Document:

SWDocIDFinancial Guaranty Insurance Company
125 Park Avenue
New York, New York 10017
(212) 312-3000
(800) 352-0001

SURETY BOND

Form 9133
Page 1 of 4

Issuer: Home Equity Loan Trust 2002-HS3                 Policy Number:  02030024
                                                        Control Number:  0010001

Insured Obligations:
$207,500,000 in principal amount of Home Equity  Loan-Backed Term Notes,  Series
2002-HS3,  Class A-II and Variable Funding Notes with a Maximum Variable Funding
Balance of $56,098,402 (collectively, the "Class II Notes")

Indenture Trustee:  JPMorgan Chase Bank

Financial Guaranty Insurance Company  ("Financial  Guaranty"),  a New York stock
insurance  company,  in  consideration  of the right of  Financial  Guaranty  to
receive  monthly  premiums  pursuant to the Indenture (as defined below) and the
Insurance Agreement referred to therein, and subject to the terms of this Surety
Bond, hereby  unconditionally and irrevocably agrees to pay each Group II Credit
Enhancement  Draw  Amount,  to the  extent  set forth in the  Indenture,  to the
Indenture  Trustee named above or its  successor,  as indenture  trustee for the
Holders  of the Class II Notes,  and any  Preference  Amount to the  appropriate
party pursuant to the terms of this Surety Bond.  Capitalized terms used and not
otherwise  defined  herein  shall have the  meanings  assigned  to such terms in
Appendix A to the Indenture as in effect and executed on the date hereof.

The term "Group II Credit Enhancement Draw Amount" shall mean an amount, if any,
equal to (1) on any Payment  Date other than the Insured  Undercollateralization
Payment Date, the Dissolution  Payment Date or the Final Scheduled  Payment Date
for the Class II Notes,  the sum of (a) the amount by which accrued  interest on
the Class II Notes,  at the  applicable  Note Rates on such Payment Date exceeds
the amount on deposit in the Payment Account  available for interest payments on
the Class II Notes on such Payment Date  (exclusive of any Basis Risk Shortfalls
and any Relief Act  Shortfalls),  (b) the amount by which any  Liquidation  Loss
Distribution  Amount with  respect to the Class II Notes  exceeds the sum of (x)
the amount on deposit in the Payment Account available for payments with respect
to Liquidation Loss  Distribution  Amounts on the Class II Notes on such Payment
Date and (y) the Group II  Overcollateralization  Amount for such  Payment  Date
(calculated without giving effect to any reductions relating to such Liquidation
Loss  Distribution  Amounts)  and (c) any Excess Loss Amount with respect to the
Class II Notes; (2) with respect to the Insured  Undercollateralization  Payment
Date,  the amount,  if any, by which the Security  Balance of the Class II Notes
exceeds  the  Pool  Balance  of the  Group II  Loans,  as of the last day of the
related  Collection  Period (after giving effect to the application of principal
payments on such Insured  Undercollateralization Payment Date), (3) with respect
to the Dissolution  Payment Date, the amount of the Dissolution Draw relating to

                                       1
<PAGE>

the Class II Notes  payable to the Holders of the Class II Notes  following  the
sale,  liquidation or other  disposition of the assets of the Owner Trust Estate
in connection  with the  liquidation of the Trust Estate as permitted  under the
Indenture  following an Event of Default  thereunder and (4) with respect to the
Final  Scheduled  Payment  Date for the Class II Notes,  the amount by which the
Security  Balances on the Class II Notes,  and any  accrued and unpaid  interest
thereon  (exclusive of any Basis Risk  Shortfalls and any Relief Act Shortfalls)
to the extent not previously paid, exceeds the payments  otherwise  available to
be made to the Holders thereof on the Final Scheduled Payment Date.

The term  "Final  Scheduled  Payment  Date" for each Class of the Class II Notes
means the Payment Date occurring in August 2032.

Financial  Guaranty  will pay a Group II Credit  Enhancement  Draw  Amount  with
respect to the Class II Notes by 12:00 noon (New York City Time) in  immediately
available funds to the Indenture Trustee on the later of (i) the second Business
Day following the Business Day on which  Financial  Guaranty shall have received
Notice that a Group II Credit  Enhancement  Draw Amount is due in respect of the
Class II Notes and (ii) the Payment  Date on which the  related  Group II Credit
Enhancement Draw Amount is payable to the Holders of the Class II Notes pursuant
to the Indenture,  for  disbursement to the Holders of the Class II Notes in the
same manner as other payments with respect to the Class II Notes are required to
be made.  Any Notice  received by Financial  Guaranty  after 12:00 noon New York
City time on a given Business Day or on any day that is not a Business Day shall
be deemed to have been  received by  Financial  Guaranty on the next  succeeding
Business Day.

Upon payment of a Group II Credit  Enhancement Draw Amount,  Financial  Guaranty
shall be fully  subrogated to the rights of the Holders of the Class II Notes to
receive the amount so paid. Financial Guaranty's obligations with respect to the
Class II Notes  hereunder  with respect to each Payment Date shall be discharged
to the extent funds  consisting of the related Group II Credit  Enhancement Draw
Amount are  received  by the  Indenture  Trustee on behalf of the Holders of the
Class II Notes for payment to such  Holders,  as provided in the  Indenture  and
herein, whether or not such funds are properly applied by the Indenture Trustee.

If any  portion  or all of  any  amount  that  is  insured  hereunder  that  was
previously  distributed  to a  Holder  of Class  II  Notes  is  recoverable  and
recovered  from such Holder as a voidable  preference by a trustee in bankruptcy
pursuant to the U.S. Bankruptcy Code, pursuant to a final  non-appealable  order
of a court exercising proper jurisdiction in an insolvency  proceeding (a "Final
Order") (such recovered amount, a "Preference Amount"),  Financial Guaranty will
pay on the guarantee described in the first paragraph hereof, an amount equal to
each such  Preference  Amount by 12:00 noon on the next  Payment  Date after the
Business Day following receipt by Financial  Guaranty of (x) a certified copy of
the Final Order, (y) an assignment, in form reasonably satisfactory to Financial
Guaranty,  irrevocably  assigning to Financial Guaranty all rights and claims of
the  Indenture  Trustee  and/or  such  Holder of Class II Notes  relating  to or

                                       2
<PAGE>

arising under such Preference  Amount and appointing  Financial  Guaranty as the
agent of the Indenture  Trustee and/or such Holder in respect of such Preference
Amount, and (z) a Notice  appropriately  completed and executed by the Indenture
Trustee or such Holder,  as the case may be. Such  payment  shall be made to the
receiver,  conservator,  debtor-in-possession  or trustee in bankruptcy named in
the Final  Order and not to the  Indenture  Trustee  or Holder of Class II Notes
directly  (unless the Holder has  previously  paid such amount to such receiver,
conservator,  debtor-in-possession or trustee named in such Final Order in which
case payment  shall be made to the  Indenture  Trustee for  distribution  to the
Holder  upon  proof  of  such  payment  reasonably   satisfactory  to  Financial
Guaranty).  Notwithstanding the foregoing,  in no event shall Financial Guaranty
be (i)  required  to make any  payment  under this Surety Bond in respect of any
Preference  Amount to the extent such Preference  Amount is comprised of amounts
previously paid by Financial Guaranty  hereunder,  or (ii) obligated to make any
payment in respect of any Preference Amount,  which payment represents a payment
of the  principal  amount  of any Class II  Notes,  prior to the time  Financial
Guaranty otherwise would have been required to make a payment in respect of such
principal,  in which  case  Financial  Guaranty  shall  pay the  balance  of the
Preference Amount when such amount otherwise would have been required.

Any of the  documents  required  under  clauses (x) through (z) of the preceding
paragraph that are received by Financial Guaranty after 12:00 noon New York City
time on a given  Business  Day or on any day that is not a Business Day shall be
deemed  to have been  received  by  Financial  Guaranty  on the next  succeeding
Business  Day. All payments made by Financial  Guaranty  hereunder in respect of
Preference Amounts will be made with Financial Guaranty's own funds.

This Surety Bond is non-cancelable for any reason,  including  nonpayment of any
premium.  The  premium on this  Surety  Bond is not  refundable  for any reason,
including  the  payment  of  any  Class  II  Notes  prior  to  their  respective
maturities.  This Surety Bond shall expire and  terminate  without any action on
the part of Financial Guaranty or any other Person on the date that is the later
of (i) the date  that is one year and one day  following  the date on which  the
Class  II  Notes  shall  have  been  paid in  full  and  (ii) if any  insolvency
proceeding  with respect to which the Depositor is the debtor has been commenced
on or prior to the date  specified  in clause (i) above,  the 30th day after the
entry of a final,  non-appealable  order in  resolution  or  settlement  of such
proceeding.

A monthly  premium  shall be due and  payable  in  arrears  as  provided  in the
Indenture and the Insurance Agreement.

This Surety Bond is subject to and shall be governed by the laws of the State of
New York.  The proper  venue for any action or  proceeding  on this  Surety Bond
shall be the County of New York,  State of New York.  The insurance  provided by
this  Surety  Bond is not  covered by the New York  Property/Casualty  Insurance
Security Fund (New York Insurance Code, Article 76).

                                       3
<PAGE>

"Notice"  means a written notice in the form of Exhibit A to this Surety Bond by
registered or certified mail or telephonic or telegraphic  notice,  subsequently
confirmed by written notice delivered via telecopy,  telex or hand delivery from
the Indenture Trustee to Financial Guaranty specifying the information set forth
therein.  "Holder"  means, as to a particular  Class II Note, the person,  other
than the Issuer,  the Master  Servicer,  any subservicer  retained by the Master
Servicer or the Depositor who, on the applicable Payment Date, is entitled under
the terms of such  Class II Note to a  payment  thereon.  "Indenture"  means the
Indenture  relating to the Class II Notes by and between  Home Equity Loan Trust
2002-HS3, as Issuer, and JPMorgan Chase Bank, as Indenture Trustee,  dated as of
September  27, 2002.  "Insurance  Agreement"  means the  Insurance and Indemnity
Agreement, among Financial Guaranty, Residential Funding Mortgage Securities II,
Inc.,  Residential Funding Corporation,  Home Equity Loan Trust 2002-HS3 and the
Indenture Trustee,  dated as of September 27, 2002.  "Servicing Agreement" means
the Servicing  Agreement relating to the Class II Notes by and among Residential
Funding  Corporation,  as Master Servicer,  Home Equity Loan Trust 2002-HS3,  as
Issuer, and the Indenture Trustee, dated as of September 27, 2002.

In the event  that  payments  under any Class II Note are  accelerated,  nothing
herein  contained  shall  obligate  Financial  Guaranty  to make any  payment of
principal or interest on such Class II Note on an accelerated basis, unless such
acceleration of payment by Financial Guaranty is at the sole option of Financial
Guaranty;  it being  understood  that a  payment  shortfall  in  respect  of the
redemption of any Class II Note by reason of the  repurchase of the Trust Estate
pursuant  to  Section  8.08  of the  Servicing  Agreement  does  not  constitute
acceleration for the purposes hereof.

IN WITNESS WHEREOF, Financial Guaranty has caused this Surety Bond to be affixed
with its  corporate  seal and to be signed  by its duly  authorized  officer  in
facsimile to become  effective and binding upon Financial  Guaranty by virtue of
the countersignature of its duly authorized representative.

/s/ Deborah M. Reif                           /s/Martin Joyce
President                                    Authorized Representative

Effective Date:  September 27, 2002

                                       4
<PAGE>

                                    EXHIBIT A

                              NOTICE OF NONPAYMENT
                             AND DEMAND FOR PAYMENT

To:            Financial Guaranty Insurance Company
               125 Park Avenue
               New York, New York 10017
               Attention:    General Counsel

               Telephone: (212) 312-3000
               Telecopier:  (212) 312-3220

Re:
              $207,500,000 in principal  amount of Home Equity  Loan-Backed Term
              Notes, Series 2002-HS3, Class A-II and Variable Funding Notes with
              a Maximum Variable  Funding Balance of $56,098,402  (collectively,
              the "Class II Notes")

               Policy No:  02030024 (the "Surety Bond")

Payment Date/Final Scheduled Payment Date/Dissolution Payment Date/Insured
Undercollateralization Payment Date:        ________________

We refer to that  certain  Indenture,  dated as of September  27,  2002,  by and
between Home Equity Loan Trust 2002-HS3,  as Issuer, and JPMorgan Chase Bank, as
Indenture Trustee (the  "Indenture"),  relating to the above referenced Class II
Notes. All capitalized  terms not otherwise defined herein or in the Surety Bond
shall have the same respective  meanings assigned to such terms in Appendix A to
the Indenture.

(a)  The Indenture Trustee has determined under the Indenture that in respect of
     the Payment Date:

        (1)    The  insured  portion  of the  payment  on the  Class II Notes in
               respect of the  Payment  Date that is due to be  received  on the
               Payment Date  specified  above under the  Indenture,  is equal to
               $_____________, consisting of

               (A)    $  ___________  in  respect  of  interest  on the Class II
                      Notes, which is calculated as the amount by which:

                      (i)    $____________, constituting the aggregate amount of
                             accrued  interest on the Class II Notes,  excluding
                             any   Relief   Act   Shortfalls   and  Basis   Risk
                             Shortfalls, for the Payment Date; exceeds

                      (ii)   $___________, representing the amount on deposit in
                             the Payment Account available for interest payments
                             to the Class II Notes on the Payment Date; plus

                                       5
<PAGE>

               (B)    $_____________  in  respect of  principal  of the Class II
                      Notes, which is calculated as the amount by which:

                    (i)  Liquidation  Loss  Amounts with respect to the Group II
                         Loans for the Payment  Date,  which  total  $_________,
                         exceed

                      (ii)   the sum of

                    (x)  $___________,   representing   the   Liquidation   Loss
                         Distribution  Amount  for the  Group II  Loans  for the
                         Payment Date; and

                    (y)  $____________, representing the amount of the reduction
                         in the Group II  Overcollateralization  Amount  for the
                         Payment Date.

               (C)    $_____________  in  respect  of  the  Excess  Loss  Amount
                      relating to the Group II Loans, which is calculated as the
                      sum of the following:

                      (i)    $_________,  representing  Special Hazard Losses on
                             the Group II Loans that,  when added with all other
                             Special  Hazard  Losses on the Group II Loans  from
                             the  Closing  Date,  are in excess  of the  Special
                             Hazard Amount for the Group II Loans;

                      (ii)   $_________,  representing Fraud Losses on the Group
                             II Loans  that,  when  added  with all other  Fraud
                             Losses on the Group II Loans from the Closing Date,
                             are in excess of the Fraud  Amount for the Group II
                             Loans for such Payment Date;

                      (iii)  $_________,  representing  Bankruptcy Losses on the
                             Group II Loans  that,  when  added  with all  other
                             Bankruptcy  Losses on the  Group II Loans  from the
                             Closing  Date,  are in  excess  of  the  Bankruptcy
                             Amount for the Group II Loans;

                    (iv) $_________,  representing  losses on the Group II Loans
                         that result from an Extraordinary Event; and

                      (v)    $_________,  representing  Liquidation Loss Amounts
                             that,  when added with all other  Liquidation  Loss
                             Amounts on the Group II Loans from the Closing Date
                             (other  than  losses of the types in clauses  (i) -
                             (iv) above), are in excess of 11.25% of the Cut-off
                             Date Loan Balance for the Group II Loans.

        (2) [The  amount to be paid to the  Holders of the Class II Notes on the
        Dissolution Payment Date, which is in excess of amounts available in the
        Payment  Account for payment to the  then-outstanding  Class II Notes is
        $____________.]

                                       6
<PAGE>

        (3) [The  amount to be paid to the  Holders of the Class II Notes on the
        Final Scheduled Payment Date, which is in excess of amounts available in
        the Payment Account for payment to the  then-outstanding  Class II Notes
        is $____________.]

        (4) [On an Insured  Undercollateralization  Payment Date, $____________,
        the  Undercollateralization  Amount,  to be paid to the  Holders  of the
        Class II Notes on the such date,  which is equal to the amount,  if any,
        by which:

               (x)    the  aggregate  Security  Balance  of the  Class  II Notes
                      (after   application   of  Net  Principal   Collection  or
                      Principal Collections) $_____________, exceeds

                    (y)  the Pool  Balance  of the Group II Loans as of the last
                         day of the related Collection Period $____________.]

[In addition,  attached hereto is a copy of the Final Order in connection with a
Preference  Amount in the amount set forth therein,  together with an assignment
of rights  and  appointment  of agent.  The amount of the  Preference  Amount is
$______________.]

        Please be advised that, accordingly,  a Group II Credit Enhancement Draw
Amount exists for the Payment Date identified  above for the Class II Notes and,
pursuant to the Indenture,  this statement constitutes a notice for payment of a
Group II  Credit  Enhancement  Draw  Amount  by the  Insurer  in the  amount  of
$__________.  This  Group II Credit  Enhancement  Draw  Amount is payable by the
Insurer under the Surety Bond.

(b)  No payment  claimed  hereunder is in excess of the amount payable under the
     Surety Bond.

The amount requested in this Notice should be paid to: [Payment Instructions]

Any person who  knowingly  and with intent to defraud any  insurance  company or
other person files an application for insurance or statement of claim containing
any  materially  false  information  or conceals for the purpose of  misleading,
information concerning any fact material thereto, commits a fraudulent insurance
act,  which is a crime,  and shall  also be subject  to a civil  penalty  not to
exceed Five Thousand  Dollars  ($5,000.00) and the stated value of the claim for
each such violation.

        IN WITNESS  WHEREOF,  the  Indenture  Trustee has executed and delivered
this  Notice  of   Nonpayment   and  Demand  for  Payment   this  _____  day  of
______________________.

                                    ----------------------------------------,
                              as Indenture Trustee

                                    By:     ___________________________________

                                    Title:  ___________________________________

                                       7
<PAGE>EXECUTION COPY

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

                        RESIDENTIAL ACCREDIT LOANS, INC.,

                                    Company,

                        RESIDENTIAL FUNDING CORPORATION,

                                Master Servicer,

                                       and

                      DEUTSCHE BANK TRUST COMPANY AMERICAS,

                                     Trustee

                               SERIES SUPPLEMENT,

                         DATED AS OF SEPTEMBER 1, 2002,

                                       TO

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

                 Mortgage Asset-Backed Pass-Through Certificates

                                Series 2002-QS12

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

<PAGE>

<TABLE>
<CAPTION>

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

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

        Section 1.02.  Use of Words and Phrases............................................15

        Section 1.03.  Determination of LIBOR..............................................15

Article II   CONVEYANCE OF MORTGAGE LOANS; ORIGINAL

              ISSUANCE OF CERTIFICATES.....................................................17

        Section 2.01.   Conveyance of Mortgage Loans.

                      (See Section 2.01 of the Standard Terms).............................17

        Section 2.02.   Acceptance by Trustee.  (See Section 2.02 of the Standard
                      Terms)...............................................................17

        Section 2.03.   Representations, Warranties and Covenants of the

                      Master Servicer and the Company......................................17

        Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of
                      the Standard Terms)..................................................20

        Section 2.05. Execution and Authentication of Certificates/Issuance of
                      Certificates Evidencing Interests in REMIC I Certificates............20

        Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular
                      Interests; Acceptance by the Trustee.................................20

        Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.............20

        Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the
                      Standard Terms)......................................................20

Article III  ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................21

Article IV  PAYMENTS TO CERTIFICATEHOLDERS.................................................22

        Section 4.01. Certificate Account.  (See Section 4.01 of the Standard Terms).......22

        Section 4.02. Distributions. ......................................................22

        Section 4.03. Statements to Certificateholders; Exchange Act Reporting. ...........33

        Section 4.04. Distribution of Reports to the Trustee and the Company;
                      Advances by the Master Servicer. (See Section 4.04 of the
                      Standard Terms)......................................................34

        Section 4.05. Allocation of Realized Losses. ......................................34

        Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property.
                      (See Section 4.06 of the Standard Terms).............................36

        Section 4.07. Optional Purchase of Defaulted Mortgage Loans.  (See Section
                      4.07 of the Standard Terms)..........................................36

        Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................36

Article V       THE CERTIFICATES...........................................................37

                                        i

<PAGE>

        Section 5.01. The Certificates.  (See Section 5.01 of the Standard Terms)..........37

        Section 5.02. Registration of Transfer and Exchange of Certificates................37

        Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (See Section
                      5.03 of the Standard Terms)..........................................37

        Section 5.04. Persons Deemed Owners. (See Section 5.04 of the Standard Terms)......37

        Section 5.05. Appointment of Paying Agent. (See Section 5.05 of the Standard
                      Terms)...............................................................37

Article VI     THE COMPANY AND THE MASTER SERVICER.........................................38

Article VII    DEFAULT.....................................................................39

Article VIII   CONCERNING THE TRUSTEE......................................................40

Article IX     TERMINATION.................................................................41

Article X       REMIC PROVISIONS...........................................................42

        Section 10.01.REMIC Administration.  (See Section 10.01 of the Standard Terms).....42

        Section 10.02.Master Servicer; REMIC Administrator and Trustee
                      Indemnification.  (See Section 10.02 of the Standard Terms)..........42

        Section 10.03.Designation of REMICs................................................42

        Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II
                      Regular Interests....................................................42

        Section 10.05.Compliance with Withholding Requirements.............................44

Article XI   MISCELLANEOUS PROVISIONS......................................................45

        Section 11.01.Amendment.  (See Section 11.01 of the Standard Terms)................45

        Section 11.02.Recordation of Agreement;  Counterparts.  (See Section 11.02 of
                      the Standard Terms)..................................................45

        Section 11.03.Limitation on Rights of Certificateholders.  (See Section 11.03
                      of the Standard Terms)...............................................45

        Section 11.04.Governing Laws.  (See Section 11.04 of the Standard Terms)...........45

        Section 11.05.Notices..............................................................45

        Section 11.06.Required Notices to Rating Agency and Subservicer.  (See
                      Section 11.06 of the Standard Terms).................................46

        Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard
                      Terms)...............................................................46

        Section 11.08.Supplemental Provisions for Resecuritization.  (See Section
                      11.08 of the Standard Terms).........................................46

        Section 11.09.Allocation of Voting Rights..........................................46

        Section 11.10.No Petition..........................................................46
</TABLE>

                                        ii

<PAGE>

                                    EXHIBITS

Exhibit One:          Mortgage Loan Schedule
Exhibit Two:          Schedule of Discount Fractions
Exhibit Three:        Information to be Included in
                      Monthly Distribution Date Statement
Exhibit Four:         Standard Terms of Pooling and Servicing
                      Agreement Dated as of August 1, 2002
Exhibit Five:..       Form of Form 10-K Certification

                                        iii

<PAGE>

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

                             PRELIMINARY STATEMENT:

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

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

                                       1
<PAGE>

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

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

                                               Senior/Accretion
<S>     <C>                                                                 <C>
                                     Directed/Fixed    September 25,
Class A-1         5.00%     $50,000,000.00           Rate              2032        AAA/AAA     $25,000.00
Class A-2      Adjustable   $50,000,000.00     Senior/Accretion   September 25,    AAA/AAA     $25,000.00
                  Rate                        Directed/Floater/        2032
                                               Adjustable Rate
Class A-3      Adjustable            $0.00(3)   Senior/Inverse    September 25,    AAA/AAA    $2,000,000.00
                  Rate                         Floater/Interest        2032
                                               Only/Adjustable
                                                     Rate
Class A-4         6.00%     $29,017,500.00     Senior/Lockout/    September 25,    AAA/AAA     $25,000.00
                                                  Fixed Rate           2032
Class A-5         6.00%     $35,000,000.00     Senior/Accretion   September 25,    AAA/AAA     $25,000.00
                                                Directed/Fixed         2032
                                                     Rate
Class A-6         6.25%      $5,000,000.00     Senior/Accrual/    September 25,    AAA/AAA     $25,000.00
                                                  Fixed Rate           2032
Class A-7         5.50%     $145,000,000.00    Senior/Accretion   September 25,    AAA/AAA     $25,000.00
                                                Directed/Super         2032
                                              Senior/Fixed Rate
Class A-8         6.25%      $7,612,500.00    Senior/Lockout/SenioSeptember 25,    AAA/AAA     $25,000.00
                                              Support/Fixed Rate       2032
Class A-9         6.25%              $0.00(4)    Senior/Interest    September 25,    AAA/AAA     $500,000.00
                                               Only/Fixed Strip        2032
Class A-10        8.50%     $30,000,000.00     Senior/Accretion   September 25,    AAA/AAA     $25,000.00
                                                Directed/Fixed         2032
                                                     Rate
Class A-P         0.00%        $409,000.35     Senior/Principal   September 25,    AAA/AAA     $25,000.00
                                                     Only              2032
Class A-V       Variable             $0.00     Senior/Variable    September 25,    AAA/AAA    (6)
               Rate(5)                          Strip/Interest         2032
                                                     Only

                                       2
<PAGE>

Class R-I         6.25%            $100.00     Residual/Senior    September 25,    AAA/AAA    (7)
                                                                            2032
Class R-II        6.25%            $100.00     Residual/Senior    September 25,    AAA/AAA    (7)
                                                                            2032
Class M-1         6.25%      $9,289,500.00        Mezzanine       September 25,     AA/NA      $25,000.00
                                                                            2032
Class M-2         6.25%      $3,715,500.00        Mezzanine       September 25,      A/NA      $250,000.00
                                                                            2032
Class M-3         6.25%      $2,786,600.00        Mezzanine       September 25,     BBB/NA     $250,000.00
                                                                            2032
Class B-1         6.25%      $1,114,700.00       Subordinate      September 25,     BB/NA      $250,000.00
                                                                            2032
Class B-2         6.25%      $1,300,500.00       Subordinate      September 25,      B/NA      $250,000.00
                                                                            2032
Class B-3         6.25%      $1,300,459.89       Subordinate      September 25,     NA/NA      $250,000.00
                                                                            2032
</TABLE>

___________

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

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

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

4    The Class A-9 Certificates do not have a principal balance. For the purpose
     of calculating  interest  payments,  interest on the Class A-9 Certificates
     will accrue on a notional amount equal to the product of 1/25 multiplied by
     the certificate principal balance of the Class A-4 Certificates.

5    The initial Pass-Through Rate on the Class A-V Certificates is 0.5637%.

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

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

        The Mortgage Loans have an aggregate principal balance as of the Cut-off
Date of $371,546,460.24.

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

                                       3
<PAGE>

                                    ARTICLE I

                                   DEFINITIONS

Section 1.01...Definitions.

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

        Accretion Termination Date: The earlier to occur of (i) the Distribution
Date on which the  aggregate  Certificate  Principal  Balance  of the  Accretion
Directed  Certificates  has been  reduced  to zero and (ii) the  Credit  Support
Depletion Date.

        Accrual Certificates:  Any of the Class A-6 Certificates.

     Accretion  Directed  Certificates:  Any of the Class A-1,  Class A-2, Class
A-5, Class A-7 and Class A-10 Certificates.

        Accrual Distribution Amount: With respect to any Distribution Date on or
prior to the  Accretion  Termination  Date,  an  amount  equal to the  amount of
Accrued  Certificate  Interest on the Accrual  Certificates that is added to the
Certificate  Principal  Balance  thereof on such  Distribution  Date pursuant to
Section 4.02(h).

     Adjustable Rate  Certificates:  Any of the Class A-2  Certificates or Class
A-3 Certificates.

        Bankruptcy  Amount:  As of any date of determination  prior to the first
anniversary  of the Cut-off Date, an amount equal to the excess,  if any, of (A)
$155,353 over (B) the aggregate amount of Bankruptcy  Losses allocated solely to
one or more specific  Classes of Certificates in accordance with Section 4.05 of
this Series  Supplement.  As of any date of  determination on or after the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of

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

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

                      (B) the greater of (i) the product of (x) an amount  equal
               to the largest  difference in the related Monthly Payment for any
               Non-Primary  Residence Loan remaining in the Mortgage Pool (other
               than   Additional   Collateral   Loans)  which  had  an  original
               Loan-to-Value  Ratio of 80% or greater  that would  result if the
               Net  Mortgage  Rate  thereof  was equal to the  weighted  average
               (based on the principal  balance of the Mortgage  Loans as of the

                                       4
<PAGE>

               Relevant  Anniversary)  of the Net Mortgage Rates of all Mortgage
               Loans as of the Relevant  Anniversary less 1.25% per annum, (y) a
               number equal to the weighted average  remaining term to maturity,
               in months,  of all  Non-Primary  Residence Loans remaining in the
               Mortgage  Pool as of the Relevant  Anniversary,  and (z) one plus
               the  quotient of the number of all  Non-Primary  Residence  Loans
               remaining  in the  Mortgage  Pool  divided by the total number of
               Outstanding  Mortgage  Loans  in  the  Mortgage  Pool  as of  the
               Relevant Anniversary, and (ii) $50,000,

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

        The  Bankruptcy  Amount  may be further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency below the
lower of the then-current  rating or the rating assigned to such Certificates as
of the  Closing  Date by such  Rating  Agency  and (ii)  provide  a copy of such
written confirmation to the Trustee.

