2005
186300226                                      176                 100                    10.99                    8/1/2005
186300234                                      176                 100                    10.25                    8/1/2005
186300235                                      357                  80                     6.75                    9/1/2005
186300236                                      358                  80                     6.85                   10/1/2005
186300247                                      176                 100                    11.25                    8/1/2005
186300253                                      356                  80                     6.95                    8/1/2005
186300255                                      176                 100                     9.25                    8/1/2005
186300256                                      176                  95                     9.99                    8/1/2005
186300261                                      356                  90                      6.9                    8/1/2005
186300262                                      357                  80                     5.95                    9/1/2005
186300263                                      357                  80                      6.5                    9/1/2005
186300264                                      356                  80                     6.85                    8/1/2005
186300265                                      357                  80                      6.7                    9/1/2005
186300266                                      176                 100                     9.49                    8/1/2005
186300267                                      356                  80                     5.75                    8/1/2005
186300269                                      176                 100                      9.5                    8/1/2005
186300273                                      357                  80                     6.99                    9/1/2005
186300276                                      176                 100                     8.25                    8/1/2005
186300278                                      176                 100                    10.99                    8/1/2005
186300279                                      177                 100                     9.99                    9/1/2005
186300280                                      357                  80                     6.25                    9/1/2005
186300281                                      357                  80                      6.7                    9/1/2005
186300283                                      176                 100                    11.79                    8/1/2005
186300284                                      177                  90                     9.25                    9/1/2005
186300287                                      358                  80                     6.25                   10/1/2005
186300294                                      357                  90                        7                    9/1/2005
186300295                                      357                  80                     5.65                    9/1/2005
186300296                                      357                  80                     7.05                    9/1/2005
186300299                                      357                  80                     6.54                    9/1/2005
186300302                                      358                  80                      6.5                   10/1/2005
186300303                                      177                 100                     9.99                    9/1/2005
186300311                                      177                 100                    10.25                    9/1/2005
186300313                                      357                  80                     6.25                    9/1/2005
186300319                                      357                  80                     5.47                    9/1/2005
186300322                                      357                  80                     6.95                    9/1/2005
186300325                                      357                  80                     5.75                    9/1/2005
186300327                                      357                  80                     6.95                    9/1/2005
186300329                                      177                 100                     9.99                    9/1/2005
186300330                                      357                  80                     5.75                    9/1/2005
186300334                                      177                 100                     10.5                    9/1/2005
186300335                                      358                  80                      6.5                   10/1/2005
186300336                                      357                  80                      6.7                    9/1/2005
186300343                                      358                  85                     5.75                   10/1/2005
186300352                                      357                  80                      6.5                    9/1/2005
186300354                                      357                  80                     5.55                    9/1/2005
186300357                                      358               77.66                      6.3                   10/1/2005
186300361                                      177                 100                     8.99                    9/1/2005
186300363                                      357                  80                     6.75                    9/1/2005
186300369                                      358                  80                      6.5                   10/1/2005
186300376                                      358                  80                      6.5                   10/1/2005
186300377                                      357                  80                      6.3                    9/1/2005
186300380                                      357                  80                      7.2                    9/1/2005
186300388                                      357                  80                      6.3                    9/1/2005
186300411                                      358                  80                     7.05                   10/1/2005
186300420                                      358                  80                     6.65                   10/1/2005
186300422                                      358                  80                      6.5                   10/1/2005
186300424                                      358                  80                     5.95                   10/1/2005
186300425                                      358                  80                      6.6                   10/1/2005
186300431                                      358                  80                     6.12                   10/1/2005
186300444                                      358                  80                      6.3                   10/1/2005
186300455                                      358                  80                     5.85                   10/1/2005
186300467                                      358                  90                     7.79                   10/1/2005
186300469                                      358                  80                        7                   10/1/2005
186300470                                      358                  80                      6.5                   10/1/2005
186300475                                      358                  80                     7.45                   10/1/2005
186300481                                      358                  80                      6.2                   10/1/2005
186300495                                      358                  80                     6.25                   10/1/2005
186300496                                      358                  80                     6.54                   10/1/2005
186300508                                      358                  80                      6.6                   10/1/2005
186300512                                      358                  80                      6.5                   10/1/2005
186300534                                      358                  80                     6.65                   10/1/2005
186300581                                      179                 100                    10.15                   11/1/2005
186500001                                      355                  90                     6.91                    7/1/2005
186500002                                      355                  80                      6.7                    7/1/2005
186500003                                      355                  80                      6.5                    7/1/2005
186500006                                      356                  80                     6.95                    8/1/2005
186500007                                      355                  80                      7.2                    7/1/2005
186500008                                      355                  80                     6.25                    7/1/2005
186500010                                      235                 100                    10.25                    7/1/2005
186500011                                      356                  90                     8.19                    8/1/2005
186500012                                      355                  90                      7.3                    7/1/2005
186500013                                      355                  95                     8.85                    7/1/2005
186500015                                      235                 100                      9.7                    7/1/2005
186500016                                      235                 100                      9.7                    7/1/2005
186500020                                      355                  80                     6.95                    7/1/2005
186500026                                      355                  80                     6.95                    7/1/2005
186500027                                      356               90.49                     6.65                    8/1/2005
186500034                                      356                  80                      6.5                    8/1/2005
186500038                                      356                  80                     7.05                    8/1/2005
186500040                                      356                  90                      8.8                    8/1/2005
186500043                                      356                  80                      6.9                    8/1/2005
186500045                                      236                 100                    11.15                    8/1/2005
186500046                                      356                  80                      6.3                    8/1/2005
186500048                                      236                 100                     12.6                    8/1/2005
186500049                                      236                 100                     9.99                    8/1/2005
186500052                                      356                  90                     6.99                    8/1/2005
186500054                                      356                  80                     6.95                    8/1/2005
186500055                                      356                  80                     6.75                    8/1/2005
186500058                                      357                  80                     6.95                    9/1/2005
186500059                                      356                  80                      6.5                    8/1/2005
186500060                                      236                 100                    10.73                    8/1/2005
186500061                                      356                  80                      5.7                    8/1/2005
186500064                                      176                 100                     9.75                    8/1/2005
186500065                                      176                 100                     9.35                    8/1/2005
186500066                                      356                  80                      6.5                    8/1/2005
186500067                                      356                  90                      5.9                    8/1/2005
186500068                                      356                  80                      6.6                    8/1/2005
186500070                                      236                 100                     9.75                    8/1/2005
186500074                                      357                  80                      6.5                    9/1/2005
186500077                                      357                  80                      6.5                    9/1/2005
186500078                                      177                 100                     9.85                    9/1/2005
186500082                                      357                  90                      8.2                    9/1/2005
186500085                                      177                 100                      9.5                    9/1/2005
186500088                                      357                  90                     8.05                    9/1/2005
186500094                                      357                  90                     7.55                    9/1/2005
186500098                                      357                  80                     6.95                    9/1/2005
186500099                                      237                 100                     10.7                    9/1/2005
186500103                                      357                  80                      7.5                    9/1/2005
186500107                                      358                  80                     7.59                   10/1/2005
186500108                                      357                  90                      7.8                    9/1/2005
186500111                                      237                 100                    10.99                    9/1/2005
186500113                                      357                  90                      7.1                    9/1/2005
186500115                                      357                  80                     6.95                    9/1/2005
186500121                                      358                  85                     6.85                   10/1/2005
186500123                                      358                  80                     6.95                   10/1/2005
186500124                                      357               82.72                     7.75                    9/1/2005
186500127                                      358                  80                     6.25                   10/1/2005
186500130                                      357                  80                     7.95                    9/1/2005
186500138                                      357                  80                     6.95                    9/1/2005
186500140                                      357                  80                     6.25                    9/1/2005
186500158                                      358                  90                     6.95                   10/1/2005
186500159                                      358                  80                        8                   10/1/2005
186500162                                      358                  90                     6.55                   10/1/2005
186500166                                      358                  90                     6.85                   10/1/2005
186500167                                      358                  80                        7                   10/1/2005
186500169                                      358                  80                     7.35                   10/1/2005
186500176                                      358                  90                      7.3                   10/1/2005
186500178                                      358                  90                     6.35                   10/1/2005
186500180                                      358                  80                     7.25                   10/1/2005
186500181                                      358                  80                     6.95                   10/1/2005
186500182                                      358                  90                     7.55                   10/1/2005
186500186                                      358                  80                     5.65                   10/1/2005
186500193                                      358                  80                     6.85                   10/1/2005
186500200                                      358                 100                     6.99                   10/1/2005
186500204                                      358                  80                     6.38                   10/1/2005
186500205                                      358                  80                     6.35                   10/1/2005
186500220                                      358                  80                    5.875                   10/1/2005
186500248                                      359                  90                     8.85                   11/1/2005
186500251                                      359                  90                      7.2                   11/1/2005
186500261                                      359                 100                     9.99                   11/1/2005
240012605                                      355                  85                     8.99                    7/1/2005
240012631                                      355               81.42                     8.34                    7/1/2005
240012633                                      355                  90                      7.6                    7/1/2005
240012645                                      175                 100                    10.75                    7/1/2005
240012648                                      355                  80                     5.99                   6/15/2005
240012654                                      355                91.8                     5.75                    7/1/2005
240012676                                      355                  90                      8.5                   6/11/2005
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240012722                                      356                  70                      8.2                   7/15/2005
240012751                                      356               85.79                     7.55                    8/1/2005
240012798                                      357                  90                     8.25                    9/1/2005
240012800                                      357                82.9                      7.1                    9/1/2005
240012824                                      357                  80                     6.45                    9/1/2005
240012825                                      358                  80                     8.15                   9/15/2005
240012829                                      357                72.6                      7.4                    9/1/2005
240012830                                      357               88.05                      8.9                    9/1/2005
240012833                                      358                92.7                     8.74                   10/1/2005
240012836                                      357                  80                     8.74                    9/1/2005
240012843                                      358                  80                     6.15                   9/15/2005
240012846                                      358                92.6                     8.95                   10/1/2005
240012870                                      358                  80                     6.75                   10/1/2005
240012888                                      358                  80                      9.1                   10/1/2005
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240012916                                      359                 100                      9.5                   11/1/2005
240101101                                      297                  70                    13.85                    9/1/2000
240101228                                      118               69.88                       11                   10/1/2000
240215524                                      357               90.49                     8.49                    9/1/2005
240215552                                      234                 100                       14                   5/15/2005
240215564                                      235                 100                     13.9                   6/14/2005
240215630                                      355               85.49                     6.99                   6/15/2005
240215693                                      355               90.08                      7.8                   6/15/2005
240215694                                      355               54.95                      9.1                    7/1/2005
240215803                                      235               97.96                    14.07                   6/13/2005
240215836                                      355               95.49                     7.25                    7/1/2005
240215880                                      236                 100                    13.91                   7/15/2005
240215900                                      176                 100                    13.63                   7/10/2005
240215946                                      357                  80                     7.95                   8/15/2005
240215967                                      355               43.42                     7.99                    7/1/2005
240216112                                      356               80.49                     9.75                    8/1/2005
240216123                                      356               95.49                      8.4                    8/1/2005
240216125                                      357                  90                     7.65                    9/1/2005
240216204                                      237               89.62                     12.7                   8/15/2005
240216231                                      177                 100                     13.5                   8/15/2005
240216245                                      357               85.49                     8.99                    9/1/2005
240216261                                      359                62.5                      9.5                  10/15/2005
240216355                                      358               90.49                     7.75                   9/15/2005
240216373                                      357               85.49                     8.55                    9/1/2005
240216379                                      357               63.66                     6.25                    9/1/2005
240216389                                      297               80.49                      8.2                    9/1/2005
240216400                                      237               99.47                    13.71                    9/1/2005
240216427                                      357               38.61                      9.9                    9/1/2005
240216442                                      358               85.49                      9.3                   9/15/2005
240216584                                      179                89.3                     11.5                  10/15/2005
240216723                                      239                 100                    13.71                   11/1/2005
240216850                                      239                 100                    13.93                   11/1/2005
240302248                                      297                  80                     11.9                    9/1/2000
240312012                                      174               80.49                      9.1                    6/1/2005
240312469                                      356               80.49                        9                   7/10/2005
240312647                                      357                  90                     8.99                    9/1/2005
240312699                                      357                  95                        8                   8/15/2005
240312737                                      357               85.49                     7.75                    9/1/2005
240312746                                      357                  80                     7.85                    9/1/2005
240312752                                      358                  80                     6.45                   9/15/2005
240312832                                      357                  90                     8.65                    9/1/2005
240312835                                      358               73.03                     8.55                   9/15/2005
240312849                                      358               75.49                    10.65                   10/1/2005
240312871                                      358               80.49                     7.25                   9/15/2005
240312900                                      358                  95                      8.7                   9/10/2005
240312978                                      358                  80                     6.35                   10/1/2005
240401810                                      264                  75                     12.1                   12/1/1997
240401856                                      266                  80                    12.85                    2/1/1998
240502263                                       84                  80                     9.75                  11/24/1997
240502700                                      267                  90                     9.85                   2/22/1998
240517953                                      356               87.06                        9                    8/1/2005
240518056                                      355               88.84                     8.15                    7/1/2005
240518216                                      356               80.49                     7.75                   7/15/2005
240518342                                      355               53.69                     7.75                    7/1/2005
240518434                                      356               77.92                      7.4                    8/1/2005
240518675                                      357                  90                     10.5                    9/1/2005
240518700                                      357                  90                    9.645                    9/1/2005
240518701                                      237                 100                    12.99                    9/1/2005
240518756                                      358                 100                     10.7                   10/1/2005
240518922                                      358               77.84                     9.95                   10/1/2005
240600614                                      133               79.33                     12.1                  12/25/1996
240602651                                      266               70.23                     10.9                   1/20/1998
240603118                                      147                  80                    11.55                   2/27/1998
240608541                                      296                  90                       13                    8/1/2000
240608830                                      178               78.26                       12                   9/15/2000
240624227                                      355               85.49                     7.15                    7/1/2005
240624525                                      357               84.67                      8.2                   8/15/2005
240624584                                      358               85.49                    10.32                   10/1/2005
240624613                                      357                 100                        9                   8/15/2005
240624651                                      357               75.49                     6.25                    9/1/2005
240624759                                      178               70.49                      7.7                    9/2/2005
240624782                                      358                  80                      7.4                   10/1/2005
240624899                                      118               47.68                    11.35                   9/15/2005
240625046                                      358               76.92                      9.8                   10/1/2005
240801026                                       88                  85                     12.9                   3/23/1998
240806526                                      297                  85                     12.9                    9/1/2000
240907275                                      297               67.14                     11.5                   8/19/2000
240907390                                      117               86.17                     12.9                    9/1/2000
240907433                                      296               45.45                    14.99                    8/1/2000
240920596                                      233                 100                    14.75                   4/15/2005
241000872                                      264                  90                     8.65                   12/1/1997
241005795                                      176                  85                     13.6                    8/1/2000
241109315                                      115               73.84                    12.25                    7/1/2000
241109471                                      116                  70                    14.25                    8/1/2000
241109554                                      296               90.83                    12.99                   7/12/2000
241109646                                      297                76.2                    11.95                    9/1/2000
241109909                                      118               71.76                    12.65                   10/1/2000
241123788                                      358               70.49                    10.68                   9/15/2005
241123813                                      357               85.49                     9.45                    9/1/2005
241123841                                      358                  80                     7.15                   9/15/2005
241124142                                      359                 100                     12.7                   11/1/2005
241206830                                      295               78.12                     11.8                    7/1/2000
241207648                                      116               71.13                    11.99                    8/1/2000
241207835                                      177                59.4                    11.85                   8/17/2000
241208040                                      298               84.49                    12.45                   9/16/2000
241218884                                      232                 100                    10.99                    3/2/2005
241219393                                      354               75.49                     7.99                   5/15/2005
241219636                                      354               80.49                     7.75                    6/1/2005
241219683                                      355               85.49                     7.99                    7/1/2005
241219987                                      355               54.39                     7.25                    7/1/2005
241220009                                      355               75.49                     7.65                    7/1/2005
241220081                                      356               80.49                     8.59                    8/1/2005
241220109                                      236                 100                    11.99                   7/15/2005
241220236                                      357               75.49                    10.75                   8/15/2005
241220257                                      358               71.49                     9.99                   9/15/2005
241220267                                      357               85.49                     8.85                    9/1/2005
241220275                                      357               85.49                     8.99                    9/1/2005
241220284                                      357                  85                     7.99                    9/1/2005
241220308                                      237                 100                     12.5                    9/1/2005
241220356                                      357               80.49                     7.75                    9/1/2005
241220385                                      357                  80                      6.7                    9/1/2005
241220404                                      358               90.49                    11.25                   9/15/2005
241220425                                      358               85.49                     6.25                   9/15/2005
241220439                                      358                  80                      6.5                   9/15/2005
241220449                                      358               80.49                     7.99                   9/15/2005
241220541                                      358               60.49                    10.45                   9/15/2005
241220560                                      358               75.49                    10.43                   9/15/2005
241220612                                      359                  90                      8.6                  10/15/2005
241220669                                      359                 100                     12.7                   11/1/2005
241220685                                      358               75.49                       10                   10/1/2005
241301555                                      148                  70                    11.99                   3/24/1998
241306823                                       56               67.02                       12                    8/1/2000
241322445                                      355                  40                    10.55                   6/13/2005
241322513                                      355               90.49                      7.7                   6/15/2005
241322714                                      355                  95                      8.5                    7/1/2005
241322730                                      354                  80                    10.55                    6/1/2005
241322753                                      355                  90                      7.4                    7/1/2005
241322766                                      355               59.44                     7.15                    7/1/2005
241322834                                      355               85.49                     7.55                    7/1/2005
241322904                                      356                  75                      9.9                   7/15/2005
241322905                                      355                  85                     8.35                    7/1/2005
241322911                                      355                 100                     7.95                    7/1/2005
241322913                                      356                  75                      9.9                   7/15/2005
241323090                                      356               80.49                     6.75                    8/1/2005
241323115                                      356               82.64                        8                    8/1/2005
241323361                                      356               59.54                      7.5                    8/1/2005
241323367                                      358                  90                     8.49                   9/15/2005
241323396                                      358               85.49                     10.8                   9/15/2005
241323541                                      358               30.58                     9.05                   9/15/2005
241323563                                      357               70.49                     10.2                    9/1/2005
241323665                                      358               64.39                     6.25                   9/15/2005
241323719                                      359               80.49                    10.65                  10/15/2005
241323722                                      358               70.49                    10.46                   10/1/2005
241323810                                      358               85.49                        7                   9/15/2005
241323828                                      358               77.36                     7.05                   9/15/2005
241323862                                      358                  90                     7.75                   10/1/2005
241323879                                      358               85.49                     7.25                   9/15/2005
241323925                                      358               34.29                     8.05                   10/1/2005
241323927                                      358               80.49                     7.65                   9/15/2005
241323943                                      358                  85                      7.1                   9/15/2005
241323968                                      358               89.63                     7.35                   10/1/2005
241324046                                      358               80.49                     6.25                   10/1/2005
241324277                                      179                 100                    13.31                  10/14/2005
241400669                                      265                  75                    11.35                    1/1/1998
241401285                                      148                  65                     12.5                    3/9/1998
241418722                                      356                  95                      7.3                    8/1/2005
241418767                                      356               62.07                     8.99                    8/1/2005
241418782                                      356                87.5                     8.05                    8/1/2005
241418942                                      177                 100                    13.43                   8/18/2005
241419244                                      358               80.49                      9.7                   10/1/2005
241419303                                      359               70.49                     9.55                  10/15/2005
241419313                                      358                  80                      7.6                   9/15/2005
241419397                                      358               60.49                     7.99                   10/1/2005
241503548                                      295               91.37                     11.5                    7/1/2000
241503568                                      295               73.46                    11.99                    7/1/2000
241503878                                      297               85.67                    11.99                    9/1/2000
241503890                                      296               88.12                     10.5                    8/1/2000
241503901                                      296               82.81                       13                    8/1/2000
241503977                                      296               86.48                     11.9                    8/1/2000
241504183                                      298               80.71                    11.99                   9/15/2000
241504254                                      298               90.53                    12.49                   9/14/2000
241515750                                      351               65.49                     7.25                    3/1/2005
241516289                                      173                 100                     9.75                   4/15/2005
241516497                                      235                 100                     13.1                    6/9/2005
241516551                                      355               85.49                     9.15                    7/1/2005
241516780                                      175                 100                    12.25                   6/17/2005
241516808                                      355               90.49                     7.99                    7/1/2005
241516845                                      177                 100                    12.38                    8/6/2005
241516859                                      355                  80                     7.65                    7/1/2005
241516865                                      175                 100                    12.99                    7/1/2005
241516890                                      355               90.49                      7.8                    7/1/2005
241516965                                      356                  80                     7.25                   7/15/2005
241517034                                      176                 100                    12.99                   7/15/2005
241517088                                      356                  80                     7.75                    8/1/2005
241517092                                      236                 100                    12.85                    8/1/2005
241517189                                      357                  80                     7.49                   8/15/2005
241517254                                      357                  90                     6.99                    9/1/2005
241517258                                      177               95.49                    12.55                    8/7/2005
241517277                                      358               90.49                     9.15                   9/15/2005
241517418                                      357                  85                      8.7                    9/1/2005
241517431                                      178               85.49                     8.75                    9/3/2005
241517453                                      178                  70                      9.9                    9/9/2005
241517485                                      178               65.49                      7.8                   10/1/2005
241517606                                      359               46.15                    10.61                  10/15/2005
241517693                                      359               55.49                       10                  10/15/2005
241517703                                      358               65.49                     8.25                   10/1/2005
241517742                                      359               75.49                    10.72                   11/1/2005
241517751                                      359               85.49                     9.85                  10/15/2005
241517871                                      359                 100                    12.99                   11/1/2005
241600766                                       24                  75                     11.3                  11/15/1997
241604507                                      295                  90                    12.45                    7/1/2000
241604555                                      116                  90                    12.45                    8/1/2000
241604775                                      117               91.34                     12.6                    9/1/2000
241700610                                      267               74.07                      9.1                    3/1/1998
241718294                                      355                  85                      7.6                    7/1/2005
241718342                                      355                  85                     8.85                   6/15/2005
241718406                                      235               99.89                    12.65                    7/1/2005
241718525                                      355                  75                     10.4                    7/1/2005
241718550                                      235               89.33                     10.4                   6/15/2005
241718657                                      175                 100                    11.95                    7/1/2005
241718858                                      236                 100                     12.8                    8/1/2005
241718919                                      236                96.4                    12.65                    8/1/2005
241718931                                      176               98.42                    13.35                    8/1/2005
241718932                                      356               58.62                      8.9                    8/1/2005
241719035                                      357                  80                     7.25                    9/1/2005
241719055                                      357                  85                     10.1                    9/1/2005
241719070                                      357                  80                     6.25                    9/1/2005
241719090                                      357                72.4                      8.7                    9/1/2005
241800716                                      266                76.8                    11.05                    2/1/1998
241800974                                      269                  90                    11.05                    5/1/1998
241807413                                      117                  90                    12.99                    9/1/2000
241902082                                       88                  80                      9.9                   3/28/1998
241902141                                       88                  70                     12.3                   3/24/1998
241909160                                      299                  96                    11.99                   10/4/2000
241919863                                      355                 100                      8.2                    7/1/2005
241919974                                      355               58.82                     9.85                    7/1/2005
241920065                                      356               66.67                     10.2                    8/1/2005
241920097                                      236               75.42                     11.2                    7/8/2005
241920209                                      357               24.69                     9.95                   8/15/2005
241920242                                      357                  90                    10.15                    9/1/2005
241920285                                      357                  80                     6.65                    9/1/2005
241920332                                      357               76.92                    10.15                    9/1/2005
241920336                                      358                  90                     8.45                   9/15/2005
241920353                                      358                  85                     9.25                   9/15/2005
241920368                                      238               60.68                     7.25                    9/5/2005
241920409                                      358                  25                      7.5                    9/3/2005
241920414                                      357               74.07                     7.85                    9/1/2005
241920416                                      358               80.49                     9.95                   9/15/2005
241920452                                      358                  80                      9.2                   9/15/2005
241920483                                      358               90.44                      6.8                   9/15/2005
241920538                                      358               90.49                      9.6                   10/1/2005
241920586                                      358               85.49                      9.4                   9/15/2005
241920700                                      359                 100                    13.25                   11/1/2005
241920804                                      359               99.99                     11.1                   11/1/2005
242005754                                      297                  80                    12.75                    9/1/2000
242100696                                      265                  85                     11.3                    1/1/1998
242100970                                      268                  90                     8.75                    4/1/1998
242105301                                      295               83.83                    12.25                    7/1/2000
242105337                                      296               83.84                    12.99                   7/15/2000
242105431                                      116                  75                    13.55                    8/1/2000
242105444                                      296                  90                      9.1                    8/1/2000
242105466                                      177               80.49                    10.99                   8/15/2000
242105598                                      297                  80                    11.99                    9/1/2000
242117164                                      351               85.49                     8.99                   2/15/2005
242118369                                      234               76.22                     9.75                    6/1/2005
242118396                                      354               65.49                     9.15                    6/1/2005
242118431                                      355               90.49                     8.99                   6/15/2005
242118438                                      355               46.67                      8.6                    7/1/2005
242118502                                      355               85.49                      8.5                   6/15/2005
242118692                                      355                  90                     7.99                    7/1/2005
242118843                                      356                  75                      9.5                   7/15/2005
242118952                                      356               69.89                     8.99                    8/1/2005
242119058                                      358               75.02                     7.99                   9/15/2005
242119105                                      357                  83                     7.75                    9/1/2005
242119140                                      236                 100                    13.98                    8/1/2005
242119162                                      357               43.55                      7.4                   8/15/2005
242119195                                      358               70.48                    10.68                   9/15/2005
242119272                                      357                  90                      6.8                    9/1/2005
242119301                                      358                  75                      7.2                   9/15/2005
242119317                                      357               80.48                      9.2                    9/1/2005
242119321                                      358               85.47                     7.75                   9/15/2005
242119322                                      358               69.44                      7.1                   9/15/2005
242119336                                      358               38.31                      8.6                   9/15/2005
242119346                                      357               80.48                    10.25                    9/1/2005
242119440                                      358                59.8                     9.99                   9/15/2005
242119475                                      358               60.75                     9.25                   9/15/2005
242119523                                      358                  64                     8.99                   10/1/2005
242119585                                      358               74.36                     7.85                   10/1/2005
242217865                                      175                 100                    12.99                    7/1/2005
242217930                                      175                 100                    13.25                    7/1/2005
242217971                                      356               18.87                     8.35                    8/1/2005
242218259                                      176                 100                    11.99                    8/1/2005
242218332                                      358               90.49                     6.99                   9/15/2005
242218339                                      177                 100                    11.99                   8/15/2005
242218355                                      177                 100                    11.99                   8/15/2005
242218447                                      358                  55                     7.15                   10/1/2005
242218754                                      358               90.19                     7.75                   10/1/2005
242218779                                      358               80.49                     6.95                   9/15/2005
242218825                                      359               99.13                     12.5                   10/6/2005
242307675                                      116                81.9                    12.75                    8/1/2000
242307767                                      297               83.41                    12.99                    9/1/2000
242319119                                      355                  75                      9.5                   6/15/2005
242319295                                      355               28.49                     7.45                    7/1/2005
242319639                                      356                  70                     7.85                    8/1/2005
242319647                                      356               62.22                      8.3                    8/1/2005
242319834                                      358               31.88                     7.55                   9/15/2005
242319845                                      357               66.67                     7.65                    9/1/2005
242319859                                      357               71.43                     9.45                    9/1/2005
242319879                                      358               87.73                     7.25                   9/15/2005
242319895                                      357               61.86                      6.5                    9/1/2005
242319915                                      357               46.73                     7.25                    9/1/2005
242319945                                      358                  75                      7.1                   9/15/2005
242319949                                      358                  90                     7.25                   9/15/2005
242319977                                      238               69.38                      9.6                   9/15/2005
242320048                                      358               80.49                      7.2                   9/15/2005
242320057                                      358                  90                      6.5                   10/1/2005
242320068                                      358               80.49                      6.6                   10/1/2005
242320133                                      358               88.39                     6.25                   10/1/2005
242320254                                      358                  40                      9.6                   10/1/2005
242320330                                      359                  85                     7.25                  10/15/2005
242320432                                      359               85.49                      7.9                   11/1/2005
242400789                                      147                37.5                     13.5                    3/1/1998
242403901                                      176               84.97                     12.9                    8/1/2000
242413438                                      230                 100                     11.7                   1/15/2005
242414705                                      355                  80                      9.1                    7/1/2005
242414953                                      356                  85                      7.6                   7/15/2005
242414972                                      355                  80                      9.4                    7/1/2005
242414997                                      355                  80                     7.95                    7/1/2005
242415000                                      235                 100                    12.25                    7/1/2005
242415041                                      356                83.4                      7.7                   7/15/2005
242415055                                      236                 100                    11.99                    8/1/2005
242415298                                      358                  85                      9.1                    9/8/2005
242415368                                      357               81.97                     9.95                    9/1/2005
242415446                                      357               88.44                     9.25                    9/1/2005
242415447                                      358               84.33                     8.25                   9/15/2005
242415452                                      357                  90                     7.25                    9/1/2005
242415471                                      357                  80                     9.85                    9/1/2005
242415568                                      177                  70                     10.3                    9/1/2005
242415576                                      357                  90                     7.75                    9/1/2005
242415596                                      357                  90                      7.4                    9/1/2005
242415744                                      358                  90                     10.5                   10/1/2005
242415825                                      358                  70                     10.1                   10/1/2005
242416065                                      359                  25                      9.5                  10/15/2005
242603584                                      175               83.86                     15.5                    7/1/2000
242620256                                      356               78.13                      8.3                   7/15/2005
242620274                                      356                 100                     8.35                    8/1/2005
242620383                                      358                  90                     7.95                   9/15/2005
242620533                                      357               70.49                     8.25                    9/1/2005
242620571                                      357               85.49                     8.85                    9/1/2005
242620606                                      357               89.29                     10.2                    9/1/2005
242620625                                      357                  90                      8.6                    9/1/2005
242620806                                      359               65.49                     7.75                   11/1/2005
242620817                                      358               85.49                     8.69                   10/1/2005
242700442                                      297               80.51                     15.2                    9/1/2000
242711623                                      355                  85                    10.95                   6/15/2005
242711819                                      356                  80                     11.3                    8/1/2005
242711866                                      356                  77                        9                    8/1/2005
242711976                                      358               38.46                      8.4                    9/2/2005
242711991                                      357                74.8                     7.85                    9/1/2005
242712086                                      357                  88                     6.99                    9/1/2005
242712127                                      358                  80                      9.3                   9/15/2005
242712134                                      358                  79                    11.18                   10/1/2005
242712158                                      238               89.67                     8.95                    9/2/2005
242712418                                      359                  75                     9.95                   11/1/2005
242800346                                      146                  75                     9.75                   1/30/1998
242819277                                      355               75.49                     8.25                    7/1/2005
242819587                                      355               80.49                     8.35                   6/15/2005
242819631                                      175                 100                    12.45                   6/13/2005
242819646                                      355                  90                      7.6                    7/1/2005
242819670                                      357                  90                     9.75                    9/1/2005
242819758                                      356               80.49                     8.45                   7/15/2005
242819763                                      175                 100                    12.05                    7/1/2005
242819774                                      356               75.49                     6.65                    8/1/2005
242819802                                      356                  85                     7.15                    8/1/2005
242819813                                      356               70.49                     8.99                   7/15/2005
242819817                                      357                  80                     7.25                   8/15/2005
242819831                                      236                 100                    11.35                   7/11/2005
242819832                                      356                  95                      7.5                    8/1/2005
242819868                                      356                  90                      7.5                    8/1/2005
242819999                                      357                  74                     6.25                    9/1/2005
242820085                                      357                  80                     6.85                    9/1/2005
242820155                                      177                 100                     11.5                    9/1/2005
242820161                                      177                 100                     11.2                    9/1/2005
242820167                                      358                  80                     6.25                   9/15/2005
242820170                                      358                  80                      6.8                   9/15/2005
242820191                                      358               75.49                    10.77                   10/1/2005
242820200                                      358                  80                     6.25                   9/15/2005
242820219                                      358               68.36                     7.65                   9/15/2005
242820255                                      358               85.49                     6.99                   9/15/2005
242820361                                      358               85.49                     7.35                   10/1/2005
242820411                                      358                  80                      6.4                   10/1/2005
242820423                                      359               85.49                    10.55                  10/15/2005
242820480                                      359               90.49                        9                  10/15/2005
242820498                                      358               80.49                     9.55                   10/1/2005
242820513                                      359               94.96                     10.9                  10/13/2005
242820516                                      359               91.91                     11.2                  10/15/2005
242900629                                       24                  60                    10.95                  11/30/1997
242900720                                       85               62.75                    12.15                  12/29/1997
242900722                                       26                  75                       14                   1/22/1998
242907747                                      296                  75                     13.5                    8/1/2000
242907837                                      296               72.33                     14.7                   7/19/2000
242907846                                      116               89.43                     14.5                   7/15/2000
242907919                                      296               91.61                     12.5                    8/1/2000
242907936                                       80               84.49                     13.5                    8/1/2000
242907945                                       57                74.2                    13.35                    8/5/2000
242907948                                      116               92.11                       12                    8/1/2000
242908182                                      118                  80                    12.75                   9/14/2000
242922647                                      355                  85                      7.7                    7/1/2005
242922897                                      354               85.49                     7.95                    6/1/2005
242923205                                      356                 100                     8.05                   7/15/2005
243103471                                      296               78.65                    11.99                    8/1/2000
243113201                                      351               90.49                      7.3                    3/1/2005
243113727                                      354               85.49                     6.99                   5/15/2005
243114005                                      355               70.49                      9.6                    7/1/2005
243114037                                      355               70.49                     9.85                    7/1/2005
243114355                                      235                 100                    12.05                    7/1/2005
243114358                                      236               95.42                     10.8                    7/2/2005
243114435                                      356               90.49                     7.29                    8/1/2005
243114546                                      356               75.49                      9.2                    8/1/2005
243114564                                      358               85.49                     9.55                   9/15/2005
243114620                                      357               80.49                     8.75                    9/1/2005
243114685                                      236               95.49                    10.75                    8/1/2005
243114706                                      357               90.49                     7.99                   8/15/2005
243114732                                      357                  80                     6.59                    9/1/2005
243114743                                      358               80.43                     7.49                    9/4/2005
243114788                                      357                  80                     6.35                    9/1/2005
243114823                                      357               85.49                     10.7                    9/1/2005
243114930                                      358                  80                     6.99                   9/15/2005
243114940                                      358               77.39                     6.29                   10/1/2005
243114988                                      358               82.79                     6.25                   9/15/2005
243214306                                      355               85.49                     7.99                   6/15/2005
243214384                                      355               80.49                     7.26                   6/15/2005
243214464                                      355               85.49                     6.55                   6/15/2005
243214465                                      235                 100                     11.5                   6/10/2005
243214692                                      236                 100                       14                   7/15/2005
243214703                                      357               73.35                     7.99                    9/1/2005
243214722                                      176                 100                     13.5                   7/15/2005
243214751                                      357               90.49                      8.5                    9/1/2005
243214795                                      236                  95                    13.85                    8/1/2005
243214871                                      357               90.03                      7.5                   8/15/2005
243214891                                      357               31.11                      6.5                    9/1/2005
243214947                                      357                  95                     6.99                    9/1/2005
243214957                                      357               90.49                      8.4                    9/1/2005
243214999                                      358               60.49                      7.9                   9/15/2005
243215067                                      358                78.6                        9                   9/15/2005
243303923                                      117                  80                    11.99                    9/1/2000
243319598                                      357                  80                     7.95                    9/1/2005
243319625                                      357               75.49                    10.68                    9/1/2005
243319695                                      358               77.27                      8.7                   9/15/2005
243319704                                      358               72.59                      9.5                   9/15/2005
243319746                                      357                  80                      7.6                    9/1/2005
243319893                                      358                  70                    10.55                   10/1/2005
243319949                                      358               68.57                     7.65                   10/1/2005
243416625                                      355                  80                     7.25                   6/15/2005
243416682                                      356               80.49                     9.35                   7/15/2005
243416737                                      355                  80                     9.25                   6/15/2005
243416794                                      356               57.03                      7.9                   7/15/2005
243416867                                      357                  80                      7.3                   8/15/2005
243416944                                      356                  80                     7.55                    8/1/2005
243417012                                      357               70.49                     7.49                    9/1/2005
243417021                                      236                 100                    13.99                    8/1/2005
243417065                                      357                  70                      9.3                    9/1/2005
243417083                                      358               70.49                    10.81                   9/15/2005
243417106                                      358                  85                     8.95                   10/1/2005
243417127                                      357               85.49                     9.99                    9/1/2005
243417133                                      357                 100                      8.9                   8/15/2005
243417159                                      357               70.49                    10.81                    9/1/2005
243417230                                      359               70.49                    10.68                  10/15/2005
243417252                                      358                  90                     8.99                   9/15/2005
243417259                                      358                  90                      9.4                   9/15/2005
243503955                                      296                  70                     8.75                   7/15/2000
243503962                                      296               90.41                    11.99                    8/1/2000
243504008                                      297               86.98                       10                    9/1/2000
243504167                                       57               39.67                     12.5                   8/14/2000
243504322                                      297                  70                    12.99                    9/1/2000
243504388                                      178               87.86                    12.99                    9/7/2000
243521285                                      355                  75                     9.99                    7/1/2005
243521479                                      356                63.2                      9.7                    8/1/2005
243521543                                      356               80.49                    11.33                    8/1/2005
243521565                                      357                  80                     7.45                   8/15/2005
243521645                                      177               52.29                        8                    9/1/2005
243521726                                      357               85.45                     7.25                   8/15/2005
243521759                                      357                50.1                     7.55                    9/1/2005
243521796                                      357                  90                     6.25                    9/1/2005
243521823                                      357                  90                     8.55                    9/1/2005
243521835                                      357               64.65                      8.6                    9/1/2005
243521837                                      357                  85                    10.75                    9/1/2005
243521874                                      357               70.49                    11.54                    9/1/2005
243521876                                      357                  80                     8.35                    9/1/2005
243521909                                      358                  80                      9.5                   9/15/2005
243521931                                      358               79.55                     8.25                   9/15/2005
243521963                                      358               85.47                      7.9                    9/8/2005
243521972                                      358                  75                     10.4                   10/1/2005
243521981                                      358                  90                     8.15                   9/15/2005
243522015                                      358               72.09                     6.75                   9/15/2005
243522052                                      359               80.49                     9.99                   11/1/2005
243522059                                      359               55.67                     9.35                   11/1/2005
243522078                                      358               85.49                     9.55                   10/1/2005
243522098                                      358               67.23                     6.25                   10/1/2005
243522101                                      359               30.93                     10.2                   11/1/2005
243522117                                      358                  80                      6.8                   10/1/2005
243522172                                      358                66.8                     6.25                   10/1/2005
243522355                                      359                 100                    14.01                  10/14/2005
243603756                                      295                  72                    12.45                    7/1/2000
243603797                                      295               80.08                    13.45                    7/1/2000
243603923                                      115                  80                     11.9                    7/1/2000
243604063                                      296                  80                       13                    8/1/2000
243604106                                      296                  75                     13.2                   7/20/2000
243604237                                      297                  65                    13.25                    9/1/2000
243604370                                      297               96.18                    11.99                    9/1/2000
243604372                                      178               85.69                     12.4                   9/14/2000
243604407                                      297               92.52                     11.9                    9/1/2000
243604489                                      298                  90                     12.4                    9/8/2000
243604512                                      297                  75                     12.8                    9/1/2000
243604558                                      177               84.49                    12.25                    9/1/2000
243604589                                      178               85.25                    12.05                   10/1/2000
243604658                                      298                  90                    11.99                   9/11/2000
243615927                                      175                 100                     14.1                   6/14/2005
243616087                                      354               80.49                      8.7                    6/1/2005
243616098                                      355                  90                        8                    7/1/2005
243616162                                      356               90.49                     7.55                   7/15/2005
243616385                                      357                 100                     7.94                    9/1/2005
243616408                                      358                  70                      7.5                   9/15/2005
243616463                                      357                 100                     8.85                    9/1/2005
243616567                                      358                  90                     6.65                   10/1/2005
243616594                                      359                 100                     10.2                  10/15/2005
243712933                                      355               90.49                      7.5                    7/1/2005
243713088                                      235               98.64                    11.99                    7/1/2005
243713108                                      355               65.15                     5.99                   6/15/2005
243713166                                      235                 100                    11.85                   6/11/2005
243713265                                      235                 100                    12.45                    7/1/2005
243713328                                      175                 100                     12.9                    7/1/2005
243713473                                      357                 100                     10.3                   8/15/2005
243713540                                      358               75.49                      9.2                   10/1/2005
243713557                                      357               80.49                      6.5                    9/1/2005
243713627                                      358               65.49                     6.25                   9/15/2005
243713655                                      357                66.2                     6.95                    9/1/2005
243713738                                      358               85.49                    10.35                   9/15/2005
243713739                                      358               55.97                     12.5                   9/15/2005
243713745                                      358               42.25                     6.25                   9/15/2005
243713747                                      178               68.38                      7.3                    9/8/2005
243713761                                      358               66.67                     7.45                   9/15/2005
243713762                                      358               66.67                     6.25                   9/15/2005
243713853                                      358               90.49                     8.05                   10/1/2005
243713867                                      359               55.49                     9.65                   11/1/2005
243713891                                      359               75.49                     9.85                  10/15/2005
243713909                                      359                 100                    12.05                   11/1/2005
243714044                                      359               90.49                     10.3                   11/1/2005
243817994                                      355                  80                     7.45                    7/1/2005
243818002                                      235                 100                     14.5                    7/1/2005
243818008                                      355                  90                      7.9                    7/1/2005
243818113                                      236                 100                    12.85                   7/15/2005
243818207                                      356               87.72                     7.65                    8/1/2005
243818271                                      236                 100                    13.05                    8/1/2005
243818300                                      358               49.09                     9.55                   9/15/2005
243818362                                      357               65.38                     11.6                    9/1/2005
243818385                                      357               85.49                    10.55                    9/1/2005
243818390                                      358                  90                     8.75                   9/15/2005
243818400                                      357                89.7                      8.7                    9/1/2005
243818520                                      358               71.92                     8.35                   9/15/2005
243818711                                      359                 100                     14.2                   10/9/2005
243901657                                      295                  90                    11.99                    7/1/2000
244102814                                      115               90.06                    12.99                    7/1/2000
244102836                                       56               49.19                     12.5                    7/8/2000
244102897                                      296                  80                     11.7                   7/15/2000
244102921                                      296               89.81                    10.99                    8/1/2000
244102963                                      117               67.92                     11.8                    9/1/2000
244103224                                      117               56.67                       12                   8/17/2000
244103305                                      117                  85                    11.99                   8/17/2000
244103597                                       58               67.14                    11.75                   9/15/2000
244122852                                      353                  90                     9.05                    5/1/2005
244123428                                      354                  90                     7.25                    6/1/2005
244123472                                      355               88.33                      8.1                   6/15/2005
244123539                                      355                  65                        9                   6/15/2005
244123750                                      355                  80                     7.25                    7/1/2005
244123752                                      235                 100                    13.25                    7/1/2005
244123824                                      356               48.78                      7.4                   7/15/2005
244123832                                      356               74.63                     10.5                   7/15/2005
244123989                                      273               76.92                     10.8                    9/1/2005
244124008                                      357               40.65                     11.1                    9/1/2005
244124123                                      357               73.94                      9.9                    9/1/2005
244124125                                      357                  60                      8.9                    9/1/2005
244124130                                      358               65.49                        8                   9/15/2005
244124149                                      357                  65                     8.65                    9/1/2005
244124156                                      357                  90                     8.25                    9/1/2005
244124169                                      178               73.53                     8.49                    9/3/2005
244124194                                      357               80.49                     9.99                    9/1/2005
244124195                                      358               55.56                     9.45                   10/1/2005
244124229                                      359               68.42                      9.8                   11/1/2005
244124675                                      359               90.49                     9.25                   11/1/2005
244200571                                      295               84.49                    10.95                    7/1/2000
244211077                                      353                  90                      7.5                   4/15/2005
244211405                                      355                  95                      7.2                    7/1/2005
244211445                                      355               65.49                     8.85                   6/15/2005
244211481                                      355               85.49                      8.2                   6/13/2005
244211551                                      235                 100                     12.2                   6/14/2005
244211574                                      355               80.49                     8.65                    7/1/2005
244211733                                      356               85.49                      8.7                    8/1/2005
244211741                                      356               85.49                     9.75                   7/15/2005
244211756                                      357                  90                     9.62                    9/1/2005
244211865                                      358               75.49                     9.65                   10/1/2005
244211877                                      237                 100                    12.25                   8/15/2005
244211930                                      357               85.49                      7.9                    9/1/2005
244211986                                      358               83.07                     8.25                   10/1/2005
244211997                                      357               23.42                     9.99                    9/1/2005
244212041                                      357               85.49                      6.5                    9/1/2005
244212184                                      359               44.64                     9.75                  10/15/2005
244402463                                      297               75.47                    11.15                    9/1/2000
244402480                                      116               78.69                    11.75                    8/1/2000
244412691                                      354               75.49                        8                    6/1/2005
244412852                                      356               73.01                     9.85                    7/2/2005
244412910                                      356                  75                      8.9                   7/15/2005
244413008                                      357               80.49                     8.55                   8/15/2005
244413016                                      357               83.33                     6.99                    9/1/2005
244413126                                      177                  70                      9.3                    9/1/2005
244413127                                      357               49.62                      9.2                    9/1/2005
244413174                                      358               33.86                      8.6                   9/15/2005
244413197                                      358               85.49                     9.55                   10/1/2005
244413235                                      358               74.36                     6.65                   9/15/2005
244502599                                      296               92.84                    12.99                   7/12/2000
244502600                                      296               86.21                    11.99                   7/14/2000
244502643                                      117               83.28                    13.45                   8/19/2000
244502759                                      297               82.41                    12.99                   8/15/2000
244502808                                      296               85.42                     13.2                    8/1/2000
244502849                                       57               91.99                    12.35                   8/18/2000
244503028                                      297               93.68                    11.99                    9/1/2000
244503040                                      298               84.99                    12.49                   10/1/2000
244503108                                      118               50.72                    11.85                   9/16/2000
244519218                                      355                  85                     8.99                   6/15/2005
244519260                                      355               71.43                    11.05                    7/1/2005
244519290                                      355               71.43                     8.45                    7/1/2005
244519365                                      235                 100                     10.6                    7/1/2005
244519534                                      356               51.28                      8.9                    8/1/2005
244519577                                      356               85.49                     10.3                    8/1/2005
244519586                                      357               51.02                      7.2                    9/1/2005
244519636                                      356                  95                        8                    8/1/2005
244519647                                      356                  90                      7.3                    8/1/2005
244519666                                      357               75.49                     7.25                   8/15/2005
244519693                                      357                  85                     9.35                   8/15/2005
244519705                                      357                  80                     7.97                    9/1/2005
244519723                                      358               90.31                      8.8                   9/15/2005
244519746                                      357               75.49                     9.45                   8/15/2005
244519809                                      357                  90                    10.67                    9/1/2005
244519855                                      358               80.49                     11.2                   9/11/2005
244519856                                      358                  80                     8.25                   9/15/2005
244519938                                      358               75.49                    10.68                   10/1/2005
244519971                                      358               75.49                     10.3                   10/1/2005
244601454                                      296               72.46                    13.85                    7/5/2000
244601535                                      296               82.27                     13.8                    7/2/2000
244601707                                      296                57.4                    11.99                   7/15/2000
244815510                                      356               66.67                    10.65                    8/1/2005
244815782                                      357                  80                        7                    9/1/2005
244816010                                      119                 100                    12.55                   10/6/2005
244900460                                      117               77.96                    11.99                    9/1/2000
244900463                                      297               73.25                    14.99                    9/1/2000
245002278                                      296               66.67                     11.1                    8/1/2000
245102695                                      296                  80                     9.65                    8/1/2000
245107772                                      355                  90                     8.75                    7/1/2005
245107802                                      355                  75                      7.8                   6/15/2005
245107826                                      355                82.4                      6.4                    7/1/2005
245107862                                      356               76.62                     5.75                   7/15/2005
245107897                                      356                  85                     7.25                   7/15/2005
245107912                                      357                  65                     7.25                   8/11/2005
245107932                                      357                  75                     8.49                    9/1/2005
245107934                                      357                  85                     8.19                    9/1/2005
245107941                                      357                  90                     8.65                    9/1/2005
245107942                                      357                  70                     8.65                    9/1/2005
245107968                                      358                 100                     8.05                   10/1/2005
245204294                                      298               94.29                    10.75                   10/1/2000
245211318                                      347               91.16                     8.99                   11/1/2004
245212262                                      355                  80                     8.75                   6/15/2005
245212306                                      355                  90                     7.75                    7/1/2005
245212323                                      355                  95                     7.49                    7/1/2005
245212334                                      356                81.6                     6.75                   7/15/2005
245212359                                      356                  75                     6.65                    8/1/2005
245212362                                      356                  90                     9.55                   7/15/2005
245212380                                      356               51.92                     8.05                    8/1/2005
245212390                                      357                34.9                      7.4                   8/15/2005
245212393                                      356               68.04                      8.3                    8/1/2005
245212400                                      357                  90                      7.5                   8/15/2005
245212402                                      356               77.25                     7.75                    8/1/2005
245212409                                      356                  95                     8.55                    8/1/2005
245212433                                      356                  90                     9.55                    8/1/2005
245212486                                      357                  90                     7.95                    9/1/2005
245212491                                      357               74.32                     7.55                    9/1/2005
245212502                                      358               73.61                      9.1                   9/15/2005
245212515                                      357               81.79                      8.1                    9/1/2005
245212568                                      358                  90                    8.625                   9/15/2005
245212585                                      358               91.63                     8.99                   10/1/2005
245212702                                      359               91.01                     6.25                   11/1/2005
245305109                                      352                86.7                     7.45                    4/1/2005
245305183                                      355               87.55                      6.5                   6/15/2005
245305204                                      355                  80                      7.8                    7/1/2005
245305210                                      355                  80                     6.95                    7/1/2005
245305236                                      358                91.8                     8.55                   9/15/2005
245305258                                      358               66.95                     8.75                   10/1/2005
245305264                                      358                80.7                     8.95                   10/1/2005
245305287                                      359                  90                      8.4                  10/15/2005
245305325                                      359                92.7                      6.8                  10/15/2005
245305330                                      179                 100                      9.3                  10/15/2005
245305334                                      359                  80                      6.5                  10/15/2005
245305337                                      359                 100                      9.7                  10/14/2005
245409060                                      355                92.7                     7.25                   6/15/2005
245409066                                      175                 100                    11.49                    7/1/2005
245409116                                      355               92.18                     8.45                    7/1/2005
245409133                                      356                  80                     6.25                   7/15/2005
245409147                                      356                  75                      9.4                   7/15/2005
245409157                                      356                  80                     6.25                    8/1/2005
245409162                                      356                  80                     5.99                    8/1/2005
245409195                                      356                  80                     5.99                    8/1/2005
245409207                                      357                  80                     6.99                   8/15/2005
245409220                                      357                  80                      7.5                    9/1/2005
245409229                                      358               87.55                     6.95                   9/15/2005
245409230                                      357                  80                      6.5                    9/1/2005
245409274                                      358               87.55                      6.8                   9/15/2005
245409303                                      358               91.32                     7.25                   10/1/2005
245409309                                      358                82.4                      7.5                   10/1/2005
245409311                                      358                  80                     5.49                   10/1/2005
245409323                                      358                90.9                     6.85                   10/1/2005
245409331                                      358                  80                    6.375                   10/1/2005
245409339                                      358                  80                      6.4                   10/1/2005
245409347                                      359                  74                      9.8                  10/15/2005
245409359                                      359                 100                      8.9                   11/1/2005
245409377                                      358                  80                      6.3                   10/1/2005
245409382                                      358                  80                      6.5                   10/1/2005
245409401                                      179                98.6                     8.85                  10/16/2005
245409403                                      179                 100                    10.45                   11/1/2005
245409412                                      179                 100                     8.85                   11/1/2005
245605782                                      229                 100                    10.75                    1/1/2005
245606032                                      354                  85                     8.95                   5/15/2005
245606090                                      355                 100                      9.5                    7/1/2005
245606127                                      358               58.82                     8.55                   10/1/2005
245606148                                      355                  70                     7.55                    7/1/2005
245606152                                      355                  80                      7.5                    7/1/2005
245606166                                      355               79.68                     9.25                    7/1/2005
245606184                                      356                  80                      9.7                    8/1/2005
245606190                                      355                  80                     7.49                    7/1/2005
245606193                                      356                  80                     7.25                   7/15/2005
245606208                                      356                  80                     7.95                    8/1/2005
245606217                                      357                  90                        8                   8/15/2005
245606232                                      357                  90                     7.75                   8/15/2005
245606243                                      357                  90                     9.65                   8/15/2005
245606244                                      356                  90                     9.75                    8/1/2005
245606264                                      357                  70                     9.99                    9/1/2005
245606277                                      358                  85                     9.99                   10/1/2005
245606301                                      357                  85                     8.05                    9/1/2005
245606316                                      358               53.25                     7.99                   10/1/2005
245606323                                      358                 100                      8.8                   10/1/2005
245606324                                      359                  90                     9.25                  10/15/2005
245606371                                      359               71.43                      8.6                   11/1/2005
245707959                                      355               61.95                     5.75                   6/15/2005
245707972                                      355                82.4                      6.5                   6/16/2005
245707991                                      355                87.5                     6.84                    7/1/2005
245707993                                      355                80.8                     7.24                   6/15/2005
245708000                                      355                  80                      7.7                   6/15/2005
245708006                                      355                  90                      7.5                    7/1/2005
245708015                                      355                  80                      6.5                    7/1/2005
245708032                                      356                  80                     7.43                   7/15/2005
245708034                                      355                  80                      7.1                    7/1/2005
245708041                                      356                  95                     6.99                    8/1/2005
245708044                                      355                  80                     6.75                    7/1/2005
245708048                                      356               77.25                     5.75                   7/15/2005
245708052                                      355                  95                     7.59                    7/1/2005
245708059                                      355                  80                      6.8                    7/1/2005
245708062                                      355                  80                      6.9                    7/1/2005
245708064                                      356               60.08                     6.99                    8/1/2005
245708065                                      356                  80                     7.65                   7/15/2005
245708078                                      177                82.4                      8.1                    9/1/2005
245708080                                      356                82.4                     6.65                    8/1/2005
245708083                                      356                  90                     6.95                   7/15/2005
245708085                                      356                82.4                      6.7                   7/15/2005
245708087                                      356                82.4                     5.89                    8/1/2005
245708088                                      356                  95                      6.9                    8/1/2005
245708102                                      356                82.4                      5.9                    8/1/2005
245708105                                      356                  80                     7.35                    8/1/2005
245708116                                      357               77.25                      8.6                   8/15/2005
245708123                                      356                  80                     7.69                    8/1/2005
245708126                                      356                  80                      7.4                    8/1/2005
245708133                                      356               80.36                     6.29                    8/1/2005
245708148                                      357                82.4                        6                   8/15/2005
245708156                                      356               87.55                     8.29                    8/1/2005
245708158                                      357                  75                      9.1                   8/15/2005
245708159                                      357                  80                      7.3                   8/15/2005
245708164                                      357                  90                     7.29                   8/15/2005
245708165                                      357               77.25                      7.3                   8/15/2005
245708171                                      357                82.4                      5.9                    9/1/2005
245708174                                      357               46.89                     6.99                    9/1/2005
245708190                                      357               66.81                      6.4                    9/1/2005
245708197                                      357               52.25                     8.35                   8/13/2005
245708241                                      358                  82                      6.2                    9/2/2005
245708243                                      358                81.6                     7.25                   10/1/2005
245708256                                      358                82.4                     6.49                   9/15/2005
245708260                                      358               87.55                     6.35                   9/15/2005
245708262                                      358                  75                     6.85                   9/15/2005
245708298                                      358                  82                     7.25                   10/1/2005
245708307                                      358                  85                      6.9                   10/1/2005
245708341                                      358               81.21                     5.99                   10/1/2005
245708353                                      358                  80                      6.2                   10/1/2005
245708356                                      358                  80                     6.85                   10/1/2005
245708361                                      359                  80                     6.95                  10/15/2005
245708379                                      358                  90                      6.4                   10/1/2005
245708411                                      179                 100                        9                  10/15/2005
246002252                                      296               74.93                     12.5                    8/1/2000
246002309                                      296               74.99                    10.49                    8/1/2000
246002321                                      297                  80                    10.99                   8/15/2000
246009725                                      355               63.75                     6.79                    7/1/2005
246009733                                      355                  80                     6.75                   6/15/2005
246009753                                      355                  80                     6.25                    7/1/2005
246009776                                      355               88.46                     7.25                    7/1/2005
246009797                                      355               61.37                     6.35                    7/1/2005
246009802                                      355                  75                    7.625                    7/1/2005
246009825                                      356               56.92                     6.99                    8/1/2005
246009833                                      356                  60                      5.8                    8/1/2005
246009837                                      355               81.89                     6.14                    7/1/2005
246009840                                      355               76.92                      6.8                    7/1/2005
246009853                                      356               66.67                     6.85                    8/1/2005
246009855                                      356                  80                     6.85                    8/1/2005
246009859                                      356                  80                     6.99                    8/1/2005
246009899                                      356                  80                      6.4                    8/1/2005
246009901                                      357                82.4                     7.15                    9/1/2005
246009902                                      356                  80                     6.99                    8/1/2005
246009913                                      356                  80                      7.7                    8/1/2005
246009923                                      357                  80                     6.85                    9/1/2005
246009928                                      356               81.98                      6.4                    8/1/2005
246009935                                      357               82.86                     7.85                    9/1/2005
246009943                                      357               82.48                     5.99                    9/1/2005
246009944                                      357               95.49                     6.99                    9/1/2005
246009990                                      357                  80                     7.25                    9/1/2005
246010003                                      358                72.5                     6.15                   10/1/2005
246010011                                      357                  80                     7.99                    9/1/2005
246010072                                      358                  90                     5.99                   10/1/2005
246010113                                      358               67.63                     7.95                   10/1/2005
246010128                                      358               54.43                     7.85                   10/1/2005
246010136                                      358               90.49                      6.5                   10/1/2005
246010140                                      358                  80                     5.79                   10/1/2005
246010154                                      358                  80                      6.3                   10/1/2005
246010157                                      179                 100                     8.95                   11/1/2005
246010165                                      358                  80                      5.9                   10/1/2005
246010166                                      358                  80                     6.35                   10/1/2005
246205341                                      356               68.63                     9.05                   7/15/2005
246205356                                      355                  80                     6.75                   6/15/2005
246205371                                      355                  80                     6.95                    6/6/2005
246205376                                      355                  95                     6.45                   6/15/2005
246205382                                      355                  55                      8.5                    7/1/2005
246205387                                      356                81.6                      6.2                    8/1/2005
246205398                                      356                90.9                     7.95                    8/1/2005
246205408                                      356                  80                      6.4                   7/15/2005
246205414                                      356               78.43                     7.65                   7/15/2005
246205426                                      356                  85                     7.99                    8/1/2005
246205429                                      356                  80                     7.25                    8/1/2005
246205432                                      356                81.6                     6.19                   7/15/2005
246205469                                      357                  80                     7.25                   8/15/2005
246205490                                      358                  75                     9.99                   9/15/2005
246205504                                      358                  90                     7.49                   9/15/2005
246205506                                      358                  85                     6.99                   10/1/2005
246205526                                      358               66.54                     8.99                   10/1/2005
246205531                                      358               66.95                      6.1                   10/1/2005
246205593                                      359               85.06                     6.75                   11/1/2005
246205602                                      359                  90                        8                   11/1/2005
246300602                                      297                  90                    10.65                   8/15/2000
246404433                                      355               32.61                      7.1                    7/1/2005
246404482                                      357                  80                     7.25                    9/1/2005
246404488                                      357                75.6                      7.4                    9/1/2005
246404490                                      357                82.6                     6.75                    9/1/2005
246404501                                      357               82.05                     5.95                    9/1/2005
246404542                                      359               75.49                     9.55                   11/1/2005
246404591                                      359                 100                     8.85                   11/1/2005
246501504                                      298               91.36                     9.07                   10/1/2000
246701128                                      297                  80                    11.85                    9/1/2000
246704911                                      355                  80                     7.85                    7/1/2005
246704929                                      355                  90                      7.9                    7/1/2005
246704934                                      355               85.49                      8.5                    7/1/2005
246704938                                      355                  85                     7.11                    7/1/2005
246704971                                      356                  85                     7.95                   7/15/2005
246704991                                      356                  95                      8.8                    8/1/2005
246704997                                      357                  80                     7.55                   8/15/2005
246705000                                      358                  80                     8.85                   10/1/2005
246705025                                      358                  90                      8.8                   10/1/2005
246705039                                      358                  85                     6.75                   10/1/2005
246801580                                      298                  90                    11.99                   10/1/2000
246808107                                      355                  80                     6.65                   6/15/2005
246808109                                      355                  95                     8.25                    7/1/2005
246808134                                      355                  75                    10.55                    7/1/2005
246808135                                      355                  90                     7.59                    7/1/2005
246808149                                      355                  90                      8.1                    7/1/2005
246808169                                      355                  70                      6.9                    7/1/2005
246808180                                      355                 100                      8.7                    7/1/2005
246808192                                      355                  85                     9.35                    7/1/2005
246808204                                      356               73.17                     6.25                    8/1/2005
246808208                                      356                  80                     8.29                   7/15/2005
246808212                                      356                  80                     7.99                   7/15/2005
246808218                                      356                  75                     8.99                    8/1/2005
246808229                                      356                  90                     8.49                    8/1/2005
246808235                                      356                  80                      8.9                    8/1/2005
246808240                                      357                  95                      8.2                    8/5/2005
246808359                                      358               81.84                     7.45                   10/1/2005
246808392                                      358                80.8                      6.7                   10/1/2005
246903676                                      355                81.2                     7.99                    7/1/2005
246903716                                      357                71.4                     8.65                   8/15/2005
246903725                                      357               77.25                     7.95                    9/1/2005
246903734                                      357                  80                     5.99                   8/15/2005
247301053                                      297                  90                    11.99                   8/15/2000
247305256                                      352                81.6                      6.9                    4/1/2005
247305460                                      355               63.41                     7.99                    7/1/2005
247305463                                      355                  95                      6.5                    7/1/2005
247305501                                      356                  90                     7.99                   7/15/2005
247305511                                      357                81.6                     6.99                    9/1/2005
247305512                                      356                  80                     6.35                    8/1/2005
247305565                                      358                  80                     5.99                   9/15/2005
247305566                                      358                81.2                     6.05                   10/1/2005
247305577                                      358                  80                     7.99                   10/1/2005
247305585                                      358                  90                     8.45                   10/1/2005
247305595                                      358                  80                     8.75                   10/1/2005
247305598                                      358                  80                     5.69                   10/1/2005
247305602                                      358                76.5                      7.5                   10/1/2005
247305618                                      359                 100                     8.99                  10/15/2005
247305632                                      358                  90                     6.99                   10/1/2005
247305634                                      358                90.9                     6.49                   10/1/2005
247305651                                      179                 100                      8.9                   10/9/2005
247305662                                      179                 100                      9.3                  10/13/2005
247305664                                      359                  88                      6.8                  10/15/2005
247305671                                      359                 100                      9.6                   11/1/2005
247404265                                      355               47.62                     9.53                    7/1/2005
247404400                                      355               81.88                     9.35                    6/6/2005
247404470                                      355                  80                      6.2                    7/1/2005
247404480                                      355                  85                     7.99                    7/1/2005
247404484                                      355               84.46                     7.45                    7/1/2005
247404485                                      355                92.7                     9.29                    7/1/2005
247404496                                      355                  90                     7.25                    7/1/2005
247404548                                      356                  80                      9.2                    8/1/2005
247404557                                      357               69.84                      6.6                    8/6/2005
247404580                                      356                 100                     8.15                    8/1/2005
247404585                                      356                  90                     8.69                    8/1/2005
247404591                                      356                  80                     7.55                    8/1/2005
247404634                                      356                  75                     9.05                    8/1/2005
247404696                                      357                  70                     9.55                    9/1/2005
247404710                                      177               82.41                     8.99                   8/12/2005
247404721                                      357               75.49                     9.49                    9/1/2005
247404737                                      357                  80                     6.75                    9/1/2005
247404807                                      358                82.9                     7.99                   9/15/2005
247404811                                      359               92.38                      8.5                  10/15/2005
247404832                                      358               85.49                        9                   10/1/2005
247404840                                      358                  80                      6.1                   10/1/2005
247404845                                      358                  80                     7.05                   10/1/2005
247404896                                      359                  80                      7.6                  10/15/2005
247404906                                      359                 100                    11.65                  10/13/2005
247404909                                      359                  80                     6.45                   11/1/2005
247404916                                      359                  90                     6.95                   11/1/2005
247404931                                      359                 100                     10.3                  10/15/2005
247404937                                      359                 100                      9.8                   11/1/2005
247404955                                      359               87.55                      6.8                   11/1/2005
247603159                                      356                82.4                     7.95                   7/16/2005
247603250                                      356               79.93                      7.4                    8/1/2005
247603281                                      357               51.76                      9.4                    9/1/2005
247603282                                      356                  80                      6.2                    8/1/2005
247603303                                      357                  80                     9.25                   8/15/2005
247603304                                      356                  80                     6.65                    8/1/2005
247603318                                      356                86.7                      6.5                    8/1/2005
247603331                                      359                82.4                     8.12                  10/15/2005
247603349                                      357                  90                     8.99                    9/1/2005
247603353                                      357                  80                     7.25                    9/1/2005
247603403                                      358                  80                     6.75                   9/15/2005
247603404                                      358                  80                     7.95                   10/1/2005
247603409                                      358                82.4                     6.25                   10/1/2005
247603410                                      358                  80                     6.45                   10/1/2005
247603414                                      358                  85                     7.85                   10/1/2005
247603446                                      359               85.85                      8.1                   11/1/2005
247603453                                      359                 100                     11.9                  10/15/2005
248605215                                      354                  80                      6.6                    6/1/2005
248605221                                      355               81.65                     6.67                    7/1/2005
248605228                                      355                  75                      7.8                    7/1/2005
248605233                                      355               74.95                      8.6                    7/1/2005
248605310                                      355                  80                     6.75                    7/1/2005
248605402                                      234                 100                    10.55                    6/1/2005
248605419                                      355                  80                     6.99                    7/1/2005
248605421                                      355                  80                      6.5                    7/1/2005
248605434                                      355                  85                     6.99                    7/1/2005
248605443                                      355                  80                     7.81                    7/1/2005
248605447                                      355                  80                      6.7                    7/1/2005
248605454                                      355                  80                     7.08                    7/1/2005
248605459                                      356                  90                     8.05                    8/1/2005
248605460                                      355                  80                      7.3                    7/1/2005
248605465                                      355                  80                     6.37                    7/1/2005
248605471                                      355                  80                     6.65                    7/1/2005
248605474                                      355                  80                        7                    7/1/2005
248605478                                      355                  80                      6.1                    7/1/2005
248605481                                      355               40.34                      8.5                    7/1/2005
248605484                                      175                 100                     9.15                    7/1/2005
248605489                                      355                  80                        7                    7/1/2005
248605492                                      355                  90                      9.8                    7/1/2005
248605499                                      355                  75                     7.65                    7/1/2005
248605502                                      355                  75                     7.47                    7/1/2005
248605504                                      355                  80                     7.05                    7/1/2005
248605505                                      356                  80                      6.3                    8/1/2005
248605509                                      355                  80                     6.65                    7/1/2005
248605514                                      355               98.65                      6.2                    7/1/2005
248605527                                      355               51.05                     7.95                    7/1/2005
248605530                                      355                  80                      6.6                    7/1/2005
248605537                                      175                 100                      9.1                    7/1/2005
248605539                                      355               89.62                     7.75                    7/1/2005
248605541                                      355                  80                        6                    7/1/2005
248605546                                      355                  80                     7.75                    7/1/2005
248605547                                      355                  80                     6.95                    7/1/2005
248605549                                      175                 100                     9.95                    7/1/2005
248605551                                      355                 100                     8.35                    7/1/2005
248605552                                      175                 100                     9.75                    7/1/2005
248605553                                      355                  80                     7.15                    7/1/2005
248605554                                      355                  80                     7.18                    7/1/2005
248605561                                      355                  80                      7.3                    7/1/2005
248605562                                      356                  90                     8.54                    8/1/2005
248605571                                      175                 100                     10.4                    7/1/2005
248605576                                      355                  90                      6.9                    7/1/2005
248605579                                      355                  80                     6.95                    7/1/2005
248605580                                      355                  56                     10.8                    7/1/2005
248605582                                      355                  80                     6.75                    7/1/2005
248605583                                      356                  90                      7.6                    8/1/2005
248605585                                      355                  80                     6.39                    7/1/2005
248605594                                      355                  80                     7.05                    7/1/2005
248605600                                      175                 100                      9.8                    7/1/2005
248605602                                      356                  80                     6.72                    8/1/2005
248605612                                      355                  80                      7.7                    7/1/2005
248605618                                      355                  80                      6.4                    7/1/2005
248605626                                      175                 100                    10.25                    7/1/2005
248605627                                      355                  80                        6                    7/1/2005
248605634                                      356                  80                     6.49                    8/1/2005
248605635                                      355                  80                     6.45                    7/1/2005
248605640                                      175                 100                     9.95                    7/1/2005
248605643                                      175                 100                     8.95                    7/1/2005
248605648                                      355                  90                     7.43                    7/1/2005
248605651                                      356                  80                     5.99                    8/1/2005
248605654                                      356                  80                     7.15                    8/1/2005
248605655                                      357               86.43                     6.96                    9/1/2005
248605656                                      175                 100                     8.55                    7/1/2005
248605661                                      175                 100                     10.3                    7/1/2005
248605663                                      176                  95                     8.45                    8/1/2005
248605665                                      356               66.15                     7.35                    8/1/2005
248605670                                      356                  80                      6.6                    8/1/2005
248605671                                      356               77.71                      7.3                    8/1/2005
248605677                                      356                  80                     6.46                    8/1/2005
248605681                                      356                  90                     7.39                    8/1/2005
248605683                                      356                  80                      7.6                    8/1/2005
248605685                                      356                  80                      6.4                    8/1/2005
248605689                                      356                  80                     7.28                    8/1/2005
248605690                                      356               69.01                     6.78                    8/1/2005
248605698                                      356                  80                     6.79                    8/1/2005
248605707                                      176                 100                       10                    8/1/2005
248605712                                      236                 100                     8.95                    8/1/2005
248605719                                      176                 100                     11.3                    8/1/2005
248605724                                      176                 100                     8.95                    8/1/2005
248605726                                      176                 100                    11.58                    8/1/2005
248605727                                      176                 100                      9.6                    8/1/2005
248605730                                      356                  80                        6                    8/1/2005
248605737                                      356                  80                     6.45                    8/1/2005
248605739                                      176                 100                    10.34                    8/1/2005
248605740                                      356                  80                     8.05                    8/1/2005
248605742                                      356                  80                        7                    8/1/2005
248605748                                      176                 100                     8.99                    8/1/2005
248605759                                      356                  80                      6.5                    8/1/2005
248605760                                      356                  80                        8                    8/1/2005
248605762                                      176                 100                      9.4                    8/1/2005
248605767                                      357               41.95                     6.35                    9/1/2005
248605775                                      356                  80                      6.5                    8/1/2005
248605777                                      176                 100                     9.35                    8/1/2005
248605784                                      236                 100                      9.6                    8/1/2005
248605785                                      356                  80                     6.55                    8/1/2005
248605787                                      357               57.86                     9.45                    9/1/2005
248605789                                      356               68.68                      8.2                    8/1/2005
248605794                                      356                  80                     6.37                    8/1/2005
248605798                                      356                  90                     8.65                    8/1/2005
248605799                                      356                  80                      6.4                    8/1/2005
248605800                                      357                  90                        7                    9/1/2005
248605801                                      356                  80                        6                    8/1/2005
248605804                                      356                  80                        6                    8/1/2005
248605808                                      176                 100                    10.19                    8/1/2005
248605812                                      356                  80                      7.2                    8/1/2005
248605813                                      356                  70                     6.92                    8/1/2005
248605817                                      176                 100                     9.75                    8/1/2005
248605818                                      356                  80                     7.05                    8/1/2005
248605826                                      176                 100                    10.75                    8/1/2005
248605836                                      176                 100                    11.29                    8/1/2005
248605840                                      176                 100                    10.43                    8/1/2005
248605844                                      357                  80                      6.2                    9/1/2005
248605845                                      356                  80                      7.6                    8/1/2005
248605846                                      176                 100                    11.79                    8/1/2005
248605847                                      176                 100                     8.85                    8/1/2005
248605848                                      176                 100                      9.5                    8/1/2005
248605855                                      176                 100                      9.7                    8/1/2005
248605856                                      357                  80                      7.3                    9/1/2005
248605857                                      357               64.41                     7.36                    9/1/2005
248605861                                      357                  75                     9.18                    9/1/2005
248605863                                      357               67.53                      8.2                    9/1/2005
248605865                                      357                  80                     6.99                    9/1/2005
248605870                                      357                  80                     6.95                    9/1/2005
248605878                                      357                  80                     7.55                    9/1/2005
248605884                                      357                  80                      7.9                    9/1/2005
248605887                                      177                 100                     9.55                    9/1/2005
248605897                                      357                  80                     7.25                    9/1/2005
248605899                                      357                  80                     7.13                    9/1/2005
248605902                                      237                  95                      9.8                    9/1/2005
248605912                                      358                  80                     7.75                   10/1/2005
248605916                                      177                 100                     10.7                    9/1/2005
248605919                                      357                  80                      6.5                    9/1/2005
248605922                                      177                 100                     9.05                    9/1/2005
248605928                                      177                 100                        9                    9/1/2005
248605932                                      357                  80                     7.35                    9/1/2005
248605933                                      177                 100                     9.35                    9/1/2005
248605935                                      358                  80                     6.95                   10/1/2005
248605938                                      358                  80                    6.875                   10/1/2005
248605942                                      357                  80                     6.55                    9/1/2005
248605944                                      358               84.99                      8.4                   10/1/2005
248605948                                      357                  80                      7.3                    9/1/2005
248605952                                      177                 100                    10.89                    9/1/2005
248605953                                      358                  90                      9.3                   10/1/2005
248605954                                      237                 100                    10.49                    9/1/2005
248605955                                      357                  80                      7.5                    9/1/2005
248605956                                      357               88.36                        8                    9/1/2005
248605958                                      357                  90                     7.95                    9/1/2005
248605962                                      357                  90                     8.62                    9/1/2005
248605967                                      357                  80                     7.66                    9/1/2005
248605968                                      177                 100                     10.3                    9/1/2005
248605970                                      357                  80                        7                    9/1/2005
248605974                                      357                  80                     8.25                    9/1/2005
248605976                                      357                  80                     6.57                    9/1/2005
248605977                                      358                  80                     6.69                   10/1/2005
248605981                                      358                  80                     5.97                   10/1/2005
248606000                                      237                 100                      9.7                    9/1/2005
248606005                                      177                 100                     9.95                    9/1/2005
248606008                                      358                  95                     6.75                   10/1/2005
248606009                                      177                 100                    10.43                    9/1/2005
248606024                                      358                  95                     7.25                   10/1/2005
248606037                                      358                  80                     7.65                   10/1/2005
248606045                                      358                  85                      7.4                   10/1/2005
248606054                                      358                  80                      6.8                   10/1/2005
248606112                                      358                  80                     7.75                   10/1/2005
248606118                                      358                  80                        6                   10/1/2005
248606144                                      358                 100                      8.4                   10/1/2005
248606148                                      358                  80                      7.9                   10/1/2005
248606158                                      358                  90                      7.4                   10/1/2005
248606161                                      359                  80                     7.76                   11/1/2005
248606164                                      358               64.81                     6.99                   10/1/2005
248606170                                      358                  80                      7.6                   10/1/2005
248606171                                      358                  70                     8.75                   10/1/2005
248606183                                      359                  80                      6.8                   11/1/2005
248606184                                      359                  90                      6.8                   11/1/2005
248606187                                      358                  90                     6.85                   10/1/2005
248606189                                      358                  80                     5.93                   10/1/2005
248606227                                      358                  80                     8.26                   10/1/2005
248606253                                      179                 100                    10.95                   11/1/2005
248606311                                      179                 100                    10.56                   11/1/2005
248606328                                      359                 100                    10.99                   11/1/2005
248606335                                      359                  95                      9.9                   11/1/2005
248606338                                      179                 100                     8.83                   11/1/2005
248606339                                      359               84.13                     8.95                   11/1/2005
248606341                                      179                 100                     7.79                   11/1/2005
248606346                                      359                  90                      7.8                   11/1/2005
248606352                                      359                 100                     9.99                   11/1/2005
248606363                                      359                 100                     9.87                   11/1/2005
248606369                                      179                 100                      8.5                   11/1/2005
248606370                                      179                 100                    12.33                   11/1/2005
248606383                                      359                 100                     11.6                   11/1/2005
248606420                                      359                  75                     9.85                   11/1/2005
249007080                                      296               84.24                    13.25                   7/10/2000
249007245                                      296               90.19                     12.5                    8/1/2000
249007449                                      297               85.21                    13.35                    9/1/2000
249007515                                      297               71.62                    14.25                    9/1/2000
249023305                                      355                 100                      7.7                   6/15/2005
249023459                                      235                 100                    13.85                    7/1/2005
249023575                                      356               85.49                     8.25                    8/1/2005
249023707                                      356               31.03                      9.8                    8/1/2005
249023733                                      357               80.49                      9.5                   8/15/2005
249023746                                      357                  80                     9.45                    9/1/2005
249023873                                      357               71.22                      7.4                    9/1/2005
249023905                                      357                 100                     7.99                    9/1/2005
249023942                                      357               80.49                     6.25                    9/1/2005
249023956                                      358               60.73                     6.99                   9/15/2005
249023972                                      357                  80                     6.25                    9/1/2005
249024064                                      357                  90                     7.75                    9/1/2005
249024113                                      358                  80                      9.6                   10/1/2005
249024114                                      358               80.49                     6.99                   9/15/2005
249024131                                      358                70.3                     6.25                   10/1/2005
249024171                                      359               75.49                      9.3                  10/15/2005
249024187                                      358               80.49                      7.7                   10/1/2005
249107149                                      116               79.03                    13.15                   7/14/2000
249107256                                      296               79.97                    12.15                    8/1/2000
249121123                                      232                 100                    10.95                    4/1/2005
249121616                                      235                 100                    13.15                    7/1/2005
249121650                                      355               67.47                     9.95                    7/1/2005
249121656                                      235                 100                       13                    7/1/2005
249121766                                      357               55.49                    12.35                    9/1/2005
249121776                                      356                 100                     7.15                   7/15/2005
249121795                                      356               65.36                     8.95                    8/1/2005
249121875                                      177                 100                    13.65                   8/13/2005
249122003                                      357               78.95                     7.75                    9/1/2005
249122037                                      358               73.47                     9.35                   9/15/2005
249122072                                      357               78.18                     8.15                    9/1/2005
249122091                                      358                  90                     7.95                   9/15/2005
249122104                                      177               63.29                      7.6                    9/1/2005
249122109                                      357               44.64                     8.15                    9/1/2005
249122110                                      358                  85                     7.99                   9/15/2005
249122157                                      358                  80                      6.9                   9/15/2005
249122169                                      357               75.49                     6.55                    9/1/2005
249122173                                      358               90.49                     9.25                   9/15/2005
249122194                                      358               39.06                      8.6                   9/15/2005
249122209                                      358               58.33                    10.25                   9/15/2005
249122222                                      358               82.95                        9                   9/15/2005
249122223                                      358                  90                     7.99                   9/15/2005
249122236                                      358               80.49                      6.9                   9/15/2005
249122312                                      358               76.78                      7.7                   9/15/2005
249200018                                       24                  65                     14.7                  11/22/1997
249208152                                      295                  70                    13.85                    7/1/2000
249208164                                      296               83.96                    14.99                   7/12/2000
249208307                                      177               82.71                    12.99                   8/14/2000
249208374                                      298                  70                    14.99                    9/7/2000
249208534                                      297                  90                    12.49                    9/1/2000
249226343                                      354               68.75                     6.99                   5/15/2005
249226422                                      354               49.57                     7.55                    6/1/2005
249226454                                      356               70.49                      9.4                   7/15/2005
249226775                                      355                  80                      8.6                    7/1/2005
249226788                                      356               90.49                     8.35                    8/1/2005
249226805                                      356               85.49                     7.55                    8/1/2005
249226808                                      355                  80                     8.35                    7/1/2005
249226880                                      356                62.5                      9.2                    8/1/2005
249226901                                      175                 100                     11.9                    7/1/2005
249226905                                      356                  70                     9.99                    8/1/2005
249227002                                      357                  70                    10.15                    9/1/2005
249227051                                      357                68.3                      9.9                    9/1/2005
249227063                                      357                  75                     9.75                    9/1/2005
249227080                                      238                  80                     8.45                    9/4/2005
249227165                                      357               80.49                     10.4                    9/1/2005
249227218                                      357               77.42                     7.45                    9/1/2005
249227267                                      357                  80                    11.25                    9/1/2005
249227271                                      357                  80                     9.99                    9/1/2005
249227276                                      358                  80                     7.25                   9/15/2005
249227299                                      357               90.49                     6.45                    9/1/2005
249227311                                      357               90.49                     9.35                    9/1/2005
249227406                                      358               90.49                     6.55                   10/1/2005
249227426                                      358                  80                     9.35                   10/1/2005
249227531                                      358                  50                      9.5                   10/1/2005
249227545                                      358                62.5                     7.75                   10/1/2005
249227661                                      359               75.49                    10.65                  10/15/2005
249305518                                       57                  80                    13.35                    9/1/2000
249305578                                      298                  80                    12.99                    9/8/2000
249320533                                      352                 100                    8.575                   3/15/2005
249320689                                      353               85.49                      7.4                    5/1/2005
249320949                                      235               89.77                    10.35                   6/14/2005
249320999                                      355               80.49                     9.45                    7/1/2005
249321183                                      356               60.77                     9.15                   7/15/2005
249321329                                      356                  80                     8.55                    8/1/2005
249321417                                      237                 100                    12.25                   8/15/2005
249321418                                      357               84.98                      9.4                    9/1/2005
249321500                                      358               58.56                      9.1                   9/15/2005
249321555                                      357               55.52                     11.7                    9/1/2005
249321560                                      358               85.49                     7.65                   9/15/2005
249321582                                      357               31.91                      6.8                    9/1/2005
249321609                                      358                  80                      7.1                   9/15/2005
249321750                                      358               72.98                      8.6                   10/1/2005
249321803                                      358               67.72                     9.25                   10/1/2005
249321872                                      358               85.49                   10.675                   10/1/2005
249403952                                      296               84.49                    12.99                   7/12/2000
249404233                                      297               81.55                    13.95                    9/1/2000
249504115                                      117               77.52                     12.5                   8/15/2000
249504429                                      298                61.3                     13.7                    9/2/2000
249521167                                      351               85.49                     8.45                    3/1/2005
249521952                                      353                 100                      9.5                    5/1/2005
249522316                                      235                 100                     11.4                    7/1/2005
249522493                                      235               99.98                     12.5                    7/1/2005
249522584                                      358               80.49                     9.99                   9/15/2005
249522676                                      356               63.64                     10.4                    8/1/2005
249522706                                      236               90.49                     10.9                    8/1/2005
249522766                                      356               85.49                      7.6                    8/1/2005
249522783                                      357                 100                      9.9                    9/1/2005
249522798                                      356               90.49                     9.25                    8/1/2005
249522816                                      237               92.41                       12                   8/12/2005
249522941                                      357               63.64                     7.15                    9/1/2005
249523026                                      357                 100                     9.85                    9/1/2005
249523068                                      358               85.49                     6.25                   9/15/2005
249523114                                      358               61.26                     10.9                    9/9/2005
249523143                                      358               70.49                     6.25                   10/1/2005
249523148                                      358               85.49                    10.67                   10/1/2005
249523151                                      358               57.02                     6.65                   9/15/2005
249523160                                      358               66.67                      8.8                   10/1/2005
249523163                                      359               52.26                      8.5                  10/15/2005
249523183                                      359               80.49                      7.7                  10/15/2005
249523201                                      358                57.3                     6.25                   10/1/2005
249523210                                      358               75.49                      6.8                   10/1/2005
249523213                                      358                  75                     6.99                   9/15/2005
249523439                                      359               92.94                     12.5                   11/1/2005
249602746                                      296               79.63                    11.99                    8/1/2000
249602976                                      296               63.59                    11.99                    8/1/2000
249615513                                      354               64.81                     9.75                    6/1/2005
249615515                                      356               83.01                     7.99                    8/1/2005
249615565                                      177               73.52                     8.19                    9/1/2005
249615644                                      355               85.49                     8.65                   6/15/2005
249615657                                      235               97.69                       14                   6/14/2005
249615842                                      356               75.49                      7.8                   7/15/2005
249615878                                      357                 100                    9.625                   8/15/2005
249615942                                      356                  90                     8.29                    8/1/2005
249616047                                      356               80.49                     8.95                    8/1/2005
249616081                                      357                  95                     7.99                   8/15/2005
249616099                                      356               85.49                     7.49                    8/1/2005
249616119                                      357               90.49                     8.55                   8/15/2005
249616183                                      357               90.49                     9.99                    9/1/2005
249616193                                      357               70.49                     9.55                    9/1/2005
249616281                                      358               65.49                     8.99                   9/15/2005
249616295                                      358               75.15                      6.9                   9/15/2005
249616315                                      358               80.49                      7.5                   9/15/2005
249616346                                      357               60.49                    11.06                    9/1/2005
249616352                                      358               85.49                     8.99                   9/15/2005
249616370                                      358               70.49                     8.35                   10/1/2005
249616385                                      358               85.49                     7.65                   9/15/2005
249616399                                      358               62.87                     8.35                   9/15/2005
249616451                                      358               76.48                    10.35                   10/1/2005
249616466                                      358               82.45                    10.05                   9/15/2005
249616474                                      358               65.49                     6.75                   10/1/2005
249616497                                      358               70.49                     8.25                   10/1/2005
249616510                                      358                 100                      9.5                   10/1/2005
249616587                                      359                 100                     9.99                   11/1/2005
249616626                                      359               91.38                    10.29                  10/15/2005
249616638                                      358               60.49                     9.99                   10/1/2005
249723869                                      355               80.49                     7.99                    7/1/2005
249723930                                      355                  80                     9.99                    7/1/2005
249723998                                      357               85.49                     8.65                   8/15/2005
249724158                                      355                  59                     8.99                   6/15/2005
249724328                                      355               85.49                     8.75                    7/1/2005
249724391                                      356               85.49                      7.4                   7/15/2005
249724430                                      356                 100                     8.99                   7/15/2005
249724462                                      356               29.41                      6.8                   7/15/2005
249724534                                      357                  95                     9.75                   8/15/2005
249724585                                      358               85.49                      8.5                   9/15/2005
249724605                                      297                38.8                    10.75                    9/1/2005
249724680                                      358               85.49                     8.55                   9/15/2005
249724699                                      236                 100                    10.99                    8/1/2005
249724727                                      357               85.49                     6.25                    9/1/2005
249724730                                      357                  80                    10.56                    9/1/2005
249724740                                      358                  80                     9.75                   9/15/2005
249724773                                      357               80.49                     8.25                    9/1/2005
249724821                                      358                  75                     9.75                   9/15/2005
249724825                                      357                  74                     7.75                    9/1/2005
249724876                                      357                  80                     8.25                    9/1/2005
249724897                                      358                  90                     9.55                   9/15/2005
249724898                                      358               56.55                     6.25                   9/15/2005
249724980                                      358               85.49                     8.05                    9/9/2005
249725054                                      358               85.49                     9.65                   10/1/2005
249725094                                      358                  85                     6.99                   10/1/2005
249725167                                      358               75.49                     9.35                   10/1/2005
249725222                                      359               93.95                     11.9                  10/15/2005
249725262                                      359               67.35                      9.7                  10/15/2005
249800840                                      297                  65                     11.5                    9/1/2000
249801014                                      296               92.68                    10.99                    8/1/2000
249802271                                      297                82.7                     9.99                    9/1/2000
249802655                                      298                  90                    11.35                   10/1/2000
249818257                                      178               58.63                     4.99                    9/8/2005
249818417                                      358               68.18                      4.9                   10/1/2005
250700062                                      356                  95                      7.7                   7/15/2005
250800095                                      354               79.17                        7                   5/15/2005
250800126                                      355                81.6                     6.49                    7/1/2005
250800144                                      355                  80                     6.75                   6/15/2005
250800197                                      355               85.85                     7.25                    7/1/2005
250800212                                      355                80.8                     7.29                    7/1/2005
250800213                                      355                  80                     8.55                    7/1/2005
250800216                                      355                81.6                        6                    7/1/2005
250800222                                      355                  85                     6.59                    7/1/2005
250800256                                      355                  80                      7.6                    7/1/2005
250800271                                      356                81.6                     5.99                   7/15/2005
250800274                                      356                  90                     8.35                   7/15/2005
250800277                                      356                  75                     7.45                    8/1/2005
250800285                                      356               75.45                      7.5                    8/1/2005
250800289                                      357               85.43                      6.9                   8/15/2005
250800290                                      357                  80                      8.8                    9/1/2005
250800299                                      356               61.29                     6.45                    8/1/2005
250800307                                      358                  90                     6.99                   9/15/2005
250800318                                      356                  80                      7.4                    8/1/2005
250800346                                      357                  75                      8.3                    9/1/2005
250800357                                      357               88.64                     7.25                    9/1/2005
250800361                                      357                81.6                     6.75                    9/1/2005
250800375                                      357                  70                      8.9                    9/1/2005
250800419                                      357                  80                     6.75                    9/1/2005
250800424                                      359                  80                     6.55                  10/15/2005
250800437                                      358                  80                     6.45                   9/15/2005
250800441                                      358                81.6                      7.8                   10/1/2005
250800450                                      358                  75                     8.29                   10/1/2005
250800466                                      358                  80                     5.75                   10/1/2005
250800471                                      358                72.1                     8.05                   10/1/2005
250800490                                      358                  80                      6.3                   10/1/2005
250800528                                      359                 100                     10.4                  10/15/2005
250800547                                      239                 100                    10.35                   11/1/2005
250900887                                      355               80.64                     6.74                    7/1/2005
250900895                                      355                  90                        9                   6/15/2005
250900900                                      355                  80                     6.75                   6/15/2005
250900921                                      356                  75                     8.05                   7/15/2005
250900923                                      356               75.49                     7.99                   7/15/2005
250900952                                      356                  90                     8.75                    8/1/2005
250900954                                      356                  65                     7.55                    8/1/2005
250900957                                      356                  85                      7.1                    8/1/2005
250900976                                      357                  80                     7.35                   8/15/2005
250901010                                      358               77.06                     7.85                   10/1/2005
250901041                                      358               84.66                      6.1                   10/1/2005
250901058                                      359                 100                     9.95                   11/1/2005
250901067                                      359                 100                    11.65                  10/15/2005
251100651                                      355                  80                      6.4                    7/1/2005
251100682                                      355                  70                    11.99                    7/1/2005
251100693                                      355               81.12                     6.55                    7/1/2005
251100698                                      356                  80                     6.99                    8/1/2005
251100703                                      356               85.42                     6.99                    8/1/2005
251100706                                      356               82.68                     7.25                    8/1/2005
251100714                                      356                  80                     6.55                    8/1/2005
251100715                                      356               82.71                     6.75                    8/1/2005
251100729                                      357                  80                     5.95                    9/1/2005
251100731                                      357               80.02                      6.1                    9/1/2005
251100747                                      357                  80                     6.05                    9/1/2005
251100764                                      357                  90                     6.75                    9/1/2005
251100772                                      358                63.2                      6.7                   10/1/2005
251100783                                      357                  80                     7.65                    9/1/2005
251100786                                      177                 100                     9.99                    9/1/2005
251100829                                      358                  80                        6                   10/1/2005
251100843                                      358                  80                      5.9                   10/1/2005
251100844                                      179                 100                    10.05                   11/1/2005
251100861                                      179               99.92                    10.25                   11/1/2005
251100872                                      359                 100                     8.75                   11/1/2005
251100893                                      359                  80                      5.4                   11/1/2005
251201053                                      355                  90                     9.05                    7/1/2005
251201103                                      356                92.7                     7.16                    8/1/2005
251201124                                      356                 100                     7.99                    8/1/2005
251201196                                      358                  90                     6.98                   9/15/2005
251201206                                      358                  90                     8.25                   10/1/2005
251301254                                      355                70.7                      7.8                    7/1/2005
251301301                                      356                82.4                      7.9                    8/1/2005
251301305                                      356                  80                     9.45                    8/1/2005
251301315                                      357                  90                      7.2                   8/15/2005
251301331                                      357                  80                     8.99                   8/15/2005
251400937                                      355               42.08                     6.95                   6/15/2005
251400972                                      356                  80                      6.6                    8/1/2005
251401004                                      356                  80                     6.99                   7/15/2005
251401008                                      355                  90                      7.8                    7/1/2005
251401040                                      356                82.9                     6.49                    8/1/2005
251401062                                      356                  95                      7.9                    8/1/2005
251401093                                      357               62.12                     7.35                    9/1/2005
251401143                                      358               57.22                     8.25                   9/15/2005
251401148                                      358                  80                      6.4                   9/15/2005
251401183                                      359                 100                      9.5                  10/15/2005
251401198                                      358                 100                      8.8                   10/1/2005
251401234                                      359                 100                      9.8                   11/1/2005
251500889                                      354               83.41                     6.95                   5/15/2005
251500916                                      355                82.4                     7.61                   6/15/2005
251500941                                      355                82.4                     6.55                   6/15/2005
251500947                                      355                  80                    6.675                    7/1/2005
251500956                                      355                90.9                        8                    7/1/2005
251500982                                      355                 100                      8.7                    7/1/2005
251501002                                      356                  85                      8.1                    8/1/2005
251501028                                      356                  80                     6.75                    8/1/2005
251501032                                      356                  80                     6.85                    8/1/2005
251501044                                      357               75.75                     7.65                    9/1/2005
251501047                                      357                  80                     8.05                    9/1/2005
251501065                                      357               74.06                     6.85                    9/1/2005
251501070                                      358                  50                     8.65                   10/1/2005
251501086                                      357               88.05                      5.4                    9/1/2005
251501135                                      358                82.4                     5.55                   10/1/2005
251501162                                      359                 100                      9.5                  10/15/2005
251501165                                      358                  80                      6.8                   10/1/2005
251501197                                      359                  80                     5.75                  10/15/2005
251501199                                      359                 100                     10.8                  10/15/2005
251600978                                      353                  80                     7.35                    5/1/2005
251601038                                      354                  80                     6.95                   5/15/2005
251601169                                      355                  80                      6.9                    7/1/2005
251601213                                      236                 100                     12.2                    8/1/2005
251601218                                      357                80.8                     7.95                   8/15/2005
251601284                                      358                82.4                     6.25                   9/15/2005
251601290                                      357               85.85                      6.5                    9/1/2005
251601321                                      358                  90                     6.99                   10/1/2005
251601351                                      359                  80                      6.4                  10/15/2005
251601352                                      239                 100                     10.8                   10/8/2005
251601362                                      358                  80                     6.55                   10/1/2005
251601373                                      358               69.77                     6.35                   10/1/2005
251601388                                      359                  80                      5.9                  10/15/2005
251601389                                      359                 100                     9.55                   10/8/2005
252004760                                      355                 100                      7.6                    7/1/2005
252004802                                      356                72.1                     9.14                    8/1/2005
252004856                                      356                  80                     7.39                    8/1/2005
252004868                                      357               85.37                      8.9                   8/15/2005
252004887                                      357               74.67                     8.35                    9/1/2005
252004960                                      358                  90                     8.99                   9/15/2005
252005002                                      358                 100                     8.49                   10/1/2005
252005034                                      358                  85                     8.49                   10/1/2005
252005046                                      358               67.12                     8.25                   10/1/2005
252005053                                      359                 100                      7.2                  10/15/2005
252005082                                      359                 100                     10.2                   10/9/2005
252005096                                      359                 100                     11.2                   11/1/2005
252005109                                      359                 100                     9.75                   11/1/2005
252005137                                      359                  90                     9.99                   11/1/2005
252205402                                      355               70.49                     9.65                    7/1/2005
252205571                                      354               75.35                     7.75                    6/1/2005
252205656                                      355               70.49                      8.9                    7/1/2005
252205925                                      356                  75                      9.9                    8/1/2005
252206168                                      357               80.49                     8.25                    9/1/2005
252206194                                      356                  85                      8.5                    8/1/2005
252206225                                      356               79.29                      8.3                    8/1/2005
252206278                                      357               80.49                     8.49                   8/15/2005
252206356                                      357                  85                     7.35                    9/1/2005
252206398                                      358                  90                     9.99                   9/15/2005
252206601                                      358               84.86                     9.75                   10/1/2005
252402166                                      341               73.43                      7.5                    5/1/2004
252405038                                      355                69.8                      7.3                    7/1/2005
252405039                                      355                  90                     9.99                    7/1/2005
252405092                                      236                90.8                    11.15                   7/13/2005
252405120                                      355               72.33                     7.99                    7/1/2005
252405199                                      356                 100                      8.4                   7/15/2005
252405263                                      356                  80                      9.4                   7/15/2005
252405272                                      356               80.49                     9.99                    8/1/2005
252405280                                      236               97.43                    13.95                   7/15/2005
252405303                                      356                  95                    11.85                    8/1/2005
252405313                                      358                  70                     7.99                   9/15/2005
252405353                                      357               77.23                     9.15                    9/1/2005
252405394                                      357                  95                      7.2                   8/15/2005
252405412                                      356               75.49                     9.79                    8/1/2005
252405454                                      237               95.83                    13.35                    9/1/2005
252405458                                      357               85.49                     6.35                    9/1/2005
252405512                                      358                72.5                      7.3                    9/8/2005
252405569                                      237               78.69                      8.5                    9/1/2005
252405602                                      357               63.16                     9.89                    9/1/2005
252405626                                      358               75.49                      8.3                   9/15/2005
252405628                                      357               94.89                      9.8                    9/1/2005
252405643                                      357               82.77                     7.37                    9/1/2005
252405647                                      357               58.33                      8.4                    9/1/2005
252405659                                      358               75.17                        8                   9/15/2005
252405679                                      358                  90                     6.45                   10/1/2005
252405705                                      358                  95                     8.99                   9/15/2005
252405711                                      358               90.49                     6.25                   9/15/2005
252405755                                      358                  85                     8.99                   9/15/2005
252405768                                      358               59.48                      6.6                   10/1/2005
252405964                                      359               65.49                    10.45                   11/1/2005
252505413                                      355               99.78                     9.75                    7/1/2005
252505561                                      355                 100                      9.4                    7/1/2005
252505614                                      355               76.86                      8.5                    7/1/2005
252505651                                      356                  85                    10.99                   7/15/2005
252505665                                      355               64.11                     9.45                    7/1/2005
252505667                                      356               62.16                     8.75                   7/15/2005
252505688                                      356               75.36                     7.95                    8/1/2005
252505751                                      356               69.44                      7.3                    8/1/2005
252505803                                      357               82.43                     7.95                    9/1/2005
252505818                                      358               80.65                     8.05                   9/15/2005
252505825                                      357                  85                      6.7                   8/15/2005
252505832                                      357                83.6                     7.99                    9/1/2005
252505833                                      356               65.49                      7.4                    8/1/2005
252505926                                      358                  90                      7.8                   9/15/2005
252505944                                      358               68.04                      6.9                   9/15/2005
252505947                                      358                  80                     8.35                    9/8/2005
252505948                                      358               80.49                      9.3                   9/15/2005
252505949                                      358               45.14                      7.7                   9/15/2005
252505955                                      358               49.13                     8.35                   10/1/2005
252505965                                      358               78.88                    10.05                    9/5/2005
252505978                                      358               66.76                     6.25                   9/15/2005
252505986                                      357               75.49                     8.65                    9/1/2005
252505991                                      358               66.09                      6.6                   9/15/2005
252506001                                      358               77.95                      6.9                   9/15/2005
252506011                                      358                 100                      8.2                   9/15/2005
252506020                                      358                 100                     10.2                   10/1/2005
252506124                                      358                  90                     6.99                   10/1/2005
252506173                                      358               75.49                      8.6                   10/1/2005
252506180                                      358               79.44                      7.8                   10/1/2005
252607132                                      356               86.21                     8.99                    8/1/2005
252707582                                      354                  59                      7.3                   5/12/2005
252707782                                      355               52.49                      7.5                    7/1/2005
252707984                                      355               75.49                     7.99                    7/1/2005
252708030                                      354               90.49                     8.99                    6/1/2005
252708083                                      357               85.49                     6.55                   8/15/2005
252708333                                      356                  83                     8.75                   7/15/2005
252708350                                      357                 100                      7.3                   8/15/2005
252708421                                      175               88.82                     8.75                    7/1/2005
252708476                                      356               77.14                     6.45                    8/1/2005
252708675                                      357               85.49                     9.25                   8/15/2005
252708690                                      356               93.68                      7.5                   7/15/2005
252708818                                      177               90.49                      8.9                    9/1/2005
252708921                                      357                72.8                     6.25                    9/1/2005
252708927                                      357                  95                     8.47                    9/1/2005
252708933                                      357               71.66                     8.35                   8/15/2005
252708938                                      358               87.59                     7.15                   9/15/2005
252709034                                      178                  60                     6.99                    9/8/2005
252709055                                      357               61.23                     6.99                    9/1/2005
252709086                                      357               85.49                      8.1                    9/1/2005
252709130                                      358                  80                     6.99                    9/9/2005
252709134                                      357                  90                     7.85                    9/1/2005
252709146                                      357               34.38                     6.25                    9/1/2005
252709184                                      358                  80                    10.05                   10/1/2005
252709215                                      358                  95                        9                   10/1/2005
252709352                                      358                62.5                     6.25                   10/1/2005
252709358                                      358               77.52                     6.65                   10/1/2005
252808305                                      355               80.49                     9.99                    7/1/2005
252808311                                      175                 100                     12.7                   6/14/2005
252808444                                      356               79.47                      7.7                   7/15/2005
252808455                                      355                  90                     7.75                    7/1/2005
252808550                                      355               46.97                     7.35                    7/1/2005
252808710                                      176                 100                     10.7                    8/1/2005
252808831                                      356               85.49                     8.99                    8/1/2005
252808920                                      358               74.55                     11.1                   9/15/2005
252808973                                      357                  70                     6.45                    9/1/2005
252808975                                      177                  95                      8.4                   8/15/2005
252808993                                      357               57.14                     8.15                    9/1/2005
252808998                                      357                  95                     9.45                    9/1/2005
252809011                                      357                  80                     7.95                    9/1/2005
252809030                                      358               55.56                     10.4                   10/1/2005
252809049                                      117               90.49                     9.75                    9/1/2005
252809056                                      358               50.28                      9.6                   9/15/2005
252809068                                      358               51.85                     6.25                   9/15/2005
252809080                                      357                  80                      8.7                    9/1/2005
252809085                                      357               57.22                     6.25                    9/1/2005
252809170                                      358               51.43                       12                   9/15/2005
252809175                                      357                88.6                     7.75                    9/1/2005
252809178                                      357               85.49                     8.95                    9/1/2005
252809191                                      357               84.61                     9.25                    9/1/2005
252809209                                      357               13.89                        9                    9/1/2005
252809216                                      357               75.49                     7.85                    9/1/2005
252809251                                      358                  80                    10.43                   9/15/2005
252809315                                      358               87.72                     9.25                   9/15/2005
252809316                                      358                  80                     6.99                   10/1/2005
252809323                                      358               80.65                     9.25                   9/15/2005
252809366                                      358               59.52                      6.5                   10/1/2005
252809451                                      359               73.68                     9.35                  10/15/2005
253004528                                      355               87.39                     7.35                    7/1/2005
253004530                                      356                  80                     7.45                    8/1/2005
253004689                                      355               85.49                     7.99                    7/1/2005
253004723                                      175                  75                     9.49                    7/1/2005
253004757                                      355                  90                      7.5                    7/1/2005
253004911                                      355               75.49                      6.9                    7/1/2005
253005024                                      356                  80                     9.99                    8/1/2005
253005093                                      357                  80                     7.85                    9/1/2005
253005113                                      357               90.49                     7.85                   8/15/2005
253005171                                      357                 100                     7.35                    9/1/2005
253005176                                      357                  80                     8.45                    8/6/2005
253005198                                      357                  80                     6.25                    9/1/2005
253005261                                      237               95.48                     10.3                   8/13/2005
253005289                                      357               75.35                     7.35                   8/15/2005
253005338                                      357               71.25                     6.99                    9/1/2005
253005379                                      357               88.91                    6.485                    9/1/2005
253005409                                      357                  80                    10.05                    9/1/2005
253005434                                      357                  90                     7.89                    9/1/2005
253005439                                      357               90.11                     8.85                    9/1/2005
253005512                                      358               78.44                     6.25                   9/15/2005
253005530                                      357               75.49                     8.35                    9/1/2005
253005590                                      357               85.13                      8.2                    9/1/2005
253005594                                      358               67.27                      9.5                   9/15/2005
253005609                                      358                  70                     6.25                   9/15/2005
253005660                                      358               51.33                     6.25                   10/1/2005
253005861                                      358               68.39                    10.13                   10/1/2005
253006075                                      359                  90                    11.05                  10/14/2005
253104391                                      357                  70                     5.65                    9/1/2005
253203467                                      234               85.49                     8.99                   5/15/2005
253203661                                      354               90.49                      7.9                    6/1/2005
253203935                                      355                  79                     7.49                    7/1/2005
253203946                                      355                 100                     7.79                   6/15/2005
253204088                                      236                 100                    14.25                    8/1/2005
253204222                                      356                 100                     8.05                    8/1/2005
253204300                                      357               66.22                      7.1                    9/1/2005
253204309                                      176                 100                    10.35                    8/1/2005
253204427                                      357               85.49                     8.55                    9/1/2005
253204450                                      178                  52                     6.99                   9/10/2005
253204611                                      358               75.96                     6.25                   9/15/2005
253204715                                      358               65.53                     6.25                   10/1/2005
253204754                                      358                79.1                     6.25                   10/1/2005
253204926                                      359                 100                    11.85                   11/1/2005
253303578                                      355                 100                     8.75                    7/1/2005
253303642                                      356                 100                     7.99                    8/1/2005
253303651                                      236               99.97                    12.65                   7/15/2005
253303652                                      356               94.62                      7.9                   7/15/2005
253303702                                      236                 100                     12.9                    8/1/2005
253303818                                      236               96.85                    12.75                   7/15/2005
253303846                                      356               28.09                      7.5                    8/1/2005
253303959                                      358               62.07                      9.5                   9/15/2005
253304063                                      357               72.46                     6.25                    9/1/2005
253304133                                      357                  85                      7.8                    9/1/2005
253304149                                      358               39.45                     6.85                   10/1/2005
253304188                                      358               85.49                      9.3                   9/15/2005
253304194                                      358               63.64                      9.4                   10/1/2005
253304269                                      358               64.85                     6.25                   10/1/2005
253304320                                      358                  85                      9.9                   9/15/2005
253304423                                      358               82.75                     7.99                   10/1/2005
253304467                                      359               86.17                     7.99                  10/15/2005
253401444                                      229                 100                     13.9                    1/1/2005
253402434                                      355                  95                     7.95                    7/1/2005
253402476                                      236                  85                     8.85                    8/1/2005
253402667                                      356                  95                     7.25                    8/1/2005
253402773                                      358               85.49                     9.55                   9/15/2005
253402776                                      357               85.45                     6.95                    9/1/2005
253402849                                      357               80.49                     7.25                    9/1/2005
253402855                                      357                  85                      7.1                    9/1/2005
253402864                                      358                  90                     8.35                   9/15/2005
253402898                                      358                  80                      9.8                   9/15/2005
253402905                                      358               75.49                    10.81                   10/1/2005
253402918                                      357                  90                     8.85                    9/1/2005
253503284                                      175                 100                    11.99                    7/1/2005
253503476                                      356               80.49                        7                   7/15/2005
253503546                                      356                 100                     9.25                   7/15/2005
253503827                                      358               63.13                        7                   9/15/2005
253504024                                      357                  90                      6.9                    9/1/2005
253504036                                      357                82.9                     6.75                    9/1/2005
253504206                                      358               75.49                     6.25                   10/1/2005
253504251                                      358               77.06                     9.45                   10/1/2005
253603332                                      355               69.17                    10.93                   6/15/2005
253603370                                      354                  50                     10.6                    6/1/2005
253603384                                      355                 100                      7.7                    7/1/2005
253603491                                      355               74.07                     7.75                    7/1/2005
253603508                                      356                  80                    10.25                    8/1/2005
253603544                                      356                  80                      7.9                    8/1/2005
253603779                                      358               52.63                     8.05                   9/15/2005
253603784                                      357                  80                      9.5                    9/1/2005
253603811                                      357                  75                    10.56                    9/1/2005
253603841                                      357                  80                     8.25                    9/1/2005
253603863                                      358                  70                     7.95                   9/15/2005
253603871                                      118               59.09                      9.8                    9/8/2005
253603898                                      358               63.29                     7.85                   10/1/2005
253603922                                      358               72.09                    10.43                   9/15/2005
253603965                                      358               56.25                    10.52                   10/1/2005
253603974                                      358                  75                     8.65                   9/15/2005
253604021                                      358               72.73                      7.2                   9/15/2005
253604091                                      358               43.48                    10.31                   10/1/2005
253604107                                      358               65.36                       10                   10/1/2005
253604119                                      358                  80                     10.2                   10/1/2005
253604151                                      359                  75                     9.75                  10/15/2005
253704663                                      352               52.27                     6.25                   3/15/2005
253705301                                      356               84.02                     11.5                   7/15/2005
253705354                                      174                 100                    10.99                    6/1/2005
253705381                                      175               92.42                    11.25                   6/14/2005
253705524                                      355               70.49                     11.4                    7/1/2005
253705575                                      356               85.49                     6.99                    8/1/2005
253705590                                      176               93.67                     11.6                    7/7/2005
253705654                                      235                 100                     11.5                    7/1/2005
253705672                                      356               60.49                     8.05                   7/15/2005
253705708                                      357               65.49                      8.6                    9/1/2005
253705723                                      357                  95                    6.375                   8/15/2005
253705852                                      176               99.42                     10.1                    8/1/2005
253705995                                      358               54.35                      8.9                   9/15/2005
253706019                                      358               77.11                     8.45                   9/13/2005
253706029                                      358               85.49                     7.99                   9/15/2005
253706043                                      357               85.49                     7.99                    9/1/2005
253706061                                      358               67.96                     8.75                   9/15/2005
253706128                                      358               41.37                     6.25                   9/15/2005
253706130                                      357               80.49                      6.5                    9/1/2005
253706168                                      358               85.49                     6.95                   9/15/2005
253706176                                      358               80.49                      9.5                   10/1/2005
253706254                                      358               80.49                     8.35                   10/1/2005
253706508                                      359               85.49                     7.05                   11/1/2005
253804826                                      235               97.09                    11.99                    7/1/2005
253804859                                      175                 100                    11.55                   6/11/2005
253804930                                      356                  95                        8                    8/1/2005
253805045                                      236               95.41                    10.65                    8/1/2005
253805091                                      357               87.68                     6.25                    9/1/2005
253805098                                      357               90.49                     7.65                    9/1/2005
253805116                                      357               59.62                     9.25                    9/1/2005
253805173                                      358                74.6                     6.99                   9/15/2005
253805212                                      358               85.49                     6.25                   10/1/2005
253905227                                      232                 100                    10.99                   3/14/2005
253905726                                      355                 100                     6.95                    7/1/2005
253906095                                      237               93.24                    10.25                   8/14/2005
253906159                                      357                  60                     6.75                    9/1/2005
253906161                                      237                 100                    11.64                   8/15/2005
253906260                                      357               75.21                     6.25                    9/1/2005
253906311                                      358               85.49                    7.635                   9/15/2005
253906316                                      358               67.57                     6.25                   9/15/2005
254006509                                      235                 100                     11.7                   6/13/2005
254006566                                      355                  70                     6.99                   6/15/2005
254006629                                      355               31.43                      7.4                    7/1/2005
254006706                                      355               85.49                     7.99                    7/1/2005
254006813                                      358               70.23                     9.99                   10/1/2005
254006816                                      355               80.49                     7.99                    7/1/2005
254006880                                      357               37.38                     8.25                   8/15/2005
254007034                                      356                  70                     7.99                    8/1/2005
254007036                                      356                  80                     7.35                    8/1/2005
254007056                                      236                 100                    12.75                    8/1/2005
254007107                                      358                  80                     6.25                   9/15/2005
254007126                                      237                 100                     12.8                    9/1/2005
254007145                                      356               70.49                      9.9                    8/1/2005
254007182                                      357                  90                     8.95                    9/1/2005
254007288                                      358                  90                     10.5                   9/15/2005
254007361                                      358               22.53                      6.5                   10/1/2005
254104528                                      349                  90                        6                    1/1/2005
254106092                                      355               35.92                     8.85                    7/1/2005
254106264                                      355               52.43                    10.25                   6/15/2005
254106344                                      356                  85                     9.65                    8/1/2005
254106386                                      355               80.49                     7.25                    7/1/2005
254106471                                      236               99.29                    12.97                    8/1/2005
254106543                                      357               74.23                      9.3                    9/1/2005
254106553                                      236                 100                    12.44                    8/1/2005
254106747                                      357               79.48                     8.75                    9/1/2005
254106759                                      357               61.11                     10.3                    9/1/2005
254106783                                      358               35.76                     6.99                   9/15/2005
254106795                                      357                  45                     6.25                    9/1/2005
254106817                                      358               49.24                     8.75                   9/15/2005
254106908                                      358               54.73                     6.25                   9/15/2005
254106922                                      358                  90                     7.75                   9/15/2005
254107001                                      358               61.97                     6.45                   9/15/2005
254107065                                      358               80.49                     6.99                   10/1/2005
254107079                                      359                  90                      9.4                  10/15/2005
254107085                                      358               60.71                     6.25                   10/1/2005
254205357                                      355               60.59                    11.35                    7/1/2005
254205584                                      357               80.49                     8.16                    9/1/2005
254205672                                      358               65.85                    10.68                   10/1/2005
254205675                                      357               60.49                        7                    9/1/2005
254205682                                      358               32.07                    10.68                   10/1/2005
254205714                                      358                  65                      6.5                   10/1/2005
254205739                                      358               88.84                      8.7                   9/15/2005
254205800                                      358               64.11                     8.99                   10/1/2005
254205977                                      359                  90                     8.45                   11/1/2005
254507692                                      354                84.1                    6.895                   5/15/2005
254507730                                      234                 100                   11.595                    6/1/2005
254507798                                      355               75.49                      9.9                   6/15/2005
254508591                                      356                 100                      9.1                    8/1/2005
254508653                                      237                 100                     11.6                    9/1/2005
254508701                                      358                  75                     9.85                   10/1/2005
254508741                                      357               80.49                     9.99                    9/1/2005
254508744                                      357               90.49                     6.99                    9/1/2005
254508786                                      357                  45                     7.65                    9/1/2005
254508819                                      357               59.17                      7.2                    9/1/2005
254508846                                      357               52.63                     6.25                    9/1/2005
254508891                                      177                97.7                     11.3                    9/1/2005
254508918                                      358               70.49                     9.45                   9/15/2005
254508995                                      359               93.78                     11.3                  10/12/2005
254509008                                      358               46.93                     6.45                   9/15/2005
254509049                                      358               40.28                        7                   10/1/2005
254509055                                      359               57.14                     9.25                  10/15/2005
254509109                                      358               65.49                     9.15                   10/1/2005
254509147                                      359                  55                    10.35                   11/1/2005
254509158                                      358               75.49                     6.25                   10/1/2005
254509195                                      359                 100                    11.99                   11/1/2005
254509259                                      358               75.49                     8.65                   10/1/2005
254509273                                      359               99.99                    11.55                   11/1/2005
254509306                                      359               38.71                      9.2                   11/1/2005
254607022                                      356               75.42                     6.25                   7/15/2005
254607120                                      235                 100                    11.96                    7/1/2005
254607148                                      355               60.49                     8.75                    7/1/2005
254607240                                      357               60.48                     8.35                    9/1/2005
254607377                                      356               63.24                       10                    8/1/2005
254607394                                      357               80.48                     6.85                    9/1/2005
254607409                                      357               80.49                     7.75                    9/1/2005
254607428                                      356               85.49                     8.75                    8/1/2005
254607440                                      237               95.09                     11.7                    9/1/2005
254607565                                      357                76.6                     6.99                    9/1/2005
254607591                                      358               70.32                    10.63                   9/15/2005
254607636                                      358               66.37                     7.55                    9/5/2005
254607651                                      357               85.49                     9.85                    9/1/2005
254607690                                      359                90.1                        9                   11/1/2005
254607705                                      358               60.76                     8.99                   9/15/2005
254706068                                      175               98.15                     11.8                   6/14/2005
254706292                                      176                  95                    10.55                    8/1/2005
254706338                                      356                 100                     8.25                    8/1/2005
254706413                                      357               65.47                     8.55                   8/15/2005
254706453                                      358               80.49                     7.75                   9/15/2005
254706454                                      358                69.9                     9.45                    9/9/2005
254706506                                      357               90.49                     6.25                    9/1/2005
254706570                                      237               58.75                     6.99                    9/1/2005
254706585                                      358               70.45                     6.25                   9/15/2005
254706601                                      357               80.49                     9.99                    9/1/2005
254706621                                      358               90.42                     6.25                   9/15/2005
254706637                                      358               80.49                      7.8                    9/3/2005
254706648                                      358               23.64                     8.35                   9/15/2005
254706662                                      358               79.99                     6.25                   9/15/2005
254706670                                      358               85.48                     6.25                   9/15/2005
254706754                                      358               52.54                     6.25                   10/1/2005
254706829                                      358               85.49                     6.25                   10/1/2005
254808619                                      356               72.92                      9.3                   7/15/2005
254809462                                      356                  78                     10.4                    8/1/2005
254809668                                      357                  75                     11.2                    9/1/2005
254809798                                      357                  80                    10.44                    9/1/2005
254809813                                      357               64.63                    10.55                    9/1/2005
254809819                                      357               36.36                     11.2                    9/1/2005
254809837                                      357                  80                     8.75                    9/1/2005
254809841                                      357                  70                     11.7                    9/1/2005
254809846                                      357                  80                    10.75                    9/1/2005
254809852                                      357                  80                        7                    9/1/2005
254809869                                      177               58.14                     8.95                    9/1/2005
254809880                                      358                  80                    10.56                   10/1/2005
254809898                                      358               43.62                      9.5                   9/15/2005
254809930                                      357               41.67                    10.56                    9/1/2005
254809942                                      357               48.31                      8.8                    9/1/2005
254810033                                      358                  80                      8.9                   9/15/2005
254810038                                      358               62.89                     9.45                    9/9/2005
254810285                                      359                  80                      8.9                   11/1/2005
254908241                                      348               78.95                     7.25                   12/1/2004
254909984                                      356                  65                     8.35                   7/15/2005
254910211                                      356                  80                    11.18                    8/1/2005
254910429                                      357               87.74                     9.99                    9/1/2005
254910432                                      357               71.43                    11.75                   8/15/2005
254910518                                      357                  80                     9.99                    9/1/2005
254910539                                      357                  75                     9.99                    9/1/2005
254910557                                      358                  80                     7.06                   9/15/2005
254910573                                      237               66.42                    11.48                    9/1/2005
254910639                                      357               71.53                      8.5                    9/1/2005
254910655                                      358                62.5                    10.38                   9/15/2005
254910665                                      118                  80                     7.95                    9/5/2005
254910775                                      358               49.02                    10.38                   10/1/2005
254911050                                      359                70.4                      9.5                   11/1/2005
255001194                                      176                  75                    12.15                   7/19/2000
255001356                                      177               76.56                     13.4                   8/18/2000
255001363                                      297                  75                     13.5                    9/1/2000
255001408                                      297                  80                     11.9                    9/1/2000
255001426                                      118                  80                     12.9                   10/1/2000
255102719                                      296                  90                     12.3                   7/14/2000
255103898                                      296               79.95                     12.8                    8/1/2000
255103917                                      116                  80                     14.2                    8/1/2000
255103988                                      176               57.42                    13.85                    8/1/2000
255302046                                      176               67.27                    12.85                    8/1/2000
255302275                                      140                  80                       13                    8/1/2000
255302284                                       79                  80                    13.75                    7/1/2000
255302300                                      115                  80                    12.85                    7/1/2000
255302601                                      118               67.94                     12.7                    9/7/2000
255302749                                       58               59.09                     11.8                   9/14/2000
255316280                                      345               59.52                    10.25                    9/1/2004
255318896                                      355                  80                     7.99                    7/1/2005
255319032                                      356                  80                     8.99                    8/1/2005
255319053                                      357                  80                    10.94                   8/15/2005
255319068                                      356               70.42                     10.8                    8/1/2005
255319090                                      356                  80                     10.2                    8/1/2005
255319185                                      357               68.75                     9.99                   8/15/2005
255319221                                      357                  80                     7.75                    9/1/2005
255319294                                      357                  80                    11.31                    9/1/2005
255319315                                      238               21.83                     7.65                    9/2/2005
255319319                                      358               70.42                    10.65                   9/15/2005
255319328                                      237                  75                     12.5                    9/1/2005
255319351                                      358                  75                    10.56                   10/1/2005
255319380                                      357                  75                     9.45                    9/1/2005
255319402                                      358                  75                    10.68                   9/15/2005
255319406                                      358               74.07                     6.99                    9/9/2005
255319463                                      358                  75                     8.25                    9/9/2005
255319590                                      358                  70                     8.99                   10/1/2005
255401269                                      295                  60                    15.45                    7/1/2000
255401511                                      177                  70                     12.2                    9/1/2000
255411430                                      107               75.49                    10.55                   11/1/2004
255412771                                      354                  75                      8.9                   5/15/2005
255413487                                      356               43.48                    10.99                   7/15/2005
255413576                                      357               60.42                     11.7                    9/1/2005
255413646                                      358                  50                    10.64                   10/1/2005
255413649                                      357                  80                     9.75                    9/1/2005
255413717                                      357               38.46                        9                    9/1/2005
255413747                                      118                  70                     7.75                    9/9/2005
255413750                                      358               69.44                      9.4                   9/15/2005
255413752                                      358               69.31                      7.4                   9/15/2005
255413771                                      358               68.49                     10.4                   10/1/2005
255413834                                      359               68.03                    10.56                  10/15/2005
255501729                                      295                  80                    12.85                    7/1/2000
255501783                                      116                  80                    14.25                    8/1/2000
255501785                                      116               57.14                     14.5                    8/1/2000
255602113                                      235                  75                     14.8                    7/1/2000
255602269                                      296               30.12                    11.45                   7/14/2000
255602299                                      176               72.73                     12.7                    8/1/2000
255602590                                      297                  80                    13.25                    9/1/2000
255615155                                      354               78.94                     7.99                    6/1/2005
255615253                                      356                  70                    10.93                    8/1/2005
255615409                                      296                  72                     7.99                   7/13/2005
255615530                                      118               38.22                      7.5                   9/11/2005
255615609                                      357               73.89                     10.5                    9/1/2005
255615611                                      178               33.33                      7.6                    9/3/2005
255615613                                      357                  70                     9.65                    9/1/2005
255615691                                      237                78.5                      8.6                    9/1/2005
255615694                                      357               74.63                    10.65                    9/1/2005
255615698                                      357                  75                     8.05                    9/1/2005
255615731                                      357                  80                     8.85                    9/1/2005
255615747                                      358               80.49                     6.95                   10/1/2005
255615754                                      357                  80                     6.99                    9/1/2005
255615760                                      358               48.27                     8.85                   9/15/2005
255615770                                      358               53.19                     9.75                   9/15/2005
255615779                                      358                62.5                      8.4                    9/5/2005
255615803                                      357               72.45                      8.9                    9/1/2005
255615812                                      358               80.47                     9.25                   9/15/2005
255615816                                      358               52.08                      9.5                   9/15/2005
255615855                                      358                  80                      9.8                   9/15/2005
255616068                                      359                  75                     10.6                  10/15/2005
255616075                                      358                59.8                     7.25                   10/1/2005
255616087                                      359                  70                     9.99                  10/15/2005
255702407                                      177               67.55                    14.25                    9/1/2000
255702452                                      296                  80                    11.99                    8/1/2000
255702537                                      298                  80                     12.9                    9/7/2000
255702611                                      298               79.94                    14.25                   9/14/2000
255714800                                      355               59.34                     9.65                    7/1/2005
255714807                                      357                61.4                     10.9                   8/15/2005
255715031                                      357                  80                     7.75                    9/1/2005
255715040                                      176                  80                     10.5                   7/10/2005
255715122                                      118               76.39                      8.3                    9/3/2005
255715130                                      358                  80                     8.45                   9/15/2005
255715152                                      359               49.85                    10.68                  10/15/2005
255715178                                      358                  75                      9.8                   9/15/2005
255715202                                      357                  65                     9.25                    9/1/2005
255715229                                      357               70.37                      7.4                    9/1/2005
255715230                                      358                  80                     9.99                   10/1/2005
255715248                                      358               67.57                      7.4                   10/1/2005
255715272                                      358                  70                      8.3                    9/8/2005
255715284                                      358               72.31                     6.25                   9/15/2005
255715292                                      358                  80                      7.4                   9/15/2005
255715337                                      358                  70                        7                   9/15/2005
255715477                                      358                  75                      9.8                   10/1/2005
255800655                                      295                  80                     14.4                    7/1/2000
255800658                                       55                  80                    12.95                    7/1/2000
255800724                                      115                  80                    12.75                    7/1/2000
255800728                                       58               72.47                     14.2                   10/1/2000
255800943                                      177                  80                    12.95                    9/1/2000
255811958                                      352                  75                     9.99                    4/1/2005
255812457                                      174                  75                     10.9                   5/15/2005
255812495                                      355               68.16                    11.05                    7/1/2005
255812505                                      234                  70                     11.4                    6/1/2005
255812979                                      357               58.14                     11.1                   8/13/2005
255813030                                      358               44.25                      9.5                   10/1/2005
255813042                                      357                  70                     10.8                   8/15/2005
255813107                                      356                  75                     7.99                    8/1/2005
255813140                                      178               41.12                      9.7                   10/1/2005
255813161                                      358                  80                     9.55                   10/1/2005
255813184                                      357                  75                      9.6                   8/15/2005
255813223                                      177                  75                     10.4                    9/1/2005
255813249                                      237               52.85                     8.99                    9/1/2005
255813261                                      357                  80                      9.8                    9/1/2005
255813279                                      357               63.15                     7.68                    9/1/2005
255813285                                      357                  80                      8.9                    9/1/2005
255813321                                      357               66.67                    10.56                    9/1/2005
255813334                                      118               51.81                    10.47                    9/5/2005
255813358                                      178                  25                    10.35                   9/10/2005
255813465                                      358               57.97                   10.435                   10/1/2005
255813476                                      358               57.38                     6.75                   10/1/2005
255813481                                      358               65.49                     6.25                   10/1/2005
255813503                                      358                  80                    10.44                   10/1/2005
255900826                                      295               63.91                    12.85                    7/1/2000
255901068                                      118               89.91                    11.95                   9/10/2000
255901133                                      117               94.06                    11.95                   8/15/2000
255901140                                      117               89.83                     12.3                    9/1/2000
255901167                                       57               83.83                    12.55                    9/1/2000
255914085                                      356                  75                     8.95                   7/15/2005
255914156                                      177               80.49                     8.65                   8/18/2005
255914243                                      357               74.07                     9.65                    9/1/2005
255914340                                      118                  90                     8.55                    9/1/2005
255914341                                      359                  75                    10.55                   11/1/2005
255914441                                      237                 100                    10.95                   8/18/2005
255914486                                      357               86.45                      7.5                    9/1/2005
255914552                                      247                  90                      9.1                    9/1/2005
255914564                                      358                  80                      7.9                    9/2/2005
255914574                                      358               54.46                     6.25                   10/1/2005
255914584                                      358               67.26                     8.95                   9/15/2005
255914597                                      358               69.24                     7.55                    9/8/2005
255914794                                      359               78.49                     9.05                   11/1/2005
255914939                                      359                 100                    11.79                  10/14/2005
255914956                                      359               66.67                     8.95                  10/15/2005
255915082                                      239                 100                    11.85                  10/19/2005
256100898                                      296                  84                       13                   7/13/2000
256200437                                      297               94.24                    12.45                   8/15/2000
256200521                                      298               85.49                     12.5                   9/15/2000
256200589                                      118               87.26                    12.99                   10/1/2000
256211317                                      353               85.49                     6.85                    5/1/2005
256211764                                      188               80.49                      9.4                    8/1/2005
256211810                                      357                  90                    10.35                    9/1/2005
256211814                                      357                  95                        7                    9/1/2005
256211853                                      357                  85                     6.95                    9/1/2005
256211871                                      357               89.98                     8.15                    9/1/2005
256211872                                      357               85.49                      8.1                    9/1/2005
256211881                                      237                  90                     8.25                    9/1/2005
256211910                                      357               90.49                      7.1                    9/1/2005
256211928                                      358               85.49                     9.35                   9/15/2005
256211929                                      358               69.79                     6.35                   9/15/2005
256212002                                      358               80.49                      6.9                   10/1/2005
256212045                                      358               80.49                      9.8                   10/1/2005
256412685                                      356                  80                      9.8                    8/1/2005
256412744                                      355                  80                      7.5                   6/15/2005
256412760                                      174                 100                    13.25                    6/1/2005
256412987                                      175                 100                     13.1                    6/6/2005
256412998                                      357                  80                      8.7                    9/1/2005
256413045                                      175                  95                    11.75                    7/1/2005
256413110                                      356                  80                     8.05                    8/1/2005
256413116                                      356               85.49                      8.8                    8/1/2005
256413119                                      356               69.62                     8.99                    8/1/2005
256413141                                      236               98.52                     13.6                   7/13/2005
256413289                                      236                 100                    12.55                    8/1/2005
256413320                                      176                 100                     14.5                    8/1/2005
256413423                                      357                  90                      7.5                   8/15/2005
256413432                                      357               75.49                     8.85                   8/15/2005
256413511                                      177                 100                    13.75                   8/15/2005
256413572                                      358                  80                      6.9                   9/15/2005
256413603                                      358                  80                     8.59                    9/8/2005
256413641                                      357                  75                     6.99                    9/1/2005
256413647                                      358                  90                     8.99                   9/15/2005
256413667                                      358               70.49                    9.515                   10/1/2005
256413674                                      358               85.49                     8.59                   9/15/2005
256413695                                      358                  90                      8.6                   9/15/2005
256413707                                      358               75.49                     8.99                   9/15/2005
256413723                                      358                  80                     7.05                   9/15/2005
256413729                                      358                  80                      7.6                   9/15/2005
256413799                                      358                  80                     6.99                   10/1/2005
256607981                                      352               83.53                     7.25                    4/1/2005
256608494                                      355                  90                     6.55                    7/1/2005
256608530                                      355                  58                     7.35                   6/15/2005
256608920                                      357               79.87                     8.45                    9/1/2005
256608969                                      358               90.49                     8.35                   9/15/2005
256609149                                      358                  85                     8.99                   9/15/2005
256609177                                      358                  30                     9.95                   10/1/2005
256609188                                      358               70.49                     10.4                   10/1/2005
256609300                                      358               79.99                     6.25                   10/1/2005
256609369                                      239                 100                     13.6                   11/1/2005
256708543                                      355               59.95                     9.25                    7/1/2005
256708572                                      355               75.49                      8.6                    7/1/2005
256708693                                      355               38.89                     8.99                    7/1/2005
256708701                                      236               65.49                        9                    8/1/2005
256708710                                      356               85.49                      6.5                   7/15/2005
256708791                                      355               80.49                     8.25                    7/1/2005
256708825                                      176                  97                      8.1                   7/10/2005
256708849                                      357               75.49                      6.5                    9/1/2005
256708980                                      176               95.48                    11.55                    8/1/2005
256709052                                      357               90.49                      8.9                    9/1/2005
256709088                                      357                  80                     6.35                    9/1/2005
256709142                                      358               76.98                     9.45                   9/15/2005
256709144                                      177                 100                       10                    9/1/2005
256709199                                      358               90.49                      6.5                   9/15/2005
256709209                                      357               80.49                     6.99                    9/1/2005
256709241                                      358               80.45                     7.35                   9/15/2005
256709282                                      359               75.49                     6.95                  10/15/2005
256807639                                      355               76.55                     8.65                    7/1/2005
256807672                                      355               76.92                     9.15                   6/15/2005
256808025                                      357                  90                     8.65                   8/15/2005
256907713                                      355               75.49                     9.05                    7/1/2005
256907742                                      355               70.49                     8.99                    7/1/2005
256908010                                      356               85.49                      9.8                    8/1/2005
256908257                                      358                  70                    10.68                   9/15/2005
256908283                                      358                  65                     9.99                   9/15/2005
256908353                                      358               51.02                     8.05                   9/15/2005
256908407                                      359               26.32                    10.81                  10/15/2005
257008107                                      235               94.21                    12.99                    7/1/2005
257008154                                      235               96.22                    12.35                    7/1/2005
257008171                                      355               80.37                     7.25                    7/1/2005
257008341                                      358               32.89                     6.25                   10/1/2005
257008455                                      357                  95                     6.99                   8/15/2005
257008470                                      357               59.78                     7.99                    9/1/2005
257008647                                      358               50.49                     9.68                   9/15/2005
257008681                                      358               47.32                     8.75                   10/1/2005
257008843                                      358               85.49                      6.5                   10/1/2005
257108547                                      353               19.23                      9.6                    5/1/2005
257109253                                      356                  95                      8.2                   7/15/2005
257109334                                      356                63.6                     9.59                   7/15/2005
257109374                                      356               70.49                    10.35                    8/1/2005
257109530                                      357                  90                     7.25                    9/1/2005
257109547                                      356                82.7                      7.1                    8/1/2005
257109688                                      357               87.61                        7                    9/1/2005
257109755                                      358               70.49                     8.35                   9/15/2005
257109764                                      358               73.89                     9.05                   9/15/2005
257109776                                      357               85.49                     10.1                    9/1/2005
257109794                                      358               44.12                     8.99                   10/1/2005
257109812                                      178               33.23                      7.6                    9/9/2005
257109827                                      358               85.49                     9.95                   9/15/2005
257109858                                      358               99.51                      8.8                   10/1/2005
257109907                                      358               75.49                     9.85                   10/1/2005
257109931                                      358                  85                     9.99                   9/15/2005
257110246                                      359               80.49                     9.99                   11/1/2005
257110270                                      359                 100                    11.85                  10/13/2005
257110289                                      359               75.49                    10.82                   11/1/2005
257207431                                      357               85.49                     8.83                    9/1/2005
257207467                                      356               70.49                    10.81                    8/1/2005
257207477                                      356                  85                     8.75                    8/1/2005
257207558                                      357               80.49                        7                    9/1/2005
257207656                                      358                  90                     8.75                   9/15/2005
257207660                                      237               98.41                    12.95                    9/1/2005
257207676                                      358               80.49                     8.75                   9/15/2005
257207677                                      357               46.98                     6.99                    9/1/2005
257207680                                      357                  90                      9.4                    9/1/2005
257207691                                      358               60.36                     8.95                   9/15/2005
257207718                                      358               80.49                     9.99                   9/15/2005
257207935                                      358                 100                     8.99                   10/1/2005
257405457                                      356               65.01                     9.25                    7/8/2005
257405727                                      357               64.64                      9.5                   8/15/2005
257405737                                      357                  80                      9.2                    9/1/2005
257405767                                      357                  80                    10.56                    9/1/2005
257405778                                      357               77.33                     8.99                    9/1/2005
257405802                                      177                  80                      7.8                    9/1/2005
257405808                                      357               44.79                    10.65                    9/1/2005
257405847                                      357               93.98                     6.85                    9/1/2005
257405853                                      358               75.49                      8.3                   9/15/2005
257405903                                      358               54.49                     7.95                   10/1/2005
257405931                                      358               72.34                     6.25                   10/1/2005
257506048                                      356               69.31                      8.3                   7/15/2005
257506093                                      354                  80                     7.65                    6/1/2005
257506287                                      355               68.42                     7.65                   6/15/2005
257506334                                      355               53.05                      9.1                    7/1/2005
257506451                                      355               76.92                    10.68                    7/1/2005
257506585                                      356               52.63                    10.65                    8/1/2005
257506597                                      356               63.53                     9.95                   7/15/2005
257506650                                      357                  80                     7.75                   8/15/2005
257506662                                      356                  80                     10.9                    8/1/2005
257506686                                      237                  80                     9.99                    9/1/2005
257506743                                      357                  80                     8.35                    9/1/2005
257506831                                      357                  50                      7.5                    9/1/2005
257506852                                      357               41.37                     7.85                    9/1/2005
257506888                                      357               74.07                      9.5                    9/1/2005
257506934                                      357               70.54                      6.6                    9/1/2005
257506952                                      358               57.27                    10.43                   9/15/2005
257506964                                      357               65.49                      9.5                    9/1/2005
257507000                                      357                  80                      7.4                    9/1/2005
257507023                                      357               79.37                      8.1                    9/1/2005
257507042                                      357               70.48                     6.65                    9/1/2005
257507102                                      358               44.25                     10.4                   10/1/2005
257507106                                      358               65.22                     10.4                   9/15/2005
257507129                                      358               70.92                     10.4                   10/1/2005
257507154                                      359                  75                     10.5                  10/15/2005
257507169                                      358               61.95                     7.15                   10/1/2005
257507495                                      359               78.08                    10.35                   11/1/2005
257606435                                      177                  80                      8.5                    9/1/2005
257606745                                      236                 100                     13.3                    8/1/2005
257606832                                      358                  80                      6.5                   10/1/2005
257606979                                      358               80.49                     7.85                   9/15/2005
257607220                                      359               75.49                      8.8                   11/1/2005
257702853                                      355               85.49                     6.99                    7/1/2005
257702975                                      356               75.49                     6.99                    8/1/2005
257702985                                      356               75.49                     8.25                   7/15/2005
257703004                                      355               14.15                     7.95                    7/1/2005
257703021                                      356               19.74                     8.75                   7/15/2005
257703024                                      235               91.59                    11.74                    7/1/2005
257703090                                      356               44.44                      7.5                   7/15/2005
257703178                                      177               88.27                    10.25                    8/5/2005
257703183                                      357                 100                      7.7                   8/15/2005
257703217                                      358               59.36                    10.35                    9/8/2005
257703267                                      357               80.49                      6.8                    9/1/2005
257703287                                      357               51.21                     6.45                    9/1/2005
257703307                                      357               85.49                      6.3                    9/1/2005
257703317                                      177                 100                    11.43                    9/1/2005
257703343                                      357               82.73                     6.25                    9/1/2005
257703358                                      358               70.49                     8.75                   9/15/2005
257703359                                      358                  80                     6.25                   9/15/2005
257703373                                      358               85.49                      6.4                   9/15/2005
257703428                                      358                74.2                     6.25                   10/1/2005
257804265                                      235                 100                    10.99                    7/1/2005
257804376                                      355               70.49                     12.1                    7/1/2005
257804498                                      356               68.75                      7.8                   7/15/2005
257804577                                      357               70.49                      8.3                   8/15/2005
257804597                                      236               93.03                     11.2                    8/1/2005
257804663                                      236                 100                     11.6                    8/1/2005
257804693                                      236               89.65                    10.95                    8/1/2005
257804739                                      358               78.61                      6.3                   9/15/2005
257804800                                      357               85.49                     8.75                    9/1/2005
257804877                                      357               85.49                     6.25                    9/1/2005
257804886                                      358               75.49                     6.95                   9/15/2005
257804912                                      358               80.49                      7.7                   9/15/2005
257804916                                      357               39.28                     6.25                    9/1/2005
257804931                                      358               69.23                     6.55                   9/15/2005
257804986                                      358               68.29                     6.35                   9/15/2005
257805007                                      357               70.49                      8.5                    9/1/2005
257805018                                      358                  80                     6.25                   9/15/2005
257805081                                      358                  80                     6.25                   10/1/2005
257805098                                      358               80.49                     10.5                   10/1/2005
257805126                                      358               90.49                      6.6                   10/1/2005
257805148                                      358               90.49                      6.3                   10/1/2005
257805161                                      358               67.25                     6.25                   10/1/2005
257805282                                      359               98.15                     11.1                   11/1/2005
257805344                                      359               85.49                     7.25                   11/1/2005
257805364                                      359                 100                    11.25                  10/13/2005
257902953                                      354                 100                     7.75                   5/15/2005
257903486                                      236               89.29                     11.2                   7/10/2005
257903626                                      237                 100                     11.5                    9/1/2005
257903698                                      357                  80                     7.99                   8/15/2005
257903826                                      357                  80                     7.45                    9/1/2005
257903852                                      358                  90                     8.75                   9/15/2005
257903872                                      178               62.21                     9.35                    9/5/2005
257903924                                      358                  70                     8.55                   9/15/2005
257903993                                      358               89.94                      6.7                   10/1/2005
257904015                                      358               75.49                      9.3                   10/1/2005
258000175                                      355                  80                     6.45                    7/1/2005
258000199                                      355                  80                     7.95                    7/1/2005
258000208                                      355                  80                     6.99                    7/1/2005
258000212                                      356                  80                      6.6                    8/1/2005
258000214                                      356                  80                      6.5                    8/1/2005
258000219                                      176                 100                     9.99                    8/1/2005
258000225                                      357                  80                      7.7                    9/1/2005
258000227                                      357                  80                      7.9                    9/1/2005
258000243                                      359                 100                     9.75                   11/1/2005
258100378                                      296               96.59                    11.25                    8/1/2000
258100389                                      296               89.91                     10.6                    8/1/2000
258100563                                      118               79.74                    11.99                    9/2/2000
258113822                                      356                  80                     9.25                   7/15/2005
258114653                                      358               66.09                     4.75                   10/1/2005
258200365                                      116               55.04                    11.15                    8/1/2000
258200574                                      118                  80                       12                   10/1/2000
258215001                                      355               75.49                    10.45                    7/1/2005
258215246                                      236               89.75                     12.6                    8/1/2005
258215331                                      236                 100                     13.8                   7/15/2005
258215341                                      357                  75                     8.99                   8/15/2005
258215488                                      357                62.5                      8.2                    9/1/2005
258215531                                      358                  80                      8.1                   9/15/2005
258215555                                      358                  80                     7.95                   9/15/2005
258215602                                      357               36.23                     6.95                    9/1/2005
258215625                                      358               75.49                     6.25                   9/15/2005
258215646                                      358               56.18                        8                   9/15/2005
258215669                                      357               58.56                     7.25                    9/1/2005
258215682                                      358               41.67                      8.4                   9/15/2005
258215765                                      357               90.49                      8.5                    9/1/2005
258215794                                      358               68.57                      6.5                   9/15/2005
258215815                                      358                66.9                     9.25                   9/15/2005
258216114                                      359                 100                     12.6                  10/15/2005
258216131                                      359               55.66                      8.6                   11/1/2005
258216142                                      359               88.18                    11.25                   11/1/2005
258303218                                      349               65.49                     7.55                    1/1/2005
258304239                                      355                35.4                     7.51                    7/1/2005
258304756                                      355               90.49                     7.85                   6/15/2005
258304905                                      236                 100                    11.55                   7/14/2005
258304940                                      356                89.5                      7.3                   7/15/2005
258304973                                      175                 100                       12                    7/1/2005
258305149                                      358               80.49                      6.8                   9/15/2005
258305208                                      357               59.06                     7.25                   8/15/2005
258305211                                      357               24.52                     6.99                    9/1/2005
258305237                                      358               85.49                      7.6                   9/15/2005
258305288                                      237               85.49                      7.2                    9/1/2005
258305293                                      357                  80                     6.25                    9/1/2005
258305305                                      358               65.04                     9.65                   9/15/2005
258305322                                      358               75.49                     8.99                   9/15/2005
258305335                                      358                  74                     6.75                   9/15/2005
258305336                                      357               85.11                      7.9                    9/1/2005
258305360                                      357               84.87                      7.5                    9/1/2005
258305361                                      357               85.49                       10                    9/1/2005
258305387                                      357               80.49                        9                    9/1/2005
258305404                                      358               80.49                     6.99                   9/15/2005
258305407                                      358               80.49                     8.39                   9/15/2005
258305434                                      358               90.49                     6.95                   9/15/2005
258305460                                      358               84.48                      6.3                   10/1/2005
258305524                                      358               75.24                     6.25                   9/15/2005
258305596                                      299               95.49                      9.8                   10/2/2005
258305714                                      359               75.49                     9.25                  10/15/2005
258305788                                      359               75.49                        9                  10/15/2005
258415703                                      355                  80                     10.3                    7/1/2005
258415854                                      354               85.49                      7.5                    6/1/2005
258415863                                      355               65.49                     10.2                    7/1/2005
258415935                                      355               53.04                     8.85                    7/1/2005
258415991                                      355                74.5                      9.7                   6/15/2005
258416115                                      356               60.49                     9.99                   7/15/2005
258416194                                      355               85.49                     6.99                    7/1/2005
258416204                                      356                  80                     10.3                   7/15/2005
258416225                                      356               48.28                      7.6                   7/15/2005
258416237                                      235                 100                    14.51                    7/1/2005
258416263                                      356               80.45                      7.5                   7/15/2005
258416339                                      356               48.61                    10.35                    8/1/2005
258416342                                      236                 100                    14.38                    8/1/2005
258416361                                      236               91.51                     11.7                    8/1/2005
258416490                                      357                  80                     9.45                    9/1/2005
258416525                                      357                  80                      6.4                    9/1/2005
258416535                                      357                  80                     6.99                    9/1/2005
258416536                                      357               85.49                     7.99                   8/15/2005
258416551                                      358               75.49                    10.85                   10/1/2005
258416558                                      357               75.49                     7.99                    9/1/2005
258416692                                      358               75.49                     6.99                   10/1/2005
258416728                                      358                  80                     9.65                   9/15/2005
258416742                                      237                 100                     13.2                   8/15/2005
258416746                                      358               70.49                    10.45                   10/1/2005
258416789                                      358               75.49                     6.54                   10/1/2005
258416796                                      357                  80                      6.6                    9/1/2005
258416816                                      357               90.49                     6.78                    9/1/2005
258416897                                      358                  80                     6.95                   10/1/2005
258416950                                      358               85.49                     6.25                   10/1/2005
258416952                                      358               85.49                     9.45                   10/1/2005
258416973                                      358               76.39                      6.4                   10/1/2005
258417033                                      358               78.83                      6.9                   10/1/2005
258417039                                      358               75.49                    7.465                   10/1/2005
258417160                                      358                  80                     6.25                   10/1/2005
258500923                                      296               62.17                    12.65                    8/1/2000
258501098                                      296               83.28                    13.25                    8/1/2000
258501145                                      296                75.8                    12.25                    8/1/2000
258501284                                      117                97.8                     12.5                    9/1/2000
258501457                                      298               94.45                    10.99                   10/1/2000
258517250                                      356               80.49                    10.98                   7/15/2005
258517266                                      355                  75                    10.96                    7/1/2005
258517358                                      357               77.14                     8.25                   8/15/2005
258517363                                      236               95.16                     11.5                    8/1/2005
258517523                                      357                  90                     8.49                    9/1/2005
258517538                                      357               85.49                     7.95                    9/1/2005
258517555                                      357               70.23                     6.75                    9/1/2005
258517568                                      358               70.39                     9.43                   10/1/2005
258517600                                      358                  80                     6.25                   10/1/2005
258517635                                      358               82.86                      7.3                   9/15/2005
258517668                                      358               70.49                     9.35                   9/15/2005
258517681                                      358               28.41                     8.55                   10/1/2005
258517693                                      358               83.33                      8.9                   9/15/2005
258517727                                      359               99.98                    13.55                  10/13/2005
258517748                                      358               85.26                     9.99                   10/1/2005
258517888                                      359                  70                     9.55                  10/15/2005
258609029                                      354                  70                    12.95                    6/1/2005
258609034                                      355                  95                     9.15                    7/1/2005
258609060                                      355               57.97                      8.3                    7/1/2005
258609330                                      357               66.67                     12.6                    8/6/2005
258609443                                      357                72.2                     7.55                   8/15/2005
258609502                                      237               94.58                    10.88                    9/1/2005
258609514                                      357               74.09                     6.55                    9/1/2005
258609530                                      357                  85                    10.25                    9/1/2005
258609551                                      357               83.33                    10.99                    9/1/2005
258609559                                      358               73.99                     6.35                   9/15/2005
258609570                                      357               75.49                      6.5                    9/1/2005
258609595                                      358               70.49                      7.1                   9/15/2005
258609596                                      358                73.4                    10.55                   9/15/2005
258609600                                      357               85.09                      9.2                    9/1/2005
258609604                                      358               23.04                    10.35                   9/15/2005
258609625                                      358               85.49                      9.4                   9/15/2005
258609661                                      358               87.44                      8.5                   9/15/2005
258609696                                      358               85.49                    10.55                   10/1/2005
258609726                                      358               75.49                     10.8                   10/1/2005
258609765                                      358                  75                      9.5                   10/1/2005
258609784                                      358               75.49                      8.8                   10/1/2005
258609833                                      359               21.74                     8.95                   11/1/2005
258609907                                      359               20.16                      9.6                  10/15/2005
258710619                                      357               67.53                     4.85                    9/1/2005
258710976                                      358                  70                      4.2                   10/1/2005
258711010                                      358                  80                     5.05                   10/1/2005
258711030                                      358               63.64                      4.6                   10/1/2005
258800906                                      297                92.1                    11.99                    9/1/2000
258815332                                      355               75.49                    10.17                    7/1/2005
258815480                                      355               51.51                     7.35                   6/15/2005
258815684                                      355               53.06                        8                    7/1/2005
258815924                                      356               82.33                     7.75                    8/1/2005
258816025                                      357                93.2                     7.36                   8/15/2005
258816131                                      357               90.49                     9.99                    9/1/2005
258816132                                      356               75.49                     7.89                    8/1/2005
258816157                                      177               40.21                     8.75                    9/1/2005
258816261                                      177                58.8                      7.7                    9/1/2005
258816274                                      357                  80                        9                    9/1/2005
258816358                                      357               85.49                     8.86                    9/1/2005
258816415                                      357                  72                      9.6                    9/1/2005
258816446                                      358               85.49                      7.4                   10/1/2005
258816468                                      358               60.94                     7.95                    9/9/2005
258816473                                      358                 100                    10.15                   10/1/2005
258816479                                      358               35.88                     6.25                   10/1/2005
258816480                                      358                  90                    10.15                   10/1/2005
258816510                                      358               70.49                     8.65                   10/1/2005
258816549                                      358                  90                      6.4                   10/1/2005
258816564                                      358               70.49                     9.15                   10/1/2005
258816586                                      358                  85                     9.99                   10/1/2005
258816612                                      358               85.49                     6.25                   10/1/2005
258816742                                      358               89.03                     7.05                   10/1/2005
258900157                                      296                  75                    13.49                    8/1/2000
258913648                                      230                  95                    11.69                   1/15/2005
258913975                                      353                 100                     8.99                    5/1/2005
258914663                                      355                 100                     9.75                    7/1/2005
258914721                                      356                  80                     8.25                    8/1/2005
258914763                                      356               83.75                     5.75                    8/1/2005
258914785                                      356               28.92                    10.35                   7/10/2005
258914846                                      356               85.49                     8.85                    8/1/2005
258914932                                      357               94.25                     6.45                   8/15/2005
258914941                                      357                  80                     12.2                    9/1/2005
258914975                                      357               48.61                     8.99                    9/1/2005
258914990                                      357               82.88                     7.65                    9/1/2005
258915062                                      357               90.49                     9.79                    9/1/2005
258915070                                      178               41.72                      8.4                    9/8/2005
258915089                                      357               85.49                     6.99                    9/1/2005
258915143                                      358               75.35                      6.4                   9/15/2005
258915146                                      358               88.45                     7.99                   9/15/2005
258915160                                      177               70.97                     8.99                    9/1/2005
258915191                                      358               80.49                    11.31                   10/1/2005
258915205                                      358                  90                      9.3                   9/15/2005
258915243                                      358                  58                     6.25                   10/1/2005
258915244                                      358               85.49                     8.19                   10/1/2005
258915286                                      359                  85                     7.99                  10/15/2005
259006548                                      164                 100                    11.66                    8/1/2004
259007489                                      349                 100                    7.875                    1/1/2005
259007838                                      175                 100                     11.6                   6/15/2005
259007845                                      355                 100                     8.57                    6/4/2005
259007857                                      354                  85                     8.93                    6/1/2005
259007863                                      235                 100                     11.6                   6/11/2005
259007873                                      355                  65                      9.7                    7/1/2005
259007884                                      354                  95                     7.79                    6/1/2005
259007895                                      355                 100                      8.2                   6/11/2005
259007896                                      354                  80                     7.05                    6/1/2005
259007904                                      352                  80                     6.45                    4/1/2005
259007914                                      355               28.69                      6.6                    7/1/2005
259007919                                      355                  85                     7.85                    7/1/2005
259007946                                      356                  95                     7.95                   7/13/2005
259007966                                      356                  95                      7.7                    8/1/2005
259007972                                      356                  80                     7.74                    8/1/2005
259007978                                      356                  75                    8.875                    8/1/2005
259007983                                      356               69.77                    10.45                   7/26/2005
259007988                                      356                  80                     7.95                    8/1/2005
259007992                                      356                  75                     9.45                   7/29/2005
259008003                                      356                  70                    10.53                    8/1/2005
259008020                                      356                  95                     8.39                    8/1/2005
259008025                                      356                  80                      6.3                    8/1/2005
259008031                                      357                  80                     7.25                    9/1/2005
259008034                                      357                  75                     8.98                    8/7/2005
259008036                                      357                  95                     7.85                    8/7/2005
259008041                                      357                  75                     8.73                    9/1/2005
259008064                                      357                  80                     6.55                    9/1/2005
259008067                                      356               40.59                      8.3                    8/1/2005
259008077                                      356                  90                     8.99                    8/1/2005
259008080                                      357                  85                     8.25                    9/1/2005
259008098                                      175                 100                     9.25                    7/1/2005
259008101                                      357                 100                     7.75                    9/1/2005
259008122                                      357                  85                     8.35                    9/1/2005
259008127                                      357                  85                    9.025                    9/1/2005
259008140                                      357                  80                    8.125                    9/1/2005
259008143                                      356                  80                    8.925                    8/1/2005
259008144                                      357                  80                    8.025                    9/1/2005
259008165                                      357               32.02                    9.375                    9/1/2005
259008188                                      358                 100                      8.5                   9/15/2005
259008190                                      357                  95                      9.2                    9/1/2005
259008192                                      357                  80                    7.275                    9/1/2005
259008195                                      358                 100                      9.5                   9/15/2005
259008196                                      358                  90                      7.8                   10/1/2005
259008200                                      357                  80                    7.325                    9/1/2005
259008207                                      357                  95                      8.9                    9/1/2005
259008245                                      358                  80                     7.15                   10/1/2005
259008247                                      358                  95                      8.4                   10/1/2005
259008264                                      357                  85                    8.975                    9/1/2005
259008266                                      357                  80                    7.925                    9/1/2005
259008285                                      357                  80                     6.99                    9/1/2005
259008286                                      357               62.39                        7                    9/1/2005
259008300                                      358               75.42                     7.95                   10/1/2005
259008302                                      358               97.22                   11.097                   9/18/2005
259008303                                      358                  90                     8.35                   9/15/2005
259008310                                      358               81.01                     7.99                   10/1/2005
259008316                                      358               69.93                     7.85                   10/1/2005
259008326                                      357                  75                     8.23                    9/1/2005
259008328                                      358                 100                      8.8                   10/1/2005
259008355                                      178                 100                     11.6                   10/1/2005
259008361                                      178               93.28                     11.5                   10/1/2005
259008372                                      179                 100                    11.65                   10/7/2005
259008374                                      358                 100                     11.2                   10/1/2005
259008388                                      179                 100                    10.65                   10/6/2005
259008400                                      359               94.67                     7.65                   10/8/2005
259008402                                      359                 100                     10.8                   10/9/2005
259008413                                      239               94.63                    12.35                   11/1/2005
259008415                                      359               69.96                     8.65                  10/15/2005
259105881                                      231                 100                    10.25                    3/1/2005
259106090                                      354                  80                     8.99                   5/15/2005
259106127                                      355                  80                     6.99                    7/1/2005
259106379                                      235                 100                     9.99                    7/1/2005
259106404                                      354                  90                     8.75                    6/1/2005
259106423                                      356                  90                     6.75                    8/1/2005
259106451                                      355                  90                     7.99                   6/15/2005
259106480                                      236                 100                    10.25                    8/1/2005
259106499                                      355                  80                     6.75                   6/15/2005
259106502                                      355                  85                     8.25                   6/15/2005
259106520                                      235                 100                     10.5                    7/1/2005
259106527                                      235                 100                     10.5                    6/4/2005
259106534                                      355                  80                     7.75                   6/15/2005
259106538                                      355                  90                     5.99                   6/15/2005
259106562                                      235               94.74                     8.99                   6/10/2005
259106566                                      235                 100                     8.99                   6/13/2005
259106569                                      235                 100                      8.5                   6/12/2005
259106570                                      355                  90                     8.75                   6/15/2005
259106582                                      355                  90                     9.25                    7/1/2005
259106589                                      235                 100                     12.5                   6/13/2005
259106608                                      236                 100                      9.5                   7/14/2005
259106611                                      235                 100                      9.9                    7/1/2005
259106617                                      235                 100                     10.5                    6/9/2005
259106618                                      235                 100                     10.5                    7/1/2005
259106622                                      235                 100                     9.99                   6/12/2005
259106634                                      235               99.29                     8.99                    7/1/2005
259106645                                      235                 100                    10.25                   6/13/2005
259106649                                      235                 100                       12                    7/1/2005
259106666                                      235                 100                    11.25                    6/6/2005
259106671                                      355                87.5                     7.75                    7/1/2005
259106676                                      175                 100                    10.99                    7/1/2005
259106689                                      355                  90                     9.25                    7/1/2005
259106691                                      355                  90                     7.25                    7/1/2005
259106702                                      355                  80                     6.49                    7/1/2005
259106704                                      235                 100                    10.99                    7/1/2005
259106705                                      235                 100                      9.5                    7/1/2005
259106707                                      235                 100                    11.49                    7/1/2005
259106712                                      355                  80                     6.49                    7/1/2005
259106719                                      175                 100                     10.5                   6/13/2005
259106721                                      355                  80                     6.99                    7/1/2005
259106725                                      235                 100                    10.99                    7/1/2005
259106730                                      235                 100                    10.99                    7/1/2005
259106733                                      355                  90                     8.99                    7/1/2005
259106743                                      356                  90                      9.5                   7/15/2005
259106745                                      175                 100                    10.49                    7/1/2005
259106747                                      235                 100                     9.99                    7/1/2005
259106760                                      235                 100                     10.6                    7/1/2005
259106771                                      175                 100                    10.25                   6/13/2005
259106773                                      236                 100                     9.99                   7/15/2005
259106781                                      235                 100                    10.55                    7/1/2005
259106783                                      235                 100                    10.55                    7/1/2005
259106791                                      235                 100                     10.5                    7/1/2005
259106801                                      235               43.54                     8.99                    7/1/2005
259106804                                      235                 100                     10.9                    7/1/2005
259106815                                      235                 100                     10.5                    7/1/2005
259106817                                      356                  80                     6.75                   7/15/2005
259106819                                      235                 100                    10.99                    7/1/2005
259106838                                      357                  90                      7.5                   8/15/2005
259106839                                      356                  80                     6.25                   7/15/2005
259106843                                      356                  90                     9.25                    8/1/2005
259106857                                      175                 100                    10.99                    7/1/2005
259106871                                      235                 100                    11.75                    7/1/2005
259106878                                      235                 100                     10.5                    7/1/2005
259106882                                      176                 100                     9.99                    8/1/2005
259106906                                      356                  80                     6.75                    8/1/2005
259106907                                      236                 100                     9.99                    7/9/2005
259106913                                      356                  80                     5.65                    8/1/2005
259106914                                      236                 100                       12                    8/1/2005
259106925                                      236               95.35                        9                   7/13/2005
259106933                                      176                 100                     12.2                   7/13/2005
259106942                                      176                 100                    10.99                   7/15/2005
259106945                                      237                 100                       11                   8/15/2005
259106951                                      236                 100                     11.5                   7/15/2005
259106954                                      236                 100                    10.75                    8/1/2005
259106958                                      236                 100                     9.99                   7/13/2005
259106963                                      356                  90                     8.49                    8/1/2005
259106965                                      176                 100                       11                    8/1/2005
259106971                                      236                 100                     10.6                   7/15/2005
259106991                                      356                  80                      8.5                   7/15/2005
259107002                                      236                 100                    10.75                    8/1/2005
259107015                                      236                 100                     11.5                    8/1/2005
259107018                                      356                 100                     8.75                    8/1/2005
259107037                                      357                  90                     7.75                    9/1/2005
259107041                                      237                 100                    10.99                   8/15/2005
259107048                                      356                  80                     6.35                   7/15/2005
259107049                                      236                 100                    11.45                   7/14/2005
259107052                                      356                  90                      7.1                    8/1/2005
259107054                                      356                  80                     6.75                    8/1/2005
259107055                                      236                 100                    11.99                    8/1/2005
259107056                                      236                 100                    10.99                    8/1/2005
259107058                                      176                 100                    10.75                    8/1/2005
259107065                                      236                 100                     10.5                    8/1/2005
259107066                                      176                 100                    11.99                    8/1/2005
259107067                                      236                  95                       10                    8/1/2005
259107077                                      357                  80                      6.5                    9/1/2005
259107080                                      236                 100                     10.5                    8/1/2005
259107107                                      357               86.21                      9.5                   8/15/2005
259107117                                      357                  90                      9.2                   8/15/2005
259107119                                      357                  85                     8.99                    9/1/2005
259107123                                      236                 100                    10.15                    8/1/2005
259107127                                      237                 100                     9.99                    9/1/2005
259107128                                      358                  85                    10.25                   9/15/2005
259107133                                      237                  80                     7.55                    8/7/2005
259107135                                      357                  90                     6.75                    9/1/2005
259107143                                      357                  85                     5.85                    9/1/2005
259107148                                      236                 100                      9.5                    8/1/2005
259107154                                      357                  90                     8.25                    9/1/2005
259107168                                      357                  90                      9.1                    9/1/2005
259107170                                      357                  90                     8.59                   8/15/2005
259107172                                      236                 100                    11.25                    8/1/2005
259107181                                      237                 100                    10.95                    8/7/2005
259107188                                      357                  90                     6.55                    9/1/2005
259107201                                      357                  90                     6.25                    9/1/2005
259107211                                      357                  90                     9.25                    9/1/2005
259107220                                      357                  80                     7.75                    9/1/2005
259107224                                      357                  90                     8.75                    9/1/2005
259107228                                      357                  80                      6.5                    9/1/2005
259107229                                      237                 100                    10.75                    9/1/2005
259107236                                      357                  90                     7.75                    9/1/2005
259107240                                      357                  90                      7.8                    9/1/2005
259107244                                      237                 100                     10.9                   8/15/2005
259107254                                      357                  80                     6.35                    9/1/2005
259107260                                      358                  90                     6.75                   9/15/2005
259107270                                      357                  90                     7.99                    9/1/2005
259107274                                      237                 100                       12                    9/1/2005
259107277                                      178                 100                    10.99                    9/2/2005
259107286                                      237                 100                     11.8                    9/1/2005
259107297                                      357                  80                     6.25                    9/1/2005
259107298                                      357                  90                     7.75                    9/1/2005
259107299                                      358                  80                      6.3                   9/15/2005
259107307                                      357               79.57                     6.35                    9/1/2005
259107311                                      358               88.34                     7.99                   9/15/2005
259107315                                      357                  90                     6.99                    9/1/2005
259107316                                      357                  90                      8.5                    9/1/2005
259107323                                      357                  90                      7.1                    9/1/2005
259107325                                      237                 100                      9.5                    9/1/2005
259107326                                      357                  90                     7.59                    9/1/2005
259107329                                      357                  90                     6.25                    9/1/2005
259107337                                      357                  90                     9.65                    9/1/2005
259107350                                      357               68.75                      5.5                    9/1/2005
259107367                                      237                 100                    12.25                    9/1/2005
259107369                                      237                 100                     12.5                    9/1/2005
259107371                                      238                 100                    11.99                    9/9/2005
259107377                                      238                 100                     11.3                   9/11/2005
259107381                                      237                 100                    11.25                    9/1/2005
259107389                                      238                 100                       13                    9/4/2005
259107401                                      358                  90                     6.35                   10/1/2005
259107422                                      238                 100                       11                   9/10/2005
259107426                                      238                 100                     12.5                   9/15/2005
259107429                                      238                 100                    13.25                   10/1/2005
259107456                                      238                 100                    12.25                   10/1/2005
259107493                                      238                 100                     12.5                   10/1/2005
259107499                                      358                 100                    10.75                   9/15/2005
259107517                                      358                  90                     8.75                   10/1/2005
259107527                                      358                  80                      6.5                   10/1/2005
259107529                                      358                 100                    11.75                   10/1/2005
259107551                                      178                 100                    10.99                   10/1/2005
259107555                                      358                  90                      7.5                   10/1/2005
259107559                                      358                 100                    10.25                   10/1/2005
259107570                                      358                 100                    11.15                   10/1/2005
259107583                                      358                 100                     8.99                   10/1/2005
259107614                                      359                 100                    10.35                   10/8/2005
259107615                                      359                  80                     7.75                  10/15/2005
259107616                                      358                 100                     9.75                   10/1/2005
259107680                                      359                  80                      6.8                  10/15/2005
259107683                                      359                  95                     11.2                   10/8/2005
259107757                                      179                 100                    10.25                  10/15/2005
259212447                                      354                  80                      9.1                    6/1/2005
259212448                                      355               63.68                    10.75                   6/14/2005
259212825                                      355                 100                     8.99                   6/15/2005
259212936                                      356               68.09                    12.25                    8/1/2005
259213040                                      235               99.83                    11.95                    7/1/2005
259213076                                      176               94.56                     10.2                   7/13/2005
259213117                                      356               48.24                      8.1                   7/15/2005
259213304                                      359               39.56                    10.65                   11/1/2005
259213314                                      356               50.86                    12.55                    8/1/2005
259213391                                      237               91.16                     12.3                    9/1/2005
259213430                                      357                  90                     7.45                    9/1/2005
259213515                                      237               91.69                    11.25                   8/13/2005
259213520                                      357               73.63                     7.85                    9/1/2005
259213557                                      358                  90                     7.95                   9/15/2005
259213633                                      358                  80                      8.7                   9/15/2005
259213635                                      358                  90                    10.05                   10/1/2005
259213637                                      357                  25                     9.47                    9/1/2005
259213667                                      358               77.88                      9.3                   9/15/2005
259213722                                      358                  90                     7.99                   9/15/2005
259213749                                      358               77.57                      8.8                   9/15/2005
259213792                                      358               67.31                     11.5                   9/15/2005
259213833                                      358               80.49                     9.75                   9/15/2005
259213847                                      358               26.92                     9.95                   10/1/2005
259213849                                      358               54.92                     7.95                   10/1/2005
259214007                                      358               80.49                      6.7                   10/1/2005
259214018                                      359               78.14                      9.4                  10/15/2005
259408543                                      355               89.36                     8.65                    7/1/2005
259408651                                      354                  90                     7.49                    6/1/2005
259408657                                      355               90.49                     7.75                    7/1/2005
259408664                                      354               27.47                     9.99                    6/1/2005
259408804                                      355               78.15                      7.5                    7/1/2005
259408819                                      355                  70                     10.4                    7/1/2005
259408872                                      355                  90                     9.35                    7/1/2005
259408876                                      356               85.49                     8.95                    8/1/2005
259408892                                      356                  95                      8.8                    8/1/2005
259408902                                      237               80.49                     9.35                    8/5/2005
259408906                                      357               90.49                     9.75                    9/1/2005
259408972                                      356               80.49                     7.99                    8/1/2005
259409012                                      356                 100                     11.3                   7/15/2005
259409074                                      357                  85                     7.45                    9/1/2005
259409122                                      357               76.92                     8.77                    9/1/2005
259409135                                      117               43.75                      9.6                    9/1/2005
259409155                                      357               85.49                     6.74                    9/1/2005
259409170                                      236                 100                    11.99                    8/1/2005
259409227                                      297               70.49                     7.99                    9/1/2005
259409249                                      357               71.13                     8.15                    9/1/2005
259409289                                      357               90.49                     7.95                    9/1/2005
259409340                                      358                  80                      8.9                   9/15/2005
259409362                                      357                  80                     8.05                    9/1/2005
259409376                                      357               40.32                     10.8                    9/1/2005
259409386                                      358               72.22                      9.7                    9/8/2005
259409437                                      357                  90                      9.5                    9/1/2005
259409445                                      358                  90                      7.2                   9/15/2005
259409459                                      358               53.19                     7.15                    9/9/2005
259409554                                      358               90.49                        7                   10/1/2005
259409613                                      358               85.49                     6.45                   10/1/2005
259500098                                      358               70.49                    10.68                   10/1/2005
259500110                                      358               85.49                      6.6                   9/15/2005
259500122                                      358               75.49                     9.43                   10/1/2005
259500145                                      358                  80                     6.35                   9/15/2005
259500161                                      358               75.49                      8.4                   10/1/2005
259500220                                      359               55.08                     9.25                  10/15/2005
259500259                                      359               94.33                     12.9                  10/14/2005
259609675                                      234                64.1                     10.1                    6/1/2005
259609981                                      357               80.49                      7.9                   8/15/2005
259610046                                      356                42.4                     10.4                    8/1/2005
259610152                                      356                  85                     9.05                    8/1/2005
259610191                                      357               65.49                      8.9                    9/1/2005
259610227                                      357                 100                    10.93                    9/1/2005
259610330                                      357               61.05                      9.4                    9/1/2005
259610473                                      238               20.62                     9.99                   10/1/2005
259610505                                      358               60.27                     8.99                   10/1/2005
259610514                                      358               83.64                     6.25                   10/1/2005
259610537                                      359               55.57                     8.99                  10/15/2005
259610586                                      359               37.89                     9.15                  10/15/2005
259610631                                      358               42.11                     6.25                   10/1/2005
259610719                                      359               69.41                     9.99                   11/1/2005
259700061                                      356                 100                     9.99                   7/22/2005
259700066                                      356               70.71                      9.9                   7/22/2005
259700067                                      356                 100                     9.75                   7/21/2005
259700071                                      356                  90                     10.5                   7/22/2005
259700073                                      356                 100                     10.1                   7/21/2005
259700076                                      356               96.88                     10.1                   7/23/2005
259700084                                      356                 100                    10.15                   7/22/2005
259700086                                      356                  95                     7.54                   7/22/2005
259700090                                      356                  95                     10.1                    7/8/2005
259700092                                      356                  85                     9.75                   7/22/2005
259700093                                      356                  95                     9.65                   7/22/2005
259700094                                      356                  85                     9.45                   7/22/2005
259700096                                      356                 100                     8.55                   7/22/2005
259700098                                      356                  75                      7.5                    8/1/2005
259900386                                      273               84.04                     12.7                    9/1/1998
259900814                                      291               82.61                     10.5                    3/1/2000
259917041                                      349               93.34                     7.86                    1/1/2005
259917530                                      354                  80                      6.5                    6/1/2005
259917534                                      354                  80                      6.9                    6/1/2005
259917556                                      354                  70                     7.35                    6/1/2005
259917562                                      354                  75                    6.505                    6/1/2005
259917602                                      355                  80                      8.8                   6/20/2005
259917604                                      355                  80                    10.03                   6/18/2005
259917617                                      355                 100                    10.05                   6/18/2005
259917620                                      355                  90                      8.6                    6/2/2005
259917626                                      354                  85                     8.13                    6/1/2005
259917628                                      355                  95                     9.15                   6/18/2005
259917629                                      355                  95                     8.45                   6/18/2005
259917632                                      355                 100                    10.09                   6/19/2005
259917634                                      355                  95                      9.1                   6/18/2005
259917635                                      355                  95                     8.45                   6/20/2005
259917640                                      355               99.89                     8.15                   6/18/2005
259917649                                      354                  70                     8.23                    6/1/2005
259917664                                      355                  75                     8.65                    7/1/2005
259917668                                      355                  95                      6.4                    7/1/2005
259917680                                      355               99.91                     8.55                    7/1/2005
259917693                                      356                  85                     7.99                    7/6/2005
259917696                                      356               69.41                      9.2                    8/1/2005
259917712                                      355               55.14                     9.55                    7/1/2005
259917720                                      356               88.82                     7.77                    8/1/2005
259917723                                      356                 100                     7.79                    8/1/2005
259917728                                      356               67.57                     8.54                    8/1/2005
259917734                                      356               86.33                     7.72                    8/1/2005
259917738                                      355                 100                     8.18                    7/1/2005
259917739                                      356                  90                     7.82                    8/1/2005
259917741                                      356                  95                     8.95                    8/1/2005
259917744                                      356                 100                      7.5                    8/1/2005
259917751                                      356                  90                      7.1                    8/1/2005
259917784                                      176                 100                     11.9                    8/1/2005
259917787                                      357                  75                    9.375                    9/1/2005
259917798                                      356                  65                      8.7                    8/1/2005
259917802                                      357                  80                     8.35                    9/1/2005
259917809                                      357               69.46                     8.74                    9/1/2005
259917824                                      357                  70                     8.04                    9/1/2005
259917826                                      356                  95                      7.6                    8/1/2005
259917832                                      357                81.9                        9                    9/1/2005
259917844                                      358               79.38                      7.2                    9/3/2005
259917847                                      358                  95                     7.65                   9/15/2005
259917857                                      357                  85                     7.25                    9/1/2005
259917868                                      357                  90                      8.2                    9/1/2005
259917874                                      358                  95                     8.95                   10/1/2005
259917881                                      358                  90                      7.7                   9/10/2005
259917883                                      358                 100                      9.7                   10/1/2005
259917887                                      358                  90                     9.35                   10/1/2005
259917888                                      358                 100                     11.4                    9/4/2005
259917889                                      358                  95                      8.9                    9/4/2005
259917893                                      358                  95                     7.99                   10/1/2005
259917894                                      357                  90                      8.3                    9/1/2005
259917896                                      357                  90                      9.6                    9/1/2005
259917901                                      357                  90                     6.14                    9/1/2005
259917915                                      357                  90                      7.7                    9/1/2005
259917933                                      357               74.29                        8                    9/1/2005
259917953                                      357               64.56                     9.55                    9/1/2005
259917962                                      358               63.81                     7.74                   10/1/2005
259917966                                      357               55.56                      7.6                    9/1/2005
259917974                                      177                 100                     12.8                    9/1/2005
259917981                                      178                 100                   11.375                   10/1/2005
259918007                                      358                 100                     10.5                   10/1/2005
259918019                                      179                 100                     13.2                   10/7/2005
259918024                                      358                  80                     7.99                   10/1/2005
259918058                                      178                 100                    12.45                   10/1/2005
259918069                                      179                 100                       12                  10/13/2005
281200190                                      357               90.49                      7.1                    9/1/2005
281200237                                      237                 100                    12.05                    8/6/2005
281200238                                      177                 100                     12.5                   8/12/2005
281200257                                      357               26.25                     7.15                    9/1/2005
281200277                                      357               90.49                     7.99                    9/1/2005
281200289                                      358               90.49                     9.05                   9/15/2005
281200292                                      358               64.53                     6.25                   10/1/2005
281200308                                      358                  80                     6.35                   9/15/2005
281200319                                      358               85.49                     7.99                   10/1/2005
281200378                                      358               85.49                     9.95                   10/1/2005
281200428                                      358                  80                     6.25                   10/1/2005
281200549                                      359               69.85                      9.5                   11/1/2005
281300034                                      355                 100                     9.99                    7/1/2005
281300062                                      356               75.49                      8.2                    7/2/2005
281300077                                      356               90.49                      7.8                   7/15/2005
281300143                                      356               80.49                     8.45                    8/1/2005
281300169                                      237                 100                    11.25                    8/7/2005
281300200                                      357               88.17                     7.99                   8/15/2005
281300217                                      177               96.97                     11.7                    9/1/2005
281300227                                      176                 100                    11.95                    8/1/2005
281300230                                      357                  80                      7.6                    9/1/2005
281300268                                      357               90.49                     8.49                    9/1/2005
281300274                                      357               90.49                      8.2                    9/1/2005
281300300                                      357                56.1                     7.35                    9/1/2005
281300305                                      357               80.49                     10.8                    9/1/2005
281300328                                      357               85.49                    10.25                    9/1/2005
281300331                                      358               75.49                      9.8                   9/15/2005
281300380                                      358               70.49                     9.85                   9/15/2005
281300478                                      358               85.49                        7                   10/1/2005
281300492                                      359               70.49                     10.1                  10/15/2005
281400081                                      358               80.49                    10.43                   10/1/2005
281400133                                      359               90.49                     8.25                  10/15/2005
281500019                                      358               90.49                     9.25                   9/15/2005
281500027                                      357               64.27                      8.8                    9/1/2005
281500068                                      357               85.49                     9.99                    9/1/2005
281800087                                      356               94.97                      9.2                    8/1/2005
281800176                                      356                  95                     7.25                    8/1/2005
281800353                                      358               65.18                     6.25                   9/15/2005
281800354                                      358               85.49                      9.1                   9/15/2005
281800367                                      358               80.49                     6.95                   9/15/2005
281800383                                      178               45.33                    10.35                   9/12/2005
281800392                                      358               87.72                      9.9                   10/1/2005
281800401                                      358               65.49                      7.2                   9/15/2005
281800443                                      358               83.76                        9                   10/1/2005
281800445                                      358               80.49                     8.99                   9/15/2005
281800580                                      359               25.42                     9.25                  10/15/2005
281900035                                      356               90.49                      8.9                    8/1/2005
281900132                                      357               75.05                     8.85                    9/1/2005
281900200                                      358                  80                      6.8                   9/15/2005
281900251                                      357               76.92                      6.6                    9/1/2005
281900290                                      358               57.47                      6.6                   9/15/2005
281900361                                      358               90.49                     9.39                   10/1/2005
282600002                                      357               38.46                     8.75                    9/1/2005
282600008                                      357               62.18                    10.99                    9/1/2005
282600023                                      357               55.49                      8.6                    9/1/2005
282600064                                      358               44.25                      8.9                   10/1/2005
282700059                                      358                  85                     7.25                   10/1/2005
282800004                                      357                  85                     7.65                    9/1/2005
282800009                                      357                  80                     6.75                    9/1/2005
282800025                                      358                  80                      9.3                   10/1/2005
283401462                                      356               85.49                    10.99                   7/15/2005
283401724                                      354               41.67                     8.45                    6/1/2005
283401939                                      236               98.77                     11.8                    8/1/2005
283402128                                      236                 100                    13.05                   7/15/2005
283402140                                      357               70.49                     10.3                    9/1/2005
283402279                                      358               80.49                      9.8                   10/1/2005
283402342                                      357               80.49                     8.99                    9/1/2005
283402367                                      358               41.49                    10.99                   9/15/2005
283402551                                      358               75.49                     7.85                   10/1/2005
283402575                                      359               85.49                      9.3                  10/15/2005
283402661                                      359               75.49                      8.8                  10/15/2005
283600897                                      355               68.75                      7.8                   6/15/2005
283601293                                      357               60.95                      7.5                    9/1/2005
283601348                                      357                  56                     7.32                    9/1/2005
283601429                                      175                 100                    12.99                    7/1/2005
283601518                                      357                 100                      9.1                   8/15/2005
283601549                                      358                  80                     6.49                   10/1/2005
283601638                                      358               63.52                     8.95                   10/1/2005
283601745                                      358               80.49                      8.3                   9/15/2005
283601865                                      358               80.49                    10.81                   10/1/2005
283902061                                      356               85.49                     8.95                   7/15/2005
283902084                                      356               75.49                     8.85                   7/15/2005
283902124                                      356               75.49                    10.79                    8/1/2005
283902291                                      356                 100                     9.55                   7/15/2005
283902466                                      357               75.49                     10.2                    9/1/2005
283902515                                      358                  90                    6.855                   9/15/2005
283902583                                      357                  80                      8.5                    9/1/2005
283902609                                      358                  90                     7.85                   9/15/2005
283902653                                      358                 100                     8.49                   9/15/2005
283902656                                      358               85.49                     6.25                   9/15/2005
283902670                                      358                 100                     7.59                   9/15/2005
283902694                                      358                71.7                     6.25                   9/15/2005
283902737                                      358                  80                     6.25                   9/15/2005
283902746                                      358               75.49                     7.65                   10/1/2005
283902829                                      358                  87                     7.55                   10/1/2005
284104740                                      235                 100                     10.6                    7/1/2005
284104897                                      356                 100                      7.9                    8/1/2005
284105032                                      358               56.97                    10.75                   9/15/2005
284105082                                      359               99.91                    12.65                   11/1/2005
284105086                                      358               75.49                    10.31                   10/1/2005
284105138                                      358               90.49                    10.35                   10/1/2005
284105210                                      359                 100                     8.99                  10/15/2005
284105257                                      358               80.49                     9.05                   10/1/2005
284105265                                      359               65.49                     10.5                   11/1/2005
284105321                                      179                 100                     11.5                  10/15/2005
284205609                                      355               90.49                    7.525                   6/15/2005
284205709                                      355               75.49                     7.25                    7/1/2005
284205860                                      355               85.49                      7.6                    7/1/2005
284206030                                      356               80.65                     8.75                   7/15/2005
284206036                                      356                59.6                     9.55                   7/15/2005
284206066                                      357               75.76                      8.1                    9/1/2005
284206090                                      236               92.33                    10.95                    8/1/2005
284206279                                      177                 100                    12.25                   8/15/2005
284206286                                      358                43.7                     9.68                   9/15/2005
284206305                                      358               90.49                     7.35                   10/1/2005
284206339                                      358               80.49                    10.29                   10/1/2005
284206364                                      358               75.49                    10.56                   10/1/2005
284206455                                      358               65.49                     6.99                   10/1/2005
284305934                                      354               69.54                     8.41                    6/1/2005
284306009                                      175               98.24                    12.95                   6/15/2005
284306136                                      235                 100                    11.84                    7/1/2005
284306139                                      356               46.43                     10.4                   7/15/2005
284306219                                      356               90.49                      8.9                   7/15/2005
284306235                                      236                 100                    13.41                   7/15/2005
284306292                                      176               87.14                     10.8                    7/9/2005
284306373                                      356                 100                     7.99                    8/1/2005
284306407                                      356                99.2                     6.99                    8/1/2005
284306544                                      237                 100                    13.33                   8/15/2005
284306607                                      357               75.49                     7.85                   8/15/2005
284306642                                      357               90.49                     9.99                    9/1/2005
284306735                                      357               90.49                        7                    9/1/2005
284306818                                      359               70.47                     8.99                  10/15/2005
284306829                                      238               51.43                     7.75                   9/15/2005
284306909                                      358                47.5                     8.75                   10/1/2005
284306964                                      358               90.49                      7.6                   10/1/2005
284307036                                      359               64.71                     6.65                  10/15/2005
284307097                                      358               72.36                      9.5                   10/1/2005
284406476                                      354               90.49                        8                    6/1/2005
284406520                                      235                 100                    10.75                    7/1/2005
284406789                                      355               90.49                     7.99                   6/15/2005
284407070                                      356               90.49                     7.55                    8/1/2005
284407093                                      356               80.49                     7.55                    8/1/2005
284407360                                      358               87.49                      7.1                   9/15/2005
284407600                                      359                 100                    14.42                  10/14/2005
284506491                                      176                 100                    12.95                    8/1/2005
284506589                                      356               86.21                     9.35                   7/15/2005
284506665                                      357                  80                     8.05                    9/1/2005
284506685                                      357               88.63                      7.4                    9/1/2005
284506764                                      357               80.49                      7.5                    9/1/2005
284506771                                      357               90.49                     7.25                    9/1/2005
284506774                                      357               45.78                      9.4                    9/1/2005
284506828                                      357               85.49                     6.45                    9/1/2005
284506835                                      177                 100                    13.15                   8/19/2005
284506853                                      357               85.49                      8.9                    9/1/2005
284602622                                      357                 100                     8.95                   8/15/2005
284602630                                      357                 100                      9.4                   8/15/2005
284602731                                      357               90.49                      6.6                    9/1/2005
284602742                                      357               85.49                     9.65                    9/1/2005
284602744                                      358               80.49                     6.95                   9/15/2005
284602902                                      357               82.69                     6.25                    9/1/2005
284602920                                      357               90.49                      7.5                    9/1/2005
284602954                                      239                 100                    11.05                  10/13/2005
284704809                                      230               99.94                     12.2                   1/15/2005
284705215                                      232               91.28                     11.6                    4/1/2005
284705736                                      355               65.57                     9.45                   6/15/2005
284705767                                      235                 100                    13.15                   6/15/2005
284705823                                      355               90.49                      8.4                   6/15/2005
284705909                                      356                 100                      8.4                   7/15/2005
284705918                                      356                 100                      8.1                   7/15/2005
284706042                                      236               99.89                    12.25                    7/8/2005
284706080                                      356               95.49                     7.75                   7/15/2005
284706112                                      357               90.49                     8.65                   8/15/2005
284706153                                      236               95.02                    10.95                    8/1/2005
284706187                                      357               90.49                      8.8                   8/15/2005
284706197                                      357               80.49                      7.5                   8/15/2005
284706205                                      358               90.49                      8.5                   9/15/2005
284706250                                      237                 100                    14.03                   8/15/2005
284706289                                      357               90.49                     7.85                    9/1/2005
284706293                                      357               85.49                      7.7                    9/1/2005
284706322                                      358               82.08                    10.66                   10/1/2005
284706434                                      358                  80                     6.55                   10/1/2005
284706552                                      359               47.22                     9.44                  10/15/2005
284806125                                      235                 100                     12.5                    7/1/2005
284806154                                      355               80.49                      7.1                    7/1/2005
284806221                                      355                 100                     8.91                    7/1/2005
284806245                                      355               90.49                      9.9                    7/1/2005
284806313                                      236               98.22                    11.55                   7/15/2005
284806543                                      237               90.87                       11                    9/1/2005
284806565                                      357                  84                     6.99                    9/1/2005
284806578                                      357               90.49                      7.9                    9/1/2005
284806624                                      357               80.49                       10                    9/1/2005
284806635                                      358               88.32                      9.6                   9/15/2005
284904952                                      355               85.49                        8                    7/1/2005
284905181                                      234                 100                     11.6                   5/15/2005
284905276                                      355                 100                     8.99                    7/1/2005
284905288                                      237                 100                    13.04                   8/15/2005
284905353                                      235                 100                     12.6                   6/11/2005
284905364                                      235               97.15                     12.1                    7/1/2005
284905394                                      356               90.49                    10.25                    8/1/2005
284905468                                      236                 100                    12.35                   7/15/2005
284905507                                      236               88.04                    10.95                   7/15/2005
284905623                                      356               28.41                     9.75                    8/1/2005
284905673                                      356               80.49                     7.45                    8/1/2005
284905724                                      177               43.22                     10.2                    9/1/2005
284905742                                      357                 100                     7.75                    9/1/2005
284905873                                      357               90.49                      9.9                    9/1/2005
284905893                                      357               90.49                     8.25                    9/1/2005
284905909                                      358               80.49                     10.7                   9/15/2005
284905963                                      358               77.68                     6.25                   9/15/2005
284905982                                      358               85.49                     9.99                   10/1/2005
284906001                                      358               56.91                      9.6                   10/1/2005
284906014                                      358               95.49                        9                   9/15/2005
285003265                                      354               80.45                      6.6                    6/1/2005
285003307                                      233                 100                    13.24                    5/1/2005
285003516                                      356               75.49                    10.99                   7/15/2005
285003621                                      235                 100                    13.53                    7/1/2005
285003650                                      355               67.34                     8.15                   6/15/2005
285003766                                      235                 100                    11.99                    7/1/2005
285003926                                      358               75.49                    10.81                   9/15/2005
285004030                                      358               80.49                      6.8                   9/15/2005
285004040                                      358               75.49                        7                   9/15/2005
285004048                                      357                  80                     6.75                    9/1/2005
285004073                                      357               75.49                     7.99                    9/1/2005
285004115                                      357               85.49                     7.78                    9/1/2005
285004143                                      358               70.49                     7.95                   9/15/2005
285004148                                      358               85.49                    10.79                   10/1/2005
285103893                                      356               84.85                     7.25                   7/15/2005
285103951                                      355               80.49                    7.395                    7/1/2005
285104265                                      357                62.6                      7.3                    9/1/2005
285104449                                      358                 100                     8.99                   9/15/2005
285104457                                      358               90.49                     6.75                   9/15/2005
285104458                                      358               90.49                      6.6                   10/1/2005
285104481                                      357               75.49                     7.65                    9/1/2005
285104658                                      359                 100                      8.9                  10/15/2005
285203028                                      355               75.31                     6.75                   6/15/2005
285203197                                      355               76.92                   10.425                    7/1/2005
285203342                                      355               75.49                      9.7                    7/1/2005
285203440                                      356               80.49                     8.75                    8/1/2005
285203455                                      236                 100                    11.85                   7/15/2005
285203683                                      357               89.89                    8.255                    9/1/2005
285203685                                      358               59.52                      9.5                   10/1/2005
285203689                                      357               82.42                     6.99                    9/1/2005
285203737                                      358               75.49                    10.43                   10/1/2005
285203783                                      357               75.49                    10.68                    9/1/2005
285203813                                      358                  73                    10.77                   10/1/2005
285203830                                      358               85.49                     8.99                   9/15/2005
285203902                                      359               47.11                      9.5                  10/15/2005
285302635                                      354               90.49                      8.5                    6/1/2005
285302726                                      355               85.49                     7.15                    7/1/2005
285302773                                      355               85.49                     7.25                    7/1/2005
285302829                                      175               99.92                    10.99                    7/1/2005
285302833                                      176               92.23                    12.55                   7/15/2005
285302940                                      357               70.49                      8.2                   8/15/2005
285302956                                      356               79.98                      7.9                    8/1/2005
285303183                                      357               90.49                     8.99                    9/1/2005
285303203                                      358               41.63                     6.25                   9/15/2005
285303207                                      359               66.67                     9.55                   11/1/2005
285303271                                      358               77.14                     9.99                   9/15/2005
285401621                                      231                 100                    11.85                    3/1/2005
285402029                                      354               75.49                     11.3                    6/1/2005
285402055                                      355               90.49                     7.95                   6/15/2005
285402145                                      354                  80                      8.2                    6/1/2005
285402192                                      175               92.56                     13.7                    7/1/2005
285402359                                      356               85.49                     9.65                   7/15/2005
285402387                                      356                 100                    7.145                   7/15/2005
285402453                                      356                  80                     7.35                   7/15/2005
285402507                                      358               85.49                      9.6                   9/15/2005
285402516                                      236                 100                    13.35                   7/15/2005
285402541                                      356                 100                      9.5                    8/1/2005
285402557                                      357               85.49                     7.55                    9/1/2005
285402631                                      237                 100                    11.75                   8/12/2005
285402687                                      358               69.27                      8.7                   10/1/2005
285402712                                      176                 100                    12.99                    8/1/2005
285402810                                      357               90.49                     6.25                    9/1/2005
285402934                                      358               85.49                     9.56                   10/1/2005
285402964                                      358               75.49                     9.81                   9/15/2005
285703119                                      235               95.49                     10.9                    7/1/2005
285703530                                      236               94.33                     11.4                    8/1/2005
285703563                                      358                55.8                    10.35                   9/15/2005
285703766                                      358               85.49                     7.65                   9/15/2005
285703853                                      358               85.49                      8.8                   10/1/2005
285703952                                      360                59.8                     8.65                  11/15/2005
285703968                                      359                 100                    13.75                  10/13/2005
285800784                                      229                99.5                     13.9                    1/1/2005
285900867                                      355               90.49                     8.05                   6/15/2005
285901043                                      356                 100                     7.56                   7/15/2005
285901127                                      356               80.49                     7.45                    8/1/2005
285901181                                      237                 100                     12.3                   8/15/2005
285901192                                      358               71.18                     9.45                   9/15/2005
285901263                                      357               79.36                      8.5                    9/1/2005
285901276                                      359               74.01                    10.15                  10/15/2005
285901324                                      357                81.8                     6.25                    9/1/2005
285901333                                      357               95.49                     7.35                    9/1/2005
285901347                                      357               90.49                        8                    9/1/2005
285901358                                      358               80.49                   10.245                   10/1/2005
285901410                                      358               77.92                     8.56                   9/15/2005
285901425                                      358               90.49                     9.85                   10/1/2005
285901426                                      359               35.42                     6.25                  10/15/2005
286001212                                      356               58.82                    11.95                   7/15/2005
286001282                                      355               80.49                      7.1                   6/15/2005
286001418                                      355               70.49                     9.99                    7/1/2005
286001419                                      356               70.49                     7.35                    8/1/2005
286001479                                      356               80.49                      9.9                   7/15/2005
286001666                                      357               90.49                      8.1                   8/15/2005
286001708                                      357               90.49                     8.25                    9/1/2005
286001732                                      357               80.49                     10.8                    9/1/2005
286001754                                      357               53.76                     9.05                    9/1/2005
286001762                                      357               85.49                        9                    9/1/2005
286001770                                      358               70.49                     6.99                   10/1/2005
286001793                                      358               75.46                      8.9                   9/15/2005
286001794                                      358               90.49                     9.15                   9/15/2005
286001864                                      358               65.49                    10.25                   10/1/2005
286001875                                      358               76.63                     6.25                   10/1/2005
286002057                                      359               70.49                      8.7                   11/1/2005
286101284                                      356               75.49                    10.99                    8/1/2005
286101365                                      356                  90                     7.75                    8/1/2005
286102093                                      358               58.75                     4.35                   10/1/2005
286400004                                      356               55.56                      6.8                    8/1/2005
286400016                                      357                  80                     7.25                    9/1/2005
286400022                                      358                  80                     6.75                   10/1/2005
286400032                                      358                  80                     7.45                   10/1/2005
286400034                                      358                  80                     6.65                   10/1/2005
286400039                                      358                  80                      5.9                   10/1/2005
286400058                                      359                 100                      9.6                   11/1/2005
286400062                                      359                  80                      7.1                   11/1/2005
286400067                                      179                 100                    11.15                   11/1/2005
286400069                                      359                 100                    10.25                   11/1/2005
286600001                                      356                  80                      6.3                    8/1/2005
286600005                                      355                  80                      6.5                    7/1/2005
286600008                                      355                  80                     6.65                    7/1/2005
286600012                                      356                  80                     7.99                    8/1/2005
286600015                                      355                  80                     7.65                    7/1/2005
286600017                                      355                  80                     7.95                    7/1/2005
286600020                                      355                  80                      7.6                    7/1/2005
286600025                                      355                  90                     8.85                    7/1/2005
286600026                                      235                 100                    10.35                    7/1/2005
286600027                                      356                  80                     7.53                    8/1/2005
286600030                                      355                  80                      6.1                    7/1/2005
286600039                                      355                  80                      6.5                    7/1/2005
286600040                                      356                  80                      8.4                    8/1/2005
286600041                                      355                  80                     8.05                    7/1/2005
286600043                                      175                 100                    10.99                    7/1/2005
286600047                                      235                  90                    11.75                    7/1/2005
286600048                                      235                 100                     9.99                    7/1/2005
286600056                                      176                 100                      9.6                    8/1/2005
286600057                                      236                 100                     12.5                    8/1/2005
286600065                                      236                 100                    10.99                    8/1/2005
286600067                                      357                  80                     6.95                    9/1/2005
286600070                                      356                  80                      7.6                    8/1/2005
286600072                                      356                  80                      6.3                    8/1/2005
286600073                                      357                  80                        7                    9/1/2005
286600075                                      357                  75                     5.99                    9/1/2005
286600076                                      356                  90                      7.3                    8/1/2005
286600079                                      356                  80                     8.45                    8/1/2005
286600085                                      357                  70                     8.75                    9/1/2005
286600089                                      356                  80                     7.83                    8/1/2005
286600093                                      236                 100                     10.5                    8/1/2005
286600094                                      236                 100                     9.05                    8/1/2005
286600098                                      236                 100                    10.85                    8/1/2005
286600100                                      357                  80                     7.85                    9/1/2005
286600101                                      357                  85                      8.6                    9/1/2005
286600103                                      357                  80                    6.625                    9/1/2005
286600109                                      357                  80                     6.25                    9/1/2005
286600117                                      358                  80                      6.8                   10/1/2005
286600126                                      359                  90                     8.75                   11/1/2005
286600131                                      358                  50                     7.85                   10/1/2005
286600133                                      358                  80                     6.49                   10/1/2005
286600140                                      358                  80                      6.5                   10/1/2005
286600145                                      357                  80                        7                    9/1/2005
286600147                                      358                  80                     6.55                   10/1/2005
286600152                                      358                  80                     6.25                   10/1/2005
286600154                                      237                 100                    11.15                    9/1/2005
286600159                                      358                  85                     6.65                   10/1/2005
286600164                                      358                  80                     6.19                   10/1/2005
286600166                                      358                45.2                        6                   10/1/2005
286600168                                      358                  90                      6.4                   10/1/2005
286600173                                      358                  80                     5.99                   10/1/2005
286600174                                      358                  80                     7.45                   10/1/2005
286600176                                      358                  80                     6.75                   10/1/2005
286600179                                      358                  80                     5.65                   10/1/2005
286600180                                      358                  80                     7.45                   10/1/2005
286600184                                      358               89.52                     8.15                   10/1/2005
286600185                                      358                  80                     7.44                   10/1/2005
286600188                                      358                  80                     6.75                   10/1/2005
286600233                                      359                  90                      8.5                   11/1/2005
286600239                                      359                  95                     7.05                   11/1/2005
286600244                                      359                 100                     10.5                   11/1/2005
286600248                                      359                 100                      9.8                   11/1/2005
286600252                                      359                  90                     7.15                   11/1/2005
286600254                                      359                 100                     9.85                   11/1/2005
286600260                                      179                 100                      9.5                   11/1/2005
286700019                                      358               78.87                     7.75                   9/15/2005
286700035                                      357                93.5                     6.25                    9/1/2005
286700062                                      357               68.04                     6.75                    9/1/2005
286700137                                      357               85.49                     6.65                    9/1/2005
286700154                                      358               85.49                     6.85                   9/15/2005
286700162                                      357                  70                     7.95                    9/1/2005
286700190                                      358               85.49                    10.25                   9/15/2005
286700271                                      358               80.49                     7.95                   10/1/2005
286902648                                      355               84.49                      7.6                    7/1/2005
286902733                                      356               90.49                     7.65                    8/1/2005
286902788                                      355               83.13                      6.8                    7/1/2005
286902833                                      356               71.36                      8.5                    8/1/2005
286902850                                      236                95.2                    12.75                    8/1/2005
286902889                                      236               86.71                     9.45                   7/14/2005
286902926                                      356               52.63                      9.9                    8/1/2005
286902959                                      357               71.43                     8.75                   8/15/2005
286902979                                      357                  90                     9.35                    9/1/2005
286903022                                      237               99.18                     11.5                   8/15/2005
286903128                                      357               64.99                     8.75                    9/1/2005
286903133                                      357               70.49                     8.55                    9/1/2005
286903152                                      357               78.57                      8.5                    9/1/2005
286903198                                      357                  95                     6.75                    9/1/2005
286903219                                      357                  90                     7.99                    9/1/2005
286903223                                      358                  80                     9.95                   9/15/2005
286903236                                      237                  80                      7.5                    9/1/2005
286903272                                      358               60.88                     6.25                   9/15/2005
286903282                                      357               52.66                     7.69                    9/1/2005
286903313                                      358                  90                      8.8                    9/2/2005
286903314                                      177                62.8                     7.05                    9/1/2005
286903326                                      358               80.49                     9.85                   9/15/2005
286903329                                      357               80.65                     9.35                    9/1/2005
286903332                                      358               85.49                     8.95                   9/15/2005
286903339                                      358               62.35                     6.85                   9/15/2005
286903356                                      358               64.29                      9.2                   9/15/2005
286903357                                      358                  90                     6.99                   9/15/2005
286903371                                      358               94.71                     7.25                   10/1/2005
286903389                                      358               85.29                      6.6                   9/15/2005
286903390                                      358               68.66                      9.8                   9/15/2005
286903408                                      358               87.63                     6.25                   10/1/2005
286903419                                      358               90.49                     8.65                   9/15/2005
286903427                                      358                  90                     7.55                   9/15/2005
286903442                                      357                  90                     10.5                    9/1/2005
286903481                                      358               74.41                     6.25                   10/1/2005
286903557                                      358               78.57                     6.35                   9/15/2005
286903597                                      358               75.49                     6.25                   10/1/2005
286903832                                      359               94.29                     9.75                  10/13/2005
287200651                                      355                  75                     6.99                    7/1/2005
287200652                                      355               50.25                     5.78                    7/1/2005
287200669                                      355                  80                     5.85                    7/1/2005
287200674                                      355                  80                      6.2                    7/1/2005
287200685                                      356               70.27                     7.49                    8/1/2005
287200690                                      356                80.8                     5.75                    8/1/2005
287200704                                      357               50.89                     7.19                    9/1/2005
287200710                                      358                  80                     6.75                   10/1/2005
287200749                                      358               65.55                     6.35                   10/1/2005
287200754                                      358               82.19                     6.55                   10/1/2005
287200771                                      358               82.77                     5.99                   10/1/2005
287200792                                      358                  80                      5.7                   10/1/2005
287200793                                      358                  90                     6.45                   10/1/2005
287200805                                      359                 100                     8.75                   11/1/2005
287301104                                      356                94.5                      6.5                    8/1/2005
287301181                                      356               85.71                     6.86                    8/1/2005
287301194                                      358               85.12                     6.55                   10/1/2005
287301202                                      356               85.09                      7.1                    8/1/2005
287301214                                      356                80.7                      6.1                    8/1/2005
287301216                                      357               90.47                     6.65                    9/1/2005
287301233                                      357               81.72                     6.99                    9/1/2005
287301234                                      357                82.9                     6.75                    9/1/2005
287301252                                      357               84.89                     6.65                    9/1/2005
287301303                                      358                  80                      6.3                   10/1/2005
287301334                                      178                 100                     9.25                   10/1/2005
287301338                                      359                  80                      6.6                   11/1/2005
287301340                                      358               80.54                        6                   10/1/2005
287301342                                      358                  80                      5.9                   10/1/2005
287301347                                      358                  90                      6.8                   10/1/2005
287301351                                      358                90.9                     5.85                   10/1/2005
287301419                                      179                 100                     9.55                   11/1/2005
287500713                                      353                86.7                    7.675                   4/11/2005
287500873                                      355                  80                     6.85                    7/1/2005
287500884                                      355                  80                     6.65                   6/15/2005
287500903                                      355               77.25                     7.04                    7/1/2005
287500904                                      355                  80                     7.83                    7/1/2005
287500911                                      355                  75                     7.35                    7/1/2005
287500921                                      355               87.55                     7.15                    7/1/2005
287500923                                      355                  90                     7.35                    7/1/2005
287500998                                      356                  80                      6.7                    8/1/2005
287501016                                      357               55.56                     8.89                   8/15/2005
287501018                                      357                  80                      7.4                   8/15/2005
287501027                                      357               66.95                      7.3                   8/15/2005
287501029                                      357                  80                     7.25                    9/1/2005
287501062                                      357                67.7                     7.75                   8/13/2005
287501070                                      357                82.4                      6.4                   8/15/2005
287501073                                      357                  90                     7.45                    9/1/2005
287501075                                      357                92.7                     8.49                    9/1/2005
287501083                                      357               84.94                      8.1                    9/1/2005
287501108                                      357                82.4                     7.99                    9/1/2005
287501109                                      358               57.86                     8.35                   9/15/2005
287501124                                      357                82.4                     5.44                    9/1/2005
287501128                                      358               87.55                     7.25                   9/15/2005
287501138                                      358                57.9                     6.55                   9/15/2005
287501160                                      358                  80                      6.8                   10/1/2005
287501173                                      358               61.42                     7.45                   10/1/2005
287501220                                      358                  80                     6.65                   10/1/2005
287501233                                      358                  90                      7.4                   10/1/2005
287501273                                      359                  80                      6.6                  10/15/2005
287501274                                      359                 100                      8.9                  10/15/2005
287501278                                      179                 100                      8.9                   10/9/2005
287501294                                      359                 100                     11.1                   11/1/2005
287501321                                      359                92.7                      5.7                   11/1/2005
287600879                                      354                  65                     7.65                   5/15/2005
287600896                                      353               86.64                     8.85                   4/15/2005
287601055                                      355               87.27                     7.85                   6/11/2005
287601064                                      355               81.75                     7.25                   6/15/2005
287601117                                      355               74.23                        7                    7/1/2005
287601134                                      356                  80                      7.7                   7/15/2005
287601150                                      356                  70                     7.99                    8/1/2005
287601161                                      356                  75                     8.15                    8/1/2005
287601178                                      356                  80                     6.25                    8/1/2005
287601197                                      356                  90                     8.54                    8/1/2005
287601210                                      357               80.85                      7.5                    8/8/2005
287601226                                      357               79.81                     8.99                    9/1/2005
287601229                                      357                  80                      6.2                    9/1/2005
287601231                                      357                  75                     8.49                    9/1/2005
287601254                                      357                  80                      6.9                    9/1/2005
287601270                                      357                92.7                      6.7                    9/1/2005
287601282                                      357                  80                     6.99                    9/1/2005
287601290                                      358                  80                      6.2                   9/15/2005
287601314                                      358                  80                      8.6                   10/1/2005
287601321                                      358                  80                      8.2                   10/1/2005
287601334                                      358                  90                      9.4                   10/1/2005
287601348                                      358                  80                     8.75                   10/1/2005
287601377                                      359                  90                     8.75                  10/15/2005
287601379                                      359                  80                      6.9                  10/15/2005
287601380                                      359                 100                      9.5                   11/1/2005
287601385                                      179                 100                     10.9                  10/12/2005
287700479                                      355               87.55                      6.5                   6/11/2005
287700487                                      355                  90                     5.99                   6/15/2005
287700545                                      355                92.7                      6.3                    7/1/2005
287700580                                      355                  75                     8.99                    7/1/2005
287700582                                      235               88.75                      8.6                    7/1/2005
287700588                                      355                  80                      7.5                    7/1/2005
287700596                                      356                  75                     7.25                   7/15/2005
287700598                                      357               84.29                     8.65                    9/1/2005
287700614                                      356               88.05                      7.5                    8/1/2005
287700622                                      356                  65                     10.3                   7/17/2005
287700629                                      356                  85                     9.09                    8/1/2005
287700665                                      357                  82                      7.1                   8/15/2005
287700676                                      357                  80                     7.19                    8/8/2005
287700691                                      357                  80                     7.29                   8/15/2005
287700696                                      358               70.42                    11.05                    9/8/2005
287700702                                      357               85.49                      8.9                    9/1/2005
287700737                                      357                92.7                      7.7                    9/1/2005
287700742                                      177                 100                    10.55                    9/1/2005
287700746                                      358                  85                      9.3                    9/8/2005
287700754                                      358                  85                      7.8                   10/1/2005
287700772                                      358                  80                      7.5                   9/15/2005
287700781                                      358                  90                      8.6                   10/1/2005
287700819                                      358               81.34                     8.15                   10/1/2005
287700822                                      359                 100                      8.8                  10/13/2005
287700827                                      358                  80                      5.4                   10/1/2005
287700831                                      359                 100                     8.99                  10/15/2005
287700836                                      358                  80                      6.1                   10/1/2005
287700845                                      359                 100                     9.25                  10/12/2005
287700852                                      359                  80                      7.2                   11/1/2005
287700854                                      358                61.8                      8.8                   10/1/2005
287700860                                      358                  80                     7.99                   10/1/2005
287700869                                      359                  80                      5.8                  10/15/2005
287700884                                      359                 100                     9.55                   10/9/2005
287700896                                      359                  80                      6.7                   11/1/2005
287700906                                      359                 100                        9                   11/1/2005
287800204                                      235                  90                     8.05                    7/1/2005
287800243                                      357                  80                     8.85                   8/15/2005
287800245                                      357                92.7                     7.75                   8/15/2005
287800264                                      358                  90                     9.13                   10/1/2005
287800298                                      358                  80                     6.14                   10/1/2005
287800306                                      358                  85                     6.45                   10/1/2005
287800310                                      358                  80                     7.35                   10/1/2005
287900366                                      349                  80                     7.05                    1/1/2005
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287900604                                      233                 100                        9                    5/1/2005
287900656                                      355                  80                      6.3                    7/1/2005
288002886                                      175               94.75                    10.75                    7/1/2005
288002936                                      355               63.89                     8.99                    7/1/2005
288003118                                      174                 100                    10.99                    6/1/2005
288003173                                      175               87.32                      9.2                    7/1/2005
288003342                                      175                 100                    11.65                    7/1/2005
288003359                                      176                 100                    11.15                   7/15/2005
288003370                                      176                 100                     11.5                   7/15/2005
288003377                                      357               75.49                     6.25                    9/1/2005
288003437                                      176                 100                    11.42                    8/1/2005
288003462                                      176                 100                     10.2                   7/15/2005
288003484                                      176                 100                    11.25                    8/1/2005
288003530                                      356               75.49                     6.25                    8/1/2005
288003543                                      357               90.49                      7.5                    9/1/2005
288003546                                      177                 100                    11.25                    9/1/2005
288003561                                      357               62.69                    10.15                   8/15/2005
288003568                                      177                90.1                     10.2                   8/15/2005
288003594                                      177                 100                    10.99                    8/5/2005
288003647                                      357               80.49                     9.45                    9/1/2005
288003660                                      177               95.14                    10.99                   8/15/2005
288003668                                      357               90.49                     6.99                    9/1/2005
288003692                                      357               77.08                     6.99                    9/1/2005
288003710                                      177                 100                    11.29                   8/15/2005
288003750                                      357               80.49                     6.75                    9/1/2005
288003781                                      357               59.51                     8.67                    9/1/2005
288003862                                      358               85.49                     6.75                   10/1/2005
288003882                                      358                  80                     6.25                   10/1/2005
288003974                                      358               85.49                     6.65                   10/1/2005
288103443                                      115                  75                     9.75                    7/1/2005
288103562                                      355               70.42                     8.25                    7/1/2005
288104046                                      358               78.75                     6.85                   9/15/2005
288104326                                      358                  80                     8.99                   10/1/2005
288104398                                      357                55.1                     8.65                    9/1/2005
288104425                                      359               73.53                     9.55                  10/15/2005
288104607                                      358                  75                     6.25                   10/1/2005
288104736                                      359               71.79                      9.2                  10/15/2005
288201506                                      355               13.89                    10.55                    7/1/2005
288201657                                      356               43.08                      7.7                   7/15/2005
288201697                                      356               80.49                     7.45                   7/15/2005
288201737                                      176                 100                    12.35                    8/1/2005
288201809                                      357               13.51                    10.81                   8/15/2005
288201904                                      357               13.51                     10.5                    9/1/2005
288201920                                      358                  95                     9.55                   9/15/2005
288201953                                      357                88.6                     7.35                    9/1/2005
288201975                                      358               75.45                     7.85                   10/1/2005
288202013                                      358               65.49                     7.85                   9/15/2005
288202085                                      358               82.86                     6.25                   10/1/2005
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288302596                                      355                  85                     7.99                   6/15/2005
288302655                                      355               75.49                      7.9                    7/1/2005
288302856                                      356                  90                     7.25                    8/1/2005
288302865                                      356                  90                      7.5                    8/1/2005
288302900                                      356               59.48                     8.85                    8/1/2005
288302945                                      357               70.49                     8.45                   8/15/2005
288302963                                      356                  90                     8.55                    8/1/2005
288303009                                      357                  80                      8.2                    9/1/2005
288303051                                      358                  70                     9.65                   10/1/2005
288303103                                      358               61.38                     6.75                   9/15/2005
288303150                                      358               75.49                     8.99                   9/15/2005
288303275                                      358                  90                     9.85                   10/1/2005
288303287                                      358                  90                     10.5                   10/1/2005
288303374                                      358                  90                     9.75                   10/1/2005
288303431                                      358               85.49                     7.99                   10/1/2005
288303570                                      359               52.13                      9.2                  10/15/2005
288502997                                      356               57.57                      8.9                    8/1/2005
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288503174                                      356               90.49                     6.75                   7/15/2005
288503270                                      356               70.49                    10.15                    8/1/2005
288503282                                      176                94.6                     11.4                    8/1/2005
288503311                                      358               74.28                     8.25                   9/15/2005
288503387                                      176               95.45                    10.95                    8/1/2005
288503440                                      176                 100                    11.58                   7/15/2005
288503472                                      177               90.49                     10.9                   8/11/2005
288503519                                      177               97.89                    11.35                    9/1/2005
288503548                                      177               99.69                     11.3                   8/12/2005
288503683                                      358               85.49                      6.5                   9/15/2005
288503719                                      357               85.49                      6.6                    9/1/2005
288503798                                      237               96.77                    11.71                    9/1/2005
288503820                                      177                  85                      8.5                    9/1/2005
288503838                                      357                  80                     6.25                    9/1/2005
288503855                                      358               60.49                     8.55                   10/1/2005
288503862                                      357               90.49                      6.4                    9/1/2005
288503925                                      357               24.17                     6.35                    9/1/2005
288504011                                      358               52.68                    10.25                   9/10/2005
288504016                                      358               90.49                      7.3                   9/15/2005
288504035                                      358               90.49                     7.55                   9/15/2005
288504075                                      358                69.7                     11.3                   9/10/2005
288504163                                      358                  80                     6.25                   10/1/2005
288504201                                      358               66.36                     6.25                   10/1/2005
288504314                                      358               50.53                     6.25                   10/1/2005
288504449                                      359                 100                    11.74                  10/14/2005
288601519                                      354                  80                     7.99                    6/1/2005
288601974                                      356                 100                     9.99                   7/15/2005
288601975                                      235               95.19                    12.25                    7/1/2005
288602135                                      356                  60                      8.8                   7/15/2005
288602238                                      237                99.4                    12.91                   8/13/2005
288602244                                      357               69.23                     7.55                    9/1/2005
288602342                                      357                  90                      8.1                    9/1/2005
288602395                                      237                 100                     12.9                   8/18/2005
288602408                                      358               47.62                     6.25                   9/15/2005
288602469                                      358                  65                     7.99                   9/15/2005
288602474                                      358               69.49                      7.5                   9/15/2005
288602557                                      358               80.49                      9.8                   10/1/2005
288602569                                      358               64.62                     9.25                   9/15/2005
288602583                                      358               80.49                       10                   10/1/2005
288602604                                      358               61.11                     6.25                   10/1/2005
288602703                                      358               70.74                     6.25                   10/1/2005
288602790                                      359               16.27                     9.85                  10/15/2005
288701481                                      355               80.49                     6.75                   6/15/2005
288701773                                      356               64.65                     8.99                   7/15/2005
288701783                                      236                 100                    11.82                    7/8/2005
288701869                                      356               55.35                     8.96                    8/1/2005
288701977                                      357               75.49                      7.2                    9/1/2005
288701989                                      357               86.92                     7.75                    9/1/2005
288702021                                      358               61.76                     7.35                   9/15/2005
288702022                                      357               75.49                     7.95                    9/1/2005
288702055                                      358               80.49                      9.5                   10/1/2005
288702076                                      358               62.78                     6.25                   9/15/2005
288702108                                      358               75.49                     6.45                   9/15/2005
288702197                                      358               58.14                      9.4                   10/1/2005
288801836                                      356               80.49                     6.99                    8/1/2005
288801876                                      175               92.55                    10.88                    7/1/2005
288802024                                      356                  85                     6.99                   7/15/2005
288802116                                      236               95.45                    10.75                    8/1/2005
288802293                                      358               85.49                     6.95                   10/1/2005
288802337                                      358               85.49                     6.25                   10/1/2005
288802352                                      357               95.49                     6.25                    9/1/2005
288802354                                      357               62.93                     7.85                    9/1/2005
288802387                                      357               84.85                     6.25                    9/1/2005
288802426                                      358               49.44                     6.25                   10/1/2005
288802436                                      358               90.49                        7                   10/1/2005
288802469                                      358               85.49                      6.5                   10/1/2005
288802521                                      358               49.08                     6.25                   10/1/2005
288802532                                      358               90.49                     7.45                   10/1/2005
288901315                                      357                  80                      6.9                    9/1/2005
289001193                                      355                  25                    10.15                    7/1/2005
289001405                                      357                  75                     7.85                    9/1/2005
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289001605                                      179               88.33                     10.1                   11/1/2005
289102552                                      355               85.49                     8.49                    7/1/2005
289103158                                      357               70.49                     9.25                    9/1/2005
289103169                                      357                  80                    10.15                    9/1/2005
289103204                                      358               75.49                    11.28                   9/15/2005
289103277                                      358               80.49                     9.25                   10/1/2005
289103284                                      359               68.78                      9.6                  10/15/2005
289202585                                      235                 100                    12.75                    7/1/2005
289202628                                      237                  80                      7.7                    9/1/2005
289202673                                      356                  90                     8.25                    8/1/2005
289202713                                      176               89.57                    11.35                    8/1/2005
289202886                                      237                 100                       13                   8/15/2005
289203005                                      356               70.08                      9.6                    8/1/2005
289203104                                      237                  80                     7.15                    9/1/2005
289203142                                      357               32.26                     8.25                   8/15/2005
289203150                                      357                 100                      8.9                    9/1/2005
289203167                                      358                  80                     9.85                   9/15/2005
289203181                                      358               85.49                     7.75                   9/15/2005
289203186                                      358                  80                     8.45                   9/15/2005
289203204                                      358               80.49                     6.25                   9/15/2005
289203222                                      358               57.14                     9.95                   9/15/2005
289203437                                      358               66.63                      8.4                   10/1/2005
289203487                                      358                  80                     6.55                   10/1/2005
289301511                                      357               52.63                     9.25                    9/1/2005
289301894                                      236               89.93                     9.55                    8/1/2005
289301899                                      358               79.26                      6.9                   9/15/2005
289301918                                      357               66.97                      9.5                   8/15/2005
289301946                                      357               75.49                    10.75                    9/1/2005
289302097                                      358               50.16                     6.25                   9/15/2005
289302133                                      357                  80                     7.75                    9/1/2005
289302287                                      358               47.97                      9.5                   10/1/2005
289401190                                      176                 100                    10.99                   7/13/2005
289401282                                      236               95.49                    10.85                   7/14/2005
289401389                                      355               65.49                      7.3                    7/1/2005
289401461                                      235                 100                    11.99                    7/1/2005
289401468                                      355                  90                     7.99                    7/1/2005
289401545                                      356               65.49                     7.45                   7/15/2005
289401567                                      356               65.49                     8.25                   7/15/2005
289401929                                      357                  85                      7.5                   8/15/2005
289401954                                      237                87.8                      9.5                   8/13/2005
289402013                                      357                  80                      6.5                    9/1/2005
289402161                                      358               72.36                     6.25                   10/1/2005
289402314                                      118               85.49                     8.65                   10/1/2005
289402345                                      358               85.49                     6.25                   10/1/2005
289402478                                      358               85.49                      7.3                   10/1/2005
289500244                                      355                88.5                     7.85                   6/15/2005
289500274                                      355                72.1                     7.55                    7/1/2005
289500275                                      355                  75                      7.2                   6/17/2005
289500278                                      357                  90                     7.15                    9/1/2005
289500284                                      356               32.08                      8.6                   7/15/2005
289500297                                      355                  90                      7.6                    7/1/2005
289500304                                      356                80.8                      6.9                    8/1/2005
289500305                                      356                92.7                     7.79                    8/1/2005
289500307                                      355               31.85                     8.93                    7/1/2005
289500315                                      355               77.25                     7.25                    7/1/2005
289500339                                      356                  90                     7.45                    8/1/2005
289500340                                      356                  80                     8.25                    8/1/2005
289500349                                      357                  85                     9.95                   8/14/2005
289500374                                      357                93.1                     8.45                    9/1/2005
289500400                                      358                  90                     6.99                   10/1/2005
289500401                                      358                 100                      9.4                   9/15/2005
289500408                                      359                 100                     10.1                   11/1/2005
289500413                                      358                  90                     9.45                   10/1/2005
289500425                                      358                  85                      6.6                   10/1/2005
289500434                                      359                  90                      9.2                  10/15/2005
289500435                                      358                  80                        7                   10/1/2005
289600248                                      355                  80                     7.24                    7/1/2005
289600302                                      355                  80                     6.69                    7/1/2005
289600406                                      357                  80                     6.19                    9/1/2005
289600411                                      356               85.49                     5.95                    8/1/2005
289600420                                      357                82.9                      6.7                    9/1/2005
289600480                                      357                  80                     5.85                    9/1/2005
289600485                                      357               87.21                     6.29                    9/1/2005
289600537                                      358                  80                     5.79                   10/1/2005
289600567                                      358                  90                     7.35                   10/1/2005
289600591                                      358               69.12                     6.85                   10/1/2005
289600603                                      358                  80                     6.55                   10/1/2005
289600614                                      358                  85                      6.6                   10/1/2005
289600631                                      179                 100                     9.55                   11/1/2005
289600696                                      359                 100                     10.7                   11/1/2005
289801683                                      356                  85                      8.4                    8/1/2005
289801732                                      177               48.99                    10.55                    9/1/2005
289801777                                      356                  39                      8.9                    8/1/2005
289802111                                      178               75.49                    10.85                   10/1/2005
289802141                                      357               37.74                     7.25                    9/1/2005
289802253                                      359                  80                      9.4                  10/15/2005
289900006                                      351                  80                     8.95                    3/1/2005
289900608                                      355                  75                     9.95                   6/13/2005
289901035                                      235               96.57                    13.25                    7/1/2005
289901266                                      355               85.49                     8.15                    7/1/2005
289901306                                      356               75.49                      8.5                   7/15/2005
289901324                                      356               97.65                        8                   7/15/2005
289901441                                      236                 100                    11.15                   7/15/2005
289901710                                      357               85.49                     8.95                    9/1/2005
289901772                                      297                  90                    10.65                    9/1/2005
289901879                                      358               85.49                     9.56                   9/15/2005
289901904                                      357               71.85                     6.25                    9/1/2005
289901920                                      357                  80                     7.35                    9/1/2005
289902040                                      358               57.14                     10.7                   10/1/2005
289902055                                      358               65.49                     9.55                   10/1/2005
289902188                                      359               99.85                      8.8                   11/1/2005
290000005                                      358               66.67                     9.45                   9/15/2005
290000064                                      357               75.33                      7.6                    9/1/2005
290000095                                      358               59.47                     8.99                   9/15/2005
290200743                                      358               64.94                     8.05                   9/15/2005
290200828                                      357               90.49                     7.75                   8/15/2005
290200878                                      356               80.49                     7.75                    8/1/2005
290201420                                      358               75.49                     7.45                   10/1/2005
290201448                                      358               88.49                     6.99                   10/1/2005
290300076                                      355               85.49                     7.75                    7/1/2005
290300109                                      355               80.49                      6.5                    7/1/2005
290300275                                      356               68.18                     6.55                    8/1/2005
290300517                                      357               95.49                     6.75                   8/15/2005
290300548                                      357               85.49                     6.75                   8/15/2005
290300549                                      357               85.49                     9.25                    8/6/2005
290300592                                      356               80.49                     6.75                    8/1/2005
290300634                                      236                 100                    11.99                   7/14/2005
290300746                                      357               85.49                      8.2                    9/1/2005
290300758                                      357                  70                     7.25                    9/1/2005
290300927                                      358               53.85                     6.99                   9/15/2005
290301015                                      358               83.58                     7.75                   9/15/2005
290301108                                      357               80.49                     8.75                    9/1/2005
290301381                                      359               70.49                     7.25                   11/1/2005
290301407                                      359                 100                     11.7                  10/15/2005
290301559                                      359               85.49                     6.99                  10/15/2005
290400004                                      176                 100                    11.31                    8/1/2005
290400011                                      357               11.79                     8.45                    9/1/2005
290400259                                      358               85.49                      8.3                   9/15/2005
290400615                                      359                 100                    13.35                  10/15/2005
290500025                                      357                 100                     7.25                    9/1/2005
290500029                                      357                  80                     6.99                    9/1/2005
290500569                                      358               75.49                      8.7                   10/1/2005
290600077                                      358               42.73                     6.95                   9/15/2005
290600154                                      358               95.49                      7.9                   10/1/2005
290800024                                      359               98.62                    10.45                  10/19/2005
290900066                                      358               63.33                      7.5                   10/1/2005
291000024                                      357                  90                     7.55                    9/1/2005
291000084                                      358               77.89                     6.95                   9/15/2005
291000114                                      358                  90                     8.15                   9/15/2005
291000136                                      358               66.07                     7.35                   9/15/2005
291000173                                      358               65.49                     6.25                   9/15/2005
291000206                                      358               80.49                     9.56                   10/1/2005
291000234                                      358                48.5                      6.8                   10/1/2005
291000250                                      358               75.49                     8.35                   10/1/2005
291000257                                      359                  95                     8.25                  10/15/2005
291000349                                      359                  95                     9.68                  10/15/2005
291000406                                      359               78.49                     8.85                   11/1/2005
291100015                                      358               90.49                     6.75                   9/15/2005
291100043                                      358               71.82                     6.25                   9/15/2005
291100075                                      358               67.94                      8.5                   10/1/2005
291100117                                      358               90.49                      6.4                   9/15/2005
291100153                                      358                  80                     6.25                   10/1/2005
291100234                                      359               90.49                     6.95                   11/1/2005
291100444                                      359               16.15                      9.7                  10/15/2005
291300090                                      359               99.99                    11.95                  10/15/2005