        Certificate:  Any Class A, Class M, Class B or Class R Certificate.
        -----------

        Certificate  Account:  The  separate  account or  accounts  created  and
maintained  pursuant  to Section  4.01 of the  Standard  Terms,  which  shall be
entitled  "Deutsche Bank Trust Company  Americas,  as trustee,  in trust for the
registered holders of Residential  Accredit Loans, Inc.,  Mortgage  Asset-Backed
Pass-Through  Certificates,  Series  2002-QS12"  and which  must be an  Eligible
Account.

        Certificate Policy:  None.

        Class A  Certificate:  Any one of the Class A-1,  Class A-2,  Class A-3,
Class A-4,  Class A-5,  Class A-6,  Class A-7, Class A-8, Class A-9, Class A-10,
Class A-V or Class A-P  Certificates,  executed by the Trustee and authenticated
by the Certificate  Registrar  substantially in the form annexed to the Standard
Terms as Exhibit A.

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

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

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

                                       5
<PAGE>

        Closing Date:  September 27, 2002.

        Commission:  The Securities and Exchange Commission.

     Corporate Trust Office: The principal office of the Trustee at which at any
particular  time its corporate  trust  business  with respect to this  Agreement
shall  be  administered,  which  office  at the  date of the  execution  of this
instrument  is  located at 1761 East St.  Andrew  Place,  Santa Ana,  California
92705-4934, Attention: Residential Funding Corporation Series 2002-QS12.

        Cut-off Date:  September 1, 2002.

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

        Discount Net Mortgage Rate:  6.25% per annum.

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

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

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

        Floater Certificates:  Any one of the Class A-2 Certificates.

        Fraud Loss  Amount:  As of any date of  determination  after the Cut-off
Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date
an amount equal to 2.00% of the aggregate  outstanding  principal balance of all
of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud
Losses  allocated  solely to one or more  specific  Classes of  Certificates  in
accordance with Section 4.05 of this Series Supplement since the Cut-off Date up
to such date of determination and (Y) from the first to, but not including,  the
fifth  anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a)
the Fraud Loss Amount as of the most recent  anniversary of the Cut-off Date and
(b) 1.00% of the aggregate  outstanding principal balance of all of the Mortgage
Loans as of the most  recent  anniversary  of the  Cut-off  Date  minus  (2) the
aggregate  amount  of Fraud  Losses  allocated  solely  to one or more  specific
Classes of  Certificates  in accordance  with Section 4.05 since the most recent
anniversary of the Cut-off Date up to such date of  determination.  On and after
the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero.

                                       6
<PAGE>

        The Fraud  Loss  Amount may be  further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency below the
lower of the then-current  rating or the rating assigned to such Certificates as
of the  Closing  Date by such  Rating  Agency  and (ii)  provide  a copy of such
written confirmation to the Trustee.

        Initial Monthly Payment Fund: $200,172, representing scheduled principal
amortization  and interest at the Net Mortgage Rate during the Due Period ending
on October 1, 2002,  for those  Mortgage Loans for which the Trustee will not be
entitled to receive such payment.

        Initial  Notional  Amount:  With respect to the Class A-3  Certificates,
$50,000,000.  With  respect  to the Class  A-9  Certificates,  $1,160,700.  With
respect to the Class A-V  Certificates  or Subclass  thereof issued  pursuant to
Section 5.01(c),  the aggregate  Cut-off Date Principal  Balance of the Mortgage
Loans   corresponding  to  the  Uncertificated   REMIC  I  Regular  Interests  Z
represented by such Class or Subclass on such date.

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

        Class M-1:  2.50%           Class B-1:  0.30%
        Class M-2:  1.00%           Class B-2:  0.35%
        Class M-3:  0.75%           Class B-3:  0.35%

        Interest  Accrual  Period:  With  respect  to any Class of  Certificates
(other than the Floater  Certificates and the Inverse Floater  Certificates) and
any  Distribution  Date,  the calendar  month  preceding the month in which such
Distribution   Date  occurs.   The  Interest  Accrual  Period  for  the  Floater
Certificates and the Inverse Floater  Certificates for any Distribution  Date is
the period  beginning on the 25th day of the month  preceding the month in which
such  Distribution  Date occurs and ending on the 24th day of the month in which
such Distribution Date occurs.

     Interest Only  Certificates:  Any one of the Class A-3,  Class A-9 or Class
A-V  Certificates.  The  Interest  Only  Certificates  will have no  Certificate
Principal Balance.

     Inverse Floater Certificates: Any one of the Class A-3 Certificates.

     Lockout  Certificates:  Any one of the Class A-4  Certificates or Class A-8
Certificates.

        Lockout Prepayment Percentage: For any Distribution Date occurring prior
to the  Distribution  Date in October 2007 will be 0%, and for any  Distribution
Date thereafter,  as follows:  30% for any Distribution Date on or after October
2007 and  prior  to  October  2008;  40% for any  Distribution  Date on or after
October  2008 and prior to October  2009;  60% for any  Distribution  Date on or
after October 2009 and prior to October 2010; 80% for any  Distribution  Date on
or after October 2010 and prior to October 2011;  and 100% for any  Distribution
Date thereafter.

                                       7
<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

        Notional Amount:  As of any  Distribution  Date, (i) with respect to the
Class A-3 Certificates,  an amount equal to the Certificate Principal Balance of
the Class A-2 Certificates  immediately prior to that date, (ii) with respect to
the Class A-9 Certificates, an amount equal to the product of 1/25 multiplied by
the  Certificate  Principal  Balance of the Class A-4  Certificates  immediately
prior to that date and (iii)  with  respect  to any  Class A-V  Certificates  or
Subclass  thereof  issued  pursuant to Section  5.01(c),  the  aggregate  Stated
Principal  Balance of the Mortgage  Loans  corresponding  to the  Uncertificated
REMIC I Regular  Interests Z represented  by such Class or Subclass  immediately
prior to such date.

                                       8
<PAGE>

        Pass-Through Rate: With respect to the Senior  Certificates  (other than
the Floater Certificates,  Inverse Floater Certificates,  Class A-V Certificates
and Class A-P  Certificates),  Class M Certificates and Class B Certificates and
any  Distribution  Date,  the per  annum  rates  set  forth  in the  Preliminary
Statement  hereto.  With respect to the Class A-2  Certificates  and the initial
Interest Accrual Period,  2.32% per annum, and as to any Interest Accrual Period
thereafter,  a per annum rate equal to 0.50%  plus  LIBOR,  subject to a maximum
rate of 8.50% per annum and a minimum  rate of 0.50% per annum.  With respect to
the Class A-3 Certificates  and the initial  Interest Accrual Period,  6.18% per
annum, and as to any Interest Accrual Period thereafter,  a per annum rate equal
to 8.00% minus LIBOR, subject to a maximum rate of 8.00% per annum and a minimum
rate of 0.00% per annum. With respect to the Class A-V Certificates  (other than
any Subclass  thereof) and any  Distribution  Date, a rate equal to the weighted
average,  expressed  as a  percentage,  of the Pool Strip Rates of all  Mortgage
Loans as of the Due Date in the related Due Period, weighted on the basis of the
respective  Stated  Principal  Balances  of such  Mortgage  Loans  as of the day
immediately  preceding such  Distribution  Date (or, with respect to the initial
Distribution  Date, at the close of business on the Cut-off Date).  With respect
to the Class A-V Certificates and the initial Distribution Date the Pass-Through
Rate is equal to 0.5637% per annum.  With  respect to any  Subclass of Class A-V
Certificates  and any Distribution  Date, a rate equal to the weighted  average,
expressed  as a  percentage,  of the  Pool  Strip  Rates of all  Mortgage  Loans
corresponding to the  Uncertificated  REMIC I Regular Interests Z represented by
such  Subclass as of the Due Date in the  related  Due  Period,  weighted on the
basis of the respective  Stated Principal  Balances of such Mortgage Loans as of
the day  immediately  preceding such  Distribution  Date (or with respect to the
initial  Distribution  Date, at the close of business on the Cut-off Date).  The
Principal Only  Certificates  have no Pass-Through  Rate and are not entitled to
Accrued Certificate Interest.

        Prepayment  Assumption:   The  prepayment  assumption  to  be  used  for
determining  the  accrual of  original  issue  discount  and  premium and market
discount on the  Certificates  for federal income tax purposes,  which assumes a
constant  prepayment  rate of 6.0% per annum of the then  outstanding  principal
balance of the  related  Mortgage  Loans in the first  month of the life of such
Mortgage  Loans and an additional  1.090909% per annum in each month  thereafter
until the twelfth  month,  and  beginning in the twelfth month and in each month
thereafter during the life of the Mortgage Loans, a constant  prepayment rate of
18.0% per annum.

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

        (i)    For any  Distribution  Date  prior  to the  Distribution  Date in
               October 2007 (unless the  Certificate  Principal  Balances of the
               Senior Certificates (other than the Class A-P Certificates), have
               been reduced to zero), 0%.

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

                      (a) in the case of the Class of  Subordinate  Certificates
               then  outstanding  with the Highest Priority and each other Class
               of  Subordinate  Certificates  for which the  related  Prepayment
               Distribution Trigger has been satisfied, a fraction, expressed as
               a percentage, the numerator of which is the Certificate Principal

                                       9
<PAGE>

               Balance  of such  Class  immediately  prior to such  date and the
               denominator  of  which  is the sum of the  Certificate  Principal
               Balances  immediately  prior  to such  date of (1) the  Class  of
               Subordinate   Certificates  then  outstanding  with  the  Highest
               Priority and (2) all other  Classes of  Subordinate  Certificates
               for which the respective  Prepayment  Distribution  Triggers have
               been satisfied; and

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

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

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

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

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

                                       10
<PAGE>

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

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

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

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

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

        REMIC I Certificates:  The Class R-I Certificates.

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

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

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

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

        Senior Principal Distribution Amount: As to any Distribution Date before
the  Credit  Support  Depletion  Date,  the  lesser  of (a) the  balance  of the
Available  Distribution  Amount  remaining after the distribution of all amounts
required   to  be   distributed   pursuant   to  Section   4.02(a)(i),   Section
4.02(a)(ii)(W) and Section 4.02(a)(ii)(X) of this Series Supplement, and (b) the
sum of the amounts  required to be distributed to the Senior  Certificateholders
on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y),  4.02(a)(xvi) and
4.02(a)(xvii) of this Series Supplement. As to any Distribution Date on or after
the  Credit  Support  Depletion  Date,  the  lesser  of (a) the  balance  of the
Available  Distribution  Amount  remaining  after  the  distribution  of (i) all
amounts required to be distributed  pursuant to Section  4.02(a)(i) and (ii) the

                                       11
<PAGE>

amount required to be distributed to the Class A-P  Certificateholders  pursuant
to Section  4.02(c) of this  Series  Supplement,  and (b) the sum of the amounts
required to be distributed to the Senior Certificateholders on such Distribution
Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii) of this
Series Supplement.

        Senior Support Certificates:  Any one of the Class A-8 Certificates.

        Special Hazard Amount:  As of any Distribution  Date, an amount equal to
$3,715,464  minus the sum of (i) the aggregate  amount of Special  Hazard Losses
allocated  solely to one or more specific  Classes of Certificates in accordance
with Section 4.05 of this Series  Supplement and (ii) the Adjustment  Amount (as
defined below) as most recently calculated.  For each anniversary of the Cut-off
Date, the Adjustment  Amount shall be equal to the amount,  if any, by which the
amount  calculated in accordance  with the preceding  sentence  (without  giving
effect to the deduction of the Adjustment Amount for such  anniversary)  exceeds
the greater of (A) the greatest of (i) twice the outstanding  principal  balance
of the  Mortgage  Loan in the  Trust  Fund  which  has the  largest  outstanding
principal   balance  on  the  Distribution   Date  immediately   preceding  such
anniversary,  (ii) the product of 1.00% multiplied by the outstanding  principal
balance of all Mortgage Loans on the  Distribution  Date  immediately  preceding
such anniversary and (iii) the aggregate  outstanding  principal  balance (as of
the immediately preceding Distribution Date) of the Mortgage Loans in any single
five-digit California zip code area with the largest amount of Mortgage Loans by
aggregate  principal  balance as of such  anniversary and (B) the greater of (i)
the product of 0.50%  multiplied  by the  outstanding  principal  balance of all
Mortgage Loans on the Distribution  Date immediately  preceding such anniversary
multiplied  by a  fraction,  the  numerator  of which is equal to the  aggregate
outstanding  principal  balance (as of the  immediately  preceding  Distribution
Date) of all of the Mortgage  Loans secured by Mortgaged  Properties  located in
the State of California divided by the aggregate  outstanding  principal balance
(as of the  immediately  preceding  Distribution  Date)  of all of the  Mortgage
Loans, expressed as a percentage, and the denominator of which is equal to 25.1%
(which  percentage  is equal to the  percentage  of Mortgage  Loans by aggregate
principal balance initially secured by Mortgaged Properties located in the State
of California) and (ii) the aggregate  outstanding  principal balance (as of the
immediately preceding Distribution Date) of the largest Mortgage Loan secured by
a Mortgaged  Property  (or,  with  respect to a  Cooperative  Loan,  the related
Cooperative Apartment) located in the State of California.

        The Special Hazard Amount may be further  reduced by the Master Servicer
(including  accelerating the manner in which coverage is reduced)  provided that
prior to any such  reduction,  the  Master  Servicer  shall (i)  obtain  written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency below the
lower of the then-current  rating or the rating assigned to such Certificates as
of the  Closing  Date by such  Rating  Agency  and (ii)  provide  a copy of such
written confirmation to the Trustee.

        Subordinate   Principal   Distribution   Amount:  With  respect  to  any
Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i)
the product of (x) the related  Subordinate  Class Percentage for such Class and
(y) the  aggregate  of the  amounts  calculated  (without  giving  effect to the
related Senior  Percentages) for such  Distribution  Date under clauses (1), (2)
and (3) of Section 4.02(a)(ii)(Y)(A); (ii) such Class's pro rata share, based on
the Certificate Principal Balance of each Class of Subordinate Certificates then

                                       12
<PAGE>

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

        Super Senior Certificates:  Any one of the Class A-7 Certificates.

        Super  Senior  Optimal  Percentage:  As  of  any  Distribution  Date,  a
fraction,  expressed as a percentage,  the numerator of which is the Certificate
Principal  Balance of the Super Senior  Certificates  immediately  prior to such
Distribution  Date and the  denominator  of which is the  aggregate  Certificate
Principal  Balance  of  the  Senior  Certificates,  other  than  the  Class  A-P
Certificates, immediately prior to such Distribution Date.

        Super  Senior  Optimal   Principal   Distribution   Amount:  As  of  any
Distribution  Date on or after the Credit Support Depletion Date, the product of
(a) the  then-applicable  Super Senior  Optimal  Percentage  and (b) the amounts
described in clause (b) of the Senior Principal Distribution Amount.

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

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

                                       13
<PAGE>

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

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

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

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

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

<TABLE>
<CAPTION>

 Uncertificated REMIC   Related Classes of Certificates   Pass-Through Rate   Initial Principal
  I Regular Interest                                                               Balance

<S>                             <C>                       <C>                    <C>
          R             Class A-1                         5.00%                  $ 50,000,000.00
          S             Class A-2, Class A-3              8.50%                  $ 50,000,000.00
          T             Class A-4, Class A-9              6.25%                  $ 29,017,500.00
          U             Class A-5                         6.00%                  $ 35,000,000.00
          V             Class A-7                         5.50%                  $145,000,000.00
          W             Class A-10                        8.50%                  $ 30,000,000.00
          X             Class A-P                         0.00%                  $    409,000.35
          Y             Class A-6, Class A-8, Class       6.25%                  $ 24,507,359.87
                       R-II, Class M-1, Class
                        M-2, Class M-3, Class
                        B-1, Class B-2, Class B-3
</TABLE>

                                       14
<PAGE>

        Uncertificated   REMIC  I  Regular   Interests  Z:  Each  of  the  2,322
uncertificated  partial undivided  beneficial  ownership  interests in the Trust
Fund,  numbered  sequentially  from 1 to 2,322,  each relating to the particular
Mortgage  Loan  identified  by  such  sequential  number  on the  Mortgage  Loan
Schedule,  each having no principal  balance,  and each bearing  interest at the
respective  Pool  Strip  Rate on the Stated  Principal  Balance  of the  related
Mortgage Loan.

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

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

        Uncertificated   REMIC  II  Regular  Interests  Z:  Each  of  the  2,322
uncertificated  partial  undivided  beneficial  ownership  interests in REMIC II
numbered  sequentially  from 1 through  2,322 each  relating to the  identically
numbered  Uncertificated  REMIC I Regular  Interests Z, each having no principal
balance and bearing  interest at a rate equal to the related  Pool Strip Rate on
the Stated  Principal  Balance of the Mortgage  Loan related to the  identically
numbered   Uncertificated   REMIC  I  Regular   Interests  Z,   comprising  such
Uncertificated  REMIC II  Regular  Interests  Z's pro rata  share of the  amount
distributed pursuant to Sections 10.04(a).

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

     Underwriters:   Greenwich  Capital  Markets,   Inc.  and  Banc  of  America
Securities LLC.

Section 1.02...Use of Words and Phrases.

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

        Section 1.03. Determination of LIBOR.

        LIBOR  applicable to the  calculation of the  Pass-Through  Rates on the
Floater Certificates and Inverse Floater Certificates,  if any, for any Interest
Accrual  Period  (other  than  the  initial  Interest  Accrual  Period)  will be
determined as described below:

        On each  Distribution  Date,  LIBOR shall be  established by the Trustee
and, as to any Interest Accrual Period, will equal the rate for one month United
States  dollar  deposits  that appears on the  Telerate  Screen Page 3750 of the

                                       15
<PAGE>

Moneyline  Telerate Capital Markets Report as of 11:00 a.m., London time, on the
second LIBOR Business Day prior to the first day of such Interest Accrual Period
("LIBOR Rate Adjustment  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, any other service for displaying LIBOR or comparable rates as
may be selected by the Trustee after consultation with the Master Servicer,  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 Trustee
after  consultation  with the Master Servicer) as of 11:00 a.m., London time, on
the day  that is one  LIBOR  Business  Day  prior to the  immediately  preceding
Distribution  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 Adjustable Rate Certificates  then outstanding.  The Trustee 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 Trustee  after  consultation  with the Master
Servicer,  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
Adjustable  Rate  Certificates  then  outstanding.  If no such quotations can be
obtained,  the rate will be LIBOR for the prior  Distribution  Date,  or, in the
case of the first  LIBOR  Rate  Adjustment  Date,  1.82%,  per  annum;  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 Trustee shall,  after consultation with the
Master Servicer,  select an alternative comparable index (over which the Trustee
has no control), used for determining one-month Eurodollar lending rates that is
calculated and published (or otherwise made available) by an independent  party.
"LIBOR Business Day" means any day other than (i) a Saturday or a Sunday or (ii)
a day on which banking institutions in the city of London,  England are required
or authorized by law to be closed.

        The  establishment  of LIBOR by the Trustee on any LIBOR Rate Adjustment
Date and the Master Servicer's subsequent  calculation of the Pass-Through Rates
applicable to each of the Floater  Certificates and Inverse Floater Certificates
for the relevant Interest Accrual Period, in the absence of manifest error, will
be final and binding.

        Promptly  following  each LIBOR Rate  Adjustment  Date the Trustee shall
supply the Master  Servicer  with the results of its  determination  of LIBOR on
such date.  Furthermore,  the Trustee will supply the Pass-Through Rates on each
of the Floater Certificates and Inverse Floater Certificates for the current and
the immediately  preceding  Interest  Accrual Period via the Trustee's  website,
which may be obtained by telephoning the Trustee at (800) 735-7777.

                                       16
<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;

                        ORIGINAL ISSUANCE OF CERTIFICATES

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

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

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

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

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

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

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

(iii)   The Mortgage Loans are fully-amortizing,  fixed-rate mortgage loans with
        level  Monthly  Payments due, with respect to a majority of the Mortgage
        Loans,  on the  first  day of  each  month  and  terms  to  maturity  at
        origination or modification of not more than 15 years;

(iv) To the best of the Company's knowledge, except in the case of nine Mortgage
     Loans, representing approximately 0.4% of the Mortgage Loans, if a Mortgage
     Loan is secured  by a  Mortgaged  Property  with a  Loan-to-Value  Ratio at
     origination  in excess  of 80%,  such  Mortgage  Loan is the  subject  of a
     Primary  Insurance  Policy  that  insures  (a) at least  35% of the  Stated
     Principal  Balance of the Mortgage Loan at origination if the Loan-to-Value
     Ratio  is  between  100.00%  and  95.01%,  (b) at least  30% of the  Stated
     Principal  Balance of the Mortgage Loan at origination if the Loan-to-Value
     Ratio is between 95.00% and 90.01%, (c) at least 25% of such balance if the
     Loan-to-Value  Ratio is  between  90.00% and 85.01% and (d) at least 12% of
     such balance if the  Loan-to-Value  Ratio is between 85.00% and 80.01%.  To
     the best of the Company's knowledge,  each such Primary Insurance Policy is
     in full force and  effect  and the  Trustee  is  entitled  to the  benefits
     thereunder;

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

                                       17
<PAGE>

(vi)    No more than 0.4% of the Mortgage  Loans by aggregate  Stated  Principal
        Balance  as of the  Cut-off  Date are  secured by  Mortgaged  Properties
        located in any one zip code area in California  and no more than 0.3% of
        the  Mortgage  Loans by  aggregate  Stated  Principal  Balance as of the
        Cut-off Date are secured by Mortgaged  Properties located in any one zip
        code area outside California;

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

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

(ix)    Approximately 52.69% of the Mortgage Loans by aggregate Stated Principal
        Balance as of the Cut-off  Date were  underwritten  under a reduced loan
        documentation  program,  approximately  13.05% of the Mortgage  Loans by
        aggregate  Stated  Principal   Balance  as  of  the  Cut-off  Date  were
        underwritten under a no-stated income program,  and approximately  2.62%
        of the Mortgage Loans by aggregate  Stated  Principal  Balance as of the
        Cut-off Date were underwritten under a no income/no asset program;

(x)     Except with respect to  approximately  27.02% of the  Mortgage  Loans by
        aggregate Stated Principal Balance as of the Cut-off Date, the Mortgagor
        represented in its loan application with respect to the related Mortgage
        Loan that the Mortgaged Property would be owner-occupied;

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

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

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

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

                                       18
<PAGE>

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

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

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

(xviii) None  of the  Mortgage  Loans  will  have  been  made  to  International
     Borrowers;

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

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

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

        Upon discovery by any of the Company,  the Master Servicer,  the Trustee
or any Custodian of a breach of any of the  representations  and  warranties set
forth  in this  Section  2.03(b)  that  materially  and  adversely  affects  the
interests of the  Certificateholders in any Mortgage Loan, the party discovering
such breach shall give prompt written notice to the other parties (any Custodian
being so obligated under a Custodial Agreement);  provided, however, that in the
event of a breach  of the  representation  and  warranty  set  forth in  Section
2.03(b)(xii),  the party  discovering  such breach shall give such notice within
five days of discovery. Within 90 days of its discovery or its receipt of notice
of  breach,  the  Company  shall  either  (i) cure such  breach in all  material
respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section  2.02;  provided  that the  Company
shall have the option to  substitute  a Qualified  Substitute  Mortgage  Loan or
Loans  for such  Mortgage  Loan if such  substitution  occurs  within  two years
following the Closing Date;  provided that if the omission or defect would cause
the Mortgage Loan to be other than a "qualified  mortgage" as defined in Section
860G(a)(3) of the Code,  any such cure or  repurchase  must occur within 90 days
from the date  such  breach  was  discovered.  Any  such  substitution  shall be
effected  by the  Company  under the same terms and  conditions  as  provided in
Section 2.04 for  substitutions  by  Residential  Funding.  It is understood and
agreed that the  obligation of the Company to cure such breach or to so purchase
or  substitute  for any Mortgage Loan as to which such a breach has occurred and
is continuing shall constitute the sole remedy  respecting such breach available
to the  Certificateholders  or the Trustee on behalf of the  Certificateholders.

                                       19
<PAGE>

Notwithstanding  the  foregoing,  the  Company  shall  not be  required  to cure
breaches  or  purchase  or  substitute  for  Mortgage  Loans as provided in this
Section  2.03(b) if the  substance of the breach of a  representation  set forth
above also constitutes fraud in the origination of the Mortgage Loan.

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

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

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

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

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

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

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

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

                                       20
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

                     (SEE ARTICLE III OF THE STANDARD TERMS)

                                       21
<PAGE>

                                 ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

Section 4.01.  Certificate Account.  (See Section 4.01 of the Standard Terms)

Section 4.02.  Distributions.

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

               (i)  to  the  Senior  Certificates  (other  than  the  Class  A-P
        Certificates  and prior to the Accretion  Termination  Date, the Accrual
        Certificates to the extent of the Accrual Distribution Amount), on a pro
        rata  basis  based  on  Accrued  Certificate  Interest  payable  on such
        Certificates with respect to such Distribution Date, Accrued Certificate
        Interest on such Classes of Certificates  (or  Subclasses,  if any, with
        respect to the Class A-V Certificates) for such Distribution  Date, plus
        any  Accrued  Certificate  Interest  thereon  remaining  unpaid from any
        previous  Distribution  Date except as provided in the last paragraph of
        this Section 4.02(a); and

               (ii) (W) to the Class A-P  Certificates,  the Class A-P Principal
        Distribution  Amount  (applied  to  reduce  the  Certificate   Principal
        Balances of such Senior Certificates);

                      (X) to the  Accretion  Directed  Certificates,  until  the
        Certificate Principal Balance of the Accretion Directed Certificates has
        been reduced to zero, the Accrual Distribution Amount; and

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

                                       22
<PAGE>

        applicable):

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

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

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

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

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

                                       23
<PAGE>

          by the Master  Servicer  as  recoveries  of  principal  of the related
          Mortgage Loan pursuant to Section 3.14 of the Standard  Terms (in each
          case other  than the  portion of such  unscheduled  collections,  with
          respect to a Discount Mortgage Loan, included in Section 4.02(b)(i)(C)
          of this Series Supplement);

     (C)  the Senior Accelerated  Distribution  Percentage for such Distribution
          Date times the aggregate of all Principal Prepayments in Full received
          in the  related  Prepayment  Period and  Curtailments  received in the
          preceding  calendar month (other than the related Discount Fraction of
          such Principal  Prepayments in Full and Curtailments,  with respect to
          each Discount Mortgage Loan);

     (D)  any Excess  Subordinate  Principal Amount for such Distribution  Date;
          and

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

               (iii) if the  Certificate  Principal  Balances of the Subordinate
        Certificates  have not been reduced to zero, to the Master Servicer or a
        Sub-Servicer,  by remitting for deposit to the Custodial Account, to the
        extent of and in reimbursement for any Advances or Sub-Servicer Advances
        previously  made with respect to any Mortgage Loan or REO Property which
        remain  unreimbursed in whole or in part following the Cash  Liquidation
        or REO Disposition of such Mortgage Loan or REO Property, minus any such
        Advances that were made with respect to  delinquencies  that  ultimately
        constituted  Excess Special Hazard Losses,  Excess Fraud Losses,  Excess
        Bankruptcy Losses or Extraordinary Losses;

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

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

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

               (vii) to the  Holders  of the Class M-2  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such  Distribution  Date, minus (y) the amount

                                       24
<PAGE>

        of any Class A-P  Collection  Shortfalls for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts available pursuant to clause (x) of Sections 4.02(a) (ix), (xi),
        (xiii), (xiv) and (xv) are insufficient  therefor,  applied in reduction
        of the Certificate Principal Balance of the Class M-2 Certificates;

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

               (ix) to the  Holders  of the  Class M-3  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such Distribution Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts  available  pursuant  to  clause  (x) of  Sections  4.02(a)(xi),
        (xiii), (xiv) and (xv) are insufficient  therefor,  applied in reduction
        of the Certificate Principal Balance of the Class M-3 Certificates;

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

               (xi) to the  Holders  of the  Class B-1  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such Distribution Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the
        amounts  available  pursuant  to clause (x) of  Sections  4.02(a)(xiii),
        (xiv) and (xv) are  insufficient  therefor,  applied in reduction of the
        Certificate Principal Balance of the Class B-1 Certificates;

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

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

               (xiv) to the  Holders  of the Class B-3  Certificates,  an amount
        equal  to  (x)  the  Accrued  Certificate   Interest  thereon  for  such
        Distribution  Date,  plus  any  Accrued  Certificate   Interest  thereon
        remaining unpaid from any previous Distribution Date, except as provided
        below,  minus (y) the amount of any Class A-P Collection  Shortfalls for
        such Distribution Date or remaining unpaid for all previous Distribution

                                       25
<PAGE>

        Dates,  to the extent the  amounts  available  pursuant to clause (x) of
        Section 4.02(a) (xv) are insufficient therefor;

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

               (xvi)  to  the  Senior  Certificates,  on a  pro  rata  basis  in
        accordance  with  their  respective  outstanding  Certificate  Principal
        Balances,  the portion,  if any, of the  Available  Distribution  Amount
        remaining  after the  foregoing  distributions,  applied  to reduce  the
        Certificate  Principal Balances of such Senior  Certificates,  but in no
        event more than the aggregate of the outstanding  Certificate  Principal
        Balances of each such Class of Senior Certificates,  and thereafter,  to
        each Class of Subordinate  Certificates then outstanding  beginning with
        such Class  with the  Highest  Priority,  any  portion of the  Available
        Distribution  Amount remaining after the Senior  Certificates  have been
        retired,  applied to reduce the  Certificate  Principal  Balance of each
        such Class of  Subordinate  Certificates,  but in no event more than the
        outstanding   Certificate  Principal  Balance  of  each  such  Class  of
        Subordinate Certificates; and

               (xvii) to the Class R-I Certificates, the balance, if any, of the
          Available Distribution Amount.

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

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

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

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

                                       26
<PAGE>

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

     (C)  in  connection  with  the Cash  Liquidation  or REO  Disposition  of a
          Discount  Mortgage  Loan  that did not  result in any  Excess  Special
          Hazard  Losses,  Excess  Fraud  Losses,  Excess  Bankruptcy  Losses or
          Extraordinary  Losses,  an  amount  equal  to the  lesser  of (1)  the
          applicable  Discount  Fraction of the Stated Principal Balance of such
          Discount Mortgage Loan immediately prior to such Distribution Date and
          (2) the aggregate  amount of the  collections on such Mortgage Loan to
          the extent applied as recoveries of principal;

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

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

(ii)    second,  an amount  equal to the Accrual  Distribution  Amount  shall be
        distributed in the following manner and priority:

     (A)  first,  until  the  Certificate  Principal  Balance  of the  Class A-1
          Certificates has been reduced to zero, concurrently, as follows:

          (1)  17.241379310345%  of the amount described in Section  4.02(b)(ii)
               above shall be distributed to the Class A-1  Certificates,  until
               the Certificate  Principal  Balance of the Class A-1 Certificates
               has been reduced to zero;

          (2)  65.862068965517%  of the amount described in Section  4.02(b)(ii)
               above shall be distributed, sequentially, as follows:

                                       27
<PAGE>

               (a)  first, concurrently, until the Certificate Principal Balance
                    of the Class A-7  Certificates  has been reduced to zero, as
                    follows:

                    (i)  16.666666666667%  of the  amount  described  in Section
                         4.02(b)(ii)(A)(2) above, concurrently, to the Class A-2
                         Certificates and Class A-10 Certificates, on a pro rata
                         basis in accordance with their  respective  Certificate
                         Principal  Balances,  until the  Certificate  Principal
                         Balances of the Class A-2  Certificates  and Class A-10
                         Certificates have been reduced to zero; and

                    (ii) 83.333333333333%  of the  amount  described  in Section
                         4.02(b)(ii)(A)(2)  above to the Class A-7 Certificates,
                         until the  Certificate  Principal  Balance of the Class
                         A-7 Certificates has been reduced to zero; and

               (b)  second, to the Class A-5 Certificates, until the Certificate
                    Principal  Balance  of the Class A-5  Certificates  has been
                    reduced to zero; and

          (3)  16.896551724138%  of the  amount  described  Section  4.02(b)(ii)
               above  shall  be  distributed,  concurrently,  to the  Class  A-2
               Certificates  and Class A-10  Certificates on a pro rata basis in
               accordance with their respective  Certificate Principal Balances,
               until  the  Certificate  Principal  Balances  of  the  Class  A-2
               Certificates  and Class A-10  Certificates  have been  reduced to
               zero; and

                      (B) second,  after taking into  account any payments  made
               pursuant  to  Section  4.02(b)(ii)(A)  above,  concurrently,   as
               follows:

                             (1)  10%  of  the  amount   described   in  Section
                      4.02(b)(ii)(B)  above shall be distributed,  concurrently,
                      to the Class A-2 Certificates and Class A-10  Certificates
                      on a pro rata basis in  accordance  with their  respective
                      Certificate  Principal  Balances,  until  the  Certificate
                      Principal Balances of the Class A-2 Certificates and Class
                      A-10 Certificates have been reduced to zero; and

                             (2)  90%  of  the  amount   described   in  Section
                      4.02(b)(ii)(B) above shall be distributed to the Class A-5
                      Certificates,  until the Certificate  Principal Balance of
                      the Class A-5 Certificates has been reduced to zero; and

               (iii)  the  Senior   Principal   Distribution   Amount  shall  be
        distributed in the following manner and priority:

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

                                       28
<PAGE>

                      (B)  second,  the  Senior  Principal  Distribution  Amount
               remaining   after   distributions   made   pursuant   to   clause
               4.02(b)(iii)(A)   to  the   Lockout   Certificates,   until   the
               Certificate  Principal  Balance of the Lockout  Certificates  has
               been  reduced  to  zero,  in an  amount  equal  to the sum of the
               following:

                             (1) the Lockout Certificates' pro rata share (based
                      on the Certificate  Principal  Balance thereof relative to
                      the aggregate Certificate Principal Balance of all Classes
                      of Certificates  (other than the Class A-P  Certificates))
                      of the aggregate of the  collections  described in clauses
                      (A), (B), (D) and (E) of Section  4.02(a)(ii)(Y),  without
                      application  of  the  Senior   Percentage  or  the  Senior
                      Accelerated Distribution Percentage; and

                             (2)  the  Lockout  Prepayment   Percentage  of  the
                      Lockout   Certificates'  pro  rata  share  (based  on  the
                      Certificate  Principal  Balance  thereof  relative  to the
                      aggregate  Certificate Principal Balance of all Classes of
                      Certificates  (other than the Class A-P  Certificates)) of
                      the aggregate of the  collections  described in clause (C)
                      of  Section  4.02(a)(ii)(Y),  without  application  of the
                      Senior Accelerated Distribution Percentage;

                  provided  that,  if the  aggregate of the amounts set forth in
               clauses (A), (B), (C), (D) and (E) of Section  4.02(a)(ii)(Y)  is
               more  than  the  balance  of the  Available  Distribution  Amount
               remaining after the Senior Interest  Distribution  Amount and the
               Class A-P Principal  Distribution  Amount have been  distributed,
               the amount  paid to the  Lockout  Certificates  pursuant  to this
               Section  4.02(b)(iii)(B)  shall be reduced by an amount  equal to
               the  Lockout   Certificates'   pro  rata  share   (based  on  the
               Certificate   Principal  Balance  of  the  Lockout   Certificates
               relative to the aggregate  Certificate  Principal  Balance of the
               Senior  Certificates  (other than the Class A-P Certificates)) of
               such difference;

                      (C)  third,  the  Senior  Principal   Distribution  Amount
               remaining   after   distributions   made   pursuant   to  clauses
               4.02(b)(iii)(A)  and  (B)  and  after  taking  into  account  any
               distributions of the Accrual Distribution  Amount,  concurrently,
               as follows:

               (1)  first, concurrently, until the Certificate Principal Balance
                    of the Class A-1  Certificates  has been reduced to zero, as
                    follows:

                         (a) 17.241379310345% of the amount described in Section
                    4.02(b)(iii)(C)  above shall be distributed to the Class A-1
                    Certificates, until the Certificate Principal Balance of the
                    Class A-1 Certificates has been reduced to zero;

                                       29
<PAGE>

                         (b) 65.862068965517% of the amount described in Section
                    4.02(b)(iii)(C) above shall be distributed, sequentially, as
                    follows:

                         (i) first,  until the Certificate  Principal Balance of
                    the  Class  A-7  Certificates  has  been  reduced  to  zero,
                    concurrently, as follows:

                         (A) 16.666666666667% of the amount described in Section
                    4.02(b)(iii)(C)(1)(b) above, concurrently,  to the Class A-2
                    Certificates and Class A-10 Certificates on a pro rata basis
                    in accordance with their  respective  Certificate  Principal
                    Balances,  until the Certificate  Principal  Balances of the
                    Class A-2 Certificates and Class A-10 Certificates have been
                    reduced to zero; and

                         (B) 83.333333333333% of the amount described in Section
                    4.02(b)(iii)(C)(1)(b)  above to the Class A-7  Certificates,
                    until the  Certificate  Principal  Balance  of the Class A-7
                    Certificates has been reduced to zero; and

                         (ii) second, to the Class A-5  Certificates,  until the
                    Certificate  Principal Balance of the Class A-5 Certificates
                    has been reduced to zero; and

                                    (c) 16.896551724138% of the amount described
                             in   Section   4.02(b)(iii)(C)   above   shall   be
                             distributed,   concurrently,   to  the   Class  A-2
                             Certificates  and Class A-10  Certificates on a pro
                             rata  basis in  accordance  with  their  respective
                             Certificate    Principal   Balances,    until   the
                             Certificate  Principal  Balances  of the  Class A-2
                             Certificates and Class A-10  Certificates have been
                             reduced to zero; and

                             (2) second,  after taking into account any payments
                      made   pursuant  to  Section   4.02(b)(iii)(C)(1)   above,
                      concurrently, as follows:

                                    (a) 10% of the amount  described  in Section
                             4.02(b)(iii)(C)(2)   above  shall  be  distributed,
                             concurrently,  to the  Class A-2  Certificates  and
                             Class  A-10  Certificates  on a pro  rata  basis in
                             accordance   with  their   respective   Certificate
                             Principal Balances, until the Certificate Principal
                             Balances  of the Class A-2  Certificates  and Class
                             A-10 Certificates have been reduced to zero; and

                                    (b) 90% of the amount  described  in Section
                             4.02(b)(iii)(C)(2)  above shall be  distributed  to
                             the Class A-5  Certificates,  until the Certificate
                             Principal Balance of the Class A-5 Certificates has
                             been reduced to zero; and

                                       30
<PAGE>

                             (3) third, to the Class A-6 Certificates, until the
                      Certificate   Principal   Balance   of   the   Class   A-6
                      Certificates has been reduced to zero; and

                      (D)  fourth,  the  Senior  Principal  Distribution  Amount
               remaining   after   distributions   made   pursuant   to  clauses
               4.02(b)(iii)(A)  through (C) and after  taking  into  account any
               distributions of the Accrual Distribution Amount, concurrently to
               the Class A-4  Certificates  and Class A-8  Certificates on a pro
               rata  basis  in  accordance  with  their  respective  Certificate
               Principal Balances,  until the Certificate  Principal Balances of
               the Class A-4 Certificates  and Class A-8 Certificates  have been
               reduced to zero.

(c) On or after the occurrence of the Credit Support Depletion Date but prior to
the  reduction  of the  Certificate  Principal  Balance  of the  Senior  Support
Certificates to zero, all priorities  relating to  distributions as described in
Section 4.02(b) above relating to principal among the Senior Certificates, other
than the Class A-P Certificates,  will be disregarded.  Instead,  (i) the Senior
Principal  Distribution  Amount will be distributed  to the Senior  Certificates
remaining,  other than the Class A-P  Certificates,  pro rata in accordance with
their respective outstanding  Certificate Principal Balances;  provided that the
aggregate  amount  distributable  to the Super  Senior  Certificates  and Senior
Support  Certificates in respect of the aggregate Accrued  Certificate  Interest
thereon  and in  respect  of their  aggregate  pro rata  portion  of the  Senior
Principal  Distribution  Amount will be distributed among those  Certificates in
the following priority: first, to the Super Senior Certificates, up to an amount
equal to the  Accrued  Certificate  Interest on the Super  Senior  Certificates;
second,  to the Super  Senior  Certificates,  up to an amount equal to the Super
Senior Optimal  Principal  Distribution  Amount, in reduction of the Certificate
Principal Balances thereof; third, to the Senior Support Certificates,  up to an
amount equal to the Accrued  Certificate  Interest  thereon;  and fourth, to the
Senior Support  Certificates,  the remainder,  until the  Certificate  Principal
Balance  thereof  has been  reduced  to zero;  and (ii) an  amount  equal to the
Discount Fraction of the principal portion of scheduled and unscheduled payments
received or advanced in respect of Discount  Mortgage  Loans will be distributed
to the Class A-P Certificates.

(d) On or after the  occurrence of the Credit  Support  Depletion  Date and upon
reduction  of  the   Certificate   Principal   Balance  of  the  Senior  Support
Certificates to zero, all priorities  relating to  distributions as described in
Section  4.02(b) and (c) above in respect of principal among the various classes
of  Senior  Certificates  (other  than  the  Class  A-P  Certificates)  will  be
disregarded,  and (i) an amount equal to the Discount  Fraction of the principal
portion of scheduled payments and unscheduled  collections  received or advanced
in respect of the Discount  Mortgage  Loans will be distributed to the Class A-P
Certificates,  (ii) the Senior Principal Distribution Amount will be distributed
to the remaining Senior Certificates (other than the Class A-P Certificates) pro
rata in  accordance  with their  respective  outstanding  Certificate  Principal
Balances  and  (iii)  the  amount  set  forth  in  Section  4.02(a)(i)  will  be
distributed as set forth therein.

                                       31
<PAGE>

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

(f) In addition to the foregoing  distributions,  with respect to any Subsequent
Recoveries,  the Master  Servicer  shall  deposit such funds into the  Custodial
Account  pursuant to Section  3.07(b)(iii).  If,  after taking into account such
Subsequent  Recoveries,  the amount of a Realized Loss is reduced, the amount of
such Subsequent Recoveries will be applied to increase the Certificate Principal
Balance  of the  Class of  Certificates  with a  Certificate  Principal  Balance
greater than zero with the highest  payment  priority to which Realized  Losses,
other than Excess Bankruptcy Losses,  Excess Fraud Losses, Excess Special Hazard
Losses and Extraordinary  Losses, have been allocated,  but not by more than the
amount of Realized  Losses  previously  allocated to that Class of  Certificates
pursuant to Section 4.05. The amount of any remaining Subsequent Recoveries will
be applied to increase from zero the Certificate  Principal Balance of the Class
of  Certificates  with the next  lower  payment  priority,  up to the  amount of
Realized Losses previously  allocated to that Class of Certificates  pursuant to
Section 4.05.  Any remaining  Subsequent  Recoveries  will in turn be applied to
increase  from  zero  the  Certificate   Principal   Balance  of  the  Class  of
Certificates  with the next lower payment  priority up to the amount of Realized
Losses  previously  allocated to that Class of Certificates  pursuant to Section
4.05,  and so on.  Holders  of such  Certificates  will not be  entitled  to any
payment  in  respect  of  Accrued  Certificate  Interest  on the  amount of such
increases for any Interest  Accrual Period preceding the Interest Accrual Period
that relates to the Distribution  Date on which such increase  occurs.  Any such
increases  shall  be  applied  to the  Certificate  Principal  Balance  of  each
Certificate of such Class in accordance with its respective Percentage Interest.

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

(h) Except as  otherwise  provided  in  Section  9.01,  if the  Master  Servicer
anticipates that a final  distribution with respect to any Class of Certificates
will be made on the next Distribution  Date, the Master Servicer shall, no later
than the Determination Date in the month of such final distribution,  notify the
Trustee and the Trustee  shall,  no later than two (2) Business  Days after such
Determination  Date,  mail  on  such  date  to each  Holder  of  such  Class  of
Certificates a notice to the effect that: (i) the Trustee  anticipates  that the
final  distribution  with respect to such Class of Certificates  will be made on
such  Distribution  Date  but  only  upon  presentation  and  surrender  of such
Certificates at the office of the Trustee or as otherwise specified therein, and
(ii) no interest shall accrue on such Certificates from and after the end of the

                                       32
<PAGE>

related Interest Accrual Period. In the event that  Certificateholders  required
to surrender  their  Certificates  pursuant to Section  9.01(c) do not surrender
their  Certificates  for final  cancellation,  the  Trustee  shall  cause  funds
distributable  with  respect  to such  Certificates  to be  withdrawn  from  the
Certificate Account and credited to a separate escrow account for the benefit of
such Certificateholders as provided in Section 9.01(d)

(i) On each Distribution Date preceding the Accretion  Termination Date, Accrued
Certificate  Interest  that  would  otherwise  be  distributed  to  the  Accrual
Certificates  will be added to the Certificate  Principal Balance of the Accrual
Certificates and such amount will thereafter  accrue interest at a rate of 6.25%
per annum. On the Accretion  Termination Date, the Accrued Certificate  Interest
on the Accrual  Certificates for such date will be payable to the holders of the
Accretion  Directed  Certificates  as a  distribution  of principal  pursuant to
Section  4.02(b)(ii) until the Certificate  Principal Balances thereof have been
reduced to zero,  any such  amount  will be added to the  Certificate  Principal
Balance  of the  Accrual  Certificates,  and any  remaining  amount  of  Accrued
Certificate  Interest will be paid to the holders of the Accrual Certificates as
a distribution  of interest and will not be added to the  Certificate  Principal
Balance thereof;  provided,  however,  if the Accretion  Termination Date is the
Credit Support Depletion Date, the entire amount of Accrued Certificate Interest
on the Accrual  Certificates for such date will be payable to the holders of the
Accrual  Certificates as a distribution of interest and will not be added to the
Certificate Principal Balance thereof.

Section 4.03.  Statements to Certificateholders, Exchange Act Reporting

        (a)  Concurrently  with each  distribution  charged  to the  Certificate
Account and with respect to each  Distribution  Date the Master  Servicer  shall
forward to the  Trustee  and the Trustee  shall  either  forward by mail or make
available to each Holder and the Company,  via the Trustee's internet website, a
statement  (and  at  its  option,  any  additional  files  containing  the  same
information in an alternative format) setting forth information as to each Class
of Certificates, the Mortgage Pool and, if the Mortgage Pool is comprised of two
or more Loan Groups,  each Loan Group, to the extent applicable.  This statement
will include the information  set forth in an exhibit to the Series  Supplement.
Such exhibit shall set forth the Trustee's  internet  website  address  together
with a phone number. The Trustee shall mail to each Holder that requests a paper
copy by telephone a paper copy via first class mail.  The Trustee may modify the
distribution  procedures set forth in this Section provided that such procedures
are no less  convenient  for the  Certificateholders.  The Trustee shall provide
prior   notification   to   the   Company,   the   Master   Servicer   and   the
Certificateholders  regarding  any such  modification.  In addition,  the Master
Servicer shall provide to any manager of a trust fund  consisting of some or all
of the Certificates,  upon reasonable request, such additional information as is
reasonably  obtainable by the Master  Servicer at no  additional  expense to the
Master Servicer.

        (b) Within a  reasonable  period of time after the end of each  calendar
year,  the Master  Servicer shall  prepare,  or cause to be prepared,  and shall
forward,  or cause to be  forwarded,  to each  Person who at any time during the
calendar year was the Holder of a Certificate, other than a Class R Certificate,
a statement  containing the information set forth in clauses (i) and (ii) of the
exhibit to the Series Supplement  referred to in subsection (a) above aggregated
for such calendar year or applicable  portion  thereof  during which such Person

                                       33
<PAGE>

was a Certificateholder.  Such obligation of the Master Servicer shall be deemed
to have been satisfied to the extent that substantially  comparable  information
shall be provided by the Master  Servicer  pursuant to any  requirements  of the
Code.

        (c) Within a  reasonable  period of time after the end of each  calendar
year,  the Master  Servicer shall  prepare,  or cause to be prepared,  and shall
forward,  or cause to be  forwarded,  to each  Person who at any time during the
calendar year was the Holder of a Class R  Certificate,  a statement  containing
the applicable  distribution  information provided pursuant to this Section 4.03
aggregated  for such calendar year or applicable  portion  thereof  during which
such  Person was the Holder of a Class R  Certificate.  Such  obligation  of the
Master  Servicer  shall be deemed  to have been  satisfied  to the  extent  that
substantially  comparable  information  shall be provided by the Master Servicer
pursuant to any requirements of the Code.

        (d)  Upon the  written  request  of any  Certificateholder,  the  Master
Servicer,  as soon as  reasonably  practicable,  shall  provide  the  requesting
Certificateholder with such information as is necessary and appropriate,  in the
Master  Servicer's  sole  discretion,  for  purposes  of  satisfying  applicable
reporting requirements under Rule 144A.

        (e) The Master Servicer shall, on behalf of the Depositor and in respect
of the Trust Fund,  sign and cause to be filed with the  Commission any periodic
reports  required to be filed under the  provisions of the Exchange Act, and the
rules and  regulations  of the  Commission  thereunder.  In connection  with the
preparation  and filing of such  periodic  reports,  the  Trustee  shall  timely
provide to the Master Servicer (I) a list of Certificateholders as of the end of
each  calendar  year,  (II) all material  information  with respect to any legal
proceedings involving the Trustee or the Trust Fund that is in the possession of
the  Trustee  and  is  not,  to the  best  of the  Trustee's  knowledge,  in the
possession of the Master Servicer,  (III) all material  information with respect
to the submission of matters to a vote of the Certificateholders  that is in the
possession of the Trustee and is not, to the best of the Trustee's knowledge, in
the possession of the Master  Servicer,  and (IV) all material  information with
respect  to  any  failure  of  the  Trustee  to  make  any  distribution  to the
Certificateholders  as required  pursuant to this Agreement.  Neither the Master
Servicer  nor the Trustee  shall have any  liability  with respect to the Master
Servicer's  failure to properly prepare or file such periodic reports  resulting
from or relating  to the Master  Servicer's  inability  or failure to obtain any
information  not resulting from the Master  Servicer's own negligence or willful
misconduct.  Any Form 10-K filed with the  Commission  in  connection  with this
clause (e) shall include a certification, signed by the senior officer in charge
of the  servicing  functions  of the Master  Servicer,  in the form  attached as
Exhibit  Five hereto or such other form as may be required or  permitted  by the
Commission (the "Form 10-K  Certification"),  in compliance with Rule 13a-14 and
15d-14 under the Exchange Act and any additional  directives of the  Commission.
This Section  4.03(e) may be amended in accordance  with this Agreement  without
the consent of the Certificateholders.

               Section 4.04.  Distribution  of  Reports to the  Trustee  and the
                    Company;  Advances by the Master Servicer. (See Section 4.04
                    of the Standard Terms)

               Section 4.05. Allocation of Realized Losses.

        Prior to each Distribution Date, the Master Servicer shall determine the
total  amount  of  Realized  Losses,   if  any,  that  resulted  from  any  Cash
Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation
or REO Disposition that occurred during the related Prepayment Period or, in the

                                       34
<PAGE>

case of a Servicing  Modification  that  constitutes a reduction of the interest
rate on a Mortgage Loan, the amount of the reduction in the interest  portion of
the  Monthly  Payment  due during the  related  Due  Period.  The amount of each
Realized  Loss shall be  evidenced  by an  Officers'  Certificate.  All Realized
Losses, other than Excess Special Hazard Losses,  Extraordinary  Losses,  Excess
Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows:  first,
to the Class B-3 Certificates  until the Certificate  Principal  Balance thereof
has been  reduced  to zero;  second,  to the  Class B-2  Certificates  until the
Certificate  Principal  Balance thereof has been reduced to zero;  third, to the
Class B-1 Certificates until the Certificate  Principal Balance thereof has been
reduced to zero;  fourth,  to the Class M-3  Certificates  until the Certificate
Principal  Balance  thereof has been  reduced to zero;  fifth,  to the Class M-2
Certificates until the Certificate Principal Balance thereof has been reduced to
zero;  sixth,  to the Class M-1  Certificates  until the  Certificate  Principal
Balance thereof has been reduced to zero; and, thereafter,  if any such Realized
Losses are on a Discount  Mortgage  Loan,  to the Class A-P  Certificates  in an
amount equal to the Discount Fraction of the principal portion thereof,  and the
remainder of such Realized Losses on the Discount  Mortgage Loans and the entire
principal and interest portion of such Realized Losses on Non-Discount  Mortgage
Loans will be allocated among all Senior  Certificates (other than the Class A-P
Certificates) on a pro rata basis, as described below;  provided,  however, that
Realized Losses  otherwise  allocable to the Super Senior  Certificates  will be
allocated to the Senior Support  Certificates  until the  Certificate  Principal
Balance of the Senior  Support  Certificates  is reduced to zero.  The principal
portion of any Excess Special Hazard Losses,  Excess Bankruptcy  Losses,  Excess
Fraud  Losses  and  Extraordinary  Losses on  Discount  Mortgage  Loans  will be
allocated  to the Class A-P  Certificates  in an  amount  equal to the  Discount
Fraction  thereof and the  remainder of the  principal  portion of such Realized
Losses on Discount  Mortgage Loans and the entire amount of such Realized Losses
on Non-Discount  Mortgage Loans will be allocated among the Senior  Certificates
(other than the Class A-P Certificates) and the Subordinate  Certificates,  on a
pro rata basis, as described below; provided, however, that such Realized Losses
otherwise  allocable to the Super Senior  Certificates  will be allocated to the
Senior  Support  Certificates  until the  Certificate  Principal  Balance of the
Senior Support Certificates has been reduced to zero.

        As used herein,  an  allocation of a Realized Loss on a "pro rata basis"
among two or more specified Classes of Certificates means an allocation on a pro
rata  basis,  among the  various  Classes  so  specified,  to each such Class of
Certificates,  on the  basis of their  then  outstanding  Certificate  Principal
Balances prior to giving effect to distributions to be made on such Distribution
Date in the case of the  principal  portion of a  Realized  Loss or based on the
Accrued Certificate  Interest thereon payable on such Distribution Date (without
regard to any Compensating  Interest for such Distribution  Date) in the case of
an interest  portion of a Realized  Loss.  Except as  provided in the  following
sentence, any allocation of the principal portion of Realized Losses (other than
Debt Service  Reductions) to a Class of  Certificates  shall be made by reducing
the  Certificate  Principal  Balance  thereof by the amount so allocated,  which
allocation shall be deemed to have occurred on such Distribution Date;  provided
that the Certificate  Principal Balance of the Accrual Certificates for purposes
of this  Section  4.05  shall be the  lesser  of (a) the  Certificate  Principal
Balance  of the  Accrual  Certificates  as of the  Closing  Date,  and  (b)  the
Certificate  Principal  Balance of the  Accrual  Certificates  as of the date of
determination. Any allocation of the principal portion of Realized Losses (other
than Debt Service  Reductions) to the Subordinate  Certificates then outstanding

                                       35
<PAGE>

with  the  Lowest  Priority  shall be made by  operation  of the  definition  of
"Certificate  Principal  Balance" and by operation of the  provisions of Section
4.02(a).  Allocations of the interest  portions of Realized Losses shall be made
in proportion to the amount of Accrued Certificate  Interest and by operation of
the  definition  of  "Accrued  Certificate  Interest"  and by  operation  of the
provisions of Section  4.02(a).  Allocations  of the  principal  portion of Debt
Service  Reductions  shall be made by  operation  of the  provisions  of Section
4.02(a).  All  Realized  Losses  and all other  losses  allocated  to a Class of
Certificates hereunder will be allocated among the Certificates of such Class in
proportion to the Percentage  Interests evidenced thereby;  provided that if any
Subclasses of the Class A-V  Certificates  have been issued  pursuant to Section
5.01(c),  such  Realized  Losses  and other  losses  allocated  to the Class A-V
Certificates  shall be allocated  among such  Subclasses  in  proportion  to the
respective amounts of Accrued Certificate  Interest payable on such Distribution
Date that would have resulted absent such reductions.

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

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

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

                                       36
<PAGE>

                                   ARTICLE V

                                THE CERTIFICATES

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

        Section 5.02. Registration of Transfer and Exchange of Certificates.

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

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

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

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

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

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

                                       37
<PAGE>

                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

                     (SEE ARTICLE VI OF THE STANDARD TERMS)

                                       38
<PAGE>

                                  ARTICLE VII
                                     DEFAULT

                     (SEE ARTICLE VII OF THE STANDARD TERMS)

                                       39
<PAGE>

                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

                    (SEE ARTICLE VIII OF THE STANDARD TERMS)

                                       40
<PAGE>

                                  ARTICLE IX.
                                   TERMINATION

                     (SEE ARTICLE IX OF THE STANDARD TERMS)

                                       41
<PAGE>

                                   ARTICLE X
                                REMIC PROVISIONS

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

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

     Section 10.03..Designation of REMICs.

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

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

        The Class A-1,  Class A-2,  Class A-3,  Class A-4, Class A-5, Class A-6,
Class A-7, Class A-8,  Class A-9,  Class A-10,  Class A-P, Class M-1, Class M-2,
Class  M-3,   Class  B-1,  Class  B-2  and  Class  B-3   Certificates   and  the
Uncertificated  REMIC II Regular Interests Z, the rights in and to which will be
represented by the Class A-V Certificates,  will be "regular interests" in REMIC
II,  and the  Class  R-II  Certificates  will be the  sole  class  of  "residual
interests"  therein for  purposes of the REMIC  Provisions  (as defined  herein)
under federal  income tax law. On and after the date of issuance of any Subclass
of Class A-V Certificates  pursuant to Section  5.01(c),  any such Subclass will
represent the Uncertificated  REMIC II Regular Interest or Interests Z specified
by the initial Holder of the Class A-V Certificates pursuant to said Section.