Loan Number                 Maturity Date                Servicing Fee                Next Due Date
------------------------------------------------------------------------------------------------------------
148902757                               7/1/2034                            0                     11/1/2005
148903494                              12/1/2019                          0.5                     10/1/2005
148903544                               6/1/2035                            0                     11/1/2005
148903593                               1/1/2035                            0                     11/1/2005
148903683                               1/1/2035                            0                     10/1/2005
148903848                               2/1/2035                            0                     11/1/2005
148903879                               2/1/2020                            0                     11/1/2005
148903910                               7/1/2035                            0                     11/1/2005
148903977                               7/1/2035                            0                     11/1/2005
148904068                               4/1/2035                            0                     11/1/2005
148904107                               8/1/2035                            0                     11/1/2005
148904181                               8/1/2035                          0.5                     11/1/2005
148904192                               7/1/2035                            0                     10/1/2005
148904196                               9/1/2035                          0.5                     11/1/2005
148904235                               9/1/2035                          0.5                     12/1/2005
148904239                               3/1/2035                            0                     11/1/2005
148904291                               8/1/2035                          0.5                     11/1/2005
148904442                               7/1/2035                            0                     11/1/2005
148904451                               7/1/2035                            0                     11/1/2005
148904499                               4/1/2025                            0                     11/1/2005
148904533                               4/1/2035                            0                     11/1/2005
148904537                               6/1/2035                            0                     11/1/2005
148904540                               7/1/2035                            0                     11/1/2005
148904543                               4/1/2035                            0                     11/1/2005
148904664                               6/1/2035                            0                     11/1/2005
148904698                               7/1/2035                            0                     11/1/2005
148904705                               6/1/2035                            0                     11/1/2005
148904761                               7/1/2035                            0                     11/1/2005
148904781                               6/1/2035                            0                     11/1/2005
148904799                               5/1/2035                            0                     11/1/2005
148904810                               6/1/2035                            0                     11/1/2005
148904845                               6/1/2035                            0                     11/1/2005
148904859                               7/1/2035                            0                     11/1/2005
148904867                               7/1/2035                            0                     10/1/2005
148904868                               7/1/2035                            0                     11/1/2005
148904880                               8/1/2035                            0                     11/1/2005
148904888                               6/1/2035                            0                     11/1/2005
148904894                               6/1/2035                            0                     11/1/2005
148904949                               8/1/2035                            0                     11/1/2005
148904955                               6/1/2035                            0                     11/1/2005
148904957                               6/1/2035                            0                     11/1/2005
148904964                               7/1/2035                            0                     11/1/2005
148904975                               6/1/2035                            0                     11/1/2005
148904992                               6/1/2035                            0                     11/1/2005
148904999                               7/1/2035                            0                     11/1/2005
148905006                               6/1/2035                            0                     11/1/2005
148905009                               6/1/2035                            0                     11/1/2005
148905019                               6/1/2035                            0                     11/1/2005
148905020                               6/1/2035                            0                     11/1/2005
148905021                               6/1/2035                            0                     10/1/2005
148905023                               6/1/2035                            0                     11/1/2005
148905027                               6/1/2035                            0                     11/1/2005
148905028                               6/1/2020                            0                     10/1/2005
148905031                               6/1/2035                            0                     11/1/2005
148905037                               6/1/2035                            0                     11/1/2005
148905038                               6/1/2035                            0                     11/1/2005
148905042                               6/1/2035                            0                     10/1/2005
148905044                               6/1/2020                            0                     11/1/2005
148905045                               6/1/2035                            0                     10/1/2005
148905048                               6/1/2025                            0                     11/1/2005
148905052                               6/1/2035                            0                     11/1/2005
148905053                               6/1/2035                            0                     11/1/2005
148905055                               6/1/2035                            0                     11/1/2005
148905060                               6/1/2035                            0                     11/1/2005
148905061                               6/1/2025                            0                     11/1/2005
148905062                               6/1/2025                            0                     11/1/2005
148905064                               8/1/2035                          0.5                     11/1/2005
148905066                               6/1/2035                            0                     11/1/2005
148905067                               6/1/2035                            0                     11/1/2005
148905069                               6/1/2020                            0                     11/1/2005
148905070                               6/1/2025                            0                     11/1/2005
148905071                               7/1/2035                            0                     11/1/2005
148905073                               6/1/2035                            0                     11/1/2005
148905074                               7/1/2035                            0                     11/1/2005
148905076                               6/1/2025                            0                     11/1/2005
148905077                               6/1/2035                            0                     11/1/2005
148905078                               6/1/2035                            0                     10/1/2005
148905083                               6/1/2035                            0                     11/1/2005
148905085                               6/1/2035                            0                     11/1/2005
148905088                               6/1/2035                            0                     11/1/2005
148905089                               6/1/2035                            0                     11/1/2005
148905092                               7/1/2035                            0                     11/1/2005
148905093                               6/1/2025                            0                     11/1/2005
148905095                               6/1/2035                            0                     10/1/2005
148905100                               6/1/2035                            0                     12/1/2005
148905102                               6/1/2035                            0                     11/1/2005
148905106                               6/1/2035                            0                     11/1/2005
148905108                               6/1/2035                            0                     10/1/2005
148905111                               6/1/2035                            0                     11/1/2005
148905113                               7/1/2035                            0                     10/1/2005
148905114                               7/1/2035                            0                     11/1/2005
148905116                               6/1/2020                            0                     11/1/2005
148905117                               6/1/2020                            0                     11/1/2005
148905122                               6/1/2035                            0                     11/1/2005
148905124                               6/1/2020                            0                     11/1/2005
148905125                               6/1/2020                            0                     11/1/2005
148905126                               6/1/2035                            0                     11/1/2005
148905127                               6/1/2020                            0                     11/1/2005
148905128                               6/1/2020                            0                     11/1/2005
148905129                               6/1/2020                            0                     11/1/2005
148905131                               6/1/2035                            0                     11/1/2005
148905135                               6/1/2035                            0                     10/1/2005
148905140                               6/1/2020                            0                     11/1/2005
148905141                               7/1/2035                            0                     12/1/2005
148905142                               6/1/2035                            0                     11/1/2005
148905147                               6/1/2020                            0                     11/1/2005
148905148                               6/1/2020                            0                     11/1/2005
148905149                               6/1/2020                            0                     11/1/2005
148905153                               6/1/2035                            0                     10/1/2005
148905154                               6/1/2035                          0.5                     11/1/2005
148905155                               7/1/2035                            0                     11/1/2005
148905156                               6/1/2035                            0                     11/1/2005
148905158                               7/1/2035                            0                     11/1/2005
148905159                               6/1/2020                            0                     11/1/2005
148905160                               6/1/2020                            0                     12/1/2005
148905161                               7/1/2035                            0                     11/1/2005
148905163                               6/1/2035                            0                     12/1/2005
148905166                               6/1/2020                            0                     10/1/2005
148905167                               6/1/2035                            0                     11/1/2005
148905168                               7/1/2035                            0                     11/1/2005
148905171                               7/1/2035                            0                     11/1/2005
148905176                               6/1/2020                            0                     11/1/2005
148905177                               7/1/2035                            0                     11/1/2005
148905178                               6/1/2025                            0                     11/1/2005
148905179                               6/1/2035                            0                     11/1/2005
148905180                               7/1/2020                            0                     11/1/2005
148905181                               6/1/2020                            0                     11/1/2005
148905183                               6/1/2025                            0                     11/1/2005
148905184                               7/1/2035                            0                     11/1/2005
148905185                               6/1/2020                            0                     11/1/2005
148905186                               6/1/2025                            0                     12/1/2005
148905188                               6/1/2025                            0                     11/1/2005
148905189                               6/1/2020                            0                     11/1/2005
148905191                               6/1/2020                            0                     11/1/2005
148905194                               6/1/2020                            0                     11/1/2005
148905196                               8/1/2035                          0.5                     11/1/2005
148905197                               6/1/2020                            0                     11/1/2005
148905199                               6/1/2020                            0                     11/1/2005
148905201                               6/1/2020                            0                     11/1/2005
148905207                               6/1/2020                            0                     11/1/2005
148905209                               7/1/2035                            0                     11/1/2005
148905214                               7/1/2025                            0                     11/1/2005
148905216                               7/1/2035                            0                     11/1/2005
148905217                               6/1/2025                            0                     11/1/2005
148905224                               7/1/2020                            0                     11/1/2005
148905225                               7/1/2035                            0                     12/1/2005
148905226                               7/1/2035                            0                     11/1/2005
148905227                               7/1/2035                            0                     11/1/2005
148905228                               7/1/2035                            0                     11/1/2005
148905230                               7/1/2020                            0                     11/1/2005
148905231                               7/1/2035                            0                     11/1/2005
148905233                               7/1/2035                            0                     11/1/2005
148905237                               7/1/2025                            0                     11/1/2005
148905238                               8/1/2035                            0                     11/1/2005
148905239                               8/1/2035                          0.5                     11/1/2005
148905240                               7/1/2025                            0                     11/1/2005
148905242                               7/1/2035                            0                     11/1/2005
148905244                               7/1/2020                            0                     11/1/2005
148905255                               7/1/2035                            0                     10/1/2005
148905257                               7/1/2035                            0                     11/1/2005
148905259                               7/1/2035                            0                     11/1/2005
148905260                               7/1/2035                            0                     10/1/2005
148905262                               7/1/2035                            0                     11/1/2005
148905265                               7/1/2035                            0                     11/1/2005
148905267                               7/1/2035                            0                     11/1/2005
148905269                               7/1/2035                            0                     11/1/2005
148905272                               7/1/2020                            0                     11/1/2005
148905273                               7/1/2020                            0                     11/1/2005
148905274                               7/1/2020                            0                     10/1/2005
148905285                               7/1/2035                            0                     11/1/2005
148905287                               7/1/2025                            0                     11/1/2005
148905289                               7/1/2025                            0                     11/1/2005
148905291                               7/1/2020                            0                     11/1/2005
148905292                               7/1/2035                            0                     11/1/2005
148905293                               7/1/2025                            0                     11/1/2005
148905294                               7/1/2020                            0                     11/1/2005
148905295                               7/1/2025                            0                     11/1/2005
148905300                               7/1/2035                            0                     10/1/2005
148905304                               7/1/2025                            0                     11/1/2005
148905305                               7/1/2025                            0                     11/1/2005
148905306                               7/1/2020                            0                     11/1/2005
148905307                               7/1/2020                            0                     11/1/2005
148905309                               7/1/2035                            0                     10/1/2005
148905310                               7/1/2035                            0                     11/1/2005
148905314                               7/1/2035                            0                     11/1/2005
148905317                               7/1/2035                            0                     11/1/2005
148905319                               7/1/2035                            0                     10/1/2005
148905320                               7/1/2020                            0                     11/1/2005
148905321                               7/1/2035                            0                     10/1/2005
148905324                               7/1/2025                            0                     11/1/2005
148905328                               7/1/2020                            0                     10/1/2005
148905330                               7/1/2035                            0                     11/1/2005
148905331                               7/1/2020                            0                     11/1/2005
148905332                               7/1/2035                            0                     11/1/2005
148905335                               7/1/2035                            0                     11/1/2005
148905339                               8/1/2035                            0                     11/1/2005
148905340                               8/1/2035                            0                     10/1/2005
148905343                               7/1/2035                            0                     10/1/2005
148905348                               7/1/2035                            0                     11/1/2005
148905352                               9/1/2035                          0.5                     11/1/2005
148905355                               7/1/2020                            0                     11/1/2005
148905357                               7/1/2025                            0                     10/1/2005
148905358                               7/1/2020                            0                     10/1/2005
148905361                               7/1/2035                            0                     11/1/2005
148905362                               7/1/2035                            0                     11/1/2005
148905364                               7/1/2035                            0                     11/1/2005
148905365                               7/1/2035                            0                     10/1/2005
148905366                               7/1/2035                            0                     11/1/2005
148905368                               7/1/2020                            0                     10/1/2005
148905375                               8/1/2035                            0                     11/1/2005
148905376                               7/1/2020                            0                     11/1/2005
148905377                               7/1/2035                            0                     11/1/2005
148905379                               8/1/2035                            0                     11/1/2005
148905387                               7/1/2035                            0                     10/1/2005
148905389                               7/1/2025                            0                     10/1/2005
148905391                               8/1/2035                            0                     11/1/2005
148905398                               7/1/2025                            0                     11/1/2005
148905401                               7/1/2020                            0                     11/1/2005
148905404                               8/1/2035                            0                     11/1/2005
148905405                               7/1/2020                            0                     11/1/2005
148905406                               7/1/2035                            0                     10/1/2005
148905407                               7/1/2025                            0                     11/1/2005
148905414                               8/1/2035                            0                     11/1/2005
148905416                               7/1/2025                            0                     11/1/2005
148905417                               7/1/2025                            0                     11/1/2005
148905420                               7/1/2035                            0                     11/1/2005
148905424                               7/1/2020                            0                     11/1/2005
148905429                               8/1/2035                            0                     11/1/2005
148905433                               8/1/2035                            0                     11/1/2005
148905437                               8/1/2035                            0                     11/1/2005
148905438                               7/1/2020                            0                     12/1/2005
148905449                               7/1/2025                            0                     11/1/2005
148905451                               8/1/2025                            0                     10/1/2005
148905452                               7/1/2035                            0                     11/1/2005
148905453                               8/1/2035                            0                     10/1/2005
148905458                               8/1/2035                            0                     10/1/2005
148905465                               8/1/2025                            0                     10/1/2005
148905469                               8/1/2020                            0                     11/1/2005
148905472                               8/1/2035                            0                     10/1/2005
148905474                               8/1/2025                            0                     11/1/2005
148905475                               9/1/2035                          0.5                     11/1/2005
148905479                               8/1/2035                          0.5                     11/1/2005
148905488                               8/1/2035                          0.5                     11/1/2005
148905489                               8/1/2035                          0.5                     11/1/2005
148905490                               8/1/2035                            0                     10/1/2005
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148905493                               8/1/2035                          0.5                     11/1/2005
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148905500                               8/1/2020                            0                     10/1/2005
148905501                               8/1/2035                            0                     11/1/2005
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148905504                               8/1/2020                            0                     11/1/2005
148905506                               8/1/2035                            0                     10/1/2005
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148905516                               8/1/2035                            0                     11/1/2005
148905517                               8/1/2035                          0.5                     11/1/2005
148905518                               9/1/2035                          0.5                     11/1/2005
148905521                               8/1/2025                            0                     11/1/2005
148905523                               8/1/2025                            0                     11/1/2005
148905525                               8/1/2020                            0                     11/1/2005
148905527                               9/1/2035                          0.5                     10/1/2005
148905530                               8/1/2035                          0.5                     10/1/2005
148905531                               8/1/2035                          0.5                     11/1/2005
148905538                               8/1/2035                            0                     11/1/2005
148905540                               8/1/2035                          0.5                     11/1/2005
148905541                               9/1/2035                          0.5                     11/1/2005
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148905548                               9/1/2035                            0                     11/1/2005
148905550                               8/1/2035                          0.5                     11/1/2005
148905552                               9/1/2035                          0.5                     12/1/2005
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186300001                               6/1/2035                            0                     10/1/2005
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186300011                               8/1/2035                          0.5                     11/1/2005
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186300096                               8/1/2035                          0.5                     11/1/2005
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242403901                               7/1/2020                          0.5                     10/1/2005
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242711819                               7/1/2035                            0                     11/1/2005
242711866                               7/1/2035                            0                     11/1/2005
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242712086                               8/1/2035                            0                     11/1/2005
242712127                              8/15/2035                            0                    10/15/2005
242712134                               9/1/2035                          0.5                     11/1/2005
242712158                               8/2/2025                            0                     11/2/2005
242712418                              10/1/2035                          0.5                     11/1/2005
242800346                             12/30/2017                            0                    10/30/2005
242819277                               6/1/2035                            0                     11/1/2005
242819587                              5/15/2035                            0                    10/15/2005
242819631                              5/13/2020                            0                    11/13/2005
242819646                               6/1/2035                            0                     11/1/2005
242819670                               8/1/2035                            0                     11/1/2005
242819758                              6/15/2035                            0                    11/15/2005
242819763                               6/1/2020                            0                     11/1/2005
242819774                               7/1/2035                            0                     11/1/2005
242819802                               7/1/2035                            0                     11/1/2005
242819813                              6/15/2035                            0                    10/15/2005
242819817                              7/15/2035                            0                    10/15/2005
242819831                              6/11/2025                            0                    10/11/2005
242819832                               7/1/2035                            0                     11/1/2005
242819868                               7/1/2035                            0                     11/1/2005
242819999                               8/1/2035                            0                     11/1/2005
242820085                               8/1/2035                            0                     11/1/2005
242820155                               8/1/2020                            0                     11/1/2005
242820161                               8/1/2020                            0                     11/1/2005
242820167                              8/15/2035                            0                    10/15/2005
242820170                              8/15/2035                            0                    10/15/2005
242820191                               9/1/2035                          0.5                     11/1/2005
242820200                              8/15/2035                          0.5                    11/15/2005
242820219                              8/15/2035                            0                    10/15/2005
242820255                              8/15/2035                            0                    10/15/2005
242820361                               9/1/2035                          0.5                     11/1/2005
242820411                               9/1/2035                          0.5                     11/1/2005
242820423                              9/15/2035                          0.5                    11/15/2005
242820480                              9/15/2035                          0.5                    11/15/2005
242820498                               9/1/2035                          0.5                     11/1/2005
242820513                              9/13/2035                          0.5                    11/13/2005
242820516                              9/15/2035                          0.5                    11/15/2005
242900629                             10/30/2007                            0                     9/30/2005
242900720                             11/29/2012                            0                     9/29/2005
242900722                             12/22/2007                            0                     9/22/2005
242907747                               7/1/2030                          0.5                     10/1/2005
242907837                              6/19/2030                          0.5                    11/19/2005
242907846                              6/15/2015                          0.5                    10/15/2005
242907919                               7/1/2030                          0.5                     11/1/2005
242907936                               7/1/2012                          0.5                     11/1/2005
242907945                               7/5/2010                          0.5                     10/5/2005
242907948                               7/1/2015                          0.5                     10/1/2005
242908182                              8/14/2015                          0.5                    10/14/2005
242922647                               6/1/2035                            0                     10/1/2005
242922897                               5/1/2035                            0                     11/1/2005
242923205                              6/15/2035                            0                    11/15/2005
243103471                               7/1/2030                          0.5                     10/1/2005
243113201                               2/1/2035                            0                     10/1/2005
243113727                              4/15/2035                            0                    11/15/2005
243114005                               6/1/2035                            0                     11/1/2005
243114037                               6/1/2035                            0                     10/1/2005
243114355                               6/1/2025                            0                     11/1/2005
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243114435                               7/1/2035                            0                     11/1/2005
243114546                               7/1/2035                            0                     11/1/2005
243114564                              8/15/2035                          0.5                    10/15/2005
243114620                               8/1/2035                            0                     11/1/2005
243114685                               7/1/2025                            0                     11/1/2005
243114706                              7/15/2035                            0                    10/15/2005
243114732                               8/1/2035                            0                     10/1/2005
243114743                               8/4/2035                            0                     11/4/2005
243114788                               8/1/2035                            0                     11/1/2005
243114823                               8/1/2035                            0                     10/1/2005
243114930                              8/15/2035                          0.5                    11/15/2005
243114940                               9/1/2035                          0.5                     11/1/2005
243114988                              8/15/2035                          0.5                    11/15/2005
243214306                              5/15/2035                            0                    10/15/2005
243214384                              5/15/2035                            0                    11/15/2005
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243214692                              6/15/2025                            0                    10/15/2005
243214703                               8/1/2035                            0                     11/1/2005
243214722                              6/15/2020                            0                    11/15/2005
243214751                               8/1/2035                            0                     11/1/2005
243214795                               7/1/2025                            0                     11/1/2005
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243214891                               8/1/2035                            0                     10/1/2005
243214947                               8/1/2035                            0                     11/1/2005
243214957                               8/1/2035                            0                     11/1/2005
243214999                              8/15/2035                          0.5                    11/15/2005
243215067                              8/15/2035                            0                    10/15/2005
243303923                               8/1/2015                          0.5                     10/1/2005
243319598                               8/1/2035                            0                     11/1/2005
243319625                               8/1/2035                            0                     10/1/2005
243319695                              8/15/2035                            0                    10/15/2005
243319704                              8/15/2035                          0.5                    11/15/2005
243319746                               8/1/2035                            0                     11/1/2005
243319893                               9/1/2035                          0.5                     11/1/2005
243319949                               9/1/2035                          0.5                     11/1/2005
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243416682                              6/15/2035                            0                    10/15/2005
243416737                              5/15/2035                            0                    10/15/2005
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243416944                               7/1/2035                            0                     10/1/2005
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243417065                               8/1/2035                            0                     11/1/2005
243417083                              8/15/2035                            0                    10/15/2005
243417106                               9/1/2035                          0.5                     11/1/2005
243417127                               8/1/2035                            0                     11/1/2005
243417133                              7/15/2035                            0                    10/15/2005
243417159                               8/1/2035                            0                     11/1/2005
243417230                              9/15/2035                          0.5                    11/15/2005
243417252                              8/15/2035                            0                    11/15/2005
243417259                              8/15/2035                            0                    11/15/2005
243503955                              6/15/2030                          0.5                    11/15/2005
243503962                               7/1/2030                          0.5                     10/1/2005
243504008                               8/1/2030                          0.5                     10/1/2005
243504167                              7/14/2010                          0.5                    11/14/2005
243504322                               8/1/2030                          0.5                     11/1/2005
243504388                               8/7/2020                          0.5                     11/7/2005
243521285                               6/1/2035                            0                     11/1/2005
243521479                               7/1/2035                            0                     10/1/2005
243521543                               7/1/2035                            0                     11/1/2005
243521565                              7/15/2035                            0                    10/15/2005
243521645                               8/1/2020                            0                     11/1/2005
243521726                              7/15/2035                            0                    11/15/2005
243521759                               8/1/2035                            0                     11/1/2005
243521796                               8/1/2035                            0                     11/1/2005
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243521876                               8/1/2035                            0                     11/1/2005
243521909                              8/15/2035                            0                    10/15/2005
243521931                              8/15/2035                          0.5                    11/15/2005
243521963                               8/8/2035                            0                     11/8/2005
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243522052                              10/1/2035                          0.5                     11/1/2005
243522059                              10/1/2035                          0.5                     11/1/2005
243522078                               9/1/2035                          0.5                     12/1/2005
243522098                               9/1/2035                          0.5                     12/1/2005
243522101                              10/1/2035                          0.5                     12/1/2005
243522117                               9/1/2035                          0.5                     11/1/2005
243522172                               9/1/2035                          0.5                     12/1/2005
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243603756                               6/1/2030                          0.5                     11/1/2005
243603797                               6/1/2030                          0.5                     11/1/2005
243603923                               6/1/2015                          0.5                     11/1/2005
243604063                               7/1/2030                          0.5                     11/1/2005
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243604237                               8/1/2030                          0.5                     11/1/2005
243604370                               8/1/2030                          0.5                     11/1/2005
243604372                              8/14/2020                          0.5                    10/14/2005
243604407                               8/1/2030                          0.5                     11/1/2005
243604489                               8/8/2030                          0.5                     10/8/2005
243604512                               8/1/2030                          0.5                     10/1/2005
243604558                               8/1/2020                          0.5                     11/1/2005
243604589                               9/1/2020                          0.5                     11/1/2005
243604658                              8/11/2030                          0.5                    10/11/2005
243615927                              5/14/2020                            0                    10/14/2005
243616087                               5/1/2035                            0                     11/1/2005
243616098                               6/1/2035                            0                     11/1/2005
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243616567                               9/1/2035                          0.5                     12/1/2005
243616594                              9/15/2035                          0.5                    11/15/2005
243712933                               6/1/2035                            0                     11/1/2005
243713088                               6/1/2025                            0                     11/1/2005
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243713473                              7/15/2035                            0                    11/15/2005
243713540                               9/1/2035                          0.5                     11/1/2005
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243713655                               8/1/2035                            0                     11/1/2005
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243818400                               8/1/2035                            0                     11/1/2005
243818520                              8/15/2035                          0.5                    11/15/2005
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243901657                               6/1/2030                          0.5                     11/1/2005
244102814                               6/1/2015                          0.5                     11/1/2005
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244102897                              6/15/2030                          0.5                    10/15/2005
244102921                               7/1/2030                          0.5                     11/1/2005
244102963                               8/1/2015                          0.5                     10/1/2005
244103224                              7/17/2015                          0.5                    11/17/2005
244103305                              7/17/2015                          0.5                    11/18/2005
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244122852                               4/1/2035                            0                     10/1/2005
244123428                               5/1/2035                            0                     11/1/2005
244123472                              5/15/2035                            0                    11/15/2005
244123539                              5/15/2035                            0                    10/15/2005
244123750                               6/1/2035                            0                     11/1/2005
244123752                               6/1/2025                            0                     11/1/2005
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244123832                              6/15/2035                            0                    10/15/2005
244123989                               8/1/2028                            0                     11/1/2005
244124008                               8/1/2035                            0                     11/1/2005
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244124194                               8/1/2035                            0                     11/1/2005
244124195                               9/1/2035                          0.5                     11/1/2005
244124229                              10/1/2035                          0.5                     11/1/2005
244124675                              10/1/2035                          0.5                     11/1/2005
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244211405                               6/1/2035                            0                     11/1/2005
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244211551                              5/14/2025                            0                    10/14/2005
244211574                               6/1/2035                            0                     10/1/2005
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244211756                               8/1/2035                            0                     10/1/2005
244211865                               9/1/2035                          0.5                     11/1/2005
244211877                              7/15/2025                            0                    11/15/2005
244211930                               8/1/2035                            0                     11/1/2005
244211986                               9/1/2035                          0.5                     11/1/2005
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244212041                               8/1/2035                            0                     11/1/2005
244212184                              9/15/2035                          0.5                    11/15/2005
244402463                               8/1/2030                          0.5                     10/1/2005
244402480                               7/1/2015                          0.5                     10/1/2005
244412691                               5/1/2035                            0                     11/1/2005
244412852                               6/2/2035                            0                     11/2/2005
244412910                              6/15/2035                            0                    10/15/2005
244413008                              7/15/2035                            0                     9/15/2005
244413016                               8/1/2035                            0                     11/1/2005
244413126                               8/1/2020                            0                     11/1/2005
244413127                               8/1/2035                            0                     10/1/2005
244413174                              8/15/2035                          0.5                    11/15/2005
244413197                               9/1/2035                          0.5                     10/1/2005
244413235                              8/15/2035                          0.5                    10/15/2005
244502599                              6/12/2030                          0.5                    11/12/2005
244502600                              6/14/2030                          0.5                    11/14/2005
244502643                              7/19/2015                          0.5                    10/19/2005
244502759                              7/15/2030                          0.5                    10/15/2005
244502808                               7/1/2030                          0.5                     10/1/2005
244502849                              7/18/2010                          0.5                    11/18/2005
244503028                               8/1/2030                          0.5                     11/1/2005
244503040                               9/1/2030                          0.5                     11/1/2005
244503108                              8/16/2015                          0.5                    11/16/2005
244519218                              5/15/2035                            0                    11/15/2005
244519260                               6/1/2035                            0                     11/1/2005
244519290                               6/1/2035                            0                     11/1/2005
244519365                               6/1/2025                            0                     11/1/2005
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244519938                               9/1/2035                          0.5                     11/1/2005
244519971                               9/1/2035                          0.5                     12/1/2005
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244601535                               6/2/2030                          0.5                     11/2/2005
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244815510                               7/1/2035                            0                     12/1/2005
244815782                               8/1/2035                            0                     11/1/2005
244816010                               9/6/2015                          0.5                     11/6/2005
244900460                               8/1/2015                          0.5                     11/1/2005
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245002278                               7/1/2030                          0.5                     11/1/2005
245102695                               7/1/2030                          0.5                     10/1/2005
245107772                               6/1/2035                            0                     11/1/2005
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245107912                              7/11/2035                            0                    10/11/2005
245107932                               8/1/2035                            0                     10/1/2005
245107934                               8/1/2035                            0                     11/1/2005
245107941                               8/1/2035                            0                     11/1/2005
245107942                               8/1/2035                            0                     10/1/2005
245107968                               9/1/2035                          0.5                     12/1/2005
245204294                               9/1/2030                          0.5                     11/1/2005
245211318                              10/1/2034                            0                     10/1/2005
245212262                              5/15/2035                            0                    11/15/2005
245212306                               6/1/2035                            0                     11/1/2005
245212323                               6/1/2035                            0                     11/1/2005
245212334                              6/15/2035                            0                    10/15/2005
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245212380                               7/1/2035                            0                     10/1/2005
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245212393                               7/1/2035                            0                     11/1/2005
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245212402                               7/1/2035                            0                     11/1/2005
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245212568                              8/15/2035                          0.5                    11/15/2005
245212585                               9/1/2035                          0.5                     11/1/2005
245212702                              10/1/2035                          0.5                     12/1/2005
245305109                               3/1/2035                            0                     12/1/2005
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245305204                               6/1/2035                            0                     11/1/2005
245305210                               6/1/2035                            0                     11/1/2005
245305236                              8/15/2035                            0                     9/15/2005
245305258                               9/1/2035                          0.5                     11/1/2005
245305264                               9/1/2035                          0.5                     12/1/2005
245305287                              9/15/2035                          0.5                    11/15/2005
245305325                              9/15/2035                          0.5                    11/15/2005
245305330                              9/15/2020                          0.5                    11/15/2005
245305334                              9/15/2035                          0.5                    11/15/2005
245305337                              9/14/2035                          0.5                    11/14/2005
245409060                              5/15/2035                            0                    10/15/2005
245409066                               6/1/2020                            0                     11/1/2005
245409116                               6/1/2035                            0                     11/1/2005
245409133                              6/15/2035                            0                    11/15/2005
245409147                              6/15/2035                            0                    10/15/2005
245409157                               7/1/2035                            0                     11/1/2005
245409162                               7/1/2035                            0                      9/1/2005
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248605760                               7/1/2035                            0                     10/1/2005
248605762                               7/1/2020                            0                     12/1/2005
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248605775                               7/1/2035                            0                     10/1/2005
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251100729                               8/1/2035                            0                     11/1/2005
251100731                               8/1/2035                          0.5                     11/1/2005
251100747                               8/1/2035                            0                     11/1/2005
251100764                               8/1/2035                          0.5                     12/1/2005
251100772                               9/1/2035                          0.5                     11/1/2005
251100783                               8/1/2035                          0.5                     12/1/2005
251100786                               8/1/2020                          0.5                     12/1/2005
251100829                               9/1/2035                          0.5                     11/1/2005
251100843                               9/1/2035                          0.5                     11/1/2005
251100844                              10/1/2020                          0.5                     11/1/2005
251100861                              10/1/2020                          0.5                     11/1/2005
251100872                              10/1/2035                          0.5                     12/1/2005
251100893                              10/1/2035                          0.5                     11/1/2005
251201053                               6/1/2035                            0                     11/1/2005
251201103                               7/1/2035                            0                     11/1/2005
251201124                               7/1/2035                            0                     11/1/2005
251201196                              8/15/2035                          0.5                    11/15/2005
251201206                               9/1/2035                          0.5                     11/1/2005
251301254                               6/1/2035                            0                     10/1/2005
251301301                               7/1/2035                            0                     11/1/2005
251301305                               7/1/2035                            0                     11/1/2005
251301315                              7/15/2035                            0                    10/15/2005
251301331                              7/15/2035                            0                    10/15/2005
251400937                              5/15/2035                            0                    10/15/2005
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251401004                              6/15/2035                            0                    11/15/2005
251401008                               6/1/2035                            0                     11/1/2005
251401040                               7/1/2035                          0.5                     12/1/2005
251401062                               7/1/2035                            0                     11/1/2005
251401093                               8/1/2035                            0                     11/1/2005
251401143                              8/15/2035                          0.5                    11/15/2005
251401148                              8/15/2035                          0.5                    11/15/2005
251401183                              9/15/2035                          0.5                    11/15/2005
251401198                               9/1/2035                          0.5                     11/1/2005
251401234                              10/1/2035                          0.5                     12/1/2005
251500889                              4/15/2035                          0.5                    11/15/2005
251500916                              5/15/2035                            0                    11/15/2005
251500941                              5/15/2035                            0                    10/15/2005
251500947                               6/1/2035                            0                     11/1/2005
251500956                               6/1/2035                            0                     11/1/2005
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251501044                               8/1/2035                            0                     11/1/2005
251501047                               8/1/2035                          0.5                     12/1/2005
251501065                               8/1/2035                          0.5                     11/1/2005
251501070                               9/1/2035                          0.5                     12/1/2005
251501086                               8/1/2035                          0.5                     11/1/2005
251501135                               9/1/2035                          0.5                     11/1/2005
251501162                              9/15/2035                          0.5                    11/15/2005
251501165                               9/1/2035                          0.5                     11/1/2005
251501197                              9/15/2035                          0.5                    11/15/2005
251501199                              9/15/2035                          0.5                    11/15/2005
251600978                               4/1/2035                            0                     11/1/2005
251601038                              4/15/2035                            0                    10/15/2005
251601169                               6/1/2035                            0                     11/1/2005
251601213                               7/1/2025                            0                     11/1/2005
251601218                              7/15/2035                            0                     9/15/2005
251601284                              8/15/2035                          0.5                    11/15/2005
251601290                               8/1/2035                          0.5                     12/1/2005
251601321                               9/1/2035                          0.5                     12/1/2005
251601351                              9/15/2035                          0.5                    11/15/2005
251601352                               9/8/2025                          0.5                     11/8/2005
251601362                               9/1/2035                          0.5                     11/1/2005
251601373                               9/1/2035                          0.5                     11/1/2005
251601388                              9/15/2035                          0.5                    11/15/2005
251601389                               9/8/2035                          0.5                     11/8/2005
252004760                               6/1/2035                            0                     11/1/2005
252004802                               7/1/2035                            0                     11/1/2005
252004856                               7/1/2035                            0                     11/1/2005
252004868                              7/15/2035                            0                    10/15/2005
252004887                               8/1/2035                            0                     10/1/2005
252004960                              8/15/2035                          0.5                    11/15/2005
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252005034                               9/1/2035                          0.5                     11/1/2005
252005046                               9/1/2035                          0.5                     11/1/2005
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252005082                               9/9/2035                          0.5                     11/9/2005
252005096                              10/1/2035                          0.5                     11/1/2005
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252205402                               6/1/2035                            0                     10/1/2005
252205571                               5/1/2035                            0                     11/1/2005
252205656                               6/1/2035                            0                     11/1/2005
252205925                               7/1/2035                            0                     11/1/2005
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252206194                               7/1/2035                            0                     10/1/2005
252206225                               7/1/2035                            0                     11/1/2005
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252206356                               8/1/2035                            0                     10/1/2005
252206398                              8/15/2035                            0                    10/15/2005
252206601                               9/1/2035                          0.5                     11/1/2005
252402166                               4/1/2034                            0                     11/1/2005
252405038                               6/1/2035                            0                     11/1/2005
252405039                               6/1/2035                            0                     10/1/2005
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252405679                               9/1/2035                          0.5                     11/1/2005
252405705                              8/15/2035                          0.5                    11/15/2005
252405711                              8/15/2035                          0.5                    11/15/2005
252405755                              8/15/2035                          0.5                    11/15/2005
252405768                               9/1/2035                          0.5                     11/1/2005
252405964                              10/1/2035                          0.5                     11/1/2005
252505413                               6/1/2035                            0                     11/1/2005
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252505955                               9/1/2035                          0.5                     11/1/2005
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252506001                              8/15/2035                            0                    10/15/2005
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252506020                               9/1/2035                          0.5                     11/1/2005
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252506180                               9/1/2035                          0.5                     12/1/2005
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252707782                               6/1/2035                            0                     10/1/2005
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252708030                               5/1/2035                            0                     11/1/2005
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252708421                               6/1/2020                            0                     11/1/2005
252708476                               7/1/2035                            0                     11/1/2005
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252708690                              6/15/2035                            0                    11/15/2005
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252708921                               8/1/2035                            0                     10/1/2005
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252709352                               9/1/2035                          0.5                     11/1/2005
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253004530                               7/1/2035                            0                     11/1/2005
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253005594                              8/15/2035                          0.5                    11/15/2005
253005609                              8/15/2035                          0.5                    11/15/2005
253005660                               9/1/2035                          0.5                     11/1/2005
253005861                               9/1/2035                          0.5                     11/1/2005
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253104391                               8/1/2035                          0.5                     11/1/2005
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253203661                               5/1/2035                            0                     11/1/2005
253203935                               6/1/2035                            0                     10/1/2005
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253204222                               7/1/2035                            0                     11/1/2005
253204300                               8/1/2035                            0                     11/1/2005
253204309                               7/1/2020                            0                     11/1/2005
253204427                               8/1/2035                            0                     11/1/2005
253204450                              8/10/2020                            0                    11/10/2005
253204611                              8/15/2035                            0                    11/15/2005
253204715                               9/1/2035                          0.5                     11/1/2005
253204754                               9/1/2035                          0.5                     11/1/2005
253204926                              10/1/2035                          0.5                     11/1/2005
253303578                               6/1/2035                            0                     11/1/2005
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253303702                               7/1/2025                            0                     11/1/2005
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253304149                               9/1/2035                          0.5                     11/1/2005
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253304320                              8/15/2035                          0.5                    11/15/2005
253304423                               9/1/2035                          0.5                     11/1/2005
253304467                              9/15/2035                          0.5                    11/15/2005
253401444                              12/1/2024                          0.5                     10/1/2005
253402434                               6/1/2035                            0                     11/1/2005
253402476                               7/1/2025                            0                     11/1/2005
253402667                               7/1/2035                            0                     11/1/2005
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253402855                               8/1/2035                            0                     11/1/2005
253402864                              8/15/2035                            0                    10/15/2005
253402898                              8/15/2035                          0.5                    11/15/2005
253402905                               9/1/2035                          0.5                     11/1/2005
253402918                               8/1/2035                            0                     11/1/2005
253503284                               6/1/2020                            0                     11/1/2005
253503476                              6/15/2035                            0                    12/15/2005
253503546                              6/15/2035                            0                    10/15/2005
253503827                              8/15/2035                            0                    10/15/2005
253504024                               8/1/2035                            0                     10/1/2005
253504036                               8/1/2035                            0                     11/1/2005
253504206                               9/1/2035                          0.5                     12/1/2005
253504251                               9/1/2035                          0.5                     12/1/2005
253603332                              5/15/2035                            0                     9/15/2005
253603370                               5/1/2035                            0                     11/1/2005
253603384                               6/1/2035                            0                     11/1/2005
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253603841                               8/1/2035                            0                     11/1/2005
253603863                              8/15/2035                            0                    10/15/2005
253603871                               8/8/2015                            0                     11/8/2005
253603898                               9/1/2035                          0.5                      2/1/2006
253603922                              8/15/2035                          0.5                    10/15/2005
253603965                               9/1/2035                          0.5                     11/1/2005
253603974                              8/15/2035                          0.5                    10/15/2005
253604021                              8/15/2035                          0.5                    11/15/2005
253604091                               9/1/2035                          0.5                     11/1/2005
253604107                               9/1/2035                          0.5                     12/1/2005
253604119                               9/1/2035                          0.5                     11/1/2005
253604151                              9/15/2035                          0.5                    11/15/2005
253704663                              2/15/2035                            0                    10/15/2005
253705301                              6/15/2035                            0                    10/15/2005
253705354                               5/1/2020                            0                     11/1/2005
253705381                              5/14/2020                            0                    12/14/2005
253705524                               6/1/2035                            0                     11/1/2005
253705575                               7/1/2035                            0                     11/1/2005
253705590                               6/7/2020                            0                     10/7/2005
253705654                               6/1/2025                            0                     12/1/2005
253705672                              6/15/2035                            0                    10/15/2005
253705708                               8/1/2035                            0                     11/1/2005
253705723                              7/15/2035                            0                    10/15/2005
253705852                               7/1/2020                            0                     11/1/2005
253705995                              8/15/2035                          0.5                    11/15/2005
253706019                              8/13/2035                          0.5                    11/13/2005
253706029                              8/15/2035                          0.5                    11/15/2005
253706043                               8/1/2035                            0                     11/1/2005
253706061                              8/15/2035                          0.5                    11/15/2005
253706128                              8/15/2035                          0.5                    11/15/2005
253706130                               8/1/2035                            0                     10/1/2005
253706168                              8/15/2035                          0.5                    11/15/2005
253706176                               9/1/2035                          0.5                     11/1/2005
253706254                               9/1/2035                          0.5                     11/1/2005
253706508                              10/1/2035                          0.5                     12/1/2005
253804826                               6/1/2025                            0                     11/1/2005
253804859                              5/11/2020                            0                    10/11/2005
253804930                               7/1/2035                            0                     11/1/2005
253805045                               7/1/2025                            0                     12/1/2005
253805091                               8/1/2035                            0                     11/1/2005
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253805116                               8/1/2035                            0                     11/1/2005
253805173                              8/15/2035                            0                    10/15/2005
253805212                               9/1/2035                          0.5                     11/1/2005
253905227                              2/14/2025                            0                    11/14/2005
253905726                               6/1/2035                            0                     11/1/2005
253906095                              7/14/2025                            0                    10/14/2005
253906159                               8/1/2035                            0                     11/1/2005
253906161                              7/15/2025                            0                    10/15/2005
253906260                               8/1/2035                            0                     10/1/2005
253906311                              8/15/2035                            0                    11/15/2005
253906316                              8/15/2035                            0                    11/15/2005
254006509                              5/13/2025                            0                    10/13/2005
254006566                              5/15/2035                            0                    11/15/2005
254006629                               6/1/2035                            0                     11/1/2005
254006706                               6/1/2035                            0                     11/1/2005
254006813                               9/1/2035                          0.5                     11/1/2005
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254007034                               7/1/2035                            0                     11/1/2005
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254007056                               7/1/2025                            0                     11/1/2005
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254007182                               8/1/2035                            0                     11/1/2005
254007288                              8/15/2035                          0.5                    10/15/2005
254007361                               9/1/2035                          0.5                     11/1/2005
254104528                              12/1/2034                            0                     11/1/2005
254106092                               6/1/2035                            0                     10/1/2005
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254106344                               7/1/2035                            0                     10/1/2005
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254106922                              8/15/2035                            0                    10/15/2005
254107001                              8/15/2035                          0.5                    11/15/2005
254107065                               9/1/2035                          0.5                     11/1/2005
254107079                              9/15/2035                          0.5                    10/15/2005
254107085                               9/1/2035                          0.5                     12/1/2005
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254205584                               8/1/2035                            0                     11/1/2005
254205672                               9/1/2035                          0.5                     11/1/2005
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254205682                               9/1/2035                          0.5                     11/1/2005
254205714                               9/1/2035                          0.5                     11/1/2005
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254205800                               9/1/2035                          0.5                     12/1/2005
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254507730                               5/1/2025                            0                     11/1/2005
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254508653                               8/1/2025                            0                     12/1/2005
254508701                               9/1/2035                          0.5                     11/1/2005
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254508744                               8/1/2035                            0                     11/1/2005
254508786                               8/1/2035                            0                     11/1/2005
254508819                               8/1/2035                            0                     11/1/2005
254508846                               8/1/2035                            0                     11/1/2005
254508891                               8/1/2020                            0                     11/1/2005
254508918                              8/15/2035                          0.5                    11/15/2005
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254509049                               9/1/2035                          0.5                     11/1/2005
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254509273                              10/1/2035                          0.5                     11/1/2005
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254607022                              6/15/2035                            0                    11/15/2005
254607120                               6/1/2025                            0                     10/1/2005
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254607440                               8/1/2025                            0                     11/1/2005
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254607591                              8/15/2035                            0                    10/15/2005
254607636                               8/5/2035                            0                     11/5/2005
254607651                               8/1/2035                            0                     12/1/2005
254607690                              10/1/2035                          0.5                     11/1/2005
254607705                              8/15/2035                          0.5                    11/15/2005
254706068                              5/14/2020                            0                    10/14/2005
254706292                               7/1/2020                            0                     11/1/2005
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254706413                              7/15/2035                            0                    10/15/2005
254706453                              8/15/2035                            0                    11/15/2005
254706454                               8/9/2035                          0.5                     11/9/2005
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254706570                               8/1/2025                            0                     11/1/2005
254706585                              8/15/2035                            0                    10/15/2005
254706601                               8/1/2035                            0                     10/1/2005
254706621                              8/15/2035                          0.5                    11/15/2005
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254706648                              8/15/2035                          0.5                    11/15/2005
254706662                              8/15/2035                          0.5                    11/15/2005
254706670                              8/15/2035                          0.5                    11/15/2005
254706754                               9/1/2035                          0.5                     11/1/2005
254706829                               9/1/2035                          0.5                     11/1/2005
254808619                              6/15/2035                            0                    12/15/2005
254809462                               7/1/2035                            0                     11/1/2005
254809668                               8/1/2035                            0                     11/1/2005
254809798                               8/1/2035                            0                     11/1/2005
254809813                               8/1/2035                            0                     11/1/2005
254809819                               8/1/2035                          0.5                     12/1/2005
254809837                               8/1/2035                            0                     11/1/2005
254809841                               8/1/2035                            0                     11/1/2005
254809846                               8/1/2035                            0                     11/1/2005
254809852                               8/1/2035                            0                     11/1/2005
254809869                               8/1/2020                            0                     11/1/2005
254809880                               9/1/2035                          0.5                     12/1/2005
254809898                              8/15/2035                            0                    11/15/2005
254809930                               8/1/2035                            0                     11/1/2005
254809942                               8/1/2035                            0                     11/1/2005
254810033                              8/15/2035                            0                    10/15/2005
254810038                               8/9/2035                            0                     11/9/2005
254810285                              10/1/2035                          0.5                     11/1/2005
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254910211                               7/1/2035                            0                     11/1/2005
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254910655                              8/15/2035                          0.5                    11/15/2005
254910665                               8/5/2015                            0                     11/5/2005
254910775                               9/1/2035                          0.5                     12/1/2005
254911050                              10/1/2035                          0.5                     12/1/2005
255001194                              6/19/2020                          0.5                    11/19/2005
255001356                              7/18/2020                          0.5                    11/18/2005
255001363                               8/1/2030                          0.5                     11/1/2005
255001408                               8/1/2030                          0.5                     11/1/2005
255001426                               9/1/2015                          0.5                     11/1/2005
255102719                              6/14/2030                          0.5                    11/14/2005
255103898                               7/1/2030                          0.5                     10/1/2005
255103917                               7/1/2015                          0.5                     11/1/2005
255103988                               7/1/2020                          0.5                     10/1/2005
255302046                               7/1/2020                          0.5                     10/1/2005
255302275                               7/1/2017                          0.5                     11/1/2005
255302284                               6/1/2012                          0.5                     11/1/2005
255302300                               6/1/2015                          0.5                     11/1/2005
255302601                               8/7/2015                          0.5                     10/7/2005
255302749                              8/14/2010                          0.5                    11/14/2005
255316280                               8/1/2034                            0                     10/1/2005
255318896                               6/1/2035                            0                     11/1/2005
255319032                               7/1/2035                            0                     10/1/2005
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255319090                               7/1/2035                            0                     11/1/2005
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255319328                               8/1/2025                            0                     11/1/2005
255319351                               9/1/2035                          0.5                     11/1/2005
255319380                               8/1/2035                            0                     11/1/2005
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255319463                               8/9/2035                            0                     11/9/2005
255319590                               9/1/2035                          0.5                     11/1/2005
255401269                               6/1/2030                          0.5                     10/1/2005
255401511                               8/1/2020                          0.5                     11/1/2005
255411430                              10/1/2014                            0                     10/1/2005
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255413576                               8/1/2035                            0                     10/1/2005
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255501729                               6/1/2030                          0.5                     11/1/2005
255501783                               7/1/2015                          0.5                     11/1/2005
255501785                               7/1/2015                          0.5                     10/1/2005
255602113                               6/1/2025                          0.5                    11/15/2005
255602269                              6/14/2030                          0.5                    11/14/2005
255602299                               7/1/2020                          0.5                    11/10/2005
255602590                               8/1/2030                          0.5                     11/1/2005
255615155                               5/1/2035                            0                     11/1/2005
255615253                               7/1/2035                            0                     11/1/2005
255615409                              6/13/2030                            0                    10/13/2005
255615530                              8/11/2015                          0.5                    11/11/2005
255615609                               8/1/2035                            0                     11/1/2005
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255615613                               8/1/2035                            0                     11/1/2005
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255702407                               8/1/2020                          0.5                     10/1/2005
255702452                               7/1/2030                          0.5                     10/1/2005
255702537                               8/7/2030                          0.5                     10/7/2005
255702611                              8/14/2030                          0.5                    11/14/2005
255714800                               6/1/2035                            0                     10/1/2005
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255715130                              8/15/2035                          0.5                    11/15/2005
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255715202                               8/1/2035                            0                     10/1/2005
255715229                               8/1/2035                            0                     11/1/2005
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255715292                              8/15/2035                          0.5                    11/15/2005
255715337                              8/15/2035                          0.5                    11/15/2005
255715477                               9/1/2035                          0.5                     11/1/2005
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255800728                               9/1/2010                          0.5                     10/1/2005
255800943                               8/1/2020                          0.5                     11/1/2005
255811958                               3/1/2035                            0                     10/1/2005
255812457                              4/15/2020                          0.5                    10/15/2005
255812495                               6/1/2035                            0                     10/1/2005
255812505                               5/1/2025                            0                     11/1/2005
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255813030                               9/1/2035                          0.5                     11/1/2005
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255813107                               7/1/2035                            0                     11/1/2005
255813140                               9/1/2020                          0.5                     11/1/2005
255813161                               9/1/2035                          0.5                     10/1/2005
255813184                              7/15/2035                            0                    10/15/2005
255813223                               8/1/2020                            0                     12/1/2005
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255813358                              8/10/2020                          0.5                    11/10/2005
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255813476                               9/1/2035                          0.5                     12/1/2005
255813481                               9/1/2035                          0.5                     11/1/2005
255813503                               9/1/2035                          0.5                     11/1/2005
255900826                               6/1/2030                          0.5                    10/20/2005
255901068                              8/10/2015                          0.5                    11/10/2005
255901133                              7/15/2015                          0.5                    11/15/2005
255901140                               8/1/2015                          0.5                     12/1/2005
255901167                               8/1/2010                          0.5                     11/1/2005
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255914156                              7/18/2020                            0                    10/18/2005
255914243                               8/1/2035                            0                     11/1/2005
255914340                               9/1/2015                            0                     11/1/2005
255914341                              10/1/2035                          0.5                     11/1/2005
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255914486                               8/1/2035                            0                     11/1/2005
255914552                               6/1/2026                            0                     10/1/2005
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255914574                               9/1/2035                          0.5                     10/1/2005
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255914597                               8/8/2035                            0                     11/8/2005
255914794                              10/1/2035                          0.5                     11/1/2005
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256100898                              6/13/2030                          0.5                    11/13/2005
256200437                              7/15/2030                          0.5                    10/15/2005
256200521                              8/15/2030                          0.5                    10/15/2005
256200589                               9/1/2015                          0.5                     10/1/2005
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256211764                               7/1/2021                            0                     11/1/2005
256211810                               8/1/2035                            0                     11/1/2005
256211814                               8/1/2035                            0                     11/1/2005
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256211910                               8/1/2035                            0                     10/1/2005
256211928                              8/15/2035                          0.5                    11/15/2005
256211929                              8/15/2035                            0                    11/15/2005
256212002                               9/1/2035                          0.5                     10/1/2005
256212045                               9/1/2035                          0.5                     11/1/2005
256412685                               7/1/2035                            0                     11/1/2005
256412744                              5/15/2035                            0                    10/15/2005
256412760                               5/1/2020                            0                     11/1/2005
256412987                               5/6/2020                            0                     11/6/2005
256412998                               8/1/2035                            0                     11/1/2005
256413045                               6/1/2020                            0                     10/1/2005
256413110                               7/1/2035                            0                     11/1/2005
256413116                               7/1/2035                            0                     11/1/2005
256413119                               7/1/2035                            0                     11/1/2005
256413141                              6/13/2025                            0                    10/13/2005
256413289                               7/1/2025                            0                     11/1/2005
256413320                               7/1/2020                            0                     11/1/2005
256413423                              7/15/2035                            0                    11/15/2005
256413432                              7/15/2035                            0                    10/15/2005
256413511                              7/15/2020                            0                    10/15/2005
256413572                              8/15/2035                            0                    11/15/2005
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256413641                               8/1/2035                            0                     11/1/2005
256413647                              8/15/2035                            0                    11/15/2005
256413667                               9/1/2035                          0.5                     11/1/2005
256413674                              8/15/2035                            0                    11/15/2005
256413695                              8/15/2035                            0                    11/15/2005
256413707                              8/15/2035                            0                    11/15/2005
256413723                              8/15/2035                            0                    10/15/2005
256413729                              8/15/2035                          0.5                    11/15/2005
256413799                               9/1/2035                          0.5                     11/1/2005
256607981                               3/1/2035                            0                     11/1/2005
256608494                               6/1/2035                            0                     11/1/2005
256608530                              5/15/2035                            0                    10/15/2005
256608920                               8/1/2035                            0                     11/1/2005
256608969                              8/15/2035                            0                    10/15/2005
256609149                              8/15/2035                            0                    10/15/2005
256609177                               9/1/2035                          0.5                     12/1/2005
256609188                               9/1/2035                          0.5                     11/1/2005
256609300                               9/1/2035                          0.5                     12/1/2005
256609369                              10/1/2025                          0.5                     12/1/2005
256708543                               6/1/2035                            0                     10/1/2005
256708572                               6/1/2035                            0                     11/1/2005
256708693                               6/1/2035                            0                     11/1/2005
256708701                               7/1/2025                            0                     11/1/2005
256708710                              6/15/2035                            0                    11/15/2005
256708791                               6/1/2035                            0                     11/1/2005
256708825                              6/10/2020                            0                    11/10/2005
256708849                               8/1/2035                            0                     11/1/2005
256708980                               7/1/2020                            0                     11/1/2005
256709052                               8/1/2035                            0                     10/1/2005
256709088                               8/1/2035                            0                     11/1/2005
256709142                              8/15/2035                            0                     9/15/2005
256709144                               8/1/2020                            0                     11/1/2005
256709199                              8/15/2035                          0.5                    10/15/2005
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256709241                              8/15/2035                            0                    10/15/2005
256709282                              9/15/2035                          0.5                    11/15/2005
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257109794                               9/1/2035                          0.5                     11/1/2005
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257109858                               9/1/2035                          0.5                     12/1/2005
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259007873                               6/1/2035                            0                     11/1/2005
259007884                               5/1/2035                            0                     10/1/2005
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259007896                               5/1/2035                            0                     10/1/2005
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259917741                               7/1/2035                            0                     11/1/2005
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286102093                               9/1/2035                          0.5                     11/1/2005
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288504011                              8/10/2035                          0.5                    11/10/2005
288504016                              8/15/2035                            0                    10/15/2005
288504035                              8/15/2035                            0                    10/15/2005
288504075                              8/10/2035                          0.5                    11/10/2005
288504163                               9/1/2035                          0.5                     11/1/2005
288504201                               9/1/2035                          0.5                     11/1/2005
288504314                               9/1/2035                          0.5                     11/1/2005
288504449                              9/14/2035                          0.5                    11/14/2005
288601519                               5/1/2035                            0                     10/1/2005
288601974                              6/15/2035                            0                    10/15/2005
288601975                               6/1/2025                            0                     11/1/2005
288602135                              6/15/2035                            0                    10/15/2005
288602238                              7/13/2025                            0                    11/13/2005
288602244                               8/1/2035                            0                     10/1/2005
288602342                               8/1/2035                            0                     11/1/2005
288602395                              7/18/2025                            0                    10/18/2005
288602408                              8/15/2035                          0.5                    11/15/2005
288602469                              8/15/2035                            0                    11/15/2005
288602474                              8/15/2035                          0.5                    11/15/2005
288602557                               9/1/2035                          0.5                     10/1/2005
288602569                              8/15/2035                          0.5                    11/15/2005
288602583                               9/1/2035                          0.5                     12/1/2005
288602604                               9/1/2035                          0.5                     12/1/2005
288602703                               9/1/2035                          0.5                     11/1/2005
288602790                              9/15/2035                          0.5                    11/15/2005
288701481                              5/15/2035                            0                    11/15/2005
288701773                              6/15/2035                            0                    11/15/2005
288701783                               6/8/2025                            0                     11/8/2005
288701869                               7/1/2035                            0                     11/1/2005
288701977                               8/1/2035                            0                     11/1/2005
288701989                               8/1/2035                            0                     11/1/2005
288702021                              8/15/2035                            0                    10/15/2005
288702022                               8/1/2035                            0                     11/1/2005
288702055                               9/1/2035                          0.5                     11/1/2005
288702076                              8/15/2035                          0.5                    11/15/2005
288702108                              8/15/2035                          0.5                    11/15/2005
288702197                               9/1/2035                          0.5                     12/1/2005
288801836                               7/1/2035                            0                     10/1/2005
288801876                               6/1/2020                            0                     10/1/2005
288802024                              6/15/2035                            0                    10/15/2005
288802116                               7/1/2025                            0                     10/1/2005
288802293                               9/1/2035                          0.5                     11/1/2005
288802337                               9/1/2035                          0.5                     12/1/2005
288802352                               8/1/2035                            0                     11/1/2005
288802354                               8/1/2035                            0                     10/1/2005
288802387                               8/1/2035                            0                     11/1/2005
288802426                               9/1/2035                          0.5                     12/1/2005
288802436                               9/1/2035                          0.5                     11/1/2005
288802469                               9/1/2035                          0.5                     12/1/2005
288802521                               9/1/2035                          0.5                     11/1/2005
288802532                               9/1/2035                          0.5                     11/1/2005
288901315                               8/1/2035                            0                     12/1/2005
289001193                               6/1/2035                            0                     11/1/2005
289001405                               8/1/2035                            0                     11/1/2005
289001463                              8/15/2035                            0                    11/15/2005
289001562                               9/1/2035                          0.5                     12/1/2005
289001605                              10/1/2020                          0.5                     12/1/2005
289102552                               6/1/2035                          0.5                     11/1/2005
289103158                               8/1/2035                            0                     11/1/2005
289103169                               8/1/2035                            0                     10/1/2005
289103204                              8/15/2035                            0                    10/15/2005
289103277                               9/1/2035                          0.5                     11/1/2005
289103284                              9/15/2035                          0.5                    11/15/2005
289202585                               6/1/2025                            0                     11/1/2005
289202628                               8/1/2025                            0                     11/1/2005
289202673                               7/1/2035                            0                     10/1/2005
289202713                               7/1/2020                            0                    10/15/2005
289202886                              7/15/2025                            0                    11/15/2005
289203005                               7/1/2035                            0                     11/1/2005
289203104                               8/1/2025                            0                     10/1/2005
289203142                              7/15/2035                            0                    11/15/2005
289203150                               8/1/2035                            0                     11/1/2005
289203167                              8/15/2035                            0                    11/15/2005
289203181                              8/15/2035                            0                    10/15/2005
289203186                              8/15/2035                            0                    11/15/2005
289203204                              8/15/2035                            0                    10/15/2005
289203222                              8/15/2035                          0.5                    11/15/2005
289203437                               9/1/2035                          0.5                     12/1/2005
289203487                               9/1/2035                          0.5                     11/1/2005
289301511                               8/1/2035                            0                     11/1/2005
289301894                               7/1/2025                            0                     11/1/2005
289301899                              8/15/2035                            0                    10/15/2005
289301918                              7/15/2035                            0                    11/15/2005
289301946                               8/1/2035                            0                     10/1/2005
289302097                              8/15/2035                          0.5                    11/15/2005
289302133                               8/1/2035                            0                     11/1/2005
289302287                               9/1/2035                          0.5                     11/1/2005
289401190                              6/13/2020                            0                    11/13/2005
289401282                              6/14/2025                            0                    11/14/2005
289401389                               6/1/2035                            0                     11/1/2005
289401461                               6/1/2025                            0                     10/1/2005
289401468                               6/1/2035                            0                     11/1/2005
289401545                              6/15/2035                            0                    11/15/2005
289401567                              6/15/2035                            0                    11/15/2005
289401929                              7/15/2035                            0                    11/15/2005
289401954                              7/13/2025                            0                    11/13/2005
289402013                               8/1/2035                            0                     10/1/2005
289402161                               9/1/2035                          0.5                     12/1/2005
289402314                               9/1/2015                          0.5                     12/1/2005
289402345                               9/1/2035                          0.5                     11/1/2005
289402478                               9/1/2035                          0.5                     12/1/2005
289500244                              5/15/2035                            0                    10/15/2005
289500274                               6/1/2035                            0                     10/1/2005
289500275                              5/17/2035                            0                    11/17/2005
289500278                               8/1/2035                          0.5                     12/1/2005
289500284                              6/15/2035                            0                    11/15/2005
289500297                               6/1/2035                            0                     11/1/2005
289500304                               7/1/2035                            0                     11/1/2005
289500305                               7/1/2035                            0                     11/1/2005
289500307                               6/1/2035                            0                     12/1/2005
289500315                               6/1/2035                            0                     11/1/2005
289500339                               7/1/2035                            0                     11/1/2005
289500340                               7/1/2035                            0                     11/1/2005
289500349                              7/14/2035                            0                    10/14/2005
289500374                               8/1/2035                          0.5                     11/1/2005
289500400                               9/1/2035                          0.5                     12/1/2005
289500401                              8/15/2035                            0                    11/15/2005
289500408                              10/1/2035                          0.5                     11/1/2005
289500413                               9/1/2035                          0.5                     12/1/2005
289500425                               9/1/2035                          0.5                     11/1/2005
289500434                              9/15/2035                          0.5                    11/15/2005
289500435                               9/1/2035                          0.5                     11/1/2005
289600248                               6/1/2035                            0                     11/1/2005
289600302                               6/1/2035                            0                     10/1/2005
289600406                               8/1/2035                          0.5                     11/1/2005
289600411                               7/1/2035                            0                     11/1/2005
289600420                               8/1/2035                          0.5                     11/1/2005
289600480                               8/1/2035                          0.5                     11/1/2005
289600485                               8/1/2035                            0                     11/1/2005
289600537                               9/1/2035                          0.5                     11/1/2005
289600567                               9/1/2035                          0.5                     11/1/2005
289600591                               9/1/2035                          0.5                     11/1/2005
289600603                               9/1/2035                          0.5                     11/1/2005
289600614                               9/1/2035                          0.5                     12/1/2005
289600631                              10/1/2020                          0.5                     11/1/2005
289600696                              10/1/2035                          0.5                     11/1/2005
289801683                               7/1/2035                            0                     11/1/2005
289801732                               8/1/2020                          0.5                     11/1/2005
289801777                               7/1/2035                            0                     11/1/2005
289802111                               9/1/2020                          0.5                     11/1/2005
289802141                               8/1/2035                            0                     11/1/2005
289802253                              9/15/2035                          0.5                    11/15/2005
289900006                               2/1/2035                          0.5                     10/1/2005
289900608                              5/13/2035                            0                    10/13/2005
289901035                               6/1/2025                            0                     11/1/2005
289901266                               6/1/2035                            0                     11/1/2005
289901306                              6/15/2035                            0                    10/15/2005
289901324                              6/15/2035                            0                    10/15/2005
289901441                              6/15/2025                            0                    11/15/2005
289901710                               8/1/2035                            0                     11/1/2005
289901772                               8/1/2030                            0                     10/1/2005
289901879                              8/15/2035                            0                    10/15/2005
289901904                               8/1/2035                            0                     11/1/2005
289901920                               8/1/2035                            0                     10/1/2005
289902040                               9/1/2035                          0.5                     11/1/2005
289902055                               9/1/2035                          0.5                     11/1/2005
289902188                              10/1/2035                          0.5                     12/1/2005
290000005                              8/15/2035                            0                    10/15/2005
290000064                               8/1/2035                            0                     11/1/2005
290000095                              8/15/2035                          0.5                    11/15/2005
290200743                              8/15/2035                            0                    10/15/2005
290200828                              7/15/2035                            0                    11/15/2005
290200878                               7/1/2035                            0                     11/1/2005
290201420                               9/1/2035                          0.5                     11/1/2005
290201448                               9/1/2035                          0.5                     11/1/2005
290300076                               6/1/2035                            0                     11/1/2005
290300109                               6/1/2035                            0                     11/1/2005
290300275                               7/1/2035                            0                     11/1/2005
290300517                              7/15/2035                            0                    10/15/2005
290300548                              7/15/2035                            0                    11/15/2005
290300549                               7/6/2035                            0                     11/6/2005
290300592                               7/1/2035                            0                     11/1/2005
290300634                              6/14/2025                            0                    10/14/2005
290300746                               8/1/2035                            0                     10/1/2005
290300758                               8/1/2035                            0                     12/1/2005
290300927                              8/15/2035                            0                    11/15/2005
290301015                              8/15/2035                            0                    11/15/2005
290301108                               8/1/2035                            0                     10/1/2005
290301381                              10/1/2035                          0.5                     11/1/2005
290301407                              9/15/2035                          0.5                    11/15/2005
290301559                              9/15/2035                          0.5                    11/15/2005
290400004                               7/1/2020                            0                     11/1/2005
290400011                               8/1/2035                            0                     12/1/2005
290400259                              8/15/2035                            0                    10/15/2005
290400615                              9/15/2035                          0.5                    11/15/2005
290500025                               8/1/2035                            0                     11/1/2005
290500029                               8/1/2035                            0                     11/1/2005
290500569                               9/1/2035                          0.5                     11/1/2005
290600077                              8/15/2035                            0                    10/15/2005
290600154                               9/1/2035                          0.5                     11/1/2005
290800024                              9/19/2035                          0.5                    11/19/2005
290900066                               9/1/2035                          0.5                     12/1/2005
291000024                               8/1/2035                            0                     10/1/2005
291000084                              8/15/2035                            0                    10/15/2005
291000114                              8/15/2035                            0                    10/15/2005
291000136                              8/15/2035                          0.5                    11/15/2005
291000173                              8/15/2035                          0.5                    11/15/2005
291000206                               9/1/2035                          0.5                     12/1/2005
291000234                               9/1/2035                          0.5                     11/1/2005
291000250                               9/1/2035                          0.5                     12/1/2005
291000257                              9/15/2035                          0.5                    11/15/2005
291000349                              9/15/2035                          0.5                    11/15/2005
291000406                              10/1/2035                          0.5                     12/1/2005
291100015                              8/15/2035                            0                    10/15/2005
291100043                              8/15/2035                            0                    10/15/2005
291100075                               9/1/2035                          0.5                     11/1/2005
291100117                              8/15/2035                            0                    10/15/2005
291100153                               9/1/2035                          0.5                     11/1/2005
291100234                              10/1/2035                          0.5                     12/1/2005
291100444                              9/15/2035                          0.5                    11/15/2005
291300090                              9/15/2035                          0.5                    11/15/2005