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

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

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

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

                                       42
<PAGE>

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

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

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

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

               (ii)  Realized  Losses  allocated  to the Class A-1  Certificates
        under Section 4.05 shall be deemed allocated to  Uncertificated  REMIC I
        Regular Interest R;

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

               (iv) Realized Losses  allocated to the Class A-4 Certificates and
        Class A-9  Certificates  under Section 4.05 shall be deemed allocated to
        Uncertificated REMIC I Regular Interest T;

               (v) Realized Losses allocated to the Class A-5 Certificates under
        Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular
        Interest U;

               (vi)  Realized  Losses  allocated  to the Class A-7  Certificates
        under Section 4.05 shall be deemed allocated to  Uncertificated  REMIC I
        Regular Interest V;

               (vii) Realized  Losses  allocated to the Class A-10  Certificates
        under Section 4.05 shall be deemed allocated to  Uncertificated  REMIC I
        Regular Interest W:

                                       43
<PAGE>

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

               (ix) Realized Losses allocated to the Class A-6, Class A-8, Class
        M-1,  Class M-2,  Class M-3,  Class B-1,  Class B-2, Class B-3 and Class
        R-II  Certificates  under  Section  4.05  shall be deemed  allocated  to
        Uncertificated REMIC I Regular Interest Y; and

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

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

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

Section 10.05. Compliance with Withholding Requirements.

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

                                       44
<PAGE>

                                   ARTICLE XI

                            MISCELLANEOUS PROVISIONS

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

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

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

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

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

<TABLE>

            RECIPIENT                                         ADDRESS

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

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

Trustee                            Corporate Trust Office
                                   1761 East St. Andrew Place
                                   Santa Ana, California 92705-4934,
                                   Attention:  Residential Accredit Loans, Inc. Series 2002-QS12

                                   The Trustee designates its offices located at
                                   c/o DTC Transfer  Services,  55 Water Street,
                                   Jeanette Street Park Entrance,  New York, New
                                   York 10041,  for the purposes of Section 8.12
                                   of the Standard Terms

Fitch Ratings                      One State Street Plaza
                                   New York, New York 10004

Standard & Poor's Ratings          55 Water Street Services,  a division of The New York,
                                   New York 10041 McGraw-Hill Companies, Inc.

</TABLE>

                                       45
<PAGE>

Any notice  required or permitted to be mailed to a  Certificateholder  shall be
given by first class  mail,  postage  prepaid,  at the address of such holder as
shown  in the  Certificate  Register.  Any  notice  so  mailed  within  the time
prescribed in this Agreement  shall be  conclusively  presumed to have been duly
given, whether or not the Certificateholder receives such notice.

     Section 11.06.  Required  Notices to Rating  Agency and  Subservicer.  (See
          Section 11.06 of the Standard Terms)

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

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

     Section 11.09. Allocation of Voting Rights.

               96% of all of the Voting Rights shall be allocated  among Holders
of  Certificates,  other  than  the  Interest  Only  Certificates  and  Class  R
Certificates, in proportion to the outstanding Certificate Principal Balances of
their respective Certificates;  1% of all Voting Rights shall be allocated among
the Holders of the Class A-3  Certificates,  in accordance with their respective
Percentage  Interests;  1% of all Voting  Rights  shall be  allocated  among the
Holders of the Class A-9  Certificates,  in  accordance  with  their  respective
Percentage  Interests;  1% of all Voting  Rights  shall be  allocated  among the
Holders of the Class A-V  Certificates,  in  accordance  with  their  respective
Percentage  Interests;  0.5% of all Voting  Rights shall be allocated  among the
Holders of the Class R-I  Certificates,  in  accordance  with  their  respective
Percentage Interests; and 0.5% of all Voting Rights shall be allocated among the
Holders of the Class R-II  Certificates,  in  accordance  with their  respective
Percentage Interests.

     Section 11.10. No Petition.

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

                                       46
<PAGE>

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

                                       RESIDENTIAL ACCREDIT LOANS, INC.
[Seal]

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

Attest: //s// Julie Steinhagen
        ------------------------------------
      Name:   Julie Steinhagen
      Title:  Vice President

                                       RESIDENTIAL FUNDING CORPORATION
[Seal]

                                            By: //s// Julie Steinhagen
                                               --------------------------------
                                                 Name:  Julie Steinhagen
                                                 Title:  Director

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

                               DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee
[Seal]

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

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

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

                                       47
<PAGE>

STATE OF MINNESOTA
                                  )
                                  ) ss.:
COUNTY OF HENNEPIN                )
               On the 27th day of September,  2002 before me, a notary public in
and for said State,  personally appeared Joseph Orning, known to me to be a Vice
President of Residential  Accredit  Loans,  Inc., one of the  corporations  that
executed  the  within  instrument,  and also  known to me to be the  person  who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

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

                                                   //s// Maren Matthews
                                                   ----------------------------
                                                          Notary Public

[Notarial Seal]

                                       48
<PAGE>

STATE OF MINNESOTA
                                  )
                                  ) ss.:
COUNTY OF HENNEPIN                )
               On the 27th day of September,  2002 before me, a notary public in
and for said State,  personally  appeared Julie Steinhagen,  known to me to be a
Director  of  Residential  Funding  Corporation,  one of the  corporations  that
executed  the  within  instrument,  and also  known to me to be the  person  who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

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

                                                   //s// Maren Matthews
                                                   ----------------------------
                                                          Notary Public

[Notarial Seal]

                                       49
<PAGE>

STATE OF CALIFORNIA
                                  )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 27th day of September,  2002 before me, a notary public in
and for said State,  personally  appeared  Ronaldo  Reyes,  known to me to be an
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

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

                                                   //s// Brent Wayne Hoyler
                                                   -----------------------------
                                                          Notary Public

[Notarial Seal]

                                       50
<PAGE>

STATE OF CALIFORNIA               )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 27th day of September,  2002 before me, a notary public in
and for said State,  personally appeared James F. Noriega,  known to me to be an
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

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

                                            //s// Brent Wayne Hoyler
                                            ------------------------------------
                                                   Notary Public

[Notarial Seal]

                                       51
<PAGE>

                                   EXHIBIT ONE

                             MORTGAGE LOAN SCHEDULE

  RUN ON     : 09/24/02           RFC DISCLOSURE SYSTEM       RFFSDFIX-01
  AT         : 09.53.25           FIXED PASSTHRU REPORT       AMORTIZED BALANCE
  SERIES     : RALI 2002-QS12                                 CUTOFF : 09/01/02
  POOL       : 0004621
             :
             :
  POOL STATUS: F

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

      5085314                              .2500
      133,429.57                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.2500                         .9200

      5474886                              .2500
      323,859.89                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.2500                         .9200

      5536482                              .2500
      716,605.11                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5791336                              .2500
       51,841.22                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      6632756                              .2500
      362,900.88                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      7447603                              .2500
      451,547.61                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200
1

      7586120                              .2500
      208,597.96                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7649357                              .2500
      138,603.79                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.2500                        1.1700

      7651370                              .2500
      150,603.08                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      7665629                              .2500
      151,555.71                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.2500                        1.0450

      7669339                              .2500
      144,365.23                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.2500                         .9200

      7670591                              .2500
       71,794.74                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.2500                        1.1700

      7672771                              .2500
      235,468.58                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      7676799                              .2500
      151,760.39                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950
1

      7681511                              .2500
      266,993.05                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.2500                         .9200

      7684145                              .2500
      189,356.02                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7685253                              .2500
      221,826.27                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.2500                        1.1700

      7695893                              .2500
       91,813.58                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.2500                        1.4200

      7699775                              .2500
      211,488.38                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      7706811                              .2500
      214,246.41                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7712217                              .2500
       35,928.84                          .0800
            8.0000                         .0000
            7.7500                         .0000
            7.6700                         .0000
            6.2500                        1.4200

      7713063                              .2500
      224,532.40                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.2500                        1.2950
1

      7713299                              .2500
      349,116.10                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.2500                         .9200

      7718251                              .2500
      159,233.43                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      7721657                              .2500
      197,522.18                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      7722325                              .2500
      184,311.83                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7727071                              .2500
       83,877.76                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      7727419                              .2500
      235,401.79                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7731393                              .2500
       83,708.22                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      7732205                              .2500
       58,861.10                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700
1

      7734777                              .2500
       70,189.03                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.2500                         .9200

      7735091                              .2500
       39,088.28                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.2500                        1.1700

      7742823                              .2500
       94,132.94                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.2500                        1.1700

      7742879                              .2500
      386,310.69                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      7748369                              .2500
       72,607.27                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.2500                        1.0450

      7751391                              .2500
      114,744.59                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      7751479                              .2500
       80,806.46                          .0800
            8.2500                         .0000
            8.0000                         .0000
            7.9200                         .0000
            6.2500                        1.6700

      7751533                              .2500
      132,581.66                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200
1

      7756137                              .2500
      159,767.66                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.2500                        1.0450

      7757429                              .2500
      173,650.79                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.2500                         .9200

      7759693                              .2500
       99,240.55                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      7760745                              .2500
      124,982.39                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      7760773                              .2500
       62,851.65                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      7763299                              .2500
      139,775.42                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      7764575                              .2500
      143,589.45                          .0800
            7.3750                         .0000
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            6.4200                         .0000
            6.2500                         .1700

      8007417                              .2500
       91,909.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      8007895                              .2500
      129,600.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      8008095                              .2500
      290,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950
1

      8008479                              .2500
      108,000.00                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      8009373                              .2500
      328,500.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      8009387                              .2500
      320,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      8009419                              .2500
      217,000.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      8009423                              .2500
      268,000.00                          .0300
            6.3750                         .0000
            6.1250                         .0000
            6.0950                         .0000
            6.0950                         .0000

      8009469                              .2500
      320,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      8009485                              .2500
       76,000.00                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.2500                        1.1700

      8009529                              .2500
      260,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450
1

      8009541                              .2500
      205,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      8009657                              .2500
      124,450.00                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      8009695                              .2500
      160,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      8009977                              .2500
       65,700.00                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      8011135                              .2500
      118,400.00                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      8011313                              .2500
      384,000.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      8011615                              .2500
      435,000.00                          .0300
            6.3750                         .0000
            6.1250                         .0000
            6.0950                         .0000
            6.0950                         .0000

      8011631                              .2500
      149,888.67                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.2500                         .9200
1

      8011633                              .2500
      145,880.32                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      8011635                              .2500
       32,968.49                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      8011639                              .2500
      439,639.33                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      8011645                              .2500
       53,959.92                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.2500                         .9200

      8011659                              .2500
      233,808.19                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      8011661                              .2500
      146,729.56                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      8011677                              .2500
      198,844.75                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      8011679                              .2500
      155,872.12                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200
1

      8011681                              .2500
      127,889.79                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      8011683                              .2500
      137,889.64                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      8011685                              .2500
      152,877.65                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      8011691                              .2500
       52,000.00                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.2500                        1.0450

      8011699                              .2500
      473,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      8011703                              .2500
      108,000.00                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.2500                        1.0450

      8011739                              .2500
      188,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      8011783                              .2500
      322,000.00                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.2500                        1.1700
1

      8011841                              .2500
      126,000.00                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.2500                        1.1700

      8011939                              .2500
      480,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      8011977                              .2500
      136,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      8013301                              .2500
      275,000.00                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      8013371                              .2500
      110,800.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      8013451                              .2500
      184,000.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      8013495                              .2500
       61,200.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      8013579                              .2500
       78,500.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200
1

      8013685                              .2500
      117,900.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      8013769                              .2500
      165,000.00                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      8014153                              .2500
      100,450.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      8015103                              .2500
      101,150.00                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.2500                        1.1700

      8015233                              .2500
      212,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      8015537                              .2500
      149,000.00                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.2500                        1.1700

      8016851                              .2500
       70,650.00                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.2500                        1.0450

      8018011                              .2500
      146,300.00                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950
1

      8022153                              .2500
       71,000.00                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.2500                         .9200

      8022721                              .2500
      468,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      8025327                              .2500
      204,000.00                          .0300
            6.3750                         .0000
            6.1250                         .0000
            6.0950                         .0000
            6.0950                         .0000

      8034335                              .2500
      300,700.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      8036677                              .2500
      276,000.00                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      8052746                              .2500
       56,774.98                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      8248026                              .2500
       51,488.97                          .0800
            8.2500                         .0000
            8.0000                         .0000
            7.9200                         .0000
            6.2500                        1.6700

      8284824                              .2500
      525,996.98                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450
1

      8312958                              .2500
      251,435.42                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.2500                         .9200

      8317772                              .2500
      159,730.39                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      8318398                              .2500
       84,933.69                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      8319340                              .2500
       84,933.69                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      8319972                              .2500
      120,401.23                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      8321096                              .2500
      211,817.47                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      8321544                              .2500
      227,698.93                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      8322238                              .2500
      149,383.38                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700
1

      8322490                              .2500
      225,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      8322984                              .2500
      136,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      8322990                              .2500
      415,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      8323174                              .2500
      270,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      8323188                              .2500
      170,400.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      8323192                              .2500
      280,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      8323864                              .2500
      251,500.00                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.2500                        1.1700

      8324172                              .2500
      280,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700
1

      8324200                              .2500
      212,400.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      8324648                              .2500
      370,000.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      8326262                              .2500
      298,750.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      8326470                              .2500
      301,750.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

  TOTAL NUMBER OF LOANS:     2322
  TOTAL BALANCE........:        371,546,460.24

  RUN ON     : 09/24/02            RFC DISCLOSURE SYSTEM      RFFSDFIX-01
  AT         : 09.53.25            INITIAL SECURITY FEES      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS12       FIXED SUMMARY REPORT      CUTOFF : 09/01/02
  POOL       : 0004621
             :
             :
  POOL STATUS: F

                                   WEIGHTED AVERAGES      FROM         TO
  -----------------------------------------------------------------------------
  CURR NOTE RATE                        7.1330            6.1250      8.8750
  RFC NET RATE                          6.8829            5.8750      8.6250
  NET MTG RATE(INVSTR RATE)             6.8069            5.8450      8.5450
  POST STRIP RATE                       6.2431            5.8450      6.2500
  SUB SERV FEE                           .2501             .2500       .3750
  MSTR SERV FEE                          .0761             .0300        .0800
  ALL EXP                                .0000             .0000       .0000
  MISC EXP                               .0000             .0000       .0000
  SPREAD                                 .0000             .0000       .0000
  STRIP                                  .5637             .0000      2.2950

  TOTAL NUMBER OF LOANS:  2322
  TOTAL BALANCE........:     371,546,460.24

                             ***************************
                             *      END OF REPORT      *
                             ***************************
  RUN ON     : 09/24/02           RFC DISCLOSURE SYSTEM       RFFSD177-01
  AT         : 09.53.25          FIXED RATE LOAN LISTING      AMORTIZED BALANCE
  SERIES     : RALI 2002-QS12                                 CUTOFF : 09/01/02
  POOL       : 0004621
             :
             :
  POOL STATUS: F

  RFC LOAN #     S/S CODE          PMT TYPE      ORIGINAL BAL     LOAN FEATURE
                                   ORIG TERM     PRINCIPAL BAL    # OF UNITS
  ORIG RATE                                      ORIGINAL P+I     LTV
  CURR NET                                       CURRENT P+I
  CITY           STATE  ZIP        LOAN PURP     NOTE DATE        MI CO CODE
  SERVICER LOAN #                  PROP TYPE     1ST PMT DATE     MI CVG
  SELLER LOAN #                    OCCP CODE     MATURITY DATE
  INVESTOR LOAN #
  ______________________________________________________________________________

    5085314          074/G02             F          135,000.00         ZZ
                                         360        133,429.57          1
                                       7.500            943.94         55
                                       7.250            943.94
    GLEN CARBON      IL   62034          5            05/24/01         00
    0432933828                           05           07/01/01          0
    1632071308                           O            06/01/31
    0

    5474886          T44/G02             F          328,000.00         ZZ
                                         360        323,859.89          1
                                       7.500          2,293.42         80
                                       7.250          2,293.42
    BENICIA          CA   94510          5            09/07/01         00
    0433251246                           05           11/01/01          0
    1017590                              O            10/01/31
    0

    5536482          R65/G02             F          723,000.00         ZZ
                                         360        716,605.11          1
                                       7.250          4,932.13         73
                                       7.000          4,932.13
    DEERFIELD        IL   60015          2            09/27/01         00
    0433349396                           05           11/01/01          0
    20014313                             O            10/01/31
    0

    5791336          U45/G02             F           52,250.00         ZZ
                                         360         51,841.22          1
                                       7.375            360.88         95
                                       7.125            360.88
    COLORADO SPRING  CO   80906          1            10/05/01         01
    0433370194                           08           12/01/01         30
1

    6187110675                           O            11/01/31
    0

    6632756          696/G02             F          365,800.00         ZZ
                                         360        362,900.88          1
                                       6.750          2,372.57         80
                                       6.500          2,372.57
    SILVER SPRING    MD   20904          1            11/15/01         00
    0433389715                           03           01/01/02          0
    32201118                             O            12/01/31
    0

    7447603          E82/G02             F          453,200.00         ZZ
                                         360        451,547.61          1
                                       7.000          3,015.15         76
                                       6.750          3,015.15
    TEMPLETON        CA   93465          2            04/09/02         00
    0400603379                           05           06/01/02          0
    4306737                              O            05/01/32
    0

    7586120          E82/G02             F          210,000.00         ZZ
                                         360        208,597.96          1
                                       6.875          1,379.55         75
                                       6.625          1,379.55
    BEND             OR   97701          5            01/24/02         00
    0400540423                           05           03/01/02          0
    0400540423                           O            02/01/32
    0

    7649357          642/G02             F          139,000.00         ZZ
                                         360        138,603.79          1
                                       7.750            995.81        100
                                       7.500            995.81
    BLOOMINGTON      CA   92316          2            04/22/02         10
    0433951191                           05           06/01/02         35
    03174102                             O            05/01/32
    0

    7651370          588/G02             F          151,200.00         ZZ
                                         360        150,603.08          1
                                       7.250          1,031.45         80
                                       7.000          1,031.45
    CENTREVILLE      VA   20120          1            03/08/02         00
    0433852407                           09           05/01/02          0
    1058807                              O            04/01/32
    0

1

    7665629          E86/G02             F          152,000.00         ZZ
                                         360        151,555.71          1
                                       7.625          1,075.85         80
                                       7.375          1,075.85
    MORENO VALLEY    CA   92555          1            04/11/02         00
    0434159497                           05           06/01/02          0
    0000188152                           O            05/01/32
    0

    7669339          477/G02             F          144,800.00         ZZ
                                         360        144,365.23          1
                                       7.500          1,012.46         80
                                       7.250          1,012.46
    GRIZZLY FLATS    CA   95636          2            04/22/02         00
    0433984093                           05           06/01/02          0
    107906                               O            05/01/32
    0

    7670591          E22/G02             F           72,000.00         ZZ
                                         360         71,794.74          1
                                       7.750            515.82         90
                                       7.500            515.82
    SACRAMENTO       CA   95820          1            04/25/02         04
    0413974460                           05           06/01/02         25
    0413974460                           N            05/01/32
    0

    7672771          964/G02             F          236,250.00         ZZ
                                         360        235,468.58          1
                                       7.000          1,571.78         75
                                       6.750          1,571.78
    DENVER           CO   80212          5            04/23/02         00
    0434467783                           01           06/01/02          0
    204484                               O            05/01/32
    0

    7676799          T29/G02             F          152,228.00         ZZ
                                         360        151,760.39          1
                                       7.375          1,051.40         80
                                       7.125          1,051.40
    PHOENIX          AZ   85085          1            04/17/02         00
    0433988599                           03           06/01/02          0
    1200805                              O            05/01/32
    0

    7681511          624/G02             F          268,000.00         ZZ
                                         360        266,993.05          1
                                       7.500          1,873.89         80
                                       7.250          1,873.89
1

    SAN LUIS OBISPO  CA   93401          1            03/27/02         00
    0434008223                           05           05/01/02          0
    72017420013F                         N            04/01/32
    0

    7684145          P09/G02             F          190,000.00         ZZ
                                         360        189,356.02          1
                                       6.875          1,248.16         87
                                       6.625          1,248.16
    ASHBURN          VA   20147          5            04/30/02         10
    0434044764                           09           06/01/02         25
    R0204049                             O            05/01/32
    0

    7685253          E22/G02             F          222,300.00         ZZ
                                         360        221,826.27          4
                                       7.750          1,592.58         95
                                       7.500          1,592.58
    CHICAGO          IL   60620          1            05/10/02         11
    0413782004                           05           07/01/02         30
    0413782004                           O            06/01/32
    0

    7695893          U05/G02             F           92,000.00         ZZ
                                         360         91,813.58          1
                                       8.000            675.06         77
                                       7.750            675.06
    LUBBOCK          TX   79403          5            05/03/02         00
    0434419180                           05           07/01/02          0
    3214481                              O            06/01/32
    0

    7699775          X08/G02             F          212,000.00         ZZ
                                         360        211,488.38          2
                                       7.125          1,428.28         80
                                       6.875          1,428.28
    HEBER CITY       UT   84032          2            05/13/02         00
    0434040465                           05           07/01/02          0
    1562146                              N            06/01/32
    0

    7706811          676/G02             F          216,000.00         ZZ
                                         360        214,246.41          1
                                       6.625          1,383.08         67
                                       6.375          1,383.08
    KANEOHE          HI   96744          2            11/09/01         00
    0434114963                           05           01/01/02          0
    VAKAUTA                              O            12/01/31
    0
1

    7712217          U66/G02             F           36,000.00         ZZ
                                         360         35,928.84          2
                                       8.000            264.16         90
                                       7.750            264.16
    HOUSTON          TX   77004          1            05/07/02         11
    0434140612                           05           07/01/02         25
    378                                  N            06/01/32
    0

    7713063          E22/G02             F          225,000.00         ZZ
                                         360        224,532.40          1
                                       7.875          1,631.41         90
                                       7.625          1,631.41
    WELLINGTON       CO   80549          2            05/22/02         04
    0413822347                           04           07/01/02         25
    0413822347                           O            06/01/32
    0

    7713299          E22/G02             F          349,900.00         ZZ
                                         360        349,116.10          1
                                       7.500          2,446.55         68
                                       7.250          2,446.55
    POLLOCK PINES    CA   95726          2            05/14/02         00
    0414110817                           05           07/01/02          0
    0414110817                           O            06/01/32
    0

    7718251          477/G02             F          159,600.00         ZZ
                                         360        159,233.43          2
                                       7.375          1,102.32         80
                                       7.125          1,102.32
    LOS ANGELES      CA   90016          1            05/01/02         00
    0434071007                           05           07/01/02          0
    232160                               O            06/01/32
    0

    7721657          E57/G02             F          198,000.00         ZZ
                                         360        197,522.18          1
                                       7.125          1,333.96         90
                                       6.875          1,333.96
    MADERA           CA   93638          1            05/21/02         01
    0434115077                           05           07/01/02         30
    13002431                             O            06/01/32
    0

    7722325          964/G02             F          185,000.00         ZZ
                                         360        184,311.83          1
1

                                       6.875          1,215.32         44
                                       6.625          1,215.32
    SOUTH SAN FRANC  CA   94080          5            04/22/02         00
    0434066197                           05           06/01/02          0
    202660                               O            05/01/32
    0

    7727071          601/G02             F           84,500.00         T
                                         360         83,877.76          1
                                       7.125            569.30         71
                                       6.875            569.30
    CLINTON          OH   42216          5            05/03/02         00
    0434088266                           05           06/01/02          0
    6124894                              O            05/01/32
    0

    7727419          E22/G02             F          236,000.00         ZZ
                                         360        235,401.79          1
                                       6.875          1,550.35         80
                                       6.625          1,550.35
    AUSTIN           TX   78739          5            05/22/02         00
    0414126235                           03           07/01/02          0
    0414126235                           O            06/01/32
    0

    7731393          601/G02             F           84,000.00         ZZ
                                         360         83,708.22          1
                                       6.750            544.83         80
                                       6.500            544.83
    TAMPA            FL   33612          5            05/02/02         00
    0434078929                           05           06/01/02          0
    61433504                             O            05/01/32
    0

    7732205          W53/G02             F           59,000.00         ZZ
                                         360         58,861.10          1
                                       7.250            402.48         68
                                       7.000            402.48
    SPRING           TX   77388          5            05/10/02         00
    0434363883                           03           07/01/02          0
    8991129600                           O            06/01/32
    0

    7734777          E45/G02             F           70,400.00         ZZ
                                         360         70,189.03          1
                                       7.500            492.25         80
                                       7.250            492.25
    SARASOTA         FL   34236          1            04/29/02         00
    0434174884                           05           06/01/02          0
1

    230026                               N            05/01/32
    0

    7735091          E45/G02             F           39,200.00         ZZ
                                         360         39,088.28          1
                                       7.750            280.83         80
                                       7.500            280.83
    BROOKSVILLE      FL   34602          5            05/03/02         00
    0434103891                           05           06/01/02          0
    224663                               O            05/01/32
    0

    7742823          W40/G02             F           94,500.00         ZZ
                                         360         94,132.94          1
                                       7.750            677.01         90
                                       7.500            677.01
    DETROIT          MI   48228          1            05/30/02         01
    0434099248                           05           07/01/02         25
    200006888                            O            06/01/32
    0

    7742879          696/G02             F          387,200.00         ZZ
                                         360        386,310.69          1
                                       7.375          2,674.29         80
                                       7.125          2,674.29
    ALEXANDRIA       VA   22301          1            05/31/02         00
    0434086765                           05           07/01/02          0
    30502063                             O            06/01/32
    0

    7748369          E22/G02             F           72,800.00         T
                                         360         72,607.27          1
                                       7.625            515.27         80
                                       7.375            515.27
    EVERETT          MI   49301          1            06/04/02         00
    0414146415                           05           07/01/02          0
    0414146415                           O            06/01/32
    0

    7751391          E22/G02             F          115,000.00         ZZ
                                         360        114,744.59          1
                                       7.250            784.50        100
                                       7.000            784.50
    MADERA           CA   93638          2            05/29/02         01
    0414105999                           05           08/01/02         35
    0414105999                           O            07/01/32
    0

1

    7751479          E22/G02             F           80,910.00         ZZ
                                         360         80,806.46          4
                                       8.250            607.85         90
                                       8.000            607.85
    SAINT LOUIS      MO   63118          1            06/05/02         04
    0414169300                           05           08/01/02         25
    0414169300                           N            07/01/32
    0

    7751533          E22/G02             F          132,800.00         ZZ
                                         360        132,581.66          1
                                       7.000            883.52         80
                                       6.750            883.52
    PUEBLO           CO   81003          2            06/05/02         00
    0414191882                           05           08/01/02          0
    0414191882                           N            07/01/32
    0

    7756137          E22/G02             F          160,000.00         ZZ
                                         360        159,767.66          1
                                       7.625          1,132.47         64
                                       7.375          1,132.47
    COLBERT          WA   99005          5            05/29/02         00
    0414126797                           05           08/01/02          0
    0414126797                           O            07/01/32
    0

    7757429          E47/G02             F          174,041.00         ZZ
                                         360        173,650.79          1
                                       7.500          1,216.92         77
                                       7.250          1,216.92
    MONROVIA         MD   21770          5            05/24/02         00
    0434136263                           05           07/01/02          0
    7339010460                           O            06/01/32
    0

    7759693          E82/G02             F           99,400.00         ZZ
                                         360         99,240.55          1
                                       7.125            669.68         89
                                       6.875            669.68
    BIRMINGHAM       AL   35205          2            06/05/02         10
    0400630109                           05           08/01/02         25
    0400630109                           O            07/01/32
    0

    7760745          196/G02             F          125,400.00         ZZ
                                         360        124,982.39          1
                                       7.375            866.11         95
                                       7.125            866.11
1

    LOCKPORT         IL   60441          1            05/06/02         10
    0434189312                           05           07/01/02         35
    1536381                              O            06/01/32
    0

    7760773          196/G02             F           63,000.00         ZZ
                                         360         62,851.65          1
                                       7.250            429.78         60
                                       7.000            429.78
    FRESNO           CA   93722          1            05/29/02         00
    0434179966                           05           07/01/02          0
    1537305                              O            06/01/32
    0

    7763299          K15/G02             F          140,000.00         ZZ
                                         360        139,775.42          1
                                       7.125            943.21         74
                                       6.875            943.21
    BRENTWOOD        NY   11717          5            05/31/02         00
    0434111886                           05           08/01/02          0
    20805303346                          O            07/01/32
    0

    7764575          W50/G02             F          143,920.00         ZZ
                                         360        143,589.45          1
                                       7.375            994.02         80
                                       7.125            994.02
    MINNEAPOLIS      MN   55413          1            05/21/02         00
    0434342291                           05           07/01/02          0
    0020563                              O            06/01/32
    0

    7766311          E22/G02             F           51,500.00         ZZ
                                         360         51,390.25          1
                                       7.750            368.95        100
                                       7.500            368.95
    SAN BERNARDINO   CA   92410          1            05/14/02         01
    0414090639                           05           07/01/02         35
    0414090639                           O            06/01/32
    0

    7766829          313/G02             F           62,000.00         ZZ
                                         360         61,737.92          1
                                       8.125            460.35         80
                                       7.875            460.35
    INDIANAPOLIS     IN   46227          1            05/23/02         00
    0434472049                           05           07/01/02          0
    0008751661                           N            06/01/32
    0
1