Loan Number                 Original Balance                Current Balance                 Purpose
--------------------------------------------------------------------------------------------------------------------
148902757                                   182598                       180532.45          Purchase
148903494                                    51547                        51224.72          Purchase
148903544                                   341940                          341940          Purchase
148903593                                   224436                       222565.38          Purchase
148903683                                   221516                          221516          Purchase
148903848                                   102510                       101750.26          Purchase
148903879                                    84023                        83676.29          Purchase
148903910                                   128829                       128828.99          Purchase
148903977                                   249516                       248728.76          Purchase
148904068                                    91256                        90579.36          Purchase
148904107                                   164333                          164333          Purchase
148904181                                   335192                          335192          Purchase
148904192                                   395374                       395373.99          Purchase
148904196                                   284615                          284615          Purchase
148904235                                   357592                          357592          Purchase
148904239                                   103992                       103988.15          Purchase
148904291                                   435208                          435208          Purchase
148904442                                   288792                          288792          Purchase
148904451                                   294375                          293813          Purchase
148904499                                    15114                        14961.74          Purchase
148904533                                   114500                       113801.17          Purchase
148904537                                   187037                       186441.56          Purchase
148904540                                   173592                       173591.99          Purchase
148904543                                   159880                       158932.17          Purchase
148904664                                   143461                          143461          Purchase
148904698                                   339768                          339768          Purchase
148904705                                   328792                          328792          Purchase
148904761                                   418727                       418726.99          Purchase
148904781                                   480638                          480638          Purchase
148904799                                   145600                       144880.75          Purchase
148904810                                   135481                       135097.54          Purchase
148904845                                   238870                       238648.99          Purchase
148904859                                   135372                       134833.99          Purchase
148904867                                   153536                       153535.98          Purchase
148904868                                   130608                       130188.54          Purchase
148904880                                   155942                       155585.57          Purchase
148904888                                   128949                       128449.83          Purchase
148904894                                   169690                       168896.54          Purchase
148904949                                   137169                       136837.34          Purchase
148904955                                   245520                          245520          Purchase
148904957                                   119104                       119103.99          Purchase
148904964                                   212911                          212911          Purchase
148904975                                   108516                       108038.95          Purchase
148904992                                   139752                       139167.37          Purchase
148904999                                   134158                        134157.4          Purchase
148905006                                155713.25                        155683.6          Purchase
148905009                                   129081                       129080.99          Purchase
148905019                                    95814                        95457.54          Purchase
148905020                                   248824                       248059.52          Purchase
148905021                                    98296                        97888.39          Purchase
148905023                                   200250                       199931.87          Purchase
148905027                                   123123                       123122.15          Purchase
148905028                                    24310                        24252.31          Purchase
148905031                                   235143                        234076.8          Purchase
148905037                                   101964                       101610.28          Purchase
148905038                                   144530                          144430          Purchase
148905042                                   101308                       100929.99          Purchase
148905044                                    45489                        45381.83          Purchase
148905045                                   228052                       228051.99          Purchase
148905048                                    14845                        14748.08          Purchase
148905052                                   437606                       436188.52          Purchase
148905053                                   102047                       101989.23          Purchase
148905055                                   131388                       130803.75          Purchase
148905060                                   148937                          148937          Purchase
148905061                                    15653                        15565.57          Purchase
148905062                                    49611                        49268.07          Purchase
148905064                                   383224                       383223.99          Purchase
148905066                                   139412                       138855.15          Purchase
148905067                                    97088                        96644.34          Purchase
148905069                                    24574                        24515.73          Purchase
148905070                                    18854                        18732.21          Purchase
148905071                                   123634                       123090.71          Purchase
148905073                                    90352                        89984.59          Purchase
148905074                                    86447                        86205.44          Purchase
148905076                                    27500                           27300          Purchase
148905077                                    98863                           98520          Purchase
148905078                                   149188                       148604.58          Purchase
148905083                                   142615                       142105.14          Purchase
148905085                                   116296                       115784.72          Purchase
148905088                                   131361                       131286.06          Purchase
148905089                                   122835                       122381.33          Purchase
148905092                                   172000                       171953.77          Purchase
148905093                                    15054                        14984.69          Purchase
148905095                                   148797                       148254.23          Purchase
148905100                                   155250                        154643.1          Purchase
148905102                                   107200                        106835.2          Purchase
148905106                                   134712                       134536.95          Purchase
148905108                                   207625                       206890.11          Purchase
148905111                                   178282                        177666.9          Purchase
148905113                                   126387                       126386.99          Purchase
148905114                                   115258                       115257.99          Purchase
148905116                                    35013                        34941.37          Purchase
148905117                                    29776                         29711.8          Purchase
148905122                                   159200                          159200          Purchase
148905124                                    55154                        55048.25          Purchase
148905125                                    29074                        29001.36          Purchase
148905126                                   136210                          136210          Purchase
148905127                                    22250                        22194.35          Purchase
148905128                                    16577                        16550.81          Purchase
148905129                                    34938                        34854.44          Purchase
148905131                                   129866                       129327.47          Purchase
148905135                                   147951                       147274.92          Purchase
148905140                                    17739                        17690.84          Purchase
148905141                                   169988                       169485.68          Purchase
148905142                                   258990                          258990          Purchase
148905147                                    30853                        30791.89          Purchase
148905148                                    15799                        15773.55          Purchase
148905149                                    24716                        24676.48          Purchase
148905153                                   137547                       137546.99          Purchase
148905154                                   124058                       123517.89          Purchase
148905155                                   166044                       166043.99          Purchase
148905156                                   222480                          222480          Purchase
148905158                                   441196                          441196          Purchase
148905159                                    32847                        32783.35          Purchase
148905160                                  15338.4                        15309.31          Purchase
148905161                                   102987                       102611.39          Purchase
148905163                                   156624                       156075.17          Purchase
148905166                                    16533                        16508.78          Purchase
148905167                                   133154                       132732.14          Purchase
148905168                                   178331                       177664.57          Purchase
148905171                                   173519                        172939.4          Purchase
148905176                                    13351                        13325.13          Purchase
148905177                                   188433                          188433          Purchase
148905178                                    14580                        14494.08          Purchase
148905179                                   143171                          143171          Purchase
148905180                                    14906                         14874.9          Purchase
148905181                                    13504                        13470.25          Purchase
148905183                                    39800                        39545.22          Purchase
148905184                                   136491                          136491          Purchase
148905185                                    26800                        26752.13          Purchase
148905186                                    17403                        17302.56          Purchase
148905188                                    19836                        19713.82          Purchase
148905189                                    55620                        55276.81          Purchase
148905191                                    10450                        10428.42          Purchase
148905194                                    16548                        16522.15          Purchase
148905196                                   142821                       142820.99          Purchase
148905197                                    13648                           13623          Purchase
148905199                                    12105                        12079.97          Purchase
148905201                                    14795                         14768.1          Purchase
148905207                                    11987                        11959.46          Purchase
148905209                                   124096                       123705.22          Purchase
148905214                                    17059                        16984.04          Purchase
148905216                                   150628                       150115.94          Purchase
148905217                                    15908                        15804.86          Purchase
148905224                                    11443                        11416.37          Purchase
148905225                                   115959                       115601.01          Purchase
148905226                                   108768                        108424.8          Purchase
148905227                                   113950                       113573.07          Purchase
148905228                                   155941                       155385.94          Purchase
148905230                                    84942                        84771.07          Purchase
148905231                                   149843                       149347.38          Purchase
148905233                                   171067                       170437.29          Purchase
148905237                                    43399                        43181.97          Purchase
148905238                                    96025                        95796.66          Purchase
148905239                                   152644                          152644          Purchase
148905240                                    20373                        20276.27          Purchase
148905242                                   168000                          168000          Purchase
148905244                                    44582                        44503.51          Purchase
148905255                                   119253                       119252.98          Purchase
148905257                                   135032                       135014.25          Purchase
148905259                                   173327                          173327          Purchase
148905260                                    97056                        96663.82          Purchase
148905262                                   179200                          179200          Purchase
148905265                                   103248                       102854.66          Purchase
148905267                                   109189                       108844.47          Purchase
148905269                                   209425                       209405.16          Purchase
148905272                                    13250                        13229.76          Purchase
148905273                                    44800                        44724.68          Purchase
148905274                                    27192                        27142.75          Purchase
148905285                                   117092                       116630.64          Purchase
148905287                                    10000                         9934.89          Purchase
148905289                                    32207                        32048.02          Purchase
148905291                                    19007                        18974.67          Purchase
148905292                                    99000                        98666.05          Purchase
148905293                                    18888                        18787.13          Purchase
148905294                                    10000                         9984.06          Purchase
148905295                                    27297                        27151.19          Purchase
148905300                                   157413                          157413          Purchase
148905304                                    18837                        18736.49          Purchase
148905305                                    15513                        15444.94          Purchase
148905306                                    15450                        15418.92          Purchase
148905307                                    33843                        33779.73          Purchase
148905309                                   126550                          126550          Purchase
148905310                                   102878                       102597.39          Purchase
148905314                                   140866                          140866          Purchase
148905317                                   237537                        236873.3          Purchase
148905319                                   133046                       132623.71          Purchase
148905320                                    18184                        18147.76          Purchase
148905321                                   137676                          137676          Purchase
148905324                                    15651                        15547.23          Purchase
148905328                                   113786                       113581.66          Purchase
148905330                                   262337                       261343.08          Purchase
148905331                                    19280                        19253.84          Purchase
148905332                                    97268                        96946.26          Purchase
148905335                                   144000                          144000          Purchase
148905339                                   296198                       296197.99          Purchase
148905340                                   106461                       106245.25          Purchase
148905343                                   135667                       135226.99          Purchase
148905348                                   172979                        172434.3          Purchase
148905352                                   288068                          288068          Purchase
148905355                                    27169                        27133.74          Purchase
148905357                                    14782                        14716.27          Purchase
148905358                                    15297                        15274.37          Purchase
148905361                                   136460                          136460          Purchase
148905362                                   191068                       190454.37          Purchase
148905364                                   131112                       130682.57          Purchase
148905365                                   180557                       180556.98          Purchase
148905366                                   183776                       183106.03          Purchase
148905368                                    17490                        17469.42          Purchase
148905375                                   253856                          253856          Purchase
148905376                                    42000                        41913.68          Purchase
148905377                                   128728                       128289.51          Purchase
148905379                                   108744                       108453.15          Purchase
148905387                                   140094                       140093.99          Purchase
148905389                                    31600                        31425.93          Purchase
148905391                                   107200                       106991.38          Purchase
148905398                                    16000                        15919.96          Purchase
148905401                                    43000                        42927.92          Purchase
148905404                                   238420                       237853.06          Purchase
148905405                                    16970                        16941.16          Purchase
148905406                                   290388                       289339.55          Purchase
148905407                                    15299                        15227.19          Purchase
148905414                                   127754                       127398.85          Purchase
148905416                                    15162                        15090.03          Purchase
148905417                                    19220                        19125.74          Purchase
148905420                                   180000                       179427.59          Purchase
148905424                                    18402                        18375.32          Purchase
148905429                                   144912                          144912          Purchase
148905433                                   108989                       108791.54          Purchase
148905437                                   120499                       120189.03          Purchase
148905438                                    12728                        12696.69          Purchase
148905449                                    16578                        16505.25          Purchase
148905451                                    26615                        26508.82          Purchase
148905452                                   255360                       254390.65          Purchase
148905453                                   108177                       107876.25          Purchase
148905458                                   134478                       134161.37          Purchase
148905465                                    14942                        14887.61          Purchase
148905469                                    26800                        26768.77          Purchase
148905472                                   128236                       128235.99          Purchase
148905474                                    12109                        12045.34          Purchase
148905475                                   205288                          205288          Purchase
148905479                                    89085                        88883.41          Purchase
148905488                                   102684                       102390.84          Purchase
148905489                                   147384                          147384          Purchase
148905490                                   209691                       209690.95          Purchase
148905492                                   195555                          195555          Purchase
148905493                                   142404                          142400          Purchase
148905496                                   155534                          155534          Purchase
148905500                                    32059                         32024.3          Purchase
148905501                                   134636                       134331.35          Purchase
148905503                                    80416                        80015.06          Purchase
148905504                                    17281                        17265.85          Purchase
148905506                                   227880                          227880          Purchase
148905511                                   114196                       113807.04          Purchase
148905515                                   207992                       207356.23          Purchase
148905516                                   472271                          472271          Purchase
148905517                                   170136                          170136          Purchase
148905518                                   118350                       118182.38          Purchase
148905521                                    24006                        23909.12          Purchase
148905523                                    33659                        33516.03          Purchase
148905525                                    48888                        48811.37          Purchase
148905527                                   121608                       121408.04          Purchase
148905530                                   125707                          125707          Purchase
148905531                                   364721                       364720.89          Purchase
148905538                                   154053                          154053          Purchase
148905540                                   172800                       172799.99          Purchase
148905541                                   212688                          212688          Purchase
148905547                                   161226                       160867.31          Purchase
148905548                                    88000                        87875.36          Purchase
148905550                                 102959.2                       102704.51          Purchase
148905552                                    71192                        71074.94          Purchase
148905561                                   109224                       108959.07          Purchase
148905563                                    99711                        99528.48          Purchase
148905568                                   128142                       127854.91          Purchase
148905571                                   247320                       247319.99          Purchase
148905591                                   318602                          318602          Purchase
148905596                                   129055                        128798.7          Purchase
148905598                                   118462                          118462          Purchase
148905599                                   146426                          146426          Purchase
148905602                                   217761                          217761          Purchase
148905605                                    99888                        99610.96          Purchase
148905609                                   234400                          234400          Purchase
148905610                                   156591                          156591          Purchase
148905613                                   147620                       147619.85          Purchase
148905623                                   119078                          119078          Purchase
148905629                                   128691                       128450.81          Purchase
148905640                                   129442                          129442          Purchase
148905641                                   130343                          130343          Purchase
148905642                                   109745                       109576.62          Purchase
148905645                                   227700                       226761.65          Purchase
148905651                                   234612                          234612          Purchase
148905652                                   136887                       136717.11          Purchase
148905654                                   147189                          146972          Purchase
148905656                                   110295                       110095.04          Purchase
148905659                                   127992                       127692.01          Purchase
148905666                                   132102                          132102          Purchase
148905669                                   136912                       136693.45          Purchase
148905678                                   159200                          159200          Purchase
148905685                                   165870                       165684.99          Purchase
148905695                                   123774                       123542.99          Purchase
148905713                                   135912                          135912          Purchase
148905715                                   145608                          145608          Purchase
148905719                                   206566                       206364.12          Purchase
148905720                                   127771                          127771          Purchase
148905723                                   134108                       133664.32          Purchase
148905733                                   121756                       121551.83          Purchase
148905737                                   111757                       111573.24          Purchase
148905739                                   125552                       125271.29          Purchase
148905745                                   222750                       222270.34          Purchase
148905767                                   158498                       158397.96          Purchase
148905772                                   191068                          191068          Purchase
148905783                                   153511                       153245.92          Purchase
148905851                                    12919                        12906.25          Purchase
148905862                                    31336                        31318.84          Purchase
148905863                                    15615                        15608.59          Purchase
148905875                                    16343                        16336.78          Purchase
148905883                                    15436                        15428.32          Purchase
148905901                                    13990                        13984.38          Purchase
148905921                                    26544                        26536.06          Purchase
186300001                                   158670                       158669.99          Purchase
186300003                                   352175                       352174.98          Purchase
186300008                                   410392                       410391.99          Purchase
186300011                                   359013                          359013          Purchase
186300019                                   496438                       496170.44          Purchase
186300024                                   370392                          370392          Purchase
186300031                                   373592                       373591.99          Purchase
186300038                                   286231                       284805.51          Purchase
186300039                                   227591                          227591          Purchase
186300042                                    52987                        52879.83          Purchase
186300047                                   438736                          438736          Purchase
186300048                                   431091                       429195.87          Purchase
186300051                                    97240                         96794.8          Purchase
186300055                                   372005                       371902.71          Purchase
186300057                                   228800                          228800          Purchase
186300064                                    31803                        31727.58          Purchase
186300065                                   238544                       237768.18          Purchase
186300067                                   184402                          184402          Purchase
186300069                                   326771                          326771          Purchase
186300071                                   331192                       331083.16          Purchase
186300074                                    51299                        51156.45          Purchase
186300075                                   205959                       204712.96          Purchase
186300076                                   346386                        346289.3          Purchase
186300079                                    25288                        25213.67          Purchase
186300080                                    57200                        57041.04          Purchase
186300086                                    51489                        51372.92          Purchase
186300087                                   362798                       362705.03          Purchase
186300088                                   327992                          327992          Purchase
186300092                                    82198                        82012.73          Purchase
186300093                                    85485                        85302.63          Purchase
186300096                                   268774                       268754.43          Purchase
186300099                                    92598                        92389.29          Purchase
186300101                                    56921                         56767.3          Purchase
186300105                                    28600                        28524.69          Purchase
186300107                                   299146                          299146          Purchase
186300108                                    44044                        43944.69          Purchase
186300109                                    81998                        81813.17          Purchase
186300111                                    93001                        92749.44          Purchase
186300113                                    36800                        36725.55          Purchase
186300114                                   304858                       304857.99          Purchase
186300115                                    21262                         21229.1          Purchase
186300116                                   499454                       499453.99          Purchase
186300119                                   473502                          473502          Purchase
186300120                                   309392                       309391.99          Purchase
186300121                                   270340                          270340          Purchase
186300122                                   235349                       235348.99          Purchase
186300124                                    94757                        94543.38          Purchase
186300126                                   355192                       355191.99          Purchase
186300128                                    74787                        74618.43          Purchase
186300129                                   201996                       201995.98          Purchase
186300137                                   427931                          427931          Purchase
186300139                                   373491                          373491          Purchase
186300140                                   399591                       398463.27          Purchase
186300142                                    26755                         26694.8          Purchase
186300146                                    52611                        52504.59          Purchase
186300148                                    58837                        58522.73          Purchase
186300150                                    41499                        41395.28          Purchase
186300157                                   243000                       242096.89          Purchase
186300159                                   188819                       188812.73          Purchase
186300160                                   166268                       166267.99          Purchase
186300161                                   464320                          464320          Purchase
186300163                                   379192                          379192          Purchase
186300164                                   449536                          449536          Purchase
186300167                                   230094                       230093.99          Purchase
186300168                                   225608                          225608          Purchase
186300175                                   321874                       321132.78          Purchase
186300182                                   104682                       104530.26          Purchase
186300184                                   347992                       347991.99          Purchase
186300186                                    57524                        57432.32          Purchase
186300190                                   358992                          358992          Purchase
186300191                                   289789                          289789          Purchase
186300192                                   106983                       106827.96          Purchase
186300193                                   239084                       238745.41          Purchase
186300195                                    76215                        76078.14          Purchase
186300196                                   303178                          303178          Purchase
186300197                                    56402                        56315.89          Purchase
186300200                                    14512                        14495.07          Purchase
186300203                                    47205                        47121.74          Purchase
186300206                                   462392                       462391.99          Purchase
186300208                                   405891                          405891          Purchase
186300213                                    25766                        25719.57          Purchase
186300214                                    41883                        41788.71          Purchase
186300215                                    41567                        41371.99          Purchase
186300216                                   391701                       391700.83          Purchase
186300223                                    39888                        39779.76          Purchase
186300225                                   304792                       304791.99          Purchase
186300226                                    18114                        18087.72          Purchase
186300234                                    79869                        79733.29          Purchase
186300235                                   238765                       238144.79          Purchase
186300236                                   239914                       239507.74          Purchase
186300247                                    39889                        39834.35          Purchase
186300253                                   165898                       165888.99          Purchase
186300255                                   115598                       115355.49          Purchase
186300256                                    71099                        70944.09          Purchase
186300261                                   356391                          356391          Purchase
186300262                                   350392                        350391.4          Purchase
186300263                                   326025                       326024.27          Purchase
186300264                                   234684                       234683.98          Purchase
186300265                                   374109                       374108.99          Purchase
186300266                                    62016                        61892.23          Purchase
186300267                                   259697                          259697          Purchase
186300269                                    58671                        58554.18          Purchase
186300273                                   139038                       139037.99          Purchase
186300276                                    64924                        64756.65          Purchase
186300278                                    26106                        26068.16          Purchase
186300279                                    97925                        97793.31          Purchase
186300280                                   384792                          384792          Purchase
186300281                                   276451                       276443.51          Purchase
186300283                                    39599                        39529.93          Purchase
186300284                                    29846                         29799.2          Purchase
186300287                                   450384                          450384          Purchase
186300294                                   268650                       268649.99          Purchase
186300295                                   346525                       345342.91          Purchase
186300296                                   356792                          356792          Purchase
186300299                                   350354                       350353.98          Purchase
186300302                                   454531                          454531          Purchase
186300303                                    81516                        81370.64          Purchase
186300311                                    69113                        69017.72          Purchase
186300313                                   321592                       320361.87          Purchase
186300319                                   356603                          356603          Purchase
186300322                                   318643                          318643          Purchase
186300325                                   206246                       206149.01          Purchase
186300327                                   319992                          319992          Purchase
186300329                                    86631                        86272.42          Purchase
186300330                                   148637                       148636.98          Purchase
186300334                                    29850                         29814.1          Purchase
186300335                                   451192                          451192          Purchase
186300336                                   339992                       339991.99          Purchase
186300343                                   512358                          512358          Purchase
186300352                                   365592                          365592          Purchase
186300354                                   391376                          391376          Purchase
186300357                                   347725                          347725          Purchase
186300361                                    97844                        97682.09          Purchase
186300363                                   222130                          222130          Purchase
186300369                                   360152                          360152          Purchase
186300376                                   336992                          336992          Purchase
186300377                                   201921                       201867.72          Purchase
186300380                                   439992                          439992          Purchase
186300388                                   289531                       289405.05          Purchase
186300411                                   242034                          242034          Purchase
186300420                                   345592                          345592          Purchase
186300422                                   367709                          367709          Purchase
186300424                                   254881                          254881          Purchase
186300425                                   408939                          408939          Purchase
186300431                                   428474                       428473.99          Purchase
186300444                                   277006                       277004.06          Purchase
186300455                                   294424                       294352.24          Purchase
186300467                                   113904                       113057.33          Purchase
186300469                                   183660                       183358.02          Purchase
186300470                                   367821                       367721.39          Purchase
186300475                                   199001                          199001          Purchase
186300481                                   343206                          343206          Purchase
186300495                                   286032                          286032          Purchase
186300496                                   314765                          314765          Purchase
186300508                                   245006                          245006          Purchase
186300512                                   222092                          222092          Purchase
186300534                                   290336                          290336          Purchase
186300581                                    55216                        55192.34          Purchase
186500001                                   133542                       132978.39          Purchase
186500002                                   109500                       109018.62          Purchase
186500003                                    90536                        90122.31          Purchase
186500006                                   104844                       104493.77          Purchase
186500007                                   106079                       105655.06          Purchase
186500008                                    89340                        88911.67          Purchase
186500010                                    14838                        14741.78          Purchase
186500011                                   169200                       168758.58          Purchase
186500012                                   211765                       210937.17          Purchase
186500013                                   111938                       111617.88          Purchase
186500015                                    27375                        27184.54          Purchase
186500016                                    26520                        26335.49          Purchase
186500020                                   108000                       107547.74          Purchase
186500026                                   121584                       121075.33          Purchase
186500027                                   149351                       148822.08          Purchase
186500034                                   104456                       104075.17          Purchase
186500038                                   125454                       125000.65          Purchase
186500040                                   116064                        115796.7          Purchase
186500043                                   109388                       109018.27          Purchase
186500045                                    14411                        14251.02          Purchase
186500046                                    91198                        90852.45          Purchase
186500048                                    12896                        12847.15          Purchase
186500049                                    26114                         25974.5          Purchase
186500052                                   223200                       222460.29          Purchase
186500054                                   148336                       147840.53          Purchase
186500055                                   119398                       118983.29          Purchase
186500058                                    98956                        98708.82          Purchase
186500059                                   108448                       108052.63          Purchase
186500060                                    18800                           18701          Purchase
186500061                                   108616                       108339.23          Purchase
186500064                                    22802                         22758.9          Purchase
186500065                                    27154                        27090.53          Purchase
186500066                                   128804                       128334.44          Purchase
186500067                                   101950                       101533.12          Purchase
186500068                                   232257                       231426.51          Purchase
186500070                                    31363                        31190.25          Purchase
186500074                                   135356                        134986.9          Purchase
186500077                                    87074                        86836.56          Purchase
186500078                                    28826                        28778.54          Purchase
186500082                                   164246                       164245.99          Purchase
186500085                                    21769                        21686.21          Purchase
186500088                                   153234                       152926.58          Purchase
186500094                                   122310                       122038.67          Purchase
186500098                                    82948                        82740.79          Purchase
186500099                                    18249                        18182.59          Purchase
186500103                                   104720                       104406.19          Purchase
186500107                                   123957                          123957          Purchase
186500108                                   276439                          276439          Purchase
186500111                                    17026                        16966.36          Purchase
186500113                                   106021                       105763.85          Purchase
186500115                                   120798                       120496.26          Purchase
186500121                                   113815                       113622.26          Purchase
186500123                                   113748                       113559.12          Purchase
186500124                                   143620                       142406.14          Purchase
186500127                                   122028                       121795.82          Purchase
186500130                                   128987                       128986.99          Purchase
186500138                                   103820                          103820          Purchase
186500140                                    96720                        96443.22          Purchase
186500158                                    94473                        94316.12          Purchase
186500159                                   151521                       151316.98          Purchase
186500162                                   147822                          147822          Purchase
186500166                                   129078                       128749.19          Purchase
186500167                                   109974                       109701.98          Purchase
186500169                                    91120                        90980.19          Purchase
186500176                                   129452                       129251.41          Purchase
186500178                                   107339                       107138.56          Purchase
186500180                                   129259                       129056.71          Purchase
186500181                                   155328                       155070.07          Purchase
186500182                                   189458                        189178.7          Purchase
186500186                                    93200                        93001.19          Purchase
186500193                                   152705                       152130.53          Purchase
186500200                                   173550                       173264.09          Purchase
186500204                                   160000                       159703.11          Purchase
186500205                                   114251                          114251          Purchase
186500220                                   331424                          331424          Purchase
186500248                                   132048                       131973.58          Purchase
186500251                                    91800                        91727.67          Purchase
186500261                                    19590                        19581.31          Purchase
240012605                                    63750                        63572.88          Purchase
240012631                                   236130                       235380.45          Purchase
240012633                                   100800                       100428.68          Cash Out Refinance
240012645                                    23200                        23155.54          Purchase
240012648                                    78160                        77766.29          Purchase
240012654                                285685.27                       285685.27          Purchase
240012676                                   157500                       157016.11          Purchase
240012681                                    59534                        59355.56          Purchase
240012708                                    55250                        55114.81          Purchase
240012722                                    94500                        94247.12          Purchase
240012751                                   188729                          188729          Rate/Term Refinance
240012798                                   103500                       103300.61          Purchase
240012800                                   107776                          107776          Rate/Term Refinance
240012824                                    68000                        67812.76          Purchase
240012825                                   140000                       139817.14          Cash Out Refinance
240012829                                 82769.35                        82580.06          Rate/Term Refinance
240012830                                    53800                        53708.31          Purchase
240012833                                   151101                       150926.12          Purchase
240012836                                   156156                        155883.3          Purchase
240012843                                    88616                        88444.12          Purchase
240012846                                   113900                       113773.15          Purchase
240012870                                   104000                       103770.12          Purchase
240012888                                    56000                        55939.85          Cash Out Refinance
240012901                                   256000                       255522.22          Purchase
240012916                                    31600                        31584.46          Purchase
240101101                                    39900                        39056.62          Purchase
240101228                                 45424.96                        37133.68          Rate/Term Refinance
240215524                                  87775.3                        87584.08          Rate/Term Refinance
240215552                                    39000                         38814.8          Cash Out Refinance
240215564                                    41325                        41160.18          Cash Out Refinance
240215630                                 115411.5                       114931.95          Rate/Term Refinance
240215693                                    99539                        99186.67          Cash Out Refinance
240215694                                    50000                        49673.84          Cash Out Refinance
240215803                                    44750                        44334.44          Cash Out Refinance
240215836                                 244454.4                       243472.41          Rate/Term Refinance
240215880                                    35000                        34884.88          Cash Out Refinance
240215900                                    48895                        48824.55          Cash Out Refinance
240215946                                    88800                         88618.2          Rate/Term Refinance
240215967                                 134607.5                       134148.89          Cash Out Refinance
240216112                                    64392                        64270.36          Cash Out Refinance
240216123                                179043.75                       178596.18          Cash Out Refinance
240216125                                   180000                       179608.62          Cash Out Refinance
240216204                                    59000                        58835.54          Cash Out Refinance
240216231                                    22200                        22186.23          Cash Out Refinance
240216245                                 209450.5                       209103.97          Cash Out Refinance
240216261                                    50000                         49775.4          Cash Out Refinance
240216355                                 285043.5                       284639.84          Cash Out Refinance
240216373                                   213725                       213337.81          Cash Out Refinance
240216379                                   213900                       213287.95          Cash Out Refinance
240216389                                 77431.38                        77138.58          Cash Out Refinance
240216400                                    35000                        34890.24          Cash Out Refinance
240216427                                    50000                        49931.64          Cash Out Refinance
240216442                                 351363.9                       351001.98          Cash Out Refinance
240216584                                    40000                        39987.21          Cash Out Refinance
240216723                                    27000                         26978.4          Cash Out Refinance
240216850                                    48400                        48362.43          Cash Out Refinance
240302248                                    48000                        46252.08          Cash Out Refinance
240312012                                  60367.5                         59325.7          Cash Out Refinance
240312469                                  68416.5                         68265.3          Cash Out Refinance
240312647                                    88200                        88054.06          Cash Out Refinance
240312699                                   104500                       104288.23          Cash Out Refinance
240312737                                 77368.45                        77189.55          Cash Out Refinance
240312746                                   100000                        99791.12          Rate/Term Refinance
240312752                                   128000                       127757.99          Rate/Term Refinance
240312832                                    72000                        71868.17          Cash Out Refinance
240312835                                  59884.6                        59812.52          Cash Out Refinance
240312849                                    98137                        98061.14          Cash Out Refinance
240312871                                 103027.2                       102815.67          Cash Out Refinance
240312900                                    93100                        92988.89          Cash Out Refinance
240312978                                    78400                        78253.67          Rate/Term Refinance
240401810                                    50250                        47987.78          Cash Out Refinance
240401856                                    47200                        45013.91          Cash Out Refinance
240502263                                   102400                        95370.41          Cash Out Refinance
240502700                                    81000                        76310.18          Cash Out Refinance
240517953                                    74000                        73831.78          Cash Out Refinance
240518056                                  70183.6                        69951.58          Rate/Term Refinance
240518216                                  52318.5                        52169.34          Cash Out Refinance
240518342                                  77320.4                        77043.96          Cash Out Refinance
240518434                                    60000                        59816.59          Cash Out Refinance
240518675                                   168300                       168097.59          Cash Out Refinance
240518700                                   129600                       129413.01          Rate/Term Refinance
240518701                                    55800                        55650.45          Cash Out Refinance
240518756                                   265000                       264797.38          Cash Out Refinance
240518922                                   144000                       143805.23          Rate/Term Refinance
240600614                                    33000                        24027.75          Cash Out Refinance
240602651                                    38625                        35259.23          Cash Out Refinance
240603118                                    41600                        34929.99          Cash Out Refinance
240608541                                    54900                        53843.61          Cash Out Refinance
240608830                                    36000                        32894.27          Cash Out Refinance
240624227                                   213725                       212864.42          Cash Out Refinance
240624525                                   105412                       105040.66          Cash Out Refinance
240624584                                129517.35                       129409.87          Rate/Term Refinance
240624613                                   117000                       116806.83          Purchase
240624651                                  89078.2                        88823.31          Cash Out Refinance
240624759                                  89522.3                        88989.28          Cash Out Refinance
240624782                                   100000                        99848.11          Cash Out Refinance
240624899                                    28000                        27745.93          Cash Out Refinance
240625046                                    50000                        49953.63          Cash Out Refinance
240801026                                    23800                        22936.31          Cash Out Refinance
240806526                                    44625                        42966.89          Purchase
240907275                                    47000                        43654.73          Cash Out Refinance
240907390                                  52129.9                        38038.62          Cash Out Refinance
240907433                                    20000                        19705.87          Cash Out Refinance
240920596                                    21100                        20993.89          Cash Out Refinance
241000872                                    35100                        31983.64          Cash Out Refinance
241005795                                    30600                        28278.84          Cash Out Refinance
241109315                                    41350                        40324.44          Cash Out Refinance
241109471                                    56665                        55429.32          Purchase
241109554                                 72665.66                        71300.64          Cash Out Refinance
241109646                                 38098.39                        36620.66          Cash Out Refinance
241109909                                 50234.56                        42729.64          Cash Out Refinance
241123788                                  54982.2                        54939.97          Cash Out Refinance
241123813                                    54712                        54629.75          Cash Out Refinance
241123841                                   134400                       134185.46          Rate/Term Refinance
241124142                                    16000                        15996.08          Cash Out Refinance
241206830                                 68748.02                        66285.27          Rate/Term Refinance
241207648                                  40545.9                        32282.25          Cash Out Refinance
241207835                                    39800                        36042.66          Cash Out Refinance
241208040                                    97163                        94989.84          Cash Out Refinance
241218884                                    27000                        26741.93          Cash Out Refinance
241219393                                 207597.5                       206512.52          Cash Out Refinance
241219636                                  95783.1                        95370.82          Cash Out Refinance
241219683                                 477034.2                       475409.02          Rate/Term Refinance
241219987                                   124000                       123510.45          Cash Out Refinance
241220009                                  71715.5                         71453.9          Cash Out Refinance
241220081                                  58757.7                        58616.43          Cash Out Refinance
241220109                                    16000                        15924.01          Cash Out Refinance
241220236                                    75490                        75403.95          Cash Out Refinance
241220257                                   142980                       142852.69          Cash Out Refinance
241220267                                  66682.2                        66568.62          Cash Out Refinance
241220275                                 107717.4                       107539.17          Cash Out Refinance
241220284                                   233750                       233275.36          Cash Out Refinance
241220308                                    60000                        59828.15          Cash Out Refinance
241220356                                 108661.5                       108429.92          Cash Out Refinance
241220385                                    68800                        68619.51          Rate/Term Refinance
241220404                                  85965.5                        85907.18          Cash Out Refinance
241220425                                  60697.9                         60582.4          Rate/Term Refinance
241220439                                    74400                        74265.12          Rate/Term Refinance
241220449                                  90148.8                        90027.16          Cash Out Refinance
241220541                                  51416.5                           51375          Cash Out Refinance
241220560                                    90588                        90514.58          Cash Out Refinance
241220612                                   202500                       202379.82          Cash Out Refinance
241220669                                    67775                        67758.42          Cash Out Refinance
241220685                                  69450.8                        69389.08          Cash Out Refinance
241301555                                    40600                        34322.15          Rate/Term Refinance
241306823                                 28819.05                         3980.12          Rate/Term Refinance
241322445                                    50000                        49887.56          Cash Out Refinance
241322513                                    81441                        81145.36          Rate/Term Refinance
241322714                                   180500                       179945.46          Rate/Term Refinance
241322730                                    64800                        64643.72          Cash Out Refinance
241322753                                   112500                       112068.64          Cash Out Refinance
241322766                                    75490                        75186.02          Cash Out Refinance
241322834                                 144478.1                       143940.57          Cash Out Refinance
241322904                                   122250                       122026.26          Cash Out Refinance
241322905                                   114750                       114386.52          Rate/Term Refinance
241322911                                   167000                       166426.44          Rate/Term Refinance
241322913                                   101250                       101064.68          Cash Out Refinance
241323090                                  95783.1                        95450.43          Cash Out Refinance
241323115                                   500000                       498644.54          Cash Out Refinance
241323361                                    52392                        52158.75          Cash Out Refinance
241323367                                   121500                       121351.96          Rate/Term Refinance
241323396                                106777.01                       106697.12          Cash Out Refinance
241323541                                    50000                        49945.72          Cash Out Refinance
241323563                                 130406.5                       130239.24          Rate/Term Refinance
241323665                                   170000                       169676.56          Cash Out Refinance
241323719                                302239.95                       302123.67          Rate/Term Refinance
241323722                                 107849.7                       107762.86          Cash Out Refinance
241323810                                 207740.7                       207399.13          Cash Out Refinance
241323828                                   123000                       122692.54          Cash Out Refinance
241323862                                   162000                       161770.58          Cash Out Refinance
241323879                                 414626.5                       413906.13          Cash Out Refinance
241323925                                    60000                        59920.01          Cash Out Refinance
241323927                                  55538.1                        55457.84          Cash Out Refinance
241323943                                   188700                       188394.83          Cash Out Refinance
241323968                                   108900                       108732.91          Cash Out Refinance
241324046                                 132003.6                       131752.45          Cash Out Refinance
241324277                                    34000                        33992.75          Cash Out Refinance
241400669                                  39562.5                        37587.82          Cash Out Refinance
241401285                                  19337.5                        16612.36          Rate/Term Refinance
241418722                                   175750                       175161.65          Cash Out Refinance
241418767                                    90000                        89409.42          Cash Out Refinance
241418782                                   227500                       226889.43          Cash Out Refinance
241418942                                    45930                        45686.83          Cash Out Refinance
241419244                                 207664.2                       207446.84          Rate/Term Refinance
241419303                                  90227.2                        90183.13          Cash Out Refinance
241419313                                   132000                       131807.35          Rate/Term Refinance
241419397                                  97993.8                        97861.58          Cash Out Refinance
241503548                                 85890.94                         11448.1          Cash Out Refinance
241503568                                   477500                       465338.27          Rate/Term Refinance
241503878                                 71966.56                        69589.49          Rate/Term Refinance
241503890                                 74901.87                        72208.44          Rate/Term Refinance
241503901                                 55483.75                        54379.64          Cash Out Refinance
241503977                                 86475.16                        84391.67          Cash Out Refinance
241504183                                 55688.37                        54368.74          Cash Out Refinance
241504254                                 57032.76                         51349.5          Rate/Term Refinance
241515750                                  67454.7                        66964.16          Cash Out Refinance
241516289                                    29000                        28902.92          Cash Out Refinance
241516497                                    40000                        39822.04          Cash Out Refinance
241516551                                  98313.5                        98049.24          Cash Out Refinance
241516780                                    37000                        36921.91          Cash Out Refinance
241516808                                 113112.5                       112727.09          Rate/Term Refinance
241516845                                    88200                        88129.71          Cash Out Refinance
241516859                                   109600                       109200.29          Rate/Term Refinance
241516865                                    27400                         27367.9          Cash Out Refinance
241516890                                 133020.3                       132527.92          Cash Out Refinance
241516965                                   140000                       139559.15          Rate/Term Refinance
241517034                                    35000                        34967.38          Cash Out Refinance
241517088                                    84000                        83658.58          Rate/Term Refinance
241517092                                    21000                        20819.83          Cash Out Refinance
241517189                                   118400                       111100.15          Rate/Term Refinance
241517254                                   261000                       260353.16          Cash Out Refinance
241517258                                  22925.2                        22907.59          Cash Out Refinance
241517277                                 140259.5                       140110.15          Cash Out Refinance
241517418                                    98600                        98426.79          Cash Out Refinance
241517431                                  64972.4                         64619.9          Cash Out Refinance
241517453                                    56000                        55711.03          Cash Out Refinance
241517485                                  92995.8                        92446.92          Cash Out Refinance
241517606                                    60000                        59976.71          Cash Out Refinance
241517693                                  74356.6                        74319.83          Cash Out Refinance
241517703                                 265234.5                        264824.7          Cash Out Refinance
241517742                                  95872.3                        95832.97          Cash Out Refinance
241517751                                 125670.3                       125612.89          Cash Out Refinance
241517871                                    24000                        23994.49          Cash Out Refinance
241600766                                   111000                        33101.91          Cash Out Refinance
241604507                                    73800                        72077.86          Cash Out Refinance
241604555                                    36900                        30651.29          Cash Out Refinance
241604775                                 78738.22                        66574.32          Cash Out Refinance
241700610                                   100000                        92997.22          Cash Out Refinance
241718294                                    86700                        86380.63          Cash Out Refinance
241718342                                   204000                       203416.61          Cash Out Refinance
241718406                                    35000                        34834.54          Cash Out Refinance
241718525                                   168750                       168399.08          Rate/Term Refinance
241718550                                    21000                        20789.75          Cash Out Refinance
241718657                                    38000                        37912.92          Cash Out Refinance
241718858                                    43000                        42841.48          Cash Out Refinance
241718919                                    35000                        34818.39          Cash Out Refinance
241718931                                    42000                        41963.88          Cash Out Refinance
241718932                                   170000                       169616.49          Cash Out Refinance
241719035                                   132000                       131689.19          Rate/Term Refinance
241719055                                    97325                        97197.49          Cash Out Refinance
241719070                                   184000                       183416.26          Cash Out Refinance
241719090                                    90500                        90341.01          Cash Out Refinance
241800716                                   192000                       182468.13          Rate/Term Refinance
241800974                                    72000                        68291.48          Rate/Term Refinance
241807413                                    81000                        79223.23          Cash Out Refinance
241902082                                    36000                        23998.54          Cash Out Refinance
241902141                                    35000                        24938.73          Cash Out Refinance
241909160                                  70080.4                        68402.82          Cash Out Refinance
241919863                                    76000                        75751.79          Cash Out Refinance
241919974                                    50000                        45648.28          Cash Out Refinance
241920065                                    50000                        49914.11          Cash Out Refinance
241920097                                    25000                        24885.42          Cash Out Refinance
241920209                                    50000                        49932.37          Cash Out Refinance
241920242                                    81900                        81793.83          Cash Out Refinance
241920285                                   144800                       144416.47          Purchase
241920332                                    50000                        49935.19          Cash Out Refinance
241920336                                    97200                        97080.58          Cash Out Refinance
241920353                                    79900                        79816.84          Cash Out Refinance
241920368                                    96475                        96114.61          Cash Out Refinance
241920409                                    50000                        49925.55          Cash Out Refinance
241920414                                    90000                        89811.99          Cash Out Refinance
241920416                                  93368.4                        93284.55          Cash Out Refinance
241920452                                    73600                        73522.58          Cash Out Refinance
241920483                                   350000                       349401.49          Cash Out Refinance
241920538                                 131210.5                        131083.6          Rate/Term Refinance
241920586                                   162431                        162252.1          Cash Out Refinance
241920700                                    22980                        22975.03          Cash Out Refinance
241920804                                    52400                        52381.71          Cash Out Refinance
242005754                                    60000                         58870.7          Cash Out Refinance
242100696                                    76160                        71093.67          Purchase
242100970                                    68940                        64074.74          Cash Out Refinance
242105301                                 46106.43                        43954.53          Cash Out Refinance
242105337                                 53654.74                        52544.54          Cash Out Refinance
242105431                                    54750                        53235.76          Cash Out Refinance
242105444                                   103500                        98960.44          Cash Out Refinance
242105466                                  68416.5                        61715.63          Cash Out Refinance
242105598                                    69600                         68108.8          Cash Out Refinance
242117164                                  98313.5                        97814.37          Cash Out Refinance
242118369                                    50000                        49583.56          Cash Out Refinance
242118396                                  62215.5                        62014.07          Cash Out Refinance
242118431                                  78726.3                        78507.56          Purchase
242118438                                    70000                        69789.29          Cash Out Refinance
242118502                                   106007                       105681.28          Cash Out Refinance
242118692                                   103500                       103147.38          Cash Out Refinance
242118843                                    57750                           57635          Cash Out Refinance
242118952                                   130000                       129712.14          Cash Out Refinance
242119058                                 124533.2                       124365.17          Cash Out Refinance
242119105                                    92960                        92761.89          Cash Out Refinance
242119140                                    23200                        23106.52          Cash Out Refinance
242119162                                    54000                        53876.57          Cash Out Refinance
242119195                                  53564.8                        53523.65          Cash Out Refinance
242119272                                   149400                       149015.69          Cash Out Refinance
242119301                                   114000                       113819.82          Rate/Term Refinance
242119317                                  57945.6                        57853.82          Cash Out Refinance
242119321                                   100000                        99857.79          Cash Out Refinance
242119322                                    50000                        49919.39          Cash Out Refinance
242119336                                    50000                        49770.91          Cash Out Refinance
242119346                                  78870.4                        78770.32          Cash Out Refinance
242119440                                    89700                        89620.13          Cash Out Refinance
242119475                                   136080                       135938.36          Cash Out Refinance
242119523                                   108800                       108680.44          Cash Out Refinance
242119585                                   145000                       144798.75          Cash Out Refinance
242217865                                    26104                        26073.43          Cash Out Refinance
242217930                                    32068                        32030.51          Cash Out Refinance
242217971                                    50000                        49873.72          Cash Out Refinance
242218259                                    59000                         58931.3          Cash Out Refinance
242218332                                    54294                        54204.54          Cash Out Refinance
242218339                                    23000                        22980.18          Cash Out Refinance
242218355                                    24000                        23979.12          Cash Out Refinance
242218447                                   110000                       109824.42          Rate/Term Refinance
242218754                                   239000                       238661.53          Cash Out Refinance
242218779                                   402450                       401781.77          Cash Out Refinance
242218825                                    41800                         41789.3          Cash Out Refinance
242307675                                 26266.62                        21769.85          Cash Out Refinance
242307767                                    32515                        31474.98          Purchase
242319119                                    63750                        63590.69          Rate/Term Refinance
242319295                                   104000                       103605.32          Cash Out Refinance
242319639                                    56000                        55843.52          Cash Out Refinance
242319647                                    84000                         83785.7          Cash Out Refinance
242319834                                    69500                        69385.81          Cash Out Refinance
242319845                                   160000                       159652.11          Cash Out Refinance
242319859                                    50000                        49924.83          Cash Out Refinance
242319879                                   193000                       192697.95          Rate/Term Refinance
242319895                                   146000                       145601.89          Cash Out Refinance
242319915                                   100000                        99764.55          Cash Out Refinance
242319945                                   210000                       209606.41          Cash Out Refinance
242319949                                   210600                       210249.74          Cash Out Refinance
242319977                                    46000                        45806.73          Cash Out Refinance
242320048                                   273666                       273233.46          Cash Out Refinance
242320057                                   128700                       128466.66          Cash Out Refinance
242320068                                  57952.8                        57849.74          Cash Out Refinance
242320133                                   137000                       136739.32          Cash Out Refinance
242320254                                    50000                        49951.65          Cash Out Refinance
242320330                                   211650                       211484.89          Cash Out Refinance
242320432                                   149615                       149512.55          Cash Out Refinance
242400789                                    45000                        25195.05          Cash Out Refinance
242403901                                    28890                        26578.23          Cash Out Refinance
242413438                                    22000                        21757.97          Cash Out Refinance
242414705                                   111600                       111296.89          Rate/Term Refinance
242414953                                    55250                        55064.33          Cash Out Refinance
242414972                                    51200                        51069.36          Cash Out Refinance
242414997                                   112000                       111615.34          Rate/Term Refinance
242415000                                    28000                        27860.34          Cash Out Refinance
242415041                                    50040                        48857.52          Cash Out Refinance
242415055                                    18400                        18324.34          Cash Out Refinance
242415298                                    60350                        60285.18          Cash Out Refinance
242415368                                    50000                        49932.37          Cash Out Refinance
242415446                                    50500                        50419.24          Rate/Term Refinance
242415447                                    56500                        56427.69          Purchase
242415452                                    83700                        83502.91          Cash Out Refinance
242415471                                   118400                       118236.42          Cash Out Refinance
242415568                                    72660                        72143.98          Cash Out Refinance
242415576                                    71100                        70948.48          Cash Out Refinance
242415596                                    58950                         58815.5          Cash Out Refinance
242415744                                    78300                        78237.48          Cash Out Refinance
242415825                                    77000                         76927.4          Cash Out Refinance
242416065                                    50000                         49975.4          Cash Out Refinance
242603584                                 21804.85                        20435.58          Cash Out Refinance
242620256                                    50000                        49872.41          Cash Out Refinance
242620274                                   245000                        244381.3          Cash Out Refinance
242620383                                    72000                        71902.06          Cash Out Refinance
242620533                                  52867.5                         52757.4          Cash Out Refinance
242620571                                   102588                       102412.07          Cash Out Refinance
242620606                                    50000                        49935.86          Cash Out Refinance
242620625                                    59400                        59293.46          Cash Out Refinance
242620806                                    85137                         85076.9          Cash Out Refinance
242620817                                    87199                        87097.03          Cash Out Refinance
242700442                                 36228.92                        35545.27          Cash Out Refinance
242711623                                    67150                        67020.74          Rate/Term Refinance
242711819                                    52800                        52728.44          Cash Out Refinance
242711866                                    54670                         54549.2          Rate/Term Refinance
242711976                                    53000                        52934.24          Cash Out Refinance
242711991                                    93500                        93295.97          Cash Out Refinance
242712086                                   117568                       117276.61          Cash Out Refinance
242712127                                    65600                        65532.42          Cash Out Refinance
242712134                                    88480                        88419.04          Rate/Term Refinance
242712158                                    53800                        53635.91          Cash Out Refinance
242712418                                    59250                         59223.5          Cash Out Refinance
242800346                                    62250                        50730.05          Cash Out Refinance
242819277                                  64166.5                        63636.86          Cash Out Refinance
242819587                                170357.09                       169753.56          Cash Out Refinance
242819631                                    41000                        40938.17          Cash Out Refinance
242819646                                   178200                       177537.95          Cash Out Refinance
242819670                                   132300                       132056.01          Purchase
242819758                                 167419.2                        164063.9          Cash Out Refinance
242819763                                    41400                        41340.25          Cash Out Refinance
242819774                                 117009.5                       116556.96          Cash Out Refinance
242819802                                   119000                       118617.81          Cash Out Refinance
242819813                                 284074.7                       283443.85          Cash Out Refinance
242819817                                   104800                       104553.23          Cash Out Refinance
242819831                                    37000                        36834.42          Cash Out Refinance
242819832                                   175750                       175223.36          Cash Out Refinance
242819868                                   306000                       305083.05          Cash Out Refinance
242819999                                   181300                       180781.21          Cash Out Refinance
242820085                                   218400                       217843.67          Rate/Term Refinance
242820155                                    45000                        44956.41          Cash Out Refinance
242820161                                    64000                        63903.83          Cash Out Refinance
242820167                                   216800                       216387.51          Cash Out Refinance
242820170                                   168000                       167712.71          Rate/Term Refinance
242820191                                   256666                       256472.71          Rate/Term Refinance
242820200                                   120000                       119771.67          Rate/Term Refinance
242820219                                   121000                       120825.16          Cash Out Refinance
242820255                                   170980                       170698.32          Cash Out Refinance
242820361                                 209450.5                       209129.16          Cash Out Refinance
242820411                                   157600                       157308.69          Rate/Term Refinance
242820423                                 148752.6                       148694.11          Cash Out Refinance
242820480                                    73700                        73652.75          Cash Out Refinance
242820498                                240262.65                       240027.84          Cash Out Refinance
242820513                                    65000                        64976.31          Cash Out Refinance
242820516                                    62000                        61978.67          Cash Out Refinance
242900629                                    14100                         4115.18          Cash Out Refinance
242900720                                    25100                        17283.65          Cash Out Refinance
242900722                                    19500                         6757.61          Cash Out Refinance
242907747                                    41250                        40471.03          Cash Out Refinance
242907837                                 28932.43                        24494.92          Cash Out Refinance
242907846                                 42033.26                        35177.54          Cash Out Refinance
242907919                                 77870.31                        76504.06          Cash Out Refinance
242907936                                    41400                        31742.08          Cash Out Refinance
242907945                                 48231.86                        31724.34          Cash Out Refinance
242907948                                 33161.26                        27249.78          Cash Out Refinance
242908182                                    41600                        34994.62          Cash Out Refinance
242922647                                    67150                         66907.5          Cash Out Refinance
242922897                                    94893                        94500.61          Cash Out Refinance
242923205                                   120000                       119677.95          Cash Out Refinance
243103471                                 55056.14                        53831.46          Cash Out Refinance
243113201                                 239798.5                       237420.77          Cash Out Refinance
243113727                                    83785                        83363.04          Cash Out Refinance
243114005                                   126882                       126571.51          Cash Out Refinance
243114037                                  95161.5                        94940.54          Cash Out Refinance
243114355                                    47100                        46858.71          Cash Out Refinance
243114358                                    26500                        26136.21          Cash Out Refinance
243114435                                   113115                       112761.61          Cash Out Refinance
243114546                                   105690                       105465.97          Cash Out Refinance
243114564                                   298365                        298073.4          Cash Out Refinance
243114620                                   126200                       125980.58          Cash Out Refinance
243114685                                    51118                         50869.5          Cash Out Refinance
243114706                                   280525                        279867.4          Cash Out Refinance
243114732                                   152000                       151592.68          Rate/Term Refinance
243114743                                   166500                       166251.58          Cash Out Refinance
243114788                                   198400                       197843.11          Rate/Term Refinance
243114823                                   229125                       228861.04          Cash Out Refinance
243114930                                   115200                       115009.87          Rate/Term Refinance
243114940                                    89000                        88831.96          Cash Out Refinance
243114988                                   252500                       252018.95          Cash Out Refinance
243214306                                   108572                       108184.03          Rate/Term Refinance
243214384                                  82099.8                        81776.28          Rate/Term Refinance
243214464                                   359058                       357433.05          Cash Out Refinance
243214465                                    24000                        23867.74          Cash Out Refinance
243214692                                    25800                        25719.28          Cash Out Refinance
243214703                                    91686                        91499.81          Cash Out Refinance
243214722                                    45000                        44962.62          Cash Out Refinance
243214751                                207674.55                       207294.44          Cash Out Refinance
243214795                                    14400                        14313.28          Cash Out Refinance
243214871                                   318700                       317985.99          Rate/Term Refinance
243214891                                    67500                        67315.94          Cash Out Refinance
243214947                                   223250                       222696.71          Cash Out Refinance
243214957                                 188219.2                       187866.43          Rate/Term Refinance
243214999                                    96784                        96615.83          Cash Out Refinance
243215067                                   168990                       168804.68          Cash Out Refinance
243303923                                    53600                        45024.38          Cash Out Refinance
243319598                                   164000                       163661.93          Cash Out Refinance
243319625                                    61146                        61075.23          Cash Out Refinance
243319695                                    72400                        72315.51          Cash Out Refinance
243319704                                    98000                         97903.2          Cash Out Refinance
243319746                                    96000                        95789.15          Cash Out Refinance
243319893                                    73500                        73441.94          Cash Out Refinance
243319949                                    96000                        95861.28          Cash Out Refinance
243416625                                 157140.8                       156464.83          Cash Out Refinance
243416682                                   112686                       112449.59          Rate/Term Refinance
243416737                                    76800                         76597.8          Cash Out Refinance
243416794                                    75000                        74792.52          Cash Out Refinance
243416867                                   120000                       119621.08          Cash Out Refinance
243416944                                    90400                        90131.79          Rate/Term Refinance
243417012                                    77539                        77237.19          Cash Out Refinance
243417021                                    31000                        30902.87          Cash Out Refinance
243417065                                    80500                        80160.37          Rate/Term Refinance
243417083                                  57096.9                        57053.96          Cash Out Refinance
243417106                                    90525                        90424.68          Cash Out Refinance
243417127                                  72666.5                        72567.35          Cash Out Refinance
243417133                                   232000                       231608.94          Purchase
243417159                                 82825.75                        82732.54          Rate/Term Refinance
243417230                                  85292.9                         85260.3          Cash Out Refinance
243417252                                    60300                        60233.73          Cash Out Refinance
243417259                                    76050                        75973.28          Cash Out Refinance
243503955                                    53200                        52528.98          Cash Out Refinance
243503962                                118431.52                       115580.63          Cash Out Refinance
243504008                                  78280.6                        75562.38          Cash Out Refinance
243504167                                    47600                        29668.58          Rate/Term Refinance
243504322                                    56000                        55003.37          Cash Out Refinance
243504388                                 72043.77                        57482.48          Cash Out Refinance
243521285                                    52500                        52299.97          Purchase
243521479                                    79000                        78394.47          Cash Out Refinance
243521543                                   148905                       148704.59          Cash Out Refinance
243521565                                    80000                        79818.24          Rate/Term Refinance
243521645                                    80000                        79301.77          Cash Out Refinance
243521726                                    94000                        93778.67          Cash Out Refinance
243521759                                    50100                        49942.78          Cash Out Refinance
243521796                                   207000                       206407.67          Cash Out Refinance
243521823                                    62100                        61987.48          Cash Out Refinance
243521835                                    50100                        50010.14          Cash Out Refinance
243521837                                    73100                        73016.68          Cash Out Refinance
243521874                                    56039                        55980.58          Cash Out Refinance
243521876                                    92000                        91826.35          Rate/Term Refinance
243521909                                    54000                        53946.65          Cash Out Refinance
243521931                                   105000                       104865.61          Cash Out Refinance
243521963                                    72650                        72550.17          Cash Out Refinance
243521972                                    75000                        74938.82          Cash Out Refinance
243521981                                    50400                        50334.16          Purchase
243522015                                   155000                       154497.37          Cash Out Refinance
243522052                                    74855                        74821.81          Rate/Term Refinance
243522059                                    50100                        50074.56          Cash Out Refinance
243522078                                    62405                        62332.54          Cash Out Refinance
243522098                                    80000                        79847.78          Cash Out Refinance
243522101                                    50100                        50057.34          Cash Out Refinance
243522117                                    80000                        79863.18          Cash Out Refinance
243522172                                    50100                        50004.67          Cash Out Refinance
243522355                                    28000                        27994.91          Cash Out Refinance
243603756                                    36000                        35145.66          Cash Out Refinance
243603797                                  36837.1                        36155.68          Cash Out Refinance
243603923                                    32000                        26136.51          Cash Out Refinance
243604063                                    32000                        31440.08          Cash Out Refinance
243604106                                    30000                         29395.8          Cash Out Refinance
243604237                                    38350                        37601.27          Cash Out Refinance
243604370                                 46165.95                        44876.28          Cash Out Refinance
243604372                                 58527.07                        52874.84          Cash Out Refinance
243604407                                 73090.53                           71310          Cash Out Refinance
243604489                                    47250                        46066.09          Cash Out Refinance
243604512                                    48750                         47776.2          Cash Out Refinance
243604558                                    59143                           53959          Rate/Term Refinance
243604589                                    32396                        29966.85          Cash Out Refinance
243604658                                    50940                        49772.38          Cash Out Refinance
243615927                                    16700                        16560.23          Cash Out Refinance
243616087                                  66001.8                        65767.31          Cash Out Refinance
243616098                                    69300                        69064.38          Cash Out Refinance
243616162                                 180075.1                       179540.81          Rate/Term Refinance
243616385                                    76000                        75844.11          Rate/Term Refinance
243616408                                   159600                       159362.36          Cash Out Refinance
243616463                                    85000                        84855.23          Rate/Term Refinance
243616567                                    56700                        56600.15          Cash Out Refinance
243616594                                   210000                       209910.98          Purchase
243712933                                 384582.5                       383048.24          Cash Out Refinance
243713088                                    33000                        32715.64          Cash Out Refinance
243713108                                   215000                       213917.48          Cash Out Refinance
243713166                                    33000                        32826.06          Cash Out Refinance
243713265                                    32827                        32581.25          Cash Out Refinance
243713328                                    21000                        20974.87          Cash Out Refinance
243713473                                   107000                       106865.68          Rate/Term Refinance
243713540                                 179666.2                       179477.22          Cash Out Refinance
243713557                                114859.23                       114545.88          Cash Out Refinance
243713627                                   157176                       156876.95          Cash Out Refinance
243713655                                   165500                        165086.3          Rate/Term Refinance
243713738                                 166705.5                       166568.05          Rate/Term Refinance
243713739                                    39000                        38811.52          Cash Out Refinance
243713745                                   116200                        115978.9          Cash Out Refinance
243713747                                   186000                       184853.16          Cash Out Refinance
243713761                                   150000                        149774.4          Rate/Term Refinance
243713762                                   160000                       159695.57          Cash Out Refinance
243713853                                   280519                       280145.09          Cash Out Refinance
243713867                                    76021                        75984.77          Rate/Term Refinance
243713891                                   135882                       135819.93          Cash Out Refinance
243713909                                    35000                        34990.09          Cash Out Refinance
243714044                                   199078                        198995.4          Cash Out Refinance
243817994                                    96000                        95635.64          Rate/Term Refinance
243818002                                    24000                        23911.89          Cash Out Refinance
243818008                                   151200                       150675.49          Cash Out Refinance
243818113                                    26450                        26353.16          Cash Out Refinance
243818207                                    50000                        49807.98          Cash Out Refinance
243818271                                    30000                        29885.37          Cash Out Refinance
243818300                                    54000                        53947.21          Cash Out Refinance
243818362                                    85000                        84919.51          Cash Out Refinance
243818385                                   132509                       132351.34          Cash Out Refinance
243818390                                   126000                       125854.47          Cash Out Refinance
243818400                                   150700                       150435.25          Rate/Term Refinance
243818520                                 121538.9                       121374.77          Cash Out Refinance
243818711                                    16000                        15997.21          Purchase
243901657                                    67500                         65734.6          Rate/Term Refinance
244102814                                 38724.03                        37783.46          Rate/Term Refinance
244102836                                 27056.38                        16452.95          Rate/Term Refinance
244102897                                    60400                        58471.71          Rate/Term Refinance
244102921                                 79934.41                        77643.89          Rate/Term Refinance
244102963                                    72000                        70024.03          Rate/Term Refinance
244103224                                    42500                        41566.18          Rate/Term Refinance
244103305                                    53975                        52654.58          Rate/Term Refinance
244103597                                    47000                        29352.21          Rate/Term Refinance
244122852                                   121500                       121029.66          Cash Out Refinance
244123428                                   180000                       179141.47          Cash Out Refinance
244123472                                   159000                       158470.19          Cash Out Refinance
244123539                                    54275                        54124.52          Cash Out Refinance
244123750                                    84560                        84226.14          Rate/Term Refinance
244123752                                    21140                        21019.16          Cash Out Refinance
244123824                                    50000                        49847.16          Cash Out Refinance
244123832                                    50000                        49919.47          Cash Out Refinance
244123989                                    50000                        49650.43          Cash Out Refinance
244124008                                    50000                        49947.12          Cash Out Refinance
244124123                                   105000                       104857.32          Cash Out Refinance
244124125                                    84000                         83858.4          Cash Out Refinance
244124130                                  60905.7                        60823.69          Cash Out Refinance
244124149                                  60352.5                        60042.49          Cash Out Refinance
244124156                                   234000                       233531.33          Cash Out Refinance
244124169                                    50000                        25276.61          Cash Out Refinance
244124194                                  51513.6                        51442.35          Cash Out Refinance
244124195                                    50000                        49949.48          Cash Out Refinance
244124229                                    65000                        64969.99          Cash Out Refinance
244124675                                 194553.5                       194452.63          Cash Out Refinance
244200571                                  85334.9                        80832.96          Cash Out Refinance
244211077                                   220500                       219332.79          Cash Out Refinance
244211405                                    97850                        97459.84          Rate/Term Refinance
244211445                                  76623.3                        76404.18          Cash Out Refinance
244211481                                    68392                        68168.65          Cash Out Refinance
244211551                                    75000                        74623.42          Cash Out Refinance
244211574                                  57147.9                        56954.69          Cash Out Refinance
244211733                                  53003.8                         52879.2          Cash Out Refinance
244211741                                  50439.1                        50299.96          Purchase
244211756                                   212400                       212091.93          Rate/Term Refinance
244211865                                    67941                        67875.98          Cash Out Refinance
244211877                                    38800                        38685.06          Cash Out Refinance
244211930                                  75231.2                        75075.62          Cash Out Refinance
244211986                                    62300                        62220.27          Cash Out Refinance
244211997                                    50000                        49932.94          Cash Out Refinance
244212041                                  63262.6                        63089.81          Cash Out Refinance
244212184                                    50000                        40399.48          Cash Out Refinance
244402463                                    56750                           55050          Rate/Term Refinance
244402480                                    45100                        38088.36          Cash Out Refinance
244412691                                 107950.7                       107468.62          Cash Out Refinance
244412852                                    50013                        49920.49          Cash Out Refinance
244412910                                   175500                       175204.17          Cash Out Refinance
244413008                                   265617                       265135.78          Cash Out Refinance
244413016                                 162493.5                       162090.77          Cash Out Refinance
244413126                                    51800                        51397.21          Cash Out Refinance
244413127                                    65000                        64897.04          Cash Out Refinance
244413174                                    64000                        63852.59          Cash Out Refinance
244413197                                 101733.1                       101633.66          Rate/Term Refinance
244413235                                 199293.6                       199118.62          Cash Out Refinance
244502599                                 51060.64                        50056.29          Rate/Term Refinance
244502600                                    62500                        60936.66          Rate/Term Refinance
244502643                                 36641.16                        30711.45          Cash Out Refinance
244502759                                 56039.31                         54884.9          Cash Out Refinance
244502808                                 68333.63                        67101.97          Cash Out Refinance
244502849                                 64394.93                        39984.22          Rate/Term Refinance
244503028                                  58081.4                        56700.56          Cash Out Refinance
244503040                                    59493                        57611.47          Cash Out Refinance
244503108                                 28910.25                        23859.93          Cash Out Refinance
244519218                                    50150                        49856.88          Cash Out Refinance
244519260                                    50000                        49910.14          Cash Out Refinance
244519290                                    50000                        49844.79          Cash Out Refinance
244519365                                    95000                        94411.21          Cash Out Refinance
244519534                                    60000                        59863.01          Cash Out Refinance
244519577                                 73093.95                        72971.05          Rate/Term Refinance
244519586                                    75000                        74621.64          Cash Out Refinance
244519636                                   230850                       230224.18          Cash Out Refinance
244519647                                   126000                       125124.22          Cash Out Refinance
244519666                                 130597.7                        130290.2          Cash Out Refinance
244519693                                   123250                        123060.8          Cash Out Refinance
244519705                                   378400                       377628.54          Rate/Term Refinance
244519723                                   162550                       162364.18          Rate/Term Refinance
244519746                                  96627.2                        96481.88          Cash Out Refinance
244519809                                    86400                        86299.82          Rate/Term Refinance
244519855                                 127174.2                       127086.97          Cash Out Refinance
244519856                                   184800                       184563.49          Rate/Term Refinance
244519938                                179092.48                       178954.95          Cash Out Refinance
244519971                                 101156.6                        101072.3          Cash Out Refinance
244601454                                 58690.77                        57651.63          Cash Out Refinance
244601535                                 21717.98                        21101.14          Cash Out Refinance
244601707                                    64000                        62366.18          Cash Out Refinance
244815510                                    50000                        49317.82          Cash Out Refinance
244815782                                   129600                       129279.42          Rate/Term Refinance
244816010                                    40304                        40134.37          Cash Out Refinance
244900460                                    18500                        15268.98          Cash Out Refinance
244900463                                 53836.52                        53304.84          Cash Out Refinance
245002278                                    40000                         38686.3          Cash Out Refinance
245102695                                    40000                        38492.27          Purchase
245107772                                  59791.5                        59614.43          Purchase
245107802                                    63750                        63524.37          Cash Out Refinance
245107826                                   127720                       127125.05          Purchase
245107862                                   282736                       281546.67          Cash Out Refinance
245107897                                   195415                       194799.65          Cash Out Refinance
245107912                                    55250                        55119.89          Purchase
245107932                                   168750                       168440.49          Cash Out Refinance
245107934                                    59500                        59383.98          Purchase
245107941                                   117000                       116792.32          Purchase
245107942                                    70000                        69875.76          Cash Out Refinance
245107968                                   115000                       114803.87          Purchase
245204294                                 84863.49                        82168.96          Rate/Term Refinance
245211318                                    74755                        74185.28          Purchase
245212262                                    75200                        74980.49          Cash Out Refinance
245212306                                   136800                       136310.91          Purchase
245212323                                   121600                       121142.15          Purchase
245212334                                    81600                        81316.58          Cash Out Refinance
245212359                                   363750                          363750          Cash Out Refinance
245212362                                    64800                        64672.33          Purchase
245212380                                    67500                        67318.82          Cash Out Refinance
245212390                                    52000                        51881.15          Purchase
245212393                                    66000                        65831.62          Cash Out Refinance
245212400                                   163800                        163364.6          Rate/Term Refinance
245212402                                    61800                        61623.79          Cash Out Refinance
245212409                                    90250                        90031.21          Cash Out Refinance
245212433                                    70200                        70061.65          Purchase
245212486                                    71010                        70864.62          Purchase
245212491                                   110000                       109701.29          Rate/Term Refinance
245212502                                    79500                        79414.61          Cash Out Refinance
245212515                                    88328                        88152.59          Purchase
245212568                                    99000                        98844.16          Purchase
245212585                                   124906                       124767.86          Purchase
245212702                                    73629                        73559.13          Purchase
245305109                                   152592                       151654.32          Purchase
245305183                                   139993                       139353.29          Purchase
245305204                                    76000                        75730.98          Purchase
245305210                                   105520                       105074.05          Purchase
245305236                                   133110                       132949.78          Purchase
245305258                                   172396                       172196.88          Cash Out Refinance
245305264                                   114595                       114468.03          Cash Out Refinance
245305287                                    69300                        69257.14          Purchase
245305325                                    78795                        78727.82          Purchase
245305330                                    38600                        38580.19          Cash Out Refinance
245305334                                    93760                        93675.24          Purchase
245305337                                    23440                        23428.94          Purchase
245409060                                   139050                       138495.21          Purchase
245409066                                    21200                        21165.34          Cash Out Refinance
245409116                                    76050                        75813.94          Purchase
245409133                                   215200                          215200          Cash Out Refinance
245409147                                    67500                        67362.76          Purchase
245409157                                   212041                          212041          Purchase
245409162                                   170400                       169715.05          Cash Out Refinance
245409195                                   156000                          156000          Rate/Term Refinance
245409207                                   158000                       157608.41          Rate/Term Refinance
245409220                                   131200                       130906.06          Rate/Term Refinance
245409229                                   137454                       137204.64          Cash Out Refinance
245409230                                    68800                        68612.38          Cash Out Refinance
245409274                                   140080                       139840.25          Purchase
245409303                                   174420                          174420          Rate/Term Refinance
245409309                                   114124                       113953.07          Rate/Term Refinance
245409311                                   160000                          160000          Purchase
245409323                                   201298                          201298          Purchase
245409331                                   251200                       250733.42          Cash Out Refinance
245409339                                   136000                          136000          Purchase
245409347                                    74000                        73965.83          Purchase
245409359                                    28000                        27984.38          Cash Out Refinance
245409377                                   312000                          312000          Purchase
245409382                                   221360                          221360          Purchase
245409401                                    53000                        52970.13          Cash Out Refinance
245409403                                    37000                        36985.13          Cash Out Refinance
245409412                                    63600                        63564.15          Cash Out Refinance
245605782                                    26363                        26000.77          Purchase
245606032                                   195500                       194777.74          Cash Out Refinance
245606090                                   101000                        100747.6          Purchase
245606127                                    80000                        79903.72          Cash Out Refinance
245606148                                   117600                       117162.48          Purchase
245606152                                   123360                          123360          Purchase
245606166                                    98400                        98140.94          Purchase
245606184                                    56000                         55890.7          Purchase
245606190                                    64000                        63756.61          Purchase
245606193                                    83200                        82935.75          Purchase
245606208                                   128000                       127649.46          Purchase
245606217                                    95400                        95206.65          Purchase
245606232                                    94500                        94298.61          Cash Out Refinance
245606243                                   101700                       101535.17          Purchase
245606244                                    52200                        52092.74          Purchase
245606264                                    84000                        83635.27          Cash Out Refinance
245606277                                    50150                        50105.33          Purchase
245606301                                    84915                        84744.66          Purchase
245606316                                   180000                       179475.14          Purchase
245606323                                   106000                       105878.82          Cash Out Refinance
245606324                                    77850                        77809.63          Purchase
245606371                                    50000                        49915.31          Cash Out Refinance
245707959                                   100980                       100447.57          Cash Out Refinance
245707972                                   247200                       246070.43          Cash Out Refinance
245707991                                   350000                       348502.63          Cash Out Refinance
245707993                                   206040                       205201.98          Purchase
245708000                                   269600                          269600          Purchase
245708006                                   146250                       145686.48          Cash Out Refinance
245708015                                   176000                          176000          Purchase
245708032                                   187200                       186529.94          Cash Out Refinance
245708034                                    96000                         95609.6          Rate/Term Refinance
245708041                                   254733                       253888.78          Purchase
245708044                                   204000                          204000          Purchase
245708048                                   119737                       119233.31          Rate/Term Refinance
245708052                                   396473                       394921.94          Purchase
245708059                                   316000                       314637.53          Purchase
245708062                                   188400                       187603.34          Purchase
245708064                                   180250                       179652.63          Cash Out Refinance
245708065                                   273600                          273600          Purchase
245708078                                   185400                       183412.57          Cash Out Refinance
245708080                                   152440                       151900.13          Cash Out Refinance
245708083                                   265500                       264613.16          Purchase
245708085                                   202704                          202704          Cash Out Refinance
245708087                                   227424                          227424          Cash Out Refinance
245708088                                   228000                       227130.86          Cash Out Refinance
245708102                                   341960                          341960          Cash Out Refinance
245708105                                   124000                       123617.18          Purchase
245708116                                   166087                       165789.16          Cash Out Refinance
245708123                                   297600                        296741.4          Purchase
245708126                                   144000                       143559.83          Cash Out Refinance
245708133                                    92412                           92412          Purchase
245708148                                   156560                       156090.08          Cash Out Refinance
245708156                                   141831                       141468.45          Purchase
245708158                                   150000                        149736.1          Cash Out Refinance
245708159                                   244000                       243431.15          Purchase
245708164                                   144900                       144561.53          Cash Out Refinance
245708165                                   123600                       123309.18          Cash Out Refinance
245708171                                   210120                       209477.22          Cash Out Refinance
245708174                                   178190                       177748.38          Cash Out Refinance
245708190                                   123600                       123599.99          Purchase
245708197                                    93526                        93349.48          Cash Out Refinance
245708241                                   313240                       312251.22          Cash Out Refinance
245708243                                   109344                       109172.88          Rate/Term Refinance
245708256                                   117008                       116795.44          Cash Out Refinance
245708260                                   227630                       227105.16          Cash Out Refinance
245708262                                   195000                       194669.79          Cash Out Refinance
245708298                                   164000                       163743.35          Cash Out Refinance
245708307                                   229500                       229115.17          Cash Out Refinance
245708341                                   211150                          211150          Cash Out Refinance
245708353                                   138400                       138134.13          Purchase
245708356                                   208000                       207940.64          Purchase
245708361                                   184000                       183847.68          Purchase
245708379                                   258300                       257822.25          Cash Out Refinance
245708411                                    53000                        52971.04          Purchase
246002252                                   218500                       213448.43          Cash Out Refinance
246002309                                   191850                       184812.42          Purchase
246002321                                   112000                       108940.42          Purchase
246009725                                   153000                       152339.03          Cash Out Refinance
246009733                                   344000                          344000          Purchase
246009753                                   292000                          292000          Rate/Term Refinance
246009776                                   230000                       229091.96          Cash Out Refinance
246009797                                   368225                       366493.23          Cash Out Refinance
246009802                                   217500                       216702.78          Cash Out Refinance
246009825                                   111000                        110632.1          Cash Out Refinance
246009833                                   240000                       238999.93          Cash Out Refinance
246009837                                   435670                       434869.99          Cash Out Refinance
246009840                                   300000                       298705.72          Cash Out Refinance
246009853                                   350000                       348807.87          Cash Out Refinance
246009855                                   392000                       390622.85          Rate/Term Refinance
246009859                                    90400                           90400          Purchase
246009899                                   420000                          420000          Purchase
246009901                                   280997                       280322.17          Cash Out Refinance
246009902                                   284000                          284000          Purchase
246009913                                   123985                          123985          Purchase
246009923                                   220000                          220000          Purchase
246009928                                   442694                          442694          Cash Out Refinance
246009935                                    95288                        95088.95          Cash Out Refinance
246009943                                   433000                       431697.86          Cash Out Refinance
246009944                                   219627                        219082.7          Rate/Term Refinance
246009990                                   303992                       303991.99          Purchase
246010003                                   290000                       289437.52          Cash Out Refinance
246010011                                   232000                          232000          Rate/Term Refinance
246010072                                   360000                          360000          Cash Out Refinance
246010113                                   585000                       584204.33          Cash Out Refinance
246010128                                   176900                       176553.85          Cash Out Refinance
246010136                                   226225                          226225          Cash Out Refinance
246010140                                   348000                          348000          Rate/Term Refinance
246010154                                   235920                          235920          Purchase
246010157                                    29000                        28983.99          Cash Out Refinance
246010165                                   392000                          392000          Purchase
246010166                                   292000                          292000          Rate/Term Refinance
246205341                                   350000                       349234.57          Cash Out Refinance
246205356                                   139200                       138591.07          Purchase
246205371                                   140000                       139413.76          Purchase
246205376                                   308750                       307325.57          Cash Out Refinance
246205382                                    55000                        54822.48          Cash Out Refinance
246205387                                   251328                       250357.38          Purchase
246205398                                 279517.5                          278707          Purchase
246205408                                   233600                       233599.99          Purchase
246205414                                   200000                          200000          Cash Out Refinance
246205426                                    72250                         72053.7          Purchase
246205429                                   366400                       365245.76          Cash Out Refinance
246205432                                   128112                       127616.27          Cash Out Refinance
246205469                                   142400                       142063.55          Purchase
246205490                                   127500                       127386.47          Cash Out Refinance
246205504                                   127800                       127609.32          Cash Out Refinance
246205506                                   518500                        517645.8          Rate/Term Refinance
246205526                                   181000                        180801.1          Cash Out Refinance
246205531                                   161350                       160933.53          Cash Out Refinance
246205593                                   126735                          126735          Purchase
246205602                                    25500                        25482.89          Cash Out Refinance
246300602                                   115110                       111638.23          Purchase
246404433                                   120000                       119507.78          Cash Out Refinance
246404482                                   392000                       391077.02          Cash Out Refinance
246404488                                   475500                       474413.27          Cash Out Refinance
246404490                                   400629                          400629          Rate/Term Refinance
246404501                                   246148                       246127.49          Cash Out Refinance
246404542                                   184950                       184859.97          Cash Out Refinance
246404591                                    94000                        93947.02          Cash Out Refinance
246501504                                   121185                       116049.65          Purchase
246701128                                    52800                        51472.85          Purchase
246704911                                   124320                          124320          Purchase
246704929                                    57600                        57400.19          Purchase
246704934                                   324862                       323863.94          Cash Out Refinance
246704938                                    94350                         93967.1          Cash Out Refinance
246704971                                   255000                       254301.73          Cash Out Refinance
246704991                                   126350                       126059.01          Rate/Term Refinance
246704997                                   115200                       114944.45          Purchase
246705000                                    74400                        74315.83          Purchase
246705025                                    80910                        80800.56          Purchase
246705039                                   201450                       200926.71          Cash Out Refinance
246801580                                    66600                        64945.54          Rate/Term Refinance
246808107                                    98800                        98322.29          Purchase
246808109                                    86450                        86170.49          Cash Out Refinance
246808134                                    60000                        59879.96          Cash Out Refinance
246808135                                   154800                       154228.67          Purchase
246808149                                   138600                       138137.82          Purchase
246808169                                    83230                        82878.04          Purchase
246808180                                    92000                        91728.64          Cash Out Refinance
246808192                                   114665                       114345.26          Purchase
246808204                                    60000                        59770.46          Purchase
246808208                                    68000                        67826.16          Purchase
246808212                                    94400                        94143.18          Purchase
246808218                                   150000                       149667.85          Cash Out Refinance
246808229                                    87300                        87085.73          Purchase
246808235                                    60000                        59864.62          Purchase
246808240                                    72200                        72059.51          Cash Out Refinance
246808359                                   102295                       102141.15          Cash Out Refinance
246808392                                    96152                         95983.7          Purchase
246903676                                   272020                          272020          Cash Out Refinance
246903716                                   189924                       189586.92          Cash Out Refinance
246903725                                   123600                       123346.99          Cash Out Refinance
246903734                                    66400                        66168.66          Purchase
247301053                                   103860                       101372.11          Cash Out Refinance
247305256                                   113009                          113009          Purchase
247305460                                   279012                       278017.47          Cash Out Refinance
247305463                                   209950                       208989.32          Cash Out Refinance
247305501                                   205200                        204642.6          Purchase
247305511                                   177888                       177426.02          Rate/Term Refinance
247305512                                 205339.2                        205339.2          Purchase
247305565                                   114800                          114800          Purchase
247305566                                   278516                          278516          Cash Out Refinance
247305577                                   264000                       263643.82          Cash Out Refinance
247305585                                   207000                        206745.7          Purchase
247305595                                    89600                        89496.51          Purchase
247305598                                   176112                       175739.16          Purchase
247305602                                   122400                       122217.75          Purchase
247305618                                    67000                        66963.32          Purchase
247305632                                   257400                          257400          Cash Out Refinance
247305634                                   294516                          294516          Cash Out Refinance
247305651                                    75000                        74958.17          Purchase
247305662                                    23400                        23387.99          Purchase
247305664                                   110000                       109906.21          Purchase
247305671                                    79600                        79561.66          Rate/Term Refinance
247404265                                    70000                        69826.14          Cash Out Refinance
247404400                                   110544                       110194.99          Purchase
247404470                                   175200                          175200          Purchase
247404480                                   170000                       169420.83          Cash Out Refinance
247404484                                   108950                       108536.54          Rate/Term Refinance
247404485                                    72806                        72615.93          Purchase
247404496                                   108000                       107549.29          Cash Out Refinance
247404548                                    93600                           93131          Cash Out Refinance
247404557                                    92185                        91938.46          Cash Out Refinance
247404580                                    76500                         76298.8          Cash Out Refinance
247404585                                   244350                       243774.39          Purchase
247404591                                   348000                       344746.67          Cash Out Refinance
247404634                                    67500                        67352.35          Purchase
247404696                                    56700                        56616.54          Purchase
247404710                                    57690                        57228.77          Purchase
247404721                                   150980                       150754.94          Cash Out Refinance
247404737                                    80000                        79735.59          Purchase
247404807                                    91195                        91071.95          Cash Out Refinance
247404811                                    73900                        73855.23          Purchase
247404832                                   265019                       264728.38          Cash Out Refinance
247404840                                   147200                       146911.75          Purchase
247404845                                   107840                       107664.43          Purchase
247404896                                    72000                        71947.62          Purchase
247404906                                    18000                        17994.43          Purchase
247404909                                    64000                        63941.57          Purchase
247404916                                   144000                          144000          Cash Out Refinance
247404931                                    42100                        42082.53          Purchase
247404937                                    26000                        25987.99          Rate/Term Refinance
247404955                                   140080                       139960.57          Purchase
247603159                                    82400                        82174.33          Purchase
247603250                                   107100                       106725.55          Rate/Term Refinance
247603281                                   132000                       131799.51          Cash Out Refinance
247603282                                    60000                        59755.46          Purchase
247603303                                   120000                        119811.9          Purchase
247603304                                   132000                       131532.53          Purchase
247603318                                   104040                       103600.03          Purchase
247603331                                    91890                        91829.83          Purchase
247603349                                    94500                        94333.19          Purchase
247603353                                    94400                         94161.5          Purchase
247603403                                    88000                         87847.8          Purchase
247603404                                    85600                        85483.56          Purchase
247603409                                   214240                       213832.36          Purchase
247603410                                    60800                        60688.68          Purchase
247603414                                   235450                       235038.05          Cash Out Refinance
247603446                                 107312.5                       107241.94          Purchase
247603453                                    19800                         19794.2          Purchase
248605215                                   202400                          202400          Purchase
248605221                                   445000                       444999.99          Cash Out Refinance
248605228                                   108750                       108059.21          Purchase
248605233                                   251000                       249776.88          Purchase
248605310                                   126640                          126640          Purchase
248605402                                    23800                        23611.08          Purchase
248605419                                   140800                          140800          Rate/Term Refinance
248605421                                   280000                          280000          Purchase
248605434                                   269408                       268279.46          Purchase
248605443                                   103620                          103620          Purchase
248605447                                   135920                       135322.46          Purchase
248605454                                   162400                          162400          Purchase
248605459                                   243000                       242999.99          Cash Out Refinance
248605460                                    70400                        70394.24          Purchase
248605465                                   134000                          134000          Purchase
248605471                                   260000                          260000          Purchase
248605474                                   134800                          134800          Purchase
248605478                                   203960                       203943.58          Purchase
248605481                                    64948                        64748.42          Cash Out Refinance
248605484                                    65000                        64825.32          Purchase
248605489                                   195200                       194390.54          Cash Out Refinance
248605492                                   122755                       122466.99          Purchase
248605499                                    67500                        67245.35          Purchase
248605502                                   130500                       130006.71          Purchase
248605504                                   119920                          119920          Purchase
248605505                                   188000                          188000          Purchase
248605509                                   220200                       220199.29          Purchase
248605514                                   219900                       218835.71          Purchase
248605527                                   170000                       169416.17          Cash Out Refinance
248605530                                   141600                       140965.32          Purchase
248605537                                    50990                        50847.77          Purchase
248605539                                   475000                       474907.97          Cash Out Refinance
248605541                                   120000                       119396.64          Purchase
248605546                                   151200                       150659.47          Purchase
248605547                                   175200                          175200          Purchase
248605549                                    33980                        33808.81          Purchase
248605551                                   144500                       144042.27          Purchase
248605552                                    35400                        35316.03          Purchase
248605553                                   200000                       199194.69          Purchase
248605554                                   140000                       139390.51          Purchase
248605561                                   103600                       103194.97          Purchase
248605562                                   117000                          117000          Cash Out Refinance
248605571                                    15800                        15740.17          Purchase
248605576                                   214200                          214200          Purchase
248605579                                   152000                          152000          Purchase
248605580                                    70560                        70415.43          Cash Out Refinance
248605582                                   143200                       142576.53          Purchase
248605583                                   190800                       190239.51          Cash Out Refinance
248605585                                   141600                          141600          Purchase
248605594                                   100000                        99532.23          Purchase
248605600                                    33500                        33421.39          Purchase
248605602                                   206000                          206000          Purchase
248605612                                    95200                        95199.98          Purchase
248605618                                   129200                       129199.99          Purchase
248605626                                    17600                        17453.26          Purchase
248605627                                   122240                       121625.39          Purchase
248605634                                   128800                       128699.59          Purchase
248605635                                   168800                          168800          Purchase
248605640                                    25000                        24943.18          Purchase
248605643                                    35400                         35300.8          Purchase
248605648                                   204300                       203521.62          Purchase
248605651                                   167200                       167199.97          Purchase
248605654                                    98400                        98083.94          Purchase
248605655                                   121000                          121000          Cash Out Refinance
248605656                                    30000                        29908.75          Purchase
248605661                                    23800                        23749.76          Purchase
248605663                                    59067                        58920.83          Purchase
248605665                                    86000                         85734.5          Cash Out Refinance
248605670                                   288000                       287997.21          Purchase
248605671                                   136000                       135575.95          Cash Out Refinance
248605677                                   136000                          136000          Purchase
248605681                                   186300                       185700.81          Purchase
248605683                                   104800                       104492.05          Purchase
248605685                                   111160                       111119.79          Purchase
248605689                                   115360                          115360          Purchase
248605690                                   490000                       488308.09          Cash Out Refinance
248605698                                   132800                          132800          Purchase
248605707                                    39980                        39908.34          Purchase
248605712                                    32200                        31902.29          Purchase
248605719                                    26440                        26404.16          Purchase
248605724                                    27790                        27626.07          Purchase
248605726                                    34000                        33956.66          Purchase
248605727                                    47000                        46908.35          Purchase
248605730                                   200000                          200000          Purchase
248605737                                   392000                          392000          Rate/Term Refinance
248605739                                    58500                        58375.63          Purchase
248605740                                   149200                       148259.27          Purchase
248605742                                   136000                          136000          Purchase
248605748                                    41800                        41707.41          Purchase
248605759                                   100000                        99635.44          Purchase
248605760                                   113600                       113292.03          Purchase
248605762                                    30700                        30629.22          Purchase
248605767                                    86000                        85758.58          Rate/Term Refinance
248605775                                   270400                          270400          Purchase
248605777                                    33874                        33804.37          Purchase
248605784                                    50000                         49719.3          Purchase
248605785                                   221600                       221599.99          Purchase
248605787                                    81000                        80878.26          Rate/Term Refinance
248605789                                   130500                       130160.26          Cash Out Refinance
248605794                                   210400                          210400          Purchase
248605798                                   145800                        145453.7          Cash Out Refinance
248605799                                   260800                          260800          Purchase
248605800                                   234000                       233999.99          Rate/Term Refinance
248605801                                   211520                       210671.39          Purchase
248605804                                   156000                          156000          Purchase
248605808                                    66000                         65886.4          Purchase
248605812                                   252000                          252000          Purchase
248605813                                   437500                       436030.06          Cash Out Refinance
248605817                                    62400                        62282.08          Purchase
248605818                                   144000                       143528.34          Purchase
248605826                                    54000                        53917.58          Purchase
248605836                                    28400                        28361.42          Purchase
248605840                                    56000                        55882.04          Cash Out Refinance
248605844                                   165600                          165600          Purchase
248605845                                   126280                       125909.03          Purchase
248605846                                    26493                        26460.74          Purchase
248605847                                    36000                        35917.94          Purchase
248605848                                    39000                        38922.32          Purchase
248605855                                    31570                        31509.72          Purchase
248605856                                    68800                        68639.58          Rate/Term Refinance
248605857                                   247994                        247422.7          Purchase
248605861                                   277500                       277058.66          Cash Out Refinance
248605863                                   574000                       572883.04          Cash Out Refinance
248605865                                   208000                          208000          Rate/Term Refinance
248605870                                   245600                          245600          Purchase
248605878                                   116000                       115742.68          Purchase
248605884                                   264000                          264000          Purchase
248605887                                    17200                        17174.67          Cash Out Refinance
248605897                                   240000                       239927.13          Purchase
248605899                                   135920                          135920          Purchase
248605902                                    18300                        18225.17          Cash Out Refinance
248605912                                   135960                       135767.45          Purchase
248605916                                    35400                         35287.7          Purchase
248605919                                   128000                       127936.51          Purchase
248605922                                    41400                        41315.36          Purchase
248605928                                    45000                        44922.93          Purchase
248605932                                   240000                          240000          Purchase
248605933                                    64600                         64499.1          Purchase
248605935                                   159920                          159920          Purchase
248605938                                   234400                       234399.99          Purchase
248605942                                   351200                       350251.57          Purchase
248605944                                   395200                       394345.73          Cash Out Refinance
248605948                                   304000                          304000          Purchase
248605952                                    45200                        45150.02          Purchase
248605953                                   126900                       126767.86          Purchase
248605954                                    25980                        25841.71          Purchase
248605955                                   123200                          123200          Purchase
248605956                                   243000                       242498.24          Cash Out Refinance
248605958                                   202500                       202379.61          Purchase
248605962                                   131451                          131451          Purchase
248605967                                   141760                       141401.39          Purchase
248605968                                    31380                        31340.58          Purchase
248605970                                   309600                          309600          Purchase
248605974                                    63920                        63796.88          Purchase
248605976                                   302400                          302400          Purchase
248605977                                   179120                          179120          Purchase
248605981                                   228000                          228000          Rate/Term Refinance
248606000                                    60800                        60548.28          Cash Out Refinance
248606005                                    75600                        75497.73          Purchase
248606008                                   107350                        107164.6          Cash Out Refinance
248606009                                    15980                        15960.49          Purchase
248606024                                   228950                        228591.7          Purchase
248606037                                    72000                        71895.95          Purchase
248606045                                   136000                       135793.42          Purchase
248606054                                   184000                          184000          Purchase
248606112                                   138132                       137936.37          Purchase
248606118                                   176000                          176000          Purchase
248606144                                   230000                       229714.54          Purchase
248606148                                   159120                       158901.36          Purchase
248606158                                   202500                       202192.41          Cash Out Refinance
248606161                                   152800                       152692.37          Purchase
248606164                                   175000                        174711.7          Cash Out Refinance
248606170                                   148000                       147783.98          Purchase
248606171                                   290500                        290164.5          Cash Out Refinance
248606183                                   166400                       166258.12          Purchase
248606184                                   171900                       171753.44          Purchase
248606187                                   369000                       368375.15          Cash Out Refinance
248606189                                   100000                          100000          Purchase
248606227                                    71998                        71906.04          Purchase
248606253                                    41600                           41585          Purchase
248606311                                    34690                        34676.38          Purchase
248606328                                    16200                        16194.21          Purchase
248606335                                    58050                        58023.76          Cash Out Refinance
248606338                                    53000                        52808.01          Cash Out Refinance
248606339                                    53000                        52918.18          Purchase
248606341                                    37800                        37773.53          Cash Out Refinance
248606346                                   198000                       197861.65          Purchase
248606352                                    33778                         33659.2          Purchase
248606363                                    38200                        38182.63          Purchase
248606369                                    62000                        61962.44          Purchase
248606370                                    42670                        42658.65          Purchase
248606383                                    40000                        39967.53          Purchase
248606420                                168987.75                       168910.56          Purchase
249007080                                 59812.63                        58229.13          Cash Out Refinance
249007245                                 49603.03                        48404.14          Cash Out Refinance
249007449                                 61352.41                        60178.12          Cash Out Refinance
249007515                                    35810                        35250.56          Cash Out Refinance
249023305                                   200990                       200235.26          Cash Out Refinance
249023459                                    36600                        36453.03          Cash Out Refinance
249023575                                 113701.7                       113407.85          Cash Out Refinance
249023707                                   121000                        120773.8          Cash Out Refinance
249023733                                 81697.35                        81575.82          Cash Out Refinance
249023746                                    68000                        67897.77          Cash Out Refinance
249023873                                   108250                       108002.58          Cash Out Refinance
249023905                                   139000                       138666.13          Cash Out Refinance
249023942                                 173858.4                       173360.91          Cash Out Refinance
249023956                                   150000                       149752.88          Cash Out Refinance
249023972                                   169200                       168715.83          Rate/Term Refinance
249024064                                   135900                       135899.99          Cash Out Refinance
249024113                                    92000                        91911.03          Cash Out Refinance
249024114                                  97392.9                        97232.44          Cash Out Refinance
249024131                                   116000                       115779.28          Cash Out Refinance
249024171                                  64921.4                        64888.09          Cash Out Refinance
249024187                                   418548                       417949.27          Cash Out Refinance
249107149                                 33745.92                        28295.88          Cash Out Refinance
249107256                                  58379.4                        56400.27          Cash Out Refinance
249121123                                    72848                        72148.15          Cash Out Refinance
249121616                                 36159.85                         35999.1          Cash Out Refinance
249121650                                    56000                        55867.58          Cash Out Refinance
249121656                                    31467                        30785.39          Cash Out Refinance
249121766                                  37733.2                        37702.91          Cash Out Refinance
249121776                                   210000                       209325.56          Cash Out Refinance
249121795                                    50000                        49888.34          Cash Out Refinance
249121875                                    35000                        34818.61          Cash Out Refinance
249122003                                   120000                       119743.94          Cash Out Refinance
249122037                                    72000                        71825.82          Cash Out Refinance
249122072                                   215000                       214556.07          Cash Out Refinance
249122091                                    76500                        76395.94          Cash Out Refinance
249122104                                    50000                        49514.22          Cash Out Refinance
249122109                                    50000                        49894.14          Cash Out Refinance
249122110                                   297500                       297098.61          Rate/Term Refinance
249122157                                   125600                       125387.58          Cash Out Refinance
249122169                                   256666                       255972.85          Cash Out Refinance
249122173                                    72392                        72316.63          Cash Out Refinance
249122194                                    50000                        49940.43          Cash Out Refinance
249122209                                    70000                        69941.03          Cash Out Refinance
249122222                                    90000                        89901.29          Cash Out Refinance
249122223                                    65700                        65611.35          Cash Out Refinance
249122236                                 173053.5                       172734.42          Cash Out Refinance
249122312                                   499038                       498324.14          Cash Out Refinance
249200018                                    14625                         4387.85          Cash Out Refinance
249208152                                    43750                        42957.77          Rate/Term Refinance
249208164                                 48698.23                        48073.22          Cash Out Refinance
249208307                                 43010.56                        39525.29          Cash Out Refinance
249208374                                    36400                        35757.42          Rate/Term Refinance
249208534                                    63540                        62098.85          Cash Out Refinance
249226343                                    77000                        76595.72          Cash Out Refinance
249226422                                    57000                        56621.63          Cash Out Refinance
249226454                                  57801.8                         57664.1          Cash Out Refinance
249226775                                    56000                        55831.42          Cash Out Refinance
249226788                                    99539                        99249.34          Cash Out Refinance
249226805                                  69246.9                        69041.45          Cash Out Refinance
249226808                                   172800                       172241.63          Rate/Term Refinance
249226880                                    50000                        49837.24          Cash Out Refinance
249226901                                    43200                         43126.5          Cash Out Refinance
249226905                                    51100                        51008.22          Cash Out Refinance
249227002                                    58100                        58024.67          Cash Out Refinance
249227051                                    64200                        64112.22          Cash Out Refinance
249227063                                    56250                        56170.61          Cash Out Refinance
249227080                                    72000                        71768.07          Cash Out Refinance
249227165                                    96588                        96469.31          Rate/Term Refinance
249227218                                    72000                        71837.05          Cash Out Refinance
249227267                                   100800                       100696.92          Cash Out Refinance
249227271                                    68000                         67908.8          Cash Out Refinance
249227276                                    62400                        62302.35          Rate/Term Refinance
249227299                                176003.05                       175518.46          Cash Out Refinance
249227311                                122613.95                       122425.73          Cash Out Refinance
249227406                                   316715                       315702.93          Cash Out Refinance
249227426                                    92000                        91906.22          Cash Out Refinance
249227531                                    60000                        59920.08          Cash Out Refinance
249227545                                   150000                       149787.58          Cash Out Refinance
249227661                                 122293.8                       122213.16          Cash Out Refinance
249305518                                    44800                        28513.25          Cash Out Refinance
249305578                                    76000                        74615.53          Cash Out Refinance
249320533                                   183000                       182104.46          Rate/Term Refinance
249320689                                 115411.5                        114775.9          Cash Out Refinance
249320949                                    52000                        51667.16          Cash Out Refinance
249320999                                 140052.6                       139698.94          Cash Out Refinance
249321183                                    39500                         39415.4          Cash Out Refinance
249321329                                   252000                       251389.11          Cash Out Refinance
249321417                                    31930                        31835.41          Cash Out Refinance
249321418                                   133850                       133646.66          Cash Out Refinance
249321500                                    65000                        64927.36          Cash Out Refinance
249321555                                   186000                        185827.7          Cash Out Refinance
249321560                                 129944.8                       129757.04          Cash Out Refinance
249321582                                   150000                       149614.16          Cash Out Refinance
249321609                                    60800                        60701.97          Rate/Term Refinance
249321750                                 226977.8                       226707.42          Cash Out Refinance
249321803                                   204500                       204287.13          Cash Out Refinance
249321872                                    85490                        85424.27          Cash Out Refinance
249403952                                    38865                        37833.05          Cash Out Refinance
249404233                                 53005.22                         52164.7          Rate/Term Refinance
249504115                                  72872.5                        60839.67          Cash Out Refinance
249504429                                    22680                        22099.44          Cash Out Refinance
249521167                                   384705                       382057.22          Rate/Term Refinance
249521952                                   113000                       112601.52          Cash Out Refinance
249522316                                    50500                        50218.04          Cash Out Refinance
249522493                                    36500                        36323.92          Cash Out Refinance
249522584                                 114295.8                       114194.02          Cash Out Refinance
249522676                                    35000                        34942.39          Cash Out Refinance
249522706                                    57950                        57674.91          Cash Out Refinance
249522766                                  78650.8                        78419.74          Cash Out Refinance
249522783                                   480000                       479343.86          Cash Out Refinance
249522798                                 71939.55                        71787.41          Rate/Term Refinance
249522816                                    92500                        92216.65          Cash Out Refinance
249522941                                    35000                        34915.93          Cash Out Refinance
249523026                                   165000                       164772.04          Cash Out Refinance
249523068                                 228258.3                       227823.43          Cash Out Refinance
249523114                                    74000                        73945.81          Cash Out Refinance
249523143                                 136750.6                       136448.19          Cash Out Refinance
249523148                                  52148.9                        52108.76          Cash Out Refinance
249523151                                    65000                        64885.54          Cash Out Refinance
249523160                                    50000                        49931.26          Cash Out Refinance
249523163                                   150000                       149909.12          Cash Out Refinance
249523183                                   273666                       273470.89          Cash Out Refinance
249523201                                   135800                       135513.84          Cash Out Refinance
249523210                                   143431                       143185.72          Cash Out Refinance
249523213                                   165000                       164728.17          Cash Out Refinance
249523439                                   100000                        99974.41          Cash Out Refinance
249602746                                 33445.11                         32629.1          Cash Out Refinance
249602976                                    49600                        48385.93          Cash Out Refinance
249615513                                    35000                        34607.33          Cash Out Refinance
249615515                                 583552.5                       581967.34          Cash Out Refinance
249615565                                    39700                        39359.23          Cash Out Refinance
249615644                                   170980                       170454.52          Cash Out Refinance
249615657                                    41750                        41585.95          Cash Out Refinance
249615842                                  66431.2                        65764.16          Cash Out Refinance
249615878                                    96500                         96360.2          Cash Out Refinance
249615942                                    81000                        80792.92          Cash Out Refinance
249616047                                   281715                       281086.01          Cash Out Refinance
249616081                                    84550                        84378.31          Rate/Term Refinance
249616099                                 134219.3                       133816.28          Cash Out Refinance
249616119                                   153833                        153554.3          Cash Out Refinance
249616183                                117184.55                       117027.37          Cash Out Refinance
249616193                                  46523.4                        46454.91          Cash Out Refinance
249616281                                   170274                        170086.9          Cash Out Refinance
249616295                                   124000                       123792.06          Cash Out Refinance
249616315                                  70026.3                        69921.06          Cash Out Refinance
249616346                                  63514.5                        63446.81          Cash Out Refinance
249616352                                    94039                        93935.65          Cash Out Refinance
249616370                                 171290.7                       171075.91          Cash Out Refinance
249616385                                  88054.7                        87927.45          Cash Out Refinance
249616399                                   157176                       156978.92          Cash Out Refinance
249616451                                    54300                        54255.23          Cash Out Refinance
249616466                                    77500                        77431.86          Cash Out Refinance
249616474                                 75640.95                        75500.88          Cash Out Refinance
249616497                                   310156                       309759.08          Rate/Term Refinance
249616510                                    87000                         86957.2          Rate/Term Refinance
249616587                                   105000                       104953.45          Cash Out Refinance
249616626                                    50000                        49979.21          Cash Out Refinance
249616638                                  58070.4                        58018.68          Rate/Term Refinance
249723869                                   209274                       208561.06          Cash Out Refinance
249723930                                    56240                         56113.2          Cash Out Refinance
249723998                                 75658.65                        75508.44          Rate/Term Refinance
249724158                                    99710                        99415.74          Cash Out Refinance
249724328                                 129944.8                       129565.48          Rate/Term Refinance
249724391                                 181238.8                       180684.77          Cash Out Refinance
249724430                                   135000                       134701.08          Cash Out Refinance
249724462                                   100000                        99656.04          Purchase
249724534                                   116850                        116685.1          Cash Out Refinance
249724585                                 140203.6                       140033.12          Cash Out Refinance
249724605                                    67900                        67761.24          Cash Out Refinance
249724680                                 104297.8                       104172.28          Cash Out Refinance
249724699                                   106200                       105696.59          Cash Out Refinance
249724727                                    66680                        66489.17          Cash Out Refinance
249724730                                    44000                        43896.17          Cash Out Refinance
249724740                                   168000                       167827.48          Rate/Term Refinance
249724773                                 111881.1                       111665.58          Cash Out Refinance
249724821                                   154500                       154353.17          Cash Out Refinance
249724825                                   129500                       129224.01          Cash Out Refinance
249724876                                   100800                       100605.83          Cash Out Refinance
249724897                                   271800                       271534.35          Rate/Term Refinance
249724898                                    82000                        81843.98          Cash Out Refinance
249724980                                 122250.7                       122087.75          Cash Out Refinance
249725054                                 112846.8                       112738.06          Cash Out Refinance
249725094                                   274550                       274097.69          Cash Out Refinance
249725167                                 245342.5                       245092.43          Rate/Term Refinance
249725222                                 59953.05                         59935.5          Cash Out Refinance
249725262                                   134700                       134636.48          Rate/Term Refinance
249800840                                    22750                        22122.24          Cash Out Refinance
249801014                                 50048.01                        48500.64          Cash Out Refinance
249802271                                 37213.78                        29408.35          Cash Out Refinance
249802655                                   130500                       126796.54          Rate/Term Refinance
249818257                                    73000                        72251.77          Cash Out Refinance
249818417                                   150000                       149632.05          Cash Out Refinance
250700062                                   104500                       104199.08          Purchase
250800095                                   227205                       226071.09          Cash Out Refinance
250800126                                   208080                          208080          Rate/Term Refinance
250800144                                   133600                          133600          Purchase
250800197                                193591.75                       193591.74          Cash Out Refinance
250800212                                   282800                          282800          Cash Out Refinance
250800213                                    51200                         51044.3          Cash Out Refinance
250800216                                   205632                       204598.16          Purchase
250800222                                   109650                       109156.26          Cash Out Refinance
250800256                                    76800                        76516.35          Purchase
250800271                                   359040                       359039.99          Purchase
250800274                                   315000                       314204.53          Cash Out Refinance
250800277                                   426000                        424710.7          Cash Out Refinance
250800285                                   249000                       248253.59          Cash Out Refinance
250800289                                294716.25                       293917.08          Rate/Term Refinance
250800290                                   264000                       263538.11          Cash Out Refinance
250800299                                   245140                       244237.67          Cash Out Refinance
250800307                                   123300                       123093.58          Cash Out Refinance
250800318                                   155200                       154725.58          Purchase
250800346                                   240000                       239542.38          Cash Out Refinance
250800357                                   390000                       389081.74          Cash Out Refinance
250800361                                   261120                          261120          Rate/Term Refinance
250800375                                   126350                       126137.01          Cash Out Refinance
250800419                                   266000                       265309.04          Purchase
250800424                                  99387.2                        99298.22          Purchase
250800437                                   170400                       170088.06          Purchase
250800441                                   285600                       285199.58          Cash Out Refinance
250800450                                   225000                       224713.58          Cash Out Refinance
250800466                                   366000                          366000          Purchase
250800471                                   115360                       115206.23          Cash Out Refinance
250800490                                   199960                          199760          Purchase
250800528                                    39980                        39963.76          Purchase
250800547                                    24200                        24169.55          Cash Out Refinance
250900887                                   173380                       172472.04          Cash Out Refinance
250900895                                    94500                        94237.99          Purchase
250900900                                   223200                          223200          Purchase
250900921                                   105000                       104700.08          Cash Out Refinance
250900923                                   294400                       293600.27          Cash Out Refinance
250900952                                   101700                       101463.36          Purchase
250900954                                   189150                       188588.81          Cash Out Refinance
250900957                                   412250                       410912.94          Purchase
250900976                                   208000                       207519.86          Purchase
250901010                                    50090                        50020.48          Cash Out Refinance
250901041                                   212500                       212083.88          Cash Out Refinance
250901058                                    38000                           37983          Cash Out Refinance
250901067                                    65200                        65179.83          Purchase
251100651                                   224032                          224032          Purchase
251100682                                    87500                        87371.97          Cash Out Refinance
251100693                                   312300                       312299.99          Cash Out Refinance
251100698                                   400000                       398518.86          Purchase
251100703                                   333157                          333157          Cash Out Refinance
251100706                                   506400                          506400          Cash Out Refinance
251100714                                   472000                          472000          Purchase
251100715                                   351500                       351499.99          Cash Out Refinance
251100729                                   270000                          270000          Purchase
251100731                                   400000                       398822.09          Purchase
251100747                                   218400                          218379          Purchase
251100764                                   265500                          265500          Purchase
251100772                                   395000                       394311.22          Cash Out Refinance
251100783                                   174400                       174020.79          Purchase
251100786                                    43600                        43541.53          Purchase
251100829                                   220800                       220359.28          Purchase
251100843                                   502400                          502400          Purchase
251100844                                    80000                        79964.98          Purchase
251100861                                    67736                        67707.59          Cash Out Refinance
251100872                                    89600                        89548.44          Purchase
251100893                                   230400                       230143.03          Purchase
251201053                                   117000                       116678.93          Cash Out Refinance
251201103                                    64890                        64682.02          Purchase
251201124                                   225000                       224234.99          Cash Out Refinance
251201196                                   104490                        104317.5          Purchase
251201206                                    90000                        89884.81          Purchase
251301254                                   119483                       119060.09          Cash Out Refinance
251301301                                    57680                        57520.41          Purchase
251301305                                    76800                        76645.43          Purchase
251301315                                   209700                       209201.36          Rate/Term Refinance
251301331                                    87200                        87055.72          Purchase
251400937                                    73645                        72723.91          Purchase
251400972                                   119920                       119491.21          Purchase
251401004                                   207200                       206513.31          Purchase
251401008                                    84600                         84195.9          Cash Out Refinance
251401040                                   198970                       198148.39          Rate/Term Refinance
251401062                                   128250                       127895.24          Cash Out Refinance
251401093                                   264000                       263838.32          Cash Out Refinance
251401143                                    61800                        61719.48          Cash Out Refinance
251401148                                   212000                       211608.13          Purchase
251401183                                    37600                         37581.5          Cash Out Refinance
251401198                                   234000                       233732.52          Cash Out Refinance
251401234                                    50400                        50376.73          Cash Out Refinance
251500889                                   171000                       169851.87          Rate/Term Refinance
251500916                                    94760                        94397.22          Purchase
251500941                                   152440                       151701.19          Cash Out Refinance
251500947                                   230744                       230573.99          Purchase
251500956                                   171801                       171121.61          Purchase
251500982                                   155000                       154542.88          Cash Out Refinance
251501002                                   111350                       111054.15          Purchase
251501028                                    72000                           72000          Purchase
251501032                                    86000                        85707.06          Purchase
251501044                                   130290                       130006.71          Purchase
251501047                                    92000                        91675.51          Purchase
251501065                                   185141                       184608.37          Rate/Term Refinance
251501070                                    70000                        69916.47          Cash Out Refinance
251501086                                   264164                       263276.12          Cash Out Refinance
251501135                                   247200                          247200          Cash Out Refinance
251501162                                    31742                        31726.38          Purchase
251501165                                    68652                        68534.61          Purchase
251501197                                   168000                          167824          Purchase
251501199                                    51700                        51680.74          Purchase
251600978                                    82620                         82167.4          Purchase
251601038                                   127040                       126399.79          Purchase
251601169                                   134400                       133831.69          Purchase
251601213                                    23400                        23306.47          Cash Out Refinance
251601218                                   420160                       419299.92          Cash Out Refinance
251601284                                   200232                       199851.02          Purchase
251601290                                   109888                       109553.25          Purchase
251601321                                   180000                       179703.46          Cash Out Refinance
251601351                                   100800                       100707.08          Purchase
251601352                                    25200                         25170.1          Purchase
251601362                                   232000                          232000          Purchase
251601373                                   300000                       299997.51          Cash Out Refinance
251601388                                   110400                       110287.97          Purchase
251601389                                    27600                        27519.65          Purchase
252004760                                   135000                       134499.04          Cash Out Refinance
252004802                                   100579                        100363.1          Rate/Term Refinance
252004856                                   139520                       139092.67          Purchase
252004868                                   103300                       103125.85          Purchase
252004887                                   112000                        111788.6          Cash Out Refinance
252004960                                    75510                        75427.03          Purchase
252005002                                    82000                        81900.09          Cash Out Refinance
252005034                                   153000                       152805.38          Cash Out Refinance
252005046                                   245000                       244686.46          Cash Out Refinance
252005053                                   235000                       234814.84          Purchase
252005082                                    33000                        32986.01          Purchase
252005096                                    25000                        24991.46          Cash Out Refinance
252005109                                    31800                        31785.16          Cash Out Refinance
252005137                                    56700                        56674.86          Purchase
252205402                                    54980                        54846.83          Cash Out Refinance
252205571                                   177078                       172554.06          Cash Out Refinance
252205656                                  95161.5                        94892.14          Cash Out Refinance
252205925                                    52500                        52403.88          Cash Out Refinance
252206168                                 309886.5                       309289.58          Cash Out Refinance
252206194                                    90100                         89879.1          Cash Out Refinance
252206225                                   138750                        138390.1          Purchase
252206278                                   201225                       200855.91          Cash Out Refinance
252206356                                   155550                       155190.94          Cash Out Refinance
252206398                                    90000                        89919.87          Cash Out Refinance
252206601                                    71286                        71219.21          Cash Out Refinance
252402166                                   210000                       206594.16          Cash Out Refinance
252405038                                   170300                       169634.26          Cash Out Refinance
252405039                                   256500                       255921.87          Purchase
252405092                                    27000                        26875.94          Cash Out Refinance
252405120                                   311000                       309940.44          Cash Out Refinance
252405199                                   106300                       106034.11          Cash Out Refinance
252405263                                   200000                       199593.36          Cash Out Refinance
252405272                                  51513.6                         51421.1          Cash Out Refinance
252405280                                    25000                        24921.25          Cash Out Refinance
252405303                                   156750                       156561.75          Cash Out Refinance
252405313                                   182000                       181754.44          Cash Out Refinance
252405353                                   108125                       107951.95          Rate/Term Refinance
252405394                                   199500                       199025.47          Cash Out Refinance
252405412                                 169852.5                       169534.32          Rate/Term Refinance
252405454                                    35000                        34910.72          Cash Out Refinance
252405458                                   341960                       341000.15          Cash Out Refinance
252405512                                    56550                        56462.36          Cash Out Refinance
252405569                                    48000                        47768.69          Cash Out Refinance
252405602                                    48000                        47934.24          Cash Out Refinance
252405626                                  66431.2                        66347.03          Cash Out Refinance
252405628                                   291325                       290918.24          Cash Out Refinance
252405643                                   343500                       342710.26          Cash Out Refinance
252405647                                    70000                        69826.93          Purchase
252405659                                   112000                        111849.2          Cash Out Refinance
252405679                                   175500                       175178.72          Cash Out Refinance
252405705                                   166250                       166067.32          Cash Out Refinance
252405711                                   380058                       379331.55          Cash Out Refinance
252405755                                   403750                       403234.28          Cash Out Refinance
252405768                                    69000                         68877.3          Cash Out Refinance
252405964                                  81862.5                        81829.61          Cash Out Refinance
252505413                                   226000                        225094.5          Purchase
252505561                                   270000                        269311.1          Cash Out Refinance
252505614                                   176000                       175459.27          Cash Out Refinance
252505651                                    51000                        50926.09          Purchase
252505665                                  54493.5                        54158.14          Rate/Term Refinance
252505667                                    77700                        77519.21          Cash Out Refinance
252505688                                   104000                       102985.82          Cash Out Refinance
252505751                                   125000                       124610.25          Cash Out Refinance
252505803                                    61000                        60875.12          Rate/Term Refinance
252505818                                    50000                        49933.35          Cash Out Refinance
252505825                                   106250                       105971.41          Cash Out Refinance
252505832                                   104500                       104287.81          Rate/Term Refinance
252505833                                183067.47                       182507.86          Rate/Term Refinance
252505926                                   136800                        136608.2          Cash Out Refinance
252505944                                   170100                       169814.78          Cash Out Refinance
252505947                                   104800                       104668.59          Cash Out Refinance
252505948                                   104637                       104529.22          Cash Out Refinance
252505949                                    65000                        64907.01          Cash Out Refinance
252505955                                   113000                       112858.31          Cash Out Refinance
252505965                                   119000                       118269.67          Cash Out Refinance
252505978                                   227000                        226568.1          Cash Out Refinance
252505986                                 165323.1                       165029.67          Cash Out Refinance
252505991                                   575000                       573977.62          Cash Out Refinance
252506001                                   380400                       379762.13          Cash Out Refinance
252506011                                    57000                        56926.29          Cash Out Refinance
252506020                                   110000                       109805.49          Cash Out Refinance
252506124                                   118800                       118604.27          Cash Out Refinance
252506173                                  80019.4                        79899.16          Cash Out Refinance
252506180                                   143000                       142799.51          Cash Out Refinance
252607132                                    50000                        49816.93          Cash Out Refinance
252707582                                   191750                       190761.26          Cash Out Refinance
252707782                                    52490                        52292.76          Cash Out Refinance
252707984                                 163058.4                       162502.89          Cash Out Refinance
252708030                                134377.65                       133927.96          Rate/Term Refinance
252708083                                 137638.9                       137267.19          Cash Out Refinance
252708333                                   114540                        114273.5          Cash Out Refinance
252708350                                   605500                       603987.18          Rate/Term Refinance
252708421                                    60000                        59177.25          Cash Out Refinance
252708476                                    54000                        53786.13          Rate/Term Refinance
252708675                                  72666.5                        72552.61          Cash Out Refinance
252708690                                   178000                       177466.58          Cash Out Refinance
252708818                                  80536.1                        79887.03          Rate/Term Refinance
252708921                                   364000                       362958.43          Cash Out Refinance
252708927                                   428925                        428135.1          Cash Out Refinance
252708933                                   188100                       187579.95          Cash Out Refinance
252708938                                   120000                       119804.68          Rate/Term Refinance
252709034                                    59400                        59023.76          Cash Out Refinance
252709055                                  75313.5                        75126.84          Rate/Term Refinance
252709086                                  69246.9                        69109.38          Cash Out Refinance
252709130                                    76800                        76673.47          Cash Out Refinance
252709134                                  56699.1                        56580.66          Cash Out Refinance
252709146                                   306000                       305124.41          Cash Out Refinance
252709184                                   140000                       139876.93          Cash Out Refinance
252709215                                    79800                        79712.49          Cash Out Refinance
252709352                                   250000                       249524.33          Cash Out Refinance
252709358                                   169000                       168887.69          Cash Out Refinance
252808305                                  52318.5                        52200.56          Cash Out Refinance
252808311                                  42400.8                        42347.79          Cash Out Refinance
252808444                                   120000                       119654.45          Cash Out Refinance
252808455                                    72000                        71742.59          Cash Out Refinance
252808550                                   124000                       123411.99          Cash Out Refinance
252808710                                    30859                        30565.83          Cash Out Refinance