    7769175          738/G02             F          227,250.00         ZZ
                                         360        226,753.43          2
                                       7.625          1,608.46         90
                                       7.375          1,608.46
    MIAMI            FL   33137          1            05/24/02         10
    0434206173                           05           07/01/02         25
    40429881                             O            06/01/32
    0

    7769571          U05/G02             F           97,000.00         ZZ
                                         360         96,760.08          1
                                       7.000            645.34         80
                                       6.750            645.34
    CENTRAL POINT    OR   97502          5            05/29/02         00
    0434321295                           05           07/01/02          0
    3228462                              O            06/01/32
    0

    7769655          477/G02             F          148,800.00         ZZ
                                         360        148,466.64          1
                                       7.500          1,040.43         80
                                       7.250          1,040.43
    ELK GROVE        CA   95758          1            05/23/02         00
    0434162350                           05           07/01/02          0
    232419                               O            06/01/32
    0

    7770619          737/G02             F          252,000.00         ZZ
                                         360        251,605.65          4
                                       7.250          1,719.08         80
                                       7.000          1,719.08
    LONG BEACH       CA   90810          1            06/06/02         00
    0434122644                           05           08/01/02          0
    1821628                              O            07/01/32
    0

    7771711          E22/G02             F          212,000.00         ZZ
                                         360        211,642.76          4
                                       6.875          1,392.69         80
                                       6.625          1,392.69
    REDLANDS         CA   92374          1            06/06/02         00
    0414154542                           05           08/01/02          0
    0414154542                           N            07/01/32
    0

    7771847          E22/G02             F          101,150.00         ZZ
                                         360        100,983.70          1
1

                                       7.000            672.95         85
                                       6.750            672.95
    MIAMI            FL   33056          5            06/07/02         04
    0414234583                           05           08/01/02         12
    0414234583                           O            07/01/32
    0

    7774353          964/G02             F          186,200.00         ZZ
                                         360        185,739.46          1
                                       7.000          1,238.79         95
                                       6.750          1,238.79
    LAS VEGAS        NV   89103          1            05/29/02         12
    0434199089                           05           07/01/02         30
    213954                               O            06/01/32
    0

    7775911          964/G02             F          105,000.00         ZZ
                                         360        104,831.58          1
                                       7.125            707.40         80
                                       6.875            707.40
    MCMINNVILLE      OR   97128          2            06/03/02         00
    0434122636                           05           08/01/02          0
    216140                               N            07/01/32
    0

    7775917          964/G02             F           98,500.00         ZZ
                                         360         98,237.83          1
                                       6.625            630.71         62
                                       6.375            630.71
    BEND             OR   97701          5            05/31/02         00
    0434185898                           05           07/01/02          0
    216373                               O            06/01/32
    0

    7776323          E22/G02             F           61,200.00         ZZ
                                         360         60,989.51          1
                                       7.625            433.17         90
                                       7.375            433.17
    CLEVELAND        OH   44105          1            06/13/02         04
    0414255034                           05           08/01/02         25
    0414255034                           O            07/01/32
    0

    7776905          624/G02             F          179,400.00         ZZ
                                         360        178,977.63          1
                                       7.250          1,223.82         78
                                       7.000          1,223.82
    STOCKTON         CA   95206          5            05/11/02         00
    0434135489                           05           07/01/02          0
1

    1000001656                           O            06/01/32
    0

    7776985          624/G02             F           27,518.00         ZZ
                                         360         27,453.21          1
                                       7.250            187.72         80
                                       7.000            187.72
    LAS VEGAS        NV   89110          1            05/14/02         00
    0434167177                           09           07/01/02          0
    1000001290                           N            06/01/32
    0

    7778193          624/G02             F          116,000.00         ZZ
                                         360        115,720.07          1
                                       7.125            781.51         80
                                       6.875            781.51
    SAN DIEGO        CA   92123          1            05/07/02         00
    0434175758                           01           07/01/02          0
    3701992002                           N            06/01/32
    0

    7778347          G75/G75             F           56,300.00         ZZ
                                         360         56,088.45          2
                                       7.500            393.66         80
                                       7.250            393.66
    BALTIMORE        MD   21212          5            03/22/02         00
    04597540                             05           05/01/02          0
    04597540                             N            04/01/32
    0

    7778359          G75/G75             F          123,950.00         ZZ
                                         360        123,760.78          1
                                       7.375            856.10         80
                                       7.125            856.10
    CAPITOL HEIGHTS  MD   20743          1            06/05/02         00
    04661864                             05           08/01/02          0
    04661864                             O            07/01/32
    0

    7778933          U05/G02             F          176,300.00         ZZ
                                         360        175,843.35          1
                                       7.625          1,247.84         95
                                       7.375          1,247.84
    HOMESTEAD        FL   33030          1            06/07/02         11
    0434167458                           05           08/01/02         30
    3232957                              O            07/01/32
    0

1

    7780355          E22/G02             F           67,500.00         ZZ
                                         360         67,394.36          1
                                       7.250            460.47         90
                                       7.000            460.47
    DETROIT          MI   48221          5            06/10/02         04
    0414221150                           05           08/01/02         25
    0414221150                           O            07/01/32
    0

    7781971          144/144             F           63,000.00         ZZ
                                         360         62,858.84          1
                                       7.500            440.51         90
                                       7.250            440.51
    LIVINGSTON MANO  NY   12758          1            05/17/02         14
    1                                    05           07/01/02         25
    1                                    O            06/01/32
    0

    7782113          J95/G02             F           39,240.00         ZZ
                                         360         39,138.87          2
                                       8.250            294.80         90
                                       8.000            294.80
    ST. LOUIS        MO   63107          1            04/23/02         10
    0434204236                           05           06/01/02         25
    0028830800                           N            05/01/32
    0

    7782601          964/G02             F          265,500.00         ZZ
                                         360        265,094.72          4
                                       7.375          1,833.74         90
                                       7.125          1,833.74
    SACRAMENTO       CA   95825          1            06/10/02         11
    0434467726                           05           08/01/02         25
    214658                               N            07/01/32
    0

    7783825          E22/G02             F          162,450.00         ZZ
                                         360        162,200.72          1
                                       7.500          1,135.87         95
                                       7.250          1,135.87
    APPLE VALLEY     CA   92307          5            06/07/02         04
    0413848144                           05           08/01/02         30
    0413848144                           O            07/01/32
    0

    7784065          E22/G02             F           30,828.00         ZZ
                                         360         30,787.53          2
                                       8.125            228.90         90
                                       7.875            228.90
1

    MEMPHIS          TN   38109          1            06/13/02         01
    0414210492                           05           08/01/02         25
    0414210492                           N            07/01/32
    0

    7784143          E22/G02             F           55,400.00         ZZ
                                         360         55,313.30          1
                                       7.250            377.93         74
                                       7.000            377.93
    GREENACRES       FL   33463          5            06/12/02         00
    0414248831                           09           08/01/02          0
    0414248831                           O            07/01/32
    0

    7784177          E22/G02             F           30,828.00         ZZ
                                         360         30,787.53          2
                                       8.125            228.90         90
                                       7.875            228.90
    MEMPHIS          TN   38109          1            06/13/02         01
    0414272856                           05           08/01/02         25
    0414272856                           N            07/01/32
    0

    7784579          X60/G02             F          228,800.00         ZZ
                                         360        228,423.82          1
                                       7.000          1,522.21         80
                                       6.750          1,522.21
    BELLEVUE         WA   98008          1            06/13/02         00
    0434181384                           01           08/01/02          0
    10205005                             O            07/01/32
    0

    7785709          286/286             F          100,000.00         ZZ
                                         360         99,734.09          1
                                       7.250            682.18         80
                                       7.000            682.18
    PENDLETON        IN   46064          1            05/10/02         00
    1272958                              05           07/01/02          0
    1272958                              O            06/01/32
    0

    7785913          286/286             F           98,000.00         ZZ
                                         360         97,667.79          1
                                       6.875            643.80         78
                                       6.625            643.80
    DURHAM           NC   27707          2            05/01/02         00
    1028108                              05           06/01/02          0
    1028108                              N            05/01/32
    0
1

    7786191          286/286             F           95,920.00         ZZ
                                         360         95,688.49          1
                                       7.125            646.24         80
                                       6.875            646.24
    PALMYRA          PA   17078          1            05/21/02         00
    1058755                              03           07/01/02          0
    1058755                              O            06/01/32
    0

    7786255          286/286             F           95,000.00         ZZ
                                         360         94,770.71          1
                                       7.125            640.04         90
                                       6.875            640.04
    CLINTON TOWNSHI  MI   48036          2            05/14/02         10
    1271178                              01           07/01/02         25
    1271178                              O            06/01/32
    0

    7786263          286/286             F           99,750.00         ZZ
                                         360         99,515.12          1
                                       7.250            680.48         95
                                       7.000            680.48
    MIAMI            FL   33173          1            05/17/02         10
    1282367                              03           07/01/02         30
    1282367                              O            06/01/32
    0

    7786333          286/286             F           97,200.00         ZZ
                                         360         96,971.13          1
                                       7.250            663.08         90
                                       7.000            663.08
    CHARLOTTE        NC   28212          2            05/17/02         12
    1269918                              05           07/01/02         25
    1269918                              O            06/01/32
    0

    7786339          286/286             F           99,000.00         ZZ
                                         360         98,705.10          1
                                       7.125            666.99         78
                                       6.875            666.99
    PEKIN            IN   47165          2            05/22/02         00
    1267720                              05           07/01/02          0
    1267720                              O            06/01/32
    0

    7786355          286/286             F           95,000.00         ZZ
                                         360         94,776.32          1
1

                                       7.250            648.07         71
                                       7.000            648.07
    GREENTOWN        IN   46936          1            05/20/02         00
    1274348                              05           07/01/02          0
    1274348                              O            06/01/32
    0

    7786789          286/286             F           95,800.00         ZZ
                                         360         95,465.06          1
                                       7.250            653.53         78
                                       7.000            653.53
    GRANTS           NM   87020          2            04/23/02         00
    1268508                              05           06/01/02          0
    1268508                              N            05/01/32
    0

    7787137          286/286             F          106,000.00         ZZ
                                         360        105,657.88          1
                                       7.125            714.15         76
                                       6.875            714.15
    COLUMBUS         OH   43016          5            04/09/02         00
    1065270                              05           06/01/02          0
    1065270                              N            05/01/32
    0

    7787149          286/286             F           76,000.00         ZZ
                                         360         75,821.05          1
                                       7.250            518.46         80
                                       7.000            518.46
    MONROEVILLE      PA   15146          1            05/13/02         00
    1290706                              05           07/01/02          0
    1290706                              N            06/01/32
    0

    7788773          E22/G02             F           93,520.00         ZZ
                                         360         93,362.41          1
                                       6.875            614.36         80
                                       6.625            614.36
    BOISE            ID   83709          1            06/12/02         00
    0414257634                           03           08/01/02          0
    0414257634                           O            07/01/32
    0

    7788785          E22/G02             F          118,750.00         ZZ
                                         360        118,590.11          1
                                       8.000            871.35         95
                                       7.750            871.35
    MAYWOOD          IL   60153          5            06/13/02         01
    0414264218                           05           08/01/02         30
1

    0414264218                           O            07/01/32
    0

    7791575          K15/G02             F          145,000.00         ZZ
                                         360        144,778.13          1
                                       7.375          1,001.48         73
                                       7.125          1,001.48
    BRENTWOOD        NY   11717          5            06/12/02         00
    0434199097                           05           08/01/02          0
    020805303419                         O            07/01/32
    0

    7791781          E22/G02             F          175,950.00         ZZ
                                         360        175,667.75          1
                                       7.125          1,185.41         79
                                       6.875          1,185.41
    DENTON           TX   76207          5            06/13/02         00
    0414139469                           05           08/01/02          0
    0414139469                           O            07/01/32
    0

    7791899          E22/G02             F          100,000.00         ZZ
                                         360         99,818.71          1
                                       6.500            632.07         54
                                       6.250            632.07
    WATERFORD        MI   48327          5            06/14/02         00
    0414223982                           05           08/01/02          0
    0414223982                           O            07/01/32
    0

    7792357          E85/G02             F          179,000.00         ZZ
                                         360        178,705.70          1
                                       7.000          1,190.89         80
                                       6.750          1,190.89
    HAYWARD          CA   94545          5            06/07/02         00
    0434196549                           01           08/01/02          0
    6000878                              O            07/01/32
    0

    7795333          A06/G02             F           91,200.00         ZZ
                                         360         91,064.20          1
                                       7.500            637.69         80
                                       7.250            637.69
    FERNDALE         MI   48220          1            06/14/02         00
    0434183828                           05           08/01/02          0
    021000020210297                      N            07/01/32
    0

1

    7795381          E22/G02             F           61,600.00         ZZ
                                         360         61,505.96          1
                                       7.375            425.46         80
                                       7.125            425.46
    SACRAMENTO       CA   95815          1            06/07/02         00
    0414083261                           05           08/01/02          0
    0414083261                           N            07/01/32
    0

    7795749          477/G02             F          172,000.00         ZZ
                                         360        171,730.85          1
                                       7.250          1,173.34         80
                                       7.000          1,173.34
    ELK GROVE        CA   95624          1            06/07/02         00
    0434345609                           05           08/01/02          0
    232268                               O            07/01/32
    0

    7795877          K15/G02             F          155,900.00         ZZ
                                         360        155,656.04          1
                                       7.250          1,063.51         80
                                       7.000          1,063.51
    YAPHANK          NY   11980          5            06/14/02         00
    0434462123                           05           08/01/02          0
    020805303402                         O            07/01/32
    0

    7796723          F89/G02             F           65,000.00         ZZ
                                         360         64,890.48          1
                                       6.875            427.00         62
                                       6.625            427.00
    VICTORVILLE      CA   92392          1            06/07/02         00
    0434207338                           05           08/01/02          0
    11721065                             O            07/01/32
    0

    7797889          U05/G02             F          103,950.00         ZZ
                                         360        103,656.49          1
                                       6.875            682.88         80
                                       6.625            682.88
    PORTLAND         OR   97217          1            06/12/02         00
    0434261137                           05           08/01/02          0
    3238347                              N            07/01/32
    0

    7798805          E22/G02             F          102,000.00         ZZ
                                         360        101,830.69          1
                                       7.000            678.61         83
                                       6.750            678.61
1

    OREM             UT   84058          2            06/12/02         04
    0414180356                           01           08/01/02         12
    0414180356                           O            07/01/32
    0

    7798875          E22/G02             F           94,000.00         ZZ
                                         360         93,849.21          1
                                       7.125            633.30         78
                                       6.875            633.30
    NORTH MIAMI BEA  FL   33162          2            06/17/02         00
    0414241885                           05           08/01/02          0
    0414241885                           O            07/01/32
    0

    7798917          E22/G02             F           30,000.00         ZZ
                                         360         29,953.64          1
                                       7.375            207.20         39
                                       7.125            207.20
    PONTIAC          MI   48340          5            06/17/02         00
    0414263558                           05           08/01/02          0
    0414263558                           O            07/01/32
    0

    7798951          E22/G02             F           91,800.00         ZZ
                                         360         91,635.28          1
                                       6.875            603.06         90
                                       6.625            603.06
    HOLLYWOOD        FL   33022          1            06/21/02         04
    0414287516                           05           08/01/02         25
    0414287516                           O            07/01/32
    0

    7798997          E22/G02             F          228,000.00         ZZ
                                         360        227,615.80          1
                                       6.875          1,497.80         80
                                       6.625          1,497.80
    HOLLYWOOD        FL   33020          1            06/21/02         00
    0414323964                           05           08/01/02          0
    0414323964                           O            07/01/32
    0

    7801981          Q73/G02             F          160,000.00         ZZ
                                         360        159,723.71          1
                                       6.750          1,037.76         80
                                       6.500          1,037.76
    LAUREL           MS   39440          5            06/13/02         00
    0434205159                           05           08/01/02          0
    2938141                              O            07/01/32
    0
1

    7801987          477/G02             F           56,050.00         ZZ
                                         360         55,970.62          1
                                       7.750            401.55         95
                                       7.500            401.55
    MORENO VALLEY    CA   92553          1            06/12/02         11
    0434203840                           01           08/01/02         30
    232598                               O            07/01/32
    0

    7802039          E22/G02             F           93,500.00         ZZ
                                         360         93,350.01          1
                                       7.125            629.93         90
                                       6.875            629.93
    MINERSVILLE      PA   17954          2            06/19/02         04
    0413961319                           05           08/01/02         12
    0413961319                           O            07/01/32
    0

    7802079          E22/G02             F           81,000.00         ZZ
                                         360         80,862.07          1
                                       7.000            538.90         90
                                       6.750            538.90
    TAFT             CA   93268          2            06/17/02         01
    0414132068                           05           08/01/02         25
    0414132068                           O            07/01/32
    0

    7802295          E22/G02             F           70,550.00         ZZ
                                         360         70,444.95          1
                                       7.500            493.30         85
                                       7.250            493.30
    SPOKANE          WA   99202          2            06/10/02         04
    0414266833                           05           08/01/02         12
    0414266833                           O            07/01/32
    0

    7802313          E22/G02             F          107,500.00         ZZ
                                         360        107,327.55          3
                                       7.125            724.25         70
                                       6.875            724.25
    HOLLYWOOD        FL   33020          2            06/24/02         00
    0414277566                           05           08/01/02          0
    0414277566                           N            07/01/32
    0

    7802557          E82/G02             F          148,750.00         ZZ
                                         360        148,511.38          3
1

                                       7.125          1,002.16         85
                                       6.875          1,002.16
    CHICAGO          IL   60629          2            06/14/02         04
    0400630786                           05           08/01/02         20
    0400630786                           O            07/01/32
    0

    7802567          E82/G02             F           94,500.00         ZZ
                                         360         94,340.76          1
                                       6.875            620.80         70
                                       6.625            620.80
    NORWICH          CT   06360          2            06/20/02         00
    0400642245                           05           08/01/02          0
    2932743                              O            07/01/32
    0

    7803055          E11/G02             F           96,000.00         ZZ
                                         360         95,849.77          1
                                       7.250            654.89         80
                                       7.000            654.89
    MINNEAPOLIS      MN   55417          1            06/20/02         00
    0434219754                           05           08/01/02          0
    0010001044644                        N            07/01/32
    0

    7803655          W02/G02             F           94,500.00         ZZ
                                         360         94,352.11          1
                                       7.250            644.66         90
                                       7.000            644.66
    ORLANDO          FL   32809          5            06/14/02         14
    0434268421                           05           08/01/02         25
    1001183150                           O            07/01/32
    0

    7805755          964/G02             F           99,750.00         ZZ
                                         360         99,585.99          1
                                       7.000            663.64         80
                                       6.750            663.64
    TACOMA           WA   98445          1            06/18/02         00
    0434232195                           03           08/01/02          0
    209000                               O            07/01/32
    0

    7805835          964/G02             F          300,000.00         ZZ
                                         360        299,442.80          1
                                       6.375          1,871.61         40
                                       6.125          1,871.61
    PARKER           CO   80138          5            06/21/02         00
    0434244414                           05           08/01/02          0
1

    216687                               O            07/01/32
    0

    7805921          964/G02             F           95,400.00         ZZ
                                         360         95,250.71          1
                                       7.250            650.80         90
                                       7.000            650.80
    SURPRISE         AZ   85374          1            06/11/02         02
    0434245171                           03           08/01/02         25
    219583                               N            07/01/32
    0

    7806949          E45/G02             F          100,000.00         ZZ
                                         360         99,764.55          1
                                       7.250            682.18         63
                                       7.000            682.18
    CONYERS          GA   30013          5            05/31/02         00
    0434211306                           05           07/01/02          0
    246002                               O            06/01/32
    0

    7809143          L76/G02             F          255,000.00         ZZ
                                         360        254,240.13          1
                                       6.500          1,611.77         67
                                       6.250          1,611.77
    ARDEN HILLS      MN   55112          1            06/21/02         00
    0434228888                           05           08/01/02          0
    990988                               O            07/01/32
    0

    7809185          A46/G02             F          103,500.00         ZZ
                                         360        103,333.97          1
                                       7.125            697.30         87
                                       6.875            697.30
    ALBUQUERQUE      NM   87110          1            06/21/02         04
    0434219960                           05           08/01/02         25
    0983022                              N            07/01/32
    0

    7809567          E22/G02             F           93,500.00         ZZ
                                         360         93,281.22          1
                                       6.750            606.44         67
                                       6.500            606.44
    WINCHESTER       VA   22602          2            06/21/02         00
    0414232199                           05           08/01/02          0
    0414232199                           O            07/01/32
    0

1

    7809603          E22/G02             F          112,000.00         ZZ
                                         360        111,815.85          1
                                       7.000            745.14         95
                                       6.750            745.14
    CHARLESTON       SC   29406          5            06/21/02         10
    0414258822                           05           08/01/02         30
    0414258822                           O            07/01/32
    0

    7812221          286/286             F          148,500.00         ZZ
                                         360        148,206.60          4
                                       8.125          1,102.61         90
                                       7.875          1,102.61
    CHICAGO          IL   60623          1            05/21/02         11
    794701                               05           07/01/02         25
    794701                               N            06/01/32
    0

    7812223          286/286             F           97,000.00         ZZ
                                         360         96,782.68          3
                                       7.500            678.24         65
                                       7.250            678.24
    HOLLYWOOD        FL   33023          2            05/30/02         00
    1304748                              05           07/01/02          0
    1304748                              N            06/01/32
    0

    7812263          286/286             F          104,186.00         ZZ
                                         360        103,952.56          1
                                       7.500            728.49         68
                                       7.250            728.49
    DALLAS           TX   75243          5            05/16/02         00
    1307256                              05           07/01/02          0
    1307256                              N            06/01/32
    0

    7812285          286/286             F           87,030.00         ZZ
                                         360         86,839.74          4
                                       8.125            646.20         90
                                       7.875            646.20
    ST LOUIS         MO   63111          1            05/21/02         11
    1289397                              05           07/01/02         25
    1289397                              N            06/01/32
    0

    7812293          286/286             F           97,200.00         ZZ
                                         360         96,360.88          3
                                       7.375            671.34         90
                                       7.125            671.34
1

    WATERVILLE       ME   04901          1            05/28/02         12
    1270412                              05           07/01/02         25
    1270412                              O            06/01/32
    0

    7812311          286/286             F           43,200.00         ZZ
                                         360         43,110.22          1
                                       7.875            313.23         57
                                       7.625            313.23
    HUBER HEIGHTS    OH   45424          2            05/29/02         00
    1305714                              05           07/01/02          0
    1305714                              N            06/01/32
    0

    7812329          286/286             F           80,000.00         ZZ
                                         360         79,808.12          1
                                       8.000            587.02         80
                                       7.750            587.02
    SATELLITE BEACH  FL   32937          1            06/03/02         00
    1330832                              05           07/01/02          0
    1330832                              N            06/01/32
    0

    7812351          286/286             F          103,500.00         ZZ
                                         360        103,290.26          4
                                       8.000            759.45         90
                                       7.750            759.45
    WASHINGTON       DC   20032          1            05/29/02         12
    1302520                              05           07/01/02         25
    1302520                              N            06/01/32
    0

    7812365          286/286             F          100,000.00         ZZ
                                         360         99,775.95          1
                                       7.500            699.22         70
                                       7.250            699.22
    PORTLAND         OR   97206          5            05/08/02         00
    1267208                              05           07/01/02          0
    1267208                              N            06/01/32
    0

    7812367          286/286             F          100,000.00         ZZ
                                         360         99,775.95          1
                                       7.500            699.22         70
                                       7.250            699.22
    PORTLAND         OR   97266          5            05/08/02         00
    1267220                              05           07/01/02          0
    1267220                              N            06/01/32
    0
1

    7812369          286/286             F          100,000.00         ZZ
                                         360         99,775.95          1
                                       7.500            699.22         69
                                       7.250            699.22
    PORTLAND         OR   97214          5            05/08/02         00
    1267222                              05           07/01/02          0
    1267222                              N            06/01/32
    0

    7812371          286/286             F          296,550.00         ZZ
                                         360        295,901.97          1
                                       7.625          2,098.97         90
                                       7.375          2,098.97
    LAS VEGAS        NV   89119          1            05/21/02         12
    1294596                              05           07/01/02         25
    1294596                              O            06/01/32
    0

    7812379          286/286             F           94,799.00         ZZ
                                         360         94,596.95          2
                                       7.750            679.16         80
                                       7.500            679.16
    ROCKFORD         IL   61108          1            05/24/02         00
    1274826                              05           07/01/02          0
    1274826                              O            06/01/32
    0

    7812391          286/286             F          104,264.00         ZZ
                                         360        103,935.68          1
                                       7.250            711.27         74
                                       7.000            711.27
    CHATTANOOGA      TN   37405          5            05/01/02         00
    1273977                              05           06/01/02          0
    1273977                              N            05/01/32
    0

    7812393          286/286             F          104,850.00         ZZ
                                         360        104,609.19          1
                                       7.375            724.17         88
                                       7.125            724.17
    GOODYEAR         AZ   85338          2            05/28/02         12
    1297467                              03           07/01/02         25
    1297467                              N            06/01/32
    0

    7812397          286/286             F          252,000.00         ZZ
                                         360        251,435.39          1
1

                                       7.500          1,762.03         80
                                       7.250          1,762.03
    SAN DIEGO        CA   92126          1            05/16/02         00
    1278365                              05           07/01/02          0
    1278365                              O            06/01/32
    0

    7812407          286/286             F          243,000.00         ZZ
                                         360        242,233.95          4
                                       8.125          1,804.27         90
                                       7.875          1,804.27
    CORAL SPRINGS    FL   33065          1            04/22/02         11
    1100225                              05           06/01/02         25
    1100225                              N            05/01/32
    0

    7812411          286/286             F          103,500.00         ZZ
                                         360        103,239.94          4
                                       8.375            786.68         90
                                       8.125            786.68
    CLEVELAND        OH   44110          1            04/19/02         12
    1022404                              05           06/01/02         25
    1022404                              N            05/01/32
    0

    7812441          286/286             F           95,040.00         ZZ
                                         360         94,804.91          1
                                       7.000            632.31         80
                                       6.750            632.31
    HOOD RIVER       OR   97031          1            05/28/02         00
    1307499                              01           07/01/02          0
    1307499                              O            06/01/32
    0

    7812451          286/286             F           44,100.00         ZZ
                                         360         44,010.60          1
                                       8.000            323.60         75
                                       7.750            323.60
    ST LOUIS         MO   63134          2            05/22/02         00
    1305130                              05           07/01/02          0
    1305130                              N            06/01/32
    0

    7812459          286/286             F           90,000.00         ZZ
                                         360         89,869.31          4
                                       7.625            637.02         90
                                       7.375            637.02
    TUCSON           AZ   85713          1            06/03/02         12
    1276827                              05           08/01/02         25
1

    1276827                              N            07/01/32
    0

    7812521          286/286             F           88,200.00         ZZ
                                         360         87,948.55          4
                                       7.750            631.88         90
                                       7.500            631.88
    PHOENIX          AZ   85007          1            04/17/02         12
    1259675                              05           06/01/02         25
    1259675                              N            05/01/32
    0

    7812531          286/286             F           92,150.00         ZZ
                                         360         91,958.47          1
                                       7.875            668.16         95
                                       7.625            668.16
    BROCKPORT        NY   14420          2            05/23/02         14
    1295596                              05           07/01/02         30
    1295596                              O            06/01/32
    0

    7812541          286/286             F           94,500.00         ZZ
                                         360         94,313.29          4
                                       8.125            701.66         90
                                       7.875            701.66
    TRENTON          NJ   08650          1            05/17/02         04
    1048363                              05           07/01/02         25
    1048363                              N            06/01/32
    0

    7812571          286/286             F           96,000.00         ZZ
                                         360         95,779.50          1
                                       7.375            663.05         78
                                       7.125            663.05
    WENATCHEE        WA   98801          5            05/14/02         00
    1289018                              05           07/01/02          0
    1289018                              O            06/01/32
    0

    7812583          286/286             F          199,790.00         ZZ
                                         360        199,353.37          1
                                       7.625          1,414.11         90
                                       7.375          1,414.11
    SHIRLEY          NY   11967          1            05/15/02         10
    9487659                              05           07/01/02         25
    9487659                              O            06/01/32
    0

1

    7812585          286/286             F          100,000.00         ZZ
                                         360         99,764.55          1
                                       7.250            682.18         73
                                       7.000            682.18
    GLENDALE         AZ   85302          5            05/17/02         00
    1301121                              05           07/01/02          0
    1301121                              O            06/01/32
    0

    7812603          286/286             F           92,000.00         ZZ
                                         360         91,783.36          1
                                       7.250            627.61         80
                                       7.000            627.61
    DULUTH           MN   55812          5            05/17/02         00
    1265433                              05           07/01/02          0
    1265433                              O            06/01/32
    0

    7812611          286/286             F           39,100.00         ZZ
                                         360         39,010.18          1
                                       7.375            270.06         80
                                       7.125            270.06
    DAYTON           OH   45403          1            05/30/02         00
    1296417                              05           07/01/02          0
    1296417                              N            06/01/32
    0