252808831                                  74376.3                        74211.59          Cash Out Refinance
252808920                                  52184.2                        52147.62          Cash Out Refinance
252808973                                    53200                        53047.88          Cash Out Refinance
252808975                                   183350                       181805.22          Cash Out Refinance
252808993                                   120000                       119764.11          Cash Out Refinance
252808998                                    95000                        94857.21          Cash Out Refinance
252809011                                    74400                        74247.71          Cash Out Refinance
252809030                                    35000                        34971.44          Cash Out Refinance
252809049                                  95014.5                         93472.1          Rate/Term Refinance
252809056                                   135250                        135119.2          Cash Out Refinance
252809068                                    70000                         69866.8          Cash Out Refinance
252809080                                   122400                       122184.96          Cash Out Refinance
252809085                                  73246.8                        73037.19          Cash Out Refinance
252809170                                    25000                        24985.61          Cash Out Refinance
252809175                                   101000                       100776.68          Cash Out Refinance
252809178                                 72239.05                        72118.53          Rate/Term Refinance
252809191                                  65152.8                        65050.68          Cash Out Refinance
252809209                                    50000                        49910.36          Cash Out Refinance
252809216                                  61146.9                        61019.18          Cash Out Refinance
252809251                                    61600                        61549.26          Cash Out Refinance
252809315                                    50000                        49947.96          Cash Out Refinance
252809316                                   140000                       139196.52          Cash Out Refinance
252809323                                    50000                        49947.96          Cash Out Refinance
252809366                                   100000                        99817.97          Cash Out Refinance
252809451                                    70000                        69964.46          Cash Out Refinance
253004528                                   201000                       200221.96          Rate/Term Refinance
253004530                                    96000                        95709.42          Cash Out Refinance
253004689                                  53003.8                         52823.2          Rate/Term Refinance
253004723                                    94500                        93246.74          Cash Out Refinance
253004757                                   108000                       107588.57          Cash Out Refinance
253004911                                 471812.5                       469409.39          Cash Out Refinance
253005024                                    40000                        39928.14          Cash Out Refinance
253005093                                   140400                       140106.73          Cash Out Refinance
253005113                                   171931                       171571.89          Cash Out Refinance
253005171                                   178000                       177589.11          Rate/Term Refinance
253005176                                    74400                        74262.42          Cash Out Refinance
253005198                                   107200                       106893.25          Cash Out Refinance
253005261                                    38360                        38212.84          Cash Out Refinance
253005289                                   272000                       271353.92          Cash Out Refinance
253005338                                   136800                       136460.96          Cash Out Refinance
253005379                                   293400                       292597.62          Cash Out Refinance
253005409                                    42400                        42343.85          Cash Out Refinance
253005434                                   270000                       269440.59          Purchase
253005439                                   133087                       132860.33          Rate/Term Refinance
253005512                                   160800                       160494.05          Cash Out Refinance
253005530                                  89078.2                        88910.08          Cash Out Refinance
253005590                                 200046.6                       199657.33          Rate/Term Refinance
253005594                                    25000                        24964.71          Cash Out Refinance
253005609                                   215600                       215104.39          Cash Out Refinance
253005660                                   116000                       115779.28          Cash Out Refinance
253005861                                   212000                       211816.79          Cash Out Refinance
253006075                                    37800                        37786.66          Cash Out Refinance
253104391                                  69722.1                        69498.46          Cash Out Refinance
253203467                                  87199.8                        86374.83          Rate/Term Refinance
253203661                                    81441                        81100.84          Rate/Term Refinance
253203935                                   167480                       166849.45          Rate/Term Refinance
253203946                                   132000                       131531.87          Rate/Term Refinance
253204088                                    33000                        32778.91          Cash Out Refinance
253204222                                   190000                       189490.07          Cash Out Refinance
253204300                                   127800                       127446.85          Cash Out Refinance
253204309                                    72000                        71880.23          Cash Out Refinance
253204427                                  67537.1                        67414.73          Cash Out Refinance
253204450                                    41600                        41336.49          Cash Out Refinance
253204611                                   232000                       231558.58          Cash Out Refinance
253204715                                   230000                        229562.4          Cash Out Refinance
253204754                                 245200.2                       244733.65          Cash Out Refinance
253204926                                    32200                        32190.47          Cash Out Refinance
253303578                                   315000                       313997.73          Cash Out Refinance
253303642                                   170000                       169538.21          Cash Out Refinance
253303651                                    37700                         37554.4          Cash Out Refinance
253303652                                   246000                       245319.51          Cash Out Refinance
253303702                                    35000                         34589.4          Cash Out Refinance
253303818                                    46000                        45829.26          Cash Out Refinance
253303846                                    50000                        49850.16          Cash Out Refinance
253303959                                   270000                       269733.33          Cash Out Refinance
253304063                                   125000                       124642.31          Cash Out Refinance
253304133                                   327250                       326559.57          Cash Out Refinance
253304149                                    50000                        49915.34          Cash Out Refinance
253304188                                 141058.5                        140913.2          Cash Out Refinance
253304194                                   105000                       104894.09          Cash Out Refinance
253304269                                   190000                       189638.48          Cash Out Refinance
253304320                                    80750                        80676.72          Cash Out Refinance
253304423                                   331000                       330553.42          Cash Out Refinance
253304467                                   190000                       189765.08          Rate/Term Refinance
253401444                                    21000                        20809.13          Cash Out Refinance
253402434                                   114000                       113594.73          Cash Out Refinance
253402476                                    69700                        69269.78          Rate/Term Refinance
253402667                                   389500                       388273.08          Cash Out Refinance
253402773                                 159011.4                          158856          Cash Out Refinance
253402776                                   141000                       140614.21          Rate/Term Refinance
253402849                                   201225                       200751.22          Cash Out Refinance
253402855                                   199750                       199265.53          Cash Out Refinance
253402864                                   148500                        148313.8          Cash Out Refinance
253402898                                   163200                        163048.7          Cash Out Refinance
253402905                                 118519.3                        118430.8          Rate/Term Refinance
253402918                                    51300                        51212.62          Cash Out Refinance
253503284                                    84800                        84675.91          Cash Out Refinance
253503476                                  59562.6                        59322.12          Cash Out Refinance
253503546                                   131000                       130114.91          Cash Out Refinance
253503827                                   101000                       100805.73          Purchase
253504024                                   313200                       312372.27          Cash Out Refinance
253504036                                   458000                       456810.34          Cash Out Refinance
253504206                                 124558.5                       124321.51          Cash Out Refinance
253504251                                   392999                       392606.74          Cash Out Refinance
253603332                                    35000                        34935.44          Cash Out Refinance
253603370                                    40000                        39137.59          Cash Out Refinance
253603384                                    83000                        82700.29          Purchase
253603491                                    50000                        49821.16          Cash Out Refinance
253603508                                    50000                           49915          Cash Out Refinance
253603544                                    60800                        60631.82          Cash Out Refinance
253603779                                    50000                        49901.77          Cash Out Refinance
253603784                                    54400                        54319.07          Cash Out Refinance
253603811                                   107250                       107122.65          Cash Out Refinance
253603841                                   159200                       158893.34          Cash Out Refinance
253603863                                    90300                        90076.51          Cash Out Refinance
253603871                                    65000                        64355.44          Cash Out Refinance
253603898                                    50000                         49930.6          Cash Out Refinance
253603922                                    62000                        61949.75          Cash Out Refinance
253603965                                    90000                         89892.2          Cash Out Refinance
253603974                                    86250                        86148.31          Cash Out Refinance
253604021                                    80000                        79873.54          Cash Out Refinance
253604091                                    50000                        49907.98          Cash Out Refinance
253604107                                    50000                        49955.57          Cash Out Refinance
253604119                                    69600                        69540.73          Cash Out Refinance
253604151                                    75000                        74965.01          Cash Out Refinance
253704663                                   230000                       228175.36          Cash Out Refinance
253705301                                    50000                        49935.14          Cash Out Refinance
253705354                                    56000                        55876.53          Cash Out Refinance
253705381                                    35000                        34939.76          Cash Out Refinance
253705524                                    58380                        58282.77          Cash Out Refinance
253705575                                 375301.1                       374057.32          Cash Out Refinance
253705590                                   118000                       117850.28          Cash Out Refinance
253705654                                    31000                        30786.29          Cash Out Refinance
253705672                                   320597                       319736.59          Rate/Term Refinance
253705708                                   203019                       202654.94          Cash Out Refinance
253705723                                   311600                       310679.18          Cash Out Refinance
253705852                                    83500                        83255.57          Cash Out Refinance
253705995                                   500000                       499440.22          Rate/Term Refinance
253706019                                    75000                        74907.87          Cash Out Refinance
253706029                                   444548                       443948.23          Cash Out Refinance
253706043                                   239372                       238840.12          Cash Out Refinance
253706061                                   360195                       359779.01          Cash Out Refinance
253706128                                   242000                       241539.56          Cash Out Refinance
253706130                                   152931                       152513.99          Cash Out Refinance
253706168                                 397528.5                       396861.28          Cash Out Refinance
253706176                                   241470                        241231.5          Cash Out Refinance
253706254                                   466842                       466256.63          Rate/Term Refinance
253706508                                 277842.5                       277616.51          Cash Out Refinance
253804826                                    45500                         45110.5          Cash Out Refinance
253804859                                   123480                        123279.1          Cash Out Refinance
253804930                                   145350                       144955.97          Rate/Term Refinance
253805045                                    83000                        82492.96          Cash Out Refinance
253805091                                   635700                       633881.02          Cash Out Refinance
253805098                                 185504.5                       185101.14          Cash Out Refinance
253805116                                   155000                       154757.06          Cash Out Refinance
253805173                                   373000                       372385.51          Cash Out Refinance
253805212                                    58990                        58867.08          Cash Out Refinance
253905227                                    35760                        35418.25          Cash Out Refinance
253905726                                   380000                       378359.24          Cash Out Refinance
253906095                                    56000                        55783.97          Cash Out Refinance
253906159                                   150000                       149610.36          Cash Out Refinance
253906161                                    33400                        33292.65          Cash Out Refinance
253906260                                   274500                       273714.44          Cash Out Refinance
253906311                                   324862                       324391.19          Cash Out Refinance
253906316                                   125000                       124762.16          Cash Out Refinance
254006509                                    63600                        63258.71          Cash Out Refinance
254006566                                   301000                       299749.45          Cash Out Refinance
254006629                                    55000                        54784.26          Cash Out Refinance
254006706                                 320587.5                       319495.29          Rate/Term Refinance
254006813                                 124300.3                       124189.62          Rate/Term Refinance
254006816                                   177078                       176474.68          Cash Out Refinance
254006880                                   200000                       199614.74          Cash Out Refinance
254007034                                    87500                        87257.86          Cash Out Refinance
254007036                                    73600                        73268.78          Rate/Term Refinance
254007056                                    18400                        18331.68          Cash Out Refinance
254007107                                   392000                       391254.16          Rate/Term Refinance
254007126                                    67980                        67793.04          Cash Out Refinance
254007145                                 165651.5                       165348.31          Cash Out Refinance
254007182                                   198000                       197669.67          Cash Out Refinance
254007288                                   346500                       346223.39          Rate/Term Refinance
254007361                                   107000                          106806          Cash Out Refinance
254104528                                   265500                       262500.97          Cash Out Refinance
254106092                                   370000                       368941.96          Rate/Term Refinance
254106264                                   194000                       193550.84          Cash Out Refinance
254106344                                   131750                       131495.78          Rate/Term Refinance
254106386                                 423377.4                        421705.9          Rate/Term Refinance
254106471                                    46000                        45834.27          Cash Out Refinance
254106543                                    96500                        96350.31          Cash Out Refinance
254106553                                    67000                        66740.73          Cash Out Refinance
254106747                                   550000                       549043.74          Cash Out Refinance
254106759                                    55000                        54930.93          Cash Out Refinance
254106783                                   177000                       176708.41          Cash Out Refinance
254106795                                   180000                       179484.93          Cash Out Refinance
254106817                                   260000                       259695.03          Cash Out Refinance
254106908                                   301000                       300427.31          Cash Out Refinance
254106922                                   387000                       386451.94          Cash Out Refinance
254107001                                   220000                       219597.26          Cash Out Refinance
254107065                                   305862                       305358.11          Cash Out Refinance
254107079                                   117000                       116941.22          Purchase
254107085                                   255000                       254514.82          Cash Out Refinance
254205357                                    50000                        49915.81          Cash Out Refinance
254205584                                   523185                       522158.62          Cash Out Refinance
254205672                                   135000                       134895.46          Cash Out Refinance
254205675                                 152434.8                       152043.57          Cash Out Refinance
254205682                                   135000                       134048.73          Cash Out Refinance
254205714                                   172250                       171837.18          Cash Out Refinance
254205739                                   244323                       244037.89          Cash Out Refinance
254205800                                   248750                       248476.66          Cash Out Refinance
254205977                                   468000                          468000          Rate/Term Refinance
254507692                                 311183.6                       309493.46          Cash Out Refinance
254507730                                    35000                        34770.34          Cash Out Refinance
254507798                                   188725                       188291.46          Cash Out Refinance
254508591                                   145000                       144686.13          Rate/Term Refinance
254508653                                    40000                        36858.76          Cash Out Refinance
254508701                                   213750                       213553.94          Cash Out Refinance
254508741                                   241470                       241146.17          Cash Out Refinance
254508744                                 203602.5                        203097.1          Cash Out Refinance
254508786                                    94050                        93843.53          Cash Out Refinance
254508819                                   142000                       141662.34          Cash Out Refinance
254508846                                   100000                        99713.85          Cash Out Refinance
254508891                                    77000                        76922.12          Cash Out Refinance
254508918                                   246715                       246447.15          Cash Out Refinance
254508995                                    52000                        51982.63          Cash Out Refinance
254509008                                   145000                       144734.56          Cash Out Refinance
254509049                                    72500                        72380.79          Cash Out Refinance
254509055                                   140000                       139927.42          Cash Out Refinance
254509109                                 115262.4                       115139.79          Cash Out Refinance
254509147                                    52250                        52228.55          Cash Out Refinance
254509158                                   188725                       188365.91          Cash Out Refinance
254509195                                    70200                        70176.42          Cash Out Refinance
254509259                                   407646                       407165.39          Cash Out Refinance
254509273                                    96150                         96119.6          Cash Out Refinance
254509306                                    60000                        59968.56          Cash Out Refinance
254607022                                   267741                       266716.84          Cash Out Refinance
254607120                                    53800                        53521.08          Rate/Term Refinance
254607148                                 257082.5                       256332.09          Cash Out Refinance
254607240                                    81650                         81495.9          Cash Out Refinance
254607377                                    50000                         49910.4          Cash Out Refinance
254607394                                   226950                       226371.87          Cash Out Refinance
254607409                                   120735                       120477.68          Cash Out Refinance
254607428                                 337685.5                       336504.76          Cash Out Refinance
254607440                                    50000                        49807.37          Cash Out Refinance
254607565                                   432000                       430928.33          Cash Out Refinance
254607591                                   221520                       221348.04          Cash Out Refinance
254607636                                   111500                       111333.62          Cash Out Refinance
254607651                                 347089.4                          346609          Cash Out Refinance
254607690                                    58900                        58867.82          Cash Out Refinance
254607705                                   437500                       437019.25          Cash Out Refinance
254706068                                    35000                        34946.59          Cash Out Refinance
254706292                                    32400                        32345.89          Purchase
254706338                                   237500                       236887.93          Cash Out Refinance
254706413                                   130950                       130712.76          Cash Out Refinance
254706453                                   169029                       168789.42          Cash Out Refinance
254706454                                    40000                        39960.06          Cash Out Refinance
254706506                                   334813                       333854.95          Cash Out Refinance
254706570                                   178000                       176917.07          Cash Out Refinance
254706585                                   248700                       248226.81          Cash Out Refinance
254706601                                   136833                       136649.48          Cash Out Refinance
254706621                                   271250                        270733.9          Cash Out Refinance
254706637                                 164199.6                       163969.39          Cash Out Refinance
254706648                                    65000                        64711.39          Cash Out Refinance
254706662                                   347000                        346339.5          Cash Out Refinance
254706670                                   145320                       145043.49          Cash Out Refinance
254706754                                   155000                       154705.08          Cash Out Refinance
254706829                                 286391.5                       285846.59          Cash Out Refinance
254808619                                    35000                        34196.06          Cash Out Refinance
254809462                                   102570                       102401.22          Cash Out Refinance
254809668                                    65250                        65182.53          Cash Out Refinance
254809798                                    52000                        51936.63          Cash Out Refinance
254809813                                    53000                        52936.93          Cash Out Refinance
254809819                                    60000                        59937.99          Cash Out Refinance
254809837                                    81600                        81450.01          Cash Out Refinance
254809841                                    77350                        77278.33          Cash Out Refinance
254809846                                    50000                           49943          Cash Out Refinance
254809852                                   232000                       231426.13          Cash Out Refinance
254809869                                    50000                         49095.1          Cash Out Refinance
254809880                                    80160                        80096.82          Cash Out Refinance
254809898                                    65000                        64935.79          Cash Out Refinance
254809930                                    50000                        49940.62          Cash Out Refinance
254809942                                    50000                        49909.02          Cash Out Refinance
254810033                                   135200                       135048.62          Cash Out Refinance
254810038                                    50000                        49929.15          Cash Out Refinance
254810285                                    88000                        87950.92          Cash Out Refinance
254908241                                    60000                        59419.23          Cash Out Refinance
254909984                                    39000                        38901.47          Cash Out Refinance
254910211                                    52000                        51927.66          Cash Out Refinance
254910429                                162320.61                        162102.9          Rate/Term Refinance
254910432                                    50000                        49929.65          Cash Out Refinance
254910518                                    56800                         56723.8          Cash Out Refinance
254910539                                    54000                        53927.58          Cash Out Refinance
254910557                                   106720                       106546.59          Cash Out Refinance
254910573                                    91000                        90701.27          Cash Out Refinance
254910639                                    98000                        97820.62          Cash Out Refinance
254910655                                    50000                        49959.04          Cash Out Refinance
254910665                                    88000                        87032.08          Cash Out Refinance
254910775                                    50000                        49959.04          Cash Out Refinance
254911050                                    88000                        87956.71          Cash Out Refinance
255001194                                    46500                        42409.01          Cash Out Refinance
255001356                                    49000                        45286.91          Cash Out Refinance
255001363                                    48750                        47844.67          Cash Out Refinance
255001408                                    43200                         39305.5          Cash Out Refinance
255001426                                    52000                        43644.04          Cash Out Refinance
255102719                                    29250                           28274          Purchase
255103898                                  66755.1                        64695.62          Cash Out Refinance
255103917                                    63200                        53490.21          Cash Out Refinance
255103988                                  41057.1                        38029.96          Cash Out Refinance
255302046                                    37000                        34136.39          Cash Out Refinance
255302275                                    36000                         31535.4          Cash Out Refinance
255302284                                    52000                        38270.86          Cash Out Refinance
255302300                                    39200                        32598.19          Cash Out Refinance
255302601                                 56393.37                        47409.72          Cash Out Refinance
255302749                                    39000                        24445.05          Cash Out Refinance
255316280                                    80000                        79465.41          Cash Out Refinance
255318896                                    76000                        75739.28          Cash Out Refinance
255319032                                   125600                       125321.87          Cash Out Refinance
255319053                                    68000                        67925.62          Cash Out Refinance
255319068                                    50000                        49924.46          Cash Out Refinance
255319090                                    56000                        55903.82          Cash Out Refinance
255319185                                    55000                        54925.61          Cash Out Refinance
255319221                                    81600                        81426.08          Cash Out Refinance
255319294                                   138400                       138260.33          Cash Out Refinance
255319315                                    50000                        49816.92          Cash Out Refinance
255319319                                    50000                        49961.35          Cash Out Refinance
255319328                                    54000                        53807.14          Cash Out Refinance
255319351                                    55500                        55456.25          Cash Out Refinance
255319380                                    90000                         89770.6          Cash Out Refinance
255319402                                   120000                       119907.85          Cash Out Refinance
255319406                                   100000                        99835.24          Cash Out Refinance
255319463                                    67500                        67413.61          Cash Out Refinance
255319590                                   251650                       251373.47          Cash Out Refinance
255401269                                    52500                        51712.41          Cash Out Refinance
255401511                                    44800                        40935.27          Cash Out Refinance
255411430                                    52843                        49416.87          Cash Out Refinance
255412771                                    63375                        63132.72          Cash Out Refinance
255413487                                   100000                        99855.08          Cash Out Refinance
255413576                                    72500                        72432.83          Cash Out Refinance
255413646                                    50000                        49961.25          Cash Out Refinance
255413649                                    60800                         60714.2          Cash Out Refinance
255413717                                    50000                        49916.75          Cash Out Refinance
255413747                                    78400                        77377.11          Cash Out Refinance
255413750                                    50000                        49873.97          Cash Out Refinance
255413752                                  94960.5                        94816.26          Cash Out Refinance
255413771                                    50000                        49356.61          Cash Out Refinance
255413834                                    50000                        49980.01          Cash Out Refinance
255501729                                    46400                        45372.23          Cash Out Refinance
255501783                                    40000                        33874.92          Cash Out Refinance
255501785                                    40000                        34884.91          Cash Out Refinance
255602113                                    37500                        36632.53          Cash Out Refinance
255602269                                    25000                        24264.61          Cash Out Refinance
255602299                                    40000                        31839.84          Cash Out Refinance
255602590                                    64000                        62831.63          Cash Out Refinance
255615155                                   197344                       196262.48          Cash Out Refinance
255615253                                    46200                        46130.31          Cash Out Refinance
255615409                                    59400                        59147.23          Rate/Term Refinance
255615530                                    60000                        59323.45          Cash Out Refinance
255615609                                    66500                           66420          Cash Out Refinance
255615611                                    50000                        49699.66          Cash Out Refinance
255615613                                    87675                        87548.47          Cash Out Refinance
255615691                                    78500                        78126.42          Cash Out Refinance
255615694                                    50000                        49941.77          Cash Out Refinance
255615698                                    60750                        60628.31          Cash Out Refinance
255615731                                   136000                       135768.35          Cash Out Refinance
255615747                                   165000                       164726.02          Rate/Term Refinance
255615754                                   111200                       110924.41          Cash Out Refinance
255615760                                    60000                        59932.11          Cash Out Refinance
255615770                                    50000                        49953.15          Cash Out Refinance
255615779                                    50000                        49918.73          Cash Out Refinance
255615803                                    71000                        70880.29          Cash Out Refinance
255615812                                    68800                        68481.79          Rate/Term Refinance
255615816                                    50000                        49950.61          Cash Out Refinance
255615855                                    76000                        75929.55          Cash Out Refinance
255616068                                   108750                        108707.7          Cash Out Refinance
255616075                                    61000                        60904.53          Cash Out Refinance
255616087                                    84000                        83962.76          Cash Out Refinance
255702407                                 50659.29                        47396.14          Cash Out Refinance
255702452                                    50400                        49327.18          Cash Out Refinance
255702537                                    97600                        93352.36          Cash Out Refinance
255702611                                 67950.19                        66912.68          Cash Out Refinance
255714800                                   232000                       231436.41          Cash Out Refinance
255714807                                    35000                        34950.87          Cash Out Refinance
255715031                                    51200                        51060.14          Cash Out Refinance
255715040                                    51200                         50721.9          Cash Out Refinance
255715122                                    55000                        54406.67          Cash Out Refinance
255715130                                    56000                        55930.81          Cash Out Refinance
255715152                                    50000                        49980.88          Cash Out Refinance
255715178                                    61500                        61416.24          Cash Out Refinance
255715202                                    58500                         58408.3          Cash Out Refinance
255715229                                    57000                        56869.72          Cash Out Refinance
255715230                                   132800                       132681.75          Cash Out Refinance
255715248                                    50000                        49896.24          Cash Out Refinance
255715272                                    50400                        50336.14          Cash Out Refinance
255715284                                   200500                       200118.51          Cash Out Refinance
255715292                                    80960                        80837.01          Cash Out Refinance
255715337                                   143500                       143264.06          Cash Out Refinance
255715477                                    72375                        72307.89          Cash Out Refinance
255800655                                    44800                        44073.79          Cash Out Refinance
255800658                                    43200                         26599.4          Cash Out Refinance
255800724                                    32000                         26456.8          Cash Out Refinance
255800728                                 36235.16                        23704.84          Cash Out Refinance
255800943                                    54400                        50070.56          Cash Out Refinance
255811958                                    63750                         63390.8          Cash Out Refinance
255812457                                    93750                        92472.53          Cash Out Refinance
255812495                                    66800                           66680          Cash Out Refinance
255812505                                    71400                         70919.4          Cash Out Refinance
255812979                                    50000                        49947.17          Cash Out Refinance
255813030                                    50000                        49950.61          Cash Out Refinance
255813042                                    71400                        71319.48          Cash Out Refinance
255813107                                   112500                       112194.37          Cash Out Refinance
255813140                                    50000                        49750.99          Cash Out Refinance
255813161                                   104000                       103898.35          Cash Out Refinance
255813184                                    57750                        57665.69          Cash Out Refinance
255813223                                    60000                        59541.76          Cash Out Refinance
255813249                                    65000                        64694.64          Cash Out Refinance
255813261                                    94640                        94466.34          Cash Out Refinance
255813279                                    82980                        82800.66          Cash Out Refinance
255813285                                    99520                        99149.97          Cash Out Refinance
255813321                                    50000                        49788.42          Cash Out Refinance
255813334                                    50000                        49521.81          Cash Out Refinance
255813358                                    50000                        49765.37          Cash Out Refinance
255813465                                    68700                        68644.38          Cash Out Refinance
255813476                                    70000                        69879.12          Cash Out Refinance
255813481                                165231.27                       164916.25          Cash Out Refinance
255813503                                    89600                        89527.55          Cash Out Refinance
255900826                                    58800                         57625.3          Cash Out Refinance
255901068                                    28500                        23615.53          Purchase
255901133                                 46087.27                        37990.96          Cash Out Refinance
255901140                                 26049.81                        22330.59          Cash Out Refinance
255901167                                 23891.44                        17951.52          Cash Out Refinance
255914085                                   109875                       109629.69          Cash Out Refinance
255914156                                  51513.6                        51089.07          Cash Out Refinance
255914243                                    50000                         49801.5          Cash Out Refinance
255914340                                   114750                       112436.17          Cash Out Refinance
255914341                                    91500                        91464.03          Cash Out Refinance
255914441                                    28400                         28299.2          Cash Out Refinance
255914486                                    65700                        65552.79          Cash Out Refinance
255914552                                    50850                        50642.21          Cash Out Refinance
255914564                                    61600                        61515.35          Cash Out Refinance
255914574                                    55000                        54895.35          Cash Out Refinance
255914584                                    90000                        89900.27          Cash Out Refinance
255914597                                    86000                        85873.21          Cash Out Refinance
255914794                                    73000                        72960.53          Cash Out Refinance
255914939                                    39100                        39084.16          Rate/Term Refinance
255914956                                    50000                         49972.4          Cash Out Refinance
255915082                                    34800                         34764.1          Cash Out Refinance
256100898                                    63000                        61714.08          Cash Out Refinance
256200437                                 54659.45                        53437.15          Cash Out Refinance
256200521                                 64113.97                        62815.34          Cash Out Refinance
256200589                                 34903.32                        29540.74          Cash Out Refinance
256211317                                 61125.35                        60757.86          Rate/Term Refinance
256211764                                   244689                       242455.57          Cash Out Refinance
256211810                                    62550                        62385.95          Rate/Term Refinance
256211814                                   201400                       200901.84          Rate/Term Refinance
256211853                                   140250                       139899.65          Cash Out Refinance
256211871                                   116975                       116745.05          Cash Out Refinance
256211872                                    94039                        93914.91          Cash Out Refinance
256211881                                    67500                         67135.3          Cash Out Refinance
256211910                                 121256.6                        120962.5          Rate/Term Refinance
256211928                                    51294                        51205.13          Cash Out Refinance
256211929                                   132600                       132352.52          Cash Out Refinance
256212002                                  68416.5                        68301.76          Rate/Term Refinance
256212045                                  60367.5                         60283.2          Cash Out Refinance
256412685                                    87200                        87036.98          Purchase
256412744                                    63920                        63670.19          Purchase
256412760                                    25120                        25086.49          Purchase
256412987                                    15980                         15961.7          Purchase
256412998                                   135800                       135561.43          Purchase
256413045                                    15000                        14976.84          Cash Out Refinance
256413110                                    87200                        86965.97          Purchase
256413116                                  88909.6                         88667.5          Rate/Term Refinance
256413119                                    55000                        54878.21          Cash Out Refinance
256413141                                    35000                        34884.28          Cash Out Refinance
256413289                                    21800                        21701.39          Purchase
256413320                                    21800                        21785.57          Purchase
256413423                                    90000                        89798.32          Cash Out Refinance
256413432                                   135882                       135650.56          Rate/Term Refinance
256413511                                    17000                        16974.87          Cash Out Refinance
256413572                                   123200                       122993.41          Rate/Term Refinance
256413603                                    69200                         69107.4          Rate/Term Refinance
256413641                                    66000                        65835.47          Cash Out Refinance
256413647                                    63450                        63356.92          Cash Out Refinance
256413667                                 102210.5                       102109.85          Cash Out Refinance
256413674                                 105152.7                       105014.59          Cash Out Refinance
256413695                                   114300                       114163.83          Cash Out Refinance
256413707                                  86813.5                         86718.1          Cash Out Refinance
256413723                                    99920                        99757.32          Purchase
256413729                                    76000                        75889.07          Rate/Term Refinance
256413799                                   140000                       139769.35          Rate/Term Refinance
256607981                                   426000                       423278.15          Rate/Term Refinance
256608494                                   139500                       138868.69          Purchase
256608530                                    95700                        95267.73          Cash Out Refinance
256608920                                   178100                       177770.66          Cash Out Refinance
256608969                                 112207.6                       112066.91          Cash Out Refinance
256609149                                   340000                       339626.38          Cash Out Refinance
256609177                                    66000                        65940.72          Cash Out Refinance
256609188                                  82473.3                        82406.03          Rate/Term Refinance
256609300                                   151981                       151691.83          Cash Out Refinance
256609369                                    35000                        34971.56          Cash Out Refinance
256708543                                   125000                       124670.91          Cash Out Refinance
256708572                                 171362.3                       170846.44          Cash Out Refinance
256708693                                   105000                       103545.39          Cash Out Refinance
256708701                                   134700                          133884          Cash Out Refinance
256708710                                   316313                       315145.24          Cash Out Refinance
256708791                                 242274.9                       241491.66          Cash Out Refinance
256708825                                    85000                        84774.16          Cash Out Refinance
256708849                                 132107.5                       131729.54          Cash Out Refinance
256708980                                    38700                        38650.36          Cash Out Refinance
256709052                                 411729.5                       411035.49          Cash Out Refinance
256709088                                   508000                        506574.1          Rate/Term Refinance
256709142                                   177054                       176877.27          Cash Out Refinance
256709144                                    90200                        90079.29          Cash Out Refinance
256709199                                   180980                       180651.89          Cash Out Refinance
256709209                                   249519                       248899.97          Cash Out Refinance
256709241                                   269500                       269086.54          Cash Out Refinance
256709282                                 283087.5                       282853.15          Cash Out Refinance
256807639                                    91100                        90828.54          Rate/Term Refinance
256807672                                    50000                        49689.01          Cash Out Refinance
256808025                                   111465                       110871.17          Purchase
256907713                                    98137                        97867.71          Cash Out Refinance
256907742                                   186798                       186279.02          Rate/Term Refinance
256908010                                   122250                        121991.3          Cash Out Refinance
256908257                                   171500                        171368.3          Cash Out Refinance
256908283                                    58500                        58447.06          Cash Out Refinance
256908353                                    50000                        49901.77          Cash Out Refinance
256908407                                    50000                        49981.42          Cash Out Refinance
257008107                                    43800                        43600.04          Cash Out Refinance
257008154                                    50000                        49753.49          Cash Out Refinance
257008171                                   364500                       363060.95          Rate/Term Refinance
257008341                                   100000                        99809.73          Cash Out Refinance
257008455                                   297350                       296613.04          Cash Out Refinance
257008470                                    55000                        54888.31          Cash Out Refinance
257008647                                   176715                       176536.06          Cash Out Refinance
257008681                                   141000                       140837.16          Cash Out Refinance
257008843                                 159866.3                       159576.46          Cash Out Refinance
257108547                                    50000                        49827.34          Cash Out Refinance
257109253                                   194750                       194242.77          Cash Out Refinance
257109334                                   145000                       144690.09          Cash Out Refinance
257109374                                 100095.8                        99929.33          Cash Out Refinance
257109530                                   184500                       184065.59          Cash Out Refinance
257109547                                   260500                        259655.1          Cash Out Refinance
257109688                                   311000                       310230.73          Cash Out Refinance
257109755                                 117718.3                       117570.69          Cash Out Refinance
257109764                                   199500                       199283.49          Cash Out Refinance
257109776                                 156446.7                       156241.47          Cash Out Refinance
257109794                                   225000                       224752.75          Cash Out Refinance
257109812                                   220000                       218678.59          Cash Out Refinance
257109827                                 106007.6                       105912.41          Cash Out Refinance
257109858                                   204000                       203766.83          Cash Out Refinance
257109907                                   113235                       113131.14          Cash Out Refinance
257109931                                   212500                        212310.8          Rate/Term Refinance
257110246                                   177078                       176999.49          Cash Out Refinance
257110270                                    66000                        65980.47          Cash Out Refinance
257110289                                   234019                       233932.22          Cash Out Refinance
257207431                                   427450                       426718.98          Rate/Term Refinance
257207467                                  67670.4                        67568.42          Cash Out Refinance
257207477                                   454750                       453665.75          Cash Out Refinance
257207558                                   265617                       264959.99          Cash Out Refinance
257207656                                   297000                       296636.43          Cash Out Refinance
257207660                                    83500                        83173.91          Cash Out Refinance
257207676                                 237445.5                       237171.27          Cash Out Refinance
257207677                                   148000                       147633.19          Cash Out Refinance
257207680                                   117900                       117720.92          Cash Out Refinance
257207691                                   211250                       210952.89          Cash Out Refinance
257207718                                 261592.5                       261359.59          Cash Out Refinance
257207935                                   400000                       399560.46          Cash Out Refinance
257405457                                    60000                        59874.12          Cash Out Refinance
257405727                                   100000                        99851.25          Cash Out Refinance
257405737                                    50000                        49919.85          Cash Out Refinance
257405767                                    68000                        67919.26          Cash Out Refinance
257405778                                   116000                       115808.08          Cash Out Refinance
257405802                                    62400                        61845.77          Cash Out Refinance
257405808                                    58000                        57932.44          Cash Out Refinance
257405847                                   226500                       225906.18          Rate/Term Refinance
257405853                                  58127.3                        58043.66          Cash Out Refinance
257405903                                    85000                        84884.39          Cash Out Refinance
257405931                                   278500                        277970.1          Cash Out Refinance
257506048                                    35000                        34910.69          Cash Out Refinance
257506093                                   168000                       167261.71          Cash Out Refinance
257506287                                    65000                        64762.93          Cash Out Refinance
257506334                                    67900                        67715.57          Cash Out Refinance
257506451                                    40000                        39923.37          Cash Out Refinance
257506585                                    50000                        49620.62          Cash Out Refinance
257506597                                    60990                        60879.54          Cash Out Refinance
257506650                                    86400                        86215.85          Cash Out Refinance
257506662                                    70000                        69896.53          Rate/Term Refinance
257506686                                    72000                         71712.8          Cash Out Refinance
257506743                                   136000                       135743.31          Cash Out Refinance
257506831                                    50000                        49887.97          Cash Out Refinance
257506852                                    75300                         75142.7          Cash Out Refinance
257506888                                   100000                        99851.25          Cash Out Refinance
257506934                                    91000                        90733.54          Rate/Term Refinance
257506952                                    63000                        62947.77          Cash Out Refinance
257506964                                 135564.3                       135362.67          Cash Out Refinance
257507000                                    61600                        61459.21          Cash Out Refinance
257507023                                    50000                        49900.69          Cash Out Refinance
257507042                                    74000                        73803.98          Cash Out Refinance
257507102                                    50000                        49959.21          Cash Out Refinance
257507106                                    60000                        59549.32          Cash Out Refinance
257507129                                    50000                        49959.21          Cash Out Refinance
257507154                                    67500                        67473.18          Cash Out Refinance
257507169                                    70000                        69888.25          Cash Out Refinance
257507495                                    81200                        81166.67          Cash Out Refinance
257606435                                    84000                        83298.49          Cash Out Refinance
257606745                                    25800                        25711.14          Cash Out Refinance
257606832                                   112000                       111796.95          Rate/Term Refinance
257606979                                 75258.15                        75153.69          Cash Out Refinance
257607220                                    60392                         60357.6          Rate/Term Refinance
257702853                                 146187.9                       145580.48          Cash Out Refinance
257702975                                 283087.5                       282149.32          Cash Out Refinance
257702985                                 101911.5                       101648.33          Cash Out Refinance
257703004                                    75000                        74742.11          Cash Out Refinance
257703021                                   151000                       150648.66          Cash Out Refinance
257703024                                    45000                        44759.79          Cash Out Refinance
257703090                                   160000                       159520.53          Cash Out Refinance
257703178                                    50000                        49936.52          Cash Out Refinance
257703183                                   372000                       371199.23          Cash Out Refinance
257703217                                    60000                        59950.53          Cash Out Refinance
257703267                                   313911                       313103.52          Cash Out Refinance
257703287                                   429165                        427983.4          Cash Out Refinance
257703307                                 379575.6                       378499.88          Cash Out Refinance
257703317                                    40000                         39605.4          Cash Out Refinance
257703343                                   384678                       383545.66          Cash Out Refinance
257703358                                   486381                       485819.28          Cash Out Refinance
257703359                                   265600                       265094.65          Rate/Term Refinance
257703373                                   418901                        418126.7          Cash Out Refinance
257703428                                   379899                       379176.18          Cash Out Refinance
257804265                                    58950                        58602.71          Cash Out Refinance
257804376                                    52734                        52658.67          Cash Out Refinance
257804498                                   165000                       164522.26          Cash Out Refinance
257804577                                   239666                       239209.01          Cash Out Refinance
257804597                                    35000                        34840.25          Cash Out Refinance
257804663                                    57925                        57674.23          Cash Out Refinance
257804693                                    38000                        37820.81          Cash Out Refinance
257804739                                   165087                        164775.9          Rate/Term Refinance
257804800                                   136790                       136552.17          Cash Out Refinance
257804877                                   303500                       302631.55          Cash Out Refinance
257804886                                 120029.1                       119829.78          Cash Out Refinance
257804912                                   249519                       249162.06          Rate/Term Refinance
257804916                                   172850                       172355.41          Cash Out Refinance
257804931                                   225000                       224596.03          Cash Out Refinance
257804986                                   140000                       139738.69          Rate/Term Refinance
257805007                                  88112.5                         87940.7          Cash Out Refinance
257805018                                   140000                        139670.3          Cash Out Refinance
257805081                                   252000                       251520.53          Rate/Term Refinance
257805098                                   152931                       152808.92          Cash Out Refinance
257805126                                   262421                        261954.4          Cash Out Refinance
257805148                                   226225                       225798.69          Cash Out Refinance
257805161                                   230000                       229561.36          Cash Out Refinance
257805282                                    73000                        72974.53          Cash Out Refinance
257805344                                 272713.1                       272500.35          Cash Out Refinance
257805364                                    44000                        43985.14          Cash Out Refinance
257902953                                   208000                       207103.33          Rate/Term Refinance
257903486                                    40000                        39817.43          Cash Out Refinance
257903626                                    44350                        44204.74          Cash Out Refinance
257903698                                   611200                       609958.96          Cash Out Refinance
257903826                                   188000                       187574.57          Rate/Term Refinance
257903852                                   131220                       131068.45          Cash Out Refinance
257903872                                    60000                        59691.56          Cash Out Refinance
257903924                                   336000                       335595.62          Cash Out Refinance
257903993                                   590000                       587965.59          Cash Out Refinance
257904015                                   217400                       217176.08          Rate/Term Refinance
258000175                                   209200                       209133.25          Purchase
258000199                                   134480                       133989.42          Purchase
258000208                                   160720                       160719.86          Purchase
258000212                                   399120                          399120          Purchase
258000214                                    74800                           74800          Purchase
258000219                                    18700                        18666.42          Purchase
258000225                                   153520                       152824.59          Purchase
258000227                                   231920                       231919.99          Purchase
258000243                                    52200                        52175.65          Purchase
258100378                                 66647.88                        64626.91          Rate/Term Refinance
258100389                                    49450                         47804.8          Cash Out Refinance
258100563                                 43858.41                        36367.32          Cash Out Refinance
258113822                                   112800                       112563.36          Cash Out Refinance
258114653                                   152000                       151609.29          Cash Out Refinance
258200365                                    35500                        28500.69          Cash Out Refinance
258200574                                 27999.44                        23183.88          Cash Out Refinance
258215001                                    43029                        42941.04          Cash Out Refinance
258215246                                    30000                        29886.39          Cash Out Refinance
258215331                                    38390                        38266.52          Cash Out Refinance
258215341                                   108000                       107821.31          Cash Out Refinance
258215488                                    50000                        49902.71          Cash Out Refinance
258215531                                    66400                        66312.24          Cash Out Refinance
258215555                                    60000                        59918.39          Cash Out Refinance
258215602                                    50000                        49875.08          Cash Out Refinance
258215625                                 139656.5                       139390.79          Cash Out Refinance
258215646                                    50000                        49932.66          Cash Out Refinance
258215669                                   225450                       224919.17          Cash Out Refinance
258215682                                    50000                        49937.94          Cash Out Refinance
258215765                                 128495.8                       128260.59          Cash Out Refinance
258215794                                   168000                        167695.1          Cash Out Refinance
258215815                                    45000                        44953.15          Cash Out Refinance
258216114                                    38000                        37990.49          Cash Out Refinance
258216131                                   241000                       240856.98          Cash Out Refinance
258216142                                    43100                        43085.44          Rate/Term Refinance
258303218                                    85137                         84426.8          Cash Out Refinance
258304239                                    50000                         49812.5          Cash Out Refinance
258304756                                   135735                       135239.12          Rate/Term Refinance
258304905                                    15100                        15034.16          Cash Out Refinance
258304940                                   112054                       111638.64          Cash Out Refinance
258304973                                    30000                        29956.18          Cash Out Refinance
258305149                                 390376.5                       389708.94          Rate/Term Refinance
258305208                                   200800                        200327.2          Cash Out Refinance
258305211                                    38000                        37905.83          Rate/Term Refinance
258305237                                   350500                       349988.45          Cash Out Refinance
258305288                                    68392                        68005.27          Cash Out Refinance
258305293                                   586400                       584722.09          Rate/Term Refinance
258305305                                    81300                        81222.21          Cash Out Refinance
258305322                                 163058.4                       162879.21          Cash Out Refinance
258305335                                   153180                       152915.48          Cash Out Refinance
258305336                                   171500                       171145.36          Cash Out Refinance
258305360                                 275827.5                       275209.53          Cash Out Refinance
258305361                                   299215                       298814.57          Rate/Term Refinance
258305387                                 301837.5                       301339.15          Cash Out Refinance
258305404                                 174663.3                       174375.55          Cash Out Refinance
258305407                                 220542.6                       220268.32          Cash Out Refinance
258305434                                 212651.5                        212298.4          Cash Out Refinance
258305460                                    98000                        97815.32          Cash Out Refinance
258305524                                   396500                        395745.6          Cash Out Refinance
258305596                                    85644                        85577.22          Cash Out Refinance
258305714                                 147960.4                       147883.69          Cash Out Refinance
258305788                                   421727                       421496.63          Cash Out Refinance
258415703                                   183200                       182813.36          Cash Out Refinance
258415854                                  50439.1                        50210.94          Cash Out Refinance
258415863                                    50427                        50318.26          Cash Out Refinance
258415935                                    61000                        56547.13          Cash Out Refinance
258415991                                  56617.5                        56481.81          Cash Out Refinance
258416115                                  62909.6                        62795.78          Cash Out Refinance
258416194                                 277842.5                       276688.14          Cash Out Refinance
258416204                                    48800                        48717.94          Cash Out Refinance
258416225                                    70000                        69794.35          Cash Out Refinance
258416237                                    30000                        29890.02          Cash Out Refinance
258416263                                 184222.1                       183670.06          Cash Out Refinance
258416339                                    35000                        34941.76          Cash Out Refinance
258416342                                    22200                        22079.44          Cash Out Refinance
258416361                                    39999                        39620.39          Cash Out Refinance
258416490                                    88000                        87867.72          Cash Out Refinance
258416525                                    54400                        54248.76          Cash Out Refinance
258416535                                    72000                        71821.55          Rate/Term Refinance
258416536                                 129089.9                       128827.77          Cash Out Refinance
258416551                                 50200.85                        50163.68          Cash Out Refinance
258416558                                  86813.5                        86637.19          Cash Out Refinance
258416692                                   301960                       301462.53          Cash Out Refinance
258416728                                    87760                        87676.02          Cash Out Refinance
258416742                                    19600                        19548.95          Cash Out Refinance
258416746                                 60973.85                        60924.64          Cash Out Refinance
258416789                                 99118.37                        98850.17          Cash Out Refinance
258416796                                   140000                       138631.74          Cash Out Refinance
258416816                                 299521.9                        298748.4          Rate/Term Refinance
258416897                                   151200                       150948.94          Rate/Term Refinance
258416950                                 89337.05                        89072.99          Cash Out Refinance
258416952                                   256470                       256214.02          Rate/Term Refinance
258416973                                    68750                        68622.92          Cash Out Refinance
258417033                                 63065.77                           62960          Rate/Term Refinance
258417039                                 145695.7                       145477.24          Cash Out Refinance
258417160                                   112000                       111786.89          Rate/Term Refinance
258500923                                 19272.77                        18839.72          Cash Out Refinance
258501098                                    50800                        49786.05          Cash Out Refinance
258501145                                 58746.36                        57231.39          Rate/Term Refinance
258501284                                 77656.42                        64551.24          Cash Out Refinance
258501457                                 67056.47                        64844.05          Cash Out Refinance
258517250                                    61172                        61083.12          Cash Out Refinance
258517266                                   111000                       110607.33          Cash Out Refinance
258517358                                   270000                        269479.9          Purchase
258517363                                    58000                        57745.58          Cash Out Refinance
258517523                                   123300                       123073.85          Cash Out Refinance
258517538                                   330846                       330168.76          Cash Out Refinance
258517555                                   121500                        121184.4          Cash Out Refinance
258517568                                   359000                       358458.13          Rate/Term Refinance
258517600                                   225600                       225170.77          Cash Out Refinance
258517635                                   145000                       144775.32          Cash Out Refinance
258517668                                   218519                       218296.27          Cash Out Refinance
258517681                                    50000                        49939.83          Cash Out Refinance
258517693                                    50000                        49944.02          Cash Out Refinance
258517727                                   112100                        112076.8          Cash Out Refinance
258517748                                   149200                       149058.99          Rate/Term Refinance
258517888                                   115500                       115443.78          Cash Out Refinance
258609029                                    35000                        34563.61          Cash Out Refinance
258609034                                    87400                        87165.08          Cash Out Refinance
258609060                                   200000                       199360.02          Cash Out Refinance
258609330                                    50000                        49962.05          Cash Out Refinance
258609443                                   193500                       193070.76          Cash Out Refinance
258609502                                    53000                        52811.68          Rate/Term Refinance
258609514                                   203000                       202451.77          Cash Out Refinance
258609530                                   197200                       196949.77          Cash Out Refinance
258609551                                    50000                        49945.89          Cash Out Refinance
258609559                                   120600                       120374.92          Cash Out Refinance
258609570                                 126823.2                       126477.38          Cash Out Refinance
258609595                                 108554.6                       108336.78          Cash Out Refinance
258609596                                176166.65                       176027.52          Cash Out Refinance
258609600                                 114017.4                       113836.81          Cash Out Refinance
258609604                                    50000                        49958.76          Cash Out Refinance
258609625                                  89764.5                        89673.96          Cash Out Refinance
258609661                                   170500                       170292.69          Cash Out Refinance
258609696                                 111991.9                       111902.21          Cash Out Refinance
258609726                                 134372.2                       134208.66          Cash Out Refinance
258609765                                   352500                       352088.34          Cash Out Refinance
258609784                                   120784                       120645.93          Cash Out Refinance
258609833                                    50001                        49923.92          Cash Out Refinance
258609907                                    50000                        49975.92          Cash Out Refinance
258710619                                   158700                        158109.5          Cash Out Refinance
258710976                                   231000                       230330.22          Cash Out Refinance
258711010                                   292000                       291303.28          Rate/Term Refinance
258711030                                   140000                       139637.22          Rate/Term Refinance
258800906                                 39602.89                        38523.25          Cash Out Refinance
258815332                                  79264.5                         79092.5          Cash Out Refinance
258815480                                    85500                        85169.01          Cash Out Refinance
258815684                                   130000                       129557.99          Cash Out Refinance
258815924                                   197600                       197036.69          Rate/Term Refinance
258816025                                   116500                       116231.61          Rate/Term Refinance
258816131                                  58818.5                        58739.62          Rate/Term Refinance
258816132                                 457469.4                       456201.45          Cash Out Refinance
258816157                                    38800                        38483.08          Cash Out Refinance
258816261                                    58800                        58273.16          Cash Out Refinance
258816274                                   108000                       107821.67          Cash Out Refinance
258816358                                 79078.25                        78943.82          Cash Out Refinance
258816415                                   324000                       323528.13          Cash Out Refinance
258816446                                  76086.1                        75970.52          Cash Out Refinance
258816468                                    58500                        58420.42          Cash Out Refinance
258816473                                   156000                       155864.97          Cash Out Refinance
258816479                                   157500                       157200.32          Cash Out Refinance
258816480                                   171000                       170852.85          Cash Out Refinance
258816510                                 135340.8                       135169.51          Cash Out Refinance
258816549                                   446400                       445574.89          Cash Out Refinance
258816564                                 210060.2                       209836.93          Cash Out Refinance
258816586                                   113900                       113644.73          Cash Out Refinance
258816612                                   205176                       204785.61          Cash Out Refinance
258816742                                   211000                       210656.47          Cash Out Refinance
258900157                                    77250                        75936.44          Cash Out Refinance
258913648                                    44700                        44188.41          Cash Out Refinance
258913975                                   275000                        273922.3          Cash Out Refinance
258914663                                    82500                         82299.5          Cash Out Refinance
258914721                                    89840                        89608.47          Cash Out Refinance
258914763                                   113900                        113420.9          Rate/Term Refinance
258914785                                    83000                        82861.93          Rate/Term Refinance
258914846                                  70101.8                        69942.01          Cash Out Refinance
258914932                                   339300                       338313.66          Cash Out Refinance
258914941                                    58000                         57951.9          Cash Out Refinance
258914975                                    35000                        34942.08          Cash Out Refinance
258914990                                   165750                        165389.6          Cash Out Refinance
258915062                                  95014.5                        94879.81          Rate/Term Refinance
258915070                                    50900                        50615.09          Cash Out Refinance
258915089                                   119686                       119389.35          Rate/Term Refinance
258915143                                   107000                       106802.21          Cash Out Refinance
258915146                                   283040                       282658.12          Cash Out Refinance
258915160                                    66000                        65270.83          Cash Out Refinance
258915191                                  70026.3                        69962.58          Rate/Term Refinance
258915205                                   253800                       253538.57          Cash Out Refinance
258915243                                   143850                       143576.31          Cash Out Refinance
258915244                                 161576.1                       161366.79          Cash Out Refinance
258915286                                   102850                       102780.84          Purchase
259006548                                    34100                        33978.47          Purchase
259007489                                   155400                       154298.38          Purchase
259007838                                    33000                         32945.3          Rate/Term Refinance
259007845                                   174000                       173472.92          Cash Out Refinance
259007857                                   331500                       330567.59          Cash Out Refinance
259007863                                    25000                        24864.09          Cash Out Refinance
259007873                                    98800                        97644.13          Rate/Term Refinance
259007884                                   134900                       134324.06          Cash Out Refinance
259007895                                    70100                        69871.08          Cash Out Refinance
259007896                                    95120                        94649.94          Purchase
259007904                                   186648                       185259.06          Purchase
259007914                                   219500                       218445.71          Cash Out Refinance
259007919                                   157250                       156699.03          Cash Out Refinance
259007946                                   150100                       149688.99          Rate/Term Refinance
259007966                                   251750                       251025.13          Cash Out Refinance
259007972                                   360000                       358971.71          Cash Out Refinance
259007978                                   165000                       164625.88          Rate/Term Refinance
259007983                                   150000                       149758.39          Cash Out Refinance
259007988                                    68800                        68611.62          Purchase
259007992                                   352500                        351690.7          Rate/Term Refinance
259008003                                   128100                       127894.99          Cash Out Refinance
259008020                                   179550                       179012.25          Cash Out Refinance
259008025                                   144000                       143454.44          Purchase
259008031                                   116800                       116525.01          Purchase
259008034                                   172500                       172214.02          Cash Out Refinance
259008036                                   199500                       199083.32          Rate/Term Refinance
259008041                                   318750                       318193.51          Rate/Term Refinance
259008064                                   420000                       418865.14          Cash Out Refinance
259008067                                   160000                       159074.73          Purchase
259008077                                   324000                          324000          Rate/Term Refinance
259008080                                   238000                       237541.59          Rate/Term Refinance
259008098                                    45600                        45479.96          Purchase
259008101                                   209000                       208554.16          Cash Out Refinance
259008122                                    85000                        84831.65          Cash Out Refinance
259008127                                    92225                         92073.5          Cash Out Refinance
259008140                                   196000                       195612.74          Cash Out Refinance
259008143                                   109600                       109354.03          Cash Out Refinance
259008144                                   320000                       319354.81          Cash Out Refinance
259008165                                   105675                       105513.63          Cash Out Refinance
259008188                                   205000                       204750.79          Cash Out Refinance
259008190                                   232750                       232377.68          Cash Out Refinance
259008192                                   100400                       100085.42          Purchase
259008195                                    85000                        84313.67          Cash Out Refinance
259008196                                   243000                        242659.4          Cash Out Refinance
259008200                                   134400                       134088.21          Cash Out Refinance
259008207                                   175750                       175453.75          Cash Out Refinance
259008245                                   148000                       147763.76          Cash Out Refinance
259008247                                    85500                        85393.89          Cash Out Refinance
259008264                                   164050                       163777.73          Cash Out Refinance
259008266                                   128000                       127736.65          Purchase
259008285                                    64800                        64568.93          Purchase
259008286                                   136000                       135437.15          Cash Out Refinance
259008300                                   270000                       269632.77          Cash Out Refinance
259008302                                    70000                        69952.11          Cash Out Refinance
259008303                                   108000                       107833.34          Cash Out Refinance
259008310                                   320000                       319568.26          Rate/Term Refinance
259008316                                   499999                       499305.05          Cash Out Refinance
259008326                                   337500                       336847.27          Cash Out Refinance
259008328                                    50000                        49942.85          Rate/Term Refinance
259008355                                    47900                        47699.88          Purchase
259008361                                    35000                        34977.53          Cash Out Refinance
259008372                                    42600                        42586.57          Rate/Term Refinance
259008374                                    55000                        54962.27          Cash Out Refinance
259008388                                    50000                        49858.52          Cash Out Refinance
259008400                                   101300                       101227.05          Cash Out Refinance
259008402                                    60000                        59977.65          Rate/Term Refinance
259008413                                    35000                        34966.26          Cash Out Refinance
259008415                                   166500                       166359.25          Cash Out Refinance
259105881                                    16990                        16788.19          Purchase
259106090                                    32320                        32027.18          Purchase
259106127                                   128800                       128200.37          Purchase
259106379                                    32200                        31984.65          Purchase
259106404                                    47700                        47532.28          Purchase
259106423                                    51300                        51121.78          Purchase
259106451                                    94500                        94178.04          Purchase
259106480                                     5700                         5670.54          Purchase
259106499                                    76000                         75669.1          Purchase
259106502                                   209950                       209271.33          Purchase
259106520                                    15800                        15700.78          Purchase
259106527                                     6000                         5962.51          Purchase
259106534                                    36800                        36668.45          Purchase
259106538                                   126000                       125181.55          Purchase
259106562                                     5000                         4959.62          Purchase
259106566                                     8290                         8226.89          Purchase
259106569                                  12220.3                        12117.39          Purchase
259106570                                    50400                        50252.87          Purchase
259106582                                 128505.6                       128167.29          Purchase
259106589                                     7200                         6830.25          Purchase
259106608                                     7750                         7705.89          Purchase
259106611                                    18200                         9234.89          Purchase
259106617                                    14000                        13726.93          Purchase
259106618                                     6910                         6866.61          Purchase
259106622                                    19000                        18872.63          Purchase
259106634                                    13900                        13794.19          Purchase
259106645                                     9200                          9140.3          Purchase
259106649                                     8200                         8132.75          Purchase
259106666                                     5000                          4968.8          Purchase
259106671                                    35000                        34874.85          Purchase
259106676                                     7490                            7406          Purchase
259106689                                    35550                        35448.61          Purchase
259106691                                    88245                         87896.6          Purchase
259106702                                    55120                        54867.63          Purchase
259106704                                     7500                          7455.8          Purchase
259106705                                     9805                         9735.01          Purchase
259106707                                     8100                         8055.29          Purchase
259106712                                    77600                        77219.82          Purchase
259106719                                    18000                        17786.86          Purchase
259106721                                    45600                        45403.75          Purchase
259106725                                    14100                         14016.9          Purchase
259106730                                     8990                         8936.73          Purchase
259106733                                    82350                        82121.19          Purchase
259106743                                    37575                        37500.15          Purchase
259106745                                     9490                         9378.61          Purchase
259106747                                    13780                        13687.62          Purchase
259106760                                    12400                        12323.12          Purchase
259106771                                    12490                        12340.19          Purchase
259106773                                    10300                        10244.99          Purchase
259106781                                    14700                         14608.3          Purchase
259106783                                    28400                        28222.83          Purchase
259106791                                     9200                          9142.2          Purchase
259106801                                    21800                        21634.08          Purchase
259106804                                    12490                        12415.51          Purchase
259106815                                     9650                          9585.7          Purchase
259106817                                    48800                        48623.74          Purchase
259106819                                    11400                        11332.79          Purchase
259106838                                    47700                        47593.12          Purchase
259106839                                   142000                       141456.83          Purchase
259106843                                    54000                         53886.7          Purchase
259106857                                    12100                        11913.23          Purchase
259106871                                     5000                         4973.33          Purchase
259106878                                    35500                        35277.12          Purchase
259106882                                    13790                        13655.08          Purchase
259106906                                   142400                        141905.4          Purchase
259106907                                     7200                         7159.26          Purchase
259106913                                    98400                        97978.19          Purchase
259106914                                    24600                        24499.05          Purchase
259106925                                    33000                        32800.13          Purchase
259106933                                    12290                        12191.94          Purchase
259106942                                     6450                         6389.29          Purchase
259106945                                     5000                         4982.51          Purchase
259106951                                    15001                        14935.18          Purchase
259106954                                     7490                         7154.88          Purchase
259106958                                     5690                         5659.58          Purchase
259106963                                   116100                       115594.99          Purchase
259106965                                     6990                         6927.65          Purchase
259106971                                    12200                        12139.76          Purchase
259106991                                    66400                        66237.37          Purchase
259107002                                     5000                         4975.76          Purchase
259107015                                    35600                        35443.84          Purchase
259107018                                    47900                        47788.55          Purchase
259107037                                    54000                         53884.9          Purchase
259107041                                     5000                         4982.48          Purchase
259107048                                   141200                       140670.15          Purchase
259107049                                    35300                         35144.1          Purchase
259107052                                    67500                        67281.05          Purchase
259107054                                   132000                       131540.84          Purchase
259107055                                     5570                         5547.08          Purchase
259107056                                    13800                        13725.07          Purchase
259107058                                    33000                        32698.72          Purchase
259107065                                    15001                        14925.98          Purchase
259107066                                     8150                         8083.66          Purchase
259107067                                    22500                        22379.98          Purchase
259107077                                    32000                        31911.97          Purchase
259107080                                    16000                        15919.96          Purchase
259107107                                   150000                       149776.88          Purchase
259107117                                    47700                        47612.16          Purchase
259107119                                    27200                        27154.97          Purchase
259107123                                     9850                         9798.45          Purchase
259107127                                     6000                         5976.04          Purchase
259107128                                    39610                        39576.53          Purchase
259107133                                    40000                        39783.23          Purchase
259107135                                   202050                       201525.15          Purchase
259107143                                    97750                        97448.11          Purchase
259107148                                     6900                         6416.04          Purchase
259107154                                    37800                        37727.19          Purchase
259107168                                    67410                        67300.97          Purchase
259107170                                   104400                        104212.4          Purchase
259107172                                    11500                        11441.75          Purchase
259107181                                     5000                          4982.4          Purchase
259107188                                   107910                       107618.58          Purchase
259107201                                    85500                        85154.56          Purchase
259107211                                    41400                        41275.23          Purchase
259107220                                    39200                        39116.45          Purchase
259107224                                    56700                        56597.43          Purchase
259107228                                    67417                        67233.15          Purchase
259107229                                    16855                        16792.28          Purchase
259107236                                    92700                        92502.43          Purchase
259107240                                    45900                        45803.13          Purchase
259107244                                    26950                        26854.48          Purchase
259107254                                    54400                         54247.3          Purchase
259107260                                    67500                        67383.43          Purchase
259107270                                    88650                        88469.97          Purchase
259107274                                     5100                         5084.37          Purchase
259107277                                     7500                         7466.03          Purchase
259107286                                     9850                         9819.01          Purchase
259107297                                    64000                        63809.98          Purchase
259107298                                    62910                        62775.92          Purchase
259107299                                    54400                        54297.47          Purchase
259107307                                    74400                        74191.15          Purchase
259107311                                    37900                        37848.85          Purchase
259107315                                    49500                         49377.3          Purchase
259107316                                    36900                        36815.95          Purchase
259107323                                   135000                       134669.79          Purchase
259107325                                     9500                         9437.37          Purchase
259107326                                    88200                         88005.9          Purchase
259107329                                   129510                       129131.63          Purchase
259107337                                   126000                        125818.4          Purchase
259107350                                    55000                        54802.94          Purchase
259107367                                     5500                         5464.94          Purchase
259107369                                     9800                         9771.91          Purchase
259107371                                     5700                         5688.11          Purchase
259107377                                     5000                         4988.83          Purchase
259107381                                     6990                         6966.32          Purchase
259107389                                     5000                         4991.13          Purchase
259107401                                   165600                       165290.92          Purchase
259107422                                     6400                         6385.13          Purchase
259107426                                     8250                         8224.91          Purchase
259107429                                     8500                          8485.4          Purchase
259107456                                     6000                          5988.2          Purchase
259107493                                     5000                         4975.15          Purchase
259107499                                     7400                          7394.4          Purchase
259107517                                    40500                        40453.21          Purchase
259107527                                   116720                       116508.39          Purchase
259107529                                     8550                         8534.01          Purchase
259107551                                     5750                            5718          Purchase
259107555                                    45000                        44932.99          Purchase
259107559                                     8990                         8981.98          Purchase
259107570                                     8500                         8494.09          Purchase
259107583                                     6325                         6318.04          Purchase
259107614                                     9750                         9730.05          Purchase
259107615                                    39920                        39891.82          Purchase
259107616                                     5000                         4989.55          Purchase
259107680                                   139920                       139754.88          Purchase
259107683                                    11475                        11471.08          Purchase
259107757                                     5500                         5487.03          Purchase
259212447                                    40000                         39869.1          Cash Out Refinance
259212448                                    83000                        82809.65          Cash Out Refinance
259212825                                   177000                       176506.11          Cash Out Refinance
259212936                                    35000                         34961.5          Cash Out Refinance
259213040                                    40000                        39792.32          Cash Out Refinance
259213076                                   108000                       107814.53          Cash Out Refinance
259213117                                    41000                        40850.66          Cash Out Refinance
259213304                                104838.22                       104797.88          Cash Out Refinance
259213314                                    55000                        54943.44          Cash Out Refinance
259213391                                    35000                        34897.01          Cash Out Refinance
259213430                                   112500                       112228.09          Cash Out Refinance
259213515                                    87000                         86698.2          Cash Out Refinance
259213520                                    67000                        66860.01          Cash Out Refinance
259213557                                   369000                        368498.1          Cash Out Refinance
259213633                                    80800                        80703.91          Cash Out Refinance
259213635                                    74700                        74634.33          Cash Out Refinance
259213637                                    50000                         49884.5          Cash Out Refinance
259213667                                   121500                        121194.8          Cash Out Refinance
259213722                                    63000                        62864.65          Cash Out Refinance
259213749                                   111000                       110873.12          Cash Out Refinance
259213792                                    35000                        34977.51          Cash Out Refinance
259213833                                 124759.5                       124600.44          Cash Out Refinance
259213847                                    35000                        34968.56          Cash Out Refinance
259213849                                   335000                       334544.35          Cash Out Refinance
259214007                                   281715                       281223.75          Cash Out Refinance
259214018                                   252000                        251873.4          Cash Out Refinance
259408543                                    87575                        87314.07          Cash Out Refinance
259408651                                   136800                       135920.55          Cash Out Refinance
259408657                                 87232.36                        86143.28          Cash Out Refinance
259408664                                    50000                        49778.07          Purchase
259408804                                   189122                       188411.38          Cash Out Refinance
259408819                                    70000                         69855.4          Purchase
259408872                                   292500                       291745.85          Cash Out Refinance
259408876                                  75231.2                        75063.22          Cash Out Refinance
259408892                                   132050                       131745.91          Rate/Term Refinance
259408902                                  73245.9                         72928.8          Rate/Term Refinance
259408906                                  93204.7                         93072.3          Rate/Term Refinance
259408972                                    72441                        72240.37          Cash Out Refinance
259409012                                    81000                        80876.41          Cash Out Refinance
259409074                                   125800                       125475.89          Cash Out Refinance
259409122                                    50000                        49738.62          Cash Out Refinance
259409135                                    35000                        34471.36          Cash Out Refinance
259409155                                477210.31                       475968.32          Rate/Term Refinance
259409170                                    69000                        68716.41          Cash Out Refinance
259409227                                  74014.5                        73779.06          Cash Out Refinance
259409249                                   415400                       414477.78          Cash Out Refinance
259409289                                   289568                       288975.25          Cash Out Refinance
259409340                                   134800                       134649.08          Rate/Term Refinance
259409362                                   115200                        114968.9          Rate/Term Refinance
259409376                                    62500                        62429.53          Cash Out Refinance
259409386                                    65000                        64861.58          Cash Out Refinance
259409437                                    85500                        85372.81          Cash Out Refinance
259409445                                    82800                        82669.13          Cash Out Refinance
259409459                                    50000                        49920.58          Cash Out Refinance
259409554                                  58818.5                        58721.78          Cash Out Refinance
259409613                                 192352.5                       191761.76          Cash Out Refinance
259500098                                    49343                        49305.09          Cash Out Refinance
259500110                                 106862.5                       106668.74          Rate/Term Refinance
259500122                                 91720.35                        91628.41          Cash Out Refinance
259500145                                   206400                       206014.78          Rate/Term Refinance
259500161                                 155509.4                        155316.4          Cash Out Refinance
259500220                                    66100                        66065.73          Cash Out Refinance
259500259                                    60000                        59985.96          Cash Out Refinance
259609675                                    50000                        49601.72          Cash Out Refinance
259609981                                  60367.5                        60242.66          Cash Out Refinance
259610046                                   106000                       105825.58          Cash Out Refinance
259610152                                    72250                        72091.96          Cash Out Refinance
259610191                                  94960.5                        94795.81          Cash Out Refinance
259610227                                    93000                        92898.05          Cash Out Refinance
259610330                                   163000                       162752.41          Cash Out Refinance
259610473                                    80000                        79547.14          Cash Out Refinance
259610505                                   220000                       219758.25          Cash Out Refinance
259610514                                   276000                       275474.88          Cash Out Refinance
259610537                                   280650                       280496.38          Cash Out Refinance
259610586                                   108000                       107912.71          Cash Out Refinance
259610631                                   200000                       199619.47          Cash Out Refinance
259610719                                    93700                        93658.45          Cash Out Refinance
259700061                                   168000                       167693.41          Cash Out Refinance
259700066                                   350000                       349359.45          Cash Out Refinance
259700067                                   129000                       128755.61          Rate/Term Refinance
259700071                                    67950                        67840.55          Cash Out Refinance
259700073                                    62000                        61891.21          Cash Out Refinance
259700076                                   124000                       123782.46          Cash Out Refinance
259700084                                    72500                        72374.13          Rate/Term Refinance
259700086                                   190000                       189435.15          Cash Out Refinance
259700090                                    95000                        94833.33          Rate/Term Refinance
259700092                                   357000                       356325.58          Cash Out Refinance
259700093                                    66500                        66368.05          Rate/Term Refinance
259700094                                   119000                       118760.58          Cash Out Refinance
259700096                                    85000                        84792.02          Cash Out Refinance
259700098                                   318750                       317794.84          Cash Out Refinance
259900386                                 57986.68                        56003.25          Cash Out Refinance
259900814                                   117300                       111594.74          Cash Out Refinance
259917041                                138604.19                       137499.45          Cash Out Refinance
259917530                                   180000                          180000          Purchase
259917534                                   108000                       107450.41          Purchase
259917556                                   462000                       459847.48          Cash Out Refinance
259917562                                   273750                       272244.68          Cash Out Refinance
259917602                                   216000                       215375.91          Cash Out Refinance
259917604                                   184000                       183588.75          Cash Out Refinance
259917617                                    62000                           61862          Cash Out Refinance
259917620                                   229500                       228525.95          Cash Out Refinance
259917626                                   374000                       372508.54          Cash Out Refinance
259917628                                   280250                        279496.8          Cash Out Refinance
259917629                                   170050                       169522.19          Cash Out Refinance
259917632                                   235000                       234481.44          Cash Out Refinance
259917634                                    73625                        73425.04          Cash Out Refinance
259917635                                    77900                        77640.01          Rate/Term Refinance
259917640                                   467500                       465957.74          Cash Out Refinance
259917649                                    67200                        66937.35          Cash Out Refinance
259917664                                   217500                       216851.98          Cash Out Refinance
259917668                                   304000                       302584.31          Cash Out Refinance
259917680                                    75930                        75699.09          Cash Out Refinance
259917693                                   131750                       131749.99          Cash Out Refinance
259917696                                   177000                        176624.8          Cash Out Refinance
259917712                                   193000                       192512.94          Cash Out Refinance
259917720                                   151000                        150516.4          Cash Out Refinance
259917723                                   228000                       227355.23          Rate/Term Refinance
259917728                                   141900                        141433.8          Rate/Term Refinance
259917734                                   323750                        322771.2          Cash Out Refinance
259917738                                   167000                       166452.45          Cash Out Refinance
259917739                                   142200                       141788.05          Rate/Term Refinance
259917741                                   143450                       143129.75          Rate/Term Refinance
259917744                                   165000                       164047.32          Rate/Term Refinance
259917751                                   302310                       301329.53          Purchase
259917784                                    31000                        30745.68          Cash Out Refinance
259917787                                    91500                        91320.73          Rate/Term Refinance
259917798                                    85930                        85727.99          Cash Out Refinance
259917802                                   288000                       287456.44          Purchase
259917809                                   116000                       115797.66          Rate/Term Refinance
259917824                                   101500                       101295.96          Rate/Term Refinance
259917826                                   242250                       241458.08          Rate/Term Refinance
259917832                                   116300                          116300          Rate/Term Refinance
259917844                                   127000                       126598.68          Cash Out Refinance
259917847                                   172140                       171891.27          Rate/Term Refinance
259917857                                   199750                       198933.84          Cash Out Refinance
259917868                                   111600                       111382.85          Cash Out Refinance
259917874                                    98800                        98690.52          Cash Out Refinance
259917881                                   111600                       111440.37          Cash Out Refinance
259917883                                    96000                        95863.09          Purchase
259917887                                   100800                       100697.26          Rate/Term Refinance
259917888                                   175000                          175000          Cash Out Refinance
259917889                                    99750                        99638.33          Cash Out Refinance
259917893                                   111150                       111000.05          Cash Out Refinance
259917894                                   396900                       396143.25          Cash Out Refinance
259917896                                   123300                       123010.69          Rate/Term Refinance
259917901                                   265500                       264723.69          Rate/Term Refinance
259917915                                   256500                       255947.88          Purchase
259917933                                   208000                       207505.43          Cash Out Refinance
259917953                                   100000                        99852.84          Cash Out Refinance
259917962                                   119000                       118831.14          Rate/Term Refinance
259917966                                    75000                        74835.85          Rate/Term Refinance
259917974                                    23000                        22958.88          Cash Out Refinance
259917981                                    52400                        52365.42          Rate/Term Refinance
259918007                                    39800                        39767.56          Purchase
259918019                                    34980                        34972.36          Rate/Term Refinance
259918024                                    68000                        67908.25          Purchase
259918058                                    27000                        26983.04          Cash Out Refinance
259918069                                    46000                        45986.84          Rate/Term Refinance
281200190                                   180980                          180531          Cash Out Refinance
281200237                                    29200                        29111.14          Cash Out Refinance
281200238                                    34600                        34573.13          Cash Out Refinance
281200257                                    52500                        52373.91          Cash Out Refinance
281200277                                   352911                       352194.41          Rate/Term Refinance
281200289                                  50674.4                        50613.08          Rate/Term Refinance
281200292                                   151000                       150712.69          Cash Out Refinance
281200308                                   100000                        99813.36          Rate/Term Refinance
281200319                                 271858.2                       271491.41          Cash Out Refinance
281200378                                   119686                       119578.51          Cash Out Refinance
281200428                                   196000                       195627.07          Rate/Term Refinance
281200549                                    90800                        90755.33          Cash Out Refinance
281300034                                   104000                       103765.59          Cash Out Refinance
281300062                                  68695.9                        68456.17          Cash Out Refinance
281300077                                   225320                       224684.08          Cash Out Refinance
281300143                                   418548                       417512.39          Cash Out Refinance
281300169                                 45384.36                        45230.76          Cash Out Refinance
281300200                                   115500                       115196.63          Cash Out Refinance
281300217                                    45144                        45102.17          Cash Out Refinance
281300227                                    34800                        34759.12          Cash Out Refinance
281300230                                   200000                       199560.79          Cash Out Refinance
281300268                                 101348.8                        101162.9          Cash Out Refinance
281300274                                 176455.5                       176112.12          Cash Out Refinance
281300300                                   115000                       114734.55          Cash Out Refinance
281300305                                   257568                       257277.61          Rate/Term Refinance
281300328                                144905.55                       144721.63          Cash Out Refinance
281300331                                  78509.6                        78436.81          Cash Out Refinance
281300380                                 179749.5                       179584.61          Cash Out Refinance
281300478                                 145333.3                       145094.34          Cash Out Refinance
281300492                                   225568                       225470.32          Cash Out Refinance
281400081                                  68416.5                        68361.05          Cash Out Refinance
281400133                                108407.02                       108292.32          Cash Out Refinance
281500019                                    81441                        81356.22          Cash Out Refinance
281500027                                    62343                        62235.69          Cash Out Refinance
281500068                                   170980                        170750.7          Rate/Term Refinance
281800087                                   141500                       141200.02          Cash Out Refinance
281800176                                   112100                       111682.52          Cash Out Refinance
281800353                                   350000                       349334.07          Cash Out Refinance
281800354                                  69246.9                        69172.07          Cash Out Refinance
281800367                                   104637                       104463.24          Cash Out Refinance
281800383                                    25000                        24882.69          Cash Out Refinance
281800392                                    50000                        49954.61          Cash Out Refinance
281800401                                 121811.4                       121618.86          Cash Out Refinance
281800443                                   341750                       341375.25          Cash Out Refinance
281800445                                 248714.1                       248440.78          Cash Out Refinance
281800580                                   150000                       149922.23          Cash Out Refinance
281900035                                  58818.5                        58681.75          Cash Out Refinance
281900132                                   103575                       103394.36          Cash Out Refinance
281900200                                   101600                       101426.25          Rate/Term Refinance
281900251                                    50000                        49765.18          Cash Out Refinance
281900290                                    50000                        49880.93          Cash Out Refinance
281900361                                 140259.5                       140117.73          Rate/Term Refinance
282600002                                    50000                        49903.98          Cash Out Refinance
282600008                                    35000                        34962.13          Cash Out Refinance
282600023                                   221960                        221539.1          Cash Out Refinance
282600064                                    50000                        41560.57          Cash Out Refinance
282700059                                   212500                          212500          Purchase
282800004                                   140250                       139925.57          Cash Out Refinance
282800009                                   132374                       132030.14          Purchase
282800025                                    84000                        83913.47          Purchase
283401462                                  60697.9                        60607.49          Cash Out Refinance
283401724                                    50000                        49295.35          Cash Out Refinance
283401939                                    79500                        79164.86          Cash Out Refinance
283402128                                    22600                        22519.44          Cash Out Refinance
283402140                                    56392                         56321.2          Cash Out Refinance
283402279                                   482940                        482492.3          Cash Out Refinance
283402342                                  52318.5                        52231.91          Cash Out Refinance
283402367                                   195000                       194859.99          Cash Out Refinance
283402551                                 139656.5                       139462.66          Cash Out Refinance
283402575                                 51721.45                        51694.91          Cash Out Refinance
283402661                                 73602.75                        73560.83          Cash Out Refinance
283600897                                   110000                        109286.8          Cash Out Refinance
283601293                                   195040                       194603.04          Rate/Term Refinance
283601348                                   126000                        125707.4          Cash Out Refinance
283601429                                    31000                         30963.7          Cash Out Refinance
283601518                                   112000                       111818.88          Cash Out Refinance
283601549                                    67200                        67077.93          Rate/Term Refinance
283601638                                  52088.1                        51963.01          Cash Out Refinance
283601745                                 76224.03                        75548.16          Cash Out Refinance
283601865                                 127979.1                       127883.55          Rate/Term Refinance
283902061                                   153882                       153538.07          Cash Out Refinance
283902084                                  68695.9                        68539.31          Cash Out Refinance
283902124                                 200048.5                        199585.9          Rate/Term Refinance
283902291                                   170000                       169665.06          Cash Out Refinance
283902466                                  71715.5                        71623.52          Cash Out Refinance
283902515                                   301500                       300989.18          Cash Out Refinance
283902583                                    72000                        71847.93          Cash Out Refinance
283902609                                   118800                        118635.1          Cash Out Refinance
283902653                                    91500                        91388.51          Rate/Term Refinance
283902656                                   256470                       255982.01          Cash Out Refinance
283902670                                   205000                       204699.76          Cash Out Refinance
283902694                                   375000                       374286.51          Cash Out Refinance
283902737                                   216000                       215589.03          Cash Out Refinance
283902746                                  70960.6                        70773.96          Cash Out Refinance
283902829                                   340170                       339668.54          Cash Out Refinance
284104740                                    40635                        40383.15          Cash Out Refinance
284104897                                   115000                       114681.88          Cash Out Refinance
284105032                                    94000                        93928.89          Cash Out Refinance
284105082                                    25000                        24993.81          Cash Out Refinance
284105086                                  52088.1                        52022.84          Cash Out Refinance
284105138                                  56103.8                        56057.54          Rate/Term Refinance
284105210                                   221000                       220879.03          Cash Out Refinance
284105257                                   201225                       201006.62          Cash Out Refinance
284105265                                    98235                        98156.57          Rate/Term Refinance
284105321                                  43197.9                        43107.24          Cash Out Refinance
284205609                                 110397.8                       109985.03          Cash Out Refinance
284205709                                 366126.5                       364681.06          Cash Out Refinance
284205860                                 65570.83                         65329.3          Cash Out Refinance
284206030                                    50000                        49883.62          Cash Out Refinance
284206036                                    90000                        89822.66          Cash Out Refinance
284206066                                    50000                        49900.69          Cash Out Refinance
284206090                                    45000                        44787.66          Cash Out Refinance
284206279                                   100000                        99917.97          Purchase
284206286                                    52000                        51950.56          Cash Out Refinance
284206305                                  57008.7                        56921.23          Cash Out Refinance
284206339                                  60367.5                        60317.09          Rate/Term Refinance
284206364                                    98137                        97911.15          Cash Out Refinance
284206455                                 422410.5                        421714.6          Cash Out Refinance
284305934                                   137000                       136483.74          Cash Out Refinance
284306009                                    35000                        34673.11          Cash Out Refinance
284306136                                    35000                        34814.04          Cash Out Refinance
284306139                                    65000                        64893.02          Cash Out Refinance
284306219                                  74201.8                        74034.38          Cash Out Refinance
284306235                                    29200                        29100.91          Cash Out Refinance
284306292                                    50000                        49240.49          Cash Out Refinance
284306373                                    84000                        83771.81          Cash Out Refinance
284306407                                   372000                       370728.92          Rate/Term Refinance
284306544                                    16400                        16358.04          Cash Out Refinance
284306607                                   148715                       148404.37          Cash Out Refinance
284306642                                 122161.5                       121997.57          Cash Out Refinance
284306735                                 330288.5                       329471.54          Cash Out Refinance
284306818                                    59900                        59867.21          Cash Out Refinance
284306829                                    90000                        89683.76          Cash Out Refinance
284306909                                    95000                        94890.28          Cash Out Refinance
284306964                                 207222.1                        206897.2          Cash Out Refinance
284307036                                   220000                       219806.84          Cash Out Refinance
284307097                                   131700                       131569.92          Rate/Term Refinance
284406476                                  71487.1                        71071.39          Cash Out Refinance
284406520                                 64448.13                         63949.5          Cash Out Refinance
284406789                                 142974.2                       142487.11          Rate/Term Refinance
284407070                                  95014.5                        94732.57          Rate/Term Refinance
284407093                                122747.25                       122383.05          Rate/Term Refinance
284407360                                   183729                       183432.81          Cash Out Refinance
284407600                                    22200                        22196.33          Cash Out Refinance
284506491                                    55000                        54948.26          Cash Out Refinance
284506589                                    50000                        49897.27          Cash Out Refinance
284506665                                    72000                        71855.55          Rate/Term Refinance
284506685                                   115223                       114959.63          Rate/Term Refinance
284506764                                   193176                       192743.19          Cash Out Refinance
284506771                                 254276.9                       253678.21          Cash Out Refinance
284506774                                   108500                       108335.18          Cash Out Refinance
284506828                                   102588                       102305.54          Cash Out Refinance
284506835                                    18000                        17951.42          Cash Out Refinance
284506853                                 122250.7                       122044.62          Cash Out Refinance
284602622                                    92500                        92345.66          Purchase
284602630                                   124000                       123811.64          Cash Out Refinance
284602731                                 248847.5                       248146.46          Cash Out Refinance
284602742                                  61552.8                        61420.36          Rate/Term Refinance
284602744                                   160980                       160712.69          Cash Out Refinance
284602902                                   277000                          277000          Cash Out Refinance
284602920                                   162882                       162517.07          Cash Out Refinance
284602954                                   110000                       109873.76          Cash Out Refinance
284704809                                    35000                        34457.87          Cash Out Refinance
284705215                                    35000                        34690.99          Cash Out Refinance
284705736                                   200000                       199495.01          Cash Out Refinance
284705767                                    25000                        24871.33          Cash Out Refinance
284705823                                  77821.4                        77541.25          Cash Out Refinance
284705909                                   137000                       136657.55          Cash Out Refinance
284705918                                   176000                       175371.51          Cash Out Refinance
284706042                                    50000                        49798.61          Cash Out Refinance
284706080                                   210078                       209479.12          Cash Out Refinance
284706112                                  68772.4                        68650.33          Cash Out Refinance
284706153                                    51000                        50759.48          Cash Out Refinance
284706187                                 185504.5                       185185.25          Cash Out Refinance
284706197                                  92563.5                        92356.11          Cash Out Refinance
284706205                                 294092.5                       293734.91          Cash Out Refinance
284706250                                    36000                        35916.35          Cash Out Refinance
284706289                                   235274                       234782.59          Rate/Term Refinance
284706293                                 67964.55                        67818.22          Cash Out Refinance
284706322                                    98500                        98424.02          Rate/Term Refinance
284706434                                   119200                       118947.91          Rate/Term Refinance
284706552                                    85000                        84957.66          Cash Out Refinance
284806125                                  37350.7                        37037.82          Rate/Term Refinance
284806154                                   169029                       168137.91          Cash Out Refinance
284806221                                   365000                       363969.09          Rate/Term Refinance
284806245                                   171931                       171536.03          Rate/Term Refinance
284806313                                    35000                        34830.54          Cash Out Refinance
284806543                                    35000                        34859.34          Cash Out Refinance
284806565                                   588000                       586542.73          Cash Out Refinance
284806578                                  95014.5                           94818          Cash Out Refinance
284806624                                  82904.7                        82790.85          Cash Out Refinance
284806635                                   121000                       120878.48          Cash Out Refinance
284904952                                 132509.5                       132058.97          Cash Out Refinance
284905181                                    18000                        17881.98          Purchase
284905276                                   200000                       199441.85          Rate/Term Refinance
284905288                                    35000                        34906.84          Cash Out Refinance
284905353                                    82000                        81609.69          Cash Out Refinance
284905364                                    35000                        34770.34          Cash Out Refinance
284905394                                  79631.2                        79495.89          Cash Out Refinance
284905468                                    35000                         34862.9          Cash Out Refinance
284905507                                    35000                        34834.01          Cash Out Refinance
284905623                                    50000                        49883.54          Cash Out Refinance
284905673                                   289764                          288887          Cash Out Refinance
284905724                                    51000                        50634.48          Cash Out Refinance
284905742                                   125000                        124733.6          Cash Out Refinance
284905873                                   144784                       144586.09          Rate/Term Refinance
284905893                                 122161.5                       121926.19          Cash Out Refinance
284905909                                 182712.3                       182572.58          Rate/Term Refinance
284905963                                   268000                       267490.08          Cash Out Refinance
284905982                                  69246.9                        69153.58          Cash Out Refinance
284906001                                   149100                       148955.81          Rate/Term Refinance
284906014                                 118407.6                       118277.75          Cash Out Refinance
285003265                                   126300                       125618.81          Cash Out Refinance
285003307                                    15000                         14903.3          Cash Out Refinance
285003516                                   188725                       188451.51          Cash Out Refinance
285003621                                  35159.4                        34970.96          Cash Out Refinance
285003650                                    66600                        66311.99          Cash Out Refinance
285003766                                    56000                        55710.05          Cash Out Refinance
285003926                                  50578.3                        50540.53          Cash Out Refinance
285004030                                 325179.6                       324623.53          Cash Out Refinance
285004040                                   143431                       143195.13          Cash Out Refinance
285004048                                   128800                       128465.43          Rate/Term Refinance
285004073                                 72092.95                        71946.54          Cash Out Refinance
285004115                                142340.85                       142039.33          Cash Out Refinance
285004143                                 370072.5                       369569.14          Cash Out Refinance
285004148                                  81215.5                        81154.59          Cash Out Refinance
285103893                                   280000                        278615.3          Rate/Term Refinance
285103951                                  89343.9                         89001.1          Cash Out Refinance
285104265                                   241000                       239511.09          Cash Out Refinance
285104449                                    95500                        95395.05          Cash Out Refinance
285104457                                  66057.7                        65943.07          Cash Out Refinance
285104458                                 484121.5                        483260.7          Purchase
285104481                                  99646.8                        99430.14          Cash Out Refinance
285104658                                   103000                       102942.55          Cash Out Refinance
285203028                                    91500                        91101.63          Cash Out Refinance
285203197                                    50000                        49899.87          Cash Out Refinance
285203342                                 101156.6                        100914.2          Cash Out Refinance
285203440                                  66806.7                        66651.26          Cash Out Refinance
285203455                                    35000                        34850.84          Cash Out Refinance
285203683                                    84500                         84337.4          Rate/Term Refinance
285203685                                    50000                        49769.62          Cash Out Refinance
285203689                                   375000                       374070.63          Cash Out Refinance
285203737                                 87266.44                        87096.41          Cash Out Refinance
285203783                                    94363                        94200.09          Cash Out Refinance
285203813                                    87600                        87534.03          Cash Out Refinance
285203830                                 167560.4                       167376.27          Cash Out Refinance
285203902                                   106000                       105847.86          Cash Out Refinance
285302635                                 149308.5                       148756.06          Cash Out Refinance
285302726                                   230823                       229888.43          Rate/Term Refinance
285302773                                 250485.7                       249496.78          Rate/Term Refinance
285302829                                    53500                        53405.69          Cash Out Refinance
285302833                                    35000                        34964.01          Cash Out Refinance
285302940                                 118423.2                       118192.75          Cash Out Refinance
285302956                                 253543.5                       252842.18          Cash Out Refinance
285303183                                   180980                       180680.56          Rate/Term Refinance
285303203                                    61200                        61006.27          Cash Out Refinance
285303207                                    50000                        49975.66          Cash Out Refinance
285303271                                    54000                        53929.57          Cash Out Refinance
285401621                                    35400                        35058.08          Cash Out Refinance
285402029                                 141166.3                       140876.69          Cash Out Refinance
285402055                                 140259.5                       139777.81          Rate/Term Refinance
285402145                                    73600                        73310.58          Rate/Term Refinance
285402192                                    35000                        34965.09          Cash Out Refinance
285402359                                  53858.7                        53754.81          Cash Out Refinance
285402387                                   117000                       116623.84          Cash Out Refinance
285402453                                   104000                        103678.7          Rate/Term Refinance
285402507                                 132509.5                       132381.35          Cash Out Refinance
285402516                                    26000                        25901.87          Cash Out Refinance
285402541                                   150000                       149701.32          Cash Out Refinance
285402557                                  64117.5                        63975.27          Cash Out Refinance
285402631                                    78000                        77752.95          Cash Out Refinance
285402687                                    76200                        76066.14          Cash Out Refinance
285402712                                    86000                         85818.5          Cash Out Refinance
285402810                                   289568                       288739.42          Cash Out Refinance
285402934                                    76941                         76814.2          Cash Out Refinance
285402964                                  86813.5                        86733.17          Cash Out Refinance
285703119                                    35290                        35000.14          Cash Out Refinance
285703530                                    35000                        34844.41          Cash Out Refinance
285703563                                   125000                       124896.95          Cash Out Refinance
285703766                                 209450.5                       208966.56          Cash Out Refinance
285703853                                 214579.9                       214334.64          Cash Out Refinance
285703952                                    87900                           87900          Cash Out Refinance
285703968                                    20000                        19996.14          Cash Out Refinance
285800784                                    17940                        17749.41          Cash Out Refinance
285900867                                  51579.3                        51324.29          Cash Out Refinance
285901043                                   286000                       285153.16          Cash Out Refinance
285901127                                   458793                       457404.45          Rate/Term Refinance
285901181                                    48239                        47792.52          Cash Out Refinance
285901192                                   121000                       120879.22          Cash Out Refinance
285901263                                   373000                       372317.28          Cash Out Refinance
285901276                                    64392                        64306.46          Cash Out Refinance
285901324                                   204500                       203914.82          Rate/Term Refinance
285901333                                 214852.5                       214356.55          Cash Out Refinance
285901347                                  73296.9                        73148.37          Cash Out Refinance
285901358                                 214908.3                       214727.09          Rate/Term Refinance
285901410                                   300000                        299639.7          Cash Out Refinance
285901425                                 74654.25                        74585.41          Cash Out Refinance
285901426                                    85000                        84863.92          Cash Out Refinance
286001212                                    50000                        49941.24          Cash Out Refinance
286001282                                   474891                       472959.07          Cash Out Refinance
286001418                                    84588                        84397.33          Cash Out Refinance
286001419                                 77468.51                        77229.34          Cash Out Refinance
286001479                                  65196.9                        65077.57          Cash Out Refinance
286001666                                 74654.25                           74506          Rate/Term Refinance
286001708                                   135735                       135473.52          Rate/Term Refinance
286001732                                 50306.25                        50241.58          Cash Out Refinance
286001754                                    50000                        49864.61          Cash Out Refinance
286001762                                  67537.1                        67425.59          Cash Out Refinance
286001770                                202588.26                       202254.51          Cash Out Refinance
286001793                                  84514.5                        84419.87          Cash Out Refinance
286001794                                    72392                        72315.05          Cash Out Refinance
286001864                                 129015.3                       128906.63          Cash Out Refinance
286001875                                   364000                       363307.42          Cash Out Refinance
286002057                                 121947.7                        121876.8          Cash Out Refinance
286101284                                 157019.2                       156773.76          Rate/Term Refinance
286101365                                   126000                       125648.86          Rate/Term Refinance
286102093                                 187412.5                       186904.38          Cash Out Refinance
286400004                                   250000                       249140.11          Cash Out Refinance
286400016                                   125600                       125304.26          Purchase
286400022                                   250000                          250000          Purchase
286400032                                   224000                       223999.99          Purchase
286400034                                   226400                       226000.99          Purchase
286400039                                   236000                          236000          Purchase
286400058                                    29400                        29385.84          Purchase
286400062                                   200000                       199839.26          Purchase
286400067                                    35000                        34987.92          Purchase
286400069                                    50000                        49979.02          Purchase
286600001                                    91200                        90854.45          Purchase
286600005                                   348000                          348000          Purchase
286600008                                   242400                       242399.99          Purchase
286600012                                   105600                       105527.73          Purchase
286600015                                    86400                        86084.85          Purchase
286600017                                   211240                       210936.06          Purchase
286600020                                   122742                       122289.84          Purchase
286600025                                   160650                       160190.59          Purchase
286600026                                    87000                        86443.11          Purchase
286600027                                   105200                       104886.62          Purchase
286600030                                   364000                       363694.37          Purchase
286600039                                   372000                          372000          Purchase
286600040                                   104000                       103740.01          Purchase
286600041                                   143120                       142638.27          Purchase
286600043                                    93000                        92830.74          Purchase
286600047                                    17890                        17794.61          Purchase
286600048                                    31700                        31487.44          Purchase
286600056                                    59600                        59483.98          Rate/Term Refinance
286600057                                    96980                        96607.74          Purchase
286600065                                    26300                        26176.61          Purchase
286600067                                   172000                       171999.99          Purchase
286600070                                   270400                          270400          Purchase
286600072                                   456000                          456000          Purchase
286600073                                   102400                       102146.71          Purchase
286600075                                   273750                       272926.76          Purchase
286600076                                   418500                          418500          Cash Out Refinance
286600079                                   188000                          188000          Purchase
286600085                                    78400                        78263.68          Rate/Term Refinance
286600089                                   134400                          134400          Purchase
286600093                                    33600                        33431.97          Purchase
286600094                                    51780                         51402.7          Purchase
286600098                                    22800                        22691.05          Purchase
286600100                                   200000                          200000          Purchase
286600101                                   136000                       135756.13          Cash Out Refinance
286600103                                    64000                        63829.66          Cash Out Refinance
286600109                                   352000                          352000          Rate/Term Refinance
286600117                                   220000                          220000          Rate/Term Refinance
286600126                                   165600                       165504.72          Purchase
286600131                                   210000                       209708.53          Cash Out Refinance
286600133                                   440000                       439999.67          Purchase
286600140                                   496000                          496000          Purchase
286600145                                   252480                          252480          Purchase
286600147                                   448790                          448790          Purchase
286600152                                   128000                          128000          Purchase
286600154                                    73000                        72749.65          Purchase
286600159                                   497250                          497250          Rate/Term Refinance
286600164                                   216000                          216000          Purchase
286600166                                   352528                       351824.35          Rate/Term Refinance
286600168                                   508500                          508500          Cash Out Refinance
286600173                                   231200                          231143          Purchase
286600174                                    94400                        94257.11          Purchase
286600176                                   140000                       139758.24          Purchase
286600179                                   268000                          268000          Purchase
286600180                                   100960                       100807.27          Purchase
286600184                                    74300                        74199.56          Rate/Term Refinance
286600185                                    69560                        69455.18          Purchase
286600188                                    80000                        79792.19          Purchase
286600233                                    83700                        83649.29          Purchase
286600239                                   180405                       180258.57          Purchase
286600244                                    22000                        21991.25          Purchase
286600248                                    22980                        22919.39          Purchase
286600252                                    83250                        83183.75          Purchase
286600254                                    47600                        47578.26          Purchase
286600260                                    54020                        53993.43          Purchase
286700019                                    98588                        98448.37          Cash Out Refinance
286700035                                   350625                       349621.73          Rate/Term Refinance
286700062                                   149000                       148534.29          Cash Out Refinance
286700137                                   145333                       144947.74          Cash Out Refinance
286700154                                    59843                        59741.66          Cash Out Refinance
286700162                                    56000                        55885.37          Rate/Term Refinance
286700190                                    59843                         59817.9          Rate/Term Refinance
286700271                                   257568                       257217.66          Cash Out Refinance
286902648                                  72661.4                        72393.73          Cash Out Refinance
286902733                                 149308.5                       148874.26          Rate/Term Refinance
286902788                                   133000                       132426.52          Cash Out Refinance
286902833                                136300.63                       135965.85          Cash Out Refinance
286902850                                    28000                        27896.08          Cash Out Refinance
286902889                                    35000                        34784.82          Cash Out Refinance
286902926                                   100000                        99816.95          Cash Out Refinance
286902959                                    75000                         74870.7          Cash Out Refinance
286902979                                    99000                        98848.03          Cash Out Refinance
286903022                                    79900                        79638.39          Cash Out Refinance
286903128                                   122500                       122287.02          Cash Out Refinance
286903133                                  88112.5                        87952.86          Cash Out Refinance
286903152                                    55000                        54886.64          Cash Out Refinance
286903198                                   267900                       267204.12          Cash Out Refinance
286903219                                   225000                       224543.11          Cash Out Refinance
286903223                                    35200                        35168.39          Cash Out Refinance
286903236                                    60000                        59672.88          Cash Out Refinance
286903272                                    75490                        75285.16          Rate/Term Refinance
286903282                                   168000                       167637.63          Cash Out Refinance
286903313                                    95400                        95290.94          Cash Out Refinance
286903314                                    62800                        62204.68          Cash Out Refinance
286903326                                  52318.5                         52270.5          Cash Out Refinance
286903329                                    50000                        49923.25          Cash Out Refinance
286903332                                  64972.4                        64900.41          Cash Out Refinance
286903339                                   106000                       105820.49          Cash Out Refinance
286903356                                    45000                        44952.66          Cash Out Refinance
286903357                                    99000                         98836.9          Cash Out Refinance
286903371                                   161000                       160748.04          Cash Out Refinance
286903389                                   145000                        144721.5          Cash Out Refinance
286903390                                    46000                        45957.34          Cash Out Refinance
286903408                                   210300                       209899.86          Rate/Term Refinance
286903419                                    84155                        84055.78          Cash Out Refinance
286903427                                   207000                       206694.86          Cash Out Refinance
286903442                                   137700                       137534.39          Cash Out Refinance
286903481                                   253000                       252518.63          Cash Out Refinance
286903557                                   209000                       208609.93          Cash Out Refinance
286903597                                   261950                       261451.59          Cash Out Refinance
286903832                                    40000                        39981.33          Cash Out Refinance
287200651                                   382500                        380910.8          Cash Out Refinance
287200652                                   160800                       159953.45          Cash Out Refinance
287200669                                   172400                       172368.75          Purchase
287200674                                   304000                       302528.66          Purchase
287200685                                   260000                       259219.34          Cash Out Refinance
287200690                                   294920                          294920          Cash Out Refinance
287200704                                   218829                       218307.61          Cash Out Refinance
287200710                                   261600                       261110.29          Purchase
287200749                                   508000                       507051.91          Cash Out Refinance
287200754                                   466836                       465947.84          Cash Out Refinance
287200771                                   455245                       454334.59          Cash Out Refinance
287200792                                   472800                       472301.66          Purchase
287200793                                   441000                       440999.99          Purchase
287200805                                    59000                        58966.05          Cash Out Refinance
287301104                                   189000                       188310.04          Cash Out Refinance
287301181                                   300000                          300000          Cash Out Refinance
287301194                                   349000                       348373.39          Cash Out Refinance
287301202                                   485000                          485000          Cash Out Refinance
287301214                                   464000                          464000          Cash Out Refinance
287301216                                   266901                       266900.99          Cash Out Refinance
287301233                                   153630                       153249.23          Cash Out Refinance
287301234                                   381362                        380371.4          Purchase
287301252                                   236000                          236000          Cash Out Refinance
287301303                                   204000                       203615.57          Rate/Term Refinance
287301334                                    93000                        92903.19          Cash Out Refinance
287301338                                   440000                          440000          Purchase
287301340                                   543239                          543239          Cash Out Refinance
287301342                                   308000                       307964.33          Purchase
287301347                                   315000                       314869.35          Cash Out Refinance
287301351                                   363600                          363600          Cash Out Refinance
287301419                                    94000                        93954.24          Purchase
287500713                                    97971                        97470.05          Purchase
287500873                                   104000                       103555.94          Purchase
287500884                                    77600                           77600          Purchase
287500903                                    54075                        53851.29          Cash Out Refinance
287500904                                   328000                       326846.04          Cash Out Refinance
287500911                                    71475                        71198.29          Cash Out Refinance
287500921                                   135702                       135155.57          Purchase
287500923                                   198000                       197233.56          Cash Out Refinance
287500998                                   204000                       203999.99          Purchase
287501016                                   100000                        99831.06          Cash Out Refinance
287501018                                   140000                       139680.01          Purchase
287501027                                    60255                        60112.59          Purchase
287501029                                   210400                       210390.32          Purchase
287501062                                    87125                        86939.32          Cash Out Refinance
287501070                                    94760                        94496.57          Cash Out Refinance
287501073                                   211500                        211021.2          Purchase
287501075                                   137335                       137083.11          Purchase
287501083                                   141000                       139911.19          Cash Out Refinance
287501108                                   117008                       116770.41          Purchase
287501109                                    56700                        56607.25          Cash Out Refinance
287501124                                   296640                       296639.99          Cash Out Refinance
287501128                                   144458                       144231.94          Rate/Term Refinance
287501138                                    97850                        97674.32          Cash Out Refinance
287501160                                   173600                          173600          Purchase
287501173                                   121000                       120818.02          Cash Out Refinance
287501220                                   144000                       143746.44          Purchase
287501233                                   225000                          225000          Purchase
287501273                                   124000                       123890.06          Purchase
287501274                                    31000                        30982.71          Purchase
287501278                                    35800                        35780.03          Purchase
287501294                                    23600                        23591.76          Cash Out Refinance
287501321                                   200347                       200135.83          Purchase
287600879                                    53300                        53004.73          Cash Out Refinance
287600896                                   118692                       118205.19          Purchase
287601055                                   131775                       131313.24          Rate/Term Refinance
287601064                                   253425                       252423.09          Cash Out Refinance
287601117                                    82400                        82033.65          Purchase
287601134                                 121633.6                       121283.38          Purchase
287601150                                    86100                        85866.09          Purchase
287601161                                   175500                       175038.43          Cash Out Refinance
287601178                                    61200                         60965.9          Purchase
287601197                                   121140                       120845.73          Purchase
287601210                                    54167                        53940.59          Purchase
287601226                                    83000                        82862.69          Purchase
287601229                                    99920                        99631.33          Purchase
287601231                                   112500                       112293.65          Rate/Term Refinance
287601254                                    88560                         88336.6          Purchase
287601270                                    86674                        86445.94          Purchase
287601282                                   105600                       105426.01          Purchase
287601290                                   117600                       117374.08          Purchase
287601314                                    52980                        52916.87          Cash Out Refinance
287601321                                    72000                         71906.9          Cash Out Refinance
287601334                                   156600                       156442.04          Purchase
287601348                                   116000                       115866.02          Cash Out Refinance
287601377                                   118800                       118731.25          Purchase
287601379                                    98800                         98717.4          Purchase
287601380                                    24700                        24687.84          Purchase
287601385                                  26308.4                        26297.37          Purchase
287700479                                  56907.5                        56647.45          Purchase
287700487                                   117000                       116410.63          Cash Out Refinance
287700545                                   111240                       110711.79          Purchase
287700580                                    52500                        52354.15          Purchase
287700582                                    71000                        70430.04          Rate/Term Refinance
287700588                                   176000                       175338.68          Purchase
287700596                                    93750                        93454.77          Purchase
287700598                                   131500                       131080.13          Rate/Term Refinance
287700614                                 147931.9                       147488.58          Purchase
287700622                                    94250                         93735.6          Cash Out Refinance
287700629                                    63325                        63187.64          Purchase
287700665                                   196800                        196322.7          Purchase
287700676                                    68400                        68237.03          Purchase
287700691                                   112000                       111738.37          Purchase
287700696                                    50000                        49964.55          Cash Out Refinance
287700702                                  64117.5                        64009.42          Purchase
287700737                                    60255                        60124.29          Purchase
287700742                                    38000                        37954.76          Cash Out Refinance
287700746                                    67150                        67080.82          Cash Out Refinance
287700754                                    64932                        64840.96          Purchase
287700772                                    78400                        78283.26          Purchase
287700781                                    64350                        64273.34          Purchase
287700819                                   309092                       308688.29          Cash Out Refinance
287700822                                    40000                        39977.22          Cash Out Refinance
287700827                                    69200                        69045.29          Purchase
287700831                                   223000                       222877.93          Purchase
287700836                                   100000                        99804.17          Purchase
287700845                                    46980                        46955.64          Purchase
287700852                                    99600                        99521.52          Purchase
287700854                                   192816                        192595.6          Cash Out Refinance
287700860                                    82720                        82340.52          Purchase
287700869                                    76000                        75921.39          Purchase
287700884                                    30980                        30964.55          Purchase
287700896                                   214400                       214213.59          Purchase
287700906                                    32000                           31980          Cash Out Refinance
287800204                                    50040                        49612.12          Purchase
287800243                                   109600                       109413.32          Purchase
287800245                                    76941                        76776.26          Purchase
287800264                                   106200                       106087.11          Purchase
287800298                                   131920                       131663.34          Purchase
287800306                                   208250                          208250          Cash Out Refinance
287800310                                    94400                        94248.82          Purchase
287900366                                   216800                          216800          Purchase
287900538                                   226400                       226138.68          Rate/Term Refinance
287900604                                    35500                        35119.44          Purchase
287900656                                   346800                          346800          Purchase
288002886                                    80200                        80045.33          Cash Out Refinance
288002936                                   115000                        114680.5          Cash Out Refinance
288003118                                    42800                        42695.79          Cash Out Refinance
288003173                                    75200                        74486.41          Cash Out Refinance
288003342                                    41000                         40934.5          Purchase
288003359                                    54817                        54334.78          Cash Out Refinance
288003370                                    63000                        62918.28          Cash Out Refinance
288003377                                 449165.5                       447880.26          Cash Out Refinance
288003437                                    25625                        25581.66          Cash Out Refinance
288003462                                   110000                       109785.55          Cash Out Refinance
288003484                                    54150                        54075.83          Cash Out Refinance
288003530                                 305734.5                       304468.12          Cash Out Refinance
288003543                                 131210.5                       130916.53          Cash Out Refinance
288003546                                    58825                        58764.84          Cash Out Refinance
288003561                                   205000                       204734.27          Cash Out Refinance
288003568                                    50000                        49614.25          Cash Out Refinance
288003594                                    32600                        32382.71          Cash Out Refinance
288003647                                 235030.8                       234677.53          Cash Out Refinance
288003660                                    61000                           60934          Cash Out Refinance
288003668                                 327573.8                       326761.96          Cash Out Refinance
288003692                                    92500                        92270.73          Cash Out Refinance
288003710                                    78000                        77920.93          Cash Out Refinance
288003750                                 243079.8                       242448.37          Cash Out Refinance
288003781                                   257400                       256945.04          Cash Out Refinance
288003862                                 313748.3                        313206.5          Cash Out Refinance
288003882                                   316000                       315398.76          Rate/Term Refinance
288003974                                   453097                       452299.16          Cash Out Refinance
288103443                                    67500                         65801.3          Cash Out Refinance
288103562                                   100000                        99675.98          Cash Out Refinance
288104046                                    69300                        69182.64          Cash Out Refinance
288104326                                    60000                        59934.05          Cash Out Refinance
288104398                                   121225                       121009.83          Cash Out Refinance
288104425                                    50000                        49975.66          Cash Out Refinance
288104607                                   208500                       208103.29          Cash Out Refinance
288104736                                   140000                       139926.65          Rate/Term Refinance
288201506                                    50000                        49885.76          Cash Out Refinance
288201657                                   140000                       139596.87          Cash Out Refinance
288201697                                   297813                       296911.66          Rate/Term Refinance
288201737                                    97800                        97694.86          Cash Out Refinance
288201809                                    50000                        49943.75          Cash Out Refinance
288201904                                    50000                        49939.87          Cash Out Refinance
288201920                                    66500                           66435          Cash Out Refinance
288201953                                   345550                       344752.37          Cash Out Refinance
288201975                                   166000                       165769.34          Cash Out Refinance
288202013                                   189921                        189657.4          Cash Out Refinance
288202085                                   203000                       202419.13          Cash Out Refinance
288301955                                   200878                       199652.57          Cash Out Refinance
288302596                                   210800                       210081.83          Cash Out Refinance
288302655                                 434067.5                        432561.7          Cash Out Refinance
288302856                                   378000                       376809.75          Cash Out Refinance
288302865                                    76500                        76270.76          Cash Out Refinance
288302900                                   345000                       344213.66          Cash Out Refinance
288302945                                 123357.5                       123129.38          Cash Out Refinance
288302963                                    52200                        52073.44          Cash Out Refinance
288303009                                    63200                           63077          Cash Out Refinance
288303051                                    55300                        55247.07          Cash Out Refinance
288303103                                  66904.2                        66788.67          Cash Out Refinance
288303150                                 85681.15                        85586.98          Cash Out Refinance
288303275                                    51210                        51163.03          Cash Out Refinance
288303287                                   117000                       116906.59          Cash Out Refinance
288303374                                   166500                       166343.99          Rate/Term Refinance
288303431                                   320585                          320585          Rate/Term Refinance
288303570                                  60992.1                        60960.15          Cash Out Refinance
288502997                                   213000                       212519.49          Cash Out Refinance
288503011                                    40000                        39937.62          Cash Out Refinance
288503174                                   289568                       288540.03          Cash Out Refinance
288503270                                 116308.5                       116106.62          Cash Out Refinance
288503282                                    61900                        61817.19          Cash Out Refinance
288503311                                   360250                       359788.98          Cash Out Refinance
288503387                                    67000                        66902.05          Cash Out Refinance
288503440                                    76000                        75903.13          Cash Out Refinance
288503472                                    56780                        56717.33          Cash Out Refinance
288503519                                    92500                         92407.2          Cash Out Refinance
288503548                                    92000                        91906.94          Cash Out Refinance
288503683                                 183803.5                       183470.26          Cash Out Refinance
288503719                                 525763.5                       524357.38          Cash Out Refinance
288503798                                    50000                         49840.8          Cash Out Refinance
288503820                                   280500                        278157.7          Cash Out Refinance
288503838                                   156000                       155553.62          Rate/Term Refinance
288503855                                 186309.2                       186084.97          Cash Out Refinance
288503862                                 352006.1                       351027.55          Cash Out Refinance
288503925                                    87000                         86755.8          Cash Out Refinance
288504011                                    55000                        54953.66          Cash Out Refinance
288504016                                   271470                       271049.37          Cash Out Refinance
288504035                                   280519                       280105.47          Cash Out Refinance
288504075                                    53000                        52964.42          Cash Out Refinance
288504163                                   328000                       327343.01          Rate/Term Refinance
288504201                                   217000                       216587.13          Rate/Term Refinance
288504314                                   381500                       380774.13          Cash Out Refinance
288504449                                    85598                        85560.43          Cash Out Refinance
288601519                                   630400                       627699.49          Rate/Term Refinance
288601974                                    91000                         90836.6          Cash Out Refinance
288601975                                    35000                        34825.42          Cash Out Refinance
288602135                                   225000                       224481.85          Cash Out Refinance
288602238                                    80000                        79782.41          Cash Out Refinance
288602244                                   225000                        224500.9          Cash Out Refinance
288602342                                   360000                       359285.09          Cash Out Refinance
288602395                                   110000                       109662.79          Cash Out Refinance
288602408                                   200000                       199619.47          Cash Out Refinance
288602469                                   237250                        236929.9          Cash Out Refinance
288602474                                   271000                       270596.48          Cash Out Refinance
288602557                                   169029                       168872.29          Cash Out Refinance
288602569                                   168000                       167705.05          Cash Out Refinance
288602583                                 309886.5                       309611.17          Cash Out Refinance
288602604                                   220000                       219581.42          Cash Out Refinance
288602703                                   191000                       190636.58          Rate/Term Refinance
288602790                                   135000                       134938.33          Cash Out Refinance
288701481                                 334033.5                       332376.95          Rate/Term Refinance
288701773                                   182000                          181597          Cash Out Refinance
288701783                                    44000                        43815.01          Cash Out Refinance
288701869                                174344.49                       173956.01          Cash Out Refinance
288701977                                   234019                       233462.51          Cash Out Refinance
288701989                                   452000                       451036.74          Cash Out Refinance
288702021                                   210000                       209677.82          Cash Out Refinance
288702022                                   377450                       376677.38          Cash Out Refinance
288702055                                   217323                       217108.36          Cash Out Refinance
288702076                                   140000                       139733.62          Cash Out Refinance
288702108                                 275538.5                       274999.09          Rate/Term Refinance
288702197                                   125000                       124873.92          Cash Out Refinance
288801836                                278897.85                       277973.17          Cash Out Refinance
288801876                                    53000                        52901.19          Cash Out Refinance
288802024                                   467500                       465949.73          Cash Out Refinance
288802116                                    70000                        69661.12          Cash Out Refinance
288802293                                   170980                       169418.46          Cash Out Refinance
288802337                                 192352.5                       191986.53          Cash Out Refinance
288802352                                 424930.5                       423714.59          Cash Out Refinance
288802354                                   129000                       128709.27          Cash Out Refinance
288802387                                   438700                        437444.7          Cash Out Refinance
288802426                                    88500                        88321.41          Cash Out Refinance
288802436                                   389107                       388467.24          Rate/Term Refinance
288802469                                   495842                       494943.07          Cash Out Refinance
288802521                                   178150                       177620.42          Cash Out Refinance
288802532                                   343862                       343243.77          Rate/Term Refinance
288901315                                   264800                       264132.04          Cash Out Refinance
289001193                                   100000                        99632.44          Cash Out Refinance
289001405                                   109500                       109271.27          Cash Out Refinance
289001463                                   268000                       267499.82          Cash Out Refinance
289001562                                   431500                       430747.56          Cash Out Refinance
289001605                                    27500                        27431.46          Cash Out Refinance
289102552                                   376156                       374964.51          Cash Out Refinance
289103158                                  54982.2                        54896.01          Cash Out Refinance
289103169                                    80000                        79896.28          Cash Out Refinance
289103204                                 192499.5                       192369.75          Cash Out Refinance
289103277                                  92563.5                        92467.15          Cash Out Refinance
289103284                                    95600                        95553.95          Cash Out Refinance
289202585                                    44000                        43415.59          Cash Out Refinance
289202628                                    58400                        58089.29          Cash Out Refinance
289202673                                    62100                        61939.95          Cash Out Refinance
289202713                                    30000                        29969.99          Cash Out Refinance
289202886                                    18000                        17951.81          Cash Out Refinance
289203005                                   445000                       444131.88          Cash Out Refinance
289203104                                   130400                       129658.19          Cash Out Refinance
289203142                                   100000                        99807.37          Cash Out Refinance
289203150                                   219000                       218630.85          Rate/Term Refinance
289203167                                   120000                       119889.93          Cash Out Refinance
289203181                                  95748.8                         95612.6          Rate/Term Refinance
289203186                                    68000                        67916.45          Cash Out Refinance
289203204                                 111076.2                       110864.85          Cash Out Refinance
289203222                                   120000                       119892.24          Cash Out Refinance
289203437                                  69964.5                        69863.56          Cash Out Refinance
289203487                                    94400                        94230.52          Rate/Term Refinance
289301511                                    50000                        49921.64          Cash Out Refinance
289301894                                    85000                        84509.76          Cash Out Refinance
289301899                                   428000                       427282.32          Cash Out Refinance
289301918                                   365000                       364457.11          Cash Out Refinance
289301946                                 192499.5                       192279.55          Rate/Term Refinance
289302097                                   155000                       154705.08          Cash Out Refinance
289302133                                    60000                        59872.13          Cash Out Refinance
289302287                                    85000                        84916.05          Cash Out Refinance
289401190                                    35213                        35161.95          Cash Out Refinance
289401282                                    35765                        35593.16          Cash Out Refinance
289401389                                  64180.2                        63919.02          Cash Out Refinance
289401461                                    17000                        16912.21          Cash Out Refinance
289401468                                    54900                        54712.94          Cash Out Refinance
289401545                                    85137                        84879.32          Cash Out Refinance
289401567                                   124431                       124110.33          Cash Out Refinance
289401929                                   467500                       466452.62          Cash Out Refinance
289401954                                    45000                        44808.87          Cash Out Refinance
289402013                                   192800                       192274.27          Rate/Term Refinance
289402161                                    93350                        93169.38          Cash Out Refinance
289402314                                 65399.85                        64707.95          Cash Out Refinance
289402345                                 209450.5                       209051.98          Cash Out Refinance
289402478                                   188078                       187786.58          Cash Out Refinance
289500244                                   500000                          500000          Cash Out Refinance
289500274                                   266049                       265059.18          Cash Out Refinance
289500275                                    60000                        59760.75          Purchase
289500278                                   360000                       359135.46          Cash Out Refinance
289500284                                    85000                        84796.01          Cash Out Refinance
289500297                                   306000                       304872.86          Purchase
289500304                                   282800                       281846.09          Cash Out Refinance
289500305                                    64150                        63968.57          Purchase
289500307                                   150000                       149578.07          Purchase
289500315                                  73387.5                        73097.74          Purchase
289500339                                   107325                       106980.79          Purchase
289500340                                    83200                        82985.57          Purchase
289500349                                    69275                        69181.31          Purchase
289500374                                  65075.4                        64955.07          Purchase
289500400                                   167850                       167573.47          Cash Out Refinance
289500401                                   133250                        133115.6          Cash Out Refinance
289500408                                    30000                           29987          Cash Out Refinance
289500413                                    53901                        53847.19          Purchase
289500425                                   340000                       339395.44          Cash Out Refinance
289500434                                    73800                         73694.8          Purchase
289500435                                   148800                       148555.33          Rate/Term Refinance
289600248                                   280000                       278892.37          Purchase
289600302                                   284800                        284745.3          Purchase
289600406                                   128000                          128000          Purchase
289600411                                   341960                       341875.22          Cash Out Refinance
289600420                                   331619                       330749.17          Cash Out Refinance
289600480                                   215200                          215200          Purchase
289600485                                   375000                       373935.18          Cash Out Refinance
289600537                                   400000                          400000          Purchase
289600567                                   196200                          195899          Purchase
289600591                                   235000                       234602.07          Cash Out Refinance
289600603                                   328000                       327999.33          Purchase
289600614                                   391000                          391000          Rate/Term Refinance
289600631                                    68000                         67966.9          Purchase
289600696                                    55600                        55557.49          Purchase
289801683                                   127500                       127181.27          Rate/Term Refinance
289801732                                    35000                        34757.06          Cash Out Refinance
289801777                                    54600                         54476.8          Cash Out Refinance
289802111                                    52845                        52608.21          Cash Out Refinance
289802141                                    50000                        49871.43          Cash Out Refinance
289802253                                    59200                        59170.25          Cash Out Refinance
289900006                                   143200                       142466.97          Rate/Term Refinance
289900608                                    66450                        66298.92          Cash Out Refinance
289901035                                    40000                        39824.73          Cash Out Refinance
289901266                                   241082                       240286.76          Rate/Term Refinance
289901306                                 181930.9                       181485.31          Cash Out Refinance
289901324                                 100579.5                       100306.42          Cash Out Refinance
289901441                                    30400                        30123.96          Cash Out Refinance
289901710                                 106862.5                       106682.17          Cash Out Refinance
289901772                                    74250                        74098.48          Cash Out Refinance
289901879                                 107717.4                       107612.34          Cash Out Refinance
289901904                                    97000                        96722.44          Rate/Term Refinance
289901920                                   120000                          119723          Rate/Term Refinance
289902040                                   500000                       499617.71          Rate/Term Refinance
289902055                                 114607.5                       114495.48          Cash Out Refinance
289902188                                   101850                        101696.9          Cash Out Refinance
290000005                                    50000                        49950.08          Cash Out Refinance
290000064                                    56500                        56375.89          Cash Out Refinance
290000095                                    78500                        78382.18          Cash Out Refinance
290200743                                    50000                        49933.35          Cash Out Refinance
290200828                                   343862                       343055.44          Cash Out Refinance
290200878                                   160980                       160521.07          Cash Out Refinance
290201420                                  92852.7                        92713.05          Cash Out Refinance
290201448                                 154857.5                       154271.35          Cash Out Refinance
290300076                                 277842.5                       276849.25          Cash Out Refinance
290300109                                  92563.5                        92140.53          Cash Out Refinance
290300275                                   150000                       149458.43          Cash Out Refinance
290300517                                 245409.3                       244771.11          Cash Out Refinance
290300548                                304771.85                       303715.67          Cash Out Refinance
290300549                                 149607.5                          149373          Cash Out Refinance
290300592                                    80490                        80210.44          Cash Out Refinance
290300634                                    28700                        28582.01          Cash Out Refinance
290300746                                 184658.4                       184299.05          Cash Out Refinance
290300758                                   189000                       188554.99          Cash Out Refinance
290300927                                   140000                       139765.53          Cash Out Refinance
290301015                                 149607.5                       149395.47          Cash Out Refinance
290301108                                 511111.5                       510222.85          Cash Out Refinance
290301381                                   105735                       105652.52          Cash Out Refinance
290301407                                   110300                       110266.27          Cash Out Refinance
290301559                                 226548.5                       226362.43          Cash Out Refinance
290400004                                    35000                        34952.68          Cash Out Refinance
290400011                                    61300                        61186.62          Cash Out Refinance
290400259                                 152172.2                       151979.42          Cash Out Refinance
290400615                                    21600                        21595.43          Cash Out Refinance
290500025                                   445000                       443952.24          Rate/Term Refinance
290500029                                   320000                       319206.94          Cash Out Refinance
290500569                                   211372                       211125.35          Cash Out Refinance
290600077                                   235000                       234609.79          Cash Out Refinance
290600154                                   496548                       495865.76          Cash Out Refinance
290800024                                   100000                        99959.82          Cash Out Refinance
290900066                                   380000                        379434.2          Cash Out Refinance
291000024                                   204300                       203846.83          Cash Out Refinance
291000084                                   221200                       220832.72          Cash Out Refinance
291000114                                   133200                       133026.03          Cash Out Refinance
291000136                                   185000                       184693.57          Cash Out Refinance
291000173                                   189921                       189559.64          Cash Out Refinance
291000206                                 189956.4                       189765.41          Cash Out Refinance
291000234                                    97000                        96834.13          Cash Out Refinance
291000250                                   150980                       150790.68          Cash Out Refinance
291000257                                   289750                       289565.23          Rate/Term Refinance
291000349                                   148200                       148129.82          Cash Out Refinance
291000406                                   211923                       211803.57          Rate/Term Refinance
291100015                                   452450                       451668.69          Cash Out Refinance
291100043                                   474000                       473098.16          Cash Out Refinance
291100075                                   142000                       141827.33          Cash Out Refinance
291100117                                 432542.2                        431742.7          Rate/Term Refinance
291100153                                   520000                       519010.63          Rate/Term Refinance
291100234                                 303141.5                       302890.55          Cash Out Refinance
291100444                                    77500                        77463.45          Cash Out Refinance
291300090                                 69574.85                        69554.72          Cash Out Refinance