    7812633          286/286             F          244,550.00         ZZ
                                         360        244,002.11          1
                                       7.500          1,709.93         80
                                       7.250          1,709.93
    MECHANICSVILLE   MD   20659          1            05/31/02         00
    1318466                              05           07/01/02          0
    1318466                              O            06/01/32
    0

    7812639          286/286             F          211,500.00         ZZ
                                         360        191,774.34          1
                                       6.875          1,389.41         80
                                       6.625          1,389.41
    GREENVILLE       SC   29609          1            05/31/02         00
    1309526                              03           07/01/02          0
    1309526                              O            06/01/32
    0

    7812673          286/286             F          113,950.00         ZZ
                                         360        113,629.23          1
                                       7.125            767.71         80
                                       6.875            767.71
1

    CASA GRANDE      AZ   85222          1            05/28/02         00
    1303114                              03           07/01/02          0
    1303114                              N            06/01/32
    0

    7812677          286/286             F           89,900.00         ZZ
                                         360         89,680.21          1
                                       7.250            613.28         60
                                       7.000            613.28
    WOLCOTT          CT   06716          1            05/14/02         00
    1277034                              05           07/01/02          0
    1277034                              N            06/01/32
    0

    7812717          286/286             F           33,800.00         ZZ
                                         360         33,327.47          1
                                       8.000            248.02         90
                                       7.750            248.02
    DAYTON           OH   45410          1            05/15/02         10
    1288877                              05           07/01/02         25
    1288877                              N            06/01/32
    0

    7812725          286/286             F           96,000.00         ZZ
                                         360         95,656.79          2
                                       7.750            687.76         80
                                       7.500            687.76
    WEST PALM BCH    FL   33406          1            03/22/02         00
    1030164                              05           05/01/02          0
    1030164                              N            04/01/32
    0

    7812735          286/286             F           76,000.00         ZZ
                                         360         75,766.51          1
                                       7.375            524.92         80
                                       7.125            524.92
    PHOENIX          AZ   85033          5            05/01/02         00
    1282796                              05           06/01/02          0
    1282796                              N            05/01/32
    0

    7812737          286/286             F           77,606.00         ZZ
                                         360         77,448.73          4
                                       8.000            569.45         90
                                       7.750            569.45
    ALLENTOWN        PA   18102          1            05/31/02         21
    1270994                              05           07/01/02         25
    1270994                              N            06/01/32
    0
1

    7812779          286/286             F           89,600.00         ZZ
                                         360         89,476.26          1
                                       7.875            649.67         80
                                       7.625            649.67
    CHANTILLY        VA   20151          1            06/03/02         00
    1335245                              01           08/01/02          0
    1335245                              N            07/01/32
    0

    7812799          286/286             F           80,000.00         ZZ
                                         360         79,811.62          1
                                       7.250            545.75         80
                                       7.000            545.75
    RESTON           VA   20191          1            05/29/02         00
    1324572                              01           07/01/02          0
    1324572                              N            06/01/32
    0

    7812815          286/286             F           92,625.00         ZZ
                                         360         92,500.29          4
                                       8.000            679.65         95
                                       7.750            679.65
    ALBUQUERQUE      NM   87108          1            06/10/02         12
    1342549                              05           08/01/02         30
    1342549                              O            07/01/32
    0

    7812839          286/286             F          108,000.00         ZZ
                                         360        107,642.63          1
                                       7.750            773.73         80
                                       7.500            773.73
    POMPANO BEACH    FL   33064          1            05/17/02         00
    1309007                              05           07/01/02          0
    1309007                              N            06/01/32
    0

    7812847          286/286             F          180,000.00         ZZ
                                         360        179,644.38          1
                                       8.125          1,336.49         90
                                       7.875          1,336.49
    MORENO VALLEY    CA   92551          5            05/13/02         14
    788108                               09           07/01/02         25
    788108                               O            06/01/32
    0

    7812875          286/286             F          113,600.00         ZZ
                                         360        113,324.63          1
1

                                       7.250            774.95         80
                                       7.000            774.95
    SUN VALLEY       NV   89433          1            05/24/02         00
    817104                               03           07/01/02          0
    817104                               N            06/01/32
    0

    7812881          286/286             F          143,100.00         ZZ
                                         360        142,810.02          4
                                       8.000          1,050.02         90
                                       7.750          1,050.02
    SAN BERNARDINO   CA   92405          1            05/21/02         11
    798484                               05           07/01/02         25
    798484                               O            06/01/32
    0

    7812883          286/286             F          124,200.00         ZZ
                                         360        123,948.31          4
                                       8.000            911.34         90
                                       7.750            911.34
    SAN BERNARDINO   CA   92404          1            05/24/02         10
    798474                               05           07/01/02         25
    798474                               N            06/01/32
    0

    7812887          286/286             F          131,300.00         ZZ
                                         360        131,033.94          4
                                       8.000            963.43         90
                                       7.750            963.43
    SAN BERNARDINO   CA   92405          1            05/30/02         10
    798491                               05           07/01/02         25
    798491                               N            06/01/32
    0

    7812891          286/286             F          112,000.00         ZZ
                                         360        111,715.01          1
                                       7.500            783.12         68
                                       7.250            783.12
    RANCHO CUCAMONG  CA   91730          5            05/08/02         00
    786847                               03           07/01/02          0
    786847                               N            06/01/32
    0

    7812895          286/286             F           96,000.00         ZZ
                                         360         95,488.32          1
                                       7.625            679.48         75
                                       7.375            679.48
    STOCKTON         CA   95205          5            05/14/02         00
    792483                               05           07/01/02          0
1

    792483                               O            06/01/32
    0

    7812905          286/286             F           80,000.00         ZZ
                                         360         79,811.65          4
                                       7.250            545.74         80
                                       7.000            545.74
    BIGGS            CA   95917          5            05/20/02         00
    788912                               05           07/01/02          0
    788912                               N            06/01/32
    0

    7812937          286/286             F          217,800.00         ZZ
                                         360        217,335.83          4
                                       7.750          1,560.35         89
                                       7.500          1,560.35
    HUNTINGTON PARK  CA   90255          1            05/01/02         10
    792879                               05           07/01/02         25
    792879                               N            06/01/32
    0

    7812943          286/286             F          126,450.00         ZZ
                                         360        125,976.82          1
                                       7.500            884.16         88
                                       7.250            884.16
    YUCAIPA          CA   92399          1            05/16/02         10
    819049                               05           07/01/02         25
    819049                               O            06/01/32
    0

    7814001          E22/G02             F          119,600.00         ZZ
                                         360        119,426.33          1
                                       7.625            846.52         90
                                       7.375            846.52
    PALATINE         IL   60074          1            06/27/02         04
    0414327023                           01           08/01/02         25
    0414327023                           N            07/01/32
    0

    7814309          E82/G02             F           94,900.00         ZZ
                                         360         94,265.00          1
                                       6.750            615.52         40
                                       6.500            615.52
    PAROWAN          UT   84761          2            06/21/02         00
    0400641767                           05           08/01/02          0
    4734963                              O            07/01/32
    0

1

    7814327          E82/G02             F           96,800.00         ZZ
                                         360         92,887.83          1
                                       6.750            627.84         48
                                       6.500            627.84
    HASTINGS         MN   55033          2            06/24/02         00
    0400640629                           05           08/01/02          0
    1946253                              O            07/01/32
    0

    7814417          E82/G02             F           94,000.00         ZZ
                                         360         93,833.68          1
                                       6.625            601.89         60
                                       6.375            601.89
    MERRIAM          KS   66202          2            06/24/02         00
    0400633475                           05           08/01/02          0
    0400633475                           O            07/01/32
    0

    7814663          286/286             F           99,000.00         ZZ
                                         360         98,789.01          1
                                       7.750            709.25         80
                                       7.500            709.25
    NEW BRUNSWICK    NJ   08901          2            05/22/02         00
    560978                               05           07/01/02          0
    560978                               N            06/01/32
    0

    7814665          286/286             F           74,000.00         ZZ
                                         360         73,825.76          1
                                       7.250            504.81         71
                                       7.000            504.81
    MESA             AZ   85206          2            05/29/02         00
    1332901                              03           07/01/02          0
    1332901                              N            06/01/32
    0

    7814667          286/286             F           98,050.00         ZZ
                                         360         97,824.79          1
                                       7.375            677.21         60
                                       7.125            677.21
    BEND             OR   97701          5            05/03/02         00
    1260171                              05           07/01/02          0
    1260171                              N            06/01/32
    0

    7814669          286/286             F          118,000.00         ZZ
                                         360        117,728.97          1
                                       7.375            815.00         43
                                       7.125            815.00
1

    TUCSON           AZ   85749          1            05/23/02         00
    1314848                              03           07/01/02          0
    1314848                              N            06/01/32
    0

    7814683          286/286             F          117,000.00         ZZ
                                         360        116,737.88          1
                                       7.500            818.08         90
                                       7.250            818.08
    TUCSON           AZ   85712          1            05/30/02         12
    1326242                              05           07/01/02         25
    1326242                              N            06/01/32
    0

    7814685          286/286             F           19,200.00         ZZ
                                         360         19,143.81          1
                                       8.000            140.89         80
                                       7.750            140.89
    GARY             IN   46407          5            05/30/02         00
    1310406                              05           07/01/02          0
    1310406                              N            06/01/32
    0

    7814687          286/286             F          128,300.00         ZZ
                                         360        128,019.65          1
                                       7.625            908.10         78
                                       7.375            908.10
    MESA             AZ   85207          1            05/24/02         00
    837257                               03           07/01/02          0
    837257                               N            06/01/32
    0

    7814689          286/286             F          110,500.00         ZZ
                                         360        110,264.51          4
                                       7.750            791.64         74
                                       7.500            791.64
    FALL RIVER       MA   02720          2            05/17/02         00
    1279301                              05           07/01/02          0
    1279301                              N            06/01/32
    0

    7814693          286/286             F          137,500.00         ZZ
                                         360        137,191.93          1
                                       7.500            961.43         74
                                       7.250            961.43
    ROCKVILLE        MD   20852          2            05/24/02         00
    1281356                              01           07/01/02          0
    1281356                              N            06/01/32
    0
1

    7814697          286/286             F           95,000.00         ZZ
                                         360         94,781.77          1
                                       7.375            656.15         75
                                       7.125            656.15
    MESA             AZ   85204          2            05/24/02         00
    1313529                              05           07/01/02          0
    1313529                              N            06/01/32
    0

    7814701          286/286             F          105,000.00         ZZ
                                         360        104,758.83          1
                                       7.375            725.21         71
                                       7.125            725.21
    HANOVER PARK     IL   60103          5            05/29/02         00
    1306619                              05           07/01/02          0
    1306619                              N            06/01/32
    0

    7814717          286/286             F          108,500.00         ZZ
                                         360        108,238.14          2
                                       7.125            730.99         70
                                       6.875            730.99
    MARIETTA         GA   30008          5            05/28/02         00
    1317152                              05           07/01/02          0
    1317152                              N            06/01/32
    0

    7814719          286/286             F          108,500.00         ZZ
                                         360        108,238.14          2
                                       7.125            730.99         70
                                       6.875            730.99
    MARIETTA         GA   30064          2            05/28/02         00
    1317259                              05           07/01/02          0
    1317259                              N            06/01/32
    0

    7814721          286/286             F          109,200.00         ZZ
                                         360        108,942.89          2
                                       7.250            744.94         70
                                       7.000            744.94
    MARIETTA         GA   30064          5            05/28/02         00
    1279012                              05           07/01/02          0
    1279012                              N            06/01/32
    0

    7814723          286/286             F          108,500.00         ZZ
                                         360        108,238.14          2
1

                                       7.125            730.99         70
                                       6.875            730.99
    MARIETTA         GA   30008          5            05/28/02         00
    1317949                              05           07/01/02          0
    1317949                              N            06/01/32
    0

    7814733          286/286             F           94,500.00         ZZ
                                         360         94,313.29          4
                                       8.125            701.66         70
                                       7.875            701.66
    ST LOUIS         MO   63110          5            06/04/02         00
    1263881                              05           07/01/02          0
    1263881                              N            06/01/32
    0

    7814735          286/286             F           95,900.00         ZZ
                                         360         95,710.51          1
                                       8.125            712.06         70
                                       7.875            712.06
    ST LOUIS         MO   63110          5            06/04/02         00
    1263641                              05           07/01/02          0
    1263641                              N            06/01/32
    0

    7814741          286/286             F           89,250.00         ZZ
                                         360         89,045.01          1
                                       7.375            616.43         85
                                       7.125            616.43
    FOREST PARK      GA   30297          5            05/30/02         10
    1315053                              05           07/01/02         12
    1315053                              N            06/01/32
    0

    7814745          286/286             F           70,500.00         ZZ
                                         360         70,397.61          1
                                       7.625            499.00         57
                                       7.375            499.00
    MENTOR ON THE L  OH   44060          5            06/06/02         00
    1277788                              05           08/01/02          0
    1277788                              N            07/01/32
    0

    7814759          286/286             F          113,400.00         ZZ
                                         360        113,076.70          3
                                       7.750            812.42         70
                                       7.500            812.42
    NEW BEDFORD      MA   02746          5            04/22/02         00
    951727                               05           06/01/02          0
1

    951727                               N            05/01/32
    0

    7814761          286/286             F          135,800.00         ZZ
                                         360        135,510.59          1
                                       7.750            972.89         90
                                       7.500            972.89
    WESTON           FL   33332          1            05/29/02         21
    1323227                              03           07/01/02         25
    1323227                              N            06/01/32
    0

    7814763          286/286             F           95,000.00         ZZ
                                         360         94,854.96          1
                                       7.375            656.15         74
                                       7.125            656.15
    LAKEWOOD         NJ   08701          5            06/06/02         00
    1049488                              05           08/01/02          0
    1049488                              N            07/01/32
    0

    7814765          286/286             F          105,000.00         ZZ
                                         360        104,839.71          1
                                       7.375            725.21         70
                                       7.125            725.21
    LAKEWOOD         NJ   08701          5            06/06/02         00
    1048175                              05           08/01/02          0
    1048175                              N            07/01/32
    0

    7814767          286/286             F          102,500.00         ZZ
                                         360        102,121.63          1
                                       7.125            690.57         78
                                       6.875            690.57
    PORTLAND         OR   97203          1            05/16/02         00
    1275544                              05           07/01/02          0
    1275544                              N            06/01/32
    0

    7814771          286/286             F          116,250.00         ZZ
                                         360        115,989.54          1
                                       7.500            812.84         75
                                       7.250            812.84
    VANCOUVER        WA   98682          5            05/29/02         00
    1312335                              05           07/01/02          0
    1312335                              N            06/01/32
    0

1

    7814773          286/286             F           89,600.00         ZZ
                                         360         89,456.25          2
                                       7.125            603.66         80
                                       6.875            603.66
    NORTH PROVIDENC  RI   02904          1            06/07/02         00
    1298497                              05           08/01/02          0
    1298497                              N            07/01/32
    0

    7814805          286/286             F          107,900.00         ZZ
                                         360        107,658.27          1
                                       7.500            754.45         85
                                       7.250            754.45
    MESA             AZ   85206          1            05/30/02         10
    1330256                              05           07/01/02         12
    1330256                              N            06/01/32
    0

    7814829          286/286             F          110,250.00         ZZ
                                         360        109,969.64          1
                                       7.875            799.39         75
                                       7.625            799.39
    FERNDALE         MI   48220          1            05/24/02         00
    1312190                              05           07/01/02          0
    1312190                              N            06/01/32
    0

    7814831          286/286             F          125,000.00         ZZ
                                         360        124,505.18          2
                                       7.375            863.35         67
                                       7.125            863.35
    BURLINGTON       VT   05401          5            05/03/02         00
    1098213                              05           06/01/02          0
    1098213                              N            05/01/32
    0

    7814847          286/286             F          110,250.00         ZZ
                                         360        110,026.58          1
                                       8.000            808.98         90
                                       7.750            808.98
    INDIANAPOLIS     IN   46256          1            05/24/02         12
    1303668                              05           07/01/02         25
    1303668                              N            06/01/32
    0

    7814849          286/286             F          111,150.00         ZZ
                                         360        110,894.70          1
                                       7.375            767.69         90
                                       7.125            767.69
1

    POWELL           OH   43065          1            05/24/02         10
    1280823                              05           07/01/02         25
    1280823                              N            06/01/32
    0

    7814857          286/286             F          140,000.00         ZZ
                                         360        139,701.65          2
                                       7.750          1,002.98         77
                                       7.500          1,002.98
    HIGHLANDS        NJ   07732          5            05/31/02         00
    1270989                              05           07/01/02          0
    1270989                              N            06/01/32
    0

    7814863          286/286             F          110,000.00         ZZ
                                         360        109,740.31          1
                                       7.250            750.40         62
                                       7.000            750.40
    RANCHO CUCAMONG  CA   91730          5            05/28/02         00
    104884                               05           07/01/02          0
    104884                               N            06/01/32
    0

    7814889          286/286             F          102,000.00         ZZ
                                         360        101,788.00          1
                                       7.875            739.58         85
                                       7.625            739.58
    INDIANAPOLIS     IN   46201          1            05/28/02         12
    1312670                              05           07/01/02         12
    1312670                              N            06/01/32
    0

    7814897          286/286             F          123,750.00         ZZ
                                         360        121,918.11          1
                                       7.125            833.73         73
                                       6.875            833.73
    HILTON HEAD ISL  SC   29928          5            05/30/02         00
    1298806                              01           07/01/02          0
    1298806                              N            06/01/32
    0

    7814907          286/286             F          138,375.00         ZZ
                                         360        138,049.18          1
                                       7.250            943.97         90
                                       7.000            943.97
    PEACHTREE CITY   GA   30269          1            05/24/02         11
    1291142                              05           07/01/02         25
    1291142                              N            06/01/32
    0
1

    7814915          286/286             F          105,000.00         ZZ
                                         360        104,677.45          1
                                       7.375            725.21         68
                                       7.125            725.21
    PORTLAND         OR   97203          2            03/29/02         00
    1082305                              05           06/01/02          0
    1082305                              N            05/01/32
    0

    7814927          286/286             F          101,000.00         ZZ
                                         360        100,641.85          1
                                       7.250            689.00         66
                                       7.000            689.00
    HEWITT           NJ   07421          5            05/03/02         00
    1268883                              05           06/01/02          0
    1268883                              N            05/01/32
    0

    7814933          286/286             F           71,550.00         ZZ
                                         360         71,401.30          1
                                       7.875            518.79         90
                                       7.625            518.79
    FOREST PARK      GA   30297          1            05/14/02         12
    1299615                              05           07/01/02         25
    1299615                              N            06/01/32
    0

    7814953          286/286             F          106,250.00         ZZ
                                         360        103,734.89          2
                                       7.875            770.39         78
                                       7.625            770.39
    AMARILLO         TX   79106          5            04/18/02         00
    1313067                              05           06/01/02          0
    1313067                              N            05/01/32
    0

    7814963          286/286             F          115,200.00         ZZ
                                         360        114,960.60          1
                                       7.875            835.28         80
                                       7.625            835.28
    CANTON           OH   44718          5            05/30/02         00
    1094710                              05           07/01/02          0
    1094710                              N            06/01/32
    0

    7814975          286/286             F          128,700.00         ZZ
                                         360        128,425.71          1
1

                                       7.750            922.03         90
                                       7.500            922.03
    VIRGINIA BEACH   VA   23456          1            05/17/02         12
    1279221                              05           07/01/02         25
    1279221                              N            06/01/32
    0

    7814989          286/286             F          124,200.00         ZZ
                                         360        123,626.45          1
                                       7.250            847.26         90
                                       7.000            847.26
    PHOENIX          AZ   85037          1            05/28/02         10
    1312336                              03           07/01/02         25
    1312336                              N            06/01/32
    0

    7814991          286/286             F          103,500.00         ZZ
                                         360        103,268.11          1
                                       7.500            723.69         90
                                       7.250            723.69
    FT LAUDERDALE    FL   33311          1            05/17/02         12
    1301294                              05           07/01/02         25
    1301294                              N            06/01/32
    0

    7814999          286/286             F          195,300.00         ZZ
                                         360        194,883.78          2
                                       7.750          1,399.16         90
                                       7.500          1,399.16
    CHICAGO          IL   60612          1            05/24/02         10
    1101068                              05           07/01/02         25
    1101068                              N            06/01/32
    0

    7815003          286/286             F           68,000.00         ZZ
                                         360         67,857.67          1
                                       7.875            493.05         80
                                       7.625            493.05
    JOLIET           IL   60436          1            05/29/02         00
    1018361                              05           07/01/02          0
    1018361                              N            06/01/32
    0

    7815015          286/286             F           95,400.00         ZZ
                                         360         95,230.50          2
                                       7.750            683.46         90
                                       7.500            683.46
    IRVINGTON        NJ   07111          1            06/07/02         12
    1329847                              05           08/01/02         25
1

    1329847                              N            07/01/32
    0

    7815021          286/286             F          105,200.00         ZZ
                                         360        104,946.10          1
                                       7.125            708.76         90
                                       6.875            708.76
    GEORGETOWN       TX   78626          1            05/30/02         11
    1290151                              03           07/01/02         25
    1290151                              N            06/01/32
    0

    7815031          286/286             F           77,000.00         ZZ
                                         360         76,796.39          1
                                       7.375            531.82         62
                                       7.125            531.82
    KENNETT SQUARE   PA   19348          5            05/23/02         00
    1275679                              05           07/01/02          0
    1275679                              N            06/01/32
    0

    7815035          286/286             F          127,000.00         ZZ
                                         360        126,708.30          1
                                       7.375            877.16         69
                                       7.125            877.16
    JEFFERSON        NJ   07438          5            05/08/02         00
    1284474                              05           07/01/02          0
    1284474                              N            06/01/32
    0

    7815039          286/286             F          107,600.00         ZZ
                                         360        105,834.51          2
                                       7.250            734.03         80
                                       7.000            734.03
    LEES SUMMIT      MO   64082          2            06/05/02         00
    1317145                              05           07/01/02          0
    1317145                              N            06/01/32
    0

    7815041          286/286             F          103,200.00         ZZ
                                         360        102,957.00          1
                                       7.250            704.01         80
                                       7.000            704.01
    LEES SUMMIT      MO   64082          2            06/05/02         00
    1317142                              05           07/01/02          0
    1317142                              N            06/01/32
    0

1

    7815053          286/286             F          108,000.00         ZZ
                                         360        107,835.13          1
                                       7.375            745.93         80
                                       7.125            745.93
    TUCSON           AZ   85719          2            06/06/02         00
    1313396                              05           08/01/02          0
    1313396                              N            07/01/32
    0

    7815075          286/286             F          100,400.00         ZZ
                                         360        100,163.59          1
                                       7.250            684.91         75
                                       7.000            684.91
    DECATUR          GA   30030          5            05/29/02         00
    1277443                              05           07/01/02          0
    1277443                              N            06/01/32
    0

    7815077          286/286             F          112,500.00         ZZ
                                         360        112,332.49          1
                                       7.500            786.62         90
                                       7.250            786.62
    WASHINGTON       DC   20036          1            06/06/02         12
    1329419                              01           08/01/02         25
    1329419                              N            07/01/32
    0

    7815105          286/286             F           94,950.00         ZZ
                                         360         94,737.26          1
                                       7.500            663.91         66
                                       7.250            663.91
    FREEHOLD         NJ   07728          1            05/31/02         00
    1300349                              05           07/01/02          0
    1300349                              N            06/01/32
    0

    7815111          286/286             F          230,664.00         ZZ
                                         360        230,196.59          2
                                       8.000          1,692.53         80
                                       7.750          1,692.53
    SAN MARCOS       TX   78666          1            05/31/02         00
    1307290                              05           07/01/02          0
    1307290                              N            06/01/32
    0

    7815117          286/286             F          114,000.00         ZZ
                                         360        113,731.56          4
                                       7.250            777.69         80
                                       7.000            777.69
1

    MIAMI            FL   33130          1            05/30/02         00
    1271775                              05           07/01/02          0
    1271775                              N            06/01/32
    0

    7815141          286/286             F          100,000.00         ZZ
                                         360         99,451.10          1
                                       7.500            699.22         80
                                       7.250            699.22
    HAMILTON         NJ   08610          1            06/05/02         00
    1292886                              03           08/01/02          0
    1292886                              N            07/01/32
    0

    7815143          286/286             F          102,800.00         ZZ
                                         360        102,569.69          2
                                       7.500            718.79         85
                                       7.250            718.79
    MILWAUKEE        WI   53215          2            05/30/02         11
    1270392                              05           07/01/02         12
    1270392                              N            06/01/32
    0

    7815159          286/286             F           98,000.00         ZZ
                                         360         97,774.88          1
                                       7.375            676.87         73
                                       7.125            676.87
    ATLANTA          GA   30305          2            05/16/02         00
    1100779                              01           07/01/02          0
    1100779                              N            06/01/32
    0

    7815177          286/286             F          112,500.00         ZZ
                                         360        111,651.02          1
                                       7.250            767.45         90
                                       7.000            767.45
    FISHERS          IN   46038          1            05/15/02         12
    1281656                              05           07/01/02         25
    1281656                              N            06/01/32
    0

    7815187          286/286             F           80,000.00         ZZ
                                         360         79,880.89          1
                                       7.500            559.37         64
                                       7.250            559.37
    GREENWOOD        IN   46143          1            06/03/02         00
    1302982                              05           08/01/02          0
    1302982                              N            07/01/32
    0
1

    7815191          286/286             F          119,250.00         ZZ
                                         360        118,971.31          1
                                       7.750            854.33         90
                                       7.500            854.33
    CHICAGO          IL   60611          1            05/28/02         12
    1288419                              01           07/01/02         25
    1288419                              N            06/01/32
    0

    7815199          286/286             F          125,000.00         ZZ
                                         360        124,677.53          1
                                       7.500            874.02         67
                                       7.250            874.02
    CLERMONT         FL   34711          5            05/14/02         00
    1097117                              05           07/01/02          0
    1097117                              N            06/01/32
    0

    7815201          286/286             F          112,500.00         ZZ
                                         360        112,272.02          1
                                       8.000            825.49         90
                                       7.750            825.49
    PHOENIX          AZ   85018          1            05/30/02         12
    1312237                              05           07/01/02         25
    1312237                              N            06/01/32
    0

    7815205          286/286             F           32,000.00         ZZ
                                         360         31,938.35          2
                                       8.250            240.41         80
                                       8.000            240.41
    SPRINGFIELD      OH   45506          5            05/21/02         00
    1275986                              05           07/01/02          0
    1275986                              N            06/01/32
    0

    7815215          286/286             F           88,000.00         ZZ
                                         360         87,797.86          1
                                       7.375            607.80         80
                                       7.125            607.80
    INDIANAPOLIS     IN   46254          5            05/15/02         00
    1087548                              05           07/01/02          0
    1087548                              N            06/01/32
    0

    7815217          286/286             F          110,500.00         ZZ
                                         360        110,246.19          1
1

                                       7.375            763.20         85
                                       7.125            763.20
    NOBLESVILLE      IN   46036          1            05/20/02         12
    1293243                              05           07/01/02         12
    1293243                              N            06/01/32
    0

    7815227          286/286             F          132,200.00         ZZ
                                         360        131,605.75          1
                                       7.375            913.08         80
                                       7.125            913.08
    INDIANAPOLIS     IN   46220          2            06/04/02         00
    1300149                              05           07/01/02          0
    1300149                              N            06/01/32
    0

    7815229          286/286             F          120,000.00         ZZ
                                         360        119,756.82          1
                                       8.000            880.52         80
                                       7.750            880.52
    TAMPA            FL   33624          5            05/29/02         00
    1326648                              05           07/01/02          0
    1326648                              N            06/01/32
    0

    7815231          286/286             F           97,600.00         ZZ
                                         360         97,402.21          1
                                       8.000            716.16         80
                                       7.750            716.16
    TAMPA            FL   33611          5            05/29/02         00
    1322905                              05           07/01/02          0
    1322905                              N            06/01/32
    0

    7815233          286/286             F          120,000.00         ZZ
                                         360        119,756.82          1
                                       8.000            880.52         80
                                       7.750            880.52
    TAMPA            FL   33624          5            05/29/02         00
    1326627                              05           07/01/02          0
    1326627                              N            06/01/32
    0

    7815243          286/286             F          118,000.00         ZZ
                                         360        117,815.34          1
                                       7.250            804.97         52
                                       7.000            804.97
    TRABUCO CANYON   CA   92679          1            06/05/02         00
    1279187                              01           08/01/02          0
1

    1279187                              N            07/01/32
    0

    7815255          286/286             F           97,000.00         ZZ
                                         360         96,844.40          1
                                       7.125            653.51         75
                                       6.875            653.51
    DECATUR          GA   30032          5            06/05/02         00
    1332312                              05           08/01/02          0
    1332312                              N            07/01/32
    0

    7815269          286/286             F           43,000.00         ZZ
                                         360         42,912.86          1
                                       8.000            315.52         86
                                       7.750            315.52
    PHOENIX          AZ   85009          1            05/28/02         21
    817120                               05           07/01/02         25
    817120                               N            06/01/32
    0

    7815277          286/286             F          135,000.00         ZZ
                                         360        134,726.42          1
                                       8.000            990.59         75
                                       7.750            990.59
    ATLANTA          GA   30314          1            05/31/02         00
    1324537                              05           07/01/02          0
    1324537                              N            06/01/32
    0

    7815279          286/286             F          130,500.00         ZZ
                                         360        130,221.89          1
                                       7.750            934.92         90
                                       7.500            934.92
    TUCSON           AZ   85710          1            05/28/02         12
    1284684                              05           07/01/02         25
    1284684                              N            06/01/32
    0

    7815295          286/286             F           72,500.00         ZZ
                                         360         72,325.02          1
                                       7.125            488.45         54
                                       6.875            488.45
    WESTLAND         MI   48186          5            05/29/02         00
    1280241                              05           07/01/02          0
    1280241                              N            06/01/32
    0

1

    7815297          286/286             F          119,900.00         ZZ
                                         360        119,629.03          1
                                       7.500            838.36         75
                                       7.250            838.36
    CHESTER          MD   21619          1            05/31/02         00
    1287151                              01           07/01/02          0
    1287151                              N            06/01/32
    0

    7815313          286/286             F          121,500.00         ZZ
                                         360        121,206.78          2
                                       7.125            818.57         90
                                       6.875            818.57
    SHAKER HEIGHTS   OH   44120          1            05/30/02         12
    1302946                              05           07/01/02         25
    1302946                              N            06/01/32
    0

    7815315          286/286             F           80,000.00         ZZ
                                         360         78,137.14          1
                                       7.500            559.37         58
                                       7.250            559.37
    STOCKTON         CA   95204          5            05/21/02         00
    796939                               05           07/01/02          0
    796939                               N            06/01/32
    0

    7815321          286/286             F          129,700.00         ZZ
                                         360        129,387.00          1
                                       7.125            873.81         53
                                       6.875            873.81
    GROVELAND        CA   95321          1            05/16/02         00
    790691                               03           07/01/02          0
    790691                               N            06/01/32
    0

    7815343          286/286             F           49,500.00         ZZ
                                         360         49,399.65          1
                                       8.000            363.21         90
                                       7.750            363.21
    BALTIMORE        MD   21215          1            05/22/02         21
    815554                               05           07/01/02         25
    815554                               N            06/01/32
    0

    7815349          286/286             F           43,400.00         ZZ
                                         360         43,177.15          1
                                       8.000            318.45         70
                                       7.750            318.45
1

    SUSANVILLE       CA   96130          5            05/15/02         00
    794625                               05           07/01/02          0
    794625                               N            06/01/32
    0

    7815351          286/286             F           73,500.00         ZZ
                                         360         73,351.05          1
                                       8.000            539.32         70
                                       7.750            539.32
    SUSANVILLE       CA   96130          5            05/15/02         00
    794658                               05           07/01/02          0
    794658                               N            06/01/32
    0

    7815353          286/286             F           70,000.00         ZZ
                                         360         69,858.14          1
                                       8.000            513.64         70
                                       7.750            513.64
    SUSANVILLE       CA   96130          5            05/15/02         00
    794841                               05           07/01/02          0
    794841                               N            06/01/32
    0

    7815367          286/286             F          118,700.00         ZZ
                                         360        117,717.08          2
                                       7.500            829.97         78
                                       7.250            829.97
    ESTACADA         OR   97023          1            05/09/02         00
    821598                               05           07/01/02          0
    821598                               N            06/01/32
    0

    7815375          286/286             F          125,000.00         ZZ
                                         360        124,616.03          1
                                       7.375            863.34         80
                                       7.125            863.34
    FORT BRAGG       CA   95437          5            04/11/02         00
    779148                               05           06/01/02          0
    779148                               N            05/01/32
    0

    7815377          286/286             F           73,300.00         ZZ
                                         360         73,127.40          1
                                       7.250            500.04         90
                                       7.000            500.04
    BALTIMORE        MD   21206          1            05/28/02         10
    815511                               05           07/01/02         25
    815511                               N            06/01/32
    0
1

    7815387          286/286             F          100,000.00         ZZ
                                         360         99,633.51          2
                                       7.625            707.79         77
                                       7.375            707.79
    RIVERSIDE        CA   92503          1            03/28/02         00
    754333                               05           05/01/02          0
    754333                               N            04/01/32
    0

    7815389          286/286             F          162,000.00         ZZ
                                         360        161,637.05          1
                                       7.500          1,132.73         90
                                       7.250          1,132.73
    CLINTON          MD   20735          1            05/29/02         14
    814475                               05           07/01/02         25
    814475                               N            06/01/32
    0

    7815395          286/286             F          125,650.00         ZZ
                                         360        125,382.24          1
                                       7.750            900.17         70
                                       7.500            900.17
    ANTIOCH          CA   94509          5            05/15/02         00
    791251                               05           07/01/02          0
    791251                               N            06/01/32
    0

    7815399          286/286             F          138,000.00         ZZ
                                         360        137,698.44          1
                                       7.625            976.76         80
                                       7.375            976.76
    SACRAMENTO       CA   95815          5            05/29/02         00
    814259                               05           07/01/02          0
    814259                               N            06/01/32
    0

    7815403          286/286             F          105,000.00         ZZ
                                         360        104,770.57          1
                                       7.625            743.18         64
                                       7.375            743.18
    MODESTO          CA   95350          5            05/16/02         00
    778195                               05           07/01/02          0
    778195                               N            06/01/32
    0

    7815405          286/286             F           66,000.00         ZZ
                                         360         65,859.36          1
1

                                       7.750            472.83         80
                                       7.500            472.83
    MARYSVILLE       CA   95901          5            05/03/02         00
    794572                               05           07/01/02          0
    794572                               N            06/01/32
    0

    7815409          286/286             F           60,300.00         ZZ
                                         360         60,116.77          1
                                       7.250            411.35         90
                                       7.000            411.35
    QUARTZ HILL ARE  CA   93536          1            05/10/02         11
    792010                               05           07/01/02         25
    792010                               N            06/01/32
    0

    7815415          286/286             F           77,750.00         ZZ
                                         360         77,509.51          1
                                       7.125            523.82         36
                                       6.875            523.82
    ENCINITAS        CA   92007          5            05/10/02         00
    733886                               03           07/01/02          0
    733886                               N            06/01/32
    0

    7815433          286/286             F          112,500.00         ZZ
                                         360        112,012.56          1
                                       7.250            767.45         90
                                       7.000            767.45
    RENO             NV   89506          1            05/21/02         10
    816917                               05           07/01/02         25
    816917                               N            06/01/32
    0

    7815449          286/286             F          133,200.00         ZZ
                                         360        132,916.14          1
                                       7.750            954.26         90
                                       7.500            954.26
    PHOENIX          AZ   85050          1            05/22/02         21
    799614                               05           07/01/02         25
    799614                               N            06/01/32
    0

    7815453          286/286             F          132,000.00         ZZ
                                         360        131,725.68          1
                                       7.875            957.09         80
                                       7.625            957.09
    BETHESDA         MD   20814          1            05/22/02         00
    816146                               01           07/01/02          0
1

    816146                               N            06/01/32
    0

    7815457          286/286             F           97,600.00         ZZ
                                         360         97,375.83          1
                                       7.375            674.10         80
                                       7.125            674.10
    GLENDALE         AZ   85302          5            05/24/02         00
    796320                               05           07/01/02          0
    796320                               N            06/01/32
    0

    7815471          286/286             F          100,000.00         ZZ
                                         360         99,843.51          1
                                       7.250            682.18         41
                                       7.000            682.18
    HAZLET           NJ   07730          5            06/12/02         00
    1273475                              05           08/01/02          0
    1273475                              O            07/01/32
    0

    7815475          286/286             F           96,000.00         ZZ
                                         360         95,756.15          1
                                       7.000            638.70         58
                                       6.750            638.70
    POINT MARION     PA   15474          2            06/26/02         00
    384838                               05           07/01/02          0
    384838                               O            06/01/32
    0

    7815479          286/286             F          240,000.00         ZZ
                                         360        239,595.58          1
                                       6.875          1,576.63         69
                                       6.625          1,576.63
    COLUMBUS         OH   43214          2            06/18/02         00
    1338427                              05           08/01/02          0
    1338427                              O            07/01/32
    0

    7815489          286/286             F           95,700.00         ZZ
                                         360         95,546.48          2
                                       7.125            644.75         87
                                       6.875            644.75
    COVINGTON        OH   45318          2            06/17/02         10
    1314244                              05           08/01/02         25
    1314244                              O            07/01/32
    0

1

    7815493          286/286             F          152,000.00         ZZ
                                         360        151,750.09          1
                                       7.000          1,011.26         95
                                       6.750          1,011.26
    PHILADELHPHIA    PA   19147          1            06/19/02         12
    1094696                              05           08/01/02         30
    1094696                              O            07/01/32
    0

    7815495          286/286             F          124,500.00         ZZ
                                         360        124,189.92          1
                                       6.875            817.88         53
                                       6.625            817.88
    HENDERSON        NV   89052          5            06/11/02         00
    1336178                              03           08/01/02          0
    1336178                              O            07/01/32
    0

    7815503          286/286             F           96,000.00         ZZ
                                         360         95,838.22          1
                                       6.875            630.66         60
                                       6.625            630.66
    ST HELEN         MI   48656          2            06/18/02         00
    1292827                              05           08/01/02          0
    1292827                              O            07/01/32
    0

    7815515          286/286             F          149,000.00         ZZ
                                         360        148,748.92          1
                                       6.875            978.83         89
                                       6.625            978.83
    GRESHAM          OR   97080          2            06/19/02         10
    105037                               05           08/01/02         25
    105037                               O            07/01/32
    0

    7815521          286/286             F          215,000.00         ZZ
                                         360        214,436.56          1
                                       6.875          1,412.40         64
                                       6.625          1,412.40
    PLEASANT LAKE    MI   49272          5            06/17/02         00
    1331578                              05           08/01/02          0
    1331578                              O            07/01/32
    0

    7815523          286/286             F          237,000.00         ZZ
                                         360        236,664.36          1
                                       7.750          1,697.90         70
                                       7.500          1,697.90
1

    GLENVIEW         IL   60025          2            06/19/02         00
    1315146                              05           08/01/02          0
    1315146                              O            07/01/32
    0

    7815527          286/286             F          220,000.00         ZZ
                                         354        219,419.91          1
                                       6.875          1,452.68         61
                                       6.625          1,452.68
    ALIQUIPPA        PA   15001          1            05/23/02         00
    258229                               05           07/01/02          0
    258229                               O            12/01/31
    0

    7815531          286/286             F          184,000.00         ZZ
                                         360        183,689.95          1
                                       6.875          1,208.75         67
                                       6.625          1,208.75
    MELROSE          MA   02176          2            06/17/02         00
    1326146                              05           08/01/02          0
    1326146                              O            07/01/32
    0

    7815547          286/286             F          185,000.00         ZZ
                                         360        184,688.27          1
                                       6.875          1,215.32         27
                                       6.625          1,215.32
    WASHINGTON       DC   20016          5            06/18/02         00
    1081526                              05           08/01/02          0
    1081526                              O            07/01/32
    0

    7815549          286/286             F          110,000.00         ZZ
                                         360        109,736.72          1
                                       7.125            741.10         33
                                       6.875            741.10
    SOMERS           NY   10589          1            06/19/02         00
    561114                               01           08/01/02          0
    561114                               O            07/01/32
    0

    7815563          286/286             F          208,000.00         ZZ
                                         360        207,649.50          1
                                       6.875          1,366.42         88
                                       6.625          1,366.42
    EXETER           CA   93221          1            06/10/02         11
    890077                               05           08/01/02         25
    890077                               O            07/01/32
    0
1

    7815565          286/286             F          121,500.00         ZZ
                                         360        121,295.26          1
                                       6.875            798.17         90
                                       6.625            798.17
    MUSKEGO          WI   53150          2            06/17/02         10
    1330567                              05           08/01/02         25
    1330567                              O            07/01/32
    0

    7815577          286/286             F          164,200.00         ZZ
                                         360        163,923.31          1
                                       6.875          1,078.68         67
                                       6.625          1,078.68
    WANDO            SC   29492          5            06/11/02         00
    1312141                              05           08/01/02          0
    1312141                              O            07/01/32
    0

    7815581          286/286             F          125,000.00         ZZ
                                         360        124,789.37          1
                                       6.875            821.17         45
                                       6.625            821.17
    BLOOMINGTON      IN   47401          5            05/30/02         00
    1291998                              05           08/01/02          0
    1291998                              O            07/01/32
    0

    7815735          967/G02             F           99,450.00         ZZ
                                         360         99,286.50          1
                                       7.000            661.64         85
                                       6.750            661.64
    JEROME           ID   83338          5            06/17/02         04
    0434226502                           05           08/01/02         12
    8906901                              O            07/01/32
    0

    7815927          964/G02             F          223,000.00         ZZ
                                         360        222,624.23          1
                                       6.875          1,464.95         75
                                       6.625          1,464.95
    NOVATO           CA   94947          5            06/19/02         00
    0434467676                           09           08/01/02          0
    220440                               O            07/01/32
    0

    7815939          964/G02             F          206,000.00         ZZ
                                         360        205,617.40          1
1

                                       6.375          1,285.17         80
                                       6.125          1,285.17
    MODESTO          CA   95350          1            06/18/02         00
    0434318788                           05           08/01/02          0
    222377                               O            07/01/32
    0

    7815941          964/G02             F           94,400.00         ZZ
                                         360         93,841.72          1
                                       7.125            635.99         80
                                       6.875            635.99
    SCOTTSDALE       AZ   85250          1            06/19/02         00
    0434318713                           03           08/01/02          0
    223533                               O            07/01/32
    0

    7819943          E22/G02             F          199,750.00         ZZ
                                         360        199,413.40          1
                                       6.875          1,312.22         85
                                       6.625          1,312.22
    PONTIAC          MI   48340          1            06/28/02         11
    0413940289                           29           08/01/02         12
    0413940289                           O            07/01/32
    0

    7820069          E22/G02             F          149,600.00         ZZ
                                         360        147,743.55          1
                                       7.000            995.29         80
                                       6.750            995.30
    SHELBY           MI   48316          1            06/28/02         00
    0414172098                           05           08/01/02          0
    0414172098                           O            07/01/32
    0

    7820125          E22/G02             F          208,400.00         ZZ
                                         360        208,081.87          1
                                       7.375          1,439.37         80
                                       7.125          1,439.37
    WASHINGTON       DC   20003          1            06/28/02         00
    0414203984                           07           08/01/02          0
    0414203984                           O            07/01/32
    0

    7820203          E22/G02             F          100,000.00         ZZ
                                         360         99,839.59          1
                                       7.125            673.72         73
                                       6.875            673.72
    SACRAMENTO       CA   95820          2            06/24/02         00
    0414237073                           05           08/01/02          0
1

    0414237073                           N            07/01/32
    0

    7820273          E22/G02             F           90,000.00         ZZ
                                         360         89,875.73          4
                                       7.875            652.56         90
                                       7.625            652.56
    HOUSTON          TX   77007          1            06/28/02         01
    0414259580                           05           08/01/02         25
    0414259580                           N            07/01/32
    0

    7820529          E22/G02             F          216,000.00         ZZ
                                         360        215,627.01          1
                                       6.750          1,400.97         80
                                       6.500          1,400.97
    CHICAGO          IL   60707          1            06/28/02         00
    0414346221                           05           08/01/02          0
    0414346221                           O            07/01/32
    0

    7822781          U05/G02             F           93,750.00         ZZ
                                         360         93,592.03          1
                                       6.875            615.87         78
                                       6.625            615.87
    MISHAWAKA        IN   46545          5            06/18/02         00
    0434226841                           05           08/01/02          0
    3235238                              O            07/01/32
    0

    7823623          E22/G02             F          112,000.00         ZZ
                                         360        111,797.10          1
                                       7.000            745.14         80
                                       6.750            745.14
    CHULA VISTA      CA   91911          5            06/21/02         00
    0414314351                           01           08/01/02          0
    0414314351                           O            07/01/32
    0

    7824975          S27/G02             F          146,700.00         ZZ
                                         360        146,492.25          2
                                       7.750          1,050.98         90
                                       7.500          1,050.98
    CINCINNATI       OH   45224          1            06/21/02         10
    0434453940                           05           08/01/02         25
    1830001112                           N            07/01/32
    0

1

    7825013          X19/G02             F           70,000.00         ZZ
                                         360         69,945.40          1
                                       7.250            477.52         50
                                       7.000            477.52
    PEEKSKILL        NY   10566          1            07/02/02         00
    0434334777                           01           09/01/02          0
    22050704                             N            08/01/32
    0

    7825891          E22/G02             F           98,500.00         ZZ
                                         360         98,345.86          2
                                       7.250            671.94         84
                                       7.000            671.94
    FAIRFIELD        AL   35064          2            06/27/02         04
    0414003384                           05           08/01/02         12
    0414003384                           O            07/01/32
    0

    7826009          E22/G02             F          315,000.00         ZZ
                                         360        314,494.71          1
                                       7.125          2,122.21         90
                                       6.875          2,122.21
    PEMBROKE PINES   FL   33028          5            06/27/02         04
    0414264523                           03           08/01/02         25
    0414264523                           O            07/01/32
    0

    7826093          E22/G02             F           97,200.00         ZZ
                                         360         97,129.65          1
                                       7.625            687.98         90
                                       7.375            687.98
    PRIEST RIVER     ID   83856          1            06/27/02         01
    0414323907                           05           09/01/02         25
    0414323907                           O            08/01/32
    0

    7826149          E22/G02             F           99,750.00         ZZ
                                         360         99,665.40          1
                                       7.375            688.95         95
                                       7.125            688.95
    ENID             OK   73703          5            06/27/02         01
    0414360602                           05           09/01/02         30
    0414360602                           O            08/01/32
    0

    7826277          E82/G02             F          197,000.00         ZZ
                                         360        196,842.46          1
                                       7.125          1,327.23         80
                                       6.875          1,327.23
1

    LYONS            OR   97358          1            07/03/02         00
    0400641940                           05           09/01/02          0
    0400641940                           O            08/01/32
    0

    7826623          K15/G02             F          293,500.00         ZZ
                                         240        292,468.76          3
                                       7.750          2,409.48         95
                                       7.500          2,409.48
    HAMPTON          NH   03842          1            06/25/02         11
    0434244448                           02           08/01/02         30
    033105500680                         O            07/01/22
    0

    7826943          K15/G02             F          163,000.00         ZZ
                                         360        162,732.00          1
                                       7.000          1,084.44         75
                                       6.750          1,084.44
    BAYSHORE         NY   11706          5            06/25/02         00
    0434246674                           05           08/01/02          0
    020805303429                         O            07/01/32
    0

    7828415          461/G02             F          600,000.00         ZZ
                                         360        599,013.49          4
                                       7.000          3,991.82         80
                                       6.750          3,991.82
    LONG BEACH       CA   90803          1            06/28/02         00
    0434498283                           05           08/01/02          0
    9031467368                           O            07/01/32
    0

    7829745          E22/G02             F          220,000.00         ZZ
                                         360        219,795.43          1
                                       6.750          1,426.92         78
                                       6.500          1,426.92
    BOULDER          CO   80303          5            06/28/02         00
    0414171918                           09           09/01/02          0
    0414171918                           O            08/01/32
    0

    7829803          E22/G02             F           95,000.00         ZZ
                                         360         94,847.61          1
                                       7.125            640.03         80
                                       6.875            640.03
    PUEBLO           CO   81006          5            06/28/02         00
    0414236422                           05           08/01/02          0
    0414236422                           O            07/01/32
    0
1

    7829919          E22/G02             F          101,500.00         ZZ
                                         360        101,373.80          1
                                       7.375            701.04         80
                                       7.125            701.04
    WHEATON          IL   60187          1            07/03/02         00
    0414318410                           01           09/01/02          0
    0414318410                           N            08/01/32
    0

    7831193          601/G02             F           93,500.00         ZZ
                                         360         93,357.28          1
                                       7.375            645.78         85
                                       7.125            645.78
    POOLER           GA   31322          5            06/05/02         14
    0434228920                           05           08/01/02         12
    61483921                             O            07/01/32
    0

    7831295          964/G02             F          245,000.00         ZZ
                                         360        244,544.96          1
                                       6.375          1,528.48         41
                                       6.125          1,528.48
    ARROYO GRANDE    CA   93420          2            06/24/02         00
    0434324810                           05           08/01/02          0
    203789                               O            07/01/32
    0

    7831297          964/G02             F           99,200.00         T
                                         360         99,040.87          1
                                       7.125            668.33         80
                                       6.875            668.33
    OAKHURST         CA   93644          1            06/20/02         00
    0434318861                           05           08/01/02          0
    208938                               O            07/01/32
    0

    7831315          964/G02             F          249,750.00         ZZ
                                         360        249,318.73          1
                                       6.750          1,619.87         75
                                       6.500          1,619.87
    TEMPE            AZ   85283          1            06/24/02         00
    0434317962                           03           08/01/02          0
    217541                               O            07/01/32
    0

    7831325          964/G02             F          153,700.00         ZZ
                                         360        153,434.58          1
1

                                       6.750            996.90         80
                                       6.500            996.90
    GARDNERVILLE     NV   89410          5            06/21/02         00
    0434467049                           05           08/01/02          0
    220141                               O            07/01/32
    0

    7831915          601/G02             F           78,000.00         ZZ
                                         360         77,883.86          1
                                       7.500            545.39         69
                                       7.250            545.39
    OGDEN            UT   84405          5            06/19/02         00
    0434229498                           05           08/01/02          0
    61534475                             O            07/01/32
    0

    7831985          601/G02             F          100,000.00         ZZ
                                         360         99,797.37          2
                                       8.000            733.76         35
                                       7.750            733.76
    MATTAPAN         MA   02126          5            05/28/02         00
    0434233680                           05           07/01/02          0
    61442604                             O            06/01/32
    0

    7833873          E22/G02             F          109,800.00         ZZ
                                         360        109,619.48          1
                                       7.000            730.50         90
                                       6.750            730.50
    COLORADO SPRING  CO   80905          1            07/05/02         04
    0414349589                           05           08/01/02         25
    0414349589                           N            07/01/32
    0

    7838261          E22/G02             F          142,200.00         ZZ
                                         360        141,902.04          1
                                       7.375            982.14         90
                                       7.125            982.14
    MIAMI            FL   33177          5            07/02/02         04
    0414260489                           05           08/01/02         25
    0414260489                           O            07/01/32
    0

    7838447          E22/G02             F           96,300.00         ZZ
                                         360         96,228.54          1
                                       7.500            673.34         90
                                       7.250            673.34
    DENHAM SPRINGS   LA   70726          1            07/08/02         11
    0414365577                           05           09/01/02         25
1

    0414365577                           O            08/01/32
    0

    7838479          E22/G02             F          161,200.00         ZZ
                                         360        161,067.86          1
                                       7.000          1,072.47         80
                                       6.750          1,072.47
    MILWAUKIE        OR   97222          1            07/01/02         00
    0414386664                           05           09/01/02          0
    0414386664                           O            08/01/32
    0

    7838487          E22/G02             F           89,900.00         ZZ
                                         360         89,678.29          3
                                       8.000            659.65         90
                                       7.750            659.65
    FORT MYERS       FL   33916          1            07/08/02         04
    0414398388                           05           08/01/02         25
    0414398388                           N            07/01/32
    0

    7838489          E22/G02             F           89,900.00         ZZ
                                         360         89,678.29          3
                                       8.000            659.65         90
                                       7.750            659.65
    FORT MYERS       FL   33916          1            07/08/02         04
    0414398818                           05           08/01/02         25
    0414398818                           N            07/01/32
    0

    7838751          696/G02             F          163,200.00         ZZ
                                         360        162,938.21          1
                                       7.125          1,099.51         80
                                       6.875          1,099.51
    GAITHERSBURG     MD   20878          1            06/28/02         00
    0434243911                           01           08/01/02          0
    31202214                             O            07/01/32
    0

    7838833          G34/G02             F          128,700.00         ZZ
                                         360        128,498.60          2
                                       7.250            877.96         90
                                       7.000            877.96
    CENTRAL POINT    OR   97502          1            06/26/02         19
    0434347241                           05           08/01/02         25
    44802263118                          N            07/01/32
    0

1

    7839133          S27/G02             F          192,000.00         T
                                         360        191,846.46          1
                                       7.125          1,293.54         58
                                       6.875          1,293.54
    ST AUGUSTINE     FL   32080          1            07/02/02         00
    0434332276                           01           09/01/02          0
    1010021017                           O            08/01/32
    0

    7841095          W53/G02             F          216,000.00         ZZ
                                         360        215,352.77          3
                                       7.500          1,510.30         90
                                       7.250          1,510.30
    BLOOMFIELD       NJ   07003          1            04/04/02         01
    0434278875                           05           06/01/02         25
    5101156100                           O            05/01/32
    0

    7842749          E22/G02             F          132,700.00         ZZ
                                         360        132,588.52          1
                                       6.875            871.74         76
                                       6.625            871.74
    CHAPIN           SC   29036          2            07/03/02         00
    0414290593                           05           09/01/02          0
    0414290593                           O            08/01/32
    0

    7842823          E22/G02             F          103,500.00         ZZ
                                         360        103,423.19          1
                                       7.500            723.69         90
                                       7.250            723.69
    SAN ANTONIO      TX   78254          1            07/09/02         01
    0414360008                           03           09/01/02         25
    0414360008                           N            08/01/32
    0

    7843863          601/G02             F          168,000.00         ZZ
                                         360        167,601.11          1
                                       7.250          1,146.06         80
                                       7.000          1,146.06
    ALEXANDRIA       VA   22315          1            05/28/02         00
    0434258323                           09           07/01/02          0
    61515391                             O            06/01/32
    0

    7843937          601/G02             F          102,200.00         ZZ
                                         360        102,040.06          1
                                       7.250            697.19         80
                                       7.000            697.19
1

    CANTON           GA   30114          1            06/13/02         00
    0434255337                           05           08/01/02          0
    61482360                             N            07/01/32
    0

    7843971          601/G02             F           95,000.00         ZZ
                                         360         94,770.71          1
                                       7.125            640.04         54
                                       6.875            640.04
    SALEM            NH   03079          5            05/22/02         00
    0434254892                           05           07/01/02          0
    61476545                             O            06/01/32
    0

    7843975          L16/G02             F           91,500.00         ZZ
                                         360         91,367.14          1
                                       7.625            647.63         74
                                       7.375            647.63
    BAKERSFIELD      CA   93313          2            06/10/02         00
    0434235669                           05           08/01/02          0
    12050068                             O            07/01/32
    0

    7845139          601/G02             F          102,400.00         ZZ
                                         360        102,170.58          2
                                       7.500            716.00         80
                                       7.250            716.00
    NEW BEDFORD      MA   02740          1            05/20/02         00
    0434254967                           05           07/01/02          0
    61476842                             N            06/01/32
    0

    7845177          F25/G02             F          221,000.00         ZZ
                                         360        220,823.27          3
                                       7.125          1,488.92         77
                                       6.875          1,488.92
    BROOKLYN         NY   11216          2            07/06/02         00
    0434253837                           05           09/01/02          0
    1                                    O            08/01/32
    0

    7845741          E22/G02             F           88,000.00         T
                                         360         87,927.86          1
                                       7.000            585.47         80
                                       6.750            585.47
    BOISE            ID   83702          1            07/02/02         00
    0414261685                           05           09/01/02          0
    0414261685                           O            08/01/32
    0
1

    7845795          E22/G02             F          108,000.00         ZZ
                                         360        107,923.77          1
                                       7.750            773.73         80
                                       7.500            773.73
    TUNNEL HILL      GA   30755          2            07/10/02         00
    0414330704                           05           09/01/02          0
    0414330704                           O            08/01/32
    0

    7845979          E82/G02             F          121,200.00         ZZ
                                         360        121,098.18          1
                                       6.875            796.20         90
                                       6.625            796.20
    HARBOR CITY      CA   90710          2            06/22/02         04
    0400641619                           01           09/01/02         25
    0400641619                           O            08/01/32
    0

    7846195          S27/G02             F          104,000.00         ZZ
                                         360        103,918.86          1
                                       7.250            709.47         80
                                       7.000            709.47
    SAINT AUGUSTINE  FL   32086          1            07/03/02         00
    0434257705                           05           09/01/02          0
    1010020966                           N            08/01/32
    0

    7846219          601/G02             F           72,000.00         ZZ
                                         360         71,898.03          2
                                       7.750            515.82         80
                                       7.500            515.82
    TAMPA            FL   33612          1            06/14/02         00
    0434235719                           05           08/01/02          0
    61547618                             N            07/01/32
    0

    7846311          W40/G02             F          159,600.00         ZZ
                                         360        159,462.59          1
                                       6.750          1,035.16         80
                                       6.500          1,035.16
    CANTON           MI   48187          1            07/08/02         00
    0434400032                           05           09/01/02          0
    101007854                            O            08/01/32
    0

    7846375          W08/G02             F           74,000.00         ZZ
                                         360         73,889.82          1
1