Loan Number                 Index                      Margin                  Next Adjustment Date
-------------------------------------------------------------------------------------------------------------
148902757                   124                                   8.24                              7/1/2006
148903494                   115                                      0
148903544                   153                                   5.95                              6/1/2008
148903593                   124                                   5.95                              1/1/2007
148903683                   153                                   5.09                              1/1/2008
148903848                   124                                   5.85                              2/1/2007
148903879                   115                                      0
148903910                   124                                    5.4                              7/1/2007
148903977                   124                                   5.49                              7/1/2007
148904068                   124                                    4.5                              4/1/2007
148904107                   124                                   4.95                              8/1/2007
148904181                   124                                   5.05                              8/1/2007
148904192                   124                                    5.3                              7/1/2007
148904196                   124                                    4.3                              9/1/2007
148904235                   124                                   5.05                              9/1/2007
148904239                   124                                   4.85                              3/1/2007
148904291                   124                                   5.15                              8/1/2007
148904442                   153                                   4.15                              7/1/2008
148904451                   124                                   7.55                              7/1/2007
148904499                   110                                      0
148904533                   124                                   5.95                              4/1/2007
148904537                   124                                   7.85                              6/1/2007
148904540                   124                                    4.6                              7/1/2007
148904543                   124                                    4.8                              4/1/2007
148904664                   153                                    4.4                              6/1/2008
148904698                   124                                   5.16                              7/1/2007
148904705                   153                                   4.25                              6/1/2008
148904761                   124                                   5.15                              7/1/2007
148904781                   124                                    4.2                              6/1/2007
148904799                   110                                      0
148904810                   124                                    6.5                              6/1/2007
148904845                   153                                    4.5                              6/1/2008
148904859                   153                                   4.15                              7/1/2008
148904867                   124                                   6.06                              7/1/2007
148904868                   124                                   5.25                              7/1/2007
148904880                   124                                      5                              8/1/2007
148904888                   124                                   5.45                              6/1/2007
148904894                   124                                   3.98                              6/1/2007
148904949                   110                                      0
148904955                   124                                    4.4                              6/1/2007
148904957                   153                                  4.225                              6/1/2008
148904964                   124                                    4.7                              7/1/2007
148904975                   110                                      0
148904992                   124                                      5                              6/1/2007
148904999                   153                                   4.66                              7/1/2008
148905006                   124                                   4.75                              6/1/2007
148905009                   153                                   5.23                              6/1/2008
148905019                   153                                   5.65                              6/1/2008
148905020                   124                                    6.6                              6/1/2007
148905021                   124                                    5.1                              6/1/2007
148905023                   124                                   3.85                              6/1/2007
148905027                   124                                    4.2                              6/1/2007
148905028                   115                                      0
148905031                   153                                   4.15                              6/1/2008
148905037                   124                                      6                              6/1/2007
148905038                   153                                   3.99                              6/1/2008
148905042                   153                                    5.2                              6/1/2008
148905044                   115                                      0
148905045                   124                                   4.55                              6/1/2007
148905048                   110                                      0
148905052                   124                                   6.34                              6/1/2007
148905053                   124                                    4.4                              6/1/2007
148905055                   124                                   5.15                              6/1/2007
148905060                   124                                   5.25                              6/1/2007
148905061                   110                                      0
148905062                   110                                      0
148905064                   124                                   3.95                              8/1/2007
148905066                   110                                      0
148905067                   124                                    4.6                              6/1/2007
148905069                   115                                      0
148905070                   110                                      0
148905071                   110                                      0
148905073                   124                                    4.7                              6/1/2007
148905074                   124                                   5.45                              7/1/2007
148905076                   110                                      0
148905077                   110                                      0
148905078                   124                                    4.9                              6/1/2007
148905083                   110                                      0
148905085                   124                                    4.8                              6/1/2007
148905088                   153                                    3.1                              6/1/2008
148905089                   124                                    5.7                              6/1/2007
148905092                   124                                   4.55                              7/1/2007
148905093                   110                                      0
148905095                   124                                   5.25                              6/1/2007
148905100                   124                                    5.4                              6/1/2007
148905102                   124                                    6.1                              6/1/2007
148905106                   124                                   4.64                              6/1/2007
148905108                   153                                    5.4                              6/1/2008
148905111                   124                                   6.63                              6/1/2007
148905113                   124                                    4.2                              7/1/2007
148905114                   124                                   4.05                              7/1/2007
148905116                   115                                      0
148905117                   115                                      0
148905122                   124                                   5.18                              6/1/2007
148905124                   115                                      0
148905125                   115                                      0
148905126                   124                                   4.24                              6/1/2007
148905127                   115                                      0
148905128                   115                                      0
148905129                   115                                      0
148905131                   124                                    5.1                              6/1/2007
148905135                   110                                      0
148905140                   115                                      0
148905141                   124                                   5.67                              7/1/2007
148905142                   124                                   4.36                              6/1/2007
148905147                   115                                      0
148905148                   115                                      0
148905149                   115                                      0
148905153                   153                                   5.95                              6/1/2008
148905154                   124                                   4.85                              6/1/2007
148905155                   124                                   5.31                              7/1/2007
148905156                   153                                   3.85                              6/1/2008
148905158                   124                                   5.48                              7/1/2007
148905159                   115                                      0
148905160                   115                                      0
148905161                   110                                      0
148905163                   153                                   5.95                              6/1/2008
148905166                   115                                      0
148905167                   124                                   6.45                              6/1/2007
148905168                   153                                    5.1                              7/1/2008
148905171                   124                                   5.05                              7/1/2007
148905176                   115                                      0
148905177                   124                                   5.31                              7/1/2007
148905178                   110                                      0
148905179                   124                                    4.9                              6/1/2007
148905180                   115                                      0
148905181                   115                                      0
148905183                   110                                      0
148905184                   153                                    5.2                              7/1/2008
148905185                   115                                      0
148905186                   110                                      0
148905188                   110                                      0
148905189                   115                                      0
148905191                   115                                      0
148905194                   115                                      0
148905196                   124                                    4.3                              8/1/2007
148905197                   115                                      0
148905199                   115                                      0
148905201                   115                                      0
148905207                   115                                      0
148905209                   124                                   5.25                              7/1/2007
148905214                   110                                      0
148905216                   124                                   4.86                              7/1/2007
148905217                   110                                      0
148905224                   115                                      0
148905225                   124                                   5.35                              7/1/2007
148905226                   124                                   5.24                              7/1/2007
148905227                   110                                      0
148905228                   124                                   4.99                              7/1/2007
148905230                   115                                      0
148905231                   124                                    4.5                              7/1/2007
148905233                   124                                   3.95                              7/1/2007
148905237                   110                                      0
148905238                   124                                    5.2                              8/1/2007
148905239                   124                                    4.5                              8/1/2007
148905240                   110                                      0
148905242                   124                                   4.65                              7/1/2007
148905244                   115                                      0
148905255                   124                                   6.05                              7/1/2007
148905257                   124                                    4.8                              7/1/2007
148905259                   153                                   6.75                              7/1/2008
148905260                   124                                   5.55                              7/1/2007
148905262                   153                                    4.7                              7/1/2008
148905265                   110                                      0
148905267                   124                                   5.24                              7/1/2007
148905269                   124                                    4.9                              7/1/2007
148905272                   115                                      0
148905273                   115                                      0
148905274                   115                                      0
148905285                   124                                   4.54                              7/1/2007
148905287                   110                                      0
148905289                   110                                      0
148905291                   115                                      0
148905292                   124                                    4.9                              7/1/2007
148905293                   110                                      0
148905294                   115                                      0
148905295                   110                                      0
148905300                   124                                   5.35                              7/1/2007
148905304                   110                                      0
148905305                   110                                      0
148905306                   115                                      0
148905307                   115                                      0
148905309                   124                                    5.6                              7/1/2007
148905310                   110                                      0
148905314                   124                                      6                              7/1/2007
148905317                   110                                      0
148905319                   124                                   5.21                              7/1/2007
148905320                   115                                      0
148905321                   124                                   5.13                              7/1/2007
148905324                   110                                      0
148905328                   115                                      0
148905330                   124                                    4.3                              7/1/2007
148905331                   115                                      0
148905332                   124                                      5                              7/1/2007
148905335                   124                                   4.15                              7/1/2007
148905339                   124                                   5.25                              8/1/2007
148905340                   110                                      0
148905343                   124                                    5.1                              7/1/2007
148905348                   124                                   5.25                              7/1/2007
148905352                   124                                   4.35                              9/1/2007
148905355                   115                                      0
148905357                   110                                      0
148905358                   115                                      0
148905361                   124                                   5.47                              7/1/2007
148905362                   110                                      0
148905364                   124                                   5.05                              7/1/2007
148905365                   153                                   3.75                              7/1/2008
148905366                   110                                      0
148905368                   115                                      0
148905375                   124                                    6.3                              8/1/2007
148905376                   115                                      0
148905377                   153                                   4.85                              7/1/2008
148905379                   110                                      0
148905387                   153                                   6.55                              7/1/2008
148905389                   110                                      0
148905391                   110                                      0
148905398                   110                                      0
148905401                   115                                      0
148905404                   110                                      0
148905405                   115                                      0
148905406                   124                                   4.55                              7/1/2007
148905407                   110                                      0
148905414                   124                                    4.2                              8/1/2007
148905416                   110                                      0
148905417                   110                                      0
148905420                   124                                    5.2                              7/1/2007
148905424                   115                                      0
148905429                   153                                    4.4                              8/1/2008
148905433                   124                                   6.55                              8/1/2007
148905437                   124                                    4.8                              8/1/2007
148905438                   115                                      0
148905449                   110                                      0
148905451                   110                                      0
148905452                   124                                   4.29                              7/1/2007
148905453                   124                                    4.4                              8/1/2007
148905458                   124                                   5.25                              8/1/2007
148905465                   110                                      0
148905469                   115                                      0
148905472                   124                                   5.65                              8/1/2007
148905474                   110                                      0
148905475                   124                                    4.8                              9/1/2007
148905479                   124                                   5.25                              8/1/2007
148905488                   124                                    4.5                              8/1/2007
148905489                   124                                   4.34                              8/1/2007
148905490                   124                                   6.19                              8/1/2007
148905492                   124                                   4.12                              8/1/2007
148905493                   124                                    5.1                              8/1/2007
148905496                   124                                    3.4                              8/1/2007
148905500                   115                                      0
148905501                   124                                   5.25                              8/1/2007
148905503                   153                                      5                              8/1/2008
148905504                   115                                      0
148905506                   124                                   6.25                              8/1/2007
148905511                   153                                   4.65                              8/1/2008
148905515                   124                                    5.2                              8/1/2007
148905516                   124                                   5.75                              8/1/2007
148905517                   153                                    4.1                              8/1/2008
148905518                   110                                      0
148905521                   110                                      0
148905523                   110                                      0
148905525                   115                                      0
148905527                   124                                    4.8                              9/1/2007
148905530                   124                                   5.21                              8/1/2007
148905531                   124                                      4                              8/1/2007
148905538                   124                                   5.35                              8/1/2007
148905540                   124                                   3.45                              8/1/2007
148905541                   124                                   4.65                              9/1/2007
148905547                   124                                   5.55                              8/1/2007
148905548                   124                                   5.55                              9/1/2007
148905550                   124                                    4.8                              8/1/2007
148905552                   124                                    4.8                              9/1/2007
148905561                   153                                    4.9                              8/1/2008
148905563                   124                                    6.3                              8/1/2007
148905568                   124                                    5.3                              8/1/2007
148905571                   124                                   5.05                              8/1/2007
148905591                   124                                    4.5                              8/1/2007
148905596                   124                                    5.9                              8/1/2007
148905598                   124                                    4.7                              9/1/2007
148905599                   124                                    3.9                              9/1/2007
148905602                   124                                   3.75                              9/1/2007
148905605                   124                                   4.55                              9/1/2007
148905609                   124                                    2.7                              9/1/2007
148905610                   124                                   4.67                              9/1/2007
148905613                   124                                   4.05                              9/1/2007
148905623                   124                                   5.19                              9/1/2007
148905629                   153                                   3.95                              9/1/2008
148905640                   153                                   4.69                              9/1/2008
148905641                   124                                    3.5                              9/1/2007
148905642                   110                                      0
148905645                   124                                      5                              9/1/2007
148905651                   124                                   4.73                              9/1/2007
148905652                   124                                      6                              9/1/2007
148905654                   124                                   4.65                              9/1/2007
148905656                   110                                      0
148905659                   124                                   3.35                              9/1/2007
148905666                   124                                   5.15                              9/1/2007
148905669                   110                                      0
148905678                   124                                   4.65                              9/1/2007
148905685                   124                                    2.5                             10/1/2007
148905695                   124                                   3.95                              9/1/2007
148905713                   124                                   4.32                              9/1/2007
148905715                   110                                      0
148905719                   124                                   7.15                              9/1/2007
148905720                   124                                   4.22                              9/1/2007
148905723                   124                                    4.1                              9/1/2007
148905733                   124                                    4.5                              9/1/2007
148905737                   110                                      0
148905739                   124                                      3                              9/1/2007
148905745                   124                                    3.2                              9/1/2007
148905767                   124                                    5.9                             10/1/2007
148905772                   124                                   4.45                              9/1/2007
148905783                   153                                   4.35                              9/1/2008
148905851                   115                                      0
148905862                   110                                      0
148905863                   115                                      0
148905875                   110                                      0
148905883                   110                                      0
148905901                   110                                      0
148905921                   110                                      0
186300001                   124                                    5.2                              6/1/2007
186300003                   124                                    4.5                              7/1/2007
186300008                   124                                   4.15                              6/1/2007
186300011                   124                                    4.8                              8/1/2007
186300019                   124                                   4.55                              6/1/2007
186300024                   124                                    4.5                              6/1/2007
186300031                   153                                   4.65                              6/1/2008
186300038                   124                                   4.15                              6/1/2007
186300039                   124                                   4.85                              6/1/2007
186300042                   115                                      0
186300047                   124                                  3.775                              9/1/2007
186300048                   124                                    4.8                              6/1/2007
186300051                   153                                   4.59                              6/1/2008
186300055                   153                                    4.7                              6/1/2008
186300057                   124                                   3.85                              6/1/2007
186300064                   115                                      0
186300065                   124                                   6.32                              6/1/2007
186300067                   124                                      5                              6/1/2007
186300069                   124                                   4.85                              6/1/2007
186300071                   124                                  4.975                              7/1/2007
186300074                   115                                      0
186300075                   153                                   4.17                              6/1/2008
186300076                   153                                    4.8                              6/1/2008
186300079                   115                                      0
186300080                   115                                      0
186300086                   115                                      0
186300087                   124                                   4.25                              7/1/2007
186300088                   124                                   4.84                              6/1/2007
186300092                   115                                      0
186300093                   115                                      0
186300096                   124                                    5.2                              8/1/2007
186300099                   115                                      0
186300101                   115                                      0
186300105                   115                                      0
186300107                   124                                   4.35                              6/1/2007
186300108                   115                                      0
186300109                   115                                      0
186300111                   115                                      0
186300113                   115                                      0
186300114                   124                                    4.7                              7/1/2007
186300115                   115                                      0
186300116                   124                                    4.6                              6/1/2007
186300119                   124                                    4.1                              6/1/2007
186300120                   124                                    4.4                              7/1/2007
186300121                   124                                   4.85                              6/1/2007
186300122                   124                                    4.6                              7/1/2007
186300124                   115                                      0
186300126                   124                                    4.5                              8/1/2007
186300128                   115                                      0
186300129                   153                                   4.25                              7/1/2008
186300137                   124                                   4.85                              7/1/2007
186300139                   124                                   3.95                              6/1/2007
186300140                   124                                    5.9                              7/1/2007
186300142                   115                                      0
186300146                   115                                      0
186300148                   110                                      0
186300150                   115                                      0
186300157                   124                                    4.4                              7/1/2007
186300159                   124                                    5.4                              7/1/2007
186300160                   153                                    4.8                              7/1/2008
186300161                   124                                    4.7                              7/1/2007
186300163                   153                                    4.7                              7/1/2008
186300164                   124                                   4.75                              7/1/2007
186300167                   124                                   4.05                              7/1/2007
186300168                   124                                   4.35                              7/1/2007
186300175                   110                                      0
186300182                   115                                      0
186300184                   124                                    4.1                              8/1/2007
186300186                   115                                      0
186300190                   124                                    5.2                              7/1/2007
186300191                   124                                    4.2                              7/1/2007
186300192                   115                                      0
186300193                   124                                   5.75                              9/1/2007
186300195                   115                                      0
186300196                   124                                   4.65                              8/1/2007
186300197                   115                                      0
186300200                   115                                      0
186300203                   115                                      0
186300206                   124                                    4.3                              7/1/2007
186300208                   153                                    4.7                              7/1/2008
186300213                   115                                      0
186300214                   115                                      0
186300215                   110                                      0
186300216                   124                                    4.6                              8/1/2007
186300223                   115                                      0
186300225                   124                                    4.5                              8/1/2007
186300226                   115                                      0
186300234                   115                                      0
186300235                   124                                   4.75                              8/1/2007
186300236                   124                                   4.85                              9/1/2007
186300247                   115                                      0
186300253                   124                                   4.95                              7/1/2007
186300255                   115                                      0
186300256                   115                                      0
186300261                   124                                    4.9                              7/1/2007
186300262                   124                                   3.95                              8/1/2007
186300263                   124                                    4.5                              8/1/2007
186300264                   124                                   4.85                              7/1/2007
186300265                   124                                    4.7                              8/1/2007
186300266                   115                                      0
186300267                   153                                   3.75                              7/1/2008
186300269                   115                                      0
186300273                   124                                   4.99                              8/1/2007
186300276                   115                                      0
186300278                   115                                      0
186300279                   115                                      0
186300280                   124                                   4.25                              8/1/2007
186300281                   124                                    4.7                              8/1/2007
186300283                   115                                      0
186300284                   115                                      0
186300287                   124                                   4.05                              9/1/2007
186300294                   124                                    4.8                              8/1/2007
186300295                   110                                      0
186300296                   124                                   4.85                              8/1/2007
186300299                   124                                   4.34                              8/1/2007
186300302                   124                                    4.3                              9/1/2007
186300303                   115                                      0
186300311                   115                                      0
186300313                   110                                      0
186300319                   124                                   3.27                              8/1/2007
186300322                   124                                   4.75                              8/1/2007
186300325                   124                                   3.55                              8/1/2007
186300327                   124                                   4.75                              8/1/2007
186300329                   115                                      0
186300330                   124                                   3.55                              8/1/2007
186300334                   115                                      0
186300335                   124                                    4.3                              9/1/2007
186300336                   124                                    4.5                              8/1/2007
186300343                   124                                   3.55                              9/1/2007
186300352                   124                                    4.3                              8/1/2007
186300354                   124                                   3.35                              8/1/2007
186300357                   124                                    4.1                              9/1/2007
186300361                   115                                      0
186300363                   124                                   4.55                              8/1/2007
186300369                   153                                    4.3                              9/1/2008
186300376                   124                                    4.3                              9/1/2007
186300377                   124                                    4.1                              8/1/2007
186300380                   124                                      5                              8/1/2007
186300388                   153                                    4.1                              8/1/2008
186300411                   124                                   4.85                              9/1/2007
186300420                   124                                   4.45                              9/1/2007
186300422                   124                                    4.3                              9/1/2007
186300424                   124                                   3.75                              9/1/2007
186300425                   153                                    4.4                              9/1/2008
186300431                   124                                   3.92                              9/1/2007
186300444                   153                                    3.9                              9/1/2008
186300455                   124                                   3.45                              9/1/2007
186300467                   124                                   5.39                              9/1/2007
186300469                   153                                    4.6                              9/1/2008
186300470                   124                                    4.1                              9/1/2007
186300475                   124                                   5.05                              9/1/2007
186300481                   124                                    3.8                              9/1/2007
186300495                   124                                   3.85                              9/1/2007
186300496                   124                                   4.14                              9/1/2007
186300508                   124                                    4.2                              9/1/2007
186300512                   124                                    4.1                              9/1/2007
186300534                   124                                   4.25                              9/1/2007
186300581                   115                                      0
186500001                   124                                   5.01                              6/1/2007
186500002                   153                                    4.8                              6/1/2008
186500003                   124                                    4.6                              6/1/2007
186500006                   153                                   5.05                              7/1/2008
186500007                   110                                      0
186500008                   153                                   4.35                              6/1/2008
186500010                   110                                      0
186500011                   110                                      0
186500012                   124                                    5.4                              6/1/2007
186500013                   124                                   6.95                              6/1/2007
186500015                   110                                      0
186500016                   110                                      0
186500020                   153                                   5.05                              6/1/2008
186500026                   110                                      0
186500027                   110                                      0
186500034                   110                                      0
186500038                   110                                      0
186500040                   124                                    6.8                              7/1/2007
186500043                   124                                    4.9                              7/1/2007
186500045                   110                                      0
186500046                   124                                    4.3                              7/1/2007
186500048                   110                                      0
186500049                   110                                      0
186500052                   124                                   4.99                              7/1/2007
186500054                   153                                   4.95                              7/1/2008
186500055                   110                                      0
186500058                   153                                   4.95                              8/1/2008
186500059                   110                                      0
186500060                   110                                      0
186500061                   153                                    3.7                              7/1/2008
186500064                   115                                      0
186500065                   115                                      0
186500066                   110                                      0
186500067                   124                                    3.9                              7/1/2007
186500068                   124                                    4.6                              7/1/2007
186500070                   110                                      0
186500074                   124                                    4.5                              8/1/2007
186500077                   110                                      0
186500078                   115                                      0
186500082                   124                                      6                              8/1/2007
186500085                   115                                      0
186500088                   124                                   5.85                              8/1/2007
186500094                   124                                   5.35                              8/1/2007
186500098                   153                                   4.75                              8/1/2008
186500099                   110                                      0
186500103                   110                                      0
186500107                   124                                   5.39                              9/1/2007
186500108                   124                                    5.6                              8/1/2007
186500111                   110                                      0
186500113                   153                                    4.9                              8/1/2008
186500115                   110                                      0
186500121                   153                                   4.65                              9/1/2008
186500123                   153                                   4.55                              9/1/2008
186500124                   124                                   5.55                              8/1/2007
186500127                   153                                   4.05                              9/1/2008
186500130                   124                                   5.75                              8/1/2007
186500138                   153                                   4.75                              8/1/2008
186500140                   153                                   4.05                              8/1/2008
186500158                   153                                   4.55                              9/1/2008
186500159                   124                                    5.6                              9/1/2007
186500162                   124                                   4.15                              9/1/2007
186500166                   153                                   4.45                              9/1/2008
186500167                   110                                      0
186500169                   124                                   4.95                              9/1/2007
186500176                   124                                    4.9                              9/1/2007
186500178                   110                                      0
186500180                   110                                      0
186500181                   124                                   4.55                              9/1/2007
186500182                   153                                   5.15                              9/1/2008
186500186                   110                                      0
186500193                   153                                   4.45                              9/1/2008
186500200                   110                                      0
186500204                   110                                      0
186500205                   124                                   3.95                              9/1/2007
186500220                   124                                  3.475                              9/1/2007
186500248                   124                                   6.45                             10/1/2007
186500251                   153                                    4.8                             10/1/2008
186500261                   110                                      0
240012605                   153                                   7.09                              6/1/2008
240012631                   153                                   6.44                              6/1/2008
240012633                   110                                      0
240012645                   115                                      0
240012648                   153                                   4.09                             5/15/2008
240012654                   153                                   3.85                              6/1/2008
240012676                   110                                      0
240012681                   110                                      0
240012708                   153                                    7.7                              6/1/2008
240012722                   153                                    6.3                             6/15/2008
240012751                   124                                   5.55                              7/1/2007
240012798                   153                                   6.05                              8/1/2008
240012800                   153                                    4.9                              8/1/2008
240012824                   124                                   4.25                              8/1/2007
240012825                   124                                   5.95                             8/15/2007
240012829                   110                                      0
240012830                   153                                    6.7                              8/1/2008
240012833                   153                                   6.54                              9/1/2008
240012836                   110                                      0
240012843                   124                                   3.95                             8/15/2007
240012846                   153                                   6.75                              9/1/2008
240012870                   153                                   4.35                              9/1/2008
240012888                   124                                    6.7                              9/1/2007
240012901                   110                                      0
240012916                   110                                      0
240101101                   110                                      0
240101228                   110                                      0
240215524                   124                                   6.59                              8/1/2007
240215552                   110                                      0
240215564                   110                                      0
240215630                   124                                   5.09                             5/15/2007
240215693                   124                                    5.9                             5/15/2007
240215694                   124                                    7.2                              6/1/2007
240215803                   110                                      0
240215836                   124                                   5.35                              6/1/2007
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240216231                   115                                      0
240216245                   124                                   6.79                              8/1/2007
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240216400                   110                                      0
240216427                   110                                      0
240216442                   124                                    7.1                             8/15/2007
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240302248                   110                                      0
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240602651                   110                                      0
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240806526                   110                                      0
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241517871                   110                                      0
241600766                   110                                      0
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241604555                   110                                      0
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241718657                   115                                      0
241718858                   110                                      0
241718919                   110                                      0
241718931                   115                                      0
241718932                   153                                    6.9                              7/1/2008
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241807413                   115                                      0
241902082                   110                                      0
241902141                   110                                      0
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242005754                   110                                      0
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242217930                   115                                      0
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242218825                   110                                      0
242307675                   110                                      0
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242319119                   124                                    7.6                             5/15/2007
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242400789                   110                                      0
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242415000                   110                                      0
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242711976                   110                                      0
242711991                   110                                      0
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242712158                   110                                      0
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242819831                   110                                      0
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242820155                   115                                      0
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242820480                   110                                      0
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242820513                   110                                      0
242820516                   110                                      0
242900629                   110                                      0
242900720                   110                                      0
242900722                   110                                      0
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242907948                   110                                      0
242908182                   110                                      0
242922647                   124                                    5.8                              6/1/2007
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243103471                   110                                      0
243113201                   153                                   6.85                              2/1/2008
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243114037                   153                                   7.95                              6/1/2008
243114355                   110                                      0
243114358                   110                                      0
243114435                   124                                   5.39                              7/1/2007
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243114620                   124                                   6.55                              8/1/2007
243114685                   110                                      0
243114706                   153                                   5.99                             7/15/2008
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243114743                   110                                      0
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243214465                   110                                      0
243214692                   110                                      0
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243214751                   124                                    6.3                              8/1/2007
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243303923                   110                                      0
243319598                   124                                   5.95                              8/1/2007
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243416794                   124                                      6                             6/15/2007
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243417012                   124                                   5.49                              8/1/2007
243417021                   110                                      0
243417065                   124                                    7.3                              8/1/2007
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243417230                   124                                   8.48                             9/15/2007
243417252                   124                                   6.79                             8/15/2007
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243503962                   110                                      0
243504008                   124                                    3.9                              2/1/2006
243504167                   110                                      0
243504322                   124                                   7.04                              2/1/2006
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243521285                   124                                   8.09                              6/1/2007
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243521565                   124                                   5.55                             7/15/2007
243521645                   110                                      0
243521726                   124                                   5.05                             7/15/2007
243521759                   110                                      0
243521796                   124                                   4.25                              8/1/2007
243521823                   124                                   6.35                              8/1/2007
243521835                   124                                    6.4                              8/1/2007
243521837                   110                                      0
243521874                   110                                      0
243521876                   110                                      0
243521909                   124                                    7.3                             8/15/2007
243521931                   124                                   6.05                             8/15/2007
243521963                   110                                      0
243521972                   124                                    8.2                              9/1/2007
243521981                   124                                   5.95                             8/15/2007
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243522052                   124                                   7.59                             10/1/2007
243522059                   124                                   6.95                             10/1/2007
243522078                   124                                   7.15                              9/1/2007
243522098                   124                                   3.85                              9/1/2007
243522101                   124                                    7.8                             10/1/2007
243522117                   124                                    4.4                              9/1/2007
243522172                   124                                   3.85                              9/1/2007
243522355                   110                                      0
243603756                   110                                      0
243603797                   110                                      0
243603923                   110                                      0
243604063                   110                                      0
243604106                   110                                      0
243604237                   110                                      0
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243604372                   110                                      0
243604407                   110                                      0
243604489                   110                                      0
243604512                   110                                      0
243604558                   110                                      0
243604589                   110                                      0
243604658                   110                                      0
243615927                   110                                      0
243616087                   124                                    6.8                              5/1/2007
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243713108                   124                                   4.09                             5/15/2007
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243713265                   110                                      0
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243713473                   124                                    8.3                             7/15/2007
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243713745                   124                                   4.05                             8/15/2007
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243713761                   110                                      0
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243714044                   124                                    7.9                             10/1/2007
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243818008                   124                                      6                              6/1/2007
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243818207                   124                                   5.65                              7/1/2007
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243818520                   124                                   6.15                             8/15/2007
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243901657                   110                                      0
244102814                   115                                      0
244102836                   110                                      0
244102897                   124                                      6                            12/15/2005
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244103224                   115                                      0
244103305                   115                                      0
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244123824                   124                                    5.5                             6/15/2007
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244211551                   110                                      0
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244402480                   110                                      0
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244502599                   110                                      0
244502600                   110                                      0
244502643                   110                                      0
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244519218                   124                                   7.09                             5/15/2007
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244519534                   124                                      7                              7/1/2007
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244601535                   110                                      0
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244816010                   110                                      0
244900460                   110                                      0
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245002278                   110                                      0
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245409401                   115                                      0
245409403                   115                                      0
245409412                   115                                      0
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245708411                   115                                      0
246002252                   110                                      0
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246010165                   124                                    3.7                              9/1/2007
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246205371                   110                                      0
246205376                   153                                   4.55                             5/15/2008
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246205526                   110                                      0
246205531                   110                                      0
246205593                   124                                   4.35                             10/1/2007
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246300602                   124                                    4.7                             1/15/2006
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246404501                   124                                   3.75                              8/1/2007
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246404591                   110                                      0
246501504                   124                                   3.17                              3/1/2006
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246704911                   124                                   5.95                              6/1/2007
246704929                   124                                      6                              6/1/2007
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246704938                   124                                   5.21                              6/1/2007
246704971                   124                                   5.95                             6/15/2007
246704991                   110                                      0
246704997                   124                                   5.55                             7/15/2007
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246705025                   124                                    6.6                              9/1/2007
246705039                   124                                   4.35                              9/1/2007
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246808134                   110                                      0
246808135                   124                                   5.69                              6/1/2007
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246808240                   110                                      0
246808359                   110                                      0
246808392                   110                                      0
246903676                   124                                   6.09                              6/1/2007
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247305511                   153                                   4.99                              8/1/2008
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247305618                   110                                      0
247305632                   153                                   4.59                              9/1/2008
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247305651                   115                                      0
247305662                   115                                      0
247305664                   124                                    4.4                             9/15/2007
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247404265                   124                                   7.88                              6/1/2007
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247404470                   124                                    4.3                              6/1/2007
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247404548                   124                                    7.2                              7/1/2007
247404557                   110                                      0
247404580                   124                                   6.15                              7/1/2007
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247404696                   110                                      0
247404710                   110                                      0
247404721                   153                                   7.29                              8/1/2008
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247404811                   124                                    6.1                             9/15/2007
247404832                   110                                      0
247404840                   124                                    3.7                              9/1/2007
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247404896                   124                                    5.2                             9/15/2007
247404906                   110                                      0
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247404931                   110                                      0
247404937                   110                                      0
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247603414                   153                                   5.45                              9/1/2008
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247603453                   110                                      0
248605215                   153                                    4.7                              5/1/2008
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248605310                   153                                   4.85                              6/1/2008
248605402                   110                                      0
248605419                   153                                   5.09                              6/1/2008
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248605489                   124                                    5.1                              6/1/2007
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248605499                   110                                      0
248605502                   124                                   5.57                              6/1/2007
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248605527                   124                                   6.05                              6/1/2007
248605530                   124                                    4.7                              6/1/2007
248605537                   115                                      0
248605539                   153                                   5.85                              6/1/2008
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248605546                   153                                   5.85                              6/1/2008
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248605549                   115                                      0
248605551                   153                                   6.45                              6/1/2008
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248605553                   124                                   5.25                              6/1/2007
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248605562                   124                                   6.64                              7/1/2007
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248605576                   124                                      5                              6/1/2007
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248605602                   153                                   4.82                              7/1/2008
248605612                   124                                    5.8                              6/1/2007
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248605627                   124                                   4.35                              6/1/2007
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248605643                   115                                      0
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248605661                   115                                      0
248605663                   115                                      0
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248605712                   110                                      0
248605719                   115                                      0
248605724                   115                                      0
248605726                   115                                      0
248605727                   115                                      0
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248605740                   153                                   6.05                              7/1/2008
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248605748                   115                                      0
248605759                   110                                      0
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248605784                   110                                      0
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248605789                   124                                    6.2                              7/1/2007
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248605808                   115                                      0
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248605818                   153                                   5.05                              7/1/2008
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248605836                   115                                      0
248605840                   115                                      0
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248605846                   115                                      0
248605847                   115                                      0
248605848                   115                                      0
248605855                   115                                      0
248605856                   124                                    5.3                              8/1/2007
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248605912                   153                                   5.55                              9/1/2008
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248605919                   124                                    4.3                              8/1/2007
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248605928                   115                                      0
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248605935                   124                                   4.75                              9/1/2007
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248605970                   124                                    4.8                              8/1/2007
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248606000                   110                                      0
248606005                   115                                      0
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248606045                   110                                      0
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248606253                   115                                      0
248606311                   115                                      0
248606328                   110                                      0
248606335                   110                                      0
248606338                   115                                      0
248606339                   153                                   6.55                             10/1/2008
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248606346                   124                                    5.4                             10/1/2007
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248606363                   110                                      0
248606369                   115                                      0
248606370                   115                                      0
248606383                   110                                      0
248606420                   153                                   7.45                             10/1/2008
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249007245                   110                                      0
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249107149                   110                                      0
249107256                   110                                      0
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249121650                   124                                   8.05                              6/1/2007
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249121766                   124                                  10.45                              8/1/2007
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249121875                   110                                      0
249122003                   110                                      0
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249122104                   110                                      0
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249122236                   124                                    4.7                             8/15/2007
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249200018                   110                                      0
249208152                   110                                      0
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249226905                   124                                   8.09                              7/1/2007
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249227063                   124                                   7.75                              8/1/2007
249227080                   110                                      0
249227165                   124                                    8.4                              8/1/2007
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249305518                   110                                      0
249305578                   110                                      0
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249321417                   110                                      0
249321418                   124                                    7.4                              8/1/2007
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249321560                   124                                   5.45                             8/15/2007
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249403952                   110                                      0
249404233                   110                                      0
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249522316                   110                                      0
249522493                   110                                      0
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249522766                   124                                    5.6                              7/1/2007
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249523114                   110                                      0
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249523439                   110                                      0
249602746                   110                                      0
249602976                   110                                      0
249615513                   124                                    8.1                              5/1/2007
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249615644                   124                                   6.75                             5/15/2007
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249616183                   110                                      0
249616193                   110                                      0
249616281                   124                                   6.99                             8/15/2007
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249818257                   110                                      0
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250800528                   110                                      0
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251100844                   115                                      0
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251100893                   124                                      3                             10/1/2007
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251401143                   153                                   6.05                             8/15/2008
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251401183                   110                                      0
251401198                   124                                    6.4                              9/1/2007
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251500889                   153                                    5.3                             4/15/2008
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251500941                   110                                      0
251500947                   153                                  4.775                              6/1/2008
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251500982                   153                                    6.8                              6/1/2008
251501002                   153                                    6.1                              7/1/2008
251501028                   153                                   4.75                              7/1/2008
251501032                   153                                   4.85                              7/1/2008
251501044                   153                                   5.65                              8/1/2008
251501047                   110                                      0
251501065                   153                                   4.65                              8/1/2008
251501070                   124                                   6.45                              9/1/2007
251501086                   153                                    3.2                              8/1/2008
251501135                   153                                   3.15                              9/1/2008
251501162                   110                                      0
251501165                   153                                    4.4                              9/1/2008
251501197                   124                                   3.35                             9/15/2007
251501199                   110                                      0
251600978                   153                                    5.7                              4/1/2008
251601038                   153                                   5.05                             4/15/2008
251601169                   153                                      5                              6/1/2008
251601213                   110                                      0
251601218                   153                                   5.95                             7/15/2008
251601284                   153                                   4.05                             8/15/2008
251601290                   153                                    4.3                              8/1/2008
251601321                   110                                      0
251601351                   153                                      4                             9/15/2008
251601352                   110                                      0
251601362                   153                                   4.15                              9/1/2008
251601373                   153                                   3.95                              9/1/2008
251601388                   153                                    3.5                             9/15/2008
251601389                   110                                      0
252004760                   124                                    5.7                              6/1/2007
252004802                   124                                   7.14                              7/1/2007
252004856                   153                                   5.39                              7/1/2008
252004868                   153                                    6.7                             7/15/2008
252004887                   153                                   6.15                              8/1/2008
252004960                   124                                   6.59                             8/15/2007
252005002                   153                                   6.09                              9/1/2008
252005034                   124                                   6.09                              9/1/2007
252005046                   124                                   5.85                              9/1/2007
252005053                   124                                    4.8                             9/15/2007
252005082                   110                                      0
252005096                   110                                      0
252005109                   110                                      0
252005137                   124                                   7.59                             10/1/2007
252205402                   124                                   7.75                              6/1/2007
252205571                   124                                    6.1                              5/1/2007
252205656                   124                                      7                              6/1/2007
252205925                   124                                      8                              7/1/2007
252206168                   120                                   6.55                              2/1/2006
252206194                   120                                      7                              1/1/2006
252206225                   124                                    6.3                              7/1/2007
252206278                   124                                   6.49                             7/15/2007
252206356                   124                                   5.35                              8/1/2007
252206398                   124                                   7.79                             8/15/2007
252206601                   124                                   7.35                              9/1/2007
252402166                   110                                      0
252405038                   124                                    5.4                              6/1/2007
252405039                   124                                   8.09                              6/1/2007
252405092                   110                                      0
252405120                   124                                   6.09                              6/1/2007
252405199                   124                                    6.5                             6/15/2007
252405263                   124                                    7.5                             6/15/2007
252405272                   153                                   8.09                              7/1/2008
252405280                   110                                      0
252405303                   110                                      0
252405313                   124                                   5.99                             8/15/2007
252405353                   124                                   7.15                              8/1/2007
252405394                   124                                    5.2                             7/15/2007
252405412                   124                                   7.79                              7/1/2007
252405454                   110                                      0
252405458                   124                                   4.35                              8/1/2007
252405512                   110                                      0
252405569                   110                                      0
252405602                   124                                   7.69                              8/1/2007
252405626                   124                                    6.1                             8/15/2007
252405628                   124                                    7.6                              8/1/2007
252405643                   124                                   5.17                              8/1/2007
252405647                   110                                      0
252405659                   124                                    5.8                             8/15/2007
252405679                   124                                   4.25                              9/1/2007
252405705                   110                                      0
252405711                   124                                   4.05                             8/15/2007
252405755                   124                                   6.79                             8/15/2007
252405768                   124                                    4.2                              9/1/2007
252405964                   124                                   8.05                             10/1/2007
252505413                   124                                   7.85                              6/1/2007
252505561                   124                                    7.5                              6/1/2007
252505614                   124                                    6.6                              6/1/2007
252505651                   124                                   9.09                             6/15/2007
252505665                   110                                      0
252505667                   124                                   6.85                             6/15/2007
252505688                   124                                   6.05                              7/1/2007
252505751                   124                                    5.4                              7/1/2007
252505803                   124                                   5.75                              8/1/2007
252505818                   124                                   6.05                             8/15/2007
252505825                   124                                    4.7                             7/15/2007
252505832                   124                                   5.99                              8/1/2007
252505833                   124                                    5.4                              7/1/2007
252505926                   124                                    5.6                             8/15/2007
252505944                   124                                    4.7                             8/15/2007
252505947                   110                                      0
252505948                   124                                    7.1                             8/15/2007
252505949                   124                                    5.5                             8/15/2007
252505955                   124                                   6.15                              9/1/2007
252505965                   110                                      0
252505978                   124                                   4.05                             8/15/2007
252505986                   110                                      0
252505991                   153                                    4.4                             8/15/2008
252506001                   124                                    4.7                             8/15/2007
252506011                   124                                    5.8                             8/15/2007
252506020                   110                                      0
252506124                   124                                   4.59                              9/1/2007
252506173                   124                                    6.2                              9/1/2007
252506180                   124                                    5.4                              9/1/2007
252607132                   124                                   6.99                              7/1/2007
252707582                   110                                      0
252707782                   124                                    5.6                              6/1/2007
252707984                   124                                   6.09                              6/1/2007
252708030                   124                                   7.09                              5/1/2007
252708083                   124                                   4.65                             7/15/2007
252708333                   120                                   7.35                            12/15/2005
252708350                   124                                    5.4                             7/15/2007
252708421                   110                                      0
252708476                   124                                   4.55                              7/1/2007
252708675                   120                                   7.85                             1/15/2006
252708690                   153                                    5.5                             6/15/2008
252708818                   110                                      0
252708921                   124                                   4.25                              8/1/2007
252708927                   124                                   6.47                              8/1/2007
252708933                   124                                   6.35                             7/15/2007
252708938                   110                                      0
252709034                   110                                      0
252709055                   110                                      0
252709086                   110                                      0
252709130                   110                                      0
252709134                   110                                      0
252709146                   124                                   4.05                              8/1/2007
252709184                   124                                   7.85                              9/1/2007
252709215                   124                                    6.6                              9/1/2007
252709352                   153                                   3.85                              9/1/2008
252709358                   124                                   4.25                              9/1/2007
252808305                   124                                   8.09                              6/1/2007
252808311                   115                                      0
252808444                   124                                    5.8                             6/15/2007
252808455                   124                                   5.85                              6/1/2007
252808550                   124                                   5.45                              6/1/2007
252808710                   110                                      0
252808831                   124                                   6.99                              7/1/2007
252808920                   124                                    9.1                             8/15/2007
252808973                   124                                   4.25                              8/1/2007
252808975                   110                                      0
252808993                   124                                   6.15                              8/1/2007
252808998                   110                                      0
252809011                   124                                   5.95                              8/1/2007
252809030                   124                                      8                              9/1/2007
252809049                   110                                      0
252809056                   124                                    7.4                             8/15/2007
252809068                   124                                   4.25                             8/15/2007
252809080                   124                                    6.7                              8/1/2007
252809085                   124                                   4.05                              8/1/2007
252809170                   110                                      0
252809175                   124                                   5.55                              8/1/2007
252809178                   124                                   6.75                              8/1/2007
252809191                   110                                      0
252809209                   124                                    6.8                              8/1/2007
252809216                   124                                   5.65                              8/1/2007
252809251                   124                                   8.23                             8/15/2007
252809315                   124                                   7.05                             8/15/2007
252809316                   124                                   4.79                              9/1/2007
252809323                   124                                   7.05                             8/15/2007
252809366                   124                                    4.1                              9/1/2007
252809451                   124                                   6.95                             9/15/2007
253004528                   124                                   5.45                              6/1/2007
253004530                   124                                   5.55                              7/1/2007
253004689                   124                                   6.09                              6/1/2007
253004723                   110                                      0
253004757                   124                                    5.6                              6/1/2007
253004911                   124                                      5                              6/1/2007
253005024                   110                                      0
253005093                   124                                   5.95                              8/1/2007
253005113                   124                                   5.95                             7/15/2007
253005171                   124                                   5.15                              8/1/2007
253005176                   110                                      0
253005198                   124                                   4.25                              8/1/2007
253005261                   110                                      0
253005289                   124                                   5.35                             7/15/2007
253005338                   110                                      0
253005379                   124                                  4.485                              8/1/2007
253005409                   110                                      0
253005434                   124                                   5.89                              8/1/2007
253005439                   110                                      0
253005512                   124                                   4.05                             8/15/2007
253005530                   110                                      0
253005590                   124                                      6                              8/1/2007
253005594                   110                                      0
253005609                   124                                   4.05                             8/15/2007
253005660                   124                                   4.05                              9/1/2007
253005861                   124                                   7.73                              9/1/2007
253006075                   110                                      0
253104391                   110                                      0
253203467                   110                                      0
253203661                   124                                   6.25                              5/1/2007
253203935                   124                                   5.59                              6/1/2007
253203946                   124                                   5.89                             5/15/2007
253204088                   110                                      0
253204222                   124                                   6.05                              7/1/2007
253204300                   124                                    5.1                              8/1/2007
253204309                   115                                      0
253204427                   110                                      0
253204450                   110                                      0
253204611                   124                                   4.05                             8/15/2007
253204715                   153                                   3.85                              9/1/2008
253204754                   153                                   3.85                              9/1/2008
253204926                   110                                      0
253303578                   124                                   6.85                              6/1/2007
253303642                   124                                   6.09                              7/1/2007
253303651                   110                                      0
253303652                   124                                      6                             6/15/2007
253303702                   110                                      0
253303818                   110                                      0
253303846                   124                                    5.5                              7/1/2007
253303959                   124                                    7.5                             8/15/2007
253304063                   124                                   4.05                              8/1/2007
253304133                   124                                    5.6                              8/1/2007
253304149                   124                                   4.65                              9/1/2007
253304188                   124                                    7.1                             8/15/2007
253304194                   124                                    7.2                              9/1/2007
253304269                   124                                   4.05                              9/1/2007
253304320                   124                                    7.5                             8/15/2007
253304423                   124                                   5.59                              9/1/2007
253304467                   153                                   5.59                             9/15/2008
253401444                   Fixed Rate                               0
253402434                   153                                   6.05                              6/1/2008
253402476                   110                                      0
253402667                   153                                   5.25                              7/1/2008
253402773                   124                                   7.55                             8/15/2007
253402776                   124                                   4.95                              8/1/2007
253402849                   110                                      0
253402855                   124                                    4.9                              8/1/2007
253402864                   124                                   6.15                             8/15/2007
253402898                   124                                    7.6                             8/15/2007
253402905                   124                                   8.61                              9/1/2007
253402918                   124                                   6.65                              8/1/2007
253503284                   115                                      0
253503476                   120                                    5.6                            12/15/2005
253503546                   124                                   7.35                             6/15/2007
253503827                   124                                      5                             8/15/2007
253504024                   124                                    4.7                              8/1/2007
253504036                   124                                   4.55                              8/1/2007
253504206                   124                                   3.85                              9/1/2007
253504251                   124                                   7.05                              9/1/2007
253603332                   124                                   9.03                             5/15/2007
253603370                   124                                    8.7                              5/1/2007
253603384                   124                                    5.8                              6/1/2007
253603491                   124                                   5.85                              6/1/2007
253603508                   124                                   8.25                              7/1/2007
253603544                   124                                      6                              7/1/2007
253603779                   124                                   6.05                             8/15/2007
253603784                   124                                    7.5                              8/1/2007
253603811                   124                                   8.36                              8/1/2007
253603841                   110                                      0
253603863                   124                                   5.75                             8/15/2007
253603871                   110                                      0
253603898                   124                                   5.65                              9/1/2007
253603922                   124                                   8.23                             8/15/2007
253603965                   124                                   8.32                              9/1/2007
253603974                   124                                   6.45                             8/15/2007
253604021                   124                                      5                             8/15/2007
253604091                   124                                   7.91                              9/1/2007
253604107                   124                                    7.6                              9/1/2007
253604119                   124                                    7.8                              9/1/2007
253604151                   124                                   7.35                             9/15/2007
253704663                   124                                      5                             2/15/2007
253705301                   110                                      0
253705354                   115                                      0
253705381                   115                                      0
253705524                   110                                      0
253705575                   124                                   5.09                              7/1/2007
253705590                   115                                      0
253705654                   110                                      0
253705672                   120                                   6.65                            12/15/2005
253705708                   124                                    6.6                              8/1/2007
253705723                   124                                  4.475                             7/15/2007
253705852                   115                                      0
253705995                   120                                    7.2                             2/15/2006
253706019                   110                                      0
253706029                   124                                   5.59                             8/15/2007
253706043                   124                                   5.79                              8/1/2007
253706061                   124                                   6.55                             8/15/2007
253706128                   124                                   4.05                             8/15/2007
253706130                   124                                    4.3                              8/1/2007
253706168                   124                                   4.75                             8/15/2007
253706176                   124                                    7.3                              9/1/2007
253706254                   124                                   5.95                              9/1/2007
253706508                   124                                   4.65                             10/1/2007
253804826                   110                                      0
253804859                   115                                      0
253804930                   124                                    6.1                              7/1/2007
253805045                   110                                      0
253805091                   124                                   4.25                              8/1/2007
253805098                   124                                   5.65                              8/1/2007
253805116                   124                                   7.05                              8/1/2007
253805173                   124                                   4.79                             8/15/2007
253805212                   124                                   4.05                              9/1/2007
253905227                   110                                      0
253905726                   124                                    5.3                              6/1/2007
253906095                   110                                      0
253906159                   124                                   4.75                              8/1/2007
253906161                   110                                      0
253906260                   124                                   4.05                              8/1/2007
253906311                   124                                  5.435                             8/15/2007
253906316                   124                                   4.05                             8/15/2007
254006509                   110                                      0
254006566                   124                                   5.09                             5/15/2007
254006629                   124                                    5.5                              6/1/2007
254006706                   124                                   6.09                              6/1/2007
254006813                   124                                   8.09                              9/1/2007
254006816                   124                                   6.09                              6/1/2007
254006880                   124                                   6.35                             7/15/2007
254007034                   124                                   5.99                              7/1/2007
254007036                   124                                   5.35                              7/1/2007
254007056                   110                                      0
254007107                   124                                   4.25                             8/15/2007
254007126                   110                                      0
254007145                   124                                    7.9                              7/1/2007
254007182                   124                                   6.95                              8/1/2007
254007288                   124                                    8.3                             8/15/2007
254007361                   124                                    4.1                              9/1/2007
254104528                   124                                    7.6                             12/1/2006
254106092                   124                                   6.95                              6/1/2007
254106264                   124                                   8.35                             5/15/2007
254106344                   124                                   7.75                              7/1/2007
254106386                   124                                   5.35                              6/1/2007
254106471                   110                                      0
254106543                   124                                    7.3                              8/1/2007
254106553                   110                                      0
254106747                   124                                   6.55                              8/1/2007
254106759                   124                                    8.1                              8/1/2007
254106783                   153                                   4.79                             8/15/2008
254106795                   153                                   4.05                              8/1/2008
254106817                   124                                   6.55                             8/15/2007
254106908                   124                                   4.05                             8/15/2007
254106922                   124                                   5.55                             8/15/2007
254107001                   124                                   4.05                             8/15/2007
254107065                   124                                   4.59                              9/1/2007
254107079                   124                                      7                             9/15/2007
254107085                   124                                   3.85                              9/1/2007
254205357                   110                                      0
254205584                   124                                   6.16                              8/1/2007
254205672                   124                                   8.48                              9/1/2007
254205675                   110                                      0
254205682                   124                                   8.48                              9/1/2007
254205714                   124                                    4.3                              9/1/2007
254205739                   124                                    6.5                             8/15/2007
254205800                   124                                   6.59                              9/1/2007
254205977                   124                                   6.05                             10/1/2007
254507692                   124                                  5.245                             4/15/2007
254507730                   110                                      0
254507798                   124                                   8.25                             5/15/2007
254508591                   124                                    7.1                              7/1/2007
254508653                   110                                      0
254508701                   124                                   7.65                              9/1/2007
254508741                   124                                   7.79                              8/1/2007
254508744                   124                                   4.99                              8/1/2007
254508786                   110                                      0
254508819                   124                                    5.2                              8/1/2007
254508846                   124                                   4.25                              8/1/2007
254508891                   115                                      0
254508918                   124                                   7.05                             8/15/2007
254508995                   110                                      0
254509008                   124                                   4.25                             8/15/2007
254509049                   124                                    4.8                              9/1/2007
254509055                   124                                   7.05                             9/15/2007
254509109                   124                                   6.75                              9/1/2007
254509147                   124                                   7.95                             10/1/2007
254509158                   124                                   3.85                              9/1/2007
254509195                   110                                      0
254509259                   124                                   6.25                              9/1/2007
254509273                   110                                      0
254509306                   124                                    6.8                             10/1/2007
254607022                   124                                   4.35                             6/15/2007
254607120                   110                                      0
254607148                   124                                   6.85                              6/1/2007
254607240                   124                                   6.45                              8/1/2007
254607377                   110                                      0
254607394                   124                                   4.85                              8/1/2007
254607409                   124                                   5.75                              8/1/2007
254607428                   124                                   6.75                              7/1/2007
254607440                   110                                      0
254607565                   110                                      0
254607591                   124                                   8.43                             8/15/2007
254607636                   110                                      0
254607651                   124                                   7.65                              8/1/2007
254607690                   110                                      0
254607705                   124                                   6.79                             8/15/2007
254706068                   115                                      0
254706292                   115                                      0
254706338                   124                                   6.35                              7/1/2007
254706413                   124                                   6.55                             7/15/2007
254706453                   124                                   5.75                             8/15/2007
254706454                   110                                      0
254706506                   124                                   4.25                              8/1/2007
254706570                   110                                      0
254706585                   124                                   4.05                             8/15/2007
254706601                   124                                   7.79                              8/1/2007
254706621                   124                                   4.05                             8/15/2007
254706637                   110                                      0
254706648                   124                                   6.15                             8/15/2007
254706662                   124                                   4.05                             8/15/2007
254706670                   124                                   4.05                             8/15/2007
254706754                   124                                   4.05                              9/1/2007
254706829                   153                                   3.85                              9/1/2008
254808619                   124                                   8.05                             6/15/2007
254809462                   124                                    8.5                              7/1/2007
254809668                   110                                      0
254809798                   124                                   8.44                              8/1/2007
254809813                   110                                      0
254809819                   110                                      0
254809837                   124                                   6.55                              8/1/2007
254809841                   110                                      0
254809846                   110                                      0
254809852                   110                                      0
254809869                   110                                      0
254809880                   124                                   8.36                              9/1/2007
254809898                   124                                    7.3                             8/15/2007
254809930                   124                                   8.36                              8/1/2007
254809942                   110                                      0
254810033                   124                                    6.7                             8/15/2007
254810038                   110                                      0
254810285                   124                                    6.5                             10/1/2007
254908241                   124                                    6.6                             11/1/2006
254909984                   124                                   6.45                             6/15/2007
254910211                   124                                   9.28                              7/1/2007
254910429                   124                                   7.79                              8/1/2007
254910432                   110                                      0
254910518                   124                                   7.79                              8/1/2007
254910539                   124                                   7.99                              8/1/2007
254910557                   110                                      0
254910573                   110                                      0
254910639                   110                                      0
254910655                   124                                   8.18                             8/15/2007
254910665                   110                                      0
254910775                   124                                   8.18                              9/1/2007
254911050                   124                                    7.1                             10/1/2007
255001194                   110                                      0
255001356                   110                                      0
255001363                   110                                      0
255001408                   110                                      0
255001426                   110                                      0
255102719                   110                                      0
255103898                   110                                      0
255103917                   110                                      0
255103988                   110                                      0
255302046                   110                                      0
255302275                   110                                      0
255302284                   110                                      0
255302300                   110                                      0
255302601                   110                                      0
255302749                   110                                      0
255316280                   110                                      0
255318896                   124                                   6.09                              6/1/2007
255319032                   124                                   7.09                              7/1/2007
255319053                   124                                   8.94                             7/15/2007
255319068                   124                                    8.9                              7/1/2007
255319090                   124                                    8.2                              7/1/2007
255319185                   124                                   7.99                             7/15/2007
255319221                   124                                   5.55                              8/1/2007
255319294                   124                                   9.31                              8/1/2007
255319315                   110                                      0
255319319                   124                                   8.65                             8/15/2007
255319328                   110                                      0
255319351                   124                                   8.16                              9/1/2007
255319380                   110                                      0
255319402                   124                                   8.48                             8/15/2007
255319406                   110                                      0
255319463                   110                                      0
255319590                   124                                   6.59                              9/1/2007
255401269                   110                                      0
255401511                   110                                      0
255411430                   110                                      0
255412771                   124                                   7.45                             4/15/2007
255413487                   153                                   8.99                             6/15/2008
255413576                   110                                      0
255413646                   124                                   8.24                              9/1/2007
255413649                   124                                   7.55                              8/1/2007
255413717                   124                                    6.8                              8/1/2007
255413747                   110                                      0
255413750                   124                                    7.2                             8/15/2007
255413752                   124                                      5                             8/15/2007
255413771                   124                                    8.2                              9/1/2007
255413834                   124                                   8.36                             9/15/2007
255501729                   110                                      0
255501783                   110                                      0
255501785                   110                                      0
255602113                   110                                      0
255602269                   110                                      0
255602299                   110                                      0
255602590                   110                                      0
255615155                   124                                   6.09                              5/1/2007
255615253                   124                                   9.03                              7/1/2007
255615409                   110                                      0
255615530                   110                                      0
255615609                   124                                    8.5                              8/1/2007
255615611                   110                                      0
255615613                   124                                   7.65                              8/1/2007
255615691                   110                                      0
255615694                   124                                   8.45                              8/1/2007
255615698                   124                                   5.85                              8/1/2007
255615731                   124                                   6.65                              8/1/2007
255615747                   124                                   4.55                              9/1/2007
255615754                   124                                   4.79                              8/1/2007
255615760                   124                                   6.65                             8/15/2007
255615770                   124                                   7.55                             8/15/2007
255615779                   110                                      0
255615803                   124                                    6.7                              8/1/2007
255615812                   124                                   7.05                             8/15/2007
255615816                   124                                    7.3                             8/15/2007
255615855                   124                                    7.6                             8/15/2007
255616068                   124                                    8.2                             9/15/2007
255616075                   124                                   4.85                              9/1/2007
255616087                   124                                   7.59                             9/15/2007
255702407                   110                                      0
255702452                   110                                      0
255702537                   110                                      0
255702611                   110                                      0
255714800                   124                                   7.75                              6/1/2007
255714807                   124                                      9                             7/15/2007
255715031                   124                                   5.85                              8/1/2007
255715040                   110                                      0
255715122                   110                                      0
255715130                   124                                   6.45                             8/15/2007
255715152                   124                                   8.68                             9/15/2007
255715178                   124                                    7.8                             8/15/2007
255715202                   124                                   7.25                              8/1/2007
255715229                   124                                    5.2                              8/1/2007
255715230                   124                                   7.79                              9/1/2007
255715248                   124                                    5.2                              9/1/2007
255715272                   110                                      0
255715284                   124                                   4.05                             8/15/2007
255715292                   124                                    5.2                             8/15/2007
255715337                   124                                    4.8                             8/15/2007
255715477                   124                                    7.4                              9/1/2007
255800655                   110                                      0
255800658                   110                                      0
255800724                   110                                      0
255800728                   110                                      0
255800943                   110                                      0
255811958                   124                                   8.74                              3/1/2007
255812457                   110                                      0
255812495                   124                                   9.15                              6/1/2007
255812505                   110                                      0
255812979                   110                                      0
255813030                   124                                    7.1                              9/1/2007
255813042                   124                                    8.9                             7/15/2007
255813107                   124                                   5.99                              7/1/2007
255813140                   110                                      0
255813161                   124                                   7.55                              9/1/2007
255813184                   124                                    7.6                             7/15/2007
255813223                   110                                      0
255813249                   110                                      0
255813261                   110                                      0
255813279                   110                                      0
255813285                   124                                    6.7                              8/1/2007
255813321                   124                                   8.36                              8/1/2007
255813334                   110                                      0
255813358                   110                                      0
255813465                   124                                  8.235                              9/1/2007
255813476                   124                                   4.35                              9/1/2007
255813481                   124                                   3.85                              9/1/2007
255813503                   124                                   8.04                              9/1/2007
255900826                   110                                      0
255901068                   110                                      0
255901133                   110                                      0
255901140                   110                                      0
255901167                   110                                      0
255914085                   110                                      0
255914156                   110                                      0
255914243                   124                                   7.65                              8/1/2007
255914340                   110                                      0
255914341                   124                                   8.55                             10/1/2007
255914441                   110                                      0
255914486                   153                                    5.3                              8/1/2008
255914552                   110                                      0
255914564                   110                                      0
255914574                   124                                   4.05                              9/1/2007
255914584                   124                                   6.75                             8/15/2007
255914597                   110                                      0
255914794                   124                                   6.65                             10/1/2007
255914939                   110                                      0
255914956                   124                                   6.55                             9/15/2007
255915082                   110                                      0
256100898                   110                                      0
256200437                   110                                      0
256200521                   110                                      0
256200589                   110                                      0
256211317                   124                                    5.2                              4/1/2007
256211764                   110                                      0
256211810                   124                                   8.15                              8/1/2007
256211814                   124                                      5                              8/1/2007
256211853                   124                                   4.75                              8/1/2007
256211871                   124                                   5.95                              8/1/2007
256211872                   124                                    5.9                              8/1/2007
256211881                   110                                      0
256211910                   124                                    4.9                              8/1/2007
256211928                   124                                   7.15                             8/15/2007
256211929                   124                                   4.15                             8/15/2007
256212002                   124                                    4.5                              9/1/2007
256212045                   124                                    7.4                              9/1/2007
256412685                   124                                    7.9                              7/1/2007
256412744                   124                                    5.6                             5/15/2007
256412760                   115                                      0
256412987                   115                                      0
256412998                   124                                    6.8                              8/1/2007
256413045                   115                                      0
256413110                   124                                   6.15                              7/1/2007
256413116                   153                                    6.9                              7/1/2008
256413119                   124                                   7.09                              7/1/2007
256413141                   110                                      0
256413289                   110                                      0
256413320                   115                                      0
256413423                   124                                    5.5                             7/15/2007
256413432                   124                                   6.85                             7/15/2007
256413511                   115                                      0
256413572                   124                                    4.7                             8/15/2007
256413603                   110                                      0
256413641                   124                                   4.79                              8/1/2007
256413647                   124                                   6.79                             8/15/2007
256413667                   124                                  7.315                              9/1/2007
256413674                   124                                   6.39                             8/15/2007
256413695                   124                                    6.4                             8/15/2007
256413707                   124                                   6.79                             8/15/2007
256413723                   124                                   4.85                             8/15/2007
256413729                   124                                    5.4                             8/15/2007
256413799                   124                                   4.79                              9/1/2007
256607981                   124                                      6                              3/1/2007
256608494                   124                                   4.65                              6/1/2007
256608530                   153                                   5.45                             5/15/2008
256608920                   110                                      0
256608969                   124                                   6.35                             8/15/2007
256609149                   153                                   6.79                             8/15/2008
256609177                   124                                   7.75                              9/1/2007
256609188                   124                                    8.2                              9/1/2007
256609300                   124                                   3.85                              9/1/2007
256609369                   110                                      0
256708543                   110                                      0
256708572                   124                                    6.7                              6/1/2007
256708693                   110                                      0
256708701                   110                                      0
256708710                   124                                    4.6                             6/15/2007
256708791                   124                                   6.35                              6/1/2007
256708825                   115                                      0
256708849                   124                                    4.6                              8/1/2007
256708980                   115                                      0
256709052                   124                                    6.9                              8/1/2007
256709088                   124                                   4.35                              8/1/2007
256709142                   124                                   7.45                             8/15/2007
256709144                   115                                      0
256709199                   124                                    4.3                             8/15/2007
256709209                   124                                   4.79                              8/1/2007
256709241                   124                                   5.15                             8/15/2007
256709282                   124                                   4.75                             9/15/2007
256807639                   124                                   6.75                              6/1/2007
256807672                   124                                   7.25                             5/15/2007
256808025                   124                                   6.75                             7/15/2007
256907713                   124                                   7.15                              6/1/2007
256907742                   124                                   7.09                              6/1/2007
256908010                   124                                    7.8                              7/1/2007
256908257                   124                                   8.48                             8/15/2007
256908283                   124                                   7.79                             8/15/2007
256908353                   124                                   5.85                             8/15/2007
256908407                   124                                   8.61                             9/15/2007
257008107                   110                                      0
257008154                   110                                      0
257008171                   124                                   5.35                              6/1/2007
257008341                   124                                   4.25                              9/1/2007
257008455                   124                                   4.99                             7/15/2007
257008470                   124                                   5.99                              8/1/2007
257008647                   124                                   7.48                             8/15/2007
257008681                   124                                   6.55                              9/1/2007
257008843                   124                                    4.1                              9/1/2007
257108547                   124                                   8.15                              4/1/2007
257109253                   124                                    6.3                             6/15/2007
257109334                   124                                   7.59                             6/15/2007
257109374                   153                                   8.45                              7/1/2008
257109530                   124                                   5.25                              8/1/2007
257109547                   124                                    5.1                              7/1/2007
257109688                   124                                    4.8                              8/1/2007
257109755                   124                                   6.15                             8/15/2007
257109764                   124                                   6.85                             8/15/2007
257109776                   124                                    7.9                              8/1/2007
257109794                   124                                   6.79                              9/1/2007
257109812                   110                                      0
257109827                   124                                   7.75                             8/15/2007
257109858                   124                                    6.6                              9/1/2007
257109907                   124                                   7.65                              9/1/2007
257109931                   124                                   7.79                             8/15/2007
257110246                   124                                   7.59                             10/1/2007
257110270                   110                                      0
257110289                   124                                   8.42                             10/1/2007
257207431                   124                                   6.83                              8/1/2007
257207467                   124                                   8.81                              7/1/2007
257207477                   124                                   6.75                              7/1/2007
257207558                   124                                      5                              8/1/2007
257207656                   124                                   6.55                             8/15/2007
257207660                   110                                      0
257207676                   124                                   6.55                             8/15/2007
257207677                   124                                   4.79                              8/1/2007
257207680                   124                                    7.2                              8/1/2007
257207691                   124                                   6.75                             8/15/2007
257207718                   124                                   7.79                             8/15/2007
257207935                   124                                   6.59                              9/1/2007
257405457                   110                                      0
257405727                   124                                    7.3                             7/15/2007
257405737                   124                                    7.2                              8/1/2007
257405767                   124                                   8.56                              8/1/2007
257405778                   110                                      0
257405802                   110                                      0
257405808                   124                                   8.45                              8/1/2007
257405847                   124                                   4.65                              8/1/2007
257405853                   124                                    6.1                             8/15/2007
257405903                   124                                   5.75                              9/1/2007
257405931                   153                                   3.85                              9/1/2008
257506048                   124                                    6.3                             6/15/2007
257506093                   124                                   5.75                              5/1/2007
257506287                   153                                   5.75                             5/15/2008
257506334                   124                                    7.2                              6/1/2007
257506451                   124                                   8.78                              6/1/2007
257506585                   153                                   8.75                              7/1/2008
257506597                   124                                   8.05                             6/15/2007
257506650                   124                                   5.75                             7/15/2007
257506662                   110                                      0
257506686                   110                                      0
257506743                   124                                   6.35                              8/1/2007
257506831                   110                                      0
257506852                   124                                   5.85                              8/1/2007
257506888                   124                                    7.5                              8/1/2007
257506934                   124                                    4.4                              8/1/2007
257506952                   124                                   8.23                             8/15/2007
257506964                   124                                    7.3                              8/1/2007
257507000                   124                                    5.2                              8/1/2007
257507023                   110                                      0
257507042                   124                                   4.45                              8/1/2007
257507102                   124                                    8.2                              9/1/2007
257507106                   124                                    8.2                             8/15/2007
257507129                   124                                    8.2                              9/1/2007
257507154                   124                                    8.3                             9/15/2007
257507169                   124                                   4.95                              9/1/2007
257507495                   124                                   7.95                             10/1/2007
257606435                   110                                      0
257606745                   110                                      0
257606832                   124                                    4.5                              9/1/2007
257606979                   124                                   5.65                             8/15/2007
257607220                   124                                    6.4                             10/1/2007
257702853                   124                                   5.34                              6/1/2007
257702975                   124                                   5.09                              7/1/2007
257702985                   124                                   6.35                             6/15/2007
257703004                   124                                   6.05                              6/1/2007
257703021                   124                                   6.85                             6/15/2007
257703024                   110                                      0
257703090                   124                                    5.6                             6/15/2007
257703178                   115                                      0
257703183                   124                                    5.7                             7/15/2007
257703217                   110                                      0
257703267                   124                                    4.6                              8/1/2007
257703287                   124                                   4.45                              8/1/2007
257703307                   124                                    4.1                              8/1/2007
257703317                   115                                      0
257703343                   124                                   4.05                              8/1/2007
257703358                   124                                   6.55                             8/15/2007
257703359                   124                                   4.05                             8/15/2007
257703373                   124                                    4.2                             8/15/2007
257703428                   124                                   3.85                              9/1/2007
257804265                   110                                      0
257804376                   110                                      0
257804498                   124                                    5.9                             6/15/2007
257804577                   124                                    6.4                             7/15/2007
257804597                   110                                      0
257804663                   110                                      0
257804693                   110                                      0
257804739                   124                                    4.3                             8/15/2007
257804800                   120                                   7.25                              2/1/2006
257804877                   124                                   4.05                              8/1/2007
257804886                   124                                   4.75                             8/15/2007
257804912                   124                                    5.5                             8/15/2007
257804916                   124                                   4.05                              8/1/2007
257804931                   124                                   4.35                             8/15/2007
257804986                   124                                   4.15                             8/15/2007
257805007                   124                                    6.3                              8/1/2007
257805018                   124                                   4.05                             8/15/2007
257805081                   124                                   3.85                              9/1/2007
257805098                   124                                    8.1                              9/1/2007
257805126                   124                                    4.2                              9/1/2007
257805148                   124                                    3.9                              9/1/2007
257805161                   124                                   3.85                              9/1/2007
257805282                   110                                      0
257805344                   124                                   4.85                             10/1/2007
257805364                   110                                      0
257902953                   124                                    6.3                             4/15/2007
257903486                   110                                      0
257903626                   110                                      0
257903698                   124                                   5.99                             7/15/2007
257903826                   124                                   5.25                              8/1/2007
257903852                   124                                   6.55                             8/15/2007
257903872                   110                                      0
257903924                   124                                   6.35                             8/15/2007
257903993                   153                                    4.5                              9/1/2008
257904015                   124                                    7.1                              9/1/2007
258000175                   153                                    4.8                              6/1/2008
258000199                   124                                   6.05                              6/1/2007
258000208                   124                                   5.09                              6/1/2007
258000212                   124                                    4.6                              7/1/2007
258000214                   153                                    4.5                              7/1/2008
258000219                   115                                      0
258000225                   124                                      5                              8/1/2007
258000227                   153                                    5.7                              8/1/2008
258000243                   110                                      0
258100378                   124                                   5.55                              1/1/2006
258100389                   124                                    4.9                              1/1/2006
258100563                   110                                      0
258113822                   124                                   7.35                             6/15/2007
258114653                   117                                   2.25                              9/1/2010
258200365                   110                                      0
258200574                   110                                      0
258215001                   124                                   8.55                              6/1/2007
258215246                   110                                      0
258215331                   110                                      0
258215341                   124                                   7.09                             7/15/2007
258215488                   124                                    6.2                              8/1/2007
258215531                   124                                    6.1                             8/15/2007
258215555                   124                                   5.95                             8/15/2007
258215602                   124                                   4.95                              8/1/2007
258215625                   124                                   4.25                             8/15/2007
258215646                   153                                      6                             8/15/2008
258215669                   124                                   5.05                              8/1/2007
258215682                   124                                    6.2                             8/15/2007
258215765                   124                                    6.3                              8/1/2007
258215794                   124                                    4.3                             8/15/2007
258215815                   110                                      0
258216114                   110                                      0
258216131                   124                                    6.2                             10/1/2007
258216142                   110                                      0
258303218                   110                                      0
258304239                   124                                   6.06                              6/1/2007
258304756                   124                                   5.95                             5/15/2007
258304905                   110                                      0
258304940                   124                                    5.4                             6/15/2007
258304973                   115                                      0
258305149                   124                                    4.8                             8/15/2007
258305208                   124                                   5.25                             7/15/2007
258305211                   110                                      0
258305237                   124                                    5.6                             8/15/2007
258305288                   110                                      0
258305293                   120                                   4.75                              2/1/2006
258305305                   124                                   7.65                             8/15/2007
258305322                   124                                   6.79                             8/15/2007
258305335                   124                                   4.55                             8/15/2007
258305336                   124                                    5.7                              8/1/2007
258305360                   124                                    5.3                              8/1/2007
258305361                   124                                    7.8                              8/1/2007
258305387                   124                                    6.8                              8/1/2007
258305404                   124                                   4.79                             8/15/2007
258305407                   124                                   6.19                             8/15/2007
258305434                   124                                   4.75                             8/15/2007
258305460                   124                                    4.1                              9/1/2007
258305524                   124                                   4.05                             8/15/2007
258305596                   110                                      0
258305714                   124                                   6.85                             9/15/2007
258305788                   124                                    6.6                             9/15/2007
258415703                   124                                    8.4                              6/1/2007
258415854                   124                                    5.6                              5/1/2007
258415863                   124                                    8.3                              6/1/2007
258415935                   124                                   6.95                              6/1/2007
258415991                   124                                    7.8                             5/15/2007
258416115                   124                                   8.09                             6/15/2007
258416194                   124                                   5.09                              6/1/2007
258416204                   124                                    8.4                             6/15/2007
258416225                   124                                    5.7                             6/15/2007
258416237                   110                                      0
258416263                   124                                    5.6                             6/15/2007
258416339                   124                                   8.35                              7/1/2007
258416342                   110                                      0
258416361                   110                                      0
258416490                   124                                   7.25                              8/1/2007
258416525                   124                                    4.4                              8/1/2007
258416535                   124                                   4.99                              8/1/2007
258416536                   124                                   5.99                             7/15/2007
258416551                   153                                   8.45                              9/1/2008
258416558                   124                                   5.99                              8/1/2007
258416692                   124                                   4.79                              9/1/2007
258416728                   124                                   7.45                             8/15/2007
258416742                   110                                      0
258416746                   124                                   8.25                              9/1/2007
258416789                   124                                   4.34                              9/1/2007
258416796                   124                                    4.4                              8/1/2007
258416816                   124                                   4.58                              8/1/2007
258416897                   124                                   4.75                              9/1/2007
258416950                   124                                   4.05                              9/1/2007
258416952                   124                                   7.25                              9/1/2007
258416973                   124                                    4.2                              9/1/2007
258417033                   124                                    4.5                              9/1/2007
258417039                   124                                  5.065                              9/1/2007
258417160                   124                                   3.85                              9/1/2007
258500923                   110                                      0
258501098                   110                                      0
258501145                   110                                      0
258501284                   110                                      0
258501457                   124                                   5.09                              3/1/2006
258517250                   124                                   8.98                             6/15/2007
258517266                   124                                   9.06                              6/1/2007
258517358                   124                                   6.35                             7/15/2007
258517363                   110                                      0
258517523                   124                                   6.49                              8/1/2007
258517538                   124                                   5.75                              8/1/2007
258517555                   124                                   4.75                              8/1/2007
258517568                   124                                   6.93                              9/1/2007
258517600                   124                                   3.85                              9/1/2007
258517635                   124                                    5.1                             8/15/2007
258517668                   124                                   7.15                             8/15/2007
258517681                   124                                   6.35                              9/1/2007
258517693                   124                                    6.7                             8/15/2007
258517727                   110                                      0
258517748                   124                                   7.59                              9/1/2007
258517888                   124                                   7.15                             9/15/2007
258609029                   110                                      0
258609034                   110                                      0
258609060                   124                                    6.4                              6/1/2007
258609330                   110                                      0
258609443                   124                                   5.55                             7/15/2007
258609502                   110                                      0
258609514                   124                                   4.35                              8/1/2007
258609530                   124                                   8.05                              8/1/2007
258609551                   124                                   8.79                              8/1/2007
258609559                   124                                   4.15                             8/15/2007
258609570                   153                                    4.3                              8/1/2008
258609595                   124                                    4.9                             8/15/2007
258609596                   124                                   8.35                             8/15/2007
258609600                   120                                    7.5                              2/1/2006
258609604                   124                                   8.15                             8/15/2007
258609625                   124                                    7.2                             8/15/2007
258609661                   124                                    6.3                             8/15/2007
258609696                   124                                   8.15                              9/1/2007
258609726                   124                                    8.4                              9/1/2007
258609765                   124                                    7.1                              9/1/2007
258609784                   124                                    6.4                              9/1/2007
258609833                   124                                   6.55                             10/1/2007
258609907                   124                                    7.2                             9/15/2007
258710619                   117                                   2.25                              8/1/2010
258710976                   117                                   2.25                              9/1/2010
258711010                   117                                   2.25                              9/1/2010
258711030                   117                                   2.25                              9/1/2010
258800906                   124                                   6.04                              2/1/2006
258815332                   124                                   8.52                              6/1/2007
258815480                   124                                   5.45                             5/15/2007
258815684                   124                                    6.1                              6/1/2007
258815924                   153                                   5.75                              7/1/2008
258816025                   124                                   5.36                             7/15/2007
258816131                   124                                   7.99                              8/1/2007
258816132                   124                                   5.89                              7/1/2007
258816157                   110                                      0
258816261                   110                                      0
258816274                   124                                    6.8                              8/1/2007
258816358                   110                                      0
258816415                   124                                    7.4                              8/1/2007
258816446                   124                                    5.2                              9/1/2007
258816468                   110                                      0
258816473                   124                                   7.95                              9/1/2007
258816479                   124                                   4.05                              9/1/2007
258816480                   124                                   7.95                              9/1/2007
258816510                   124                                   6.45                              9/1/2007
258816549                   153                                    4.2                              9/1/2008
258816564                   124                                   6.75                              9/1/2007
258816586                   110                                      0
258816612                   124                                   3.85                              9/1/2007
258816742                   124                                   4.65                              9/1/2007
258900157                   110                                      0
258913648                   110                                      0
258913975                   124                                   7.54                              4/1/2007
258914663                   124                                   7.85                              6/1/2007
258914721                   124                                   6.35                              7/1/2007
258914763                   110                                      0
258914785                   110                                      0
258914846                   124                                   6.85                              7/1/2007
258914932                   124                                   4.45                             7/15/2007
258914941                   110                                      0
258914975                   110                                      0
258914990                   124                                   5.65                              8/1/2007
258915062                   124                                   7.59                              8/1/2007
258915070                   110                                      0
258915089                   124                                   4.79                              8/1/2007
258915143                   124                                    4.2                             8/15/2007
258915146                   124                                   5.79                             8/15/2007
258915160                   110                                      0
258915191                   124                                   9.11                              9/1/2007
258915205                   124                                    7.1                             8/15/2007
258915243                   124                                   4.05                              9/1/2007
258915244                   124                                   5.79                              9/1/2007
258915286                   124                                   5.59                             9/15/2007
259006548                   115                                      0
259007489                   6 MO LIBOR                           6.875                             12/1/2006
259007838                   115                                      0
259007845                   124                                   6.67                              5/4/2007
259007857                   124                                   7.03                              5/1/2007
259007863                   110                                      0
259007873                   124                                    7.8                              6/1/2007
259007884                   124                                      7                              5/1/2007
259007895                   124                                  8.125                             5/11/2007
259007896                   124                                   5.15                              5/1/2007
259007904                   124                                    5.8                              3/1/2007
259007914                   124                                    4.7                              6/1/2007
259007919                   124                                   5.95                              6/1/2007
259007946                   124                                   5.45                             6/13/2007
259007966                   124                                   4.96                              7/1/2007
259007972                   124                                   5.74                              7/1/2007
259007978                   124                                   6.88                              7/1/2007
259007983                   110                                      0
259007988                   124                                   6.05                              7/1/2007
259007992                   110                                      0
259008003                   124                                    8.5                              7/1/2007
259008020                   124                                   6.36                              7/1/2007
259008025                   124                                    4.3                              7/1/2007
259008031                   124                                  4.972                              8/1/2007
259008034                   124                                   6.82                              7/7/2007
259008036                   124                                   5.82                              7/7/2007
259008041                   153                                   6.73                              8/1/2008
259008064                   124                                   4.34                              8/1/2007
259008067                   110                                      0
259008077                   124                                    8.5                              7/1/2007
259008080                   124                                   6.05                              8/1/2007
259008098                   115                                      0
259008101                   124                                   5.55                              8/1/2007
259008122                   124                                   6.15                              8/1/2007
259008127                   153                                  7.925                              8/1/2008
259008140                   153                                  7.025                              8/1/2008
259008143                   153                                  7.825                              7/1/2008
259008144                   153                                  6.275                              8/1/2008
259008165                   153                                  7.625                              8/1/2008
259008188                   124                                    6.3                             8/15/2007
259008190                   124                                      7                              8/1/2007
259008192                   124                                  5.075                              8/1/2007
259008195                   110                                      0
259008196                   124                                    5.4                              9/1/2007
259008200                   153                                  6.225                              8/1/2008
259008207                   153                                   7.15                              8/1/2008
259008245                   124                                   4.75                              9/1/2007
259008247                   124                                   5.98                              9/1/2007
259008264                   153                                  7.875                              8/1/2008
259008266                   153                                  6.825                              8/1/2008
259008285                   124                                   5.99                              8/1/2007
259008286                   124                                    4.8                              8/1/2007
259008300                   124                                   5.55                              9/1/2007
259008302                   110                                      0
259008303                   124                                   5.95                             8/15/2007
259008310                   124                                    4.6                              9/1/2007
259008316                   124                                    5.4                              9/1/2007
259008326                   124                                   5.95                              8/1/2007
259008328                   124                                    6.4                              9/1/2007
259008355                   110                                      0
259008361                   115                                      0
259008372                   115                                      0
259008374                   110                                      0
259008388                   110                                      0
259008400                   124                                   5.25                              9/8/2007
259008402                   110                                      0
259008413                   110                                      0
259008415                   124                                   5.95                             9/15/2007
259105881                   110                                      0
259106090                   124                                   7.54                             4/15/2007
259106127                   110                                      0
259106379                   110                                      0
259106404                   124                                    7.1                              5/1/2007
259106423                   124                                    5.1                              7/1/2007
259106451                   124                                   6.09                             5/15/2007
259106480                   110                                      0
259106499                   124                                   4.85                             5/15/2007
259106502                   124                                   6.35                             5/15/2007
259106520                   110                                      0
259106527                   110                                      0
259106534                   124                                   5.85                             5/15/2007
259106538                   124                                   4.09                             5/15/2007
259106562                   110                                      0
259106566                   110                                      0
259106569                   110                                      0
259106570                   124                                   6.85                             5/15/2007
259106582                   124                                   7.35                              6/1/2007
259106589                   110                                      0
259106608                   110                                      0
259106611                   110                                      0
259106617                   110                                      0
259106618                   110                                      0
259106622                   110                                      0
259106634                   110                                      0
259106645                   110                                      0
259106649                   110                                      0
259106666                   110                                      0
259106671                   124                                   5.85                              6/1/2007
259106676                   110                                      0
259106689                   124                                   7.35                              6/1/2007
259106691                   153                                   5.35                              6/1/2008
259106702                   124                                   4.59                              6/1/2007
259106704                   110                                      0
259106705                   110                                      0
259106707                   110                                      0
259106712                   124                                   4.59                              6/1/2007
259106719                   110                                      0
259106721                   124                                   5.09                              6/1/2007
259106725                   110                                      0
259106730                   110                                      0
259106733                   124                                   7.09                              6/1/2007
259106743                   124                                    7.6                             6/15/2007
259106745                   110                                      0
259106747                   110                                      0
259106760                   110                                      0
259106771                   110                                      0
259106773                   110                                      0
259106781                   110                                      0
259106783                   110                                      0
259106791                   110                                      0
259106801                   110                                      0
259106804                   110                                      0
259106815                   110                                      0
259106817                   124                                   4.85                             6/15/2007
259106819                   110                                      0
259106838                   124                                    5.6                             7/15/2007
259106839                   124                                   4.35                             6/15/2007
259106843                   124                                   7.35                              7/1/2007
259106857                   110                                      0
259106871                   110                                      0
259106878                   110                                      0
259106882                   110                                      0
259106906                   124                                   4.85                              7/1/2007
259106907                   110                                      0
259106913                   124                                   3.75                              7/1/2007
259106914                   110                                      0
259106925                   110                                      0
259106933                   110                                      0
259106942                   110                                      0
259106945                   110                                      0
259106951                   110                                      0
259106954                   110                                      0
259106958                   110                                      0
259106963                   124                                   6.49                              7/1/2007
259106965                   110                                      0
259106971                   110                                      0
259106991                   124                                    6.5                             6/15/2007
259107002                   110                                      0
259107015                   110                                      0
259107018                   124                                   6.75                              7/1/2007
259107037                   124                                   5.75                              8/1/2007
259107041                   110                                      0
259107048                   124                                   4.35                             6/15/2007
259107049                   110                                      0
259107052                   124                                    5.1                              7/1/2007
259107054                   124                                   4.75                              7/1/2007
259107055                   110                                      0
259107056                   110                                      0
259107058                   110                                      0
259107065                   110                                      0
259107066                   110                                      0
259107067                   110                                      0
259107077                   124                                    4.5                              8/1/2007
259107080                   110                                      0
259107107                   124                                    7.5                             7/15/2007
259107117                   124                                    7.2                             7/15/2007
259107119                   124                                   6.99                              8/1/2007
259107123                   110                                      0
259107127                   110                                      0
259107128                   124                                   8.25                             8/15/2007
259107133                   110                                      0
259107135                   110                                      0
259107143                   124                                   3.85                              8/1/2007
259107148                   110                                      0
259107154                   124                                   6.25                              8/1/2007
259107168                   124                                    7.1                              8/1/2007
259107170                   124                                   6.59                             7/15/2007
259107172                   110                                      0
259107181                   110                                      0
259107188                   124                                   4.55                              8/1/2007
259107201                   124                                   4.25                              8/1/2007
259107211                   124                                   7.25                              8/1/2007
259107220                   124                                   5.55                              8/1/2007
259107224                   124                                   6.75                              8/1/2007
259107228                   124                                    4.5                              8/1/2007
259107229                   110                                      0
259107236                   124                                   5.55                              8/1/2007
259107240                   124                                    5.6                              8/1/2007
259107244                   110                                      0
259107254                   124                                   4.15                              8/1/2007
259107260                   124                                   4.55                             8/15/2007
259107270                   124                                   5.79                              8/1/2007
259107274                   110                                      0
259107277                   110                                      0
259107286                   110                                      0
259107297                   124                                   4.05                              8/1/2007
259107298                   124                                   5.55                              8/1/2007
259107299                   124                                    4.1                             8/15/2007
259107307                   124                                   4.15                              8/1/2007
259107311                   124                                   5.79                             8/15/2007
259107315                   124                                   4.79                              8/1/2007
259107316                   124                                    6.3                              8/1/2007
259107323                   124                                    4.9                              8/1/2007
259107325                   110                                      0
259107326                   124                                   5.39                              8/1/2007
259107329                   124                                   4.05                              8/1/2007
259107337                   124                                   7.45                              8/1/2007
259107350                   110                                      0
259107367                   110                                      0
259107369                   110                                      0
259107371                   110                                      0
259107377                   110                                      0
259107381                   110                                      0
259107389                   110                                      0
259107401                   124                                   4.15                              9/1/2007
259107422                   110                                      0
259107426                   110                                      0
259107429                   110                                      0
259107456                   110                                      0
259107493                   110                                      0
259107499                   110                                      0
259107517                   124                                   6.35                              9/1/2007
259107527                   124                                    4.1                              9/1/2007
259107529                   110                                      0
259107551                   110                                      0
259107555                   124                                    5.1                              9/1/2007
259107559                   110                                      0
259107570                   110                                      0
259107583                   110                                      0
259107614                   110                                      0
259107615                   124                                   5.35                             9/15/2007
259107616                   110                                      0
259107680                   124                                    4.4                             9/15/2007
259107683                   110                                      0
259107757                   110                                      0
259212447                   124                                    7.2                              5/1/2007
259212448                   110                                      0
259212825                   124                                   7.09                             5/15/2007
259212936                   110                                      0
259213040                   110                                      0
259213076                   115                                      0
259213117                   124                                    6.2                             6/15/2007
259213304                   124                                   8.45                             10/1/2007
259213314                   110                                      0
259213391                   110                                      0
259213430                   124                                   5.45                              8/1/2007
259213515                   110                                      0
259213520                   110                                      0
259213557                   124                                   5.55                             8/15/2007
259213633                   124                                    6.5                             8/15/2007
259213635                   124                                   7.65                              9/1/2007
259213637                   124                                   7.27                              8/1/2007
259213667                   124                                    7.1                             8/15/2007
259213722                   124                                   5.79                             8/15/2007
259213749                   124                                    6.6                             8/15/2007
259213792                   124                                    9.3                             8/15/2007
259213833                   124                                   7.55                             8/15/2007
259213847                   124                                   7.75                              9/1/2007
259213849                   124                                   5.75                              9/1/2007
259214007                   124                                    4.3                              9/1/2007
259214018                   124                                      7                             9/15/2007
259408543                   124                                   6.75                              6/1/2007
259408651                   124                                   5.59                              5/1/2007
259408657                   124                                   5.85                              6/1/2007
259408664                   120                                   8.59                              5/1/2006
259408804                   124                                    5.6                              6/1/2007
259408819                   124                                    8.5                              6/1/2007
259408872                   124                                   7.45                              6/1/2007
259408876                   124                                   7.05                              7/1/2007
259408892                   124                                    6.9                              7/1/2007
259408902                   110                                      0
259408906                   110                                      0
259408972                   124                                   6.09                              7/1/2007
259409012                   124                                    9.4                             6/15/2007
259409074                   124                                   5.45                              8/1/2007
259409122                   110                                      0
259409135                   110                                      0
259409155                   153                                   4.74                              8/1/2008
259409170                   110                                      0
259409227                   110                                      0
259409249                   124                                   6.15                              8/1/2007
259409289                   124                                   5.75                              8/1/2007
259409340                   110                                      0
259409362                   124                                   5.85                              8/1/2007
259409376                   110                                      0
259409386                   110                                      0
259409437                   124                                    7.3                              8/1/2007
259409445                   124                                      5                             8/15/2007
259409459                   110                                      0
259409554                   124                                    4.6                              9/1/2007
259409613                   153                                   4.05                              9/1/2008
259500098                   124                                   8.48                              9/1/2007
259500110                   124                                    4.4                             8/15/2007
259500122                   124                                   7.03                              9/1/2007
259500145                   124                                   3.95                             8/15/2007
259500161                   124                                    6.2                              9/1/2007
259500220                   124                                   6.85                             9/15/2007
259500259                   110                                      0
259609675                   110                                      0
259609981                   124                                    5.9                             7/15/2007
259610046                   124                                    8.4                              7/1/2007
259610152                   124                                   7.05                              7/1/2007
259610191                   124                                    6.9                              8/1/2007
259610227                   124                                   8.93                              8/1/2007
259610330                   124                                    7.2                              8/1/2007
259610473                   110                                      0
259610505                   124                                   6.79                              9/1/2007
259610514                   124                                   3.85                              9/1/2007
259610537                   124                                   6.59                             9/15/2007
259610586                   124                                   6.75                             9/15/2007
259610631                   124                                   3.85                              9/1/2007
259610719                   124                                   7.59                             10/1/2007
259700061                   124                                   8.99                             6/22/2007
259700066                   124                                    8.9                             6/22/2007
259700067                   124                                   8.75                             6/21/2007
259700071                   110                                      0
259700073                   124                                    9.1                             6/21/2007
259700076                   110                                      0
259700084                   124                                   9.15                             6/22/2007
259700086                   124                                   6.54                             6/22/2007
259700090                   124                                    9.1                              6/8/2007
259700092                   124                                   8.75                             6/22/2007
259700093                   124                                   8.65                             6/22/2007
259700094                   124                                   7.25                             6/22/2007
259700096                   124                                   7.55                             6/22/2007
259700098                   124                                   6.25                              7/1/2007
259900386                   110                                      0
259900814                   124                                   6.75                              2/1/2006
259917041                   124                                   7.86                             12/1/2006
259917530                   153                                   4.35                              5/1/2008
259917534                   124                                      5                              5/1/2007
259917556                   110                                      0
259917562                   153                                  4.625                              5/1/2008
259917602                   124                                    7.8                             5/20/2007
259917604                   124                                   9.03                             5/18/2007
259917617                   124                                   9.05                             5/18/2007
259917620                   124                                    6.7                              5/2/2007
259917626                   124                                    4.9                              5/1/2007
259917628                   124                                   8.15                             5/18/2007
259917629                   124                                   7.45                             5/18/2007
259917632                   124                                   7.74                             5/19/2007
259917634                   124                                    8.1                             5/18/2007
259917635                   124                                   7.45                             5/20/2007
259917640                   124                                   7.15                             5/18/2007
259917649                   124                                   8.23                              5/1/2007
259917664                   110                                      0
259917668                   153                                    3.4                              6/1/2008
259917680                   124                                   6.56                              6/1/2007
259917693                   124                                   6.09                              6/6/2007
259917696                   124                                    7.3                              7/1/2007
259917712                   110                                      0
259917720                   124                                   7.25                              7/1/2007
259917723                   124                                   7.25                              7/1/2007
259917728                   124                                   7.25                              7/1/2007
259917734                   124                                   7.25                              7/1/2007
259917738                   124                                    3.4                              6/1/2007
259917739                   124                                   7.25                              7/1/2007
259917741                   124                                   6.95                              7/1/2007
259917744                   124                                   7.25                              7/1/2007
259917751                   124                                    5.1                              7/1/2007
259917784                   110                                      0
259917787                   124                                  8.125                              8/1/2007
259917798                   124                                  6.608                              7/1/2007
259917802                   124                                   4.15                              8/1/2007
259917809                   153                                   7.25                              8/1/2008
259917824                   124                                   6.04                              8/1/2007
259917826                   124                                   5.59                              7/1/2007
259917832                   124                                   6.81                              8/1/2007
259917844                   124                                      5                              8/3/2007
259917847                   124                                   5.45                             8/15/2007
259917857                   124                                   5.25                              8/1/2007
259917868                   124                                    6.2                              8/1/2007
259917874                   110                                      0
259917881                   124                                    5.3                             8/10/2007
259917883                   124                                    7.3                              9/1/2007
259917887                   124                                  6.125                              9/1/2007
259917888                   124                                      8                              8/4/2007
259917889                   124                                   7.99                              8/4/2007
259917893                   124                                   6.99                              9/1/2007
259917894                   124                                    7.3                              8/1/2007
259917896                   124                                    8.6                              8/1/2007
259917901                   124                                   5.14                              8/1/2007
259917915                   124                                   5.99                              8/1/2007
259917933                   124                                   6.75                              8/1/2007
259917953                   124                                    4.5                              8/1/2007
259917962                   124                                   5.21                              9/1/2007
259917966                   124                                  7.375                              8/1/2007
259917974                   115                                      0
259917981                   115                                      0
259918007                   110                                      0
259918019                   115                                      0
259918024                   124                                    5.5                              9/1/2007
259918058                   115                                      0
259918069                   115                                      0
281200190                   124                                    5.1                              8/1/2007
281200237                   110                                      0
281200238                   115                                      0
281200257                   110                                      0
281200277                   153                                   5.79                              8/1/2008
281200289                   153                                   6.85                             8/15/2008
281200292                   124                                   4.05                              9/1/2007
281200308                   124                                   3.95                             8/15/2007
281200319                   124                                   5.79                              9/1/2007
281200378                   124                                   7.55                              9/1/2007
281200428                   124                                   3.85                              9/1/2007
281200549                   124                                    7.1                             10/1/2007
281300034                   124                                   8.09                              6/1/2007
281300062                   110                                      0
281300077                   124                                    5.9                             6/15/2007
281300143                   124                                   6.45                              7/1/2007
281300169                   110                                      0
281300200                   124                                   5.79                             7/15/2007
281300217                   115                                      0
281300227                   115                                      0
281300230                   124                                    5.6                              8/1/2007
281300268                   124                                   6.49                              8/1/2007
281300274                   124                                    6.2                              8/1/2007
281300300                   124                                   5.15                              8/1/2007
281300305                   124                                    8.6                              8/1/2007
281300328                   110                                      0
281300331                   110                                      0
281300380                   124                                   7.45                             8/15/2007
281300478                   124                                    4.6                              9/1/2007
281300492                   124                                    7.7                             9/15/2007
281400081                   124                                   8.03                              9/1/2007
281400133                   124                                   5.85                             9/15/2007
281500019                   124                                   7.05                             8/15/2007
281500027                   124                                    6.6                              8/1/2007
281500068                   124                                   7.79                              8/1/2007
281800087                   124                                    7.3                              7/1/2007
281800176                   124                                   5.25                              7/1/2007
281800353                   124                                   4.05                             8/15/2007
281800354                   124                                    6.9                             8/15/2007
281800367                   124                                   4.75                             8/15/2007
281800383                   110                                      0
281800392                   124                                    7.7                              9/1/2007
281800401                   124                                      5                             8/15/2007
281800443                   124                                    6.6                              9/1/2007
281800445                   124                                   6.59                             8/15/2007
281800580                   124                                   6.85                             9/15/2007
281900035                   124                                    6.9                              7/1/2007
281900132                   124                                   6.85                              8/1/2007
281900200                   124                                    4.8                             8/15/2007
281900251                   124                                    4.4                              8/1/2007
281900290                   124                                    4.4                             8/15/2007
281900361                   124                                   7.19                              9/1/2007
282600002                   110                                      0
282600008                   110                                      0
282600023                   124                                    6.4                              8/1/2007
282600064                   124                                    6.7                              9/1/2007
282700059                   124                                   4.85                              9/1/2007
282800004                   153                                   5.45                              8/1/2008
282800009                   124                                   4.55                              8/1/2007
282800025                   124                                    6.9                              9/1/2007
283401462                   110                                      0
283401724                   110                                      0
283401939                   110                                      0
283402128                   110                                      0
283402140                   110                                      0
283402279                   124                                    7.8                              9/1/2007
283402342                   124                                   6.79                              8/1/2007
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283402551                   124                                   5.45                              9/1/2007
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283601293                   124                                    5.6                              8/1/2007
283601348                   124                                   5.42                              8/1/2007
283601429                   115                                      0
283601518                   124                                    6.9                             7/15/2007
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283601638                   124                                   6.95                              9/1/2007
283601745                   124                                    6.1                             8/15/2007
283601865                   124                                   8.41                              9/1/2007
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283902084                   124                                   6.95                             6/15/2007
283902124                   124                                   8.89                              7/1/2007
283902291                   124                                   7.65                             6/15/2007
283902466                   110                                      0
283902515                   124                                  4.855                             8/15/2007
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283902737                   124                                   4.05                             8/15/2007
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284104740                   110                                      0
284104897                   124                                      6                              7/1/2007
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284105082                   110                                      0
284105086                   124                                   8.11                              9/1/2007
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284105210                   124                                   6.59                             9/15/2007
284105257                   124                                   6.65                              9/1/2007
284105265                   124                                    8.1                             10/1/2007
284105321                   110                                      0
284205609                   124                                  5.875                             5/15/2007
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284206279                   115                                      0
284206286                   124                                   7.48                             8/15/2007
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284306009                   110                                      0
284306136                   110                                      0
284306139                   124                                    8.5                             6/15/2007
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284306235                   110                                      0
284306292                   110                                      0
284306373                   124                                   5.99                              7/1/2007
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284306544                   110                                      0
284306607                   124                                   5.85                             7/15/2007
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284306735                   124                                    4.8                              8/1/2007
284306818                   124                                   6.79                             9/15/2007
284306829                   110                                      0
284306909                   124                                   6.55                              9/1/2007
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284406520                   110                                      0
284406789                   124                                   6.09                             5/15/2007
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284407093                   124                                   5.55                              7/1/2007
284407360                   124                                    4.9                             8/15/2007
284407600                   110                                      0
284506491                   115                                      0
284506589                   124                                   7.45                             6/15/2007
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284506853                   124                                    6.7                              8/1/2007
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284602902                   124                                   4.05                              8/1/2007
284602920                   124                                    5.3                              8/1/2007
284602954                   110                                      0
284704809                   110                                      0
284705215                   110                                      0
284705736                   124                                    7.8                             5/15/2007
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284705823                   124                                    6.5                             5/15/2007
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284706042                   110                                      0
284706080                   124                                   5.75                             6/15/2007
284706112                   124                                   6.65                             7/15/2007
284706153                   110                                      0
284706187                   124                                    6.8                             7/15/2007
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284706250                   110                                      0
284706289                   124                                   5.65                              8/1/2007
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284706322                   124                                   8.46                              9/1/2007
284706434                   124                                   4.15                              9/1/2007
284706552                   124                                   7.04                             9/15/2007
284806125                   110                                      0
284806154                   124                                    5.2                              6/1/2007
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284806313                   110                                      0
284806543                   110                                      0
284806565                   124                                   4.79                              8/1/2007
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284905181                   110                                      0
284905276                   124                                   7.09                              6/1/2007
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284905353                   110                                      0
284905364                   110                                      0
284905394                   124                                   8.35                              7/1/2007
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284905507                   110                                      0
284905623                   124                                   7.75                              7/1/2007
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284905724                   110                                      0
284905742                   124                                   5.55                              8/1/2007
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284906001                   124                                    7.2                              9/1/2007
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285003307                   110                                      0
285003516                   124                                   9.09                             6/15/2007
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285003650                   110                                      0
285003766                   110                                      0
285003926                   124                                   8.81                             8/15/2007
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285104481                   124                                   5.45                              8/1/2007
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285203342                   124                                    7.8                              6/1/2007
285203440                   124                                   6.85                              7/1/2007
285203455                   110                                      0
285203683                   124                                  6.055                              8/1/2007
285203685                   124                                    7.3                              9/1/2007
285203689                   124                                   4.79                              8/1/2007
285203737                   124                                   8.03                              9/1/2007
285203783                   124                                   8.48                              8/1/2007
285203813                   124                                   8.57                              9/1/2007
285203830                   124                                   6.79                             8/15/2007
285203902                   124                                    7.1                             9/15/2007
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285302726                   124                                   5.25                              6/1/2007
285302773                   124                                   5.35                              6/1/2007
285302829                   115                                      0
285302833                   115                                      0
285302940                   124                                    6.3                             7/15/2007
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285303271                   124                                   7.79                             8/15/2007
285401621                   110                                      0
285402029                   124                                   9.65                              5/1/2007
285402055                   124                                   6.05                             5/15/2007
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285402192                   115                                      0
285402359                   124                                   7.75                             6/15/2007
285402387                   124                                  5.245                             6/15/2007
285402453                   124                                   5.45                             6/15/2007
285402507                   124                                    7.2                             8/15/2007
285402516                   110                                      0
285402541                   124                                    7.5                              7/1/2007
285402557                   124                                   5.35                              8/1/2007
285402631                   110                                      0
285402687                   124                                    6.7                              9/1/2007
285402712                   115                                      0
285402810                   124                                   4.05                              8/1/2007
285402934                   124                                   7.36                              9/1/2007
285402964                   124                                   7.61                             8/15/2007
285703119                   110                                      0
285703530                   110                                      0
285703563                   110                                      0
285703766                   124                                   5.45                             8/15/2007
285703853                   124                                    6.4                              9/1/2007
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285703968                   110                                      0
285800784                   110                                      0
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285901127                   124                                   5.45                              7/1/2007
285901181                   110                                      0
285901192                   124                                   7.45                             8/15/2007
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286102093                   117                                   2.25                              9/1/2010
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286400039                   124                                    3.5                              9/1/2007
286400058                   110                                      0
286400062                   124                                    4.7                             10/1/2007
286400067                   115                                      0
286400069                   110                                      0
286600001                   124                                    4.4                              7/1/2007
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286600015                   110                                      0
286600017                   124                                   6.05                              6/1/2007
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286600025                   153                                   6.95                              6/1/2008
286600026                   110                                      0
286600027                   124                                   5.63                              7/1/2007
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286600040                   110                                      0
286600041                   124                                   6.15                              6/1/2007
286600043                   115                                      0
286600047                   110                                      0
286600048                   110                                      0
286600056                   115                                      0
286600057                   110                                      0
286600065                   110                                      0
286600067                   153                                   4.95                              8/1/2008
286600070                   124                                    5.6                              7/1/2007
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286600073                   124                                      5                              8/1/2007
286600075                   124                                   3.99                              8/1/2007
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286600085                   153                                   6.75                              8/1/2008
286600089                   153                                   5.83                              7/1/2008
286600093                   110                                      0
286600094                   110                                      0
286600098                   110                                      0
286600100                   153                                   5.65                              8/1/2008
286600101                   124                                    6.4                              8/1/2007
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286600131                   124                                   5.65                              9/1/2007
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286600154                   110                                      0
286600159                   153                                   4.45                              9/1/2008
286600164                   124                                   3.99                              9/1/2007
286600166                   124                                    3.6                              9/1/2007
286600168                   124                                      4                              9/1/2007
286600173                   124                                   3.59                              9/1/2007
286600174                   153                                   5.05                              9/1/2008
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286600184                   110                                      0
286600185                   110                                      0
286600188                   124                                   4.35                              9/1/2007
286600233                   153                                    6.1                             10/1/2008
286600239                   153                                   4.65                             10/1/2008
286600244                   110                                      0
286600248                   110                                      0
286600252                   153                                   4.75                             10/1/2008
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286600260                   115                                      0
286700019                   153                                   5.75                             8/15/2008
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286700154                   153                                   4.65                             8/15/2008
286700162                   110                                      0
286700190                   124                                   8.05                             8/15/2007
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286902788                   124                                    4.9                              6/1/2007
286902833                   124                                    6.6                              7/1/2007
286902850                   110                                      0
286902889                   110                                      0
286902926                   124                                      8                              7/1/2007
286902959                   110                                      0
286902979                   124                                   7.35                              8/1/2007
286903022                   110                                      0
286903128                   124                                   6.75                              8/1/2007
286903133                   124                                   6.55                              8/1/2007
286903152                   124                                    6.5                              8/1/2007
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286903219                   124                                   5.99                              8/1/2007
286903223                   124                                   7.95                             8/15/2007
286903236                   110                                      0
286903272                   124                                   4.05                             8/15/2007
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286903313                   110                                      0
286903314                   110                                      0
286903326                   124                                   7.65                             8/15/2007
286903329                   110                                      0
286903332                   124                                   6.75                             8/15/2007
286903339                   153                                   4.65                             8/15/2008
286903356                   124                                      7                             8/15/2007
286903357                   124                                   4.79                             8/15/2007
286903371                   153                                   5.05                              9/1/2008
286903389                   124                                    4.4                             8/15/2007
286903390                   110                                      0
286903408                   124                                   4.05                              9/1/2007
286903419                   124                                   6.45                             8/15/2007
286903427                   124                                   5.35                             8/15/2007
286903442                   124                                    8.3                              8/1/2007
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286903557                   124                                   4.15                             8/15/2007
286903597                   124                                   3.85                              9/1/2007
286903832                   110                                      0
287200651                   124                                   5.09                              6/1/2007
287200652                   124                                   3.88                              6/1/2007
287200669                   124                                   3.95                              6/1/2007
287200674                   124                                    4.3                              6/1/2007
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287200690                   124                                   3.75                              7/1/2007
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287200710                   124                                   4.75                              9/1/2007
287200749                   124                                   4.15                              9/1/2007
287200754                   124                                   4.35                              9/1/2007
287200771                   124                                   3.59                              9/1/2007
287200792                   124                                    3.3                              9/1/2007
287200793                   124                                   4.05                              9/1/2007
287200805                   110                                      0
287301104                   153                                    4.6                              7/1/2008
287301181                   124                                   4.86                              7/1/2007
287301194                   124                                   4.55                              9/1/2007
287301202                   124                                    5.1                              7/1/2007
287301214                   124                                    4.1                              7/1/2007
287301216                   153                                   4.65                              8/1/2008
287301233                   153                                   4.99                              8/1/2008
287301234                   153                                   4.75                              8/1/2008
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287301303                   110                                      0
287301334                   115                                      0
287301338                   124                                    4.2                             10/1/2007
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287301342                   124                                    3.5                              9/1/2007
287301347                   124                                    4.4                              9/1/2007
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287301419                   115                                      0
287500713                   110                                      0
287500873                   153                                   4.95                              6/1/2008
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287500921                   153                                   5.25                              6/1/2008
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287501016                   124                                   6.89                             7/15/2007
287501018                   153                                    5.4                             7/15/2008
287501027                   153                                    5.3                             7/15/2008
287501029                   153                                   5.25                              8/1/2008
287501062                   110                                      0
287501070                   153                                    4.2                             7/15/2008
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287501075                   153                                   6.29                              8/1/2008
287501083                   124                                    5.9                              8/1/2007
287501108                   110                                      0
287501109                   153                                   6.15                             8/15/2008
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287501128                   153                                   5.05                             8/15/2008
287501138                   153                                   4.35                             8/15/2008
287501160                   153                                    4.4                              9/1/2008
287501173                   110                                      0
287501220                   110                                      0
287501233                   124                                      5                              9/1/2007
287501273                   153                                    4.2                             9/15/2008
287501274                   110                                      0
287501278                   115                                      0
287501294                   110                                      0
287501321                   153                                    3.3                             10/1/2008
287600879                   153                                    6.2                             4/15/2008
287600896                   124                                    7.2                             3/15/2007
287601055                   110                                      0
287601064                   153                                   5.35                             5/15/2008
287601117                   110                                      0
287601134                   153                                    5.8                             6/15/2008
287601150                   124                                   5.99                              7/1/2007
287601161                   124                                   6.15                              7/1/2007
287601178                   153                                   4.25                              7/1/2008
287601197                   153                                   6.54                              7/1/2008
287601210                   110                                      0
287601226                   110                                      0
287601229                   124                                      4                              8/1/2007
287601231                   110                                      0
287601254                   110                                      0
287601270                   153                                    4.5                              8/1/2008
287601282                   153                                   4.79                              8/1/2008
287601290                   153                                      4                             8/15/2008
287601314                   124                                    6.2                              9/1/2007
287601321                   153                                    5.8                              9/1/2008
287601334                   124                                      7                              9/1/2007
287601348                   124                                   6.35                              9/1/2007
287601377                   153                                   6.35                             9/15/2008
287601379                   124                                    4.5                             9/15/2007
287601380                   110                                      0
287601385                   115                                      0
287700479                   110                                      0
287700487                   124                                   4.09                             5/15/2007
287700545                   153                                    4.4                              6/1/2008
287700580                   153                                   7.09                              6/1/2008
287700582                   110                                      0
287700588                   153                                    5.6                              6/1/2008
287700596                   153                                   5.35                             6/15/2008
287700598                   110                                      0
287700614                   124                                    5.5                              7/1/2007
287700622                   110                                      0
287700629                   110                                      0
287700665                   153                                    5.1                             7/15/2008
287700676                   110                                      0
287700691                   153                                   5.09                             7/15/2008
287700696                   110                                      0
287700702                   124                                    6.7                              8/1/2007
287700737                   153                                    5.5                              8/1/2008
287700742                   115                                      0
287700746                   110                                      0
287700754                   153                                    5.6                              9/1/2008
287700772                   153                                    5.3                             8/15/2008
287700781                   153                                    6.4                              9/1/2008
287700819                   153                                   5.75                              9/1/2008
287700822                   110                                      0
287700827                   153                                      3                              9/1/2008
287700831                   124                                   6.59                             9/15/2007
287700836                   153                                    3.7                              9/1/2008
287700845                   110                                      0
287700852                   153                                    4.8                             10/1/2008
287700854                   124                                    6.4                              9/1/2007
287700860                   110                                      0
287700869                   124                                    3.4                             9/15/2007
287700884                   110                                      0
287700896                   153                                    4.3                             10/1/2008
287700906                   110                                      0
287800204                   110                                      0
287800243                   124                                   6.85                             7/15/2007
287800245                   124                                   5.75                             7/15/2007
287800264                   124                                   6.93                              9/1/2007
287800298                   124                                   3.74                              9/1/2007
287800306                   124                                   4.05                              9/1/2007
287800310                   124                                   4.95                              9/1/2007
287900366                   124                                   6.25                             12/1/2006
287900538                   124                                    5.9                              4/1/2007
287900604                   110                                      0
287900656                   124                                    4.4                              6/1/2007
288002886                   115                                      0
288002936                   124                                   7.09                              6/1/2007
288003118                   115                                      0
288003173                   115                                      0
288003342                   115                                      0
288003359                   110                                      0
288003370                   115                                      0
288003377                   124                                   4.05                              8/1/2007
288003437                   115                                      0
288003462                   115                                      0
288003484                   115                                      0
288003530                   124                                   4.25                              7/1/2007
288003543                   110                                      0
288003546                   115                                      0
288003561                   124                                   8.15                             7/15/2007
288003568                   110                                      0
288003594                   110                                      0
288003647                   124                                   7.25                              8/1/2007
288003660                   115                                      0
288003668                   124                                   4.99                              8/1/2007
288003692                   124                                   4.79                              8/1/2007
288003710                   115                                      0
288003750                   124                                   4.55                              8/1/2007
288003781                   110                                      0
288003862                   124                                   4.55                              9/1/2007
288003882                   124                                   4.05                              9/1/2007
288003974                   124                                   4.25                              9/1/2007
288103443                   110                                      0
288103562                   124                                   6.35                              6/1/2007
288104046                   124                                   4.85                             8/15/2007
288104326                   124                                   6.79                              9/1/2007
288104398                   110                                      0
288104425                   124                                   7.15                             9/15/2007
288104607                   153                                   3.85                              9/1/2008
288104736                   124                                    6.8                             9/15/2007
288201506                   124                                   8.65                              6/1/2007
288201657                   124                                    5.8                             6/15/2007
288201697                   124                                   5.45                             6/15/2007
288201737                   115                                      0
288201809                   124                                   8.81                             7/15/2007
288201904                   124                                    8.5                              8/1/2007
288201920                   124                                   7.35                             8/15/2007
288201953                   124                                   5.15                              8/1/2007
288201975                   124                                   5.45                              9/1/2007
288202013                   124                                   5.65                             8/15/2007
288202085                   124                                   3.85                              9/1/2007
288301955                   124                                  5.325                             3/15/2007
288302596                   124                                   6.09                             5/15/2007
288302655                   124                                      6                              6/1/2007
288302856                   124                                   5.35                              7/1/2007
288302865                   124                                    5.5                              7/1/2007
288302900                   124                                   6.85                              7/1/2007
288302945                   124                                   6.45                             7/15/2007
288302963                   124                                   6.55                              7/1/2007
288303009                   124                                    6.2                              8/1/2007
288303051                   124                                   7.65                              9/1/2007
288303103                   124                                   4.55                             8/15/2007
288303150                   124                                   6.79                             8/15/2007
288303275                   124                                   7.65                              9/1/2007
288303287                   124                                    8.3                              9/1/2007
288303374                   124                                   7.35                              9/1/2007
288303431                   124                                   5.59                              9/1/2007
288303570                   124                                    6.8                             9/15/2007
288502997                   124                                      7                              7/1/2007
288503011                   115                                      0
288503174                   124                                   4.85                             6/15/2007
288503270                   110                                      0
288503282                   115                                      0
288503311                   124                                   6.05                             8/15/2007
288503387                   115                                      0
288503440                   115                                      0
288503472                   115                                      0
288503519                   115                                      0
288503548                   115                                      0
288503683                   124                                    4.5                             8/15/2007
288503719                   124                                    4.6                              8/1/2007
288503798                   110                                      0
288503820                   110                                      0
288503838                   153                                   4.05                              8/1/2008
288503855                   124                                   6.35                              9/1/2007
288503862                   124                                    4.2                              8/1/2007
288503925                   153                                   4.15                              8/1/2008
288504011                   110                                      0
288504016                   124                                    4.9                             8/15/2007
288504035                   124                                   5.35                             8/15/2007
288504075                   110                                      0
288504163                   124                                   3.85                              9/1/2007
288504201                   124                                   3.85                              9/1/2007
288504314                   124                                   3.85                              9/1/2007
288504449                   110                                      0
288601519                   124                                   6.54                              5/1/2007
288601974                   124                                   8.09                             6/15/2007
288601975                   110                                      0
288602135                   124                                    6.8                             6/15/2007
288602238                   110                                      0
288602244                   124                                   5.55                              8/1/2007
288602342                   124                                    5.9                              8/1/2007
288602395                   110                                      0
288602408                   124                                   4.05                             8/15/2007
288602469                   124                                   5.79                             8/15/2007
288602474                   124                                    5.3                             8/15/2007
288602557                   124                                    7.6                              9/1/2007
288602569                   124                                   6.85                             8/15/2007
288602583                   124                                    7.6                              9/1/2007
288602604                   124                                   3.85                              9/1/2007
288602703                   124                                   3.85                              9/1/2007
288602790                   153                                   7.45                             9/15/2008
288701481                   124                                    5.1                             5/15/2007
288701773                   124                                   7.09                             6/15/2007
288701783                   110                                      0
288701869                   124                                   7.06                              7/1/2007
288701977                   124                                    5.2                              8/1/2007
288701989                   124                                   5.75                              8/1/2007
288702021                   124                                   5.35                             8/15/2007
288702022                   124                                   5.95                              8/1/2007
288702055                   124                                    7.3                              9/1/2007
288702076                   124                                   4.05                             8/15/2007
288702108                   124                                   4.25                             8/15/2007
288702197                   124                                    7.2                              9/1/2007
288801836                   124                                   5.09                              7/1/2007
288801876                   115                                      0
288802024                   124                                   5.09                             6/15/2007
288802116                   110                                      0
288802293                   124                                   4.75                              9/1/2007
288802337                   124                                   4.05                              9/1/2007
288802352                   124                                   4.05                              8/1/2007
288802354                   124                                   5.65                              8/1/2007
288802387                   124                                   4.05                              8/1/2007
288802426                   153                                   4.05                              9/1/2008
288802436                   124                                    4.8                              9/1/2007
288802469                   124                                    4.3                              9/1/2007
288802521                   124                                   3.85                              9/1/2007
288802532                   124                                   5.05                              9/1/2007
288901315                   124                                    4.9                              8/1/2007
289001193                   110                                      0
289001405                   124                                   5.85                              8/1/2007
289001463                   124                                   4.15                             8/15/2007
289001562                   124                                    4.3                              9/1/2007
289001605                   110                                      0
289102552                   120                                   7.09                             12/1/2005
289103158                   124                                   7.05                              8/1/2007
289103169                   124                                   7.95                              8/1/2007
289103204                   124                                   9.08                             8/15/2007
289103277                   124                                   7.05                              9/1/2007
289103284                   124                                    7.4                             9/15/2007
289202585                   110                                      0
289202628                   110                                      0
289202673                   124                                   6.35                              7/1/2007
289202713                   115                                      0
289202886                   110                                      0
289203005                   124                                    7.6                              7/1/2007
289203104                   110                                      0
289203142                   124                                   6.25                             7/15/2007
289203150                   124                                    6.9                              8/1/2007
289203167                   124                                   7.85                             8/15/2007
289203181                   124                                   5.55                             8/15/2007
289203186                   124                                   6.25                             8/15/2007
289203204                   124                                   4.05                             8/15/2007
289203222                   124                                   7.75                             8/15/2007
289203437                   124                                    6.2                              9/1/2007
289203487                   124                                   4.15                              9/1/2007
289301511                   124                                   7.05                              8/1/2007
289301894                   110                                      0
289301899                   124                                    4.9                             8/15/2007
289301918                   124                                    7.5                             7/15/2007
289301946                   124                                   8.75                              8/1/2007
289302097                   124                                   4.25                             8/15/2007
289302133                   124                                   5.55                              8/1/2007
289302287                   124                                    7.3                              9/1/2007
289401190                   115                                      0
289401282                   110                                      0
289401389                   124                                    5.4                              6/1/2007
289401461                   110                                      0
289401468                   124                                   6.09                              6/1/2007
289401545                   124                                   5.55                             6/15/2007
289401567                   124                                   6.35                             6/15/2007
289401929                   124                                    5.5                             7/15/2007
289401954                   110                                      0
289402013                   124                                    4.3                              8/1/2007
289402161                   124                                   4.05                              9/1/2007
289402314                   110                                      0
289402345                   124                                   3.85                              9/1/2007
289402478                   153                                    4.9                              9/1/2008
289500244                   124                                   5.95                             5/15/2007
289500274                   124                                   5.65                              6/1/2007
289500275                   110                                      0
289500278                   153                                   5.15                              8/1/2008
289500284                   124                                    6.7                             6/15/2007
289500297                   153                                    5.7                              6/1/2008
289500304                   124                                      5                              7/1/2007
289500305                   110                                      0
289500307                   153                                   7.03                              6/1/2008
289500315                   124                                   5.35                              6/1/2007
289500339                   124                                   5.45                              7/1/2007
289500340                   124                                   6.25                              7/1/2007
289500349                   110                                      0
289500374                   110                                      0
289500400                   124                                   4.79                              9/1/2007
289500401                   153                                      7                             8/15/2008
289500408                   110                                      0
289500413                   124                                   7.05                              9/1/2007
289500425                   153                                    4.2                              9/1/2008
289500434                   153                                    6.8                             9/15/2008
289500435                   110                                      0
289600248                   124                                   5.34                              6/1/2007
289600302                   124                                   4.79                              6/1/2007
289600406                   124                                   4.19                              8/1/2007
289600411                   124                                   3.95                              7/1/2007
289600420                   124                                    4.7                              8/1/2007
289600480                   124                                   3.65                              8/1/2007
289600485                   124                                   4.09                              8/1/2007
289600537                   124                                   3.59                              9/1/2007
289600567                   124                                   4.95                              9/1/2007
289600591                   124                                   4.45                              9/1/2007
289600603                   110                                      0
289600614                   124                                    4.2                              9/1/2007
289600631                   115                                      0
289600696                   110                                      0
289801683                   124                                    6.5                              7/1/2007
289801732                   110                                      0
289801777                   124                                      7                              7/1/2007
289802111                   110                                      0
289802141                   110                                      0
289802253                   124                                    7.2                             9/15/2007
289900006                   110                                      0
289900608                   110                                      0
289901035                   110                                      0
289901266                   124                                   6.25                              6/1/2007
289901306                   124                                    6.6                             6/15/2007
289901324                   124                                    6.1                             6/15/2007
289901441                   110                                      0
289901710                   124                                   6.95                              8/1/2007
289901772                   110                                      0
289901879                   124                                   7.36                             8/15/2007
289901904                   124                                   4.05                              8/1/2007
289901920                   124                                   5.15                              8/1/2007
289902040                   124                                    8.3                              9/1/2007
289902055                   124                                   7.15                              9/1/2007
289902188                   124                                    6.4                             10/1/2007
290000005                   124                                   7.45                             8/15/2007
290000064                   124                                    5.6                              8/1/2007
290000095                   124                                   6.79                             8/15/2007
290200743                   110                                      0
290200828                   124                                   5.85                             7/15/2007
290200878                   124                                   5.85                              7/1/2007
290201420                   124                                   5.25                              9/1/2007
290201448                   124                                   4.59                              9/1/2007
290300076                   124                                   5.85                              6/1/2007
290300109                   124                                    4.6                              6/1/2007
290300275                   124                                   4.65                              7/1/2007
290300517                   124                                   4.55                             7/15/2007
290300548                   124                                   4.85                             7/15/2007
290300549                   110                                      0
290300592                   124                                   4.75                              7/1/2007
290300634                   110                                      0
290300746                   124                                    6.2                              8/1/2007
290300758                   124                                   5.25                              8/1/2007
290300927                   110                                      0
290301015                   124                                   5.55                             8/15/2007
290301108                   124                                   6.55                              8/1/2007
290301381                   124                                   4.85                             10/1/2007
290301407                   110                                      0
290301559                   124                                   4.59                             9/15/2007
290400004                   115                                      0
290400011                   124                                   6.55                              8/1/2007
290400259                   124                                    6.1                             8/15/2007
290400615                   110                                      0
290500025                   153                                   5.35                              8/1/2008
290500029                   124                                   4.99                              8/1/2007
290500569                   124                                    6.5                              9/1/2007
290600077                   124                                   4.75                             8/15/2007
290600154                   110                                      0
290800024                   110                                      0
290900066                   124                                    5.1                              9/1/2007
291000024                   124                                   5.35                              8/1/2007
291000084                   120                                   5.25                             2/15/2006
291000114                   124                                   5.95                             8/15/2007
291000136                   124                                   5.15                             8/15/2007
291000173                   124                                   4.05                             8/15/2007
291000206                   124                                   7.16                              9/1/2007
291000234                   124                                    4.4                              9/1/2007
291000250                   124                                   5.95                              9/1/2007
291000257                   124                                   5.85                             9/15/2007
291000349                   124                                   7.28                             9/15/2007
291000406                   124                                   6.45                             10/1/2007
291100015                   124                                   4.55                             8/15/2007
291100043                   124                                   4.05                             8/15/2007
291100075                   124                                    6.3                              9/1/2007
291100117                   124                                    4.2                             8/15/2007
291100153                   124                                   4.05                              9/1/2007
291100234                   124                                   4.55                             10/1/2007
291100444                   124                                    7.3                             9/15/2007
291300090                   110                                      0

Loan Number                 Maximum Loan Rate                    Appraisal Value                 Purchase Price
------------------------------------------------------------------------------------------------------------------------
148902757                                          14.99                         212000                          202887
148903494                                              0                         515500                          515472
148903544                                          13.75                         429000                          427425
148903593                                          14.05                         285000                          280545
148903683                                          13.19                         280500                          276895
148903848                                           14.1                         118500                          113900
148903879                                              0                         437000                          420115
148903910                                          13.65                         178000                          161037
148903977                                          14.24                         280000                          277240
148904068                                          12.75                         127500                          114070
148904107                                           13.4                         183000                          182593
148904181                                           13.5                         419000                          418990
148904192                                          13.75                         495000                          494217
148904196                                             14                         358000                          355769
148904235                                           13.5                         447000                          446990
148904239                                           13.3                         131000                          129990
148904291                                           13.6                         544100                          544010
148904442                                           12.8                         361000                          360990
148904451                                           16.7                         395000                          394375
148904499                                              0                         160000                          151139
148904533                                           14.6                         127000                          127264
148904537                                           15.3                         200000                          196882
148904540                                          13.75                         217000                          216991
148904543                                          13.95                         205000                          199850
148904664                                           13.3                         159500                          159401
148904698                                          13.81                         425000                          424710
148904705                                           12.9                         411000                          410990
148904761                                           13.8                         530000                          523409
148904781                                          12.85                         601000                          600797
148904799                                              0                         185500                          182000
148904810                                           15.9                         151000                          150535
148904845                                           13.4                         315000                          298587
148904859                                          13.05                         170000                          169215
148904867                                          14.96                         172000                          170596
148904868                                          14.15                         147000                          145120
148904880                                           14.4                         167000                          164150
148904888                                          14.35                         143500                          143277
148904894                                          13.38                         190000                          188544
148904949                                              0                         159000                          152411
148904955                                           13.3                         325000                          306900
148904957                                         13.125                         149000                          148880
148904964                                           14.1                         237000                          236568
148904975                                              0                         138000                          135645
148904992                                           14.4                         176000                          174690
148904999                                          13.56                         150000                          149065
148905006                                          13.65                         176800                          174435
148905009                                          14.13                         144000                          143423
148905019                                          14.55                         109000                          106460
148905020                                           15.5                         293000                          292735
148905021                                             14                         123000                          122870
148905023                                          12.75                         225000                          222500
148905027                                           13.1                         154500                          153904
148905028                                              0                         124000                          121550
148905031                                          13.55                         262000                          261270
148905037                                           14.9                         119000                          113294
148905038                                          12.89                         161000                          160589
148905042                                           14.6                         127000                          126635
148905044                                              0                         455500                          454894
148905045                                          13.45                         294000                          285065
148905048                                              0                         149000                          148449
148905052                                          15.24                         495000                          486229
148905053                                           13.3                         115000                          113386
148905055                                          14.05                         165000                          164235
148905060                                          14.15                         170000                          165485
148905061                                              0                         156535                          156535
148905062                                              0                         331000                          330740
148905064                                          12.85                         510000                          479030
148905066                                              0                         176000                          174265
148905067                                           13.5                         125000                          121360
148905069                                              0                         123000                          122870
148905070                                              0                         190000                          188544
148905071                                              0                         140000                          137372
148905073                                           14.1                         119000                          112940
148905074                                          14.85                         116000                          108589
148905076                                              0                         275000                          275000
148905077                                              0                         124000                          123579
148905078                                           14.3                         166000                          165765
148905083                                              0                         163000                          158461
148905085                                           13.7                         150000                          145370
148905088                                             12                         165000                          164201
148905089                                           14.6                         145000                          136483
148905092                                          13.45                         215000                          215000
148905093                                              0                         151000                          150535
148905095                                          14.65                         167000                          165330
148905100                                           14.3                         196000                          172500
148905102                                             15                         134000                          134000
148905106                                          13.54                         168900                          168390
148905108                                           14.8                         260000                          259531
148905111                                          15.53                         224000                          222853
148905113                                           13.6                         142000                          140430
148905114                                          12.95                         129000                          128065
148905116                                              0                         176000                          175064
148905117                                              0                         149000                          148880
148905122                                          14.08                         200000                          199000
148905124                                              0                         278000                          275766
148905125                                              0                         150000                          145370
148905126                                          13.14                         171000                          170262
148905127                                              0                         225000                          222500
148905128                                              0                         166000                          165765
148905129                                              0                         176000                          174690
148905131                                             14                         168000                          162332
148905135                                              0                         191000                          184939
148905140                                              0                         180000                          177390
148905141                                          14.57                         189000                          188875
148905142                                          13.26                         341000                          323738
148905147                                              0                         176000                          174265
148905148                                              0                         159000                          157990
148905149                                              0                         124000                          123579
148905153                                          14.85                         160000                          152830
148905154                                          13.75                         156000                          155073
148905155                                          14.21                         208000                          207556
148905156                                          12.75                         279000                          278100
148905158                                          14.38                         570000                          551495
148905159                                              0                         165000                          164235
148905160                                              0                         155500                          153384
148905161                                              0                         126000                          114430
148905163                                          14.85                         176000                          174027
148905166                                              0                         167000                          165330
148905167                                          15.35                         149000                          147949
148905168                                             14                         226000                          222914
148905171                                          13.95                         197000                          192799
148905176                                              0                         140000                          133515
148905177                                          14.21                         210000                          209370
148905178                                              0                         146000                          145800
148905179                                           13.8                         159500                          159079
148905180                                              0                         150000                          149065
148905181                                              0                         141000                          135049
148905183                                              0                         199000                          199000
148905184                                           14.1                         152000                          151657
148905185                                              0                         134000                          134000
148905186                                              0                         176000                          174027
148905188                                              0                         199000                          198360
148905189                                              0                         279000                          278100
148905191                                              0                         108500                          104844
148905194                                              0                         170000                          165485
148905196                                           13.2                         159000                          158690
148905197                                              0                         145000                          136483
148905199                                              0                         121052                          121052
148905201                                              0                         149000                          147949
148905207                                              0                         123000                          119869
148905209                                          14.25                         141000                          137885
148905214                                              0                         172000                          170596
148905216                                          13.86                         253000                          188285
148905217                                              0                         159500                          159079
148905224                                              0                         126000                          114430
148905225                                          14.35                         134000                          128844
148905226                                          14.24                         142000                          135960
148905227                                              0                         146000                          142481
148905228                                          13.99                         174750                          174675
148905230                                              0                         425000                          424710
148905231                                             14                         160000                          157730
148905233                                          13.45                         195000                          190075
148905237                                              0                         217000                          216991
148905238                                           14.2                         122000                          120032
148905239                                             14                         195000                          190805
148905240                                              0                         210000                          209370
148905242                                          13.65                         210000                          212743
148905244                                              0                         226000                          222914
148905255                                          15.05                         133000                          132504
148905257                                           13.8                         168800                          168790
148905259                                          15.75                         193000                          192975
148905260                                          14.55                         115000                          107840
148905262                                           13.7                         224000                          224000
148905265                                              0                         144000                          129060
148905267                                          14.24                         141500                          136486
148905269                                           13.9                         236000                          232695
148905272                                              0                         133000                          132504
148905273                                              0                         224000                          224000
148905274                                              0                         142000                          135960
148905285                                          13.54                         135500                          130103
148905287                                              0                         174750                          174675
148905289                                              0                         178000                          161037
148905291                                              0                         195000                          190075
148905292                                           13.9                         135500                          130319
148905293                                              0                         189000                          188875
148905294                                              0                         144500                          140248
148905295                                              0                         141500                          136486
148905300                                          14.35                         176000                          174903
148905304                                              0                         190000                          188374
148905305                                              0                         155500                          155130
148905306                                              0                         155000                        154507.2
148905307                                              0                         170000                          169215
148905309                                           14.6                         166500                          158190
148905310                                              0                         129000                          128598
148905314                                             15                         158000                          156518
148905317                                              0                         265000                          263930
148905319                                          14.21                         148000                          147829
148905320                                              0                         184000                          181847
148905321                                          14.13                         160000                          152973
148905324                                              0                         158000                          156518
148905328                                              0                         569000                          568929
148905330                                           13.3                         315000                          291485
148905331                                              0                         197000                          192799
148905332                                             14                         124000                          121585
148905335                                          13.15                         160000                          160000
148905339                                          14.25                         372000                          370247
148905340                                              0                         140000                          133076
148905343                                           14.1                         170000                          169584
148905348                                          14.25                         203000                          192199
148905352                                          13.35                         340000                          320075
148905355                                              0                         274000                          271690
148905357                                              0                         148000                          147829
148905358                                              0                         160000                          152973
148905361                                          14.47                         153500                          151622
148905362                                              0                         240000                          238835
148905364                                          14.05                         166000                          163891
148905365                                          12.75                         203000                          200619
148905366                                              0                         207000                          204196
148905368                                              0                         176000                          174903
148905375                                           15.8                         270000                          253856
148905376                                              0                         210000                          212743
148905377                                          13.85                         144000                          143031
148905379                                              0                         138000                          135930
148905387                                          15.55                         157000                          155660
148905389                                              0                         166500                          158190
148905391                                              0                         134000                          134000
148905398                                              0                         160000                          160000
148905401                                              0                         215000                          215000
148905404                                              0                         300000                          298025
148905405                                              0                         170000                          169702
148905406                                          13.55                         364000                          362985
148905407                                              0                         157500                          152990
148905414                                           13.4                         160000                          159692
148905416                                              0                         153500                          151622
148905417                                              0                         203000                          192199
148905420                                           14.2                         332000                          331335
148905424                                              0                         190000                          184026
148905429                                           13.4                         163000                          161013
148905433                                          15.55                         124000                          121099
148905437                                           13.8                         137000                          133888
148905438                                              0                         255000                          254555
148905449                                              0                         166000                          165787
148905451                                              0                         140000                          133076
148905452                                          13.29                         335000                          319199
148905453                                           13.4                         123000                          120197
148905458                                          14.25                         159000                          149420
148905465                                              0                         159000                          149420
148905469                                              0                         134000                          134000
148905472                                          14.85                         163000                          160295
148905474                                              0                         124000                          121099
148905475                                             14                         232000                          228098
148905479                                          14.45                         101000                           99085
148905488                                           13.7                         131000                          128355
148905489                                          13.54                         184400                          184230
148905490                                          15.39                         253000                          232990
148905492                                          13.32                         245000                          244444
148905493                                           14.3                         184000                          178005
148905496                                           13.1                         173000                          172815
148905500                                              0                         163000                          160295
148905501                                          14.45                         168300                          168295
148905503                                           14.2                         101000                          100520
148905504                                              0                         173000                          172815
148905506                                          15.45                         266000                          253200
148905511                                          13.85                         127000                          126885
148905515                                           14.4                         260000                          259990
148905516                                          14.95                         569000                          524745
148905517                                           13.8                         190000                          189040
148905518                                              0                         133000                          131504
148905521                                              0                         122000                          120032
148905523                                              0                         168300                          168295
148905525                                              0                         245000                          244444
148905527                                             14                         136000                          135121
148905530                                          14.41                         147000                          139675
148905531                                           13.7                         430000                          429084
148905538                                          14.55                         171500                          171170
148905540                                          12.65                         192000                          192000
148905541                                          13.85                         273000                          265861
148905547                                          14.75                         180000                          179140
148905548                                          14.75                         101000                           98000
148905550                                             14                         129000                          128699
148905552                                             14                          94000                           88990
148905561                                           14.1                         124000                          121360
148905563                                           15.5                         115000                          110824
148905568                                           14.5                         145000                          142380
148905571                                          14.75                         278000                          274800
148905591                                           13.7                         400000                          398252
148905596                                           15.1                         145000                          143394
148905598                                           13.9                         150000                          148078
148905599                                           13.1                         184000                          183033
148905602                                          12.95                         245000                          241957
148905605                                          13.75                         134000                          124860
148905609                                           11.9                         293000                          293000
148905610                                          13.87                         205000                          173990
148905613                                          13.25                         190000                          184525
148905623                                          14.39                         154000                          148848
148905629                                          13.35                         144000                          142990
148905640                                          14.09                         163000                          161802
148905641                                           12.9                         146000                          144826
148905642                                              0                         123500                          121939
148905645                                           14.4                         260000                          253000
148905651                                          14.13                         261000                          260680
148905652                                           15.4                         158500                          152097
148905654                                          14.55                         184000                          183986
148905656                                              0                         138000                          137869
148905659                                          12.75                         161000                          159990
148905666                                          14.55                         172000                          165127
148905669                                              0                         153000                          152125
148905678                                          14.05                         205000                          199000
148905685                                           12.4                         184500                          184300
148905695                                          13.35                         155000                          154717
148905713                                          13.72                         156000                          151014
148905715                                              0                         185000                          182010
148905719                                          16.55                         348000                          258207
148905720                                          13.62                         160000                          159714
148905723                                           13.5                         149500                          149009
148905733                                           13.9                         155500                          152195
148905737                                              0                         128000                          124175
148905739                                           12.4                         157000                          156940
148905745                                           12.6                         248000                          247500
148905767                                           15.3                         176500                          176109
148905772                                          13.85                         239000                          238835
148905783                                          13.75                         174500                          170568
148905851                                              0                         131500                          129194
148905862                                              0                         317000                          313360
148905863                                              0                         158000                          156153
148905875                                              0                         165000                          163435
148905883                                              0                         155000                          154359
148905901                                              0                         140000                          139900
148905921                                              0                         266000                          265446
186300001                                           14.1                         198500                          198338
186300003                                           13.4                         440500                          440219
186300008                                          13.05                         510000                          512990
186300011                                           13.7                         449000                          448767
186300019                                          13.45                         621000                          620547
186300024                                           13.4                         463000                          462990
186300031                                          13.55                         467000                          466990
186300038                                          13.05                         342000                          318034
186300039                                          13.75                         282500                          252879
186300042                                              0                         285000                          264937
186300047                                         12.675                         500000                          487485
186300048                                           13.7                         567500                          538864
186300051                                          13.49                         124000                          121550
186300055                                           13.6                         466000                          465006
186300057                                          12.75                         290000                          286000
186300064                                              0                         342000                          318034
186300065                                          15.22                         340000                          298180
186300067                                           13.9                         275000                          230502
186300069                                          13.75                         445000                          408464
186300071                                         13.875                         415000                          413990
186300074                                              0                         510000                          512990
186300075                                          13.07                         265000                          257449
186300076                                           13.7                         435500                          432982
186300079                                              0                         282500                          252879
186300080                                              0                         290000                          286000
186300086                                              0                         265000                          257449
186300087                                          13.15                         453500                          453498
186300088                                          13.74                         410000                          409990
186300092                                              0                         411000                          410990
186300093                                              0                         429000                          427425
186300096                                           14.1                         336000                          335968
186300099                                              0                         463000                          462990
186300101                                              0                         557000                          556921
186300105                                              0                         290000                          286000
186300107                                          13.25                         375000                          373933
186300108                                              0                         440500                          440435
186300109                                              0                         410000                          409990
186300111                                              0                         466000                          465006
186300113                                              0                         377500                          368000
186300114                                           13.6                         381100                          381073
186300115                                              0                         425300                          425240
186300116                                           13.5                         628000                          624318
186300119                                             13                         526500                          526113
186300120                                           13.3                         460000                          459447
186300121                                          13.75                         350000                          337925
186300122                                           13.5                         315000                          294186
186300124                                              0                         474000                          473784
186300126                                           13.4                         444000                          443991
186300128                                              0                         375000                          373933
186300129                                          13.15                         235000                          224440
186300137                                          13.75                         550000                          534914
186300139                                          12.85                         415000                          414990
186300140                                           14.8                         444000                          443990
186300142                                              0                         275000                          267545
186300146                                              0                         526500                          526113
186300148                                              0                         315000                          294186
186300150                                              0                         415000                          414990
186300157                                           13.4                         272000                          270000
186300159                                           14.4                         236500                          236024
186300160                                           13.8                         214000                          207835
186300161                                           13.7                         582000                          580400
186300163                                           13.7                         474000                          473990
186300164                                          13.75                         575000                          561920
186300167                                          13.05                         288000                          287618
186300168                                          13.35                         286000                          282010
186300175                                              0                         358000                          357638
186300182                                              0                         530000                          523409
186300184                                           13.1                         435000                          434990
186300186                                              0                         288000                          287618
186300190                                           14.2                         400000                          398880
186300191                                           13.2                         369000                          362236
186300192                                              0                         550000                          534914
186300193                                          14.75                         350000                          265649
186300195                                              0                         381100                          381073
186300196                                          13.65                         380000                          378973
186300197                                              0                         286000                          282010
186300200                                              0                         147000                          145120
186300203                                              0                         236500                          236024
186300206                                           13.3                         578000                          577990
186300208                                           13.7                         451000                          450990
186300213                                              0                         260000                          257666
186300214                                              0                         419000                          418825
186300215                                              0                         214000                          207835
186300216                                           13.6                         493000                          489626
186300223                                              0                         400000                          398880
186300225                                           13.5                         381000                          380990
186300226                                              0                         185000                          181140
186300234                                              0                         400000                          399342
186300235                                          13.75                         299000                          298456
186300236                                          13.85                         300000                          299893
186300247                                              0                         400000                          398990
186300253                                          13.95                         250000                          207373
186300255                                              0                         578000                          577990
186300256                                              0                         474000                          473990
186300261                                           13.9                         398500                          395990
186300262                                          12.95                         438000                          437990
186300263                                           13.5                         408000                          407531
186300264                                          13.85                         364000                          293355
186300265                                           13.7                         470000                          467636
186300266                                              0                         335000                          310081
186300267                                          12.75                         345000                          324622
186300269                                              0                         364000                          293355
186300273                                          13.99                         180000                          173798
186300276                                              0                         345000                          324622
186300278                                              0                         270000                          261064
186300279                                              0                         493000                          489626
186300280                                          13.25                         481000                          480990
186300281                                           13.7                         360000                          345564
186300283                                              0                         398500                          395990
186300284                                              0                         299000                          298456
186300287                                          13.25                         565000                          562980
186300294                                             14                         308000                          298500
186300295                                              0                         435000                          433156
186300296                                          14.05                         446000                          445990
186300299                                          13.54                         438000                          437943
186300302                                           13.5                         569000                          568164
186300303                                              0                         415000                          407578
186300311                                              0                         360000                          345564
186300313                                              0                         402000                          401990
186300319                                          12.47                         450000                          445754
186300322                                          13.95                         405000                          398304
186300325                                          12.75                         270000                          257808
186300327                                          13.95                         400000                          399990
186300329                                              0                         435000                          433156
186300330                                          12.75                         193000                          185797
186300334                                              0                         308000                          298500
186300335                                           13.5                         564000                          563990
186300336                                           13.7                         425000                          424990
186300343                                          12.75                         604000                          602775
186300352                                           13.5                         457000                          456990
186300354                                          12.55                         490000                          489220
186300357                                           13.3                         455000                          447725
186300361                                              0                         490000                          489220
186300363                                          13.75                         279000                          277663
186300369                                           13.5                         450500                          450190
186300376                                           13.5                         424000                          421240
186300377                                           13.3                         272000                          252401
186300380                                           14.2                         550000                          549990
186300388                                           13.3                         362000                          361914
186300411                                          14.05                         335000                          302543
186300420                                          13.65                         432500                          431990
186300422                                           13.5                         460000                          459636
186300424                                          12.95                         320000                          318601
186300425                                           13.6                         515000                          511174
186300431                                          13.12                         536000                          535593
186300444                                           13.3                         347000                          346258
186300455                                          12.85                         370000                          368030
186300467                                          14.79                         128000                          126560
186300469                                             14                         232000                          229575
186300470                                           13.5                         463000                          459776
186300475                                          14.45                         280000                          248751
186300481                                           13.2                         432000                          429008
186300495                                          13.25                         357600                          357540
186300496                                          13.54                         398500                          393456
186300508                                           13.6                         345000                          306258
186300512                                           13.5                         284000                          277615
186300534                                          13.65                         370000                          362920
186300581                                              0                         552200                          552163
186500001                                          13.91                         150000                          148380
186500002                                           13.7                         138000                          136875
186500003                                           13.5                         117000                          113170
186500006                                          13.95                         131500                          131055
186500007                                              0                         137000                          132599
186500008                                          13.25                         118000                          111676
186500010                                              0                         150000                          148380
186500011                                              0                         190000                          188000
186500012                                           14.3                         235500                          235295
186500013                                          15.85                         122000                          117830
186500015                                              0                         138000                          136875
186500016                                              0                         137000                          132599
186500020                                          13.95                         135000                          135000
186500026                                              0                         151981                          151981
186500027                                              0                         166000                          165047
186500034                                              0                         132000                          130570
186500038                                              0                         161000                          156817
186500040                                           15.8                         130000                          128960
186500043                                           13.9                         137500                          136735
186500045                                              0                         145000                          144113
186500046                                           13.3                         114000                          114000
186500048                                              0                         130000                          128960
186500049                                              0                         132000                          130570
186500052                                          13.99                         252000                          248000
186500054                                          13.95                         186000                          185420
186500055                                              0                         150000                          149247
186500058                                          13.95                         130000                          123695
186500059                                              0                         136000                          135560
186500060                                              0                         190000                          188000
186500061                                           12.7                         137500                          135770
186500064                                              0                         114000                          114000
186500065                                              0                         137500                          135770
186500066                                              0                         162000                          161005
186500067                                           12.9                         113278                          113278
186500068                                           13.6                         327000                          290321
186500070                                              0                         161000                          156817
186500074                                           13.5                         171000                          169195
186500077                                              0                         109000                          108842
186500078                                              0                         146000                          144130
186500082                                           15.2                         185000                          182495
186500085                                              0                         109000                          108842
186500088                                          15.05                         171000                          170260
186500094                                          14.55                         142000                          135900
186500098                                          13.95                         104000                          103685
186500099                                              0                         185000                          182495
186500103                                              0                         139500                          130900
186500107                                          14.59                         155000                          154946
186500108                                           14.8                         316000                          307155
186500111                                              0                         171000                          170260
186500113                                           14.1                         118000                          117802
186500115                                              0                         157000                          150997
186500121                                          13.85                         143000                          133900
186500123                                          13.95                         142500                          142185
186500124                                          14.75                         178000                          173620
186500127                                          13.25                         158000                          152535
186500130                                          14.95                         162000                          161234
186500138                                          13.95                         133500                          129775
186500140                                          13.25                         127500                          120900
186500158                                          13.95                         105000                          104970
186500159                                             15                         200000                          189401
186500162                                          13.55                         165000                          164247
186500166                                          13.85                         147263                          143419
186500167                                              0                         141500                          137468
186500169                                          14.35                         117500                          113900
186500176                                           14.3                         143835                          143835
186500178                                              0                         119500                          119265
186500180                                              0                         163000                          161574
186500181                                          13.95                         194500                          194160
186500182                                          14.55                         215000                          210509
186500186                                              0                         117500                          116500
186500193                                          13.85                         191000                          190882
186500200                                              0                         177000                          173555
186500204                                              0                         208000                          200000
186500205                                          13.35                         143000                          142814
186500220                                         12.875                         424000                          414280
186500248                                          15.85                         150000                          146720
186500251                                           14.2                         102000                          102000
186500261                                              0                         198000                          195900
240012605                                          15.99                          77000                           75000
240012631                                          15.34                         290000                          290000
240012633                                              0                         112000                               0
240012645                                              0                         116000                          116000
240012648                                          12.99                          99000                           97700
240012654                                          12.75                         320000                          311204
240012676                                              0                         175000                          180000
240012681                                              0                          68000                           68000
240012708                                           16.6                          85000                           85000
240012722                                           15.2                         165000                          135000
240012751                                          14.55                         220000                               0
240012798                                          15.25                         115000                          115000
240012800                                           14.1                         130000                               0
240012824                                          13.45                          85000                           85000
240012825                                          15.15                         175000                               0
240012829                                              0                         114000                               0
240012830                                           15.9                          61100                           61100
240012833                                          15.74                         163000                          163000
240012836                                              0                         195195                          195195
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247404840                                           13.1                         184000                          184000
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248605447                                           13.7                         170000                          169900
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248605459                                          15.05                         270000                               0
248605460                                           14.3                          92500                           88000
248605465                                          13.37                         168000                          167500
248605471                                          13.65                         325000                          325000
248605474                                             14                         169000                          168500
248605478                                           13.1                         255000                          254950
248605481                                           15.5                         161000                               0
248605484                                              0                         325000                          325000
248605489                                             14                         244000                               0
248605492                                              0                         136500                          136395
248605499                                              0                          90000                           90000
248605502                                          14.47                         178000                          174000
248605504                                          14.05                         150000                          149900
248605505                                           13.3                         235000                          235000
248605509                                          13.65                         276000                          275250
248605514                                           13.2                         223000                          222900
248605527                                          14.95                         333000                               0
248605530                                           13.6                         177000                          177000
248605537                                              0                         255000                          254950
248605539                                          14.75                         530000                               0
248605541                                             13                         150000                          150000
248605546                                          14.75                         189000                          189000
248605547                                          13.95                         219000                          219000
248605549                                              0                         172000                          169900
248605551                                          15.35                         144500                          144500
248605552                                              0                         177000                          177000
248605553                                          14.15                         250000                          250000
248605554                                          14.18                         180000                          175000
248605561                                           14.3                         129500                          129500
248605562                                          15.54                         130000                               0
248605571                                              0                          79000                           79000
248605576                                           13.9                         239000                          238000
248605579                                          13.95                         192000                          190000
248605580                                           17.8                         126000                               0
248605582                                          13.75                         179000                          179000
248605583                                           14.6                         212000                               0
248605585                                          13.39                         177000                          177000
248605594                                          14.05                         125000                          125000
248605600                                              0                         168000                          167500
248605602                                          13.72                         258000                          257500
248605612                                           14.7                         119000                          119000
248605618                                           13.4                         164900                          161500
248605626                                              0                          92500                           88000
248605627                                             13                         153450                          152800
248605634                                          13.49                         165000                          161000
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248605643                                              0                         177000                          177000
248605648                                          14.43                         228000                          227000
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248605656                                              0                         150000                          150000
248605661                                              0                         119000                          119000
248605663                                              0                         466000                          393776
248605665                                          14.35                         130000                               0
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248605689                                          14.28                         145000                          144200
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248605712                                              0                         165000                          161000
248605719                                              0                         132200                          132200
248605724                                              0                         138950                          138950
248605726                                              0                         171500                          170000
248605727                                              0                         235000                          235000
248605730                                             13                         250000                          250000
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248605739                                              0                         292500                          292500
248605740                                          15.05                         188000                          186500
248605742                                             14                         182000                          170000
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248605759                                              0                         125000                          125000
248605760                                             15                         142000                          142000
248605762                                              0                         153600                          153500
248605767                                          13.35                         205000                               0
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248605784                                              0                         250000                          250000
248605785                                          13.55                         277000                          277000
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248605789                                           15.2                         190000                               0
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248605801                                             13                         265000                          264400
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248605836                                              0                         142000                          142000
248605840                                              0                         280000                               0
248605844                                           13.2                         207000                          207000
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248605846                                              0                         133000                          132465
248605847                                              0                         180000                          180000
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248605912                                          14.75                         170000                          169950
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248605919                                           13.5                         160000                          160000
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248605970                                             14                         387000                          387000
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251500947                                         13.675                         288430                          288430
251500956                                             15                         189000                          189000
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251501165                                           13.8                          85815                           85815
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251600978                                          14.35                         104000                          103275
251601038                                          13.95                         175000                          158800
251601169                                           13.9                         168000                          168000
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259007863                                              0                         125000                               0
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284104740                                              0                         150000                               0
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288003359                                              0                         410000                               0
288003370                                              0                         315000                               0
288003377                                          13.25                         595000                               0
288003437                                              0                         310000                               0
288003462                                              0                         550000                               0
288003484                                              0                         315000                               0
288003530                                          13.25                         405000                               0
288003543                                              0                         145000                               0
288003546                                              0                         402000                               0
288003561                                          17.15                         327000                               0
288003568                                              0                         495000                               0
288003594                                              0                         163000                               0
288003647                                          16.45                         292000                               0
288003660                                              0                         350000                               0
288003668                                          13.99                         362000                               0
288003692                                          13.99                         120000                               0
288003710                                              0                         390000                               0
288003750                                          13.75                         302000                               0
288003781                                              0                         432500                               0
288003862                                          13.75                         367000                               0
288003882                                          13.25                         395000                               0
288003974                                          13.65                         530000                               0
288103443                                              0                          90000                               0
288103562                                          15.25                         142000                               0
288104046                                          13.85                          88000                               0
288104326                                          15.99                          75000                               0
288104398                                              0                         220000                               0
288104425                                          16.55                          68000                               0
288104607                                          13.25                         278000                               0
288104736                                           16.2                         195000                               0
288201506                                          17.55                         360000                               0
288201657                                           14.7                         325000                               0
288201697                                          14.45                         370000                               0
288201737                                              0                         489000                               0
288201809                                          17.81                         370000                               0
288201904                                           17.5                         370000                               0
288201920                                          16.55                          70000                               0
288201953                                          14.35                         390000                               0
288201975                                          14.85                         220000                               0
288202013                                          14.85                         290000                               0
288202085                                          13.25                         245000                               0
288301955                                         13.775                         235000                               0
288302596                                          14.99                         248000                               0
288302655                                           14.9                         575000                               0
288302856                                          14.25                         420000                               0
288302865                                           14.5                          85000                               0
288302900                                          15.85                         580000                               0
288302945                                          15.45                         175000                               0
288302963                                          15.55                          58000                               0
288303009                                           15.2                          79000                               0
288303051                                          16.65                          79000                               0
288303103                                          13.75                         109000                               0
288303150                                          15.99                         113500                               0
288303275                                          16.85                          56900                               0
288303287                                           17.5                         130000                               0
288303374                                          16.75                         185000                               0
288303431                                          14.99                         375000                               0
288303570                                           16.2                         117000                               0
288502997                                           15.9                         370000                               0
288503011                                              0                         370000                               0
288503174                                          13.75                         320000                               0
288503270                                              0                         165000                               0
288503282                                              0                         440000                               0
288503311                                          15.25                         485000                               0
288503387                                              0                         400000                               0
288503440                                              0                         380000                               0
288503472                                              0                         425000                               0
288503519                                              0                         677000                               0
288503548                                              0                         550000                               0
288503683                                           13.5                         215000                               0
288503719                                           13.6                         615000                               0
288503798                                              0                         325000                               0
288503820                                              0                         330000                               0
288503838                                          13.25                         195000                               0
288503855                                          15.55                         308000                               0
288503862                                           13.4                         389000                               0
288503925                                          13.35                         360000                               0
288504011                                              0                         567500                               0
288504016                                           14.3                         300000                               0
288504035                                          14.55                         310000                               0
288504075                                              0                         567000                               0
288504163                                          13.25                         410000                               0
288504201                                          13.25                         327000                               0
288504314                                          13.25                         755000                               0
288504449                                              0                         305000                               0
288601519                                          14.99                         788000                               0
288601974                                          16.99                          91000                               0
288601975                                              0                         252000                               0
288602135                                           15.8                         375000                               0
288602238                                              0                         583000                               0
288602244                                          14.55                         325000                               0
288602342                                           15.1                         400000                               0
288602395                                              0                         550000                               0
288602408                                          13.25                         420000                               0
288602469                                          14.99                         365000                               0
288602474                                           14.5                         390000                               0
288602557                                           16.8                         210000                               0
288602569                                          16.25                         260000                               0
288602583                                             17                         385000                               0
288602604                                          13.25                         360000                               0
288602703                                          13.25                         270000                               0
288602790                                          16.85                         830000                               0
288701481                                          13.75                         415000                               0
288701773                                          15.99                         281500                               0
288701783                                              0                         220000                               0
288701869                                          15.96                         315000                               0
288701977                                           14.2                         310000                               0
288701989                                          14.75                         520000                               0
288702021                                          14.35                         340000                               0
288702022                                          14.95                         500000                               0
288702055                                           16.5                         270000                               0
288702076                                          13.25                         223000                               0
288702108                                          13.45                         365000                               0
288702197                                           16.4                         215000                               0
288801836                                          13.99                         346500                               0
288801876                                              0                         440000                               0
288802024                                          13.99                         550000                               0
288802116                                              0                         400000                               0
288802293                                          13.95                         200000                               0
288802337                                          13.25                         225000                               0
288802352                                          13.25                         445000                               0
288802354                                          14.85                         205000                               0
288802387                                          13.25                         517000                               0
288802426                                          13.25                         179000                               0
288802436                                             14                         430000                               0
288802469                                           13.5                         580000                               0
288802521                                          13.25                         363000                               0
288802532                                          14.45                         380000                               0
288901315                                           13.9                         331000                               0
289001193                                              0                         400000                               0
289001405                                          14.85                         146000                               0
289001463                                          13.35                         315000                               0
289001562                                           13.7                         515000                               0
289001605                                              0                         330000                               0
289102552                                          15.49                         440000                               0
289103158                                          16.25                          78000                               0
289103169                                          17.15                         100000                               0
289103204                                          18.28                         255000                               0
289103277                                          16.25                         115000                               0
289103284                                           16.6                         139000                               0
289202585                                              0                         220000                               0
289202628                                              0                          73000                               0
289202673                                          15.25                          69000                               0
289202713                                              0                         225000                               0
289202886                                              0                          90000                               0
289203005                                           16.6                         635000                               0
289203104                                              0                         163000                               0
289203142                                          15.25                         310000                               0
289203150                                           15.9                         219000                               0
289203167                                          16.85                         150000                               0
289203181                                          14.75                         112000                               0
289203186                                          15.45                          85000                               0
289203204                                          13.25                         138000                               0
289203222                                          16.95                         210000                               0
289203437                                           15.4                         105000                               0
289203487                                          13.55                         118000                               0
289301511                                          16.25                          95000                               0
289301894                                              0                         570000                               0
289301899                                           13.9                         540000                               0
289301918                                           16.5                         545000                               0
289301946                                          17.75                         255000                               0
289302097                                          13.25                         309000                               0
289302133                                          14.75                          75000                               0
289302287                                           16.5                         177200                               0
289401190                                              0                         196000                               0
289401282                                              0                         180000                               0
289401389                                           14.3                          98000                               0
289401461                                              0                          85000                               0
289401468                                          14.99                          61000                               0
289401545                                          14.45                         130000                               0
289401567                                          15.25                         190000                               0
289401929                                           14.5                         550000                               0
289401954                                              0                         360000                               0
289402013                                           13.5                         241000                               0
289402161                                          13.25                         129000                               0
289402314                                              0                          76500                               0
289402345                                          13.25                         245000                               0
289402478                                           14.3                         220000                               0
289500244                                          14.85                         565000                               0
289500274                                          14.55                         369000                               0
289500275                                              0                          85000                           80000
289500278                                          14.15                         400000                               0
289500284                                           15.6                         265000                               0
289500297                                           14.6                         350000                          340000
289500304                                           13.9                         350000                               0
289500305                                              0                          70500                           69200
289500307                                          15.93                         471000                          471000
289500315                                          14.25                          95000                           95000
289500339                                          14.45                         123000                          119250
289500340                                          15.25                         115000                          104000
289500349                                              0                          82000                           81500
289500374                                              0                          70000                           69900
289500400                                          13.99                         186500                               0
289500401                                           16.4                         133250                               0
289500408                                              0                         150000                               0
289500413                                          16.45                          59890                           59890
289500425                                           13.6                         400000                               0
289500434                                           16.2                          82000                           82000
289500435                                              0                         186000                               0
289600248                                          14.24                         350000                          350000
289600302                                          13.69                         356000                          356000
289600406                                          13.19                         160000                          160000
289600411                                          12.95                         400000                               0
289600420                                           13.7                         400000                               0
289600480                                          12.85                         269000                          269000
289600485                                          13.29                         430000                               0
289600537                                          12.79                         500000                          500000
289600567                                          14.35                         218000                          218000
289600591                                          13.85                         340000                               0
289600603                                              0                         415000                          410000
289600614                                           13.6                         460000                               0
289600631                                              0                         340000                          340000
289600696                                              0                         499000                          278000
289801683                                           15.4                         150000                               0
289801732                                              0                          71450                               0
289801777                                           15.9                         140000                               0
289802111                                              0                          70000                               0
289802141                                              0                         132500                               0
289802253                                           16.4                          74000                               0
289900006                                              0                         179000                               0
289900608                                              0                          88600                               0
289901035                                              0                         335000                               0
289901266                                          15.15                         282000                               0
289901306                                           15.5                         241000                               0
289901324                                             15                         103000                               0
289901441                                              0                         152000                               0
289901710                                          15.95                         125000                               0
289901772                                              0                          82500                               0
289901879                                          16.56                         126000                               0
289901904                                          13.25                         135000                               0
289901920                                          14.35                         150000                               0
289902040                                           17.7                         875000                               0
289902055                                          16.55                         175000                               0
289902188                                           15.8                         102000                               0
290000005                                          16.45                          75000                               0
290000064                                           14.6                          75000                               0
290000095                                          15.99                         132000                               0
290200743                                              0                          77000                               0
290200828                                          14.75                         380000                               0
290200878                                          14.75                         200000                               0
290201420                                          14.45                         123000                               0
290201448                                          13.99                         175000                               0
290300076                                          14.75                         325000                               0
290300109                                           13.5                         115000                               0
290300275                                          13.55                         220000                               0
290300517                                          13.75                         257000                               0
290300548                                          13.75                         356500                               0
290300549                                              0                         175000                               0
290300592                                          13.75                         100000                               0
290300634                                              0                         143500                               0
290300746                                           15.2                         216000                               0
290300758                                          14.25                         270000                               0
290300927                                              0                         260000                               0
290301015                                          14.75                         179000                               0
290301108                                          15.75                         635000                               0
290301381                                          14.25                         150000                               0
290301407                                              0                         551500                               0
290301559                                          13.99                         265000                               0
290400004                                              0                         263000                               0
290400011                                          15.45                         520000                               0
290400259                                           15.3                         178000                               0
290400615                                              0                         108000                               0
290500025                                          14.25                         445000                               0
290500029                                          13.99                         400000                               0
290500569                                           15.7                         280000                               0
290600077                                          13.95                         550000                               0
290600154                                              0                         520000                               0
290800024                                              0                         280000                               0
290900066                                           14.5                         600000                               0
291000024                                          14.55                         227000                               0
291000084                                          13.95                         284000                               0
291000114                                          15.15                         148000                               0
291000136                                          14.35                         280000                               0
291000173                                          13.25                         290000                               0
291000206                                          16.56                         236000                               0
291000234                                           13.8                         200000                               0
291000250                                          15.35                         200000                               0
291000257                                          15.25                         305000                               0
291000349                                          16.68                         156000                               0
291000406                                          15.85                         270000                               0
291100015                                          13.75                         500000                               0
291100043                                          13.25                         660000                               0
291100075                                           15.5                         209000                               0
291100117                                           13.4                         478000                               0
291100153                                          13.25                         650000                               0
291100234                                          13.95                         335000                               0
291100444                                           16.7                         480000                               0
291300090                                              0                         151500                               0

Loan Number                 Product                                 Deferred Interest            Loan Group
------------------------------------------------------------------------------------------------------------------
148902757                   2/28 6 MO LIBOR                                                                     2
148903494                   Fixed Rate Balloon                                                                  3
148903544                   3/27 6 MO LIBOR IO                                                                  2
148903593                   2/28 6 MO LIBOR                                                                     2
148903683                   3/27 6 MO LIBOR IO                                                                  2
148903848                   2/28 6 MO LIBOR                                                                     2
148903879                   Fixed Rate Balloon                                                                  2
148903910                   2/28 6 MO LIBOR IO                                                                  2
148903977                   2/28 6 MO LIBOR                                                                     2
148904068                   2/28 6 MO LIBOR                                                                     2
148904107                   2/28 6 MO LIBOR IO                                                                  2
148904181                   2/28 6 MO LIBOR IO                                                                  3
148904192                   2/28 6 MO LIBOR IO                                                                  2
148904196                   2/28 6 MO LIBOR IO                                                                  3
148904235                   2/28 6 MO LIBOR IO                                                                  3
148904239                   2/28 6 MO LIBOR IO                                                                  2
148904291                   2/28 6 MO LIBOR IO                                                                  3
148904442                   3/27 6 MO LIBOR IO                                                                  2
148904451                   2/28 6 MO LIBOR                                                                     2
148904499                   Fixed Rate                                                                          2
148904533                   2/28 6 MO LIBOR                                                                     2
148904537                   2/28 6 MO LIBOR                                                                     2
148904540                   2/28 6 MO LIBOR IO                                                                  2
148904543                   2/28 6 MO LIBOR                                                                     2
148904664                   3/27 6 MO LIBOR IO                                                                  2
148904698                   2/28 6 MO LIBOR IO                                                                  2
148904705                   3/27 6 MO LIBOR IO                                                                  2
148904761                   2/28 6 MO LIBOR IO                                                                  2
148904781                   2/28 6 MO LIBOR IO                                                                  2
148904799                   Fixed Rate                                                                          2
148904810                   2/28 6 MO LIBOR                                                                     2
148904845                   3/27 6 MO LIBOR IO                                                                  2
148904859                   3/27 6 MO LIBOR                                                                     2
148904867                   2/28 6 MO LIBOR IO                                                                  2
148904868                   2/28 6 MO LIBOR                                                                     2
148904880                   2/28 6 MO LIBOR                                                                     2
148904888                   2/28 6 MO LIBOR                                                                     2
148904894                   2/28 6 MO LIBOR                                                                     2
148904949                   Fixed Rate                                                                          2
148904955                   2/28 6 MO LIBOR IO                                                                  2
148904957                   3/27 6 MO LIBOR IO                                                                  2
148904964                   2/28 6 MO LIBOR IO                                                                  2
148904975                   Fixed Rate                                                                          2
148904992                   2/28 6 MO LIBOR                                                                     2
148904999                   3/27 6 MO LIBOR IO                                                                  2
148905006                   2/28 6 MO LIBOR IO                                                                  2
148905009                   3/27 6 MO LIBOR IO                                                                  2
148905019                   3/27 6 MO LIBOR                                                                     2
148905020                   2/28 6 MO LIBOR                                                                     1
148905021                   2/28 6 MO LIBOR                                                                     2
148905023                   2/28 6 MO LIBOR IO                                                                  2
148905027                   2/28 6 MO LIBOR IO                                                                  2
148905028                   Fixed Rate Balloon                                                                  2
148905031                   3/27 6 MO LIBOR                                                                     2
148905037                   2/28 6 MO LIBOR                                                                     2
148905038                   3/27 6 MO LIBOR IO                                                                  2
148905042                   3/27 6 MO LIBOR                                                                     2
148905044                   Fixed Rate Balloon                                                                  2
148905045                   2/28 6 MO LIBOR IO                                                                  2
148905048                   Fixed Rate                                                                          2
148905052                   2/28 6 MO LIBOR                                                                     2
148905053                   2/28 6 MO LIBOR IO                                                                  2
148905055                   2/28 6 MO LIBOR                                                                     2
148905060                   2/28 6 MO LIBOR IO                                                                  2
148905061                   Fixed Rate                                                                          2
148905062                   Fixed Rate                                                                          2
148905064                   2/28 6 MO LIBOR IO                                                                  3
148905066                   Fixed Rate                                                                          2
148905067                   2/28 6 MO LIBOR                                                                     2
148905069                   Fixed Rate Balloon                                                                  2
148905070                   Fixed Rate                                                                          2
148905071                   Fixed Rate                                                                          2
148905073                   2/28 6 MO LIBOR                                                                     2
148905074                   2/28 6 MO LIBOR                                                                     2
148905076                   Fixed Rate                                                                          2
148905077                   Fixed Rate                                                                          2
148905078                   2/28 6 MO LIBOR                                                                     2
148905083                   Fixed Rate                                                                          2
148905085                   2/28 6 MO LIBOR                                                                     2
148905088                   3/27 6 MO LIBOR IO                                                                  2
148905089                   2/28 6 MO LIBOR                                                                     2
148905092                   2/28 6 MO LIBOR IO                                                                  2
148905093                   Fixed Rate                                                                          2
148905095                   2/28 6 MO LIBOR                                                                     2
148905100                   2/28 6 MO LIBOR                                                                     2
148905102                   2/28 6 MO LIBOR                                                                     2
148905106                   2/28 6 MO LIBOR IO                                                                  2
148905108                   3/27 6 MO LIBOR                                                                     2
148905111                   2/28 6 MO LIBOR                                                                     2
148905113                   2/28 6 MO LIBOR IO                                                                  2
148905114                   2/28 6 MO LIBOR IO                                                                  2
148905116                   Fixed Rate Balloon                                                                  2
148905117                   Fixed Rate Balloon                                                                  2
148905122                   2/28 6 MO LIBOR IO                                                                  2
148905124                   Fixed Rate Balloon                                                                  2
148905125                   Fixed Rate Balloon                                                                  2
148905126                   2/28 6 MO LIBOR IO                                                                  2
148905127                   Fixed Rate Balloon                                                                  2
148905128                   Fixed Rate Balloon                                                                  2
148905129                   Fixed Rate Balloon                                                                  2
148905131                   2/28 6 MO LIBOR                                                                     2
148905135                   Fixed Rate                                                                          2
148905140                   Fixed Rate Balloon                                                                  2
148905141                   2/28 6 MO LIBOR                                                                     2
148905142                   2/28 6 MO LIBOR IO                                                                  2
148905147                   Fixed Rate Balloon                                                                  2
148905148                   Fixed Rate Balloon                                                                  2
148905149                   Fixed Rate Balloon                                                                  2
148905153                   3/27 6 MO LIBOR IO                                                                  2
148905154                   2/28 6 MO LIBOR                                                                     3
148905155                   2/28 6 MO LIBOR IO                                                                  2
148905156                   3/27 6 MO LIBOR IO                                                                  2
148905158                   2/28 6 MO LIBOR IO                                                                  2
148905159                   Fixed Rate Balloon                                                                  2
148905160                   Fixed Rate Balloon                                                                  2
148905161                   Fixed Rate                                                                          2
148905163                   3/27 6 MO LIBOR                                                                     2
148905166                   Fixed Rate Balloon                                                                  2
148905167                   2/28 6 MO LIBOR                                                                     2
148905168                   3/27 6 MO LIBOR                                                                     2
148905171                   2/28 6 MO LIBOR                                                                     2
148905176                   Fixed Rate Balloon                                                                  2
148905177                   2/28 6 MO LIBOR IO                                                                  2
148905178                   Fixed Rate                                                                          2
148905179                   2/28 6 MO LIBOR IO                                                                  2
148905180                   Fixed Rate Balloon                                                                  2
148905181                   Fixed Rate Balloon                                                                  2
148905183                   Fixed Rate                                                                          2
148905184                   3/27 6 MO LIBOR IO                                                                  2
148905185                   Fixed Rate Balloon                                                                  2
148905186                   Fixed Rate                                                                          2
148905188                   Fixed Rate                                                                          2
148905189                   Fixed Rate Balloon                                                                  2
148905191                   Fixed Rate Balloon                                                                  2
148905194                   Fixed Rate Balloon                                                                  2
148905196                   2/28 6 MO LIBOR IO                                                                  3
148905197                   Fixed Rate Balloon                                                                  2
148905199                   Fixed Rate Balloon                                                                  2
148905201                   Fixed Rate Balloon                                                                  2
148905207                   Fixed Rate Balloon                                                                  2
148905209                   2/28 6 MO LIBOR                                                                     2
148905214                   Fixed Rate                                                                          2
148905216                   2/28 6 MO LIBOR                                                                     2
148905217                   Fixed Rate                                                                          2
148905224                   Fixed Rate Balloon                                                                  2
148905225                   2/28 6 MO LIBOR                                                                     2
148905226                   2/28 6 MO LIBOR                                                                     2
148905227                   Fixed Rate                                                                          2
148905228                   2/28 6 MO LIBOR                                                                     2
148905230                   Fixed Rate Balloon                                                                  2
148905231                   2/28 6 MO LIBOR                                                                     2
148905233                   2/28 6 MO LIBOR                                                                     2
148905237                   Fixed Rate                                                                          2
148905238                   2/28 6 MO LIBOR                                                                     2
148905239                   2/28 6 MO LIBOR IO                                                                  3
148905240                   Fixed Rate                                                                          2
148905242                   2/28 6 MO LIBOR IO                                                                  2
148905244                   Fixed Rate Balloon                                                                  2
148905255                   2/28 6 MO LIBOR IO                                                                  2
148905257                   2/28 6 MO LIBOR IO                                                                  2
148905259                   3/27 6 MO LIBOR IO                                                                  2
148905260                   2/28 6 MO LIBOR                                                                     2
148905262                   3/27 6 MO LIBOR IO                                                                  2
148905265                   Fixed Rate                                                                          2
148905267                   2/28 6 MO LIBOR                                                                     2
148905269                   2/28 6 MO LIBOR IO                                                                  2
148905272                   Fixed Rate Balloon                                                                  2
148905273                   Fixed Rate Balloon                                                                  2
148905274                   Fixed Rate Balloon                                                                  2
148905285                   2/28 6 MO LIBOR                                                                     2
148905287                   Fixed Rate                                                                          2
148905289                   Fixed Rate                                                                          2
148905291                   Fixed Rate Balloon                                                                  2
148905292                   2/28 6 MO LIBOR                                                                     2
148905293                   Fixed Rate                                                                          2
148905294                   Fixed Rate Balloon                                                                  2
148905295                   Fixed Rate                                                                          2
148905300                   2/28 6 MO LIBOR IO                                                                  2
148905304                   Fixed Rate                                                                          2
148905305                   Fixed Rate                                                                          2
148905306                   Fixed Rate Balloon                                                                  2
148905307                   Fixed Rate Balloon                                                                  2
148905309                   2/28 6 MO LIBOR IO                                                                  2
148905310                   Fixed Rate                                                                          2
148905314                   2/28 6 MO LIBOR IO                                                                  2
148905317                   Fixed Rate                                                                          2
148905319                   2/28 6 MO LIBOR                                                                     2
148905320                   Fixed Rate Balloon                                                                  2
148905321                   2/28 6 MO LIBOR IO                                                                  2
148905324                   Fixed Rate                                                                          2
148905328                   Fixed Rate Balloon                                                                  2
148905330                   2/28 6 MO LIBOR                                                                     2
148905331                   Fixed Rate Balloon                                                                  2
148905332                   2/28 6 MO LIBOR                                                                     2
148905335                   2/28 6 MO LIBOR IO                                                                  2
148905339                   2/28 6 MO LIBOR IO                                                                  2
148905340                   Fixed Rate                                                                          2
148905343                   2/28 6 MO LIBOR                                                                     2
148905348                   2/28 6 MO LIBOR                                                                     2
148905352                   2/28 6 MO LIBOR IO                                                                  3
148905355                   Fixed Rate Balloon                                                                  2
148905357                   Fixed Rate                                                                          2
148905358                   Fixed Rate Balloon                                                                  2
148905361                   2/28 6 MO LIBOR IO                                                                  2
148905362                   Fixed Rate                                                                          2
148905364                   2/28 6 MO LIBOR                                                                     2
148905365                   3/27 6 MO LIBOR IO                                                                  2
148905366                   Fixed Rate                                                                          2
148905368                   Fixed Rate Balloon                                                                  2
148905375                   2/28 6 MO LIBOR IO                                                                  2
148905376                   Fixed Rate Balloon                                                                  2
148905377                   3/27 6 MO LIBOR                                                                     2
148905379                   Fixed Rate                                                                          2
148905387                   3/27 6 MO LIBOR IO                                                                  2
148905389                   Fixed Rate                                                                          2
148905391                   Fixed Rate                                                                          2
148905398                   Fixed Rate                                                                          2
148905401                   Fixed Rate Balloon                                                                  2
148905404                   Fixed Rate                                                                          2
148905405                   Fixed Rate Balloon                                                                  2
148905406                   2/28 6 MO LIBOR                                                                     2
148905407                   Fixed Rate                                                                          2
148905414                   2/28 6 MO LIBOR                                                                     2
148905416                   Fixed Rate                                                                          2
148905417                   Fixed Rate                                                                          2
148905420                   2/28 6 MO LIBOR                                                                     2
148905424                   Fixed Rate Balloon                                                                  2
148905429                   3/27 6 MO LIBOR IO                                                                  2
148905433                   2/28 6 MO LIBOR                                                                     2
148905437                   2/28 6 MO LIBOR                                                                     2
148905438                   Fixed Rate Balloon                                                                  2
148905449                   Fixed Rate                                                                          2
148905451                   Fixed Rate                                                                          2
148905452                   2/28 6 MO LIBOR                                                                     2
148905453                   2/28 6 MO LIBOR                                                                     2
148905458                   2/28 6 MO LIBOR                                                                     2
148905465                   Fixed Rate                                                                          2
148905469                   Fixed Rate Balloon                                                                  2
148905472                   2/28 6 MO LIBOR IO                                                                  2
148905474                   Fixed Rate                                                                          2
148905475                   2/28 6 MO LIBOR IO                                                                  3
148905479                   2/28 6 MO LIBOR                                                                     3
148905488                   2/28 6 MO LIBOR                                                                     3
148905489                   2/28 6 MO LIBOR IO                                                                  3
148905490                   2/28 6 MO LIBOR IO                                                                  1
148905492                   2/28 6 MO LIBOR IO                                                                  2
148905493                   2/28 6 MO LIBOR IO                                                                  3
148905496                   2/28 6 MO LIBOR IO                                                                  2
148905500                   Fixed Rate Balloon                                                                  2
148905501                   2/28 6 MO LIBOR                                                                     2
148905503                   3/27 6 MO LIBOR                                                                     2
148905504                   Fixed Rate Balloon                                                                  2
148905506                   2/28 6 MO LIBOR IO                                                                  1
148905511                   3/27 6 MO LIBOR                                                                     3
148905515                   2/28 6 MO LIBOR                                                                     3
148905516                   2/28 6 MO LIBOR                                                                     1
148905517                   3/27 6 MO LIBOR IO                                                                  3
148905518                   Fixed Rate                                                                          3
148905521                   Fixed Rate                                                                          2
148905523                   Fixed Rate                                                                          2
148905525                   Fixed Rate Balloon                                                                  2
148905527                   2/28 6 MO LIBOR                                                                     3
148905530                   2/28 6 MO LIBOR IO                                                                  3
148905531                   2/28 6 MO LIBOR                                                                     3
148905538                   2/28 6 MO LIBOR IO                                                                  1
148905540                   2/28 6 MO LIBOR IO                                                                  3
148905541                   2/28 6 MO LIBOR IO                                                                  3
148905547                   2/28 6 MO LIBOR                                                                     1
148905548                   2/28 6 MO LIBOR                                                                     1
148905550                   2/28 6 MO LIBOR                                                                     3
148905552                   2/28 6 MO LIBOR                                                                     3
148905561                   3/27 6 MO LIBOR                                                                     3
148905563                   2/28 6 MO LIBOR                                                                     1
148905568                   2/28 6 MO LIBOR                                                                     1
148905571                   2/28 6 MO LIBOR IO                                                                  1
148905591                   2/28 6 MO LIBOR IO                                                                  3
148905596                   2/28 6 MO LIBOR                                                                     1
148905598                   2/28 6 MO LIBOR IO                                                                  3
148905599                   2/28 6 MO LIBOR IO                                                                  3
148905602                   2/28 6 MO LIBOR IO                                                                  3
148905605                   2/28 6 MO LIBOR                                                                     3
148905609                   2/28 6 MO LIBOR IO                                                                  3
148905610                   2/28 6 MO LIBOR IO                                                                  3
148905613                   2/28 6 MO LIBOR IO                                                                  3
148905623                   2/28 6 MO LIBOR IO                                                                  3
148905629                   3/27 6 MO LIBOR                                                                     3
148905640                   3/27 6 MO LIBOR IO                                                                  3
148905641                   2/28 6 MO LIBOR IO                                                                  3
148905642                   Fixed Rate                                                                          3
148905645                   2/28 6 MO LIBOR IO                                                                  3
148905651                   2/28 6 MO LIBOR IO                                                                  3
148905652                   2/28 6 MO LIBOR                                                                     3
148905654                   2/28 6 MO LIBOR                                                                     3
148905656                   Fixed Rate                                                                          3
148905659                   2/28 6 MO LIBOR IO                                                                  3
148905666                   2/28 6 MO LIBOR IO                                                                  3
148905669                   Fixed Rate                                                                          3
148905678                   2/28 6 MO LIBOR IO                                                                  3
148905685                   2/28 6 MO LIBOR                                                                     3
148905695                   2/28 6 MO LIBOR                                                                     3
148905713                   2/28 6 MO LIBOR IO                                                                  3
148905715                   Fixed Rate IO                                                                       3
148905719                   2/28 6 MO LIBOR                                                                     3
148905720                   2/28 6 MO LIBOR IO                                                                  3
148905723                   2/28 6 MO LIBOR                                                                     3
148905733                   2/28 6 MO LIBOR                                                                     3
148905737                   Fixed Rate                                                                          3
148905739                   2/28 6 MO LIBOR                                                                     3
148905745                   2/28 6 MO LIBOR                                                                     3
148905767                   2/28 6 MO LIBOR                                                                     3
148905772                   2/28 6 MO LIBOR IO                                                                  3
148905783                   3/27 6 MO LIBOR                                                                     3
148905851                   Fixed Rate Balloon                                                                  3
148905862                   Fixed Rate                                                                          3
148905863                   Fixed Rate Balloon                                                                  3
148905875                   Fixed Rate                                                                          3
148905883                   Fixed Rate                                                                          3
148905901                   Fixed Rate                                                                          3
148905921                   Fixed Rate                                                                          3
186300001                   2/28 6 MO LIBOR IO                                                                  2
186300003                   2/28 6 MO LIBOR IO                                                                  2
186300008                   2/28 6 MO LIBOR IO                                                                  2
186300011                   2/28 6 MO LIBOR IO                                                                  3
186300019                   2/28 6 MO LIBOR IO                                                                  2
186300024                   2/28 6 MO LIBOR IO                                                                  2
186300031                   3/27 6 MO LIBOR IO                                                                  2
186300038                   2/28 6 MO LIBOR                                                                     2
186300039                   2/28 6 MO LIBOR IO                                                                  2
186300042                   Fixed Rate Balloon                                                                  2
186300047                   2/28 6 MO LIBOR IO                                                                  3
186300048                   2/28 6 MO LIBOR                                                                     2
186300051                   3/27 6 MO LIBOR                                                                     2
186300055                   3/27 6 MO LIBOR IO                                                                  2
186300057                   2/28 6 MO LIBOR IO                                                                  2
186300064                   Fixed Rate Balloon                                                                  2
186300065                   2/28 6 MO LIBOR                                                                     2
186300067                   2/28 6 MO LIBOR IO                                                                  2
186300069                   2/28 6 MO LIBOR IO                                                                  2
186300071                   2/28 6 MO LIBOR IO                                                                  2
186300074                   Fixed Rate Balloon                                                                  2
186300075                   3/27 6 MO LIBOR                                                                     2
186300076                   3/27 6 MO LIBOR IO                                                                  2
186300079                   Fixed Rate Balloon                                                                  2
186300080                   Fixed Rate Balloon                                                                  2
186300086                   Fixed Rate Balloon                                                                  2
186300087                   2/28 6 MO LIBOR IO                                                                  2
186300088                   2/28 6 MO LIBOR IO                                                                  2
186300092                   Fixed Rate Balloon                                                                  2
186300093                   Fixed Rate Balloon                                                                  2
186300096                   2/28 6 MO LIBOR IO                                                                  3
186300099                   Fixed Rate Balloon                                                                  2
186300101                   Fixed Rate Balloon                                                                  2
186300105                   Fixed Rate Balloon                                                                  2
186300107                   2/28 6 MO LIBOR IO                                                                  2
186300108                   Fixed Rate Balloon                                                                  2
186300109                   Fixed Rate Balloon                                                                  2
186300111                   Fixed Rate Balloon                                                                  2
186300113                   Fixed Rate Balloon                                                                  2
186300114                   2/28 6 MO LIBOR IO                                                                  2
186300115                   Fixed Rate Balloon                                                                  2
186300116                   2/28 6 MO LIBOR IO                                                                  2
186300119                   2/28 6 MO LIBOR IO                                                                  2
186300120                   2/28 6 MO LIBOR IO                                                                  2
186300121                   2/28 6 MO LIBOR IO                                                                  2
186300122                   2/28 6 MO LIBOR IO                                                                  2
186300124                   Fixed Rate Balloon                                                                  2
186300126                   2/28 6 MO LIBOR IO                                                                  2
186300128                   Fixed Rate Balloon                                                                  2
186300129                   3/27 6 MO LIBOR IO                                                                  2
186300137                   2/28 6 MO LIBOR IO                                                                  2
186300139                   2/28 6 MO LIBOR IO                                                                  2
186300140                   2/28 6 MO LIBOR                                                                     2
186300142                   Fixed Rate Balloon                                                                  2
186300146                   Fixed Rate Balloon                                                                  2
186300148                   Fixed Rate                                                                          2
186300150                   Fixed Rate Balloon                                                                  2
186300157                   2/28 6 MO LIBOR                                                                     2
186300159                   2/28 6 MO LIBOR IO                                                                  2
186300160                   3/27 6 MO LIBOR IO                                                                  2
186300161                   2/28 6 MO LIBOR IO                                                                  2
186300163                   3/27 6 MO LIBOR IO                                                                  2
186300164                   2/28 6 MO LIBOR IO                                                                  2
186300167                   2/28 6 MO LIBOR IO                                                                  2
186300168                   2/28 6 MO LIBOR IO                                                                  2
186300175                   Fixed Rate                                                                          2
186300182                   Fixed Rate Balloon                                                                  2
186300184                   2/28 6 MO LIBOR IO                                                                  3
186300186                   Fixed Rate Balloon                                                                  2
186300190                   2/28 6 MO LIBOR IO                                                                  2
186300191                   2/28 6 MO LIBOR IO                                                                  2
186300192                   Fixed Rate Balloon                                                                  2
186300193                   2/28 6 MO LIBOR                                                                     3
186300195                   Fixed Rate Balloon                                                                  2
186300196                   2/28 6 MO LIBOR IO                                                                  3
186300197                   Fixed Rate Balloon                                                                  2
186300200                   Fixed Rate Balloon                                                                  2
186300203                   Fixed Rate Balloon                                                                  2
186300206                   2/28 6 MO LIBOR IO                                                                  2
186300208                   3/27 6 MO LIBOR IO                                                                  2
186300213                   Fixed Rate Balloon                                                                  2
186300214                   Fixed Rate Balloon                                                                  2
186300215                   Fixed Rate                                                                          2
186300216                   2/28 6 MO LIBOR IO                                                                  2
186300223                   Fixed Rate Balloon                                                                  2
186300225                   2/28 6 MO LIBOR IO                                                                  3
186300226                   Fixed Rate Balloon                                                                  2
186300234                   Fixed Rate Balloon                                                                  2
186300235                   2/28 6 MO LIBOR                                                                     2
186300236                   2/28 6 MO LIBOR                                                                     3
186300247                   Fixed Rate Balloon                                                                  2
186300253                   2/28 6 MO LIBOR IO                                                                  2
186300255                   Fixed Rate Balloon                                                                  2
186300256                   Fixed Rate Balloon                                                                  2
186300261                   2/28 6 MO LIBOR IO                                                                  2
186300262                   2/28 6 MO LIBOR IO                                                                  3
186300263                   2/28 6 MO LIBOR IO                                                                  3
186300264                   2/28 6 MO LIBOR IO                                                                  2
186300265                   2/28 6 MO LIBOR IO                                                                  3
186300266                   Fixed Rate Balloon                                                                  2
186300267                   3/27 6 MO LIBOR IO                                                                  2
186300269                   Fixed Rate Balloon                                                                  2
186300273                   2/28 6 MO LIBOR IO                                                                  3
186300276                   Fixed Rate Balloon                                                                  2
186300278                   Fixed Rate Balloon                                                                  2
186300279                   Fixed Rate Balloon                                                                  2
186300280                   2/28 6 MO LIBOR IO                                                                  2
186300281                   2/28 6 MO LIBOR IO                                                                  2
186300283                   Fixed Rate Balloon                                                                  2
186300284                   Fixed Rate Balloon                                                                  2
186300287                   2/28 6 MO LIBOR IO                                                                  3
186300294                   2/28 6 MO LIBOR IO                                                                  2
186300295                   Fixed Rate                                                                          2
186300296                   2/28 6 MO LIBOR IO                                                                  3
186300299                   2/28 6 MO LIBOR IO                                                                  2
186300302                   2/28 6 MO LIBOR IO                                                                  3
186300303                   Fixed Rate Balloon                                                                  2
186300311                   Fixed Rate Balloon                                                                  2
186300313                   Fixed Rate                                                                          3
186300319                   2/28 6 MO LIBOR IO                                                                  3
186300322                   2/28 6 MO LIBOR IO                                                                  3
186300325                   2/28 6 MO LIBOR IO                                                                  3
186300327                   2/28 6 MO LIBOR IO                                                                  3
186300329                   Fixed Rate Balloon                                                                  2
186300330                   2/28 6 MO LIBOR IO                                                                  3
186300334                   Fixed Rate Balloon                                                                  2
186300335                   2/28 6 MO LIBOR IO                                                                  3
186300336                   2/28 6 MO LIBOR IO                                                                  3
186300343                   2/28 6 MO LIBOR                                                                     3
186300352                   2/28 6 MO LIBOR IO                                                                  3
186300354                   2/28 6 MO LIBOR IO                                                                  2
186300357                   2/28 6 MO LIBOR IO                                                                  3
186300361                   Fixed Rate Balloon                                                                  2
186300363                   2/28 6 MO LIBOR IO                                                                  3
186300369                   3/27 6 MO LIBOR IO                                                                  3
186300376                   2/28 6 MO LIBOR IO                                                                  3
186300377                   2/28 6 MO LIBOR IO                                                                  3
186300380                   2/28 6 MO LIBOR IO                                                                  3
186300388                   3/27 6 MO LIBOR IO                                                                  3
186300411                   2/28 6 MO LIBOR IO                                                                  3
186300420                   2/28 6 MO LIBOR IO                                                                  3
186300422                   2/28 6 MO LIBOR IO                                                                  3
186300424                   2/28 6 MO LIBOR IO                                                                  3
186300425                   3/27 6 MO LIBOR IO                                                                  3
186300431                   2/28 6 MO LIBOR IO                                                                  3
186300444                   3/27 6 MO LIBOR IO                                                                  3
186300455                   2/28 6 MO LIBOR IO                                                                  3
186300467                   2/28 6 MO LIBOR                                                                     3
186300469                   3/27 6 MO LIBOR                                                                     3
186300470                   2/28 6 MO LIBOR IO                                                                  3
186300475                   2/28 6 MO LIBOR IO                                                                  3
186300481                   2/28 6 MO LIBOR IO                                                                  3
186300495                   2/28 6 MO LIBOR IO                                                                  3
186300496                   2/28 6 MO LIBOR IO                                                                  3
186300508                   2/28 6 MO LIBOR IO                                                                  3
186300512                   2/28 6 MO LIBOR IO                                                                  3
186300534                   2/28 6 MO LIBOR IO                                                                  3
186300581                   Fixed Rate Balloon                                                                  3
186500001                   2/28 6 MO LIBOR                                                                     2
186500002                   3/27 6 MO LIBOR                                                                     2
186500003                   2/28 6 MO LIBOR                                                                     2
186500006                   3/27 6 MO LIBOR                                                                     2
186500007                   Fixed Rate                                                                          2
186500008                   3/27 6 MO LIBOR                                                                     2
186500010                   Fixed Rate                                                                          2
186500011                   Fixed Rate                                                                          2
186500012                   2/28 6 MO LIBOR                                                                     2
186500013                   2/28 6 MO LIBOR                                                                     2
186500015                   Fixed Rate                                                                          2
186500016                   Fixed Rate                                                                          2
186500020                   3/27 6 MO LIBOR                                                                     2
186500026                   Fixed Rate                                                                          2
186500027                   Fixed Rate                                                                          2
186500034                   Fixed Rate                                                                          2
186500038                   Fixed Rate                                                                          2
186500040                   2/28 6 MO LIBOR                                                                     2
186500043                   2/28 6 MO LIBOR                                                                     2
186500045                   Fixed Rate                                                                          2
186500046                   2/28 6 MO LIBOR                                                                     2
186500048                   Fixed Rate                                                                          2
186500049                   Fixed Rate                                                                          2
186500052                   2/28 6 MO LIBOR                                                                     2
186500054                   3/27 6 MO LIBOR                                                                     2
186500055                   Fixed Rate                                                                          2
186500058                   3/27 6 MO LIBOR                                                                     2
186500059                   Fixed Rate                                                                          2
186500060                   Fixed Rate                                                                          2
186500061                   3/27 6 MO LIBOR IO                                                                  2
186500064                   Fixed Rate Balloon                                                                  2
186500065                   Fixed Rate Balloon                                                                  3
186500066                   Fixed Rate                                                                          2
186500067                   2/28 6 MO LIBOR                                                                     2
186500068                   2/28 6 MO LIBOR                                                                     2
186500070                   Fixed Rate                                                                          2
186500074                   2/28 6 MO LIBOR                                                                     2
186500077                   Fixed Rate                                                                          2
186500078                   Fixed Rate Balloon                                                                  2
186500082                   2/28 6 MO LIBOR IO                                                                  2
186500085                   Fixed Rate Balloon                                                                  2
186500088                   2/28 6 MO LIBOR                                                                     2
186500094                   2/28 6 MO LIBOR                                                                     2
186500098                   3/27 6 MO LIBOR                                                                     3
186500099                   Fixed Rate                                                                          2
186500103                   Fixed Rate                                                                          3
186500107                   2/28 6 MO LIBOR IO                                                                  1
186500108                   2/28 6 MO LIBOR IO                                                                  1
186500111                   Fixed Rate                                                                          2
186500113                   3/27 6 MO LIBOR                                                                     3
186500115                   Fixed Rate                                                                          3
186500121                   3/27 6 MO LIBOR                                                                     3
186500123                   3/27 6 MO LIBOR                                                                     3
186500124                   2/28 6 MO LIBOR                                                                     1
186500127                   3/27 6 MO LIBOR                                                                     3
186500130                   2/28 6 MO LIBOR IO                                                                  1
186500138                   3/27 6 MO LIBOR IO                                                                  3
186500140                   3/27 6 MO LIBOR                                                                     3
186500158                   3/27 6 MO LIBOR                                                                     3
186500159                   2/28 6 MO LIBOR                                                                     3
186500162                   2/28 6 MO LIBOR IO                                                                  3
186500166                   3/27 6 MO LIBOR                                                                     3
186500167                   Fixed Rate                                                                          3
186500169                   2/28 6 MO LIBOR                                                                     3
186500176                   2/28 6 MO LIBOR                                                                     3
186500178                   Fixed Rate                                                                          3
186500180                   Fixed Rate                                                                          3
186500181                   2/28 6 MO LIBOR                                                                     3
186500182                   3/27 6 MO LIBOR                                                                     3
186500186                   Fixed Rate                                                                          3
186500193                   3/27 6 MO LIBOR                                                                     3
186500200                   Fixed Rate                                                                          3
186500204                   Fixed Rate                                                                          3
186500205                   2/28 6 MO LIBOR IO                                                                  3
186500220                   2/28 6 MO LIBOR IO                                                                  3
186500248                   2/28 6 MO LIBOR                                                                     3
186500251                   3/27 6 MO LIBOR                                                                     3
186500261                   Fixed Rate                                                                          3
240012605                   3/27 6 MO LIBOR                                                                     2
240012631                   3/27 6 MO LIBOR                                                                     2
240012633                   Fixed Rate                                                                          2
240012645                   Fixed Rate Balloon                                                                  2
240012648                   3/27 6 MO LIBOR                                                                     2
240012654                   3/27 6 MO LIBOR IO                                                                  2
240012676                   Fixed Rate                                                                          2
240012681                   Fixed Rate                                                                          2
240012708                   3/27 6 MO LIBOR                                                                     2
240012722                   3/27 6 MO LIBOR                                                                     2
240012751                   2/28 6 MO LIBOR IO                                                                  2
240012798                   3/27 6 MO LIBOR                                                                     1
240012800                   3/27 6 MO LIBOR IO                                                                  2
240012824                   2/28 6 MO LIBOR                                                                     3
240012825                   2/28 6 MO LIBOR                                                                     1
240012829                   Fixed Rate                                                                          3
240012830                   3/27 6 MO LIBOR                                                                     1
240012833                   3/27 6 MO LIBOR                                                                     3
240012836                   Fixed Rate                                                                          3
240012843                   2/28 6 MO LIBOR                                                                     3
240012846                   3/27 6 MO LIBOR                                                                     3
240012870                   3/27 6 MO LIBOR                                                                     3
240012888                   2/28 6 MO LIBOR                                                                     3
240012901                   Fixed Rate                                                                          3
240012916                   Fixed Rate                                                                          3
240101101                   Fixed Rate                                                                          3
240101228                   Fixed Rate                                                                          3
240215524                   2/28 6 MO LIBOR                                                                     1
240215552                   Fixed Rate                                                                          2
240215564                   Fixed Rate                                                                          2
240215630                   2/28 6 MO LIBOR                                                                     2
240215693                   2/28 6 MO LIBOR                                                                     1
240215694                   2/28 6 MO LIBOR                                                                     2
240215803                   Fixed Rate                                                                          2
240215836                   2/28 6 MO LIBOR                                                                     2
240215880                   Fixed Rate                                                                          2
240215900                   Fixed Rate Balloon                                                                  2
240215946                   2/28 6 MO LIBOR                                                                     1
240215967                   2/28 6 MO LIBOR                                                                     1
240216112                   2/28 6 MO LIBOR                                                                     2
240216123                   2/28 6 MO LIBOR                                                                     2
240216125                   3/27 6 MO LIBOR                                                                     2
240216204                   Fixed Rate                                                                          2
240216231                   Fixed Rate Balloon                                                                  2
240216245                   2/28 6 MO LIBOR                                                                     1
240216261                   2/28 6 MO LIBOR                                                                     3
240216355                   2/28 6 MO LIBOR                                                                     1
240216373                   2/28 6 MO LIBOR                                                                     1
240216379                   2/28 6 MO LIBOR                                                                     1
240216389                   Fixed Rate                                                                          2
240216400                   Fixed Rate                                                                          2
240216427                   Fixed Rate                                                                          1
240216442                   2/28 6 MO LIBOR                                                                     3
240216584                   Fixed Rate Balloon                                                                  3
240216723                   Fixed Rate                                                                          3
240216850                   Fixed Rate                                                                          3
240302248                   Fixed Rate                                                                          3
240312012                   Fixed Rate                                                                          2
240312469                   Fixed Rate                                                                          2
240312647                   2/28 6 MO LIBOR                                                                     1
240312699                   2/28 6 MO LIBOR                                                                     2
240312737                   Fixed Rate                                                                          1
240312746                   2/28 6 MO LIBOR                                                                     1
240312752                   2/28 6 MO LIBOR                                                                     1
240312832                   2/28 6 MO LIBOR                                                                     1
240312835                   2/28 6 MO LIBOR                                                                     3
240312849                   2/28 6 MO LIBOR                                                                     3
240312871                   2/28 6 MO LIBOR                                                                     3
240312900                   Fixed Rate                                                                          3
240312978                   2/28 6 MO LIBOR                                                                     3
240401810                   2/28 6 MO LIBOR                                                                     2
240401856                   2/28 6 MO LIBOR                                                                     1
240502263                   Fixed Rate Balloon                                                                  1
240502700                   6 MO LIBOR                                                                          1
240517953                   2/28 6 MO LIBOR                                                                     1
240518056                   2/28 6 MO LIBOR                                                                     1
240518216                   2/28 6 MO LIBOR                                                                     1
240518342                   2/28 6 MO LIBOR                                                                     1
240518434                   2/28 6 MO LIBOR                                                                     1
240518675                   2/28 6 MO LIBOR                                                                     1
240518700                   2/28 6 MO LIBOR                                                                     1
240518701                   Fixed Rate                                                                          2
240518756                   2/28 6 MO LIBOR                                                                     3
240518922                   2/28 6 MO LIBOR                                                                     3
240600614                   Fixed Rate                                                                          1
240602651                   Fixed Rate                                                                          2
240603118                   Fixed Rate                                                                          2
240608541                   2/28 6 MO LIBOR                                                                     3
240608830                   Fixed Rate                                                                          3
240624227                   2/28 6 MO LIBOR                                                                     2
240624525                   2/28 6 MO LIBOR                                                                     1
240624584                   2/28 6 MO LIBOR                                                                     3
240624613                   2/28 6 MO LIBOR                                                                     2
240624651                   2/28 6 MO LIBOR                                                                     3
240624759                   Fixed Rate                                                                          1
240624782                   3/27 6 MO LIBOR                                                                     3
240624899                   Fixed Rate                                                                          3
240625046                   2/28 6 MO LIBOR                                                                     3
240801026                   Fixed Rate Balloon                                                                  1
240806526                   Fixed Rate                                                                          3
240907275                   Fixed Rate                                                                          3
240907390                   Fixed Rate                                                                          3
240907433                   Fixed Rate                                                                          3
240920596                   Fixed Rate                                                                          2
241000872                   6 MO LIBOR                                                                          1
241005795                   Fixed Rate                                                                          3
241109315                   Fixed Rate Balloon                                                                  3
241109471                   Fixed Rate Balloon                                                                  3
241109554                   Fixed Rate                                                                          3
241109646                   Fixed Rate                                                                          3
241109909                   Fixed Rate                                                                          3
241123788                   2/28 6 MO LIBOR                                                                     3
241123813                   Fixed Rate                                                                          1
241123841                   6 MO LIBOR                                                                          1
241124142                   Fixed Rate                                                                          3
241206830                   2/28 6 MO LIBOR                                                                     3
241207648                   Fixed Rate                                                                          3
241207835                   Fixed Rate                                                                          3
241208040                   Fixed Rate                                                                          3
241218884                   Fixed Rate                                                                          2
241219393                   2/28 6 MO LIBOR                                                                     1
241219636                   2/28 6 MO LIBOR                                                                     2
241219683                   2/28 6 MO LIBOR                                                                     2
241219987                   2/28 6 MO LIBOR                                                                     1
241220009                   2/28 6 MO LIBOR                                                                     2
241220081                   Fixed Rate                                                                          2
241220109                   Fixed Rate                                                                          2
241220236                   2/28 6 MO LIBOR                                                                     2
241220257                   2/28 6 MO LIBOR                                                                     1
241220267                   Fixed Rate                                                                          2
241220275                   2/28 6 MO LIBOR                                                                     1
241220284                   2/28 6 MO LIBOR                                                                     1
241220308                   Fixed Rate                                                                          2
241220356                   2/28 6 MO LIBOR                                                                     1
241220385                   2/28 6 MO LIBOR                                                                     1
241220404                   2/28 6 MO LIBOR                                                                     3
241220425                   2/28 6 MO LIBOR                                                                     3
241220439                   2/28 6 MO LIBOR                                                                     3
241220449                   2/28 6 MO LIBOR                                                                     1
241220541                   Fixed Rate                                                                          3
241220560                   2/28 6 MO LIBOR                                                                     3
241220612                   2/28 6 MO LIBOR                                                                     3
241220669                   Fixed Rate                                                                          3
241220685                   2/28 6 MO LIBOR                                                                     3
241301555                   Fixed Rate                                                                          2
241306823                   Fixed Rate                                                                          3
241322445                   Fixed Rate                                                                          2
241322513                   2/28 6 MO LIBOR                                                                     1
241322714                   2/28 6 MO LIBOR                                                                     2
241322730                   2/28 6 MO LIBOR                                                                     2
241322753                   2/28 6 MO LIBOR                                                                     1
241322766                   2/28 6 MO LIBOR                                                                     2
241322834                   6 MO LIBOR                                                                          1
241322904                   2/28 6 MO LIBOR                                                                     2
241322905                   2/28 6 MO LIBOR                                                                     2
241322911                   2/28 6 MO LIBOR                                                                     2
241322913                   2/28 6 MO LIBOR                                                                     2
241323090                   6 MO LIBOR                                                                          1
241323115                   2/28 6 MO LIBOR                                                                     2
241323361                   2/28 6 MO LIBOR                                                                     2
241323367                   2/28 6 MO LIBOR                                                                     1
241323396                   2/28 6 MO LIBOR                                                                     1
241323541                   2/28 6 MO LIBOR                                                                     3
241323563                   2/28 6 MO LIBOR                                                                     1
241323665                   2/28 6 MO LIBOR                                                                     1
241323719                   2/28 6 MO LIBOR                                                                     3
241323722                   2/28 6 MO LIBOR                                                                     3
241323810                   2/28 6 MO LIBOR                                                                     3
241323828                   2/28 6 MO LIBOR                                                                     3
241323862                   2/28 6 MO LIBOR                                                                     3
241323879                   2/28 6 MO LIBOR                                                                     3
241323925                   2/28 6 MO LIBOR                                                                     3
241323927                   2/28 6 MO LIBOR                                                                     3
241323943                   2/28 6 MO LIBOR                                                                     3
241323968                   2/28 6 MO LIBOR                                                                     3
241324046                   2/28 6 MO LIBOR                                                                     3
241324277                   Fixed Rate Balloon                                                                  3
241400669                   2/28 6 MO LIBOR                                                                     1
241401285                   Fixed Rate                                                                          2
241418722                   3/27 6 MO LIBOR                                                                     2
241418767                   2/28 6 MO LIBOR                                                                     1
241418782                   2/28 6 MO LIBOR                                                                     1
241418942                   Fixed Rate                                                                          2
241419244                   2/28 6 MO LIBOR                                                                     3
241419303                   2/28 6 MO LIBOR                                                                     3
241419313                   2/28 6 MO LIBOR                                                                     3
241419397                   2/28 6 MO LIBOR                                                                     3
241503548                   6 MO LIBOR                                                                          3
241503568                   2/28 6 MO LIBOR                                                                     3
241503878                   6 MO LIBOR                                                                          3
241503890                   6 MO LIBOR                                                                          3
241503901                   Fixed Rate                                                                          3
241503977                   6 MO LIBOR                                                                          3
241504183                   6 MO LIBOR                                                                          3
241504254                   Fixed Rate                                                                          3
241515750                   2/28 6 MO LIBOR                                                                     1
241516289                   Fixed Rate Balloon                                                                  2
241516497                   Fixed Rate                                                                          2
241516551                   2/28 6 MO LIBOR                                                                     2
241516780                   Fixed Rate Balloon                                                                  2
241516808                   2/28 6 MO LIBOR                                                                     1
241516845                   Fixed Rate Balloon                                                                  2
241516859                   2/28 6 MO LIBOR                                                                     1
241516865                   Fixed Rate Balloon                                                                  2
241516890                   2/28 6 MO LIBOR                                                                     1
241516965                   2/28 6 MO LIBOR                                                                     1
241517034                   Fixed Rate Balloon                                                                  2
241517088                   2/28 6 MO LIBOR                                                                     1
241517092                   Fixed Rate                                                                          2
241517189                   2/28 6 MO LIBOR                                                                     1
241517254                   2/28 6 MO LIBOR                                                                     1
241517258                   Fixed Rate Balloon                                                                  2
241517277                   2/28 6 MO LIBOR                                                                     1
241517418                   Fixed Rate                                                                          1
241517431                   Fixed Rate                                                                          1
241517453                   Fixed Rate                                                                          1
241517485                   Fixed Rate                                                                          3
241517606                   2/28 6 MO LIBOR                                                                     3
241517693                   2/28 6 MO LIBOR                                                                     3
241517703                   2/28 6 MO LIBOR                                                                     3
241517742                   2/28 6 MO LIBOR                                                                     3
241517751                   2/28 6 MO LIBOR                                                                     3
241517871                   Fixed Rate                                                                          3
241600766                   Fixed Rate                                                                          2
241604507                   Fixed Rate                                                                          3
241604555                   Fixed Rate                                                                          3
241604775                   Fixed Rate                                                                          3
241700610                   6 MO LIBOR                                                                          1
241718294                   2/28 6 MO LIBOR                                                                     1
241718342                   2/28 6 MO LIBOR                                                                     2
241718406                   Fixed Rate                                                                          2
241718525                   2/28 6 MO LIBOR                                                                     2
241718550                   Fixed Rate                                                                          2
241718657                   Fixed Rate Balloon                                                                  2
241718858                   Fixed Rate                                                                          2
241718919                   Fixed Rate                                                                          2
241718931                   Fixed Rate Balloon                                                                  2
241718932                   3/27 6 MO LIBOR                                                                     1
241719035                   2/28 6 MO LIBOR                                                                     1
241719055                   2/28 6 MO LIBOR                                                                     1
241719070                   2/28 6 MO LIBOR                                                                     1
241719090                   2/28 6 MO LIBOR                                                                     1
241800716                   2/28 6 MO LIBOR                                                                     1
241800974                   2/28 6 MO LIBOR                                                                     1
241807413                   Fixed Rate Balloon                                                                  3
241902082                   Fixed Rate                                                                          2
241902141                   Fixed Rate                                                                          2
241909160                   Fixed Rate                                                                          3
241919863                   2/28 6 MO LIBOR                                                                     2
241919974                   2/28 6 MO LIBOR                                                                     1
241920065                   Fixed Rate                                                                          2
241920097                   Fixed Rate                                                                          2
241920209                   2/28 6 MO LIBOR                                                                     2
241920242                   Fixed Rate                                                                          1
241920285                   2/28 6 MO LIBOR                                                                     1
241920332                   Fixed Rate                                                                          1
241920336                   2/28 6 MO LIBOR                                                                     1
241920353                   2/28 6 MO LIBOR                                                                     1
241920368                   Fixed Rate                                                                          1
241920409                   Fixed Rate                                                                          1
241920414                   Fixed Rate                                                                          1
241920416                   2/28 6 MO LIBOR                                                                     1
241920452                   2/28 6 MO LIBOR                                                                     3
241920483                   2/28 6 MO LIBOR                                                                     1
241920538                   2/28 6 MO LIBOR                                                                     3
241920586                   2/28 6 MO LIBOR                                                                     3
241920700                   Fixed Rate                                                                          3
241920804                   Fixed Rate                                                                          3
242005754                   Fixed Rate                                                                          3
242100696                   2/28 6 MO LIBOR                                                                     1
242100970                   6 MO LIBOR                                                                          1
242105301                   6 MO LIBOR                                                                          3
242105337                   2/28 6 MO LIBOR                                                                     3
242105431                   Fixed Rate Balloon                                                                  3
242105444                   2/28 6 MO LIBOR                                                                     3
242105466                   6 MO LIBOR                                                                          3
242105598                   6 MO LIBOR                                                                          3
242117164                   2/28 6 MO LIBOR                                                                     3
242118369                   Fixed Rate                                                                          2
242118396                   2/28 6 MO LIBOR                                                                     2
242118431                   2/28 6 MO LIBOR                                                                     2
242118438                   2/28 6 MO LIBOR                                                                     2
242118502                   2/28 6 MO LIBOR                                                                     2
242118692                   2/28 6 MO LIBOR                                                                     1
242118843                   Fixed Rate                                                                          2
242118952                   2/28 6 MO LIBOR                                                                     2
242119058                   2/28 6 MO LIBOR                                                                     3
242119105                   2/28 6 MO LIBOR                                                                     1
242119140                   Fixed Rate                                                                          2
242119162                   2/28 6 MO LIBOR                                                                     2
242119195                   2/28 6 MO LIBOR                                                                     1
242119272                   2/28 6 MO LIBOR                                                                     1
242119301                   2/28 6 MO LIBOR                                                                     1
242119317                   2/28 6 MO LIBOR                                                                     1
242119321                   2/28 6 MO LIBOR                                                                     3
242119322                   3/27 6 MO LIBOR                                                                     1
242119336                   2/28 6 MO LIBOR                                                                     1
242119346                   Fixed Rate                                                                          1
242119440                   2/28 6 MO LIBOR                                                                     3
242119475                   2/28 6 MO LIBOR                                                                     3
242119523                   2/28 6 MO LIBOR                                                                     3
242119585                   2/28 6 MO LIBOR                                                                     3
242217865                   Fixed Rate Balloon                                                                  2
242217930                   Fixed Rate Balloon                                                                  2
242217971                   2/28 6 MO LIBOR                                                                     2
242218259                   Fixed Rate Balloon                                                                  2
242218332                   3/27 6 MO LIBOR                                                                     1
242218339                   Fixed Rate Balloon                                                                  2
242218355                   Fixed Rate Balloon                                                                  2
242218447                   2/28 6 MO LIBOR                                                                     3
242218754                   3/27 6 MO LIBOR                                                                     3
242218779                   3/27 6 MO LIBOR                                                                     3
242218825                   Fixed Rate                                                                          3
242307675                   Fixed Rate                                                                          3
242307767                   Fixed Rate                                                                          3
242319119                   2/28 6 MO LIBOR                                                                     1
242319295                   2/28 6 MO LIBOR                                                                     2
242319639                   2/28 6 MO LIBOR                                                                     2
242319647                   2/28 6 MO LIBOR                                                                     2
242319834                   2/28 6 MO LIBOR                                                                     1
242319845                   2/28 6 MO LIBOR                                                                     1
242319859                   2/28 6 MO LIBOR                                                                     1
242319879                   2/28 6 MO LIBOR                                                                     1
242319895                   2/28 6 MO LIBOR                                                                     1
242319915                   Fixed Rate                                                                          1
242319945                   2/28 6 MO LIBOR                                                                     1
242319949                   2/28 6 MO LIBOR                                                                     1
242319977                   Fixed Rate                                                                          3
242320048                   2/28 6 MO LIBOR                                                                     1
242320057                   2/28 6 MO LIBOR                                                                     3
242320068                   2/28 6 MO LIBOR                                                                     3
242320133                   2/28 6 MO LIBOR                                                                     3
242320254                   2/28 6 MO LIBOR                                                                     3
242320330                   2/28 6 MO LIBOR                                                                     3
242320432                   2/28 6 MO LIBOR                                                                     3
242400789                   Fixed Rate                                                                          2
242403901                   Fixed Rate                                                                          3
242413438                   Fixed Rate                                                                          2
242414705                   3/27 6 MO LIBOR                                                                     2
242414953                   3/27 6 MO LIBOR                                                                     1
242414972                   3/27 6 MO LIBOR                                                                     2
242414997                   3/27 6 MO LIBOR                                                                     1
242415000                   Fixed Rate                                                                          2
242415041                   3/27 6 MO LIBOR                                                                     1
242415055                   Fixed Rate                                                                          2
242415298                   Fixed Rate                                                                          1
242415368                   3/27 6 MO LIBOR                                                                     1
242415446                   Fixed Rate                                                                          1
242415447                   3/27 6 MO LIBOR                                                                     1
242415452                   3/27 6 MO LIBOR                                                                     1
242415471                   3/27 6 MO LIBOR                                                                     1
242415568                   Fixed Rate                                                                          3
242415576                   3/27 6 MO LIBOR                                                                     1
242415596                   3/27 6 MO LIBOR                                                                     1
242415744                   3/27 6 MO LIBOR                                                                     3
242415825                   3/27 6 MO LIBOR                                                                     3
242416065                   2/28 6 MO LIBOR                                                                     3
242603584                   Fixed Rate                                                                          3
242620256                   2/28 6 MO LIBOR                                                                     2
242620274                   2/28 6 MO LIBOR                                                                     2
242620383                   2/28 6 MO LIBOR                                                                     1
242620533                   2/28 6 MO LIBOR                                                                     1
242620571                   2/28 6 MO LIBOR                                                                     1
242620606                   2/28 6 MO LIBOR                                                                     1
242620625                   2/28 6 MO LIBOR                                                                     1
242620806                   2/28 6 MO LIBOR                                                                     3
242620817                   2/28 6 MO LIBOR                                                                     3
242700442                   Fixed Rate                                                                          3
242711623                   2/28 6 MO LIBOR                                                                     1
242711819                   2/28 6 MO LIBOR                                                                     1
242711866                   2/28 6 MO LIBOR                                                                     2
242711976                   Fixed Rate                                                                          1
242711991                   Fixed Rate                                                                          1
242712086                   3/27 6 MO LIBOR                                                                     1
242712127                   2/28 6 MO LIBOR                                                                     1
242712134                   2/28 6 MO LIBOR                                                                     3
242712158                   Fixed Rate                                                                          1
242712418                   2/28 6 MO LIBOR                                                                     3
242800346                   Fixed Rate                                                                          2
242819277                   Fixed Rate                                                                          2
242819587                   2/28 6 MO LIBOR                                                                     1
242819631                   Fixed Rate Balloon                                                                  2
242819646                   2/28 6 MO LIBOR                                                                     2
242819670                   2/28 6 MO LIBOR                                                                     2
242819758                   2/28 6 MO LIBOR                                                                     1
242819763                   Fixed Rate Balloon                                                                  2
242819774                   2/28 6 MO LIBOR                                                                     2
242819802                   2/28 6 MO LIBOR                                                                     2
242819813                   2/28 6 MO LIBOR                                                                     2
242819817                   3/27 6 MO LIBOR                                                                     2
242819831                   Fixed Rate                                                                          2
242819832                   2/28 6 MO LIBOR                                                                     2
242819868                   3/27 6 MO LIBOR                                                                     2
242819999                   2/28 6 MO LIBOR                                                                     1
242820085                   3/27 6 MO LIBOR                                                                     1
242820155                   Fixed Rate Balloon                                                                  2
242820161                   Fixed Rate Balloon                                                                  2
242820167                   2/28 6 MO LIBOR                                                                     1
242820170                   2/28 6 MO LIBOR                                                                     1
242820191                   2/28 6 MO LIBOR                                                                     3
242820200                   2/28 6 MO LIBOR                                                                     3
242820219                   2/28 6 MO LIBOR                                                                     1
242820255                   2/28 6 MO LIBOR                                                                     1
242820361                   2/28 6 MO LIBOR                                                                     3
242820411                   2/28 6 MO LIBOR                                                                     3
242820423                   2/28 6 MO LIBOR                                                                     3
242820480                   Fixed Rate                                                                          3
242820498                   2/28 6 MO LIBOR                                                                     3
242820513                   Fixed Rate                                                                          3
242820516                   Fixed Rate                                                                          3
242900629                   Fixed Rate                                                                          2
242900720                   Fixed Rate                                                                          1
242900722                   Fixed Rate                                                                          1
242907747                   Fixed Rate                                                                          3
242907837                   Fixed Rate                                                                          3
242907846                   Fixed Rate                                                                          3
242907919                   Fixed Rate                                                                          3
242907936                   Fixed Rate                                                                          3
242907945                   Fixed Rate                                                                          3
242907948                   Fixed Rate                                                                          3
242908182                   Fixed Rate                                                                          3
242922647                   2/28 6 MO LIBOR                                                                     1
242922897                   2/28 6 MO LIBOR                                                                     1
242923205                   2/28 6 MO LIBOR                                                                     2
243103471                   Fixed Rate                                                                          3
243113201                   3/27 6 MO LIBOR                                                                     2
243113727                   3/27 6 MO LIBOR                                                                     1
243114005                   2/28 6 MO LIBOR                                                                     2
243114037                   3/27 6 MO LIBOR                                                                     1
243114355                   Fixed Rate                                                                          2
243114358                   Fixed Rate                                                                          2
243114435                   2/28 6 MO LIBOR                                                                     1
243114546                   3/27 6 MO LIBOR                                                                     2
243114564                   3/27 6 MO LIBOR                                                                     3
243114620                   2/28 6 MO LIBOR                                                                     1
243114685                   Fixed Rate                                                                          2
243114706                   3/27 6 MO LIBOR                                                                     2
243114732                   3/27 6 MO LIBOR                                                                     1
243114743                   Fixed Rate                                                                          1
243114788                   2/28 6 MO LIBOR                                                                     1
243114823                   2/28 6 MO LIBOR                                                                     1
243114930                   2/28 6 MO LIBOR                                                                     3
243114940                   3/27 6 MO LIBOR                                                                     3
243114988                   3/27 6 MO LIBOR                                                                     3
243214306                   2/28 6 MO LIBOR                                                                     2
243214384                   2/28 6 MO LIBOR                                                                     2
243214464                   2/28 6 MO LIBOR                                                                     2
243214465                   Fixed Rate                                                                          2
243214692                   Fixed Rate                                                                          2
243214703                   2/28 6 MO LIBOR                                                                     1
243214722                   Fixed Rate Balloon                                                                  2
243214751                   2/28 6 MO LIBOR                                                                     2
243214795                   Fixed Rate                                                                          2
243214871                   2/28 6 MO LIBOR                                                                     2
243214891                   2/28 6 MO LIBOR                                                                     1
243214947                   2/28 6 MO LIBOR                                                                     1
243214957                   2/28 6 MO LIBOR                                                                     1
243214999                   2/28 6 MO LIBOR                                                                     3
243215067                   2/28 6 MO LIBOR                                                                     1
243303923                   Fixed Rate                                                                          3
243319598                   2/28 6 MO LIBOR                                                                     1
243319625                   2/28 6 MO LIBOR                                                                     1
243319695                   2/28 6 MO LIBOR                                                                     1
243319704                   2/28 6 MO LIBOR                                                                     3
243319746                   2/28 6 MO LIBOR                                                                     1
243319893                   2/28 6 MO LIBOR                                                                     3
243319949                   2/28 6 MO LIBOR                                                                     3
243416625                   2/28 6 MO LIBOR                                                                     1
243416682                   2/28 6 MO LIBOR                                                                     1
243416737                   2/28 6 MO LIBOR                                                                     1
243416794                   2/28 6 MO LIBOR                                                                     2
243416867                   2/28 6 MO LIBOR                                                                     1
243416944                   2/28 6 MO LIBOR                                                                     1
243417012                   2/28 6 MO LIBOR                                                                     1
243417021                   Fixed Rate                                                                          2
243417065                   2/28 6 MO LIBOR                                                                     2
243417083                   2/28 6 MO LIBOR                                                                     1
243417106                   2/28 6 MO LIBOR                                                                     3
243417127                   2/28 6 MO LIBOR                                                                     1
243417133                   2/28 6 MO LIBOR                                                                     2
243417159                   2/28 6 MO LIBOR                                                                     1
243417230                   2/28 6 MO LIBOR                                                                     3
243417252                   2/28 6 MO LIBOR                                                                     1
243417259                   2/28 6 MO LIBOR                                                                     1
243503955                   2/28 6 MO LIBOR                                                                     3
243503962                   Fixed Rate                                                                          3
243504008                   2/28 6 MO LIBOR                                                                     3
243504167                   Fixed Rate                                                                          3
243504322                   2/28 6 MO LIBOR                                                                     3
243504388                   Fixed Rate                                                                          3
243521285                   2/28 6 MO LIBOR                                                                     2
243521479                   2/28 6 MO LIBOR                                                                     2
243521543                   2/28 6 MO LIBOR                                                                     1
243521565                   2/28 6 MO LIBOR                                                                     1
243521645                   Fixed Rate                                                                          1
243521726                   2/28 6 MO LIBOR                                                                     2
243521759                   Fixed Rate                                                                          1
243521796                   2/28 6 MO LIBOR                                                                     1
243521823                   2/28 6 MO LIBOR                                                                     1
243521835                   2/28 6 MO LIBOR                                                                     1
243521837                   Fixed Rate                                                                          1
243521874                   Fixed Rate                                                                          1
243521876                   Fixed Rate                                                                          1
243521909                   2/28 6 MO LIBOR                                                                     1
243521931                   2/28 6 MO LIBOR                                                                     3
243521963                   Fixed Rate                                                                          1
243521972                   2/28 6 MO LIBOR                                                                     3
243521981                   2/28 6 MO LIBOR                                                                     3
243522015                   2/28 6 MO LIBOR                                                                     3
243522052                   2/28 6 MO LIBOR                                                                     3
243522059                   2/28 6 MO LIBOR                                                                     3
243522078                   2/28 6 MO LIBOR                                                                     3
243522098                   2/28 6 MO LIBOR                                                                     3
243522101                   2/28 6 MO LIBOR                                                                     3
243522117                   2/28 6 MO LIBOR                                                                     3
243522172                   2/28 6 MO LIBOR                                                                     3
243522355                   Fixed Rate                                                                          3
243603756                   Fixed Rate                                                                          3
243603797                   Fixed Rate                                                                          3
243603923                   Fixed Rate                                                                          3
243604063                   Fixed Rate                                                                          3
243604106                   Fixed Rate                                                                          3
243604237                   Fixed Rate                                                                          3
243604370                   Fixed Rate                                                                          3
243604372                   Fixed Rate                                                                          3
243604407                   Fixed Rate                                                                          3
243604489                   Fixed Rate                                                                          3
243604512                   Fixed Rate                                                                          3
243604558                   Fixed Rate                                                                          3
243604589                   Fixed Rate                                                                          3
243604658                   Fixed Rate                                                                          3
243615927                   Fixed Rate                                                                          2
243616087                   2/28 6 MO LIBOR                                                                     1
243616098                   2/28 6 MO LIBOR                                                                     1
243616162                   2/28 6 MO LIBOR                                                                     1
243616385                   2/28 6 MO LIBOR                                                                     2
243616408                   3/27 6 MO LIBOR                                                                     1
243616463                   2/28 6 MO LIBOR                                                                     1
243616567                   2/28 6 MO LIBOR                                                                     3
243616594                   2/28 6 MO LIBOR                                                                     3
243712933                   3/27 6 MO LIBOR                                                                     2
243713088                   Fixed Rate                                                                          2
243713108                   2/28 6 MO LIBOR                                                                     2
243713166                   Fixed Rate                                                                          2
243713265                   Fixed Rate                                                                          2
243713328                   Fixed Rate Balloon                                                                  2
243713473                   2/28 6 MO LIBOR                                                                     2
243713540                   2/28 6 MO LIBOR                                                                     3
243713557                   2/28 6 MO LIBOR                                                                     1
243713627                   3/27 6 MO LIBOR                                                                     1
243713655                   2/28 6 MO LIBOR                                                                     1
243713738                   2/28 6 MO LIBOR                                                                     3
243713739                   Fixed Rate                                                                          3
243713745                   2/28 6 MO LIBOR                                                                     3
243713747                   Fixed Rate                                                                          1
243713761                   Fixed Rate                                                                          1
243713762                   2/28 6 MO LIBOR                                                                     3
243713853                   2/28 6 MO LIBOR                                                                     3
243713867                   2/28 6 MO LIBOR                                                                     3
243713891                   2/28 6 MO LIBOR                                                                     3
243713909                   Fixed Rate                                                                          3
243714044                   2/28 6 MO LIBOR                                                                     3
243817994                   2/28 6 MO LIBOR                                                                     1
243818002                   Fixed Rate                                                                          2
243818008                   2/28 6 MO LIBOR                                                                     2
243818113                   Fixed Rate                                                                          2
243818207                   2/28 6 MO LIBOR                                                                     1
243818271                   Fixed Rate                                                                          2
243818300                   2/28 6 MO LIBOR                                                                     1
243818362                   Fixed Rate                                                                          1
243818385                   2/28 6 MO LIBOR                                                                     1
243818390                   2/28 6 MO LIBOR                                                                     1
243818400                   Fixed Rate                                                                          1
243818520                   2/28 6 MO LIBOR                                                                     3
243818711                   Fixed Rate                                                                          3
243901657                   Fixed Rate                                                                          3
244102814                   Fixed Rate Balloon                                                                  3
244102836                   Fixed Rate                                                                          3
244102897                   2/28 6 MO LIBOR                                                                     3
244102921                   2/28 6 MO LIBOR                                                                     3
244102963                   Fixed Rate Balloon                                                                  3
244103224                   Fixed Rate Balloon                                                                  3
244103305                   Fixed Rate Balloon                                                                  3
244103597                   Fixed Rate                                                                          3
244122852                   2/28 6 MO LIBOR                                                                     1
244123428                   2/28 6 MO LIBOR                                                                     1
244123472                   2/28 6 MO LIBOR                                                                     1
244123539                   2/28 6 MO LIBOR                                                                     2
244123750                   2/28 6 MO LIBOR                                                                     1
244123752                   Fixed Rate                                                                          2
244123824                   2/28 6 MO LIBOR                                                                     2
244123832                   2/28 6 MO LIBOR                                                                     2
244123989                   Fixed Rate                                                                          1
244124008                   2/28 6 MO LIBOR                                                                     1
244124123                   2/28 6 MO LIBOR                                                                     1
244124125                   2/28 6 MO LIBOR                                                                     1
244124130                   2/28 6 MO LIBOR                                                                     1
244124149                   2/28 6 MO LIBOR                                                                     1
244124156                   2/28 6 MO LIBOR                                                                     1
244124169                   Fixed Rate                                                                          1
244124194                   2/28 6 MO LIBOR                                                                     1
244124195                   2/28 6 MO LIBOR                                                                     3
244124229                   2/28 6 MO LIBOR                                                                     3
244124675                   2/28 6 MO LIBOR                                                                     3
244200571                   2/28 6 MO LIBOR                                                                     3
244211077                   3/27 6 MO LIBOR                                                                     1
244211405                   2/28 6 MO LIBOR                                                                     2
244211445                   2/28 6 MO LIBOR                                                                     2
244211481                   Fixed Rate                                                                          2
244211551                   Fixed Rate                                                                          2
244211574                   2/28 6 MO LIBOR                                                                     2
244211733                   2/28 6 MO LIBOR                                                                     1
244211741                   2/28 6 MO LIBOR                                                                     2
244211756                   2/28 6 MO LIBOR                                                                     1
244211865                   2/28 6 MO LIBOR                                                                     3
244211877                   Fixed Rate                                                                          2
244211930                   2/28 6 MO LIBOR                                                                     1
244211986                   2/28 6 MO LIBOR                                                                     3
244211997                   Fixed Rate                                                                          1
244212041                   2/28 6 MO LIBOR                                                                     1
244212184                   2/28 6 MO LIBOR                                                                     3
244402463                   Fixed Rate                                                                          3
244402480                   Fixed Rate                                                                          3
244412691                   2/28 6 MO LIBOR                                                                     1
244412852                   Fixed Rate                                                                          2
244412910                   2/28 6 MO LIBOR                                                                     2
244413008                   2/28 6 MO LIBOR                                                                     2
244413016                   Fixed Rate                                                                          1
244413126                   Fixed Rate                                                                          1
244413127                   2/28 6 MO LIBOR                                                                     1
244413174                   2/28 6 MO LIBOR                                                                     3
244413197                   2/28 6 MO LIBOR                                                                     3
244413235                   2/28 6 MO LIBOR                                                                     3
244502599                   Fixed Rate                                                                          3
244502600                   Fixed Rate                                                                          3
244502643                   Fixed Rate                                                                          3
244502759                   Fixed Rate                                                                          3
244502808                   Fixed Rate                                                                          3
244502849                   Fixed Rate                                                                          3
244503028                   Fixed Rate                                                                          3
244503040                   Fixed Rate                                                                          3
244503108                   Fixed Rate                                                                          3
244519218                   2/28 6 MO LIBOR                                                                     2
244519260                   2/28 6 MO LIBOR                                                                     2
244519290                   2/28 6 MO LIBOR                                                                     1
244519365                   Fixed Rate                                                                          2
244519534                   2/28 6 MO LIBOR                                                                     2
244519577                   2/28 6 MO LIBOR                                                                     1
244519586                   2/28 6 MO LIBOR                                                                     1
244519636                   2/28 6 MO LIBOR                                                                     2
244519647                   2/28 6 MO LIBOR                                                                     1
244519666                   2/28 6 MO LIBOR                                                                     1
244519693                   2/28 6 MO LIBOR                                                                     2
244519705                   2/28 6 MO LIBOR                                                                     1
244519723                   2/28 6 MO LIBOR                                                                     1
244519746                   2/28 6 MO LIBOR                                                                     2
244519809                   2/28 6 MO LIBOR                                                                     1
244519855                   Fixed Rate                                                                          3
244519856                   2/28 6 MO LIBOR                                                                     1
244519938                   2/28 6 MO LIBOR                                                                     3
244519971                   2/28 6 MO LIBOR                                                                     3
244601454                   Fixed Rate                                                                          3
244601535                   Fixed Rate                                                                          3
244601707                   2/28 6 MO LIBOR                                                                     3
244815510                   2/28 6 MO LIBOR                                                                     2
244815782                   2/28 6 MO LIBOR                                                                     1
244816010                   Fixed Rate                                                                          3
244900460                   Fixed Rate                                                                          3
244900463                   Fixed Rate                                                                          3
245002278                   Fixed Rate                                                                          3
245102695                   2/28 6 MO LIBOR                                                                     3
245107772                   Fixed Rate                                                                          2
245107802                   2/28 6 MO LIBOR                                                                     2
245107826                   2/28 6 MO LIBOR                                                                     2
245107862                   3/27 6 MO LIBOR                                                                     2
245107897                   3/27 6 MO LIBOR                                                                     2
245107912                   Fixed Rate                                                                          2
245107932                   2/28 6 MO LIBOR                                                                     1
245107934                   3/27 6 MO LIBOR                                                                     1
245107941                   2/28 6 MO LIBOR                                                                     2
245107942                   3/27 6 MO LIBOR                                                                     1
245107968                   Fixed Rate                                                                          3
245204294                   2/28 6 MO LIBOR                                                                     3
245211318                   2/28 6 MO LIBOR                                                                     2
245212262                   2/28 6 MO LIBOR                                                                     2
245212306                   2/28 6 MO LIBOR                                                                     2
245212323                   2/28 6 MO LIBOR                                                                     2
245212334                   2/28 6 MO LIBOR                                                                     2
245212359                   2/28 6 MO LIBOR IO                                                                  2
245212362                   2/28 6 MO LIBOR                                                                     2
245212380                   2/28 6 MO LIBOR                                                                     2
245212390                   3/27 6 MO LIBOR                                                                     2
245212393                   2/28 6 MO LIBOR                                                                     2
245212400                   2/28 6 MO LIBOR                                                                     2
245212402                   2/28 6 MO LIBOR                                                                     2
245212409                   2/28 6 MO LIBOR                                                                     2
245212433                   2/28 6 MO LIBOR                                                                     2
245212486                   2/28 6 MO LIBOR                                                                     1
245212491                   2/28 6 MO LIBOR                                                                     1
245212502                   2/28 6 MO LIBOR                                                                     1
245212515                   2/28 6 MO LIBOR                                                                     1
245212568                   2/28 6 MO LIBOR                                                                     3
245212585                   2/28 6 MO LIBOR                                                                     3
245212702                   2/28 6 MO LIBOR                                                                     3
245305109                   2/28 6 MO LIBOR                                                                     2
245305183                   2/28 6 MO LIBOR                                                                     2
245305204                   2/28 6 MO LIBOR                                                                     2
245305210                   2/28 6 MO LIBOR                                                                     2
245305236                   2/28 6 MO LIBOR                                                                     1
245305258                   2/28 6 MO LIBOR                                                                     3
245305264                   2/28 6 MO LIBOR                                                                     3
245305287                   2/28 6 MO LIBOR                                                                     3
245305325                   2/28 6 MO LIBOR                                                                     3
245305330                   Fixed Rate Balloon                                                                  3
245305334                   2/28 6 MO LIBOR                                                                     3
245305337                   Fixed Rate                                                                          3
245409060                   3/27 6 MO LIBOR                                                                     2
245409066                   Fixed Rate Balloon                                                                  2
245409116                   2/28 6 MO LIBOR                                                                     2
245409133                   3/27 6 MO LIBOR IO                                                                  2
245409147                   3/27 6 MO LIBOR                                                                     2
245409157                   2/28 6 MO LIBOR IO                                                                  2
245409162                   3/27 6 MO LIBOR                                                                     2
245409195                   3/27 6 MO LIBOR IO                                                                  2
245409207                   3/27 6 MO LIBOR                                                                     2
245409220                   3/27 6 MO LIBOR                                                                     1
245409229                   2/28 6 MO LIBOR                                                                     3
245409230                   3/27 6 MO LIBOR                                                                     2
245409274                   3/27 6 MO LIBOR                                                                     3
245409303                   2/28 6 MO LIBOR IO                                                                  3
245409309                   3/27 6 MO LIBOR                                                                     3
245409311                   3/27 6 MO LIBOR IO                                                                  3
245409323                   2/28 6 MO LIBOR IO                                                                  3
245409331                   Fixed Rate                                                                          3
245409339                   2/28 6 MO LIBOR IO                                                                  3
245409347                   2/28 6 MO LIBOR                                                                     3
245409359                   Fixed Rate                                                                          3
245409377                   3/27 6 MO LIBOR IO                                                                  3
245409382                   3/27 6 MO LIBOR IO                                                                  3
245409401                   Fixed Rate Balloon                                                                  3
245409403                   Fixed Rate Balloon                                                                  3
245409412                   Fixed Rate Balloon                                                                  3
245605782                   Fixed Rate                                                                          2
245606032                   2/28 6 MO LIBOR                                                                     3
245606090                   2/28 6 MO LIBOR                                                                     2
245606127                   2/28 6 MO LIBOR                                                                     3
245606148                   2/28 6 MO LIBOR                                                                     2
245606152                   2/28 6 MO LIBOR IO                                                                  2
245606166                   2/28 6 MO LIBOR                                                                     1
245606184                   2/28 6 MO LIBOR                                                                     1
245606190                   2/28 6 MO LIBOR                                                                     2
245606193                   2/28 6 MO LIBOR                                                                     2
245606208                   2/28 6 MO LIBOR                                                                     2
245606217                   2/28 6 MO LIBOR                                                                     2
245606232                   2/28 6 MO LIBOR                                                                     2
245606243                   2/28 6 MO LIBOR                                                                     2
245606244                   Fixed Rate                                                                          2
245606264                   2/28 6 MO LIBOR                                                                     2
245606277                   Fixed Rate                                                                          3
245606301                   2/28 6 MO LIBOR                                                                     1
245606316                   2/28 6 MO LIBOR                                                                     3
245606323                   2/28 6 MO LIBOR                                                                     3
245606324                   2/28 6 MO LIBOR                                                                     3
245606371                   2/28 6 MO LIBOR                                                                     3
245707959                   3/27 6 MO LIBOR                                                                     2
245707972                   Fixed Rate                                                                          2
245707991                   Fixed Rate                                                                          2
245707993                   2/28 6 MO LIBOR                                                                     2
245708000                   2/28 6 MO LIBOR IO                                                                  2
245708006                   3/27 6 MO LIBOR                                                                     2
245708015                   3/27 6 MO LIBOR IO                                                                  2
245708032                   3/27 6 MO LIBOR                                                                     2
245708034                   3/27 6 MO LIBOR                                                                     2
245708041                   3/27 6 MO LIBOR                                                                     2
245708044                   2/28 6 MO LIBOR IO                                                                  2
245708048                   3/27 6 MO LIBOR                                                                     2
245708052                   3/27 6 MO LIBOR                                                                     2
245708059                   2/28 6 MO LIBOR                                                                     2
245708062                   3/27 6 MO LIBOR                                                                     2
245708064                   3/27 6 MO LIBOR                                                                     2
245708065                   2/28 6 MO LIBOR IO                                                                  2
245708078                   Fixed Rate                                                                          2
245708080                   3/27 6 MO LIBOR                                                                     2
245708083                   3/27 6 MO LIBOR                                                                     2
245708085                   3/27 6 MO LIBOR IO                                                                  2
245708087                   3/27 6 MO LIBOR IO                                                                  2
245708088                   2/28 6 MO LIBOR                                                                     2
245708102                   3/27 6 MO LIBOR IO                                                                  2
245708105                   2/28 6 MO LIBOR                                                                     2
245708116                   3/27 6 MO LIBOR                                                                     2
245708123                   2/28 6 MO LIBOR                                                                     2
245708126                   2/28 6 MO LIBOR                                                                     2
245708133                   2/28 6 MO LIBOR IO                                                                  2
245708148                   3/27 6 MO LIBOR                                                                     2
245708156                   2/28 6 MO LIBOR                                                                     2
245708158                   2/28 6 MO LIBOR                                                                     2
245708159                   3/27 6 MO LIBOR                                                                     2
245708164                   3/27 6 MO LIBOR                                                                     2
245708165                   3/27 6 MO LIBOR                                                                     2
245708171                   3/27 6 MO LIBOR                                                                     2
245708174                   Fixed Rate                                                                          2
245708190                   2/28 6 MO LIBOR IO                                                                  3
245708197                   Fixed Rate                                                                          2
245708241                   Fixed Rate                                                                          3
245708243                   3/27 6 MO LIBOR                                                                     3
245708256                   3/27 6 MO LIBOR                                                                     3
245708260                   3/27 6 MO LIBOR                                                                     3
245708262                   3/27 6 MO LIBOR                                                                     3
245708298                   Fixed Rate                                                                          3
245708307                   3/27 6 MO LIBOR                                                                     3
245708341                   3/27 6 MO LIBOR IO                                                                  3
245708353                   3/27 6 MO LIBOR                                                                     3
245708356                   2/28 6 MO LIBOR IO                                                                  3
245708361                   2/28 6 MO LIBOR                                                                     3
245708379                   3/27 6 MO LIBOR                                                                     3
245708411                   Fixed Rate Balloon                                                                  3
246002252                   Fixed Rate                                                                          3
246002309                   2/28 6 MO LIBOR                                                                     3
246002321                   2/28 6 MO LIBOR                                                                     3
246009725                   2/28 6 MO LIBOR                                                                     2
246009733                   2/28 6 MO LIBOR IO                                                                  2
246009753                   2/28 6 MO LIBOR IO                                                                  2
246009776                   2/28 6 MO LIBOR                                                                     2
246009797                   2/28 6 MO LIBOR                                                                     2
246009802                   2/28 6 MO LIBOR                                                                     2
246009825                   2/28 6 MO LIBOR                                                                     2
246009833                   6 MO LIBOR                                                                          2
246009837                   2/28 6 MO LIBOR IO                                                                  2
246009840                   2/28 6 MO LIBOR                                                                     2
246009853                   2/28 6 MO LIBOR                                                                     2
246009855                   6 MO LIBOR                                                                          2
246009859                   Fixed Rate IO                                                                       2
246009899                   2/28 6 MO LIBOR IO                                                                  2
246009901                   2/28 6 MO LIBOR                                                                     2
246009902                   2/28 6 MO LIBOR IO                                                                  2
246009913                   2/28 6 MO LIBOR IO                                                                  2
246009923                   2/28 6 MO LIBOR IO                                                                  2
246009928                   2/28 6 MO LIBOR IO                                                                  2
246009935                   3/27 6 MO LIBOR                                                                     2
246009943                   2/28 6 MO LIBOR                                                                     2
246009944                   3/27 6 MO LIBOR                                                                     2
246009990                   2/28 6 MO LIBOR IO                                                                  2
246010003                   2/28 6 MO LIBOR                                                                     3
246010011                   3/27 6 MO LIBOR IO                                                                  1
246010072                   2/28 6 MO LIBOR IO                                                                  3
246010113                   2/28 6 MO LIBOR                                                                     3
246010128                   2/28 6 MO LIBOR                                                                     3
246010136                   2/28 6 MO LIBOR IO                                                                  3
246010140                   2/28 6 MO LIBOR IO                                                                  3
246010154                   3/27 6 MO LIBOR IO                                                                  3
246010157                   Fixed Rate Balloon                                                                  3
246010165                   2/28 6 MO LIBOR IO                                                                  3
246010166                   2/28 6 MO LIBOR IO                                                                  3
246205341                   2/28 6 MO LIBOR                                                                     2
246205356                   2/28 6 MO LIBOR                                                                     2
246205371                   Fixed Rate                                                                          2
246205376                   3/27 6 MO LIBOR                                                                     2
246205382                   2/28 6 MO LIBOR                                                                     2
246205387                   3/27 6 MO LIBOR                                                                     2
246205398                   2/28 6 MO LIBOR                                                                     2
246205408                   2/28 6 MO LIBOR IO                                                                  2
246205414                   2/28 6 MO LIBOR IO                                                                  2
246205426                   2/28 6 MO LIBOR                                                                     2
246205429                   2/28 6 MO LIBOR                                                                     2
246205432                   2/28 6 MO LIBOR                                                                     2
246205469                   3/27 6 MO LIBOR                                                                     2
246205490                   2/28 6 MO LIBOR                                                                     3
246205504                   2/28 6 MO LIBOR                                                                     3
246205506                   3/27 6 MO LIBOR                                                                     3
246205526                   Fixed Rate                                                                          3
246205531                   Fixed Rate                                                                          3
246205593                   2/28 6 MO LIBOR IO                                                                  3
246205602                   Fixed Rate                                                                          3
246300602                   2/28 6 MO LIBOR                                                                     3
246404433                   2/28 6 MO LIBOR                                                                     2
246404482                   3/27 6 MO LIBOR                                                                     2
246404488                   3/27 6 MO LIBOR                                                                     3
246404490                   2/28 6 MO LIBOR IO                                                                  2
246404501                   2/28 6 MO LIBOR IO                                                                  3
246404542                   2/28 6 MO LIBOR                                                                     3
246404591                   Fixed Rate                                                                          3
246501504                   2/28 6 MO LIBOR                                                                     3
246701128                   Fixed Rate                                                                          3
246704911                   2/28 6 MO LIBOR IO                                                                  2
246704929                   2/28 6 MO LIBOR                                                                     2
246704934                   2/28 6 MO LIBOR                                                                     2
246704938                   2/28 6 MO LIBOR                                                                     2
246704971                   2/28 6 MO LIBOR                                                                     2
246704991                   Fixed Rate                                                                          2
246704997                   2/28 6 MO LIBOR                                                                     2
246705000                   2/28 6 MO LIBOR                                                                     3
246705025                   2/28 6 MO LIBOR                                                                     3
246705039                   2/28 6 MO LIBOR                                                                     3
246801580                   2/28 6 MO LIBOR                                                                     3
246808107                   2/28 6 MO LIBOR                                                                     2
246808109                   2/28 6 MO LIBOR                                                                     2
246808134                   Fixed Rate                                                                          2
246808135                   2/28 6 MO LIBOR                                                                     2
246808149                   2/28 6 MO LIBOR                                                                     2
246808169                   3/27 6 MO LIBOR                                                                     2
246808180                   3/27 6 MO LIBOR                                                                     2
246808192                   3/27 6 MO LIBOR                                                                     2
246808204                   2/28 6 MO LIBOR                                                                     2
246808208                   3/27 6 MO LIBOR                                                                     2
246808212                   2/28 6 MO LIBOR                                                                     2
246808218                   2/28 6 MO LIBOR                                                                     2
246808229                   2/28 6 MO LIBOR                                                                     2
246808235                   2/28 6 MO LIBOR                                                                     2
246808240                   Fixed Rate                                                                          2
246808359                   Fixed Rate                                                                          3
246808392                   Fixed Rate                                                                          3
246903676                   2/28 6 MO LIBOR IO                                                                  2
246903716                   2/28 6 MO LIBOR                                                                     2
246903725                   2/28 6 MO LIBOR                                                                     1
246903734                   2/28 6 MO LIBOR                                                                     2
247301053                   2/28 6 MO LIBOR                                                                     3
247305256                   3/27 6 MO LIBOR IO                                                                  2
247305460                   2/28 6 MO LIBOR                                                                     2
247305463                   3/27 6 MO LIBOR                                                                     2
247305501                   3/27 6 MO LIBOR                                                                     2
247305511                   3/27 6 MO LIBOR                                                                     3
247305512                   3/27 6 MO LIBOR IO                                                                  2
247305565                   3/27 6 MO LIBOR IO                                                                  3
247305566                   3/27 6 MO LIBOR IO                                                                  3
247305577                   2/28 6 MO LIBOR                                                                     3
247305585                   3/27 6 MO LIBOR                                                                     3
247305595                   3/27 6 MO LIBOR                                                                     3
247305598                   3/27 6 MO LIBOR                                                                     3
247305602                   2/28 6 MO LIBOR                                                                     3
247305618                   Fixed Rate                                                                          3
247305632                   3/27 6 MO LIBOR IO                                                                  3
247305634                   3/27 6 MO LIBOR IO                                                                  3
247305651                   Fixed Rate Balloon                                                                  3
247305662                   Fixed Rate Balloon                                                                  3
247305664                   2/28 6 MO LIBOR                                                                     3
247305671                   Fixed Rate                                                                          3
247404265                   2/28 6 MO LIBOR                                                                     2
247404400                   Fixed Rate                                                                          2
247404470                   2/28 6 MO LIBOR IO                                                                  2
247404480                   3/27 6 MO LIBOR                                                                     2
247404484                   3/27 6 MO LIBOR                                                                     2
247404485                   3/27 6 MO LIBOR                                                                     2
247404496                   3/27 6 MO LIBOR                                                                     2
247404548                   2/28 6 MO LIBOR                                                                     2
247404557                   Fixed Rate                                                                          2
247404580                   2/28 6 MO LIBOR                                                                     2
247404585                   3/27 6 MO LIBOR                                                                     2
247404591                   3/27 6 MO LIBOR                                                                     2
247404634                   3/27 6 MO LIBOR                                                                     2
247404696                   Fixed Rate                                                                          3
247404710                   Fixed Rate                                                                          2
247404721                   3/27 6 MO LIBOR                                                                     1
247404737                   3/27 6 MO LIBOR                                                                     3
247404807                   3/27 6 MO LIBOR                                                                     3
247404811                   2/28 6 MO LIBOR                                                                     3
247404832                   Fixed Rate                                                                          3
247404840                   2/28 6 MO LIBOR                                                                     3
247404845                   3/27 6 MO LIBOR                                                                     3
247404896                   2/28 6 MO LIBOR                                                                     3
247404906                   Fixed Rate                                                                          3
247404909                   2/28 6 MO LIBOR                                                                     3
247404916                   3/27 6 MO LIBOR                                                                     3
247404931                   Fixed Rate                                                                          3
247404937                   Fixed Rate                                                                          3
247404955                   2/28 6 MO LIBOR                                                                     3
247603159                   Fixed Rate                                                                          2
247603250                   3/27 6 MO LIBOR                                                                     2
247603281                   2/28 6 MO LIBOR                                                                     2
247603282                   3/27 6 MO LIBOR                                                                     2
247603303                   2/28 6 MO LIBOR                                                                     2
247603304                   3/27 6 MO LIBOR                                                                     2
247603318                   3/27 6 MO LIBOR                                                                     2
247603331                   2/28 6 MO LIBOR                                                                     3
247603349                   3/27 6 MO LIBOR                                                                     2
247603353                   3/27 6 MO LIBOR                                                                     3
247603403                   3/27 6 MO LIBOR                                                                     3
247603404                   2/28 6 MO LIBOR                                                                     3
247603409                   3/27 6 MO LIBOR                                                                     3
247603410                   2/28 6 MO LIBOR                                                                     3
247603414                   3/27 6 MO LIBOR                                                                     3
247603446                   2/28 6 MO LIBOR                                                                     3
247603453                   Fixed Rate                                                                          3
248605215                   3/27 6 MO LIBOR IO                                                                  2
248605221                   3/27 6 MO LIBOR IO                                                                  2
248605228                   3/27 6 MO LIBOR                                                                     2
248605233                   3/27 6 MO LIBOR                                                                     2
248605310                   3/27 6 MO LIBOR IO                                                                  2
248605402                   Fixed Rate                                                                          2
248605419                   3/27 6 MO LIBOR IO                                                                  2
248605421                   3/27 6 MO LIBOR IO                                                                  2
248605434                   3/27 6 MO LIBOR                                                                     2
248605443                   2/28 6 MO LIBOR IO                                                                  2
248605447                   3/27 6 MO LIBOR                                                                     2
248605454                   2/28 6 MO LIBOR IO                                                                  2
248605459                   2/28 6 MO LIBOR IO                                                                  2
248605460                   2/28 6 MO LIBOR IO                                                                  2
248605465                   3/27 6 MO LIBOR IO                                                                  2
248605471                   3/27 6 MO LIBOR IO                                                                  2
248605474                   2/28 6 MO LIBOR IO                                                                  2
248605478                   3/27 6 MO LIBOR IO                                                                  2
248605481                   3/27 6 MO LIBOR                                                                     2
248605484                   Fixed Rate Balloon                                                                  2
248605489                   2/28 6 MO LIBOR                                                                     2
248605492                   Fixed Rate                                                                          2
248605499                   Fixed Rate                                                                          2
248605502                   2/28 6 MO LIBOR                                                                     2
248605504                   3/27 6 MO LIBOR IO                                                                  2
248605505                   3/27 6 MO LIBOR IO                                                                  2
248605509                   2/28 6 MO LIBOR IO                                                                  2
248605514                   3/27 6 MO LIBOR                                                                     2
248605527                   2/28 6 MO LIBOR                                                                     2
248605530                   2/28 6 MO LIBOR                                                                     2
248605537                   Fixed Rate Balloon                                                                  2
248605539                   3/27 6 MO LIBOR IO                                                                  2
248605541                   3/27 6 MO LIBOR                                                                     2
248605546                   3/27 6 MO LIBOR                                                                     2
248605547                   2/28 6 MO LIBOR IO                                                                  2
248605549                   Fixed Rate Balloon                                                                  2
248605551                   3/27 6 MO LIBOR                                                                     2
248605552                   Fixed Rate Balloon                                                                  2
248605553                   2/28 6 MO LIBOR                                                                     2
248605554                   3/27 6 MO LIBOR                                                                     2
248605561                   3/27 6 MO LIBOR                                                                     2
248605562                   2/28 6 MO LIBOR IO                                                                  2
248605571                   Fixed Rate Balloon                                                                  2
248605576                   2/28 6 MO LIBOR IO                                                                  2
248605579                   3/27 6 MO LIBOR IO                                                                  2
248605580                   2/28 6 MO LIBOR                                                                     2
248605582                   2/28 6 MO LIBOR                                                                     2
248605583                   3/27 6 MO LIBOR                                                                     2
248605585                   3/27 6 MO LIBOR IO                                                                  2
248605594                   3/27 6 MO LIBOR                                                                     2
248605600                   Fixed Rate Balloon                                                                  2
248605602                   3/27 6 MO LIBOR IO                                                                  2
248605612                   2/28 6 MO LIBOR IO                                                                  2
248605618                   2/28 6 MO LIBOR IO                                                                  2
248605626                   Fixed Rate Balloon                                                                  2
248605627                   2/28 6 MO LIBOR                                                                     2
248605634                   3/27 6 MO LIBOR IO                                                                  2
248605635                   3/27 6 MO LIBOR IO                                                                  2
248605640                   Fixed Rate Balloon                                                                  2
248605643                   Fixed Rate Balloon                                                                  2
248605648                   3/27 6 MO LIBOR                                                                     2
248605651                   3/27 6 MO LIBOR IO                                                                  2
248605654                   3/27 6 MO LIBOR                                                                     2
248605655                   2/28 6 MO LIBOR                                                                     3
248605656                   Fixed Rate Balloon                                                                  2
248605661                   Fixed Rate Balloon                                                                  2
248605663                   Fixed Rate Balloon                                                                  2
248605665                   3/27 6 MO LIBOR                                                                     2
248605670                   2/28 6 MO LIBOR IO                                                                  2
248605671                   2/28 6 MO LIBOR                                                                     2
248605677                   3/27 6 MO LIBOR IO                                                                  2
248605681                   3/27 6 MO LIBOR                                                                     2
248605683                   3/27 6 MO LIBOR                                                                     2
248605685                   3/27 6 MO LIBOR IO                                                                  2
248605689                   2/28 6 MO LIBOR IO                                                                  2
248605690                   2/28 6 MO LIBOR                                                                     2
248605698                   2/28 6 MO LIBOR IO                                                                  2
248605707                   Fixed Rate Balloon                                                                  2
248605712                   Fixed Rate                                                                          2
248605719                   Fixed Rate Balloon                                                                  2
248605724                   Fixed Rate Balloon                                                                  2
248605726                   Fixed Rate Balloon                                                                  2
248605727                   Fixed Rate Balloon                                                                  2
248605730                   3/27 6 MO LIBOR IO                                                                  2
248605737                   2/28 6 MO LIBOR IO                                                                  2
248605739                   Fixed Rate Balloon                                                                  2
248605740                   3/27 6 MO LIBOR                                                                     2
248605742                   2/28 6 MO LIBOR IO                                                                  2
248605748                   Fixed Rate Balloon                                                                  2
248605759                   Fixed Rate                                                                          2
248605760                   2/28 6 MO LIBOR                                                                     2
248605762                   Fixed Rate Balloon                                                                  2
248605767                   3/27 6 MO LIBOR                                                                     2
248605775                   2/28 6 MO LIBOR IO                                                                  2
248605777                   Fixed Rate Balloon                                                                  2
248605784                   Fixed Rate                                                                          2
248605785                   2/28 6 MO LIBOR IO                                                                  2
248605787                   Fixed Rate                                                                          2
248605789                   2/28 6 MO LIBOR                                                                     2
248605794                   2/28 6 MO LIBOR IO                                                                  2
248605798                   3/27 6 MO LIBOR                                                                     2
248605799                   2/28 6 MO LIBOR IO                                                                  2
248605800                   2/28 6 MO LIBOR                                                                     3
248605801                   3/27 6 MO LIBOR                                                                     2
248605804                   3/27 6 MO LIBOR IO                                                                  2
248605808                   Fixed Rate Balloon                                                                  2
248605812                   2/28 6 MO LIBOR IO                                                                  2
248605813                   2/28 6 MO LIBOR                                                                     2
248605817                   Fixed Rate Balloon                                                                  2
248605818                   3/27 6 MO LIBOR                                                                     2
248605826                   Fixed Rate Balloon                                                                  2
248605836                   Fixed Rate Balloon                                                                  2
248605840                   Fixed Rate Balloon                                                                  2
248605844                   3/27 6 MO LIBOR IO                                                                  2
248605845                   Fixed Rate                                                                          2
248605846                   Fixed Rate Balloon                                                                  2
248605847                   Fixed Rate Balloon                                                                  2
248605848                   Fixed Rate Balloon                                                                  2
248605855                   Fixed Rate Balloon                                                                  2
248605856                   2/28 6 MO LIBOR                                                                     2
248605857                   2/28 6 MO LIBOR                                                                     2
248605861                   3/27 6 MO LIBOR                                                                     2
248605863                   2/28 6 MO LIBOR                                                                     1
248605865                   2/28 6 MO LIBOR IO                                                                  3
248605870                   2/28 6 MO LIBOR IO                                                                  2
248605878                   2/28 6 MO LIBOR                                                                     1
248605884                   2/28 6 MO LIBOR IO                                                                  2
248605887                   Fixed Rate Balloon                                                                  2
248605897                   2/28 6 MO LIBOR IO                                                                  2
248605899                   2/28 6 MO LIBOR IO                                                                  2
248605902                   Fixed Rate                                                                          2
248605912                   3/27 6 MO LIBOR                                                                     3
248605916                   Fixed Rate Balloon                                                                  2
248605919                   2/28 6 MO LIBOR IO                                                                  3
248605922                   Fixed Rate Balloon                                                                  2
248605928                   Fixed Rate Balloon                                                                  2
248605932                   3/27 6 MO LIBOR IO                                                                  3
248605933                   Fixed Rate Balloon                                                                  2
248605935                   2/28 6 MO LIBOR IO                                                                  3
248605938                   2/28 6 MO LIBOR IO                                                                  3
248605942                   Fixed Rate                                                                          3
248605944                   2/28 6 MO LIBOR                                                                     3
248605948                   2/28 6 MO LIBOR IO                                                                  3
248605952                   Fixed Rate Balloon                                                                  2
248605953                   2/28 6 MO LIBOR                                                                     3
248605954                   Fixed Rate                                                                          3
248605955                   3/27 6 MO LIBOR IO                                                                  1
248605956                   3/27 6 MO LIBOR                                                                     1
248605958                   2/28 6 MO LIBOR                                                                     1
248605962                   2/28 6 MO LIBOR                                                                     1
248605967                   2/28 6 MO LIBOR                                                                     1
248605968                   Fixed Rate Balloon                                                                  2
248605970                   2/28 6 MO LIBOR IO                                                                  3
248605974                   2/28 6 MO LIBOR                                                                     1
248605976                   2/28 6 MO LIBOR IO                                                                  3
248605977                   2/28 6 MO LIBOR IO                                                                  3
248605981                   2/28 6 MO LIBOR IO                                                                  3
248606000                   Fixed Rate                                                                          3
248606005                   Fixed Rate Balloon                                                                  3
248606008                   2/28 6 MO LIBOR                                                                     3
248606009                   Fixed Rate Balloon                                                                  3
248606024                   2/28 6 MO LIBOR                                                                     3
248606037                   Fixed Rate                                                                          3
248606045                   Fixed Rate                                                                          3
248606054                   2/28 6 MO LIBOR IO                                                                  3
248606112                   2/28 6 MO LIBOR                                                                     3
248606118                   2/28 6 MO LIBOR IO                                                                  3
248606144                   2/28 6 MO LIBOR                                                                     3
248606148                   3/27 6 MO LIBOR                                                                     3
248606158                   Fixed Rate                                                                          3
248606161                   2/28 6 MO LIBOR                                                                     3
248606164                   2/28 6 MO LIBOR                                                                     3
248606170                   2/28 6 MO LIBOR                                                                     3
248606171                   2/28 6 MO LIBOR                                                                     3
248606183                   2/28 6 MO LIBOR                                                                     3
248606184                   2/28 6 MO LIBOR                                                                     3
248606187                   3/27 6 MO LIBOR                                                                     3
248606189                   3/27 6 MO LIBOR IO                                                                  3
248606227                   3/27 6 MO LIBOR                                                                     3
248606253                   Fixed Rate Balloon                                                                  3
248606311                   Fixed Rate Balloon                                                                  3
248606328                   Fixed Rate                                                                          3
248606335                   Fixed Rate                                                                          3
248606338                   Fixed Rate Balloon                                                                  3
248606339                   3/27 6 MO LIBOR                                                                     3
248606341                   Fixed Rate Balloon                                                                  3
248606346                   2/28 6 MO LIBOR                                                                     3
248606352                   Fixed Rate                                                                          3
248606363                   Fixed Rate                                                                          3
248606369                   Fixed Rate Balloon                                                                  3
248606370                   Fixed Rate Balloon                                                                  3
248606383                   Fixed Rate                                                                          3
248606420                   3/27 6 MO LIBOR                                                                     3
249007080                   Fixed Rate                                                                          3
249007245                   Fixed Rate                                                                          3
249007449                   Fixed Rate                                                                          3
249007515                   Fixed Rate                                                                          3
249023305                   2/28 6 MO LIBOR                                                                     2
249023459                   Fixed Rate                                                                          2
249023575                   2/28 6 MO LIBOR                                                                     1
249023707                   2/28 6 MO LIBOR                                                                     2
249023733                   2/28 6 MO LIBOR                                                                     1
249023746                   Fixed Rate                                                                          1
249023873                   2/28 6 MO LIBOR                                                                     1
249023905                   2/28 6 MO LIBOR                                                                     1
249023942                   2/28 6 MO LIBOR                                                                     1
249023956                   Fixed Rate                                                                          1
249023972                   2/28 6 MO LIBOR                                                                     1
249024064                   3/27 6 MO LIBOR IO                                                                  1
249024113                   2/28 6 MO LIBOR                                                                     3
249024114                   2/28 6 MO LIBOR                                                                     3
249024131                   2/28 6 MO LIBOR                                                                     3
249024171                   2/28 6 MO LIBOR                                                                     3
249024187                   2/28 6 MO LIBOR                                                                     3
249107149                   Fixed Rate                                                                          3
249107256                   Fixed Rate                                                                          3
249121123                   Fixed Rate                                                                          2
249121616                   Fixed Rate                                                                          2
249121650                   2/28 6 MO LIBOR                                                                     2
249121656                   Fixed Rate                                                                          2
249121766                   2/28 6 MO LIBOR                                                                     2
249121776                   2/28 6 MO LIBOR                                                                     2
249121795                   2/28 6 MO LIBOR                                                                     2
249121875                   Fixed Rate                                                                          2
249122003                   Fixed Rate                                                                          1
249122037                   2/28 6 MO LIBOR                                                                     1
249122072                   2/28 6 MO LIBOR                                                                     1
249122091                   2/28 6 MO LIBOR                                                                     1
249122104                   Fixed Rate                                                                          1
249122109                   Fixed Rate                                                                          1
249122110                   2/28 6 MO LIBOR                                                                     3
249122157                   2/28 6 MO LIBOR                                                                     1
249122169                   2/28 6 MO LIBOR                                                                     3
249122173                   2/28 6 MO LIBOR                                                                     1
249122194                   2/28 6 MO LIBOR                                                                     3
249122209                   2/28 6 MO LIBOR                                                                     1
249122222                   2/28 6 MO LIBOR                                                                     1
249122223                   2/28 6 MO LIBOR                                                                     3
249122236                   2/28 6 MO LIBOR                                                                     3
249122312                   2/28 6 MO LIBOR                                                                     3
249200018                   Fixed Rate                                                                          1
249208152                   Fixed Rate                                                                          3
249208164                   Fixed Rate                                                                          3
249208307                   Fixed Rate                                                                          3
249208374                   Fixed Rate                                                                          3
249208534                   Fixed Rate                                                                          3
249226343                   2/28 6 MO LIBOR                                                                     1
249226422                   2/28 6 MO LIBOR                                                                     1
249226454                   2/28 6 MO LIBOR                                                                     1
249226775                   2/28 6 MO LIBOR                                                                     1
249226788                   2/28 6 MO LIBOR                                                                     1
249226805                   2/28 6 MO LIBOR                                                                     1
249226808                   2/28 6 MO LIBOR                                                                     1
249226880                   2/28 6 MO LIBOR                                                                     1
249226901                   Fixed Rate Balloon                                                                  2
249226905                   2/28 6 MO LIBOR                                                                     2
249227002                   2/28 6 MO LIBOR                                                                     1
249227051                   2/28 6 MO LIBOR                                                                     1
249227063                   2/28 6 MO LIBOR                                                                     1
249227080                   Fixed Rate                                                                          1
249227165                   2/28 6 MO LIBOR                                                                     1
249227218                   Fixed Rate                                                                          1
249227267                   Fixed Rate                                                                          1
249227271                   2/28 6 MO LIBOR                                                                     1
249227276                   2/28 6 MO LIBOR                                                                     3
249227299                   2/28 6 MO LIBOR                                                                     1
249227311                   2/28 6 MO LIBOR                                                                     1
249227406                   2/28 6 MO LIBOR                                                                     3
249227426                   2/28 6 MO LIBOR                                                                     3
249227531                   2/28 6 MO LIBOR                                                                     3
249227545                   2/28 6 MO LIBOR                                                                     3
249227661                   2/28 6 MO LIBOR                                                                     3
249305518                   Fixed Rate                                                                          3
249305578                   Fixed Rate                                                                          3
249320533                   2/28 6 MO LIBOR                                                                     1
249320689                   2/28 6 MO LIBOR                                                                     1
249320949                   Fixed Rate                                                                          2
249320999                   2/28 6 MO LIBOR                                                                     2
249321183                   2/28 6 MO LIBOR                                                                     2
249321329                   2/28 6 MO LIBOR                                                                     1
249321417                   Fixed Rate                                                                          2
249321418                   2/28 6 MO LIBOR                                                                     1
249321500                   2/28 6 MO LIBOR                                                                     1
249321555                   Fixed Rate                                                                          1
249321560                   2/28 6 MO LIBOR                                                                     3
249321582                   2/28 6 MO LIBOR                                                                     1
249321609                   2/28 6 MO LIBOR                                                                     3
249321750                   2/28 6 MO LIBOR                                                                     3
249321803                   2/28 6 MO LIBOR                                                                     3
249321872                   2/28 6 MO LIBOR                                                                     3
249403952                   Fixed Rate                                                                          3
249404233                   Fixed Rate                                                                          3
249504115                   Fixed Rate                                                                          3
249504429                   Fixed Rate                                                                          3
249521167                   2/28 6 MO LIBOR                                                                     2
249521952                   2/28 6 MO LIBOR                                                                     1
249522316                   Fixed Rate                                                                          2
249522493                   Fixed Rate                                                                          2
249522584                   2/28 6 MO LIBOR                                                                     1
249522676                   2/28 6 MO LIBOR                                                                     2
249522706                   Fixed Rate                                                                          2
249522766                   2/28 6 MO LIBOR                                                                     1
249522783                   2/28 6 MO LIBOR                                                                     2
249522798                   2/28 6 MO LIBOR                                                                     1
249522816                   Fixed Rate                                                                          2
249522941                   2/28 6 MO LIBOR                                                                     1
249523026                   2/28 6 MO LIBOR                                                                     2
249523068                   2/28 6 MO LIBOR                                                                     1
249523114                   Fixed Rate                                                                          3
249523143                   2/28 6 MO LIBOR                                                                     3
249523148                   2/28 6 MO LIBOR                                                                     3
249523151                   2/28 6 MO LIBOR                                                                     3
249523160                   2/28 6 MO LIBOR                                                                     3
249523163                   2/28 6 MO LIBOR                                                                     3
249523183                   2/28 6 MO LIBOR                                                                     3
249523201                   2/28 6 MO LIBOR                                                                     3
249523210                   2/28 6 MO LIBOR                                                                     3
249523213                   2/28 6 MO LIBOR                                                                     3
249523439                   Fixed Rate                                                                          3
249602746                   Fixed Rate                                                                          3
249602976                   Fixed Rate                                                                          3
249615513                   2/28 6 MO LIBOR                                                                     1
249615515                   2/28 6 MO LIBOR                                                                     2
249615565                   Fixed Rate                                                                          1
249615644                   2/28 6 MO LIBOR                                                                     1
249615657                   Fixed Rate                                                                          2
249615842                   2/28 6 MO LIBOR                                                                     1
249615878                   3/27 6 MO LIBOR                                                                     2
249615942                   2/28 6 MO LIBOR                                                                     1
249616047                   2/28 6 MO LIBOR                                                                     1
249616081                   2/28 6 MO LIBOR                                                                     2
249616099                   3/27 6 MO LIBOR                                                                     1
249616119                   2/28 6 MO LIBOR                                                                     1
249616183                   Fixed Rate                                                                          1
249616193                   Fixed Rate                                                                          1
249616281                   2/28 6 MO LIBOR                                                                     1
249616295                   3/27 6 MO LIBOR                                                                     1
249616315                   2/28 6 MO LIBOR                                                                     3
249616346                   2/28 6 MO LIBOR                                                                     1
249616352                   2/28 6 MO LIBOR                                                                     3
249616370                   2/28 6 MO LIBOR                                                                     3
249616385                   2/28 6 MO LIBOR                                                                     3
249616399                   2/28 6 MO LIBOR                                                                     3
249616451                   2/28 6 MO LIBOR                                                                     3
249616466                   6 MO LIBOR                                                                          1
249616474                   2/28 6 MO LIBOR                                                                     3
249616497                   2/28 6 MO LIBOR                                                                     3
249616510                   3/27 6 MO LIBOR                                                                     3
249616587                   3/27 6 MO LIBOR                                                                     3
249616626                   Fixed Rate                                                                          3
249616638                   2/28 6 MO LIBOR                                                                     3
249723869                   2/28 6 MO LIBOR                                                                     2
249723930                   2/28 6 MO LIBOR                                                                     2
249723998                   2/28 6 MO LIBOR                                                                     2
249724158                   2/28 6 MO LIBOR                                                                     2
249724328                   2/28 6 MO LIBOR                                                                     2
249724391                   2/28 6 MO LIBOR                                                                     2
249724430                   2/28 6 MO LIBOR                                                                     2
249724462                   2/28 6 MO LIBOR                                                                     2
249724534                   Fixed Rate                                                                          2
249724585                   2/28 6 MO LIBOR                                                                     1
249724605                   Fixed Rate                                                                          1
249724680                   2/28 6 MO LIBOR                                                                     1
249724699                   Fixed Rate                                                                          2
249724727                   2/28 6 MO LIBOR                                                                     1
249724730                   2/28 6 MO LIBOR                                                                     1
249724740                   2/28 6 MO LIBOR                                                                     1
249724773                   Fixed Rate                                                                          1
249724821                   2/28 6 MO LIBOR                                                                     1
249724825                   2/28 6 MO LIBOR                                                                     1
249724876                   2/28 6 MO LIBOR                                                                     1
249724897                   2/28 6 MO LIBOR                                                                     1
249724898                   2/28 6 MO LIBOR                                                                     3
249724980                   Fixed Rate                                                                          1
249725054                   2/28 6 MO LIBOR                                                                     3
249725094                   2/28 6 MO LIBOR                                                                     3
249725167                   2/28 6 MO LIBOR                                                                     3
249725222                   Fixed Rate                                                                          3
249725262                   2/28 6 MO LIBOR                                                                     3
249800840                   Fixed Rate                                                                          3
249801014                   2/28 6 MO LIBOR                                                                     3
249802271                   2/28 6 MO LIBOR                                                                     3
249802655                   2/28 6 MO LIBOR                                                                     3
249818257                   Fixed Rate                                                                          3
249818417                   5/25 1 YR LIBOR                                                                     3
250700062                   2/28 6 MO LIBOR                                                                     2
250800095                   2/28 6 MO LIBOR                                                                     3
250800126                   2/28 6 MO LIBOR IO                                                                  2
250800144                   3/27 6 MO LIBOR IO                                                                  2
250800197                   2/28 6 MO LIBOR IO                                                                  2
250800212                   2/28 6 MO LIBOR IO                                                                  2
250800213                   2/28 6 MO LIBOR                                                                     2
250800216                   2/28 6 MO LIBOR                                                                     2
250800222                   2/28 6 MO LIBOR                                                                     2
250800256                   2/28 6 MO LIBOR                                                                     2
250800271                   3/27 6 MO LIBOR IO                                                                  2
250800274                   2/28 6 MO LIBOR                                                                     2
250800277                   2/28 6 MO LIBOR                                                                     2
250800285                   2/28 6 MO LIBOR                                                                     2
250800289                   2/28 6 MO LIBOR                                                                     2
250800290                   2/28 6 MO LIBOR                                                                     1
250800299                   2/28 6 MO LIBOR                                                                     2
250800307                   2/28 6 MO LIBOR                                                                     3
250800318                   2/28 6 MO LIBOR                                                                     2
250800346                   2/28 6 MO LIBOR                                                                     2
250800357                   2/28 6 MO LIBOR                                                                     3
250800361                   2/28 6 MO LIBOR IO                                                                  3
250800375                   2/28 6 MO LIBOR                                                                     1
250800419                   2/28 6 MO LIBOR                                                                     3
250800424                   2/28 6 MO LIBOR                                                                     3
250800437                   2/28 6 MO LIBOR                                                                     3
250800441                   2/28 6 MO LIBOR                                                                     3
250800450                   2/28 6 MO LIBOR                                                                     3
250800466                   2/28 6 MO LIBOR IO                                                                  3
250800471                   2/28 6 MO LIBOR                                                                     3
250800490                   2/28 6 MO LIBOR IO                                                                  3
250800528                   Fixed Rate                                                                          3
250800547                   Fixed Rate                                                                          3
250900887                   2/28 6 MO LIBOR                                                                     2
250900895                   2/28 6 MO LIBOR                                                                     2
250900900                   2/28 6 MO LIBOR IO                                                                  2
250900921                   2/28 6 MO LIBOR                                                                     2
250900923                   2/28 6 MO LIBOR                                                                     2
250900952                   2/28 6 MO LIBOR                                                                     2
250900954                   3/27 6 MO LIBOR                                                                     2
250900957                   2/28 6 MO LIBOR                                                                     2
250900976                   2/28 6 MO LIBOR                                                                     2
250901010                   2/28 6 MO LIBOR                                                                     3
250901041                   2/28 6 MO LIBOR                                                                     3
250901058                   Fixed Rate                                                                          3
250901067                   Fixed Rate                                                                          3
251100651                   2/28 6 MO LIBOR IO                                                                  2
251100682                   Fixed Rate                                                                          2
251100693                   2/28 6 MO LIBOR IO                                                                  2
251100698                   2/28 6 MO LIBOR                                                                     2
251100703                   2/28 6 MO LIBOR IO                                                                  2
251100706                   2/28 6 MO LIBOR IO                                                                  2
251100714                   2/28 6 MO LIBOR IO                                                                  2
251100715                   2/28 6 MO LIBOR IO                                                                  2
251100729                   2/28 6 MO LIBOR IO                                                                  2
251100731                   2/28 6 MO LIBOR                                                                     3
251100747                   2/28 6 MO LIBOR IO                                                                  2
251100764                   2/28 6 MO LIBOR IO                                                                  3
251100772                   2/28 6 MO LIBOR                                                                     3
251100783                   Fixed Rate                                                                          3
251100786                   Fixed Rate Balloon                                                                  3
251100829                   2/28 6 MO LIBOR                                                                     3
251100843                   2/28 6 MO LIBOR IO                                                                  3
251100844                   Fixed Rate Balloon                                                                  3
251100861                   Fixed Rate Balloon                                                                  3
251100872                   Fixed Rate                                                                          3
251100893                   2/28 6 MO LIBOR                                                                     3
251201053                   2/28 6 MO LIBOR                                                                     2
251201103                   2/28 6 MO LIBOR                                                                     2
251201124                   2/28 6 MO LIBOR                                                                     2
251201196                   2/28 6 MO LIBOR                                                                     3
251201206                   2/28 6 MO LIBOR                                                                     3
251301254                   2/28 6 MO LIBOR                                                                     2
251301301                   2/28 6 MO LIBOR                                                                     2
251301305                   2/28 6 MO LIBOR                                                                     1
251301315                   2/28 6 MO LIBOR                                                                     2
251301331                   2/28 6 MO LIBOR                                                                     2
251400937                   3/27 6 MO LIBOR                                                                     2
251400972                   2/28 6 MO LIBOR                                                                     2
251401004                   3/27 6 MO LIBOR                                                                     2
251401008                   3/27 6 MO LIBOR                                                                     2
251401040                   3/27 6 MO LIBOR                                                                     3
251401062                   2/28 6 MO LIBOR                                                                     2
251401093                   3/27 6 MO LIBOR IO                                                                  2
251401143                   3/27 6 MO LIBOR                                                                     3
251401148                   2/28 6 MO LIBOR                                                                     3
251401183                   Fixed Rate                                                                          3
251401198                   2/28 6 MO LIBOR                                                                     3
251401234                   Fixed Rate                                                                          3
251500889                   3/27 6 MO LIBOR                                                                     3
251500916                   3/27 6 MO LIBOR                                                                     1
251500941                   Fixed Rate                                                                          2
251500947                   3/27 6 MO LIBOR IO                                                                  2
251500956                   3/27 6 MO LIBOR                                                                     2
251500982                   3/27 6 MO LIBOR                                                                     2
251501002                   3/27 6 MO LIBOR                                                                     2
251501028                   3/27 6 MO LIBOR IO                                                                  2
251501032                   3/27 6 MO LIBOR                                                                     2
251501044                   3/27 6 MO LIBOR                                                                     1
251501047                   Fixed Rate                                                                          3
251501065                   3/27 6 MO LIBOR                                                                     3
251501070                   2/28 6 MO LIBOR                                                                     3
251501086                   3/27 6 MO LIBOR                                                                     3
251501135                   3/27 6 MO LIBOR IO                                                                  3
251501162                   Fixed Rate                                                                          3
251501165                   3/27 6 MO LIBOR                                                                     3
251501197                   2/28 6 MO LIBOR                                                                     3
251501199                   Fixed Rate                                                                          3
251600978                   3/27 6 MO LIBOR                                                                     2
251601038                   3/27 6 MO LIBOR                                                                     2
251601169                   3/27 6 MO LIBOR                                                                     2
251601213                   Fixed Rate                                                                          2
251601218                   3/27 6 MO LIBOR                                                                     2
251601284                   3/27 6 MO LIBOR                                                                     3
251601290                   3/27 6 MO LIBOR                                                                     3
251601321                   Fixed Rate                                                                          3
251601351                   3/27 6 MO LIBOR                                                                     3
251601352                   Fixed Rate                                                                          3
251601362                   3/27 6 MO LIBOR IO                                                                  3
251601373                   3/27 6 MO LIBOR IO                                                                  3
251601388                   3/27 6 MO LIBOR                                                                     3
251601389                   Fixed Rate                                                                          3
252004760                   2/28 6 MO LIBOR                                                                     2
252004802                   2/28 6 MO LIBOR                                                                     2
252004856                   3/27 6 MO LIBOR                                                                     2
252004868                   3/27 6 MO LIBOR                                                                     2
252004887                   3/27 6 MO LIBOR                                                                     2
252004960                   2/28 6 MO LIBOR                                                                     3
252005002                   3/27 6 MO LIBOR                                                                     3
252005034                   2/28 6 MO LIBOR                                                                     3
252005046                   2/28 6 MO LIBOR                                                                     3
252005053                   2/28 6 MO LIBOR                                                                     3
252005082                   Fixed Rate                                                                          3
252005096                   Fixed Rate                                                                          3
252005109                   Fixed Rate                                                                          3
252005137                   2/28 6 MO LIBOR                                                                     3
252205402                   2/28 6 MO LIBOR                                                                     2
252205571                   2/28 6 MO LIBOR                                                                     1
252205656                   2/28 6 MO LIBOR                                                                     2
252205925                   2/28 6 MO LIBOR                                                                     1
252206168                   6 MO LIBOR                                                                          2
252206194                   6 MO LIBOR                                                                          1
252206225                   2/28 6 MO LIBOR                                                                     2
252206278                   2/28 6 MO LIBOR                                                                     2
252206356                   2/28 6 MO LIBOR                                                                     1
252206398                   2/28 6 MO LIBOR                                                                     1
252206601                   2/28 6 MO LIBOR                                                                     3
252402166                   Fixed Rate                                                                          1
252405038                   2/28 6 MO LIBOR                                                                     1
252405039                   2/28 6 MO LIBOR                                                                     1
252405092                   Fixed Rate                                                                          2
252405120                   2/28 6 MO LIBOR                                                                     1
252405199                   2/28 6 MO LIBOR                                                                     2
252405263                   2/28 6 MO LIBOR                                                                     1
252405272                   3/27 6 MO LIBOR                                                                     2
252405280                   Fixed Rate                                                                          2
252405303                   Fixed Rate                                                                          2
252405313                   2/28 6 MO LIBOR                                                                     1
252405353                   2/28 6 MO LIBOR                                                                     1
252405394                   2/28 6 MO LIBOR                                                                     2
252405412                   2/28 6 MO LIBOR                                                                     1
252405454                   Fixed Rate                                                                          2
252405458                   2/28 6 MO LIBOR                                                                     1
252405512                   Fixed Rate                                                                          1
252405569                   Fixed Rate                                                                          1
252405602                   2/28 6 MO LIBOR                                                                     1
252405626                   2/28 6 MO LIBOR                                                                     1
252405628                   2/28 6 MO LIBOR                                                                     1
252405643                   2/28 6 MO LIBOR                                                                     1
252405647                   Fixed Rate                                                                          1
252405659                   2/28 6 MO LIBOR                                                                     3
252405679                   2/28 6 MO LIBOR                                                                     3
252405705                   Fixed Rate                                                                          3
252405711                   2/28 6 MO LIBOR                                                                     3
252405755                   2/28 6 MO LIBOR                                                                     3
252405768                   2/28 6 MO LIBOR                                                                     3
252405964                   2/28 6 MO LIBOR                                                                     3
252505413                   2/28 6 MO LIBOR                                                                     2
252505561                   2/28 6 MO LIBOR                                                                     2
252505614                   2/28 6 MO LIBOR                                                                     1
252505651                   2/28 6 MO LIBOR                                                                     2
252505665                   Fixed Rate                                                                          2
252505667                   2/28 6 MO LIBOR                                                                     2
252505688                   2/28 6 MO LIBOR                                                                     2
252505751                   2/28 6 MO LIBOR                                                                     1
252505803                   2/28 6 MO LIBOR                                                                     1
252505818                   2/28 6 MO LIBOR                                                                     3
252505825                   2/28 6 MO LIBOR                                                                     2
252505832                   2/28 6 MO LIBOR                                                                     1
252505833                   2/28 6 MO LIBOR                                                                     1
252505926                   2/28 6 MO LIBOR                                                                     1
252505944                   2/28 6 MO LIBOR                                                                     1
252505947                   Fixed Rate                                                                          1
252505948                   2/28 6 MO LIBOR                                                                     1
252505949                   2/28 6 MO LIBOR                                                                     1
252505955                   2/28 6 MO LIBOR                                                                     3
252505965                   Fixed Rate                                                                          3
252505978                   2/28 6 MO LIBOR                                                                     1
252505986                   Fixed Rate                                                                          1
252505991                   3/27 6 MO LIBOR                                                                     1
252506001                   2/28 6 MO LIBOR                                                                     1
252506011                   2/28 6 MO LIBOR                                                                     3
252506020                   Fixed Rate                                                                          3
252506124                   2/28 6 MO LIBOR                                                                     3
252506173                   2/28 6 MO LIBOR                                                                     3
252506180                   2/28 6 MO LIBOR                                                                     3
252607132                   2/28 6 MO LIBOR                                                                     1
252707582                   Fixed Rate                                                                          1
252707782                   2/28 6 MO LIBOR                                                                     2
252707984                   2/28 6 MO LIBOR                                                                     2
252708030                   2/28 6 MO LIBOR                                                                     1
252708083                   2/28 6 MO LIBOR                                                                     2
252708333                   6 MO LIBOR                                                                          1
252708350                   2/28 6 MO LIBOR                                                                     2
252708421                   Fixed Rate                                                                          2
252708476                   2/28 6 MO LIBOR                                                                     2
252708675                   6 MO LIBOR                                                                          1
252708690                   3/27 6 MO LIBOR                                                                     2
252708818                   Fixed Rate                                                                          1
252708921                   2/28 6 MO LIBOR                                                                     1
252708927                   2/28 6 MO LIBOR                                                                     2
252708933                   2/28 6 MO LIBOR                                                                     1
252708938                   Fixed Rate                                                                          1
252709034                   Fixed Rate                                                                          1
252709055                   Fixed Rate                                                                          1
252709086                   Fixed Rate                                                                          1
252709130                   Fixed Rate                                                                          1
252709134                   Fixed Rate                                                                          1
252709146                   2/28 6 MO LIBOR                                                                     1
252709184                   2/28 6 MO LIBOR                                                                     3
252709215                   2/28 6 MO LIBOR                                                                     3
252709352                   3/27 6 MO LIBOR                                                                     3
252709358                   2/28 6 MO LIBOR IO                                                                  3
252808305                   2/28 6 MO LIBOR                                                                     2
252808311                   Fixed Rate Balloon                                                                  2
252808444                   2/28 6 MO LIBOR                                                                     1
252808455                   2/28 6 MO LIBOR                                                                     1
252808550                   2/28 6 MO LIBOR                                                                     1
252808710                   Fixed Rate                                                                          2
252808831                   2/28 6 MO LIBOR                                                                     2
252808920                   2/28 6 MO LIBOR                                                                     1
252808973                   2/28 6 MO LIBOR                                                                     1
252808975                   Fixed Rate                                                                          2
252808993                   2/28 6 MO LIBOR                                                                     1
252808998                   Fixed Rate                                                                          3
252809011                   2/28 6 MO LIBOR                                                                     1
252809030                   2/28 6 MO LIBOR                                                                     3
252809049                   Fixed Rate                                                                          1
252809056                   2/28 6 MO LIBOR                                                                     1
252809068                   2/28 6 MO LIBOR                                                                     1
252809080                   2/28 6 MO LIBOR                                                                     1
252809085                   2/28 6 MO LIBOR                                                                     3
252809170                   Fixed Rate                                                                          3
252809175                   2/28 6 MO LIBOR                                                                     1
252809178                   2/28 6 MO LIBOR                                                                     1
252809191                   Fixed Rate                                                                          1
252809209                   2/28 6 MO LIBOR                                                                     1
252809216                   2/28 6 MO LIBOR                                                                     1
252809251                   2/28 6 MO LIBOR                                                                     3
252809315                   2/28 6 MO LIBOR                                                                     3
252809316                   2/28 6 MO LIBOR                                                                     3
252809323                   2/28 6 MO LIBOR                                                                     3
252809366                   2/28 6 MO LIBOR                                                                     3
252809451                   2/28 6 MO LIBOR                                                                     3
253004528                   2/28 6 MO LIBOR                                                                     1
253004530                   2/28 6 MO LIBOR                                                                     1
253004689                   2/28 6 MO LIBOR                                                                     2
253004723                   Fixed Rate                                                                          2
253004757                   2/28 6 MO LIBOR                                                                     1
253004911                   2/28 6 MO LIBOR                                                                     2
253005024                   Fixed Rate                                                                          2
253005093                   2/28 6 MO LIBOR                                                                     1
253005113                   2/28 6 MO LIBOR                                                                     1
253005171                   2/28 6 MO LIBOR                                                                     1
253005176                   Fixed Rate                                                                          2
253005198                   2/28 6 MO LIBOR                                                                     1
253005261                   Fixed Rate                                                                          2
253005289                   2/28 6 MO LIBOR                                                                     1
253005338                   Fixed Rate                                                                          1
253005379                   2/28 6 MO LIBOR                                                                     1
253005409                   Fixed Rate                                                                          1
253005434                   2/28 6 MO LIBOR                                                                     1
253005439                   Fixed Rate                                                                          1
253005512                   2/28 6 MO LIBOR                                                                     1
253005530                   Fixed Rate                                                                          1
253005590                   2/28 6 MO LIBOR                                                                     1
253005594                   Fixed Rate                                                                          3
253005609                   2/28 6 MO LIBOR                                                                     3
253005660                   2/28 6 MO LIBOR                                                                     3
253005861                   2/28 6 MO LIBOR                                                                     3
253006075                   Fixed Rate                                                                          3
253104391                   Fixed Rate                                                                          3
253203467                   Fixed Rate                                                                          3
253203661                   2/28 6 MO LIBOR                                                                     1
253203935                   2/28 6 MO LIBOR                                                                     1
253203946                   2/28 6 MO LIBOR                                                                     2
253204088                   Fixed Rate                                                                          2
253204222                   2/28 6 MO LIBOR                                                                     2
253204300                   2/28 6 MO LIBOR                                                                     1
253204309                   Fixed Rate Balloon                                                                  2
253204427                   Fixed Rate                                                                          1
253204450                   Fixed Rate                                                                          1
253204611                   2/28 6 MO LIBOR                                                                     1
253204715                   3/27 6 MO LIBOR                                                                     3
253204754                   3/27 6 MO LIBOR                                                                     3
253204926                   Fixed Rate                                                                          3
253303578                   2/28 6 MO LIBOR                                                                     2
253303642                   2/28 6 MO LIBOR                                                                     2
253303651                   Fixed Rate                                                                          2
253303652                   2/28 6 MO LIBOR                                                                     2
253303702                   Fixed Rate                                                                          2
253303818                   Fixed Rate                                                                          2
253303846                   2/28 6 MO LIBOR                                                                     1
253303959                   2/28 6 MO LIBOR                                                                     1
253304063                   2/28 6 MO LIBOR                                                                     1
253304133                   2/28 6 MO LIBOR                                                                     1
253304149                   2/28 6 MO LIBOR                                                                     3
253304188                   2/28 6 MO LIBOR                                                                     3
253304194                   2/28 6 MO LIBOR                                                                     3
253304269                   2/28 6 MO LIBOR                                                                     3
253304320                   2/28 6 MO LIBOR                                                                     3
253304423                   2/28 6 MO LIBOR                                                                     3
253304467                   3/27 6 MO LIBOR                                                                     3
253401444                   Fixed Rate                                                                          1
253402434                   3/27 6 MO LIBOR                                                                     2
253402476                   Fixed Rate                                                                          2
253402667                   3/27 6 MO LIBOR                                                                     2
253402773                   2/28 6 MO LIBOR                                                                     1
253402776                   2/28 6 MO LIBOR                                                                     1
253402849                   Fixed Rate                                                                          1
253402855                   2/28 6 MO LIBOR                                                                     1
253402864                   2/28 6 MO LIBOR                                                                     1
253402898                   2/28 6 MO LIBOR                                                                     3
253402905                   2/28 6 MO LIBOR                                                                     3
253402918                   2/28 6 MO LIBOR                                                                     1
253503284                   Fixed Rate Balloon                                                                  2
253503476                   6 MO LIBOR                                                                          1
253503546                   2/28 6 MO LIBOR                                                                     2
253503827                   2/28 6 MO LIBOR                                                                     1
253504024                   2/28 6 MO LIBOR                                                                     1
253504036                   2/28 6 MO LIBOR                                                                     1
253504206                   2/28 6 MO LIBOR                                                                     3
253504251                   2/28 6 MO LIBOR                                                                     3
253603332                   2/28 6 MO LIBOR                                                                     2
253603370                   2/28 6 MO LIBOR                                                                     2
253603384                   2/28 6 MO LIBOR                                                                     2
253603491                   2/28 6 MO LIBOR                                                                     1
253603508                   2/28 6 MO LIBOR                                                                     1
253603544                   2/28 6 MO LIBOR                                                                     1
253603779                   2/28 6 MO LIBOR                                                                     1
253603784                   2/28 6 MO LIBOR                                                                     1
253603811                   2/28 6 MO LIBOR                                                                     1
253603841                   Fixed Rate                                                                          1
253603863                   2/28 6 MO LIBOR                                                                     1
253603871                   Fixed Rate                                                                          1
253603898                   2/28 6 MO LIBOR                                                                     3
253603922                   2/28 6 MO LIBOR                                                                     3
253603965                   2/28 6 MO LIBOR                                                                     3
253603974                   2/28 6 MO LIBOR                                                                     3
253604021                   2/28 6 MO LIBOR                                                                     3
253604091                   2/28 6 MO LIBOR                                                                     3
253604107                   2/28 6 MO LIBOR                                                                     3
253604119                   2/28 6 MO LIBOR                                                                     3
253604151                   2/28 6 MO LIBOR                                                                     3
253704663                   2/28 6 MO LIBOR                                                                     1
253705301                   Fixed Rate                                                                          2
253705354                   Fixed Rate Balloon                                                                  2
253705381                   Fixed Rate Balloon                                                                  2
253705524                   Fixed Rate                                                                          2
253705575                   2/28 6 MO LIBOR                                                                     2
253705590                   Fixed Rate Balloon                                                                  2
253705654                   Fixed Rate                                                                          2
253705672                   6 MO LIBOR                                                                          2
253705708                   2/28 6 MO LIBOR                                                                     1
253705723                   2/28 6 MO LIBOR                                                                     2
253705852                   Fixed Rate Balloon                                                                  2
253705995                   6 MO LIBOR                                                                          3
253706019                   Fixed Rate                                                                          3
253706029                   2/28 6 MO LIBOR                                                                     3
253706043                   2/28 6 MO LIBOR                                                                     1
253706061                   2/28 6 MO LIBOR                                                                     3
253706128                   2/28 6 MO LIBOR                                                                     3
253706130                   2/28 6 MO LIBOR                                                                     1
253706168                   2/28 6 MO LIBOR                                                                     3
253706176                   2/28 6 MO LIBOR                                                                     3
253706254                   2/28 6 MO LIBOR                                                                     3
253706508                   2/28 6 MO LIBOR                                                                     3
253804826                   Fixed Rate                                                                          2
253804859                   Fixed Rate Balloon                                                                  2
253804930                   2/28 6 MO LIBOR                                                                     2
253805045                   Fixed Rate                                                                          2
253805091                   2/28 6 MO LIBOR                                                                     1
253805098                   2/28 6 MO LIBOR                                                                     1
253805116                   2/28 6 MO LIBOR                                                                     1
253805173                   2/28 6 MO LIBOR                                                                     1
253805212                   2/28 6 MO LIBOR                                                                     3
253905227                   Fixed Rate                                                                          2
253905726                   2/28 6 MO LIBOR                                                                     2
253906095                   Fixed Rate                                                                          2
253906159                   2/28 6 MO LIBOR                                                                     1
253906161                   Fixed Rate                                                                          2
253906260                   2/28 6 MO LIBOR                                                                     1
253906311                   2/28 6 MO LIBOR                                                                     1
253906316                   2/28 6 MO LIBOR                                                                     1
254006509                   Fixed Rate                                                                          2
254006566                   2/28 6 MO LIBOR                                                                     2
254006629                   2/28 6 MO LIBOR                                                                     1
254006706                   2/28 6 MO LIBOR                                                                     1
254006813                   2/28 6 MO LIBOR                                                                     3
254006816                   2/28 6 MO LIBOR                                                                     1
254006880                   2/28 6 MO LIBOR                                                                     2
254007034                   2/28 6 MO LIBOR                                                                     2
254007036                   2/28 6 MO LIBOR                                                                     1
254007056                   Fixed Rate                                                                          2
254007107                   2/28 6 MO LIBOR                                                                     1
254007126                   Fixed Rate                                                                          2
254007145                   2/28 6 MO LIBOR                                                                     2
254007182                   2/28 6 MO LIBOR                                                                     1
254007288                   2/28 6 MO LIBOR                                                                     3
254007361                   2/28 6 MO LIBOR                                                                     3
254104528                   2/28 6 MO LIBOR                                                                     1
254106092                   2/28 6 MO LIBOR                                                                     2
254106264                   2/28 6 MO LIBOR                                                                     2
254106344                   2/28 6 MO LIBOR                                                                     2
254106386                   2/28 6 MO LIBOR                                                                     1
254106471                   Fixed Rate                                                                          2
254106543                   2/28 6 MO LIBOR                                                                     1
254106553                   Fixed Rate                                                                          2
254106747                   2/28 6 MO LIBOR                                                                     1
254106759                   2/28 6 MO LIBOR                                                                     1
254106783                   3/27 6 MO LIBOR                                                                     1
254106795                   3/27 6 MO LIBOR                                                                     1
254106817                   2/28 6 MO LIBOR                                                                     1
254106908                   2/28 6 MO LIBOR                                                                     1
254106922                   2/28 6 MO LIBOR                                                                     1
254107001                   2/28 6 MO LIBOR                                                                     3
254107065                   2/28 6 MO LIBOR                                                                     3
254107079                   2/28 6 MO LIBOR                                                                     3
254107085                   2/28 6 MO LIBOR                                                                     3
254205357                   Fixed Rate                                                                          2
254205584                   2/28 6 MO LIBOR                                                                     1
254205672                   2/28 6 MO LIBOR                                                                     3
254205675                   Fixed Rate                                                                          1
254205682                   2/28 6 MO LIBOR                                                                     3
254205714                   2/28 6 MO LIBOR                                                                     3
254205739                   2/28 6 MO LIBOR                                                                     3
254205800                   2/28 6 MO LIBOR                                                                     3
254205977                   2/28 6 MO LIBOR IO                                                                  3
254507692                   2/28 6 MO LIBOR                                                                     2
254507730                   Fixed Rate                                                                          2
254507798                   2/28 6 MO LIBOR                                                                     1
254508591                   2/28 6 MO LIBOR                                                                     2
254508653                   Fixed Rate                                                                          2
254508701                   2/28 6 MO LIBOR                                                                     3
254508741                   2/28 6 MO LIBOR                                                                     1
254508744                   2/28 6 MO LIBOR                                                                     1
254508786                   Fixed Rate                                                                          1
254508819                   2/28 6 MO LIBOR                                                                     1
254508846                   2/28 6 MO LIBOR                                                                     1
254508891                   Fixed Rate Balloon                                                                  2
254508918                   2/28 6 MO LIBOR                                                                     3
254508995                   Fixed Rate                                                                          3
254509008                   2/28 6 MO LIBOR                                                                     1
254509049                   2/28 6 MO LIBOR                                                                     3
254509055                   2/28 6 MO LIBOR                                                                     3
254509109                   2/28 6 MO LIBOR                                                                     3
254509147                   2/28 6 MO LIBOR                                                                     3
254509158                   2/28 6 MO LIBOR                                                                     3
254509195                   Fixed Rate                                                                          3
254509259                   2/28 6 MO LIBOR                                                                     3
254509273                   Fixed Rate                                                                          3
254509306                   2/28 6 MO LIBOR                                                                     3
254607022                   2/28 6 MO LIBOR                                                                     2
254607120                   Fixed Rate                                                                          2
254607148                   2/28 6 MO LIBOR                                                                     2
254607240                   2/28 6 MO LIBOR                                                                     1
254607377                   Fixed Rate                                                                          2
254607394                   2/28 6 MO LIBOR                                                                     1
254607409                   2/28 6 MO LIBOR                                                                     1
254607428                   2/28 6 MO LIBOR                                                                     2
254607440                   Fixed Rate                                                                          2
254607565                   Fixed Rate                                                                          1
254607591                   2/28 6 MO LIBOR                                                                     1
254607636                   Fixed Rate                                                                          1
254607651                   2/28 6 MO LIBOR                                                                     1
254607690                   Fixed Rate                                                                          3
254607705                   2/28 6 MO LIBOR                                                                     3
254706068                   Fixed Rate Balloon                                                                  2
254706292                   Fixed Rate Balloon                                                                  2
254706338                   2/28 6 MO LIBOR                                                                     2
254706413                   2/28 6 MO LIBOR                                                                     1
254706453                   2/28 6 MO LIBOR                                                                     1
254706454                   Fixed Rate                                                                          3
254706506                   2/28 6 MO LIBOR                                                                     1
254706570                   Fixed Rate                                                                          1
254706585                   2/28 6 MO LIBOR                                                                     1
254706601                   2/28 6 MO LIBOR                                                                     1
254706621                   2/28 6 MO LIBOR                                                                     3
254706637                   Fixed Rate                                                                          1
254706648                   2/28 6 MO LIBOR                                                                     3
254706662                   2/28 6 MO LIBOR                                                                     3
254706670                   2/28 6 MO LIBOR                                                                     3
254706754                   2/28 6 MO LIBOR                                                                     3
254706829                   3/27 6 MO LIBOR                                                                     3
254808619                   2/28 6 MO LIBOR                                                                     1
254809462                   2/28 6 MO LIBOR                                                                     1
254809668                   Fixed Rate                                                                          1
254809798                   2/28 6 MO LIBOR                                                                     1
254809813                   Fixed Rate                                                                          1
254809819                   Fixed Rate                                                                          3
254809837                   2/28 6 MO LIBOR                                                                     1
254809841                   Fixed Rate                                                                          1
254809846                   Fixed Rate                                                                          1
254809852                   Fixed Rate                                                                          1
254809869                   Fixed Rate                                                                          1
254809880                   2/28 6 MO LIBOR                                                                     3
254809898                   2/28 6 MO LIBOR                                                                     1
254809930                   2/28 6 MO LIBOR                                                                     1
254809942                   Fixed Rate                                                                          1
254810033                   2/28 6 MO LIBOR                                                                     1
254810038                   Fixed Rate                                                                          1
254810285                   2/28 6 MO LIBOR                                                                     3
254908241                   2/28 6 MO LIBOR                                                                     1
254909984                   2/28 6 MO LIBOR                                                                     1
254910211                   2/28 6 MO LIBOR                                                                     1
254910429                   2/28 6 MO LIBOR                                                                     1
254910432                   Fixed Rate                                                                          2
254910518                   2/28 6 MO LIBOR                                                                     1
254910539                   2/28 6 MO LIBOR                                                                     1
254910557                   Fixed Rate                                                                          1
254910573                   Fixed Rate                                                                          1
254910639                   Fixed Rate                                                                          1
254910655                   2/28 6 MO LIBOR                                                                     3
254910665                   Fixed Rate                                                                          1
254910775                   2/28 6 MO LIBOR                                                                     3
254911050                   2/28 6 MO LIBOR                                                                     3
255001194                   Fixed Rate                                                                          3
255001356                   Fixed Rate                                                                          3
255001363                   Fixed Rate                                                                          3
255001408                   Fixed Rate                                                                          3
255001426                   Fixed Rate                                                                          3
255102719                   Fixed Rate                                                                          3
255103898                   Fixed Rate                                                                          3
255103917                   Fixed Rate                                                                          3
255103988                   Fixed Rate                                                                          3
255302046                   Fixed Rate                                                                          3
255302275                   Fixed Rate                                                                          3
255302284                   Fixed Rate                                                                          3
255302300                   Fixed Rate                                                                          3
255302601                   Fixed Rate                                                                          3
255302749                   Fixed Rate                                                                          3
255316280                   Fixed Rate                                                                          2
255318896                   2/28 6 MO LIBOR                                                                     1
255319032                   2/28 6 MO LIBOR                                                                     1
255319053                   2/28 6 MO LIBOR                                                                     2
255319068                   2/28 6 MO LIBOR                                                                     2
255319090                   2/28 6 MO LIBOR                                                                     1
255319185                   2/28 6 MO LIBOR                                                                     2
255319221                   2/28 6 MO LIBOR                                                                     1
255319294                   2/28 6 MO LIBOR                                                                     2
255319315                   Fixed Rate                                                                          1
255319319                   2/28 6 MO LIBOR                                                                     3
255319328                   Fixed Rate                                                                          1
255319351                   2/28 6 MO LIBOR                                                                     3
255319380                   Fixed Rate                                                                          1
255319402                   2/28 6 MO LIBOR                                                                     1
255319406                   Fixed Rate                                                                          1
255319463                   Fixed Rate                                                                          1
255319590                   2/28 6 MO LIBOR                                                                     3
255401269                   Fixed Rate                                                                          3
255401511                   Fixed Rate                                                                          3
255411430                   Fixed Rate                                                                          1
255412771                   2/28 6 MO LIBOR                                                                     1
255413487                   3/27 6 MO LIBOR                                                                     2
255413576                   Fixed Rate                                                                          1
255413646                   2/28 6 MO LIBOR                                                                     3
255413649                   2/28 6 MO LIBOR                                                                     1
255413717                   2/28 6 MO LIBOR                                                                     1
255413747                   Fixed Rate                                                                          1
255413750                   2/28 6 MO LIBOR                                                                     1
255413752                   2/28 6 MO LIBOR                                                                     3
255413771                   2/28 6 MO LIBOR                                                                     3
255413834                   2/28 6 MO LIBOR                                                                     3
255501729                   Fixed Rate                                                                          3
255501783                   Fixed Rate                                                                          3
255501785                   Fixed Rate                                                                          3
255602113                   Fixed Rate                                                                          3
255602269                   Fixed Rate                                                                          3
255602299                   Fixed Rate                                                                          3
255602590                   Fixed Rate                                                                          3
255615155                   2/28 6 MO LIBOR                                                                     1
255615253                   2/28 6 MO LIBOR                                                                     2
255615409                   Fixed Rate                                                                          2
255615530                   Fixed Rate                                                                          3
255615609                   2/28 6 MO LIBOR                                                                     2
255615611                   Fixed Rate                                                                          1
255615613                   2/28 6 MO LIBOR                                                                     2
255615691                   Fixed Rate                                                                          1
255615694                   2/28 6 MO LIBOR                                                                     1
255615698                   2/28 6 MO LIBOR                                                                     1
255615731                   2/28 6 MO LIBOR                                                                     2
255615747                   2/28 6 MO LIBOR                                                                     3
255615754                   2/28 6 MO LIBOR                                                                     1
255615760                   2/28 6 MO LIBOR                                                                     3
255615770                   2/28 6 MO LIBOR                                                                     3
255615779                   Fixed Rate                                                                          1
255615803                   2/28 6 MO LIBOR                                                                     1
255615812                   2/28 6 MO LIBOR                                                                     3
255615816                   2/28 6 MO LIBOR                                                                     1
255615855                   2/28 6 MO LIBOR                                                                     3
255616068                   2/28 6 MO LIBOR                                                                     3
255616075                   2/28 6 MO LIBOR                                                                     3
255616087                   2/28 6 MO LIBOR                                                                     3
255702407                   Fixed Rate                                                                          3
255702452                   Fixed Rate                                                                          3
255702537                   Fixed Rate                                                                          3
255702611                   Fixed Rate                                                                          3
255714800                   2/28 6 MO LIBOR                                                                     2
255714807                   2/28 6 MO LIBOR                                                                     1
255715031                   2/28 6 MO LIBOR                                                                     1
255715040                   Fixed Rate                                                                          2
255715122                   Fixed Rate                                                                          1
255715130                   2/28 6 MO LIBOR                                                                     3
255715152                   2/28 6 MO LIBOR                                                                     3
255715178                   2/28 6 MO LIBOR                                                                     1
255715202                   2/28 6 MO LIBOR                                                                     1
255715229                   2/28 6 MO LIBOR                                                                     1
255715230                   2/28 6 MO LIBOR                                                                     3
255715248                   2/28 6 MO LIBOR                                                                     3
255715272                   Fixed Rate                                                                          1
255715284                   2/28 6 MO LIBOR                                                                     1
255715292                   2/28 6 MO LIBOR                                                                     3
255715337                   2/28 6 MO LIBOR                                                                     3
255715477                   2/28 6 MO LIBOR                                                                     3
255800655                   Fixed Rate                                                                          3
255800658                   Fixed Rate                                                                          3
255800724                   Fixed Rate                                                                          3
255800728                   Fixed Rate                                                                          3
255800943                   Fixed Rate                                                                          3
255811958                   2/28 6 MO LIBOR                                                                     1
255812457                   Fixed Rate                                                                          3
255812495                   2/28 6 MO LIBOR                                                                     1
255812505                   Fixed Rate                                                                          2
255812979                   Fixed Rate                                                                          2
255813030                   2/28 6 MO LIBOR                                                                     3
255813042                   2/28 6 MO LIBOR                                                                     2
255813107                   2/28 6 MO LIBOR                                                                     2
255813140                   Fixed Rate                                                                          3
255813161                   2/28 6 MO LIBOR                                                                     3
255813184                   2/28 6 MO LIBOR                                                                     2
255813223                   Fixed Rate                                                                          2
255813249                   Fixed Rate                                                                          1
255813261                   Fixed Rate                                                                          1
255813279                   Fixed Rate                                                                          1
255813285                   2/28 6 MO LIBOR                                                                     1
255813321                   2/28 6 MO LIBOR                                                                     1
255813334                   Fixed Rate                                                                          1
255813358                   Fixed Rate                                                                          3
255813465                   2/28 6 MO LIBOR                                                                     3
255813476                   2/28 6 MO LIBOR                                                                     3
255813481                   2/28 6 MO LIBOR                                                                     3
255813503                   2/28 6 MO LIBOR                                                                     3
255900826                   Fixed Rate                                                                          3
255901068                   Fixed Rate                                                                          3
255901133                   Fixed Rate                                                                          3
255901140                   Fixed Rate                                                                          3
255901167                   Fixed Rate                                                                          3
255914085                   Fixed Rate                                                                          2
255914156                   Fixed Rate                                                                          2
255914243                   2/28 6 MO LIBOR                                                                     1
255914340                   Fixed Rate                                                                          1
255914341                   2/28 6 MO LIBOR                                                                     3
255914441                   Fixed Rate                                                                          2
255914486                   3/27 6 MO LIBOR                                                                     1
255914552                   Fixed Rate                                                                          1
255914564                   Fixed Rate                                                                          1
255914574                   2/28 6 MO LIBOR                                                                     3
255914584                   2/28 6 MO LIBOR                                                                     1
255914597                   Fixed Rate                                                                          1
255914794                   2/28 6 MO LIBOR                                                                     3
255914939                   Fixed Rate                                                                          3
255914956                   2/28 6 MO LIBOR                                                                     3
255915082                   Fixed Rate                                                                          3
256100898                   Fixed Rate                                                                          3
256200437                   Fixed Rate                                                                          3
256200521                   Fixed Rate                                                                          3
256200589                   Fixed Rate                                                                          3
256211317                   2/28 6 MO LIBOR                                                                     1
256211764                   Fixed Rate                                                                          2
256211810                   2/28 6 MO LIBOR                                                                     1
256211814                   2/28 6 MO LIBOR                                                                     1
256211853                   2/28 6 MO LIBOR                                                                     1
256211871                   2/28 6 MO LIBOR                                                                     1
256211872                   2/28 6 MO LIBOR                                                                     1
256211881                   Fixed Rate                                                                          1
256211910                   2/28 6 MO LIBOR                                                                     1
256211928                   2/28 6 MO LIBOR                                                                     3
256211929                   2/28 6 MO LIBOR                                                                     1
256212002                   2/28 6 MO LIBOR                                                                     3
256212045                   2/28 6 MO LIBOR                                                                     3
256412685                   2/28 6 MO LIBOR                                                                     2
256412744                   2/28 6 MO LIBOR                                                                     1
256412760                   Fixed Rate Balloon                                                                  2
256412987                   Fixed Rate Balloon                                                                  2
256412998                   2/28 6 MO LIBOR                                                                     1
256413045                   Fixed Rate Balloon                                                                  2
256413110                   2/28 6 MO LIBOR                                                                     2
256413116                   3/27 6 MO LIBOR                                                                     1
256413119                   2/28 6 MO LIBOR                                                                     2
256413141                   Fixed Rate                                                                          2
256413289                   Fixed Rate                                                                          2
256413320                   Fixed Rate Balloon                                                                  2
256413423                   2/28 6 MO LIBOR                                                                     1
256413432                   2/28 6 MO LIBOR                                                                     2
256413511                   Fixed Rate Balloon                                                                  2
256413572                   2/28 6 MO LIBOR                                                                     1
256413603                   Fixed Rate                                                                          1
256413641                   2/28 6 MO LIBOR                                                                     1
256413647                   2/28 6 MO LIBOR                                                                     1
256413667                   2/28 6 MO LIBOR                                                                     3
256413674                   2/28 6 MO LIBOR                                                                     1
256413695                   2/28 6 MO LIBOR                                                                     1
256413707                   2/28 6 MO LIBOR                                                                     1
256413723                   2/28 6 MO LIBOR                                                                     1
256413729                   2/28 6 MO LIBOR                                                                     3
256413799                   2/28 6 MO LIBOR                                                                     3
256607981                   2/28 6 MO LIBOR                                                                     1
256608494                   2/28 6 MO LIBOR                                                                     2
256608530                   3/27 6 MO LIBOR                                                                     1
256608920                   Fixed Rate                                                                          1
256608969                   2/28 6 MO LIBOR                                                                     1
256609149                   3/27 6 MO LIBOR                                                                     1
256609177                   2/28 6 MO LIBOR                                                                     3
256609188                   2/28 6 MO LIBOR                                                                     3
256609300                   2/28 6 MO LIBOR                                                                     3
256609369                   Fixed Rate                                                                          3
256708543                   Fixed Rate                                                                          2
256708572                   2/28 6 MO LIBOR                                                                     1
256708693                   Fixed Rate                                                                          2
256708701                   Fixed Rate                                                                          2
256708710                   2/28 6 MO LIBOR                                                                     2
256708791                   2/28 6 MO LIBOR                                                                     2
256708825                   Fixed Rate Balloon                                                                  2
256708849                   2/28 6 MO LIBOR                                                                     1
256708980                   Fixed Rate Balloon                                                                  2
256709052                   2/28 6 MO LIBOR                                                                     1
256709088                   2/28 6 MO LIBOR                                                                     1
256709142                   2/28 6 MO LIBOR                                                                     1
256709144                   Fixed Rate Balloon                                                                  2
256709199                   2/28 6 MO LIBOR                                                                     3
256709209                   2/28 6 MO LIBOR                                                                     1
256709241                   2/28 6 MO LIBOR                                                                     1
256709282                   2/28 6 MO LIBOR                                                                     3
256807639                   2/28 6 MO LIBOR                                                                     1
256807672                   2/28 6 MO LIBOR                                                                     1
256808025                   2/28 6 MO LIBOR                                                                     2
256907713                   2/28 6 MO LIBOR                                                                     1
256907742                   2/28 6 MO LIBOR                                                                     1
256908010                   2/28 6 MO LIBOR                                                                     1
256908257                   2/28 6 MO LIBOR                                                                     1
256908283                   2/28 6 MO LIBOR                                                                     1
256908353                   2/28 6 MO LIBOR                                                                     1
256908407                   2/28 6 MO LIBOR                                                                     3
257008107                   Fixed Rate                                                                          2
257008154                   Fixed Rate                                                                          2
257008171                   2/28 6 MO LIBOR                                                                     1
257008341                   2/28 6 MO LIBOR                                                                     3
257008455                   2/28 6 MO LIBOR                                                                     2
257008470                   2/28 6 MO LIBOR                                                                     1
257008647                   2/28 6 MO LIBOR                                                                     1
257008681                   2/28 6 MO LIBOR                                                                     3
257008843                   2/28 6 MO LIBOR                                                                     3
257108547                   2/28 6 MO LIBOR                                                                     1
257109253                   2/28 6 MO LIBOR                                                                     2
257109334                   2/28 6 MO LIBOR                                                                     1
257109374                   3/27 6 MO LIBOR                                                                     2
257109530                   2/28 6 MO LIBOR                                                                     1
257109547                   2/28 6 MO LIBOR                                                                     2
257109688                   2/28 6 MO LIBOR                                                                     1
257109755                   2/28 6 MO LIBOR                                                                     1
257109764                   2/28 6 MO LIBOR                                                                     1
257109776                   2/28 6 MO LIBOR                                                                     1
257109794                   2/28 6 MO LIBOR                                                                     3
257109812                   Fixed Rate                                                                          1
257109827                   2/28 6 MO LIBOR                                                                     1
257109858                   2/28 6 MO LIBOR                                                                     3
257109907                   2/28 6 MO LIBOR                                                                     3
257109931                   2/28 6 MO LIBOR                                                                     1
257110246                   2/28 6 MO LIBOR                                                                     3
257110270                   Fixed Rate                                                                          3
257110289                   2/28 6 MO LIBOR                                                                     3
257207431                   2/28 6 MO LIBOR                                                                     1
257207467                   2/28 6 MO LIBOR                                                                     2
257207477                   2/28 6 MO LIBOR                                                                     2
257207558                   2/28 6 MO LIBOR                                                                     1
257207656                   2/28 6 MO LIBOR                                                                     1
257207660                   Fixed Rate                                                                          2
257207676                   2/28 6 MO LIBOR                                                                     1
257207677                   2/28 6 MO LIBOR                                                                     1
257207680                   2/28 6 MO LIBOR                                                                     1
257207691                   2/28 6 MO LIBOR                                                                     3
257207718                   2/28 6 MO LIBOR                                                                     1
257207935                   2/28 6 MO LIBOR                                                                     3
257405457                   Fixed Rate                                                                          2
257405727                   2/28 6 MO LIBOR                                                                     1
257405737                   2/28 6 MO LIBOR                                                                     1
257405767                   2/28 6 MO LIBOR                                                                     1
257405778                   Fixed Rate                                                                          1
257405802                   Fixed Rate                                                                          1
257405808                   2/28 6 MO LIBOR                                                                     1
257405847                   2/28 6 MO LIBOR                                                                     1
257405853                   2/28 6 MO LIBOR                                                                     3
257405903                   2/28 6 MO LIBOR                                                                     3
257405931                   3/27 6 MO LIBOR                                                                     3
257506048                   2/28 6 MO LIBOR                                                                     1
257506093                   2/28 6 MO LIBOR                                                                     1
257506287                   3/27 6 MO LIBOR                                                                     1
257506334                   2/28 6 MO LIBOR                                                                     2
257506451                   2/28 6 MO LIBOR                                                                     1
257506585                   3/27 6 MO LIBOR                                                                     2
257506597                   2/28 6 MO LIBOR                                                                     1
257506650                   2/28 6 MO LIBOR                                                                     1
257506662                   Fixed Rate                                                                          2
257506686                   Fixed Rate                                                                          1
257506743                   2/28 6 MO LIBOR                                                                     1
257506831                   Fixed Rate                                                                          1
257506852                   2/28 6 MO LIBOR                                                                     1
257506888                   2/28 6 MO LIBOR                                                                     1
257506934                   2/28 6 MO LIBOR                                                                     1
257506952                   2/28 6 MO LIBOR                                                                     3
257506964                   2/28 6 MO LIBOR                                                                     1
257507000                   2/28 6 MO LIBOR                                                                     1
257507023                   Fixed Rate                                                                          1
257507042                   2/28 6 MO LIBOR                                                                     1
257507102                   2/28 6 MO LIBOR                                                                     3
257507106                   2/28 6 MO LIBOR                                                                     3
257507129                   2/28 6 MO LIBOR                                                                     3
257507154                   2/28 6 MO LIBOR                                                                     3
257507169                   2/28 6 MO LIBOR                                                                     3
257507495                   2/28 6 MO LIBOR                                                                     3
257606435                   Fixed Rate                                                                          1
257606745                   Fixed Rate                                                                          2
257606832                   2/28 6 MO LIBOR                                                                     3
257606979                   2/28 6 MO LIBOR                                                                     1
257607220                   2/28 6 MO LIBOR                                                                     3
257702853                   2/28 6 MO LIBOR                                                                     2
257702975                   2/28 6 MO LIBOR                                                                     2
257702985                   2/28 6 MO LIBOR                                                                     2
257703004                   2/28 6 MO LIBOR                                                                     1
257703021                   2/28 6 MO LIBOR                                                                     2
257703024                   Fixed Rate                                                                          2
257703090                   2/28 6 MO LIBOR                                                                     2
257703178                   Fixed Rate Balloon                                                                  2
257703183                   2/28 6 MO LIBOR                                                                     2
257703217                   Fixed Rate                                                                          3
257703267                   2/28 6 MO LIBOR                                                                     1
257703287                   2/28 6 MO LIBOR                                                                     1
257703307                   2/28 6 MO LIBOR                                                                     1
257703317                   Fixed Rate Balloon                                                                  2
257703343                   2/28 6 MO LIBOR                                                                     1
257703358                   2/28 6 MO LIBOR                                                                     3
257703359                   2/28 6 MO LIBOR                                                                     1
257703373                   2/28 6 MO LIBOR                                                                     3
257703428                   2/28 6 MO LIBOR                                                                     3
257804265                   Fixed Rate                                                                          2
257804376                   Fixed Rate                                                                          2
257804498                   2/28 6 MO LIBOR                                                                     2
257804577                   2/28 6 MO LIBOR                                                                     1
257804597                   Fixed Rate                                                                          2
257804663                   Fixed Rate                                                                          2
257804693                   Fixed Rate                                                                          2
257804739                   2/28 6 MO LIBOR                                                                     1
257804800                   6 MO LIBOR                                                                          1
257804877                   2/28 6 MO LIBOR                                                                     1
257804886                   2/28 6 MO LIBOR                                                                     1
257804912                   2/28 6 MO LIBOR                                                                     1
257804916                   2/28 6 MO LIBOR                                                                     1
257804931                   2/28 6 MO LIBOR                                                                     1
257804986                   2/28 6 MO LIBOR                                                                     3
257805007                   2/28 6 MO LIBOR                                                                     1
257805018                   2/28 6 MO LIBOR                                                                     3
257805081                   2/28 6 MO LIBOR                                                                     3
257805098                   2/28 6 MO LIBOR                                                                     3
257805126                   2/28 6 MO LIBOR                                                                     3
257805148                   2/28 6 MO LIBOR                                                                     3
257805161                   2/28 6 MO LIBOR                                                                     3
257805282                   Fixed Rate                                                                          3
257805344                   2/28 6 MO LIBOR                                                                     3
257805364                   Fixed Rate                                                                          3
257902953                   2/28 6 MO LIBOR                                                                     1
257903486                   Fixed Rate                                                                          2
257903626                   Fixed Rate                                                                          2
257903698                   2/28 6 MO LIBOR                                                                     2
257903826                   2/28 6 MO LIBOR                                                                     1
257903852                   2/28 6 MO LIBOR                                                                     1
257903872                   Fixed Rate                                                                          3
257903924                   2/28 6 MO LIBOR                                                                     3
257903993                   3/27 6 MO LIBOR                                                                     3
257904015                   2/28 6 MO LIBOR                                                                     3
258000175                   3/27 6 MO LIBOR IO                                                                  2
258000199                   2/28 6 MO LIBOR                                                                     2
258000208                   2/28 6 MO LIBOR IO                                                                  2
258000212                   2/28 6 MO LIBOR IO                                                                  2
258000214                   3/27 6 MO LIBOR IO                                                                  2
258000219                   Fixed Rate Balloon                                                                  2
258000225                   2/28 6 MO LIBOR                                                                     1
258000227                   3/27 6 MO LIBOR IO                                                                  1
258000243                   Fixed Rate                                                                          3
258100378                   2/28 6 MO LIBOR                                                                     3
258100389                   2/28 6 MO LIBOR                                                                     3
258100563                   Fixed Rate                                                                          3
258113822                   2/28 6 MO LIBOR                                                                     1
258114653                   5/25 1 YR LIBOR                                                                     3
258200365                   Fixed Rate                                                                          3
258200574                   Fixed Rate                                                                          3
258215001                   2/28 6 MO LIBOR                                                                     2
258215246                   Fixed Rate                                                                          2
258215331                   Fixed Rate                                                                          2
258215341                   2/28 6 MO LIBOR                                                                     2
258215488                   2/28 6 MO LIBOR                                                                     1
258215531                   2/28 6 MO LIBOR                                                                     1
258215555                   2/28 6 MO LIBOR                                                                     1
258215602                   2/28 6 MO LIBOR                                                                     1
258215625                   2/28 6 MO LIBOR                                                                     3
258215646                   3/27 6 MO LIBOR                                                                     1
258215669                   2/28 6 MO LIBOR                                                                     1
258215682                   2/28 6 MO LIBOR                                                                     3
258215765                   2/28 6 MO LIBOR                                                                     1
258215794                   2/28 6 MO LIBOR                                                                     3
258215815                   Fixed Rate                                                                          3
258216114                   Fixed Rate                                                                          3
258216131                   2/28 6 MO LIBOR                                                                     3
258216142                   Fixed Rate                                                                          3
258303218                   Fixed Rate                                                                          1
258304239                   2/28 6 MO LIBOR                                                                     1
258304756                   2/28 6 MO LIBOR                                                                     1
258304905                   Fixed Rate                                                                          2
258304940                   2/28 6 MO LIBOR                                                                     1
258304973                   Fixed Rate Balloon                                                                  2
258305149                   2/28 6 MO LIBOR                                                                     1
258305208                   2/28 6 MO LIBOR                                                                     2
258305211                   Fixed Rate                                                                          1
258305237                   2/28 6 MO LIBOR                                                                     1
258305288                   Fixed Rate                                                                          1
258305293                   6 MO LIBOR                                                                          1
258305305                   2/28 6 MO LIBOR                                                                     1
258305322                   2/28 6 MO LIBOR                                                                     3
258305335                   2/28 6 MO LIBOR                                                                     1
258305336                   2/28 6 MO LIBOR                                                                     1
258305360                   2/28 6 MO LIBOR                                                                     1
258305361                   2/28 6 MO LIBOR                                                                     1
258305387                   2/28 6 MO LIBOR                                                                     1
258305404                   2/28 6 MO LIBOR                                                                     1
258305407                   2/28 6 MO LIBOR                                                                     1
258305434                   2/28 6 MO LIBOR                                                                     1
258305460                   2/28 6 MO LIBOR                                                                     3
258305524                   2/28 6 MO LIBOR                                                                     1
258305596                   Fixed Rate                                                                          3
258305714                   2/28 6 MO LIBOR                                                                     3
258305788                   2/28 6 MO LIBOR                                                                     3
258415703                   2/28 6 MO LIBOR                                                                     1
258415854                   2/28 6 MO LIBOR                                                                     1
258415863                   2/28 6 MO LIBOR                                                                     2
258415935                   2/28 6 MO LIBOR                                                                     1
258415991                   2/28 6 MO LIBOR                                                                     2
258416115                   2/28 6 MO LIBOR                                                                     2
258416194                   2/28 6 MO LIBOR                                                                     2
258416204                   2/28 6 MO LIBOR                                                                     1
258416225                   2/28 6 MO LIBOR                                                                     2
258416237                   Fixed Rate                                                                          2
258416263                   2/28 6 MO LIBOR                                                                     1
258416339                   2/28 6 MO LIBOR                                                                     1
258416342                   Fixed Rate                                                                          2
258416361                   Fixed Rate                                                                          2
258416490                   2/28 6 MO LIBOR                                                                     1
258416525                   2/28 6 MO LIBOR                                                                     1
258416535                   2/28 6 MO LIBOR                                                                     1
258416536                   2/28 6 MO LIBOR                                                                     2
258416551                   3/27 6 MO LIBOR                                                                     3
258416558                   2/28 6 MO LIBOR                                                                     1
258416692                   2/28 6 MO LIBOR                                                                     3
258416728                   2/28 6 MO LIBOR                                                                     3
258416742                   Fixed Rate                                                                          2
258416746                   2/28 6 MO LIBOR                                                                     3
258416789                   2/28 6 MO LIBOR                                                                     3
258416796                   2/28 6 MO LIBOR                                                                     1
258416816                   2/28 6 MO LIBOR                                                                     1
258416897                   2/28 6 MO LIBOR                                                                     3
258416950                   2/28 6 MO LIBOR                                                                     3
258416952                   2/28 6 MO LIBOR                                                                     3
258416973                   2/28 6 MO LIBOR                                                                     3
258417033                   2/28 6 MO LIBOR                                                                     3
258417039                   2/28 6 MO LIBOR                                                                     3
258417160                   2/28 6 MO LIBOR                                                                     3
258500923                   Fixed Rate                                                                          3
258501098                   Fixed Rate                                                                          3
258501145                   Fixed Rate                                                                          3
258501284                   Fixed Rate                                                                          3
258501457                   2/28 6 MO LIBOR                                                                     3
258517250                   2/28 6 MO LIBOR                                                                     1
258517266                   2/28 6 MO LIBOR                                                                     2
258517358                   2/28 6 MO LIBOR                                                                     2
258517363                   Fixed Rate                                                                          2
258517523                   2/28 6 MO LIBOR                                                                     1
258517538                   2/28 6 MO LIBOR                                                                     2
258517555                   2/28 6 MO LIBOR                                                                     1
258517568                   2/28 6 MO LIBOR                                                                     3
258517600                   2/28 6 MO LIBOR                                                                     3
258517635                   2/28 6 MO LIBOR                                                                     1
258517668                   2/28 6 MO LIBOR                                                                     3
258517681                   2/28 6 MO LIBOR                                                                     3
258517693                   2/28 6 MO LIBOR                                                                     3
258517727                   Fixed Rate                                                                          3
258517748                   2/28 6 MO LIBOR                                                                     3
258517888                   2/28 6 MO LIBOR                                                                     3
258609029                   Fixed Rate                                                                          2
258609034                   Fixed Rate                                                                          2
258609060                   2/28 6 MO LIBOR                                                                     2
258609330                   Fixed Rate                                                                          2
258609443                   2/28 6 MO LIBOR                                                                     1
258609502                   Fixed Rate                                                                          2
258609514                   2/28 6 MO LIBOR                                                                     1
258609530                   2/28 6 MO LIBOR                                                                     1
258609551                   2/28 6 MO LIBOR                                                                     1
258609559                   2/28 6 MO LIBOR                                                                     1
258609570                   3/27 6 MO LIBOR                                                                     1
258609595                   2/28 6 MO LIBOR                                                                     1
258609596                   2/28 6 MO LIBOR                                                                     3
258609600                   6 MO LIBOR                                                                          1
258609604                   2/28 6 MO LIBOR                                                                     1
258609625                   2/28 6 MO LIBOR                                                                     3
258609661                   2/28 6 MO LIBOR                                                                     3
258609696                   2/28 6 MO LIBOR                                                                     3
258609726                   2/28 6 MO LIBOR                                                                     3
258609765                   2/28 6 MO LIBOR                                                                     3
258609784                   2/28 6 MO LIBOR                                                                     3
258609833                   2/28 6 MO LIBOR                                                                     3
258609907                   2/28 6 MO LIBOR                                                                     3
258710619                   5/25 1 YR LIBOR                                                                     2
258710976                   5/25 1 YR LIBOR                                                                     3
258711010                   5/25 1 YR LIBOR                                                                     3
258711030                   5/25 1 YR LIBOR                                                                     3
258800906                   2/28 6 MO LIBOR                                                                     3
258815332                   2/28 6 MO LIBOR                                                                     2
258815480                   2/28 6 MO LIBOR                                                                     1
258815684                   2/28 6 MO LIBOR                                                                     1
258815924                   3/27 6 MO LIBOR                                                                     1
258816025                   2/28 6 MO LIBOR                                                                     2
258816131                   2/28 6 MO LIBOR                                                                     1
258816132                   2/28 6 MO LIBOR                                                                     1
258816157                   Fixed Rate                                                                          1
258816261                   Fixed Rate                                                                          1
258816274                   2/28 6 MO LIBOR                                                                     1
258816358                   Fixed Rate                                                                          1
258816415                   2/28 6 MO LIBOR                                                                     1
258816446                   2/28 6 MO LIBOR                                                                     3
258816468                   Fixed Rate                                                                          1
258816473                   2/28 6 MO LIBOR                                                                     3
258816479                   2/28 6 MO LIBOR                                                                     3
258816480                   2/28 6 MO LIBOR                                                                     3
258816510                   2/28 6 MO LIBOR                                                                     3
258816549                   3/27 6 MO LIBOR                                                                     3
258816564                   2/28 6 MO LIBOR                                                                     3
258816586                   Fixed Rate                                                                          3
258816612                   2/28 6 MO LIBOR                                                                     3
258816742                   2/28 6 MO LIBOR                                                                     3
258900157                   Fixed Rate                                                                          3
258913648                   Fixed Rate                                                                          2
258913975                   2/28 6 MO LIBOR                                                                     1
258914663                   2/28 6 MO LIBOR                                                                     2
258914721                   2/28 6 MO LIBOR                                                                     1
258914763                   Fixed Rate                                                                          2
258914785                   Fixed Rate                                                                          2
258914846                   2/28 6 MO LIBOR                                                                     1
258914932                   2/28 6 MO LIBOR                                                                     2
258914941                   Fixed Rate                                                                          1
258914975                   Fixed Rate                                                                          1
258914990                   2/28 6 MO LIBOR                                                                     3
258915062                   2/28 6 MO LIBOR                                                                     1
258915070                   Fixed Rate                                                                          1
258915089                   2/28 6 MO LIBOR                                                                     1
258915143                   2/28 6 MO LIBOR                                                                     1
258915146                   2/28 6 MO LIBOR                                                                     1
258915160                   Fixed Rate                                                                          1
258915191                   2/28 6 MO LIBOR                                                                     3
258915205                   2/28 6 MO LIBOR                                                                     3
258915243                   2/28 6 MO LIBOR                                                                     3
258915244                   2/28 6 MO LIBOR                                                                     3
258915286                   2/28 6 MO LIBOR                                                                     3
259006548                   Fixed Rate Balloon                                                                  3
259007489                   2/28 6 MO LIBOR                                                                     1
259007838                   Fixed Rate Balloon                                                                  2
259007845                   2/28 6 MO LIBOR                                                                     2
259007857                   2/28 6 MO LIBOR                                                                     2
259007863                   Fixed Rate                                                                          2
259007873                   2/28 6 MO LIBOR                                                                     2
259007884                   2/28 6 MO LIBOR                                                                     2
259007895                   2/28 6 MO LIBOR                                                                     2
259007896                   2/28 6 MO LIBOR                                                                     2
259007904                   2/28 6 MO LIBOR                                                                     2
259007914                   2/28 6 MO LIBOR                                                                     2
259007919                   2/28 6 MO LIBOR                                                                     2
259007946                   2/28 6 MO LIBOR                                                                     2
259007966                   2/28 6 MO LIBOR                                                                     2
259007972                   2/28 6 MO LIBOR                                                                     2
259007978                   2/28 6 MO LIBOR                                                                     2
259007983                   Fixed Rate                                                                          2
259007988                   2/28 6 MO LIBOR                                                                     2
259007992                   Fixed Rate                                                                          2
259008003                   2/28 6 MO LIBOR                                                                     2
259008020                   2/28 6 MO LIBOR                                                                     2
259008025                   2/28 6 MO LIBOR                                                                     2
259008031                   2/28 6 MO LIBOR                                                                     2
259008034                   2/28 6 MO LIBOR                                                                     2
259008036                   2/28 6 MO LIBOR                                                                     2
259008041                   3/27 6 MO LIBOR                                                                     2
259008064                   2/28 6 MO LIBOR                                                                     3
259008067                   Fixed Rate                                                                          3
259008077                   2/28 6 MO LIBOR IO                                                                  1
259008080                   2/28 6 MO LIBOR                                                                     1
259008098                   Fixed Rate Balloon                                                                  3
259008101                   2/28 6 MO LIBOR                                                                     1
259008122                   2/28 6 MO LIBOR                                                                     1
259008127                   3/27 6 MO LIBOR                                                                     3
259008140                   3/27 6 MO LIBOR                                                                     3
259008143                   3/27 6 MO LIBOR                                                                     3
259008144                   3/27 6 MO LIBOR                                                                     3
259008165                   3/27 6 MO LIBOR                                                                     3
259008188                   2/28 6 MO LIBOR                                                                     3
259008190                   2/28 6 MO LIBOR                                                                     3
259008192                   2/28 6 MO LIBOR                                                                     3
259008195                   Fixed Rate                                                                          3
259008196                   2/28 6 MO LIBOR                                                                     3
259008200                   3/27 6 MO LIBOR                                                                     3
259008207                   3/27 6 MO LIBOR                                                                     3
259008245                   2/28 6 MO LIBOR                                                                     3
259008247                   2/28 6 MO LIBOR                                                                     3
259008264                   3/27 6 MO LIBOR                                                                     3
259008266                   3/27 6 MO LIBOR                                                                     3
259008285                   2/28 6 MO LIBOR                                                                     3
259008286                   2/28 6 MO LIBOR                                                                     3
259008300                   2/28 6 MO LIBOR                                                                     3
259008302                   Fixed Rate                                                                          3
259008303                   2/28 6 MO LIBOR                                                                     3
259008310                   2/28 6 MO LIBOR                                                                     3
259008316                   2/28 6 MO LIBOR                                                                     3
259008326                   2/28 6 MO LIBOR                                                                     3
259008328                   2/28 6 MO LIBOR                                                                     3
259008355                   Fixed Rate                                                                          3
259008361                   Fixed Rate Balloon                                                                  3
259008372                   Fixed Rate Balloon                                                                  3
259008374                   Fixed Rate                                                                          3
259008388                   Fixed Rate                                                                          3
259008400                   2/28 6 MO LIBOR                                                                     3
259008402                   Fixed Rate                                                                          3
259008413                   Fixed Rate                                                                          3
259008415                   2/28 6 MO LIBOR                                                                     3
259105881                   Fixed Rate                                                                          2
259106090                   2/28 6 MO LIBOR                                                                     1
259106127                   Fixed Rate                                                                          2
259106379                   Fixed Rate                                                                          2
259106404                   2/28 6 MO LIBOR                                                                     2
259106423                   2/28 6 MO LIBOR                                                                     2
259106451                   2/28 6 MO LIBOR                                                                     2
259106480                   Fixed Rate                                                                          2
259106499                   2/28 6 MO LIBOR                                                                     2
259106502                   2/28 6 MO LIBOR                                                                     2
259106520                   Fixed Rate                                                                          2
259106527                   Fixed Rate                                                                          2
259106534                   2/28 6 MO LIBOR                                                                     2
259106538                   2/28 6 MO LIBOR                                                                     2
259106562                   Fixed Rate                                                                          2
259106566                   Fixed Rate                                                                          2
259106569                   Fixed Rate                                                                          2
259106570                   2/28 6 MO LIBOR                                                                     2
259106582                   2/28 6 MO LIBOR                                                                     2
259106589                   Fixed Rate                                                                          2
259106608                   Fixed Rate                                                                          2
259106611                   Fixed Rate                                                                          2
259106617                   Fixed Rate                                                                          2
259106618                   Fixed Rate                                                                          2
259106622                   Fixed Rate                                                                          2
259106634                   Fixed Rate                                                                          2
259106645                   Fixed Rate                                                                          2
259106649                   Fixed Rate                                                                          2
259106666                   Fixed Rate                                                                          3
259106671                   2/28 6 MO LIBOR                                                                     2
259106676                   Fixed Rate                                                                          2
259106689                   2/28 6 MO LIBOR                                                                     2
259106691                   3/27 6 MO LIBOR                                                                     1
259106702                   2/28 6 MO LIBOR                                                                     2
259106704                   Fixed Rate                                                                          2
259106705                   Fixed Rate                                                                          2
259106707                   Fixed Rate                                                                          2
259106712                   2/28 6 MO LIBOR                                                                     2
259106719                   Fixed Rate                                                                          2
259106721                   2/28 6 MO LIBOR                                                                     2
259106725                   Fixed Rate                                                                          2
259106730                   Fixed Rate                                                                          2
259106733                   2/28 6 MO LIBOR                                                                     2
259106743                   2/28 6 MO LIBOR                                                                     2
259106745                   Fixed Rate                                                                          2
259106747                   Fixed Rate                                                                          2
259106760                   Fixed Rate                                                                          2
259106771                   Fixed Rate                                                                          2
259106773                   Fixed Rate                                                                          2
259106781                   Fixed Rate                                                                          2
259106783                   Fixed Rate                                                                          2
259106791                   Fixed Rate                                                                          2
259106801                   Fixed Rate                                                                          2
259106804                   Fixed Rate                                                                          2
259106815                   Fixed Rate                                                                          2
259106817                   2/28 6 MO LIBOR                                                                     2
259106819                   Fixed Rate                                                                          2
259106838                   2/28 6 MO LIBOR                                                                     2
259106839                   2/28 6 MO LIBOR                                                                     2
259106843                   2/28 6 MO LIBOR                                                                     2
259106857                   Fixed Rate                                                                          2
259106871                   Fixed Rate                                                                          2
259106878                   Fixed Rate                                                                          2
259106882                   Fixed Rate                                                                          2
259106906                   2/28 6 MO LIBOR                                                                     2
259106907                   Fixed Rate                                                                          2
259106913                   2/28 6 MO LIBOR                                                                     2
259106914                   Fixed Rate                                                                          2
259106925                   Fixed Rate                                                                          2
259106933                   Fixed Rate                                                                          2
259106942                   Fixed Rate                                                                          2
259106945                   Fixed Rate                                                                          2
259106951                   Fixed Rate                                                                          2
259106954                   Fixed Rate                                                                          2
259106958                   Fixed Rate                                                                          2
259106963                   2/28 6 MO LIBOR                                                                     2
259106965                   Fixed Rate                                                                          2
259106971                   Fixed Rate                                                                          2
259106991                   2/28 6 MO LIBOR                                                                     2
259107002                   Fixed Rate                                                                          2
259107015                   Fixed Rate                                                                          2
259107018                   2/28 6 MO LIBOR                                                                     2
259107037                   2/28 6 MO LIBOR                                                                     1
259107041                   Fixed Rate                                                                          2
259107048                   2/28 6 MO LIBOR                                                                     2
259107049                   Fixed Rate                                                                          2
259107052                   2/28 6 MO LIBOR                                                                     2
259107054                   2/28 6 MO LIBOR                                                                     2
259107055                   Fixed Rate                                                                          2
259107056                   Fixed Rate                                                                          2
259107058                   Fixed Rate                                                                          2
259107065                   Fixed Rate                                                                          2
259107066                   Fixed Rate                                                                          2
259107067                   Fixed Rate                                                                          2
259107077                   2/28 6 MO LIBOR                                                                     1
259107080                   Fixed Rate                                                                          2
259107107                   2/28 6 MO LIBOR                                                                     1
259107117                   2/28 6 MO LIBOR                                                                     2
259107119                   2/28 6 MO LIBOR                                                                     2
259107123                   Fixed Rate                                                                          2
259107127                   Fixed Rate                                                                          3
259107128                   2/28 6 MO LIBOR                                                                     3
259107133                   Fixed Rate                                                                          2
259107135                   Fixed Rate                                                                          3
259107143                   2/28 6 MO LIBOR                                                                     1
259107148                   Fixed Rate                                                                          2
259107154                   2/28 6 MO LIBOR                                                                     1
259107168                   2/28 6 MO LIBOR                                                                     1
259107170                   2/28 6 MO LIBOR                                                                     2
259107172                   Fixed Rate                                                                          2
259107181                   Fixed Rate                                                                          2
259107188                   2/28 6 MO LIBOR                                                                     1
259107201                   2/28 6 MO LIBOR                                                                     1
259107211                   2/28 6 MO LIBOR                                                                     1
259107220                   2/28 6 MO LIBOR                                                                     1
259107224                   2/28 6 MO LIBOR                                                                     2
259107228                   2/28 6 MO LIBOR                                                                     1
259107229                   Fixed Rate                                                                          3
259107236                   2/28 6 MO LIBOR                                                                     1
259107240                   2/28 6 MO LIBOR                                                                     1
259107244                   Fixed Rate                                                                          2
259107254                   2/28 6 MO LIBOR                                                                     2
259107260                   2/28 6 MO LIBOR                                                                     1
259107270                   2/28 6 MO LIBOR                                                                     1
259107274                   Fixed Rate                                                                          3
259107277                   Fixed Rate                                                                          3
259107286                   Fixed Rate                                                                          3
259107297                   2/28 6 MO LIBOR                                                                     1
259107298                   2/28 6 MO LIBOR                                                                     1
259107299                   2/28 6 MO LIBOR                                                                     3
259107307                   2/28 6 MO LIBOR                                                                     1
259107311                   2/28 6 MO LIBOR                                                                     1
259107315                   2/28 6 MO LIBOR                                                                     1
259107316                   2/28 6 MO LIBOR                                                                     1
259107323                   2/28 6 MO LIBOR                                                                     1
259107325                   Fixed Rate                                                                          3
259107326                   2/28 6 MO LIBOR                                                                     1
259107329                   2/28 6 MO LIBOR                                                                     1
259107337                   2/28 6 MO LIBOR                                                                     1
259107350                   Fixed Rate                                                                          1
259107367                   Fixed Rate                                                                          3
259107369                   Fixed Rate                                                                          3
259107371                   Fixed Rate                                                                          3
259107377                   Fixed Rate                                                                          3
259107381                   Fixed Rate                                                                          3
259107389                   Fixed Rate                                                                          3
259107401                   2/28 6 MO LIBOR                                                                     3
259107422                   Fixed Rate                                                                          3
259107426                   Fixed Rate                                                                          3
259107429                   Fixed Rate                                                                          3
259107456                   Fixed Rate                                                                          3
259107493                   Fixed Rate                                                                          3
259107499                   Fixed Rate                                                                          3
259107517                   2/28 6 MO LIBOR                                                                     3
259107527                   2/28 6 MO LIBOR                                                                     3
259107529                   Fixed Rate                                                                          3
259107551                   Fixed Rate                                                                          3
259107555                   2/28 6 MO LIBOR                                                                     3
259107559                   Fixed Rate                                                                          3
259107570                   Fixed Rate                                                                          3
259107583                   Fixed Rate                                                                          3
259107614                   Fixed Rate                                                                          3
259107615                   2/28 6 MO LIBOR                                                                     3
259107616                   Fixed Rate                                                                          3
259107680                   2/28 6 MO LIBOR                                                                     3
259107683                   Fixed Rate                                                                          3
259107757                   Fixed Rate                                                                          3
259212447                   2/28 6 MO LIBOR                                                                     2
259212448                   Fixed Rate                                                                          2
259212825                   2/28 6 MO LIBOR                                                                     2
259212936                   Fixed Rate                                                                          2
259213040                   Fixed Rate                                                                          2
259213076                   Fixed Rate Balloon                                                                  2
259213117                   2/28 6 MO LIBOR                                                                     1
259213304                   2/28 6 MO LIBOR                                                                     3
259213314                   Fixed Rate                                                                          2
259213391                   Fixed Rate                                                                          2
259213430                   2/28 6 MO LIBOR                                                                     1
259213515                   Fixed Rate                                                                          2
259213520                   Fixed Rate                                                                          1
259213557                   2/28 6 MO LIBOR                                                                     1
259213633                   2/28 6 MO LIBOR                                                                     3
259213635                   2/28 6 MO LIBOR                                                                     3
259213637                   2/28 6 MO LIBOR                                                                     1
259213667                   2/28 6 MO LIBOR                                                                     3
259213722                   2/28 6 MO LIBOR                                                                     1
259213749                   2/28 6 MO LIBOR                                                                     3
259213792                   2/28 6 MO LIBOR                                                                     3
259213833                   2/28 6 MO LIBOR                                                                     3
259213847                   2/28 6 MO LIBOR                                                                     3
259213849                   2/28 6 MO LIBOR                                                                     3
259214007                   2/28 6 MO LIBOR                                                                     3
259214018                   2/28 6 MO LIBOR                                                                     3
259408543                   2/28 6 MO LIBOR                                                                     1
259408651                   2/28 6 MO LIBOR                                                                     1
259408657                   2/28 6 MO LIBOR                                                                     1
259408664                   6 MO LIBOR                                                                          1
259408804                   2/28 6 MO LIBOR                                                                     1
259408819                   2/28 6 MO LIBOR                                                                     2
259408872                   2/28 6 MO LIBOR                                                                     2
259408876                   2/28 6 MO LIBOR                                                                     2
259408892                   2/28 6 MO LIBOR                                                                     2
259408902                   Fixed Rate                                                                          2
259408906                   Fixed Rate                                                                          1
259408972                   2/28 6 MO LIBOR                                                                     2
259409012                   2/28 6 MO LIBOR                                                                     2
259409074                   2/28 6 MO LIBOR                                                                     1
259409122                   Fixed Rate                                                                          1
259409135                   Fixed Rate                                                                          1
259409155                   3/27 6 MO LIBOR                                                                     1
259409170                   Fixed Rate                                                                          2
259409227                   Fixed Rate                                                                          1
259409249                   2/28 6 MO LIBOR                                                                     1
259409289                   2/28 6 MO LIBOR                                                                     1
259409340                   Fixed Rate                                                                          1
259409362                   2/28 6 MO LIBOR                                                                     1
259409376                   Fixed Rate                                                                          1
259409386                   Fixed Rate                                                                          1
259409437                   2/28 6 MO LIBOR                                                                     1
259409445                   2/28 6 MO LIBOR                                                                     1
259409459                   Fixed Rate                                                                          1
259409554                   2/28 6 MO LIBOR                                                                     3
259409613                   3/27 6 MO LIBOR                                                                     3
259500098                   2/28 6 MO LIBOR                                                                     3
259500110                   2/28 6 MO LIBOR                                                                     3
259500122                   2/28 6 MO LIBOR                                                                     3
259500145                   2/28 6 MO LIBOR                                                                     3
259500161                   2/28 6 MO LIBOR                                                                     3
259500220                   2/28 6 MO LIBOR                                                                     3
259500259                   Fixed Rate                                                                          3
259609675                   Fixed Rate                                                                          2
259609981                   2/28 6 MO LIBOR                                                                     2
259610046                   2/28 6 MO LIBOR                                                                     1
259610152                   2/28 6 MO LIBOR                                                                     1
259610191                   2/28 6 MO LIBOR                                                                     2
259610227                   2/28 6 MO LIBOR                                                                     1
259610330                   2/28 6 MO LIBOR                                                                     1
259610473                   Fixed Rate                                                                          3
259610505                   2/28 6 MO LIBOR                                                                     3
259610514                   2/28 6 MO LIBOR                                                                     3
259610537                   2/28 6 MO LIBOR                                                                     3
259610586                   2/28 6 MO LIBOR                                                                     3
259610631                   2/28 6 MO LIBOR                                                                     3
259610719                   2/28 6 MO LIBOR                                                                     3
259700061                   2/28 6 MO LIBOR                                                                     2
259700066                   2/28 6 MO LIBOR                                                                     2
259700067                   2/28 6 MO LIBOR                                                                     2
259700071                   Fixed Rate                                                                          2
259700073                   2/28 6 MO LIBOR                                                                     2
259700076                   Fixed Rate                                                                          2
259700084                   2/28 6 MO LIBOR                                                                     2
259700086                   2/28 6 MO LIBOR                                                                     2
259700090                   2/28 6 MO LIBOR                                                                     2
259700092                   2/28 6 MO LIBOR                                                                     2
259700093                   2/28 6 MO LIBOR                                                                     2
259700094                   2/28 6 MO LIBOR                                                                     2
259700096                   2/28 6 MO LIBOR                                                                     2
259700098                   2/28 6 MO LIBOR                                                                     2
259900386                   Fixed Rate                                                                          3
259900814                   2/28 6 MO LIBOR                                                                     3
259917041                   2/28 6 MO LIBOR                                                                     2
259917530                   3/27 6 MO LIBOR IO                                                                  2
259917534                   2/28 6 MO LIBOR                                                                     2
259917556                   Fixed Rate                                                                          2
259917562                   3/27 6 MO LIBOR                                                                     2
259917602                   2/28 6 MO LIBOR                                                                     2
259917604                   2/28 6 MO LIBOR                                                                     2
259917617                   2/28 6 MO LIBOR                                                                     2
259917620                   2/28 6 MO LIBOR                                                                     2
259917626                   2/28 6 MO LIBOR                                                                     2
259917628                   2/28 6 MO LIBOR                                                                     2
259917629                   2/28 6 MO LIBOR                                                                     2
259917632                   2/28 6 MO LIBOR                                                                     2
259917634                   2/28 6 MO LIBOR                                                                     2
259917635                   2/28 6 MO LIBOR                                                                     2
259917640                   2/28 6 MO LIBOR                                                                     2
259917649                   2/28 6 MO LIBOR                                                                     2
259917664                   Fixed Rate                                                                          2
259917668                   3/27 6 MO LIBOR                                                                     2
259917680                   2/28 6 MO LIBOR                                                                     2
259917693                   2/28 6 MO LIBOR IO                                                                  2
259917696                   2/28 6 MO LIBOR                                                                     2
259917712                   Fixed Rate                                                                          2
259917720                   2/28 6 MO LIBOR                                                                     2
259917723                   2/28 6 MO LIBOR                                                                     2
259917728                   2/28 6 MO LIBOR                                                                     2
259917734                   2/28 6 MO LIBOR                                                                     2
259917738                   2/28 6 MO LIBOR                                                                     2
259917739                   2/28 6 MO LIBOR                                                                     2
259917741                   2/28 6 MO LIBOR                                                                     2
259917744                   2/28 6 MO LIBOR                                                                     2
259917751                   2/28 6 MO LIBOR                                                                     2
259917784                   Fixed Rate                                                                          2
259917787                   2/28 6 MO LIBOR                                                                     2
259917798                   2/28 6 MO LIBOR                                                                     2
259917802                   2/28 6 MO LIBOR                                                                     1
259917809                   3/27 6 MO LIBOR                                                                     1
259917824                   2/28 6 MO LIBOR                                                                     1
259917826                   2/28 6 MO LIBOR                                                                     1
259917832                   2/28 6 MO LIBOR                                                                     3
259917844                   2/28 6 MO LIBOR                                                                     3
259917847                   2/28 6 MO LIBOR                                                                     3
259917857                   2/28 6 MO LIBOR                                                                     3
259917868                   2/28 6 MO LIBOR                                                                     3
259917874                   Fixed Rate                                                                          3
259917881                   2/28 6 MO LIBOR                                                                     3
259917883                   2/28 6 MO LIBOR                                                                     3
259917887                   2/28 6 MO LIBOR                                                                     3
259917888                   2/28 6 MO LIBOR                                                                     3
259917889                   2/28 6 MO LIBOR                                                                     3
259917893                   2/28 6 MO LIBOR                                                                     3
259917894                   2/28 6 MO LIBOR                                                                     3
259917896                   2/28 6 MO LIBOR                                                                     3
259917901                   2/28 6 MO LIBOR                                                                     3
259917915                   2/28 6 MO LIBOR                                                                     3
259917933                   2/28 6 MO LIBOR                                                                     3
259917953                   2/28 6 MO LIBOR                                                                     3
259917962                   2/28 6 MO LIBOR                                                                     3
259917966                   2/28 6 MO LIBOR                                                                     3
259917974                   Fixed Rate Balloon                                                                  3
259917981                   Fixed Rate Balloon                                                                  3
259918007                   Fixed Rate                                                                          3
259918019                   Fixed Rate Balloon                                                                  3
259918024                   2/28 6 MO LIBOR                                                                     3
259918058                   Fixed Rate Balloon                                                                  3
259918069                   Fixed Rate Balloon                                                                  3
281200190                   2/28 6 MO LIBOR                                                                     1
281200237                   Fixed Rate                                                                          2
281200238                   Fixed Rate Balloon                                                                  2
281200257                   Fixed Rate                                                                          1
281200277                   3/27 6 MO LIBOR                                                                     1
281200289                   3/27 6 MO LIBOR                                                                     1
281200292                   2/28 6 MO LIBOR                                                                     3
281200308                   2/28 6 MO LIBOR                                                                     3
281200319                   2/28 6 MO LIBOR                                                                     3
281200378                   2/28 6 MO LIBOR                                                                     3
281200428                   2/28 6 MO LIBOR                                                                     3
281200549                   2/28 6 MO LIBOR                                                                     3
281300034                   2/28 6 MO LIBOR                                                                     2
281300062                   Fixed Rate                                                                          2
281300077                   2/28 6 MO LIBOR                                                                     1
281300143                   2/28 6 MO LIBOR                                                                     2
281300169                   Fixed Rate                                                                          2
281300200                   2/28 6 MO LIBOR                                                                     1
281300217                   Fixed Rate Balloon                                                                  2
281300227                   Fixed Rate Balloon                                                                  2
281300230                   2/28 6 MO LIBOR                                                                     1
281300268                   2/28 6 MO LIBOR                                                                     1
281300274                   2/28 6 MO LIBOR                                                                     1
281300300                   2/28 6 MO LIBOR                                                                     1
281300305                   2/28 6 MO LIBOR                                                                     1
281300328                   Fixed Rate                                                                          1
281300331                   Fixed Rate                                                                          3
281300380                   2/28 6 MO LIBOR                                                                     3
281300478                   2/28 6 MO LIBOR                                                                     3
281300492                   2/28 6 MO LIBOR                                                                     3
281400081                   2/28 6 MO LIBOR                                                                     3
281400133                   2/28 6 MO LIBOR                                                                     3
281500019                   2/28 6 MO LIBOR                                                                     1
281500027                   2/28 6 MO LIBOR                                                                     1
281500068                   2/28 6 MO LIBOR                                                                     1
281800087                   2/28 6 MO LIBOR                                                                     2
281800176                   2/28 6 MO LIBOR                                                                     2
281800353                   2/28 6 MO LIBOR                                                                     1
281800354                   2/28 6 MO LIBOR                                                                     1
281800367                   2/28 6 MO LIBOR                                                                     1
281800383                   Fixed Rate                                                                          3
281800392                   2/28 6 MO LIBOR                                                                     3
281800401                   2/28 6 MO LIBOR                                                                     3
281800443                   2/28 6 MO LIBOR                                                                     3
281800445                   2/28 6 MO LIBOR                                                                     3
281800580                   2/28 6 MO LIBOR                                                                     3
281900035                   2/28 6 MO LIBOR                                                                     1
281900132                   2/28 6 MO LIBOR                                                                     2
281900200                   2/28 6 MO LIBOR                                                                     3
281900251                   2/28 6 MO LIBOR                                                                     1
281900290                   2/28 6 MO LIBOR                                                                     1
281900361                   2/28 6 MO LIBOR                                                                     3
282600002                   Fixed Rate                                                                          1
282600008                   Fixed Rate                                                                          2
282600023                   2/28 6 MO LIBOR                                                                     1
282600064                   2/28 6 MO LIBOR                                                                     3
282700059                   2/28 6 MO LIBOR IO                                                                  3
282800004                   3/27 6 MO LIBOR                                                                     2
282800009                   2/28 6 MO LIBOR                                                                     3
282800025                   2/28 6 MO LIBOR                                                                     3
283401462                   Fixed Rate                                                                          2
283401724                   Fixed Rate                                                                          2
283401939                   Fixed Rate                                                                          2
283402128                   Fixed Rate                                                                          2
283402140                   Fixed Rate                                                                          2
283402279                   2/28 6 MO LIBOR                                                                     3
283402342                   2/28 6 MO LIBOR                                                                     1
283402367                   Fixed Rate                                                                          1
283402551                   2/28 6 MO LIBOR                                                                     3
283402575                   2/28 6 MO LIBOR                                                                     3
283402661                   2/28 6 MO LIBOR                                                                     3
283600897                   2/28 6 MO LIBOR                                                                     1
283601293                   2/28 6 MO LIBOR                                                                     1
283601348                   2/28 6 MO LIBOR                                                                     1
283601429                   Fixed Rate Balloon                                                                  2
283601518                   2/28 6 MO LIBOR                                                                     2
283601549                   2/28 6 MO LIBOR                                                                     3
283601638                   2/28 6 MO LIBOR                                                                     3
283601745                   2/28 6 MO LIBOR                                                                     3
283601865                   2/28 6 MO LIBOR                                                                     3
283902061                   2/28 6 MO LIBOR                                                                     2
283902084                   2/28 6 MO LIBOR                                                                     2
283902124                   2/28 6 MO LIBOR                                                                     2
283902291                   2/28 6 MO LIBOR                                                                     2
283902466                   Fixed Rate                                                                          1
283902515                   2/28 6 MO LIBOR                                                                     1
283902583                   2/28 6 MO LIBOR                                                                     1
283902609                   2/28 6 MO LIBOR                                                                     1
283902653                   2/28 6 MO LIBOR                                                                     1
283902656                   3/27 6 MO LIBOR                                                                     3
283902670                   2/28 6 MO LIBOR                                                                     1
283902694                   2/28 6 MO LIBOR                                                                     1
283902737                   2/28 6 MO LIBOR                                                                     1
283902746                   2/28 6 MO LIBOR                                                                     3
283902829                   2/28 6 MO LIBOR                                                                     3
284104740                   Fixed Rate                                                                          2
284104897                   2/28 6 MO LIBOR                                                                     2
284105032                   2/28 6 MO LIBOR                                                                     1
284105082                   Fixed Rate                                                                          3
284105086                   2/28 6 MO LIBOR                                                                     3
284105138                   2/28 6 MO LIBOR                                                                     3
284105210                   2/28 6 MO LIBOR                                                                     3
284105257                   2/28 6 MO LIBOR                                                                     3
284105265                   2/28 6 MO LIBOR                                                                     3
284105321                   Fixed Rate                                                                          3
284205609                   2/28 6 MO LIBOR                                                                     1
284205709                   2/28 6 MO LIBOR                                                                     2
284205860                   2/28 6 MO LIBOR                                                                     1
284206030                   2/28 6 MO LIBOR                                                                     1
284206036                   2/28 6 MO LIBOR                                                                     2
284206066                   2/28 6 MO LIBOR                                                                     2
284206090                   Fixed Rate                                                                          2
284206279                   Fixed Rate Balloon                                                                  2
284206286                   2/28 6 MO LIBOR                                                                     3
284206305                   2/28 6 MO LIBOR                                                                     3
284206339                   2/28 6 MO LIBOR                                                                     3
284206364                   2/28 6 MO LIBOR                                                                     3
284206455                   2/28 6 MO LIBOR                                                                     3
284305934                   2/28 6 MO LIBOR                                                                     1
284306009                   Fixed Rate                                                                          2
284306136                   Fixed Rate                                                                          2
284306139                   2/28 6 MO LIBOR                                                                     2
284306219                   2/28 6 MO LIBOR                                                                     1
284306235                   Fixed Rate                                                                          2
284306292                   Fixed Rate                                                                          2
284306373                   2/28 6 MO LIBOR                                                                     2
284306407                   2/28 6 MO LIBOR                                                                     2
284306544                   Fixed Rate                                                                          2
284306607                   2/28 6 MO LIBOR                                                                     2
284306642                   2/28 6 MO LIBOR                                                                     1
284306735                   2/28 6 MO LIBOR                                                                     1
284306818                   2/28 6 MO LIBOR                                                                     3
284306829                   Fixed Rate                                                                          1
284306909                   2/28 6 MO LIBOR                                                                     3
284306964                   2/28 6 MO LIBOR                                                                     3
284307036                   2/28 6 MO LIBOR                                                                     3
284307097                   2/28 6 MO LIBOR                                                                     3
284406476                   2/28 6 MO LIBOR                                                                     1
284406520                   Fixed Rate                                                                          2
284406789                   2/28 6 MO LIBOR                                                                     2
284407070                   2/28 6 MO LIBOR                                                                     1
284407093                   2/28 6 MO LIBOR                                                                     1
284407360                   2/28 6 MO LIBOR                                                                     1
284407600                   Fixed Rate                                                                          3
284506491                   Fixed Rate Balloon                                                                  2
284506589                   2/28 6 MO LIBOR                                                                     1
284506665                   2/28 6 MO LIBOR                                                                     1
284506685                   6 MO LIBOR                                                                          1
284506764                   6 MO LIBOR                                                                          1
284506771                   2/28 6 MO LIBOR                                                                     1
284506774                   2/28 6 MO LIBOR                                                                     1
284506828                   3/27 6 MO LIBOR                                                                     1
284506835                   Fixed Rate Balloon                                                                  2
284506853                   2/28 6 MO LIBOR                                                                     1
284602622                   2/28 6 MO LIBOR                                                                     2
284602630                   2/28 6 MO LIBOR                                                                     2
284602731                   2/28 6 MO LIBOR                                                                     1
284602742                   2/28 6 MO LIBOR                                                                     1
284602744                   2/28 6 MO LIBOR                                                                     3
284602902                   2/28 6 MO LIBOR IO                                                                  3
284602920                   2/28 6 MO LIBOR                                                                     1
284602954                   Fixed Rate                                                                          3
284704809                   Fixed Rate                                                                          2
284705215                   Fixed Rate                                                                          2
284705736                   2/28 6 MO LIBOR                                                                     1
284705767                   Fixed Rate                                                                          2
284705823                   2/28 6 MO LIBOR                                                                     1
284705909                   2/28 6 MO LIBOR                                                                     2
284705918                   2/28 6 MO LIBOR                                                                     2
284706042                   Fixed Rate                                                                          2
284706080                   2/28 6 MO LIBOR                                                                     2
284706112                   2/28 6 MO LIBOR                                                                     1
284706153                   Fixed Rate                                                                          2
284706187                   2/28 6 MO LIBOR                                                                     2
284706197                   2/28 6 MO LIBOR                                                                     1
284706205                   2/28 6 MO LIBOR                                                                     1
284706250                   Fixed Rate                                                                          2
284706289                   2/28 6 MO LIBOR                                                                     1
284706293                   2/28 6 MO LIBOR                                                                     1
284706322                   2/28 6 MO LIBOR                                                                     3
284706434                   2/28 6 MO LIBOR                                                                     3
284706552                   2/28 6 MO LIBOR                                                                     3
284806125                   Fixed Rate                                                                          2
284806154                   2/28 6 MO LIBOR                                                                     2
284806221                   2/28 6 MO LIBOR                                                                     2
284806245                   2/28 6 MO LIBOR                                                                     1
284806313                   Fixed Rate                                                                          2
284806543                   Fixed Rate                                                                          2
284806565                   2/28 6 MO LIBOR                                                                     1
284806578                   2/28 6 MO LIBOR                                                                     1
284806624                   2/28 6 MO LIBOR                                                                     1
284806635                   2/28 6 MO LIBOR                                                                     1
284904952                   2/28 6 MO LIBOR                                                                     2
284905181                   Fixed Rate                                                                          2
284905276                   2/28 6 MO LIBOR                                                                     2
284905288                   Fixed Rate                                                                          2
284905353                   Fixed Rate                                                                          2
284905364                   Fixed Rate                                                                          2
284905394                   2/28 6 MO LIBOR                                                                     1
284905468                   Fixed Rate                                                                          2
284905507                   Fixed Rate                                                                          2
284905623                   2/28 6 MO LIBOR                                                                     1
284905673                   2/28 6 MO LIBOR                                                                     2
284905724                   Fixed Rate                                                                          1
284905742                   2/28 6 MO LIBOR                                                                     1
284905873                   2/28 6 MO LIBOR                                                                     1
284905893                   2/28 6 MO LIBOR                                                                     1
284905909                   2/28 6 MO LIBOR                                                                     3
284905963                   2/28 6 MO LIBOR                                                                     1
284905982                   2/28 6 MO LIBOR                                                                     3
284906001                   2/28 6 MO LIBOR                                                                     3
284906014                   2/28 6 MO LIBOR                                                                     1
285003265                   2/28 6 MO LIBOR                                                                     1
285003307                   Fixed Rate                                                                          2
285003516                   2/28 6 MO LIBOR                                                                     2
285003621                   Fixed Rate                                                                          2
285003650                   Fixed Rate                                                                          2
285003766                   Fixed Rate                                                                          2
285003926                   2/28 6 MO LIBOR                                                                     3
285004030                   2/28 6 MO LIBOR                                                                     1
285004040                   2/28 6 MO LIBOR                                                                     1
285004048                   2/28 6 MO LIBOR                                                                     1
285004073                   2/28 6 MO LIBOR                                                                     1
285004115                   2/28 6 MO LIBOR                                                                     1
285004143                   2/28 6 MO LIBOR                                                                     3
285004148                   2/28 6 MO LIBOR                                                                     3
285103893                   3/27 6 MO LIBOR                                                                     1
285103951                   2/28 6 MO LIBOR                                                                     1
285104265                   2/28 6 MO LIBOR                                                                     1
285104449                   2/28 6 MO LIBOR                                                                     1
285104457                   2/28 6 MO LIBOR                                                                     1
285104458                   3/27 6 MO LIBOR                                                                     3
285104481                   2/28 6 MO LIBOR                                                                     1
285104658                   2/28 6 MO LIBOR                                                                     3
285203028                   2/28 6 MO LIBOR                                                                     2
285203197                   2/28 6 MO LIBOR                                                                     2
285203342                   2/28 6 MO LIBOR                                                                     2
285203440                   2/28 6 MO LIBOR                                                                     2
285203455                   Fixed Rate                                                                          2
285203683                   2/28 6 MO LIBOR                                                                     1
285203685                   2/28 6 MO LIBOR                                                                     3
285203689                   2/28 6 MO LIBOR                                                                     1
285203737                   2/28 6 MO LIBOR                                                                     3
285203783                   2/28 6 MO LIBOR                                                                     1
285203813                   2/28 6 MO LIBOR                                                                     3
285203830                   2/28 6 MO LIBOR                                                                     1
285203902                   2/28 6 MO LIBOR                                                                     3
285302635                   2/28 6 MO LIBOR                                                                     1
285302726                   2/28 6 MO LIBOR                                                                     2
285302773                   2/28 6 MO LIBOR                                                                     2
285302829                   Fixed Rate Balloon                                                                  2
285302833                   Fixed Rate Balloon                                                                  2
285302940                   2/28 6 MO LIBOR                                                                     2
285302956                   2/28 6 MO LIBOR                                                                     1
285303183                   2/28 6 MO LIBOR                                                                     1
285303203                   2/28 6 MO LIBOR                                                                     3
285303207                   2/28 6 MO LIBOR                                                                     3
285303271                   2/28 6 MO LIBOR                                                                     3
285401621                   Fixed Rate                                                                          2
285402029                   2/28 6 MO LIBOR                                                                     2
285402055                   2/28 6 MO LIBOR                                                                     1
285402145                   2/28 6 MO LIBOR                                                                     1
285402192                   Fixed Rate Balloon                                                                  2
285402359                   2/28 6 MO LIBOR                                                                     2
285402387                   2/28 6 MO LIBOR                                                                     2
285402453                   2/28 6 MO LIBOR                                                                     1
285402507                   2/28 6 MO LIBOR                                                                     3
285402516                   Fixed Rate                                                                          2
285402541                   2/28 6 MO LIBOR                                                                     2
285402557                   2/28 6 MO LIBOR                                                                     1
285402631                   Fixed Rate                                                                          2
285402687                   2/28 6 MO LIBOR                                                                     3
285402712                   Fixed Rate Balloon                                                                  2
285402810                   2/28 6 MO LIBOR                                                                     1
285402934                   2/28 6 MO LIBOR                                                                     3
285402964                   2/28 6 MO LIBOR                                                                     1
285703119                   Fixed Rate                                                                          2
285703530                   Fixed Rate                                                                          2
285703563                   Fixed Rate                                                                          1
285703766                   2/28 6 MO LIBOR                                                                     3
285703853                   2/28 6 MO LIBOR                                                                     3
285703952                   2/28 6 MO LIBOR                                                                     3
285703968                   Fixed Rate                                                                          3
285800784                   Fixed Rate                                                                          2
285900867                   2/28 6 MO LIBOR                                                                     1
285901043                   2/28 6 MO LIBOR                                                                     2
285901127                   2/28 6 MO LIBOR                                                                     2
285901181                   Fixed Rate                                                                          2
285901192                   2/28 6 MO LIBOR                                                                     1
285901263                   2/28 6 MO LIBOR                                                                     1
285901276                   2/28 6 MO LIBOR                                                                     3
285901324                   2/28 6 MO LIBOR                                                                     1
285901333                   2/28 6 MO LIBOR                                                                     1
285901347                   2/28 6 MO LIBOR                                                                     1
285901358                   2/28 6 MO LIBOR                                                                     3
285901410                   2/28 6 MO LIBOR                                                                     3
285901425                   2/28 6 MO LIBOR                                                                     3
285901426                   3/27 6 MO LIBOR                                                                     3
286001212                   2/28 6 MO LIBOR                                                                     2
286001282                   2/28 6 MO LIBOR                                                                     2
286001418                   2/28 6 MO LIBOR                                                                     2
286001419                   2/28 6 MO LIBOR                                                                     2
286001479                   2/28 6 MO LIBOR                                                                     2
286001666                   2/28 6 MO LIBOR                                                                     1
286001708                   2/28 6 MO LIBOR                                                                     1
286001732                   2/28 6 MO LIBOR                                                                     1
286001754                   2/28 6 MO LIBOR                                                                     1
286001762                   2/28 6 MO LIBOR                                                                     1
286001770                   2/28 6 MO LIBOR                                                                     3
286001793                   2/28 6 MO LIBOR                                                                     3
286001794                   2/28 6 MO LIBOR                                                                     1
286001864                   2/28 6 MO LIBOR                                                                     3
286001875                   3/27 6 MO LIBOR                                                                     3
286002057                   2/28 6 MO LIBOR                                                                     3
286101284                   2/28 6 MO LIBOR                                                                     2
286101365                   2/28 6 MO LIBOR                                                                     2
286102093                   5/25 1 YR LIBOR                                                                     3
286400004                   2/28 6 MO LIBOR                                                                     2
286400016                   2/28 6 MO LIBOR                                                                     3
286400022                   2/28 6 MO LIBOR IO                                                                  3
286400032                   2/28 6 MO LIBOR IO                                                                  3
286400034                   2/28 6 MO LIBOR                                                                     3
286400039                   2/28 6 MO LIBOR IO                                                                  3
286400058                   Fixed Rate                                                                          3
286400062                   2/28 6 MO LIBOR                                                                     3
286400067                   Fixed Rate Balloon                                                                  3
286400069                   Fixed Rate                                                                          3
286600001                   2/28 6 MO LIBOR                                                                     2
286600005                   2/28 6 MO LIBOR IO                                                                  2
286600008                   2/28 6 MO LIBOR IO                                                                  2
286600012                   2/28 6 MO LIBOR IO                                                                  2
286600015                   Fixed Rate                                                                          2
286600017                   2/28 6 MO LIBOR IO                                                                  2
286600020                   2/28 6 MO LIBOR                                                                     2
286600025                   3/27 6 MO LIBOR                                                                     2
286600026                   Fixed Rate                                                                          2
286600027                   2/28 6 MO LIBOR                                                                     2
286600030                   2/28 6 MO LIBOR IO                                                                  2
286600039                   2/28 6 MO LIBOR IO                                                                  2
286600040                   Fixed Rate                                                                          2
286600041                   2/28 6 MO LIBOR                                                                     2
286600043                   Fixed Rate Balloon                                                                  2
286600047                   Fixed Rate                                                                          2
286600048                   Fixed Rate                                                                          2
286600056                   Fixed Rate Balloon                                                                  2
286600057                   Fixed Rate                                                                          2
286600065                   Fixed Rate                                                                          2
286600067                   3/27 6 MO LIBOR IO                                                                  2
286600070                   2/28 6 MO LIBOR IO                                                                  2
286600072                   2/28 6 MO LIBOR IO                                                                  2
286600073                   2/28 6 MO LIBOR                                                                     2
286600075                   2/28 6 MO LIBOR                                                                     2
286600076                   3/27 6 MO LIBOR IO                                                                  2
286600079                   3/27 6 MO LIBOR IO                                                                  2
286600085                   3/27 6 MO LIBOR                                                                     2
286600089                   3/27 6 MO LIBOR IO                                                                  2
286600093                   Fixed Rate                                                                          2
286600094                   Fixed Rate                                                                          2
286600098                   Fixed Rate                                                                          2
286600100                   3/27 6 MO LIBOR IO                                                                  1
286600101                   2/28 6 MO LIBOR                                                                     1
286600103                   2/28 6 MO LIBOR                                                                     2
286600109                   3/27 6 MO LIBOR IO                                                                  3
286600117                   2/28 6 MO LIBOR IO                                                                  3
286600126                   2/28 6 MO LIBOR                                                                     3
286600131                   2/28 6 MO LIBOR                                                                     3
286600133                   3/27 6 MO LIBOR IO                                                                  3
286600140                   2/28 6 MO LIBOR IO                                                                  3
286600145                   2/28 6 MO LIBOR IO                                                                  3
286600147                   2/28 6 MO LIBOR IO                                                                  3
286600152                   3/27 6 MO LIBOR IO                                                                  3
286600154                   Fixed Rate                                                                          3
286600159                   3/27 6 MO LIBOR IO                                                                  3
286600164                   2/28 6 MO LIBOR IO                                                                  3
286600166                   2/28 6 MO LIBOR                                                                     3
286600168                   2/28 6 MO LIBOR                                                                     3
286600173                   2/28 6 MO LIBOR IO                                                                  3
286600174                   3/27 6 MO LIBOR                                                                     3
286600176                   2/28 6 MO LIBOR                                                                     3
286600179                   2/28 6 MO LIBOR IO                                                                  3
286600180                   2/28 6 MO LIBOR                                                                     3
286600184                   Fixed Rate                                                                          3
286600185                   Fixed Rate                                                                          3
286600188                   2/28 6 MO LIBOR                                                                     3
286600233                   3/27 6 MO LIBOR                                                                     3
286600239                   3/27 6 MO LIBOR                                                                     3
286600244                   Fixed Rate                                                                          3
286600248                   Fixed Rate                                                                          3
286600252                   3/27 6 MO LIBOR                                                                     3
286600254                   Fixed Rate                                                                          3
286600260                   Fixed Rate Balloon                                                                  3
286700019                   3/27 6 MO LIBOR                                                                     3
286700035                   2/28 6 MO LIBOR                                                                     1
286700062                   2/28 6 MO LIBOR                                                                     1
286700137                   3/27 6 MO LIBOR                                                                     1
286700154                   3/27 6 MO LIBOR                                                                     3
286700162                   Fixed Rate                                                                          1
286700190                   2/28 6 MO LIBOR                                                                     3
286700271                   2/28 6 MO LIBOR                                                                     3
286902648                   2/28 6 MO LIBOR                                                                     1
286902733                   2/28 6 MO LIBOR                                                                     1
286902788                   2/28 6 MO LIBOR                                                                     2
286902833                   2/28 6 MO LIBOR                                                                     1
286902850                   Fixed Rate                                                                          2
286902889                   Fixed Rate                                                                          2
286902926                   2/28 6 MO LIBOR                                                                     2
286902959                   Fixed Rate                                                                          2
286902979                   2/28 6 MO LIBOR                                                                     1
286903022                   Fixed Rate                                                                          2
286903128                   2/28 6 MO LIBOR                                                                     1
286903133                   2/28 6 MO LIBOR                                                                     2
286903152                   2/28 6 MO LIBOR                                                                     1
286903198                   2/28 6 MO LIBOR                                                                     1
286903219                   2/28 6 MO LIBOR                                                                     1
286903223                   2/28 6 MO LIBOR                                                                     1
286903236                   Fixed Rate                                                                          1
286903272                   2/28 6 MO LIBOR                                                                     3
286903282                   2/28 6 MO LIBOR                                                                     1
286903313                   Fixed Rate                                                                          1
286903314                   Fixed Rate                                                                          1
286903326                   2/28 6 MO LIBOR                                                                     3
286903329                   Fixed Rate                                                                          1
286903332                   2/28 6 MO LIBOR                                                                     1
286903339                   3/27 6 MO LIBOR                                                                     1
286903356                   2/28 6 MO LIBOR                                                                     3
286903357                   2/28 6 MO LIBOR                                                                     1
286903371                   3/27 6 MO LIBOR                                                                     3
286903389                   2/28 6 MO LIBOR                                                                     3
286903390                   Fixed Rate                                                                          3
286903408                   2/28 6 MO LIBOR                                                                     3
286903419                   2/28 6 MO LIBOR                                                                     1
286903427                   2/28 6 MO LIBOR                                                                     3
286903442                   2/28 6 MO LIBOR                                                                     1
286903481                   3/27 6 MO LIBOR                                                                     3
286903557                   2/28 6 MO LIBOR                                                                     3
286903597                   2/28 6 MO LIBOR                                                                     3
286903832                   Fixed Rate                                                                          3
287200651                   2/28 6 MO LIBOR                                                                     2
287200652                   2/28 6 MO LIBOR                                                                     2
287200669                   2/28 6 MO LIBOR IO                                                                  2
287200674                   2/28 6 MO LIBOR                                                                     2
287200685                   6 MO LIBOR                                                                          2
287200690                   2/28 6 MO LIBOR IO                                                                  2
287200704                   2/28 6 MO LIBOR                                                                     2
287200710                   2/28 6 MO LIBOR                                                                     3
287200749                   2/28 6 MO LIBOR                                                                     3
287200754                   2/28 6 MO LIBOR                                                                     3
287200771                   2/28 6 MO LIBOR                                                                     3
287200792                   2/28 6 MO LIBOR                                                                     3
287200793                   2/28 6 MO LIBOR IO                                                                  3
287200805                   Fixed Rate                                                                          3
287301104                   3/27 6 MO LIBOR                                                                     2
287301181                   2/28 6 MO LIBOR IO                                                                  2
287301194                   2/28 6 MO LIBOR                                                                     3
287301202                   2/28 6 MO LIBOR IO                                                                  2
287301214                   2/28 6 MO LIBOR IO                                                                  2
287301216                   3/27 6 MO LIBOR IO                                                                  2
287301233                   3/27 6 MO LIBOR                                                                     2
287301234                   3/27 6 MO LIBOR                                                                     2
287301252                   2/28 6 MO LIBOR IO                                                                  3
287301303                   Fixed Rate                                                                          3
287301334                   Fixed Rate Balloon                                                                  3
287301338                   2/28 6 MO LIBOR IO                                                                  3
287301340                   2/28 6 MO LIBOR IO                                                                  3
287301342                   2/28 6 MO LIBOR IO                                                                  3
287301347                   2/28 6 MO LIBOR IO                                                                  3
287301351                   2/28 6 MO LIBOR IO                                                                  3
287301419                   Fixed Rate Balloon                                                                  3
287500713                   Fixed Rate                                                                          2
287500873                   3/27 6 MO LIBOR                                                                     2
287500884                   3/27 6 MO LIBOR IO                                                                  2
287500903                   3/27 6 MO LIBOR                                                                     2
287500904                   2/28 6 MO LIBOR                                                                     2
287500911                   3/27 6 MO LIBOR                                                                     2
287500921                   3/27 6 MO LIBOR                                                                     2
287500923                   3/27 6 MO LIBOR                                                                     2
287500998                   3/27 6 MO LIBOR IO                                                                  2
287501016                   2/28 6 MO LIBOR                                                                     2
287501018                   3/27 6 MO LIBOR                                                                     2
287501027                   3/27 6 MO LIBOR                                                                     2
287501029                   3/27 6 MO LIBOR IO                                                                  2
287501062                   Fixed Rate                                                                          2
287501070                   3/27 6 MO LIBOR                                                                     2
287501073                   3/27 6 MO LIBOR                                                                     3
287501075                   3/27 6 MO LIBOR                                                                     2
287501083                   2/28 6 MO LIBOR                                                                     1
287501108                   Fixed Rate                                                                          3
287501109                   3/27 6 MO LIBOR                                                                     1
287501124                   3/27 6 MO LIBOR IO                                                                  3
287501128                   3/27 6 MO LIBOR                                                                     3
287501138                   3/27 6 MO LIBOR                                                                     3
287501160                   3/27 6 MO LIBOR IO                                                                  3
287501173                   Fixed Rate                                                                          3
287501220                   Fixed Rate                                                                          3
287501233                   2/28 6 MO LIBOR IO                                                                  3
287501273                   3/27 6 MO LIBOR                                                                     3
287501274                   Fixed Rate                                                                          3
287501278                   Fixed Rate Balloon                                                                  3
287501294                   Fixed Rate                                                                          3
287501321                   3/27 6 MO LIBOR                                                                     3
287600879                   3/27 6 MO LIBOR                                                                     1
287600896                   2/28 6 MO LIBOR                                                                     2
287601055                   Fixed Rate                                                                          2
287601064                   3/27 6 MO LIBOR                                                                     2
287601117                   Fixed Rate                                                                          2
287601134                   3/27 6 MO LIBOR                                                                     2
287601150                   2/28 6 MO LIBOR                                                                     2
287601161                   2/28 6 MO LIBOR                                                                     2
287601178                   3/27 6 MO LIBOR                                                                     2
287601197                   3/27 6 MO LIBOR                                                                     2
287601210                   Fixed Rate                                                                          2
287601226                   Fixed Rate                                                                          2
287601229                   2/28 6 MO LIBOR                                                                     3
287601231                   Fixed Rate                                                                          3
287601254                   Fixed Rate                                                                          3
287601270                   3/27 6 MO LIBOR                                                                     3
287601282                   3/27 6 MO LIBOR                                                                     3
287601290                   3/27 6 MO LIBOR                                                                     3
287601314                   2/28 6 MO LIBOR                                                                     3
287601321                   3/27 6 MO LIBOR                                                                     3
287601334                   2/28 6 MO LIBOR                                                                     3
287601348                   2/28 6 MO LIBOR                                                                     3
287601377                   3/27 6 MO LIBOR                                                                     3
287601379                   2/28 6 MO LIBOR                                                                     3
287601380                   Fixed Rate                                                                          3
287601385                   Fixed Rate Balloon                                                                  3
287700479                   Fixed Rate                                                                          2
287700487                   2/28 6 MO LIBOR                                                                     2
287700545                   3/27 6 MO LIBOR                                                                     2
287700580                   3/27 6 MO LIBOR                                                                     3
287700582                   Fixed Rate                                                                          2
287700588                   3/27 6 MO LIBOR                                                                     2
287700596                   3/27 6 MO LIBOR                                                                     2
287700598                   Fixed Rate                                                                          3
287700614                   2/28 6 MO LIBOR                                                                     2
287700622                   Fixed Rate                                                                          2
287700629                   Fixed Rate                                                                          2
287700665                   3/27 6 MO LIBOR                                                                     2
287700676                   Fixed Rate                                                                          2
287700691                   3/27 6 MO LIBOR                                                                     2
287700696                   Fixed Rate                                                                          3
287700702                   2/28 6 MO LIBOR                                                                     2
287700737                   3/27 6 MO LIBOR                                                                     1
287700742                   Fixed Rate Balloon                                                                  3
287700746                   Fixed Rate                                                                          3
287700754                   3/27 6 MO LIBOR                                                                     3
287700772                   3/27 6 MO LIBOR                                                                     1
287700781                   3/27 6 MO LIBOR                                                                     3
287700819                   3/27 6 MO LIBOR                                                                     3
287700822                   Fixed Rate                                                                          3
287700827                   3/27 6 MO LIBOR                                                                     3
287700831                   2/28 6 MO LIBOR                                                                     3
287700836                   3/27 6 MO LIBOR                                                                     3
287700845                   Fixed Rate                                                                          3
287700852                   3/27 6 MO LIBOR                                                                     3
287700854                   2/28 6 MO LIBOR                                                                     3
287700860                   Fixed Rate                                                                          3
287700869                   2/28 6 MO LIBOR                                                                     3
287700884                   Fixed Rate                                                                          3
287700896                   3/27 6 MO LIBOR                                                                     3
287700906                   Fixed Rate                                                                          3
287800204                   Fixed Rate                                                                          2
287800243                   2/28 6 MO LIBOR                                                                     1
287800245                   2/28 6 MO LIBOR                                                                     2
287800264                   2/28 6 MO LIBOR                                                                     3
287800298                   2/28 6 MO LIBOR                                                                     3
287800306                   2/28 6 MO LIBOR IO                                                                  3
287800310                   2/28 6 MO LIBOR                                                                     3
287900366                   2/28 6 MO LIBOR IO                                                                  2
287900538                   2/28 6 MO LIBOR IO                                                                  2
287900604                   Fixed Rate                                                                          2
287900656                   2/28 6 MO LIBOR IO                                                                  2
288002886                   Fixed Rate Balloon                                                                  2
288002936                   2/28 6 MO LIBOR                                                                     1
288003118                   Fixed Rate Balloon                                                                  2
288003173                   Fixed Rate Balloon                                                                  2
288003342                   Fixed Rate Balloon                                                                  2
288003359                   Fixed Rate                                                                          2
288003370                   Fixed Rate Balloon                                                                  2
288003377                   2/28 6 MO LIBOR                                                                     1
288003437                   Fixed Rate Balloon                                                                  2
288003462                   Fixed Rate Balloon                                                                  2
288003484                   Fixed Rate Balloon                                                                  2
288003530                   2/28 6 MO LIBOR                                                                     2
288003543                   Fixed Rate                                                                          1
288003546                   Fixed Rate Balloon                                                                  2
288003561                   2/28 6 MO LIBOR                                                                     2
288003568                   Fixed Rate                                                                          2
288003594                   Fixed Rate                                                                          2
288003647                   2/28 6 MO LIBOR                                                                     1
288003660                   Fixed Rate Balloon                                                                  2
288003668                   2/28 6 MO LIBOR                                                                     1
288003692                   2/28 6 MO LIBOR                                                                     1
288003710                   Fixed Rate Balloon                                                                  2
288003750                   2/28 6 MO LIBOR                                                                     1
288003781                   Fixed Rate                                                                          1
288003862                   2/28 6 MO LIBOR                                                                     3
288003882                   2/28 6 MO LIBOR                                                                     3
288003974                   2/28 6 MO LIBOR                                                                     3
288103443                   Fixed Rate                                                                          2
288103562                   2/28 6 MO LIBOR                                                                     2
288104046                   2/28 6 MO LIBOR                                                                     1
288104326                   2/28 6 MO LIBOR                                                                     3
288104398                   Fixed Rate                                                                          1
288104425                   2/28 6 MO LIBOR                                                                     3
288104607                   3/27 6 MO LIBOR                                                                     3
288104736                   2/28 6 MO LIBOR                                                                     3
288201506                   2/28 6 MO LIBOR                                                                     1
288201657                   2/28 6 MO LIBOR                                                                     1
288201697                   2/28 6 MO LIBOR                                                                     1
288201737                   Fixed Rate Balloon                                                                  2
288201809                   2/28 6 MO LIBOR                                                                     2
288201904                   2/28 6 MO LIBOR                                                                     1
288201920                   2/28 6 MO LIBOR                                                                     1
288201953                   2/28 6 MO LIBOR                                                                     1
288201975                   2/28 6 MO LIBOR                                                                     3
288202013                   2/28 6 MO LIBOR                                                                     1
288202085                   2/28 6 MO LIBOR                                                                     3
288301955                   2/28 6 MO LIBOR                                                                     1
288302596                   2/28 6 MO LIBOR                                                                     2
288302655                   2/28 6 MO LIBOR                                                                     1
288302856                   2/28 6 MO LIBOR                                                                     1
288302865                   2/28 6 MO LIBOR                                                                     1
288302900                   2/28 6 MO LIBOR                                                                     1
288302945                   2/28 6 MO LIBOR                                                                     2
288302963                   2/28 6 MO LIBOR                                                                     1
288303009                   2/28 6 MO LIBOR                                                                     1
288303051                   2/28 6 MO LIBOR                                                                     3
288303103                   2/28 6 MO LIBOR                                                                     1
288303150                   2/28 6 MO LIBOR                                                                     1
288303275                   2/28 6 MO LIBOR                                                                     3
288303287                   2/28 6 MO LIBOR                                                                     3
288303374                   2/28 6 MO LIBOR                                                                     3
288303431                   2/28 6 MO LIBOR IO                                                                  3
288303570                   2/28 6 MO LIBOR                                                                     3
288502997                   2/28 6 MO LIBOR                                                                     2
288503011                   Fixed Rate Balloon                                                                  2
288503174                   2/28 6 MO LIBOR                                                                     2
288503270                   Fixed Rate                                                                          2
288503282                   Fixed Rate Balloon                                                                  2
288503311                   2/28 6 MO LIBOR                                                                     1
288503387                   Fixed Rate Balloon                                                                  2
288503440                   Fixed Rate Balloon                                                                  2
288503472                   Fixed Rate Balloon                                                                  2
288503519                   Fixed Rate Balloon                                                                  2
288503548                   Fixed Rate Balloon                                                                  2
288503683                   2/28 6 MO LIBOR                                                                     1
288503719                   2/28 6 MO LIBOR                                                                     1
288503798                   Fixed Rate                                                                          2
288503820                   Fixed Rate                                                                          3
288503838                   3/27 6 MO LIBOR                                                                     1
288503855                   2/28 6 MO LIBOR                                                                     3
288503862                   2/28 6 MO LIBOR                                                                     1
288503925                   3/27 6 MO LIBOR                                                                     1
288504011                   Fixed Rate                                                                          3
288504016                   2/28 6 MO LIBOR                                                                     1
288504035                   2/28 6 MO LIBOR                                                                     1
288504075                   Fixed Rate                                                                          3
288504163                   2/28 6 MO LIBOR                                                                     3
288504201                   2/28 6 MO LIBOR                                                                     3
288504314                   2/28 6 MO LIBOR                                                                     3
288504449                   Fixed Rate                                                                          3
288601519                   2/28 6 MO LIBOR                                                                     1
288601974                   2/28 6 MO LIBOR                                                                     2
288601975                   Fixed Rate                                                                          2
288602135                   2/28 6 MO LIBOR                                                                     2
288602238                   Fixed Rate                                                                          2
288602244                   2/28 6 MO LIBOR                                                                     1
288602342                   2/28 6 MO LIBOR                                                                     1
288602395                   Fixed Rate                                                                          2
288602408                   2/28 6 MO LIBOR                                                                     3
288602469                   2/28 6 MO LIBOR                                                                     1
288602474                   2/28 6 MO LIBOR                                                                     3
288602557                   2/28 6 MO LIBOR                                                                     3
288602569                   2/28 6 MO LIBOR                                                                     3
288602583                   2/28 6 MO LIBOR                                                                     3
288602604                   2/28 6 MO LIBOR                                                                     3
288602703                   2/28 6 MO LIBOR                                                                     3
288602790                   3/27 6 MO LIBOR                                                                     3
288701481                   2/28 6 MO LIBOR                                                                     2
288701773                   2/28 6 MO LIBOR                                                                     2
288701783                   Fixed Rate                                                                          2
288701869                   2/28 6 MO LIBOR                                                                     2
288701977                   2/28 6 MO LIBOR                                                                     1
288701989                   2/28 6 MO LIBOR                                                                     1
288702021                   2/28 6 MO LIBOR                                                                     1
288702022                   2/28 6 MO LIBOR                                                                     1
288702055                   2/28 6 MO LIBOR                                                                     3
288702076                   2/28 6 MO LIBOR                                                                     3
288702108                   2/28 6 MO LIBOR                                                                     3
288702197                   2/28 6 MO LIBOR                                                                     3
288801836                   2/28 6 MO LIBOR                                                                     2
288801876                   Fixed Rate Balloon                                                                  2
288802024                   2/28 6 MO LIBOR                                                                     2
288802116                   Fixed Rate                                                                          2
288802293                   2/28 6 MO LIBOR                                                                     3
288802337                   2/28 6 MO LIBOR                                                                     3
288802352                   2/28 6 MO LIBOR                                                                     1
288802354                   2/28 6 MO LIBOR                                                                     1
288802387                   2/28 6 MO LIBOR                                                                     1
288802426                   3/27 6 MO LIBOR                                                                     3
288802436                   2/28 6 MO LIBOR                                                                     3
288802469                   2/28 6 MO LIBOR                                                                     3
288802521                   2/28 6 MO LIBOR                                                                     3
288802532                   2/28 6 MO LIBOR                                                                     3
288901315                   2/28 6 MO LIBOR                                                                     1
289001193                   Fixed Rate                                                                          2
289001405                   2/28 6 MO LIBOR                                                                     1
289001463                   2/28 6 MO LIBOR                                                                     1
289001562                   2/28 6 MO LIBOR                                                                     3
289001605                   Fixed Rate                                                                          3
289102552                   6 MO LIBOR                                                                          3
289103158                   2/28 6 MO LIBOR                                                                     1
289103169                   2/28 6 MO LIBOR                                                                     1
289103204                   2/28 6 MO LIBOR                                                                     1
289103277                   2/28 6 MO LIBOR                                                                     3
289103284                   2/28 6 MO LIBOR                                                                     3
289202585                   Fixed Rate                                                                          2
289202628                   Fixed Rate                                                                          1
289202673                   2/28 6 MO LIBOR                                                                     1
289202713                   Fixed Rate Balloon                                                                  2
289202886                   Fixed Rate                                                                          2
289203005                   2/28 6 MO LIBOR                                                                     2
289203104                   Fixed Rate                                                                          1
289203142                   2/28 6 MO LIBOR                                                                     1
289203150                   2/28 6 MO LIBOR                                                                     1
289203167                   2/28 6 MO LIBOR                                                                     1
289203181                   2/28 6 MO LIBOR                                                                     1
289203186                   2/28 6 MO LIBOR                                                                     1
289203204                   2/28 6 MO LIBOR                                                                     1
289203222                   2/28 6 MO LIBOR                                                                     3
289203437                   2/28 6 MO LIBOR                                                                     3
289203487                   2/28 6 MO LIBOR                                                                     3
289301511                   2/28 6 MO LIBOR                                                                     1
289301894                   Fixed Rate                                                                          2
289301899                   2/28 6 MO LIBOR                                                                     1
289301918                   2/28 6 MO LIBOR                                                                     2
289301946                   2/28 6 MO LIBOR                                                                     1
289302097                   2/28 6 MO LIBOR                                                                     3
289302133                   2/28 6 MO LIBOR                                                                     1
289302287                   2/28 6 MO LIBOR                                                                     3
289401190                   Fixed Rate Balloon                                                                  2
289401282                   Fixed Rate                                                                          2
289401389                   2/28 6 MO LIBOR                                                                     1
289401461                   Fixed Rate                                                                          2
289401468                   2/28 6 MO LIBOR                                                                     1
289401545                   2/28 6 MO LIBOR                                                                     2
289401567                   2/28 6 MO LIBOR                                                                     2
289401929                   2/28 6 MO LIBOR                                                                     2
289401954                   Fixed Rate                                                                          2
289402013                   2/28 6 MO LIBOR                                                                     1
289402161                   2/28 6 MO LIBOR                                                                     3
289402314                   Fixed Rate                                                                          3
289402345                   2/28 6 MO LIBOR                                                                     3
289402478                   3/27 6 MO LIBOR                                                                     3
289500244                   2/28 6 MO LIBOR IO                                                                  2
289500274                   2/28 6 MO LIBOR                                                                     2
289500275                   Fixed Rate                                                                          2
289500278                   3/27 6 MO LIBOR                                                                     3
289500284                   2/28 6 MO LIBOR                                                                     2
289500297                   3/27 6 MO LIBOR                                                                     2
289500304                   2/28 6 MO LIBOR                                                                     2
289500305                   Fixed Rate                                                                          2
289500307                   3/27 6 MO LIBOR                                                                     2
289500315                   2/28 6 MO LIBOR                                                                     2
289500339                   2/28 6 MO LIBOR                                                                     2
289500340                   2/28 6 MO LIBOR                                                                     2
289500349                   Fixed Rate                                                                          2
289500374                   Fixed Rate                                                                          3
289500400                   2/28 6 MO LIBOR                                                                     3
289500401                   3/27 6 MO LIBOR                                                                     1
289500408                   Fixed Rate                                                                          3
289500413                   2/28 6 MO LIBOR                                                                     3
289500425                   3/27 6 MO LIBOR                                                                     3
289500434                   3/27 6 MO LIBOR                                                                     3
289500435                   Fixed Rate                                                                          3
289600248                   2/28 6 MO LIBOR                                                                     2
289600302                   2/28 6 MO LIBOR IO                                                                  2
289600406                   2/28 6 MO LIBOR IO                                                                  3
289600411                   2/28 6 MO LIBOR IO                                                                  2
289600420                   2/28 6 MO LIBOR                                                                     3
289600480                   2/28 6 MO LIBOR IO                                                                  3
289600485                   2/28 6 MO LIBOR                                                                     2
289600537                   2/28 6 MO LIBOR IO                                                                  3
289600567                   2/28 6 MO LIBOR                                                                     3
289600591                   2/28 6 MO LIBOR                                                                     3
289600603                   Fixed Rate IO                                                                       3
289600614                   2/28 6 MO LIBOR IO                                                                  3
289600631                   Fixed Rate Balloon                                                                  3
289600696                   Fixed Rate                                                                          3
289801683                   2/28 6 MO LIBOR                                                                     2
289801732                   Fixed Rate                                                                          3
289801777                   2/28 6 MO LIBOR                                                                     1
289802111                   Fixed Rate                                                                          3
289802141                   Fixed Rate                                                                          1
289802253                   2/28 6 MO LIBOR                                                                     3
289900006                   Fixed Rate                                                                          3
289900608                   Fixed Rate                                                                          2
289901035                   Fixed Rate                                                                          2
289901266                   2/28 6 MO LIBOR                                                                     2
289901306                   2/28 6 MO LIBOR                                                                     2
289901324                   2/28 6 MO LIBOR                                                                     2
289901441                   Fixed Rate                                                                          2
289901710                   2/28 6 MO LIBOR                                                                     2
289901772                   Fixed Rate                                                                          1
289901879                   2/28 6 MO LIBOR                                                                     1
289901904                   2/28 6 MO LIBOR                                                                     1
289901920                   2/28 6 MO LIBOR                                                                     1
289902040                   2/28 6 MO LIBOR                                                                     3
289902055                   2/28 6 MO LIBOR                                                                     3
289902188                   2/28 6 MO LIBOR                                                                     3
290000005                   2/28 6 MO LIBOR                                                                     1
290000064                   2/28 6 MO LIBOR                                                                     1
290000095                   2/28 6 MO LIBOR                                                                     3
290200743                   Fixed Rate                                                                          1
290200828                   2/28 6 MO LIBOR                                                                     2
290200878                   2/28 6 MO LIBOR                                                                     2
290201420                   2/28 6 MO LIBOR                                                                     3
290201448                   2/28 6 MO LIBOR                                                                     3
290300076                   2/28 6 MO LIBOR                                                                     2
290300109                   2/28 6 MO LIBOR                                                                     2
290300275                   2/28 6 MO LIBOR                                                                     2
290300517                   2/28 6 MO LIBOR                                                                     2
290300548                   2/28 6 MO LIBOR                                                                     2
290300549                   Fixed Rate                                                                          2
290300592                   2/28 6 MO LIBOR                                                                     2
290300634                   Fixed Rate                                                                          2
290300746                   2/28 6 MO LIBOR                                                                     1
290300758                   2/28 6 MO LIBOR                                                                     1
290300927                   Fixed Rate                                                                          1
290301015                   2/28 6 MO LIBOR                                                                     1
290301108                   2/28 6 MO LIBOR                                                                     2
290301381                   2/28 6 MO LIBOR                                                                     3
290301407                   Fixed Rate                                                                          3
290301559                   2/28 6 MO LIBOR                                                                     3
290400004                   Fixed Rate Balloon                                                                  2
290400011                   2/28 6 MO LIBOR                                                                     1
290400259                   2/28 6 MO LIBOR                                                                     1
290400615                   Fixed Rate                                                                          3
290500025                   3/27 6 MO LIBOR                                                                     1
290500029                   2/28 6 MO LIBOR                                                                     1
290500569                   2/28 6 MO LIBOR                                                                     3
290600077                   2/28 6 MO LIBOR                                                                     1
290600154                   Fixed Rate                                                                          3
290800024                   Fixed Rate                                                                          3
290900066                   2/28 6 MO LIBOR                                                                     3
291000024                   2/28 6 MO LIBOR                                                                     1
291000084                   6 MO LIBOR                                                                          1
291000114                   2/28 6 MO LIBOR                                                                     1
291000136                   2/28 6 MO LIBOR                                                                     3
291000173                   2/28 6 MO LIBOR                                                                     3
291000206                   2/28 6 MO LIBOR                                                                     3
291000234                   2/28 6 MO LIBOR                                                                     3
291000250                   2/28 6 MO LIBOR                                                                     3
291000257                   2/28 6 MO LIBOR                                                                     3
291000349                   2/28 6 MO LIBOR                                                                     3
291000406                   2/28 6 MO LIBOR                                                                     3
291100015                   2/28 6 MO LIBOR                                                                     1
291100043                   2/28 6 MO LIBOR                                                                     1
291100075                   2/28 6 MO LIBOR                                                                     3
291100117                   2/28 6 MO LIBOR                                                                     1
291100153                   2/28 6 MO LIBOR                                                                     3
291100234                   2/28 6 MO LIBOR                                                                     3
291100444                   2/28 6 MO LIBOR                                                                     3
291300090                   Fixed Rate                                                                          3

Loan Number                 Custodian
-----------------------------------------
148902757                   JPM
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EXHIBIT D

MONTHLY INFORMATION DELIVERED TO TRUSTEE

a.     The Available Funds and the Class A Certificate Interest Rate for the related Distribution Date;

b.     The Class A Certificate Principal Balance or the Aggregate Principal Balance of the Mortgage Loans as reported in the prior Trustee’s Remittance Report or, in the case of the first Determination Date, the Class A Certificate Principal Balance;

c.     The aggregate amount of collections received on the Mortgage Loans on or prior to such Determination Date in respect of the preceding Due Period, separately stating the amounts received in respect of principal and interest;

d.     The number and Principal Balances of all Mortgage Loans that were the subject of Principal Prepayments during the related Due Period;

	
             
 	
            e.
 	
            The amount of all Curtailments that were received during the Due Period;
 	
             

	
             
 	
            f.
 	
            The principal portion of all Monthly Payments received during the Due Period;
 

g.     The interest portion of all Monthly Payments received on the related Mortgage Loans during the Due Period;

h.     The amount required to be paid by the Seller (reported separately) pursuant to Section 2.02, 2.04 or 2.06;

i.      The amount of the Monthly Advances and the Compensating Interest payment to be made with respect to such Distribution Date;

j.      The Class A Principal Distribution Amount for the related Distribution Date, the portion thereof to be distributed on the Class A Certificates then entitled to distributions of principal and the Class Interest Distribution for the related Distribution Date and the Class A Certificates;

k.     the amount of Class A Available Funds Cap Carryover Amount distributed to the Class A Certificates, stating separately any amounts received from the Corridor Contract Counterparty with respect to the Corridor Contract, and the amount of Class A Available Funds Cap Carryover Amount remaining;

l.      the amount on deposit in the Basis Risk Reserve Fund, the Required Basis Risk Reserve Fund Deposit and the amount of withdrawal from such Account; and

m.   The amount, if any, of the outstanding Class Interest Carryover Shortfall for the Class A Certificates after giving effect to the distributions on the related Distribution Date;

 

 

n.     The amount to be distributed to the Certificateholders of the Class A Certificates for the related Distribution Date;

o.     The Principal Balance of the Class A Certificates after giving effect to the distributions to be made on the related Distribution Date;

p.     The weighted average remaining term to maturity of the Mortgage Loans and the weighted average Loan Rate;

	
             
 	
            q.
 	
            The Servicing Fee to be paid to the Servicer;
 
	
             
 	
            r.
 	
            The Trustee Fee to be paid to the Trustee;
 	
             

s.     The amount of all payments or reimbursements to the Servicer pursuant to Section 3.03;

t.      The number of Mortgage Loans outstanding at the beginning and at the end of the related Due Period;

u.     The Aggregate Principal Balance as of the end of the Due Period related to such Distribution Date;

v.     The number and Aggregate Principal Balances of Mortgage Loans (w) as to which the Monthly Payment is delinquent for 30-59 days, 60-89 days and 90 or more days, respectively, (x) that have become REO Properties, in each case as of the end of the preceding Due Period, (y) that are in foreclosure and (z) the Mortgagor of which is the subject of any bankruptcy or insolvency proceeding;

w.    The unpaid principal amount of all Mortgage Loans that became Liquidated Mortgage Loans during such Due Period;

	
             
 	
            x.
 	
            The Net Liquidation Proceeds received during such Due Period;
 

y.     The book value (within the meaning of 12 C.F.R. § 571.13 or comparable provision) of any real estate acquired through foreclosure or grant of a deed in lieu of foreclosure;

z.     Whether a Servicer Termination Delinquency Event or a Servicer Termination Loss Event has occurred;

aa.   Such other information as is required by the Code and regulations thereunder to be made available to Holders of the Regular Certificates;

bb.  During the Funding Period, the amount used to acquire Subsequent Mortgage Loans since the preceding Distribution Date and the remaining Pre-Funded Amount after acquiring Subsequent Mortgage Loans; and

 

 

cc.   During the Funding Period, the amount on deposit in the Capitalized Interest Account after the Distribution Date and the Capitalized Interest Required Amount for such Distribution Date.

 

 

EXHIBIT E

[RESERVED]

 

 

EXHIBIT F

[RESERVED]

 

 

EXHIBIT G

AFFIDAVIT OF TRANSFER OF RESIDUAL CERTIFICATES

PURSUANT TO SECTION 6.02(d)

HOME LOAN MORTGAGE LOAN TRUST 2005-1

HOME EQUITY LOAN ASSET-BACKED CERTIFICATES,

SERIES 2005-1

	
            STATE OF_____________
 	
            )
 	
             
 
	
             
 	
            )
 	
            ss.:
 
	
            COUNTY OF___________
 	
            )
 	
             
 

 

 

The undersigned, being first duly sworn, deposes and says as follows:

I.             The undersigned is an officer of _____________, the proposed Transferee of an Ownership Interest in a Class R Certificate (the “Certificate”) issued pursuant to the Pooling Agreement dated as of November 1, 2005 (the “Agreement”), relating to the above-referenced Series, by and among Financial Asset Securities Corp., as depositor (the “Depositor”), Ocean Bank, F.S.B., as seller and servicer (in such capacities, the “Seller” and the “Servicer”) and Deutsche Bank National Trust Company, as Trustee. Capitalized terms used, but not defined herein or in Exhibit 1 hereto, shall have the meanings ascribed to such terms in the Agreement. The Transferee has authorized the undersigned to make this affidavit on behalf of the Transferee.

II.           The Transferee is, as of the date hereof, and will be, as of the date of the Transfer, a Permitted Transferee. The Transferee is acquiring its Ownership Interest in the Certificate for its own account. The Transferee has no knowledge that any such affidavit is false.

III.          The Transferee has been advised of, and understands that (i) a tax will be imposed on Transfers of the Certificate to Persons that are not Permitted Transferees; (ii) such tax will be imposed on the transferor, or, if such Transfer is through an agent (which includes a broker, nominee or middleman) for a Person that is not a Permitted Transferee, on the agent; and (iii) the Person otherwise liable for the tax shall be relieved of liability for the tax if the subsequent Transferee furnished to such Person an affidavit that such subsequent Transferee is a Permitted Transferee and, at the time of Transfer, such Person does not have actual knowledge that the affidavit is false.

IV.         The Transferee has been advised of, and understands that a tax will be imposed on a “pass-through entity” holding the Certificate if at any time during the taxable year of the pass-through entity a Person that is not a Permitted Transferee is the record holder of an interest in such entity. The Transferee understands that such tax will not be imposed for any period with respect to which the record holder furnishes to the pass-through entity an affidavit that such record holder is a Permitted Transferee and the pass-through entity does not have actual knowledge that such affidavit is false. (For this purpose, a “pass-through entity” includes a regulated investment company, a real estate investment trust or common Trust, a partnership, 

 

trust or estate, and certain cooperatives and, except as may be provided in Treasury Regulations, persons holding interests in pass-through entities as a nominee for another Person.)

V.           The Transferee has reviewed the provisions of Section 6.02(d) of the Agreement (attached hereto as Exhibit 2 and incorporated herein by reference) and understands the legal consequences of the acquisition of an Ownership Interest in the Certificate including, without limitation, the restrictions on subsequent Transfers and the provisions regarding voiding the Transfer and mandatory sales. The Transferee expressly agrees to be bound by and to abide by the provisions of Section 6.02(d) of the Agreement and the restrictions noted on the face of the Certificate. The Transferee understands and agrees that any breach of any of the representations included herein shall render the Transfer to the Transferee contemplated hereby null and void.

VI.         The Transferee agrees to require a Transfer Affidavit from any Person to whom the Transferee attempts to Transfer its Ownership Interest in the Certificate, and in connection with any Transfer by a Person for whom the Transferee is acting as nominee, trustee or agent, and the Transferee will not Transfer its Ownership Interest or cause any Ownership Interest to be Transferred to any Person that the Transferee knows is not a Permitted Transferee. In connection with any such Transfer by the Transferee, the Transferee agrees to deliver to the Trustee a certificate substantially in the form set forth as Exhibit H to the Agreement (a “Transferor Certificate”) to the effect that such Transferee has no actual knowledge that the Person to which the Transfer is to be made is not a Permitted
Transferee.

VII.        The Transferee does not have the intention to impede the assessment or collection of any tax legally required to be paid with respect to the Certificate.

	
             
 	
            VIII.
 	
            The Transferee’s taxpayer identification number is _____________.
 	
             

	
             
 	
            IX.
 	
            The Transferee is a U.S. Person as defined in Code Section 7701(a)(30).
 

X.           The Transferee is aware that the Certificate may be a “noneconomic residual interest” within the meaning of proposed Treasury regulations promulgated pursuant to the Code and that the transferor of a noneconomic residual interest will remain liable for any taxes due with respect to the income on such residual interest, unless no significant purpose of the transfer was to impede the assessment or collection of tax.

XI.         The Transferee is not an employee benefit plan that is subject to ERISA or a plan that is subject to Section 4975 of the Code, nor are we acting on behalf of such a plan.

*   *   *

 

 

IN WITNESS WHEREOF, the Transferee has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its duly authorized officer and its corporate seal to be hereunto affixed, duly attested, this ___ day of __________, 20_.

[NAME OF TRANSFEREE]

By: _______________________________

Name:

Title:

[Corporate Seal]

ATTEST:

 

__________________________

[Assistant] Secretary

Personally appeared before me the above-named _________________, known or proved to me to be the same person who executed the foregoing instrument and to be the ____________ of the Transferee, and acknowledged that he executed the same as his free act and deed and the free act and deed of the Transferee.

Subscribed and sworn before me this ___ day of _________________, 20_.

_____________________________

NOTARY PUBLIC

My Commission expires the

___ day of ______________, 20__.

 

 

EXHIBIT 1 to EXHIBIT G

CERTAIN DEFINITIONS

“Ownership Interest”: As to any Certificate, any ownership interest in such Certificate, including any interest in such Certificate as the Holder thereof and any other interest therein, whether direct or indirect, legal or beneficial.

“Permitted Transferee”: Any Person other than (i) the United States, any State or political subdivision thereof, or any agency or instrumentality of any of the foregoing, (ii) a foreign government, International Organization or any agency or instrumentality of either of the foregoing, (iii) an organization (except certain farmers’ cooperatives described in Code Section 521) which is exempt from tax imposed by Chapter 1 of the Code (including the tax imposed by Code Section 511 on unrelated business taxable income) on any excess inclusions (as defined in Code Section 860E(c)(1)) with respect to any Residual Certificate, (iv) rural electric and telephone cooperatives described in Code Section 1381(a)(2)(c), (v) a Person that is not a citizen or resident of the United States, a corporation, partnership, or other entity created or organized in or under the laws of the United
States or any political subdivision thereof, or an estate or trust whose income from sources without the United States is includible in gross income for United States federal income tax purposes regardless of its connection with the conduct of a trade or business within the United States, and (vi) any other Person so designated by the Trustee based upon an Opinion of Counsel that the Transfer of an Ownership Interest in a Residual Certificate to such Person may cause the Trust to fail to qualify as a REMIC at any time that certain Certificates are Outstanding. The terms “United States,” “State” and “International Organization” shall have the meanings set forth in Code Section 7701 or successor provisions. A corporation will not be treated as an instrumentality of the United States or of any State or political subdivision thereof if all of its activities are subject to tax, and, with the exception of the Freddie Mac, a majority of its board of directors is
not selected by such governmental unit.

“Person”: Any individual, corporation, partnership, joint venture, bank, joint stock company, trust (including any beneficiary thereof), unincorporated organization or government or any agency or political subdivision thereof.

“Transfer”: Any direct or indirect transfer or sale of any Ownership Interest in a Certificate, including the acquisition of a Certificate by the Depositor.

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

 

 

EXHIBIT 2 to EXHIBIT G

SECTION 6.02(d) OF THE AGREEMENT

(d)          Except with respect to the initial transfer of the Class R Certificates by the Depositor, no transfer, sale, pledge or other disposition of any Class R Certificate shall be made unless such disposition is exempt from the registration requirements of the Securities Act of 1933, as amended (the “1933 Act”), and any applicable state securities laws or is made in accordance with the 1933 Act and laws.  In the event of any such transfer, other than the transfer of the Tax Matters Person Residual Interest to the Trustee or (1) in reliance upon Rule 144A under the 1933 Act or (2) to an “accredited investor” as defined under Rule 501(a) (1), (2), (3) or (7) of the 1933 Act, the Trustee and the Depositor shall require either (i) a written Opinion of Counsel (which may be
in-house counsel) acceptable to and in form and substance reasonably satisfactory to the Trustee, the Seller and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from the 1933 Act or is being made pursuant to the 1933 Act, which Opinion of Counsel shall not be an expense of the Trustee, the Servicer, the Seller or the Depositor or (ii) the Trustee shall require the transferor to execute a transferor certificate (in substantially the form attached hereto as Exhibit K) and the transferee to execute an investment letter (in substantially the form attached hereto as Exhibit J) acceptable to and in form and substance reasonably satisfactory to the Seller and the Trustee certifying to the Seller and the Trustee the facts surrounding such transfer, which investment letter shall not be an expense of the Trustee, the Servicer, the Seller or the Depositor.  The Holder of a Class R Certificate desiring to effect
such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of a Class R Certificate shall be made unless the Trustee shall have received either (i) a representation letter from the transferee of such Certificate, acceptable to and in form and substance satisfactory to the Trustee, to the effect that such transferee is not acquiring such Certificate for, or on behalf of, an employee benefit plan or other retirement arrangement subject to Section 406 of ERISA or Section 4975 of the Code or any entity deemed to hold the plan assets of the foregoing (each, a “Plan”), which representation letter shall not be an expense of the Trustee, the Servicer, the Seller or the Depositor, or (ii) in the case of a Class R Certificate presented for registration in the name of a Plan, an Opinion of Counsel satisfactory to the Trustee to the effect that the purchase or holding of such Certificate will not result in prohibited transactions under
Section 406 of ERISA or Section 4975 of the Code and will not subject the Trustee, the Servicer, the Seller or the Depositor to any obligation in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of the above parties or the Trust. Notwithstanding anything else to the contrary herein, in the event any purported transfer of any Class R Certificate is made without delivery of the representation letter referred to above, such representation shall be deemed to have been made by the Transferee by its acceptance of such Certificate. In addition, any purported transfer of a Class R Certificate to or on behalf of a Plan without the delivery to the Trustee of an Opinion of Counsel satisfactory to the Trustee as described above shall be void and of no effect.

Each Person who has or who acquires any Ownership Interest in a Class R Certificate shall be deemed by the acceptance or acquisition of such Ownership Interest to have agreed to be 

 

bound by the following provisions and to have irrevocably appointed the Depositor or its designee as its attorney-in-fact to negotiate the terms of any mandatory sale under clause (v) below and to execute all instruments of transfer and to do all other things necessary in connection with any such sale, and the rights of each Person acquiring any Ownership Interest in a Class R Certificate are expressly subject to the following provisions:

(i)           Each Person holding or acquiring any Ownership Interest in a Class R Certificate shall be a Permitted Transferee and shall promptly notify the Trustee of any change or impending change in its status as a Permitted Transferee.

(ii)          No Person shall acquire an Ownership Interest in a Class R Certificate unless such Ownership Interest is a pro rata undivided interest.

(iii)        In connection with any proposed transfer of any Ownership Interest in a Class R Certificate, the Trustee shall as a condition to such consent, require delivery to it, in form and substance satisfactory to it, of each of the following:

A.         an affidavit in the form of Exhibit G hereto from the proposed transferee to the effect that such transferee is a Permitted Transferee and that it is not acquiring its Ownership Interest in the Class R Certificate that is the subject of the proposed transfer as a nominee, trustee or agent for any Person who is not a Permitted Transferee; and

B.          a covenant of the proposed transferee to the effect that the proposed transferee agrees to be bound by and to abide by the transfer restrictions applicable to the Class R Certificates.

(iv)         Any attempted or purported transfer of any Ownership Interest in a Class R Certificate in violation of the provisions of this Section 6.02 shall be absolutely null and void and shall vest no rights in the purported transferee. If any purported transferee shall, in violation of the provisions of this Section 6.02, become a Holder of a Class R Certificate, then the prior Holder of such Class R Certificate that is a Permitted Transferee shall, upon discovery that the registration of transfer of such Class R Certificate was not in fact permitted by this Section 6.02, be restored to all rights as Holder thereof retroactive to the date of registration of transfer of such Class R Certificate. The Trustee shall be under no liability to any Person for any registration of transfer of
a Class R Certificate that is in fact not permitted by this Section 6.02 or for making any distributions due on such Class R Certificate to the Holder thereof or taking any other action with respect to such Holder under the provisions of the Agreement so long as the transfer was not registered upon the express written consent of the Trustee. The Trustee shall be entitled to recover from any Holder of a Class R Certificate that was in fact not a Permitted Transferee at the time such distributions were made all distributions made on such Class R Certificate. Any such distributions so recovered by the Trustee shall be distributed and delivered by the Trustee to the prior Holder of such Class R Certificate that is a Permitted Transferee.

 

 

(v)          If any Person other than a Permitted Transferee acquires any Ownership Interest in a Class R Certificate in violation of the restrictions in this Section 6.02, then the Trustee shall have the right but not the obligation, without notice to the Holder of such Class R Certificate or any other Person having an Ownership Interest therein, to notify the Depositor to arrange for the sale of such Class R Certificate. The proceeds of such sale, net of commissions (which may include commissions payable to the Depositor or its affiliates in connection with such sale), expenses and taxes due, if any, will be remitted by the Trustee to the previous Holder of such Class R Certificate that is a Permitted Transferee, except that in the event that the Trustee determines that the Holder
of such Class R Certificate may be liable for any amount due under this Section 6.02 or any other provisions of this Agreement, the Trustee may withhold a corresponding amount from such remittance as security for such claim. The terms and conditions of any sale under this clause (v) shall be determined in the sole discretion of the Trustee, and it shall not be liable to any Person having an Ownership Interest in a Class R Certificate as a result of its exercise of such discretion.

(vi)         If any Person other than a Permitted Transferee acquires any Ownership Interest in a Class R Certificate in violation of the restrictions in this Section 6.02, then the Trustee, based on information provided to the Trustee by the Depositor will provide to the Internal Revenue Service, and to the persons specified in Section 860E(e)(3) and (6) of the Code, information needed to compute the tax imposed under Section 860E(e)(5) of the Code on transfers of residual interests to disqualified organizations.

The foregoing provisions of this Section 6.02(d) shall cease to apply to transfers occurring on or after the date on which there shall have been delivered to the Trustee, in form and substance satisfactory to the Trustee, (i) written notification from each Rating Agency that the removal of the restrictions on Transfer set forth in Section 6.02 of the Pooling and Servicing Agreement will not cause such Rating Agency to downgrade its rating of the Certificates and (ii) an Opinion of Counsel to the effect that such removal will not cause the REMIC Trust to fail to qualify as a REMIC.

The Tax Matters Person Residual Interest shall at all times be registered in the name of the Trustee.

 

 

EXHIBIT H

DTC LETTER OF REPRESENTATIONS

 

SEE TAB ___

 

 

EXHIBIT I

FORM OF REQUEST FOR RELEASE

[DATE]

Deutsche Bank National Trust Company

of California, N.A., as Trustee

1761 East St. Andrew Place

Santa Ana, California 92705

Attention:  [______]

	
             
 	
            Re:
 	
            
Financial Asset Securities Corp., Home Equity Loan Asset-Backed
 Certificates, Series 2005-1
 
 

 

Ladies and Gentlemen:

In connection with the administration of the Mortgage Loans held by you as Trustee under the Pooling and Servicing Agreement dated as of November 1, 2005, among Financial Asset Securities Corp. as Depositor, Ocean Bank, F.S.B., as Seller and Servicer, and you, as Trustee (the “Agreement”), we hereby request a release of the Mortgage File held by you as Trustee with respect to the following described Mortgage Loan for the reason indicated below.

Loan No.:

Reason for requesting file:

	
            ______
 	
            1.             Mortgage Loan paid in full. (The Servicer hereby certifies that all amounts received in connection with the payment in full of the Mortgage Loan which are required to be deposited in the Collection Account pursuant to Section 3.02 of the Agreement have been so deposited.)
 

	
            ______
 	
            2.             Retransfer of Mortgage Loan. (The Servicer hereby certifies that the Transfer Deposit Amount has been deposited in the Collection Account pursuant to the Agreement.)
 

	
            ______
 	
            3.
 	
            The Mortgage Loan is being foreclosed.
 

	
            ______
 	
            4.             The Home Equity Loan is being re-financed by another depository institution. (The Servicer hereby certifies that all amounts received in connection with the payment in full of the Mortgage Loan which are required to be deposited in the Collection Account pursuant to Section 3.02 of the Agreement have been so deposited.)
 

	
            ______
 	
            5.
 	
            Other (Describe).
 

 

 

EXHIBIT J

FORM OF INVESTMENT LETTER [NON-RULE 144A]

[DATE]

[Depositor]

[Depositor Address]

[Trustee]

[Trustee Address]

	
             
 	
            Re:
 	
            
Home Loan Mortgage Loan Trust 2005-1
 Home Equity Loan Asset-Backed Certificates,
 Series 2005-1, Class [_]
 
 

 

Ladies and Gentlemen:

In connection with our acquisition of the above-captioned Certificates, we certify that (a) we understand that the Certificates are not being registered under the Securities Act of 1933, as amended (the “Act”), or any state securities laws and are being transferred to us in a transaction that is exempt from the registration requirements of the Act and any such laws, (b) we are an “accredited investor,” as defined in Regulation D under the Act, and have such knowledge and experience in financial and business matters that we are capable of evaluating the merits and risks of investments in the Certificates, (c) we have had the opportunity to ask questions of and receive answers from the Depositor concerning the purchase of the Certificates and all matters relating thereto or any additional information deemed necessary to our decision to purchase the Certificates, (d) we
are not an employee benefit plan that is subject to the Employee Retirement Income Security Act of 1974, as amended, or a plan that is subject to Section 4975 of the Internal Revenue Code of 1986, as amended, nor are we acting on behalf of any such plan, (e) we are acquiring the Certificates for investment for our own account and not with a view to any distribution of such Certificates (but without prejudice to our right at all times to sell or otherwise dispose of the Certificates in accordance with clause (g) below), (f) we have not offered or sold any Certificates to, or solicited offers to buy any Certificates from, any person, or otherwise approached or negotiated with any person with respect thereto, or taken any other action which would result in a violation of Section 5 of the Act, and (g) we will not sell, transfer or otherwise dispose of any Certificates unless (1) such sale, transfer or other disposition is made pursuant to an effective registration statement under the Act
or is exempt from such registration requirements, and if requested, we will at our expense provide an opinion of counsel satisfactory to the addressees of this Certificate that such sale, transfer or other disposition may be made pursuant to an exemption from the Act, (2) the purchaser or transferee of such Certificate has executed and delivered to you a certificate to substantially the same effect as this certificate, and (3) the purchaser or transferee has otherwise complied with any conditions for transfer set forth in the Pooling Agreement.

Very truly yours,

[NAME OF TRANSFEREE]

	
             
 	
            By:
 	
            ____________________________
 

 

Authorized Officer

 

 

FORM OF RULE 144A LETTER

[DATE]

[Depositor]

[Depositor Address]

[Trustee]

[Trustee Address]

	
             
 	
            Re:
 	
            
Home Loan Mortgage Loan Trust 2005-1
 Home Equity Loan Asset-Backed Certificates,
 Series 2005-1, Class [_]
 
 

 

Ladies and Gentlemen:

In connection with our acquisition of the above Certificates we certify that (a) we understand that the Certificates are not being registered under the Securities Act of 1933, as amended (the “Act”), or any state securities laws and are being transferred to us in a transaction that is exempt from the registration requirements of the Act and any such laws, (b) we have had the opportunity to ask questions of and receive answers from the Depositor concerning the purchase of the Certificates and all matters relating thereto or any additional information deemed necessary to our decision to purchase the Certificates, (c) we are not an employee benefit plan that is subject to the Employee Retirement Income Security Act of 1974, as amended, or a plan that is subject to Section 4975 of the Internal Revenue Code of 1986, as amended; nor are we acting on behalf of any such plan, (d) we
have not, nor has anyone acting on our behalf offered, transferred, pledged, sold or otherwise disposed of the Certificates, any interest in the Certificates or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Certificates, any interest in the Certificates or any other similar security from, or otherwise approached or negotiated with respect to the Certificates, any interest in the Certificates or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Certificates under the Securities Act or that would render the disposition of the Certificates a violation of Section 5 of the Securities Act or require registration pursuant thereto, nor will act, nor has authorized or will authorize any person to act, in such manner with respect to the Certificates, (e) we
are a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act and have completed either of the forms of certification to that effect attached hereto as Annex 1 or Annex 2. We are aware that the sale to us is being made in reliance on Rule 144A. We are acquiring the Certificates for our own account or for resale pursuant to Rule 144A and further, understand that such Certificates may be resold, pledged or transferred only (i) to a person reasonably believed to be a qualified institutional buyer that purchases for its own account or for the account of a qualified institutional buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A, or (ii) pursuant to another exemption from registration under the Securities Act.

 

 

ANNEX 1 TO EXHIBIT J

QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

[FOR TRANSFEREES OTHER THAN REGISTERED INVESTMENT COMPANIES]

The undersigned (the “Buyer”) hereby certifies as follows to the parties listed in the Rule 144A Transferee Certificate to which this certification relates with respect to the Certificates described therein:

(a)          As indicated below, the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the Buyer.

(b)          In connection with purchases by the Buyer, the Buyer is a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act of 1933, as amended (“Rule 144A”) because (i) the Buyer owned and/or invested on a discretionary basis $__________ in securities (except for the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the criteria in the category marked below.

_____  Corporation, etc.  The Buyer is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or charitable organization described in Section 501(c)(3) of the Internal Revenue Code of 1986, as amended.

_____  Bank.  The Buyer (a) is a national bank or banking institution organized under the laws of any State, territory or the District of Columbia, the business of which is substantially confined to banking and is supervised by the State or territorial banking commission or similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto.

_____  Savings and Loan.  The Buyer (a) is a savings and loan association, building and loan association, cooperative bank, homestead association or similar institution, which is supervised and examined by a State or Federal authority having supervision over any such institutions or is a foreign savings and loan association or equivalent institution and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto.

(c)          The Buyer acknowledges that it is familiar with Rule 144A and understands that the seller to it and other parties related to the Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Buyer may be in reliance on Rule 144A.

_________________________

	
            [1] 
 	
            Buyer must own and/or invest on a discretionary basis at least $100,000,000 in securities unless Buyer is a dealer, and, in that case, Buyer must own and/or invest on a discretionary basis at least $10,000,000 in securities.
 

 

 

 

(d)          Until the date of purchase of the Rule 144A Securities, the Buyer will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice is given, the Buyer’s purchase of the Certificates will constitute a reaffirmation of this certification as of the date of such purchase. In addition, if the Buyer is a bank or savings and loan is provided above, the Buyer agrees that it will furnish to such parties updated annual financial statements promptly after they become available.

___________________________

Print Name of Buyer

	
             
 	
            By:
 	
            ________________________
 
	
             
 	
            Name:
 	
             

	
             
 	
            Title:
 	
             

					

Date:_______________________

 

 

ANNEX 2 TO EXHIBIT J

QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

[FOR TRANSFEREES THAT ARE REGISTERED INVESTMENT COMPANIES]

The undersigned (the “Buyer”) hereby certifies as follows to the parties listed in the Rule 144A Transferee Certificate to which this certification relates with respect to the Certificates described therein:

1.            As indicated below, the undersigned is the President, Chief Financial Officer or Senior Vice President of the Buyer or, if the Buyer is a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act of 1933, as amended (“Rule 144A”) because Buyer is part of a Family of Investment Companies (as defined below), is such an officer of the Adviser.

2.            In connection with purchases by Buyer, the Buyer is a “qualified institutional buyer” as defined in SEC Rule 144A because (i) the Buyer is an investment company registered under the Investment Company Act of 1940, as amended and (ii) as marked below, the Buyer alone, or the Buyer’s Family of Investment Companies, owned at least $100,000,000 in securities (other than the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year. For purposes of determining the amount of securities owned by the Buyer or the Buyer’s Family of Investment Companies, the cost of such securities was used, except (i) where the Buyer or the Buyer’s Family of Investment Companies reports its securities holdings in its financial statements
on the basis of their market value, and (ii) no current information with respect to the cost of those securities has been published. If clause (ii) in the preceding sentence applies, the securities may be valued at market.

_____  The Buyer owned $__________ in securities (other than the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year (such amount being calculated in accordance with Rule 144A).

_____  The Buyer is part of a Family of Investment Companies which owned in the aggregate $__________ in securities (other than the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year (such amount being calculated in accordance with Rule 144A).

3.            The term “Family of Investment Companies” as used herein means two or more registered investment companies (or series thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other).

4.            The term “securities” as used herein does not include (i) securities of issuers that are affiliated with the Buyer or are part of the Buyer’s Family of Investment Companies, (ii) securities issued or guaranteed by the U.S. or any instrumentality thereof, (iii) bank deposit notes and certificates of deposit, (iv) loan participations, (v) repurchase agreements, (vi) securities owned but subject to a repurchase agreement and (vii) currency, interest rate and commodity swaps.

 

 

5.            The Buyer is familiar with Rule 144A and understands that the parties listed in the Rule 144A Transferee Certificate to which this certification relates are relying and will continue to rely on the statements made herein because one or more sales to the Buyer will be in reliance on Rule 144A. In addition, the Buyer will only purchase for the Buyer’s own account.

6.            Until the date of purchase of the Certificates, the undersigned will notify the parties listed in the Rule 144A Transferee Certificate to which this certification relates of any changes in the information and conclusions herein. Until such notice is given, the Buyer’s purchase of the Certificates will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase.

__________________________________

Print Name of Buyer or Adviser

	
             
 	
            By:
 	
            _______________________________
 
	
             
 	
            Name:
 	
             

	
             
 	
            Title:
 	
             

					

IF AN ADVISER:

__________________________________

Print Name of Buyer

Date:______________________________

 

 

EXHIBIT K

SPECIMEN OF CERTIFICATE INSURANCE POLICY

SEE TAB  ___

 

 

 

EXHIBIT L

MONTHLY DELINQUENCY AND FORECLOSURE INFORMATION

ON FILE WITH OCEAN BANK, F.S.B.

 

 

EXHIBIT M

[LETTER OF INSTRUCTION TO TRUSTEE]

 

 [__________], 20[__]

Deutsche Bank National Trust Company

1761 East St. Andrew Place

Santa Ana, California  92705

	
             
 	
            Re:
 	
            Financial Asset Securities Corp.
 

Home Equity Loan Asset-Backed Certificates, Series 2005-1

Ladies and Gentlemen:

Pursuant to and in reference to Section 3.14 of the Pooling and Servicing Agreement dated as of November 1, 2005 relating to the above referenced Certificates, please note the following:

	
             
 	
            (a)
 	
            CIK Number for the Trust: [INSERT CIK].
 
	
             
 	
            (b)
 	
            CCC for the Trust: [INSERT CCC].
 	
             

In order to comply with the reporting obligations for the Trust under the Securities and Exchange Act of 1934, as amended (the “Exchange Act”), the Trustee must file within 15 days following each Distribution Date a copy of the report distributed by the Trustee to the Certificateholders in a current report on Form 8-K.  Such reports provide all current information ordinarily of interest to the Certificateholders.  The Trustee must also report on a current report on Form 8-K any significant occurrences during the reporting period that would be reportable under Item 1, Item 2, Item 4 and Item 5.  In addition, the Trustee should prepare for the Depositor’s signature an annual report on Form 10-K within 80 days following the end of the Trust's fiscal year containing the following information:

	
             
 	
            Part I, Item 3.
 	
            A description of any material pending litigation;
 

	
             
 	
            Part I, Item 4.
 	
            A description of any submission matters to vote of Certificateholders;
 

	
             
 	
            Part II, Item 5.
 	
            A statement of the number of Certificateholders and the principal market, if any, in which the Certificates trade;
 

	
             
 	
            Part II, Item 9.
 	
            A statement as to any changes in or disagreements with the independent public accounts for the Trust;
 

	
             
 	
            Part IV, Item 14.
 	
            A copy of the annual certificate of compliance by an officer of the Servicer, and any Subservicer and the audit of the servicing by the independent accounting firm.
 

 

Promptly after filing the Form 10-K, the Trustee should file a Form 15 in accordance with Section 3.14 of the Pooling and Servicing Agreement, deregistering the Trust and terminating the reporting obligations under the Exchange Act.  All filings must be made through the Edgar System and all acceptance slips from the filings should be saved as they will be needed for the annual certificate.

FINANCIAL ASSET SECURITIES CORP.

By:_____________________________

Name: 

Title: 

 

 

EXHIBIT N

FORM OF CERTIFICATION TO BE

PROVIDED BY THE SERVICER WITH FORM 10-K

 

	
             
 	
            Re:
 	
            
Home Loan Mortgage Loan Trust 2005-1, Home Equity Loan Asset-backed Certificates, Series 2005-1
 
 

 

 

I, [identify the certifying individual], a [title] of Ocean Bank, F.S.B. (the “Servicer”) in charge of servicing, certify that:

	
             
 	
            1.
 	
            I have reviewed this annual report on Form 10-K, and all reports on Form 8-K containing distribution and servicing reports filed in respect of periods included in the year covered by this annual report of [_________];
 

	
             
 	
            2.
 	

            Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report;
 

	
             
 	
            3.
 	
            Based on my knowledge, the distribution information and the servicing information required to be provided to the Trustee by the Servicer under the Pooling and Servicing Agreement is included in these reports;
 

	
             
 	
            4.
 	
            I am responsible for reviewing the activities performed by the Servicer under the Pooling and Servicing Agreement and based upon the review required under the Pooling and Servicing Agreement, and except as disclosed in the report, the Servicer has fulfilled its obligations under the Pooling and Servicing Agreement; and
 

	
             
 	
            5.
 	
            I have disclosed to the Servicer’s certified public accountants all significant deficiencies relating to the Servicer’s compliance with the minimum servicing standards in accordance with a review conducted in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar standard as set forth in the Pooling and Servicing Agreement.
 

Capitalized terms used but not defined herein have the meanings ascribed to them in the Pooling and Servicing Agreement, dated November 1, 2005 (the “Pooling and Servicing Agreement”), among Financial Asset Securities Corp. as depositor, Ocean Bank, F.S.B. as seller and servicer and Deutsche Bank National Trust Company as trustee. 

OCEAN BANK, F.S.B.

 

By:____________________________________

Name:

Title:

Date:

 

 

EXHIBIT O

FORM CERTIFICATION TO BE

PROVIDED TO SERVICER BY THE TRUSTEE

	
             
 	
            Re:
 	
            
Home Loan Mortgage Loan Trust 2005-1, Home Equity Loan Asset-backed Certificates, Series 2005-1
 
 

 

 

I, [identify the certifying individual], a [title] of Deutsche Bank National Trust Company, as Trustee, hereby certify to Ocean Bank, F.S.B. (the “Servicer”), and its officers, directors and affiliates, and with the knowledge and intent that they will rely upon this certification, that:

	
             
 	
            1.
 	
            I have reviewed the annual report on Form 10-K for the fiscal year [___], and all reports on Form 8-K containing distribution reports filed in respect of periods included in the year covered by that annual report, of the [_________] relating to the above-referenced trust;
 

	
             
 	
            2.
 	
            Based on my knowledge, the information in these distribution reports prepared by the Trustee, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by that annual report; and
 

	
             
 	
            3.
 	
            Based on my knowledge, the distribution information required to be provided by the Trustee under the Pooling and Servicing Agreement is included in these distribution reports.
 

Capitalized terms used but not defined herein have the meanings ascribed to them in the Pooling and Servicing Agreement, dated November 1, 2005 (the “Pooling and Servicing Agreement”), among Financial Asset Securities Corp. as depositor, Ocean Bank, F.S.B. as seller and servicer and Deutsche Bank National Trust Company as trustee.

 

DEUTSCHE BANK NATIONAL TRUST COMPANY, as Trustee

 

By:__________________________________

Name:

Title:

Date:

 

 

EXHIBIT P

 

FORM OF SUBSEQUENT TRANSFER AGREEMENT

SUBSEQUENT TRANSFER AGREEMENT (the “Agreement”), dated as of _________, ____, by and between Ocean Bank, F.S.B. (the “Seller”) and Home Loan Mortgage Loan Trust 2005-1 (the “Trust”), pursuant to the Pooling and Servicing Agreement referred to below. 

WITNESSETH:

WHEREAS, pursuant to a Pooling and Servicing Agreement (the “Pooling and Servicing Agreement”), dated as of November 1, 2005, among Financial Asset Securities Corp., as depositor, the Seller, as seller and servicer, and Deutsche Bank National Trust Company, as trustee (the “Trustee”), the Seller wishes to convey the Subsequent Mortgage Loans (as defined below) to the Trust, and the Trust wished to acquire the same for consideration set forth in Section III below; and

WHEREAS, the Seller has timely delivered to the Trustee, the Servicer, the Depositor, the Rating Agencies and the Certificate Insurer an Addition Notice related to such conveyance as required by Section 2.14 of the Pooling and Servicing Agreement.

NOW, THEREFORE, the Trust and the Seller hereby agree as follows:

Section I.  Capitalized terms used herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement unless otherwise defined herein.

“Cut-Off Date” shall mean, for purposes of this Agreement, ___________, ____.

“Purchase Agreement” shall mean, for purposes of this Agreement, the Mortgage Loan Purchase Agreement dated as of November __, 2005 between Financial Asset Securities Corp., as purchaser, and the Seller.

“Subsequent Mortgage Loans” shall mean, for purposes of this Agreement, the Subsequent Mortgage Loans listed in the Subsequent Mortgage Loan Schedule attached hereto as Schedule I.

“Subsequent Transfer Date” shall mean, with respect to the Subsequent Mortgage Loans transferred hereby, ___________, ____.

Section II.   Subsequent Mortgage Loan Schedule.  The Subsequent Mortgage Loan Schedule attached hereto as Schedule I is a supplement to the Mortgage Loan Schedule attached as Exhibit C to the Pooling and Servicing Agreement.  The Mortgage Loans listed in the Subsequent Mortgage Loan Schedule constitute the Subsequent Mortgage Loans to be transferred pursuant to this Agreement on the Subsequent Transfer Date.

Section III.  Transfer of Subsequent Mortgage Loans.  As of the related Cut-Off Date, subject to and upon the terms and conditions set forth in Sections 2.01, 2.04 

 

and 2.14 of the Pooling and Servicing Agreement and set forth in this Agreement and the Purchase Agreement, the Seller hereby irrevocably sells, transfers, assigns, sets over and otherwise conveys to the Trust without recourse other than as expressly provided herein and in the Pooling and Servicing Agreement, all the right, title and interest of the Seller in and to the (i) Subsequent Mortgage Loans delivered to the Trustee on the Subsequent Transfer Date, including  the related Cut-Off Date Principal Balance, all interest accruing thereon after the applicable Cut-Off Date and all collections in respect of principal received on or after the related Cut-Off Date (exclusive of payments in respect of interest accrued on the Subsequent Mortgage Loans through the related Due Date in the month in which the Cut-Off Date occurs); (ii) property which secured a Subsequent Mortgage Loan and which is acquired by
foreclosure or deed in lieu of foreclosure; (iii) interest of the Seller in any insurance policies in respect of the Subsequent Mortgage Loans; and (iv) all proceeds of any of the foregoing.

Section IV. Representations and Warranties of the Seller.  (a) The Seller hereby represents and warrants to the Trust that the representations and warranties of the Seller set forth in Section 3.1 of the Purchase Agreement and Sections 2.03 and 2.04 of the Pooling and Servicing Agreement are true and correct as of the Subsequent Transfer Date.

(b)  The Seller hereby affirms, as of the Subsequent Transfer Date, the representations and warranties set forth in the Purchase Agreement that relate to the Seller and the Subsequent Mortgage Loans including those representations and warranties that do not relate exclusively to Initial Mortgage Loans.

(c)  The Seller hereby represents and warrants that (i) the aggregate of the Principal Balances of the Subsequent Mortgage Loans listed on the Subsequent Mortgage Loan Schedule and conveyed to the Trust pursuant to this Agreement is $[_______] as of the related Cut-Off Date, and (ii) the conditions set forth in Section 2.14 of the Pooling and Servicing Agreement have been satisfied as of the Subsequent Transfer Date.

Section V.  Ratification of Agreement. As supplemented by this Agreement, the Purchase Agreement is in all respects ratified and confirmed and the Purchase Agreement, as so supplemented by this Agreement, shall be read, taken and construed as one and the same instrument.

Section VI.  Counterparts.  This Agreement may be executed in two or more counterparts (and by different parties in separate counterparts), each of which shall be an original but all of which together shall constitute one and the same instrument.

Section VII. Governing Law.  This Agreement shall be construed in accordance with the laws of the State of New York, without reference to its conflict of law provisions, and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws.

 

 

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized as of the day and year first above written.

OCEAN BANK, F.S.B.,

as Seller

 

By: ________________________________

	
             
 	
            Name:
 
	
             
 	
            Title:
 	
             

 

 

DEUTSCHE BANK NATIONAL TRUST COMPANY,

as Trustee

 

By: ________________________________

	
             
 	
            Name:
 
	
             
 	
            Title:
 	
             

 

 

 

EXHIBIT Q

SUBSEQUENT FUNDING PARAMETERS

Subsequent Loan Criteria.  Following the addition of the Subsequent Mortgage Loans, the Mortgage Pool (based on the related Cut-Off Dates) must be in compliance with the following characteristics:

	
             
 	
            Weighted Average Loan Rate
 	
            At least 7.80%
 
	
             
 	
            Weighted Average Margin
 	
            At least 6.50%
 

	
             
 	
            First Lien Original Balance < $50,000
 	
            Not more than 11.00%
 

	
             
 	
            Weighted Average Remaining Term to Stated Maturity
 	
            Not more than 335 months
 

Weighted Average Original Combined

Loan-to-Value Ratio                                          
                                            Not more than 70.00%

	
             
 	
            Combined Loan-to-Value > 85%
 	
            Not more than 2.00%
 

	
             
 	
            Fixed-Rate Mortgage Loans
 	
            Not more than 12.00%
 

	
             
 	
            Second Liens
 	
            Not more than 29.00%
 

	
             
 	
            Non-Owner Occupancy
 	
            Not more than 4.00%
 

	
             
 	
            Full Documentation
 	
            At least 100.00%
 

	
             
 	
            Two- to Four-Unit Residential Dwellings
 	
            Not more than 11.00%
 

	
             
 	
            Weighted Average FICO (Non-Zero)
 	
            At least 605
 

	
             
 	
            FICO Score (Non-Zero) < 560
 	
            Not more than 18.00%
 

	
             
 	
            Weighted Average Debt-to-Income Ratio
 	
            Not more than 42.00%
 

	
             
 	
            Debt-to-Income Ratio > 40%
 	
            Not more than 62.00%
 

	
             
 	
            Minimum Prepayment Penalty
 	
            At least 75.00%
 

	
             
 	
            Original Principal Balance > $300,000
 	
            Not more than 14.00%
 

	
             
 	
            New York State Concentration
 	
            Not more than 18.00%
 

	
             
 	
            New Jersey State Concentration
 	
            Not more than 20.00%
 

	
             
 	
            Top Three States Concentration
 	
            Not more than 45.00%
 

Weighted Average FICO Score (Non-Zero) for

	
             
 	
            Loans with Loan-to-Value > 80%
 	
            At least 610
 

FICO Score (Non-Zero) < 560 for Loans with 

	
             
 	
            Loan-to-Value > 80%
 	
            Not more than 12.00%
 

 

In addition, each Additional Mortgage Loan and Subsequent Mortgage Loan (based on the related Cut-Off Dates) will have the following characteristics:

 

 

 

	
             
 	
            Loan Rate
 	
            At least 5.00%
 

	
             
 	
            Original Combined Loan-to-Value
 	
            Not more than 90.00%
 

	
             
 	
            FICO Score (Non-Zero)
 	
            At least 451
 

	
             
 	
            Debt-to-Income Ratio
 	
            Not more than 57.00%
 

	
             
 	
            Original Principal Balance
 	
            Not more than $700,000
 

 

 

 

EXHIBIT R

FORM OF CORRIDOR CONTRACT

 

 

 

	
             

 

 
 	
            
 Financial Markets

280 Bishopsgate

London EC2M 4RB  
 
	
            Memorandum
 	
            November 29, 2005
 

 

	
            To
 	
            Deutsche Bank National Trust Company, not individually, but solely as Trustee under the Pooling and Servicing Agreement dated as of November 1, 2005 on behalf of Home Loan Mortgage Loan Trust 2005-1 Home Equity Loan Asset-Backed Certificates, Series 2005-1
 

 

	
            Address
 	
             

1761 East Saint Andrew Place
 Santa Ana, CA 92705
 Tel: 714-247-6000 
 Fax: 714-247-6285
 	
             

	
            Attention
 	
            Jennifer Vandyne
 
	
            CC:
 	
            Greenwich Capital Markets, Inc.
 
	
            Address
 	
            600 Steamboat Road
 Greenwich, CT 06830
 
	
            Attention
 	
            William Gougherty
 Tel: (203) 618-2406
 Fax: (203) 618-2580
 
	
            From:
 	
            The Royal Bank of Scotland plc
 

 

	
            Address
 	
            280 Bishopsgate 

London EC2M 4RB
 
	
            Attention
 	
            Legal Department – Derivatives Documentation
 Telephone: (203) 618-2531/2532

            Facsimile: (203) 618-2533/2534
 
	
            Reference Numbers
 	
            IRG6876530.2A.2B
 

 

Dear Sir/Madam,

The purpose of this letter agreement is to confirm the terms and conditions of the transaction entered into between Deutsche Bank National Trust Company, not individually, but solely as Trustee on behalf of Home Loan Mortgage Loan Trust 2005-1 Home Equity Loan Asset-Backed Certificates, Series 2005-1 and The Royal Bank of Scotland plc, acting through its agent, Greenwich Capital Markets, Inc. (each a “party” and together “the parties”) on the Trade Date specified below (the “Transaction”). This letter agreement constitutes a “Confirmation” as referred to in the Form Master Agreement 

 

specified below. In this Confirmation, “Party A” means The Royal Bank of Scotland plc, acting through its agent, Greenwich Capital Markets, Inc., and “Party B” means Deutsche Bank National Trust Company, not individually, but solely as Trustee on behalf of Home Loan Mortgage Loan Trust 2005-1 Home Equity Loan Asset-Backed Certificates, Series 2005-1.

The definitions and provisions contained in the 2000 ISDA Definitions, as published by the International Swaps and Derivatives Association, Inc. (the “Definitions”), are incorporated into this Confirmation. In the event of any inconsistency between the Definitions and this Confirmation, this Confirmation will govern.

Other capitalized terms used herein (but not otherwise defined) shall have the meaning specified in the Pooling and Servicing Agreement, dated as of November 1, 2005, among Financial Asset Securities Corp., as depositor, Ocean Bank, F.S.B., as a seller and servicer, and Deutsche Bank National Trust Company, as trustee (the “Pooling and Servicing Agreement”).

This Confirmation evidences a complete binding agreement between the parties as to the terms of the Transaction to which this Confirmation relates. In addition, the parties agree that for the purposes of this Transaction, this Confirmation will supplement, form a part of, and be subject to an agreement in the form of the 1992 ISDA Master Agreement (Multicurrency-Cross Border) as if the parties had executed an agreement in such form (but without any Schedule except for the elections noted below) on the Trade Date of the Transaction (such agreement, the “Form Master Agreement”). In the event of any inconsistency between the provisions of the Form Master Agreement and this Confirmation, this Confirmation will prevail for the purpose of this Transaction.

Each party represents to the other party and will be deemed to represent to the other party on the date on which it enters into this Transaction that (absent a written agreement between the parties that expressly imposes affirmative obligations to the contrary for that Transaction):

Non-Reliance 

Each party has made its own independent decisions to enter into this Transaction and as to whether this Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary. It is not relying on any communication (written or oral) of the other party as investment advice or as a recommendation to enter into this Transaction; it being understood that information and explanations related to the terms and conditions of this Transaction shall not be considered investment advice or a recommendation to enter into this Transaction. Further, such party has not received from the other party any assurance or guarantee as to the expected results of this Transaction.

Evaluation and Understanding

It is capable of evaluating and understanding (on its own behalf or through independent professional advice), and understands and accepts, the terms, conditions and risks of this Transaction. It is also capable of assuming, and assumes, the financial and other risks of this Transaction. 

Status of Parties

The other party is not acting as an agent, fiduciary or advisor for it in respect of this Transaction.

 

 

The terms of the particular Transaction to which this Confirmation relates are as follows:

 

	
            Notional Amount:
 	
             
 	
            With respect to any Calculation Period, the lesser of (i) the amount set forth on Schedule A attached hereto and (ii) the aggregate Class A Certificate Principal Balance immediately prior to the related Floating Rate Payer Payment Date.
 
	
            Trade Date:
 	
             
 	
            November 15, 2005
 
	
            Effective Date:
 	
             
 	
            November 29, 2005
 
	
            Termination Date:
 	
             
 	
            January 15, 2009, subject to adjustment in accordance with the Following Business Day Convention.
 
	
            Fixed Amounts:
 	
             
 	
             
 
	
            Fixed Rate Payer:
 	
             
 	
            Party B
 
	
            Fixed Rate Payer Payment Date:
 	
             
 	
            November 29, 2005
 
	
            Fixed Amount:
 	
             
 	
            USD 25,000
 
	
            Floating Amounts:
 	
             
 	
             
 
	
            Floating Rate Payer:
 	
             
 	
            Party A 
 
	
            Cap Rate:
 	
             
 	
            See Schedule A, attached hereto
 
	
            Floating Rate Payer Period 
 End Dates:
 	
             
 	
            The 15th day of each month of each year, commencing on December 15, 2005, through and including the Termination Date, subject to adjustment in accordance with the Following Business Day Convention.
 
	
            Floating Rate Payer Payment Dates:
 	
             
 	
            Early Payment shall be applicable. The Floating Rate Payer Payment Dates shall be one (1) Business Day prior to each Floating Rate Payer Period End Date.
 
	
            Floating Rate for Initial Calculation Period:
 	
             
 	
            To be determined. 
 
	
            Floating Rate Option:
 	
             
 	
            USD-LIBOR-BBA; provided, however, that if the Floating Rate Option for any Calculation Period is greater than 10.50000%, then the Floating Rate Option for such Calculation Period shall be deemed to be 10.50000%.
 
	
            Floating Amount:
 	
             
 	
            To be determined in accordance with the following formula: the greater of (i) (Floating Rate Option – Cap Rate) * Notional Amount * Floating Rate Day Count Fraction and (ii) zero.
 
	
            Designated Maturity:
 	
             
 	
            1 Month
 

 

 

 

 

	
            Spread:
 	
             
 	
            None
 
	
            Floating Rate Day Count Fraction:
 	
             
 	
            Actual/360
 
	
            Reset Dates:
 	
             
 	
            The first day of each Calculation Period. 
 
	
            Business Days for Payments:
 	
             
 	
            New York 
 
	
            Calculation Agent:
 	
             
 	
            Party A
 

Provisions Deemed Incorporated in a Schedule to the Form Master Agreement

	
             
 	
            Termination Provisions
 

	
             
 	
            (a)
 	
            “Specified Entity” means, in relation to Party A, for the purpose of Section 5(a)(v), Section 5(a)(vi), Section 5(a)(vii) and Section 5(b)(iv): Not Applicable.
 

	
             
 	
            (b)
 	
            “Specified Entity” means, in relation to Party B, for the purpose of Section 5(a)(v), Section 5(a)(vi), Section 5(a)(vii) and Section 5(b)(iv): Not Applicable.
 

	
             
 	
            (c)
 	
            The “Breach of Agreement” provisions of Section 5(a)(ii) of the Form Master Agreement will not apply to Party A or to Party B.
 

	
             
 	
            (d)
 	
            The “Credit Support Default” provisions of Section 5(a)(iii) of the Form Master Agreement will not apply to Party A or to Party B.
 

	
             
 	
            (e)
 	
            The “Misrepresentation” provisions of Section 5(a)(iv) of the Form Master Agreement will not apply to Party A or to Party B.
 

	
             
 	
            (f)
 	
            “Specified Transaction” is not applicable to Party A or Party B for any purpose, and accordingly, Section 5(a)(v) shall not apply to Party A or Party B.
 

	
             
 	
            (g)
 	
            The “Cross Default” provisions of Section 5(a)(vi) will not apply to Party A or Party B. 
 

	
             
 	
            (h)
 	
            The “Bankruptcy” provision of Section 5(a)(vii)(2) of the Form Master Agreement will not apply to Party A or to Party B.
 

	
             
 	
            (i)
 	
            The “Credit Event Upon Merger” provisions of Section 5(b)(iv) of the Form Master Agreement will not apply to Party A or to Party B.
 

	
             
 	
            (j)
 	
            The “Automatic Early Termination” provision of Section 6(a) of the Form Master Agreement will not apply to Party A or to Party B.
 

	
             
 	
            (k)
 	
            The Form Master Agreement will be governed by, and construed in accordance with, the laws of the State of New York without reference to its conflict of laws provisions (except for Sections 5-1401 and 5-1402 of the New York General Obligations Law). 
 

	
             
 	
            (l)
 	
            The phrase “Termination Currency” means United States Dollars.
 

	
             
 	
            (m)
 	
            For the purpose of Section 6(e) of the Form Master Agreement, Market Quotation and Second Method will apply.
 

Recording of Conversations

 

 

Each party to this Transaction acknowledges and agrees to the tape (and/or other electronic) recording of conversations between the parties to this Transaction whether by one or other or both of the parties or their agents.

Credit Support Document 

	
             
 	
            In relation to Party A:
 	
            Not Applicable.
 
	
             
 	
            In relation to Party B:
 	
            Not Applicable.
 

Credit Support Provider 

	
             
 	
            In relation to Party A:
 	
            Not Applicable.
 
	
             
 	
            In relation to Party B:
 	
            Not Applicable.
 

Account Details 

Account for payments to Party A:

USD

For the account of The Royal Bank of Scotland Financial Markets Fixed Income and Interest Rate Derivative Operations, London SWIFT RBOSGB2RTCM with JPMorgan Chase Bank, New York CHASUS33 Account Number 400930153/ABA 021000021

Account for payments to Party B:

Deutsche Bank Trust Company Americas

Swift: BKTRUS33

ABA#: 021001033

A/C#: 01419663

Acct name: NYLTD Funds Control/Stars West 

Ref.: Home Loan Mortgage Loan Trust 2005-1 

Offices 

The Office of Party A for this Transaction is:

London

The Office of Party B for this Transaction is:

Santa Ana, California

Additional Provisions 

Fully-Paid Transactions

Notwithstanding the terms of Sections 5 and 6 of the Form Master Agreement, if at any time and so long as Party B shall have satisfied in full all its payment and delivery obligations under Section 2(a)(i) of the Form Master Agreement and shall at the time have no future payment or delivery obligations, whether absolute or contingent, under such Section, then unless Party A is required pursuant to appropriate proceedings to return to Party B or otherwise returns to Party B (upon demand of Party B, or otherwise) any portion of any such payment or delivery: (i) the occurrence of an event described in Section 5(a) of the Form Master Agreement with respect to Party B shall 

 

not constitute an Event of Default or a Potential Event of Default with respect to Party B as the Defaulting Party; and (ii) Party A shall be entitled to designate an Early Termination Date pursuant to Section 6 of the Form Master Agreement only as a result of the occurrence of a Termination Event set forth in (i) either Section 5(b)(i) or 5(b)(ii) of the Form Master Agreement with respect to Party A as the Affected Party or (ii) Section 5(b)(iii) of the Form Master Agreement with respect to Party A as the Burdened Party.  For purposes of the Transaction to which this Agreement relates, Party B’s only obligation under Section 2(a)(i) of the ISDA Form Master Agreement is to pay the Fixed Amount on the Fixed Rate Payer Payment Date.

Proceedings

Party A shall not institute against or cause any other person to institute against or join any other person in instituting against Party B any bankruptcy, reorganization, arrangement, insolvency or liquidation proceedings, or other proceedings under any federal or state bankruptcy, dissolution or similar law, for a period of one year and one day (or, if different, the applicable preference period) following the indefeasible payment in full of the Certificates; provided that nothing herein shall preclude, or be deemed to estop Party A from taking any action in any case or proceeding voluntarily filed or commenced by or on behalf of Party B or in any involuntary case or proceeding after it has been commenced.

Set-off

Notwithstanding any provision of this Agreement or any other existing or future agreement, each party irrevocably waives any and all rights it may have to set off, net, recoup or otherwise withhold or suspend or condition payment or performance of any obligation between it and the other party hereunder against any obligation between it and the other party under any other agreements. The provisions for Set-off set forth in Section 6(e) of the Form Master Agreement shall not apply for purposes of this Transaction.

Tax Representations

Payer Representations. For the purpose of Section 3(e) of the Form Master Agreement, Party A and Party B make the following representations:

It is not required by any applicable law, as modified by the practice of any relevant governmental revenue authority of any Relevant Jurisdiction to make any deduction or withholding for or on account of any Tax from any payment (other than interest under Section 2(e), 6(d)(ii) or 6(e) of the Form Master Agreement) to be made by it to the other party under this Confirmation. In making this representation, it may rely on (i) the accuracy of any representations made by the other party pursuant to Section 3(f) of the Form Master Agreement, (ii) the satisfaction of the agreement contained in Section 4(a)(i) or 4(a)(iii) of this Agreement and the accuracy and effectiveness of any document provided by the other party pursuant to Section 4(a)(i) or 4(a)(iii) of the Form Master Agreement and (iii) the satisfaction of the agreement of the other party contained in Section
4(d) of the Form Master Agreement, provided that it shall not be a breach of this representation where reliance is placed on clause (ii) and the other party 

 

does not deliver a form or document under Section 4(a)(iii) by reason of material prejudice of its legal or commercial position.

Payee Representations. For the purpose of Section 3(f) of the Form Master Agreement, Party A makes the following representation:

Each payment received or to be received by it in connection with this Agreement in respect of the Transaction will be effectively connected with its conduct of a trade or business in the United States.

Waiver of Right to Trial by Jury

EACH PARTY HEREBY IRREVOCABLY WAIVES ANY AND ALL RIGHTS TO TRIAL BY JURY WITH RESPECT TO ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS TRANSACTION.

Eligible Contract Participant 

Each party represents to the other party that it is an “eligible contract participant” as defined in Section 1a(12) of the U.S. Commodity Exchange Act, as amended.

Notice by Facsimile Transmission

Section 12(a) is amended by adding in the third line thereof after the phrase “messaging system” and before the “)” the words “;provided, however, any such notice or other communication may be given by facsimile transmission (it being agreed that the burden of proving receipt will be on the sender and will not be met by a transmission report generated by the sender’s facsimile machine)”.

Multibranch Party

For purpose of Section 10(c) of the Form Master Agreement: (a) Party A is a Multibranch Party; and (b) Party B is not a Multibranch Party.  

Other provisions 

	
             
 	
            (a)
 	
            Addresses for notices. As set forth on page 1 hereof.
 

	
             
 	
            (b)
 	
            For the purpose of Section 13(c) of the Form Master Agreement: (i) Party A appoints as its Process Agent, not applicable; and (ii) Party B appoints as its Process Agent, not applicable.
 

	
             
 	
            (c)
 	
            Section 12(a)(ii) of the Form Master Agreement is deleted in its entirety. 
 

	
             
 	
            (d)
 	
            Documents to be Delivered. For the purpose of Section 4(a) of the Form Master Agreement:
 

 

 

 

 

	
            Party required to deliver document
 	
            Form/Document/Certificate
 	
            Date by which to be delivered
 	
            Covered by Section 3(d) Representation
 
	
            Party A and Party B
 	
            A certificate of an authorized officer of the party, as to the incumbency and authority of the respective officers of the party signing this Confirmation

 
 	
            Upon the execution and delivery of this Confirmation
 	
            Yes
 

 

	
            Party A and Party B
 	
            Any document required or reasonably requested to allow the other party to make payments under this Transaction without any deduction or withholding for or on account of any Tax, or with such deduction or withholding at a reduced rate
 	
            As soon as possible or upon demand
 	
            No
 

 

	
             
 	
            (e)
 	
            Limitation of Liability
 

It is expressly understood and agreed by the parties hereto that (a) this letter agreement is executed and delivered by Deutsche Bank National Trust Company (“Deutsche Bank”), not individually or personally but solely as the Trustee, in the exercise of the powers and authority conferred and vested in it under the Pooling and Servicing Agreement, (b) the representations, undertakings and agreements herein are made on the part of the Trust created pursuant to the Pooling and Servicing Agreement are made and intended not as personal representations, undertakings and agreements by Deutsche Bank but are made and intended for the purpose of binding only the Trust created pursuant to the Pooling and Servicing Agreement, (c) nothing herein contained shall be construed as creating any liability on Deutsche Bank,
individually or personally, to perform any covenant either expressed or implied contained herein, all such liability, if any, being expressly waived by the parties who are signatories to this letter agreement and by any person claiming by, through or under such parties, and (d) under no circumstances shall Deutsche Bank be personally liable for the payment of any indebtedness or expenses of the Trust or be liable for the breach or failure of any obligation, representation, warranty or covenant made or undertaken by Party B under this letter agreement. 

	
             
 	
            (f)
 	
            This letter agreement may be executed in several counterparts, each of which shall be deemed an original but all of which together shall constitute one and the same instrument.
 

 

 

	
             
 	
            (g)
 	
            USA PATRIOT Act Notice.  Party A hereby notifies Party B that pursuant to the requirements of the USA PATRIOT ACT (Title III of Pub. L. 107-56 (signed into law October 26, 2001)) (the “Act”), it is required to obtain, verify and record information that identifies Party B, which information includes the name and address of Party B and other information that will allow Party A to identify Party B in accordance with the Act.
 

	
             
 	
            (h)
 	
            Agency Role of Greenwich Capital Markets, Inc. This Transaction has been entered into by Greenwich Capital Markets, Inc., as agent for The Royal Bank of Scotland plc. Greenwich Capital Markets, Inc. has not guaranteed and is not otherwise responsible for the obligations of Party A under this Transaction.
 

	
             
 	
            (i)
 	
            Netting of Payments.  The parties agree that subparagraph (ii) of Section 2(c) of the Form Master Agreement will apply to any Transaction.
 

	
             
 	
            (j)
 	
            “Affiliate”.  Party B shall be deemed not to have any Affiliates for purposes of this Agreement, including for purposes of Section 6(b)(ii).
 

	
             
 	
            (k)
 	
            Severability.  If any term, provision, covenant, or condition of this Agreement, or the application thereof to any party or circumstance, shall be held to be invalid or unenforceable (in whole or in part) for any reason, the remaining terms, provisions, covenants, and conditions hereof shall continue in full force and effect as if this Agreement had been executed with the invalid or unenforceable portion eliminated, so long as this Agreement as so modified continues to express, without material change, the original intentions of the parties as to the subject matter of this Agreement and the deletion of such portion of this Agreement will not substantially impair the respective benefits or expectations of the parties. 
 

The parties shall endeavor to engage in good faith negotiations to replace any invalid or unenforceable term, provision, covenant or condition with a valid or enforceable term, provision, covenant or condition, the economic effect of which comes as close as possible to that of the invalid or unenforceable term, provision, covenant or condition.

 

 

THE ROYAL BANK OF SCOTLAND PLC

By: Greenwich Capital Markets, Inc., its agent

By: ________________________________________

 

Authorized Signatory

 

Confirmed as of the date above;

Deutsche Bank National Trust Company, not individually but solely as Trustee under the Pooling and Servicing Agreement, dated as of November 1, 2005 on behalf of Home Loan Mortgage Loan Trust 2005-1 Home Equity Loan Asset-Backed Certificates, Series 2005-1

 

	
            By
 	
            _______________________________
 
	
             
 	
            Name:
 	
             

	
             
 	
            Title:
 	
             

				

 

 

SCHEDULE A

Our Reference Numbers: IRG6876530.2A.2B

	
            From and including[1]
 	
            To but excluding1
 	
            Notional
 Amount 
 (USD)
 	
            
 Cap
 Rate (%)
 
	
            11/29/2005
 	
            12/15/2005
 	
            170,000,000.00
 	
            8.70060
 
	
            12/15/2005
 	
            1/15/2006
 	
            166,688,509.00
 	
            6.06224
 
	
            1/15/2006
 	
            2/15/2006
 	
            162,353,255.00
 	
            6.03927
 
	
            2/15/2006
 	
            3/15/2006
 	
            158,145,752.00
 	
            7.65568
 
	
            3/15/2006
 	
            4/15/2006
 	
            153,471,798.00
 	
            6.91457
 
	
            4/15/2006
 	
            5/15/2006
 	
            148,935,575.00
 	
            7.14482
 
	
            5/15/2006
 	
            6/15/2006
 	
            144,533,029.00
 	
            6.91411
 
	
            6/15/2006
 	
            7/15/2006
 	
            140,260,228.00
 	
            7.14434
 
	
            7/15/2006
 	
            8/15/2006
 	
            136,113,354.00
 	
            6.91364
 
	
            8/15/2006
 	
            9/15/2006
 	
            132,088,702.00
 	
            6.91340
 
	
            9/15/2006
 	
            10/15/2006
 	
            128,182,675.00
 	
            7.14360
 
	
            10/15/2006
 	
            11/15/2006
 	
            124,391,782.00
 	
            6.91292
 
	
            11/15/2006
 	
            12/15/2006
 	
            120,712,636.00
 	
            7.14655
 
	
            12/15/2006
 	
            1/15/2007
 	
            117,142,017.00
 	
            6.91577
 
	
            1/15/2007
 	
            2/15/2007
 	
            113,676,661.00
 	
            6.91552
 
	
            2/15/2007
 	
            3/15/2007
 	
            110,313,469.00
 	
            7.65619
 
	
            3/15/2007
 	
            4/15/2007
 	
            107,049,434.00
 	
            6.91501
 
	
            4/15/2007
 	
            5/15/2007
 	
            103,881,639.00
 	
            7.14525
 
	
            5/15/2007
 	
            6/15/2007
 	
            100,807,250.00
 	
            6.99306
 
	
            6/15/2007
 	
            7/15/2007
 	
            97,825,685.00
 	
            7.31860
 
	
            7/15/2007
 	
            8/15/2007
 	
            94,933,785.00
 	
            7.86615
 
	
            8/15/2007
 	
            9/15/2007
 	
            92,136,677.00
 	
            8.07629
 
	
            9/15/2007
 	
            10/15/2007
 	
            89,424,262.00
 	
            8.35301
 
	
            10/15/2007
 	
            11/15/2007
 	
            86,791,602.00
 	
            8.08237
 
	
            11/15/2007
 	
            12/15/2007
 	
            84,236,167.00
 	
            8.38721
 
	
            12/15/2007
 	
            1/15/2008
 	
            81,756,451.00
 	
            8.56306
 
	
            1/15/2008
 	
            2/15/2008
 	
            79,354,918.00
 	
            8.92229
 
	
            2/15/2008
 	
            3/15/2008
 	
            77,026,572.00
 	
            9.88482
 
	
            3/15/2008
 	
            4/15/2008
 	
            74,769,657.00
 	
            9.24850
 
	
            4/15/2008
 	
            5/15/2008
 	
            72,578,693.00
 	
            9.55440
 
	
            5/15/2008
 	
            6/15/2008
 	
            70,451,691.00
 	
            9.30202
 
	
            6/15/2008
 	
            7/15/2008
 	
            68,387,612.00
 	
            9.84487
 
	
            7/15/2008
 	
            8/15/2008
 	
            66,385,771.00
 	
            9.88693
 
	
            8/15/2008
 	
            9/15/2008
 	
            64,444,444.00
 	
            10.08699
 
	
            9/15/2008
 	
            10/15/2008
 	
            62,561,056.00
 	
            10.42997
 
	
            10/15/2008
 	
            11/15/2008
 	
            60,732,608.00
 	
            10.09039
 
	
            11/15/2008
 	
            12/15/2008
 	
            58,957,389.00
 	
            10.46845
 
	
            12/15/2008
 	
            1/15/2009
 	
            57,234,388.00
 	
            10.36537
 

 

_________________________

	
            [1] 
 	
            Subject to Following Business Day convention

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00094-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00094-of-00352.parquet"}]]