                                       7.500            517.42         80
                                       7.250            517.42
    CAROL CITY       FL   33055          1            06/28/02         00
    0434325940                           05           08/01/02          0
    021312MG                             O            07/01/32
    0

    7847145          196/G02             F          251,900.00         ZZ
                                         360        251,560.82          3
                                       8.000          1,848.36         90
                                       7.750          1,848.36
    WARREN           RI   02885          1            06/21/02         04
    0434294690                           05           08/01/02         25
    1320275                              N            07/01/32
    0

    7847161          196/G02             F           38,752.00         ZZ
                                         360         38,691.35          1
                                       7.250            264.36         58
                                       7.000            264.36
    COLONIAL BEACH   VA   22443          5            06/28/02         00
    0434396057                           05           08/01/02          0
    1321002                              O            07/01/32
    0

    7847173          196/G02             F          110,000.00         ZZ
                                         360        109,840.25          1
                                       7.625            778.58         48
                                       7.375            778.58
    MANTECA          CA   95336          1            06/19/02         00
    0434326195                           03           08/01/02          0
    1322372                              N            07/01/32
    0

    7847187          196/G02             F          241,500.00         ZZ
                                         360        240,982.97          1
                                       6.750          1,566.37         50
                                       6.500          1,566.37
    SANTA ROSA       CA   95404          1            06/10/02         00
    0434323168                           05           08/01/02          0
    1495684                              O            07/01/32
    0

    7847231          196/G02             F          130,410.00         ZZ
                                         360        130,145.73          4
                                       8.000            956.90         90
                                       7.750            956.90
    COLUMBIA         SC   29210          2            06/04/02         02
    0434395786                           05           07/01/02         25
1

    1538712                              N            06/01/32
    0

    7847257          196/G02             F          260,000.00         ZZ
                                         360        259,417.49          1
                                       7.500          1,817.96         60
                                       7.250          1,817.96
    VENTURA          CA   93004          1            05/24/02         00
    0434396479                           05           07/01/02          0
    1540518                              N            06/01/32
    0

    7847269          196/G02             F          229,500.00         ZZ
                                         360        229,183.07          4
                                       7.875          1,664.04         88
                                       7.625          1,664.04
    WASILLA          AK   99654          1            06/25/02         14
    0434395877                           05           08/01/02         25
    1541036                              N            07/01/32
    0

    7847315          196/G02             F           97,395.00         ZZ
                                         360         97,238.76          1
                                       7.125            656.17         80
                                       6.875            656.17
    WOOSTER          OH   44691          1            06/20/02         00
    0434321790                           01           08/01/02          0
    1542846                              O            07/01/32
    0

    7847323          196/G02             F           96,500.00         ZZ
                                         360         96,337.38          1
                                       6.875            633.94         88
                                       6.625            633.94
    MEEKER           CO   81641          2            06/27/02         11
    0434295937                           05           08/01/02         25
    1543076                              O            07/01/32
    0

    7847357          196/G02             F          194,000.00         ZZ
                                         360        193,681.03          1
                                       7.000          1,290.69         80
                                       6.750          1,290.69
    SOUTHINGTON      CT   06489          5            06/14/02         00
    0434396321                           05           08/01/02          0
    1544890                              O            07/01/32
    0

1

    7847359          196/G02             F           92,800.00         ZZ
                                         360         92,639.75          1
                                       6.750            601.90         80
                                       6.500            601.90
    STATESBORO       GA   30461          1            06/28/02         00
    0434295705                           05           08/01/02          0
    1544897                              O            07/01/32
    0

    7847371          196/G02             F          250,000.00         ZZ
                                         360        249,578.72          1
                                       6.875          1,642.33         59
                                       6.625          1,642.33
    VALLEGO          CA   94591          5            06/20/02         00
    0434324513                           05           08/01/02          0
    1545856                              O            07/01/32
    0

    7847383          196/G02             F          130,900.00         ZZ
                                         360        130,673.95          2
                                       6.750            849.02         70
                                       6.500            849.02
    BRIDGEPORT       CT   06604          1            06/27/02         00
    0434396446                           05           08/01/02          0
    1546697                              O            07/01/32
    0

    7847389          196/G02             F           96,000.00         ZZ
                                         360         95,864.04          2
                                       7.750            687.76         80
                                       7.500            687.76
    ANSONIA          CT   06401          1            07/03/02         00
    0434326823                           05           08/01/02          0
    1547263                              N            07/01/32
    0

    7847827          738/G02             F          245,000.00         ZZ
                                         360        244,616.58          1
                                       7.250          1,671.34         95
                                       7.000          1,671.34
    COLUMBIA         SC   29223          1            06/26/02         10
    0434325445                           05           08/01/02         30
    40470953                             O            07/01/32
    0

    7847845          K15/G02             F          100,100.00         ZZ
                                         360         99,994.34          1
                                       7.125            674.39         59
                                       6.875            674.39
1

    INWOOD           NY   11096          5            07/02/02         00
    0434251864                           05           09/01/02          0
    011105300209                         N            08/01/32
    0

    7848257          477/G02             F          130,320.00         ZZ
                                         360        130,110.96          1
                                       7.125            877.99         80
                                       6.875            877.99
    TEMECULA         CA   92591          1            06/25/02         00
    0434270930                           01           08/01/02          0
    232712                               O            07/01/32
    0

    7848813          E47/G02             F          188,000.00         ZZ
                                         360        187,683.20          1
                                       6.875          1,235.03         80
                                       6.625          1,235.03
    AUSTIN           TX   78749          5            06/17/02         00
    0434326682                           05           08/01/02          0
    7362511248                           O            07/01/32
    0

    7848815          E86/G02             F          206,500.00         ZZ
                                         360        206,152.03          1
                                       6.875          1,356.56         22
                                       6.625          1,356.56
    EDGEWATER        MD   21037          5            06/26/02         00
    0434325833                           05           08/01/02          0
    316691                               O            07/01/32
    0

    7848875          E22/G02             F           94,900.00         ZZ
                                         360         94,831.31          1
                                       7.625            671.70         95
                                       7.375            671.70
    PALM BEACH GARD  FL   33418          1            07/11/02         04
    0414192880                           09           09/01/02         30
    0414192880                           O            08/01/32
    0

    7848963          E22/G02             F          213,750.00         ZZ
                                         360        213,591.37          1
                                       7.500          1,494.57         95
                                       7.250          1,494.57
    PICO RIVERA      CA   90660          1            07/01/02         11
    0414386474                           05           09/01/02         35
    0414386474                           O            08/01/32
    0
1

    7849255          E82/G02             F           96,000.00         ZZ
                                         360         95,920.00          1
                                       7.000            638.69         80
                                       6.750            638.69
    MARIETTA         GA   30008          5            07/05/02         00
    0400643383                           05           09/01/02          0
    0400643383                           O            08/01/32
    0

    7851629          196/G02             F          265,400.00         ZZ
                                         360        264,727.25          1
                                       6.875          1,743.49         75
                                       6.625          1,743.49
    CORONA           CA   92880          1            05/30/02         00
    0434396651                           05           07/01/02          0
    1536231                              O            06/01/32
    0

    7853741          T44/G02             F          124,000.00         ZZ
                                         360        123,805.95          4
                                       7.250            845.90         80
                                       7.000            845.90
    MARYSVILLE       CA   95901          1            06/28/02         00
    0434278461                           05           08/01/02          0
    1045978                              N            07/01/32
    0

    7853795          E22/G02             F          104,500.00         ZZ
                                         360        104,422.45          2
                                       7.500            730.68         95
                                       7.250            730.68
    MIAMI            FL   33142          1            07/12/02         04
    0414220095                           05           09/01/02         30
    0414220095                           O            08/01/32
    0

    7853825          E22/G02             F          150,000.00         ZZ
                                         360        149,885.87          1
                                       7.375          1,036.01         60
                                       7.125          1,036.01
    DALLAS           TX   75252          5            07/08/02         00
    0414288738                           05           09/01/02          0
    0414288738                           O            08/01/32
    0

    7854147          E82/G02             F          187,100.00         ZZ
                                         360        186,881.36          1
1

                                       6.875          1,229.11         55
                                       6.625          1,229.11
    PEMBROKE PINES   FL   33028          2            07/08/02         00
    0400631834                           05           09/01/02          0
    7854147                              O            08/01/32
    0

    7854237          737/G02             F          139,500.00         ZZ
                                         360        139,307.37          4
                                       7.875          1,011.47         90
                                       7.625          1,011.47
    NEW ORLEANS      LA   70127          1            06/07/02         12
    0434273413                           05           08/01/02         25
    2071830                              N            07/01/32
    0

    7854313          U36/G02             F           95,400.00         ZZ
                                         360         95,257.96          1
                                       7.500            667.05         90
                                       7.250            667.05
    MARIETTA         GA   30066          1            07/02/02         12
    0434321485                           05           08/01/02         25
    973601001                            O            07/01/32
    0

    7854429          H81/G02             F          203,000.00         ZZ
                                         360        202,697.74          2
                                       7.500          1,419.41         70
                                       7.250          1,419.41
    BERWYN           IL   60402          5            06/26/02         00
    0434335063                           05           08/01/02          0
    WH15525SP                            O            07/01/32
    0

    7854537          A50/G02             F           90,500.00         ZZ
                                         360         90,311.93          1
                                       7.875            656.19         70
                                       7.625            656.19
    WARRIOR          AL   35180          2            05/30/02         00
    0434279188                           05           07/01/02          0
    494762                               O            06/01/32
    0

    7855511          477/G02             F          256,400.00         ZZ
                                         360        255,967.94          1
                                       6.875          1,684.37         90
                                       6.625          1,684.37
    CARSON           CA   90745          1            06/24/02         11
    0434278230                           05           08/01/02         25
1

    232897                               O            07/01/32
    0

    7856847          N67/G02             F          157,000.00         ZZ
                                         360        156,726.21          1
                                       8.750          1,235.12         79
                                       8.500          1,235.12
    WESTMINSTER      CO   80021          5            06/04/02         01
    0434293338                           05           08/01/02         35
    1782001166A                          O            07/01/32
    0

    7857331          E22/G02             F           88,000.00         ZZ
                                         360         87,936.31          2
                                       7.625            622.86         80
                                       7.375            622.86
    COLUMBUS         OH   43209          5            07/15/02         00
    0414076083                           05           09/01/02          0
    0414076083                           N            08/01/32
    0

    7857367          E22/G02             F          184,500.00         ZZ
                                         360        184,373.03          2
                                       7.875          1,337.75         90
                                       7.625          1,337.75
    ELIZABETH        NJ   07202          1            07/15/02         04
    0414190009                           05           09/01/02         25
    0414190009                           O            08/01/32
    0

    7857571          E22/G02             F           95,500.00         ZZ
                                         360         95,419.77          1
                                       6.875            627.37         51
                                       6.625            627.37
    ATLANTA          GA   30316          5            07/09/02         00
    0414386128                           05           09/01/02          0
    0414386128                           O            08/01/32
    0

    7857573          E22/G02             F          128,000.00         ZZ
                                         360        127,897.64          1
                                       7.125            862.36         80
                                       6.875            862.36
    WATERFORD        MI   48328          2            07/09/02         00
    0414388702                           05           09/01/02          0
    0414388702                           O            08/01/32
    0

1

    7858423          144/144             F           92,000.00         ZZ
                                         360         91,926.43          1
                                       7.125            619.82         80
                                       6.875            619.82
    SAUGERTIES       NY   12477          1            07/02/02         00
    160692756                            05           09/01/02          0
    160692756                            O            08/01/32
    0

    7860773          E22/G02             F          160,000.00         ZZ
                                         360        159,884.20          1
                                       7.625          1,132.47         60
                                       7.375          1,132.47
    TOMBALL          TX   77375          5            07/11/02         00
    0414239814                           05           09/01/02          0
    0414239814                           O            08/01/32
    0

    7860791          E22/G02             F          140,000.00         ZZ
                                         360        139,882.38          1
                                       6.875            919.70         80
                                       6.625            919.70
    PHILOMATH        OR   97370          1            07/12/02         00
    0414284869                           05           09/01/02          0
    0414284869                           O            08/01/32
    0

    7860845          E22/G02             F          200,000.00         ZZ
                                         360        199,836.07          1
                                       7.000          1,330.60         40
                                       6.750          1,330.60
    BURLINGAME       CA   94010          1            06/26/02         00
    0414357814                           01           09/01/02          0
    0414357814                           O            08/01/32
    0

    7860967          E22/G02             F           96,300.00         ZZ
                                         360         95,944.01          1
                                       7.125            648.79         90
                                       6.875            648.79
    DENTON           TX   76209          1            07/16/02         04
    0414469387                           05           09/01/02         25
    0414469387                           N            08/01/32
    0

    7861015          E82/G02             F          263,000.00         ZZ
                                         360        262,789.68          2
                                       7.125          1,771.88         48
                                       6.875          1,771.88
1

    SAN JOSE         CA   95124          2            07/15/02         00
    0400644563                           05           09/01/02          0
    1827852                              N            08/01/32
    0

    7861381          A46/G02             F          107,900.00         ZZ
                                         360        107,747.19          4
                                       7.750            773.01         90
                                       7.500            773.01
    ALBUQUERQUE      NM   87108          1            06/21/02         04
    0434323424                           05           08/01/02         25
    04562232                             N            07/01/32
    0

    7861451          A80/G02             F          155,700.00         ZZ
                                         360        155,581.52          1
                                       7.375          1,075.39         89
                                       7.125          1,075.39
    SUNRISE          FL   33322          1            07/11/02         01
    0434378105                           05           09/01/02         25
    020630877                            O            08/01/32
    0

    7862233          313/G02             F          107,200.00         ZZ
                                         360        107,112.12          1
                                       7.000            713.21         80
                                       6.750            713.21
    GILBERT          AZ   85296          1            07/09/02         00
    0434319455                           09           09/01/02          0
    0008675993                           N            08/01/32
    0

    7862299          758/G02             F           99,050.00         ZZ
                                         360         98,833.09          1
                                       6.875            650.69         80
                                       6.625            650.69
    CYPRESS          TX   77429          1            06/26/02         00
    0434320255                           03           08/01/02          0
    301639                               O            07/01/32
    0

    7862433          X31/G02             F          188,005.00         ZZ
                                         360        187,868.93          1
                                       7.625          1,330.69         95
                                       7.375          1,330.69
    CORONA           CA   92882          1            07/11/02         10
    0434353579                           05           09/01/02         30
    40102078                             O            08/01/32
    0
1

    7862581          F61/G02             F          102,500.00         ZZ
                                         360        102,335.49          1
                                       7.125            690.56         90
                                       6.875            690.56
    OLYMPIA          WA   98516          1            07/12/02         04
    0434318697                           05           09/01/02         25
    021045CU                             N            08/01/32
    0

    7862587          144/144             F          130,400.00         ZZ
                                         360        130,290.44          1
                                       6.875            856.64         80
                                       6.625            856.64
    ROCK HILL        NY   12775          1            07/12/02         00
    160693366                            05           09/01/02          0
    160693366                            O            08/01/32
    0

    7862793          K15/G02             F          193,300.00         ZZ
                                         360        193,160.09          1
                                       7.625          1,368.17         85
                                       7.375          1,368.17
    EAST PATCHOGUE   NY   11772          5            07/10/02         11
    0434322384                           05           09/01/02         12
    020705303458                         O            08/01/32
    0

    7863051          X67/G02             F          158,950.00         ZZ
                                         360        158,819.71          1
                                       7.000          1,057.50         85
                                       6.750          1,057.50
    LONG BEACH       CA   90810          5            07/05/02         10
    0434307161                           05           09/01/02         12
    00267808                             O            08/01/32
    0

    7863443          E57/G02             F          180,000.00         ZZ
                                         360        179,856.06          1
                                       7.125          1,212.69         80
                                       6.875          1,212.69
    FRESNO           CA   93720          5            07/03/02         00
    0434321451                           05           09/01/02          0
    13002547                             O            08/01/32
    0

    7863491          E22/G02             F           95,950.00         ZZ
                                         360         95,864.36          1
1

                                       7.500            670.90         95
                                       7.250            670.90
    VALLEY TOWNSHIP  PA   19320          2            07/12/02         04
    0414217653                           05           09/01/02         30
    0414217653                           O            08/01/32
    0

    7863563          E22/G02             F          117,000.00         ZZ
                                         360        116,797.97          1
                                       6.750            758.86         90
                                       6.500            758.86
    MIAMI            FL   33176          1            06/27/02         01
    0414314955                           09           08/01/02         25
    0414314955                           O            07/01/32
    0

    7863567          E22/G02             F          125,000.00         ZZ
                                         360        124,894.99          1
                                       6.875            821.16         35
                                       6.625            821.16
    RICHMOND         CA   94803          2            07/08/02         00
    0414319061                           03           09/01/02          0
    0414319061                           O            08/01/32
    0

    7863683          E22/G02             F          117,200.00         ZZ
                                         360        117,119.35          1
                                       7.875            849.78         65
                                       7.625            849.78
    CITRONELLE       AL   36522          5            07/12/02         00
    0414403543                           05           09/01/02          0
    0414403543                           O            08/01/32
    0

    7863855          E82/G02             F          212,000.00         ZZ
                                         360        211,834.62          1
                                       7.250          1,446.21         80
                                       7.000          1,446.21
    DRAIN            OR   97435          2            07/12/02         00
    0400640009                           05           09/01/02          0
    5450548                              O            08/01/32
    0

    7864491          E76/G02             F           81,000.00         ZZ
                                         360         80,944.25          4
                                       7.875            587.31         90
                                       7.625            587.31
    NEW ORLEANS      LA   70115          2            07/12/02         12
    0434324455                           05           09/01/02         12
1

    10013432                             N            08/01/32
    0

    7864971          Q87/G02             F           92,000.00         ZZ
                                         360         91,844.98          1
                                       6.875            604.37         79
                                       6.625            604.37
    KAUFMAN          TX   75142          5            07/10/02         00
    0434327276                           05           08/15/02          0
    KEBR01                               O            07/15/32
    0

    7865135          Q87/G02             F           85,000.00         ZZ
                                         360         84,876.57          1
                                       7.625            601.62         85
                                       7.375            601.62
    SEALE            AL   36875          5            07/16/02         04
    0434394623                           05           08/22/02         12
    COCA01                               O            07/22/32
    0

    7865223          883/G02             F           96,400.00         ZZ
                                         360         96,326.65          1
                                       7.375            665.81         80
                                       7.125            665.81
    WINTER HAVEN     FL   33884          1            07/12/02         00
    0434325908                           05           09/01/02          0
    05017411                             O            08/01/32
    0

    7866237          U05/G02             F          100,000.00         ZZ
                                         360         99,843.51          1
                                       7.250            682.18         80
                                       7.000            682.18
    MODESTO          CA   95356          1            06/27/02         00
    0434325742                           01           08/01/02          0
    3237872                              N            07/01/32
    0

    7866251          P27/G02             F          106,000.00         ZZ
                                         360        105,829.97          2
                                       7.125            714.14         40
                                       6.875            714.14
    OAKLAND          CA   94601          5            06/13/02         00
    0434324992                           05           08/01/02          0
    2102065422                           O            07/01/32
    0

1

    7866975          E22/G02             F          178,000.00         ZZ
                                         360        177,846.75          1
                                       6.750          1,154.50         77
                                       6.500          1,154.50
    LOMPOC           CA   93436          2            07/02/02         00
    0414356139                           05           09/01/02          0
    0414356139                           O            08/01/32
    0

    7867071          E22/G02             F          192,800.00         ZZ
                                         360        190,997.05          1
                                       6.750          1,250.50         80
                                       6.500          1,250.50
    ELKHART          IN   46516          1            07/19/02         00
    0414515387                           03           09/01/02          0
    0414515387                           O            08/01/32
    0

    7867141          E82/G02             F          158,700.00         ZZ
                                         360        158,579.24          4
                                       7.375          1,096.10         48
                                       7.125          1,096.10
    CHINO            CA   91710          2            07/17/02         00
    0400645578                           05           09/01/02          0
    1769196                              N            08/01/32
    0

    7868101          E86/G02             F          244,800.00         ZZ
                                         360        244,453.32          1
                                       7.750          1,753.78         80
                                       7.500          1,753.78
    COSTA MESA       CA   92627          5            06/25/02         00
    0434341913                           05           08/01/02          0
    0000205916                           O            07/01/32
    0

    7869183          737/G02             F           80,800.00         ZZ
                                         360         80,744.39          1
                                       7.875            585.86         80
                                       7.625            585.86
    SAINT GEORGE     UT   84770          1            07/10/02         00
    0434354148                           05           09/01/02          0
    2074282                              N            08/01/32
    0

    7869347          A06/G02             F           69,300.00         ZZ
                                         360         69,248.57          2
                                       7.500            484.56         90
                                       7.250            484.56
1

    DETROIT          MI   48206          1            07/12/02         12
    0434330601                           05           09/01/02         25
    001000010201101                      O            08/01/32
    0

    7869397          758/G02             F           91,400.00         ZZ
                                         360         91,325.08          1
                                       7.000            608.09         75
                                       6.750            608.09
    SUGAR LAND       TX   77478          1            07/09/02         00
    0434324224                           05           09/01/02          0
    871469                               O            08/01/32
    0

    7870977          E22/G02             F          120,500.00         ZZ
                                         240        120,275.62          1
                                       7.250            952.40         94
                                       7.000            952.40
    GORHAM           ME   04038          5            07/15/02         04
    0414249946                           05           09/01/02         30
    0414249946                           O            08/01/22
    0

    7871065          E22/G02             F           94,500.00         ZZ
                                         360         94,428.09          1
                                       7.375            652.69         90
                                       7.125            652.69
    BROKEN ARROW     OK   74012          1            07/18/02         04
    0414373043                           05           09/01/02         25
    0414373043                           O            08/01/32
    0

    7871141          E22/G02             F          142,400.00         ZZ
                                         360        142,277.40          1
                                       6.750            923.60         80
                                       6.500            923.60
    ULM              MT   59485          5            07/15/02         00
    0414410282                           05           09/01/02          0
    0414410282                           O            08/01/32
    0

    7871231          E22/G02             F          228,637.00         ZZ
                                         360        228,463.02          1
                                       7.375          1,579.14         80
                                       7.125          1,579.14
    FORT WORTH       TX   76126          5            07/15/02         00
    0414454264                           05           09/01/02          0
    0414454264                           O            08/01/32
    0
1

    7871293          E82/G02             F          123,250.00         ZZ
                                         360        123,156.21          1
                                       7.375            851.26         85
                                       7.125            851.26
    DULUTH           MN   55811          5            07/15/02         04
    0400641031                           05           09/01/02         12
    0400641031                           O            08/01/32
    0

    7871299          E82/G02             F          124,700.00         ZZ
                                         360        124,605.12          1
                                       7.375            861.27         85
                                       7.125            861.27
    DUNEDIN          FL   34698          5            07/17/02         04
    0400645081                           05           09/01/02         12
    0400645081                           O            08/01/32
    0

    7871307          E82/G02             F          120,000.00         ZZ
                                         360        119,904.04          1
                                       7.125            808.46         56
                                       6.875            808.46
    WILDWOOD         NJ   08260          2            07/12/02         00
    0400645636                           03           09/01/02          0
    1985242                              O            08/01/32
    0

    7871311          E82/G02             F          200,000.00         ZZ
                                         360        199,836.07          1
                                       7.000          1,330.60         80
                                       6.750          1,330.60
    IMPERIAL         NE   69033          2            07/17/02         00
    0400643037                           05           09/01/02          0
    0400643037                           O            08/01/32
    0

    7873029          K15/G02             F           72,000.00         ZZ
                                         360         71,951.69          1
                                       8.000            528.31         80
                                       7.750            528.31
    DETROIT          MI   48224          5            07/17/02         00
    0434328811                           05           09/01/02          0
    035805501361                         O            08/01/32
    0

    7873095          952/G02             F          188,000.00         ZZ
                                         360        187,838.14          1
1

                                       6.750          1,219.36         80
                                       6.500          1,219.36
    WASHINGTON TWP   NJ   08032          5            07/11/02         00
    0434330973                           05           09/01/02          0
    20026277                             O            08/01/32
    0

    7873179          144/144             F          110,000.00         ZZ
                                         360        109,907.59          1
                                       6.875            722.62         58
                                       6.625            722.62
    RIVERHEAD        NY   11901          5            07/15/02         00
    160666099                            05           09/01/02          0
    160666099                            O            08/01/32
    0

    7873185          W02/G02             F           94,650.00         ZZ
                                         360         94,568.51          1
                                       6.750            613.90         76
                                       6.500            613.90
    SAINT AUGUSTINE  FL   32084          5            07/05/02         00
    0434323739                           05           09/01/02          0
    1001277995                           O            08/01/32
    0

    7873473          588/G02             F          124,000.00         ZZ
                                         360        123,815.37          1
                                       7.500            867.03         80
                                       7.250            867.03
    RESTON           VA   20194          1            06/06/02         00
    0434330270                           01           08/01/02          0
    00010676442                          O            07/01/32
    0

    7875197          E22/G02             F           54,000.00         ZZ
                                         360         53,962.84          1
                                       7.875            391.54         66
                                       7.625            391.54
    YAKIMA           WA   98901          2            07/12/02         00
    0414314567                           05           09/01/02          0
    0414314567                           N            08/01/32
    0

    7875221          E22/G02             F          120,000.00         ZZ
                                         360        119,901.64          1
                                       7.000            798.36         80
                                       6.750            798.36
    HAUGHTON         LA   71037          2            07/16/02         00
    0414334250                           05           09/01/02          0
1

    0414334250                           O            08/01/32
    0

    7875251          E22/G02             F           93,600.00         ZZ
                                         360         93,521.36          1
                                       6.875            614.89         80
                                       6.625            614.89
    ALBUQUERQUE      NM   87120          5            07/16/02         00
    0414371070                           05           09/01/02          0
    0414371070                           O            08/01/32
    0

    7875255          E22/G02             F          218,500.00         ZZ
                                         360        218,349.63          1
                                       7.875          1,584.28         95
                                       7.625          1,584.28
    CORAL SPRINGS    FL   33065          5            07/16/02         04
    0414373993                           05           09/01/02         30
    0414373993                           O            08/01/32
    0

    7875415          E22/G02             F          200,000.00         ZZ
                                         360        199,831.97          1
                                       6.875          1,313.86         55
                                       6.625          1,313.86
    NEVADA CITY      CA   95959          1            07/15/02         00
    0414475921                           05           09/01/02          0
    0414475921                           O            08/01/32
    0

    7875437          E22/G02             F          258,400.00         ZZ
                                         360        258,203.38          2
                                       7.375          1,784.70         80
                                       7.125          1,784.70
    SANTA PAULA      CA   93060          1            07/12/02         00
    0414505651                           05           09/01/02          0
    0414505651                           N            08/01/32
    0

    7875533          E82/G02             F          145,900.00         ZZ
                                         360        145,786.18          1
                                       7.250            995.30         52
                                       7.000            995.30
    FAYETTEVILL      NY   13066          2            07/18/02         00
    0400645834                           05           09/01/02          0
    3613169                              O            08/01/32
    0

1

    7875535          E82/G02             F          150,050.00         ZZ
                                         360        149,923.94          1
                                       6.875            985.72         80
                                       6.625            985.72
    SAN MARCOS       TX   78666          2            07/19/02         00
    0400655205                           05           09/01/02          0
    0400655205                           O            08/01/32
    0

    7875573          E82/G02             F          172,000.00         T
                                         360        171,862.45          1
                                       7.125          1,158.80         64
                                       6.875          1,158.80
    TUCSON           AZ   85715          2            07/17/02         00
    0400646576                           05           09/01/02          0
    0400646576                           O            08/01/32
    0

    7876185          U05/G02             F          189,000.00         ZZ
                                         360        188,845.08          1
                                       7.000          1,257.42         90
                                       6.750          1,257.42
    PORTLAND         OR   97214          1            07/03/02         11
    0434379970                           05           09/01/02         25
    3242735                              O            08/01/32
    0

    7876625          Q66/G02             F          191,800.00         ZZ
                                         360        191,654.06          1
                                       7.375          1,324.71         95
                                       7.125          1,324.71
    SOUTH ST. PAUL   MN   55075          2            07/23/02         14
    0434339362                           05           09/01/02         30
    02B0020                              O            08/01/32
    0

    7877067          E11/G02             F          208,000.00         ZZ
                                         360        207,825.26          1
                                       6.875          1,366.41         80
                                       6.625          1,366.41
    GILBERT          AZ   85234          1            07/16/02         00
    0434343083                           03           09/01/02          0
    1                                    O            08/01/32
    0

    7877311          N47/G02             F          150,000.00         ZZ
                                         360        149,880.05          1
                                       7.125          1,010.58         72
                                       6.875          1,010.58
1

    GLENVILLE        NC   28736          5            07/15/02         00
    0434351722                           03           09/01/02          0
    40121326                             O            08/01/32
    0

    7877969          E22/G02             F          179,000.00         ZZ
                                         360        178,845.89          1
                                       6.750          1,160.99         64
                                       6.500          1,160.99
    BURBANK          CA   91505          2            07/16/02         00
    0414268458                           05           09/01/02          0
    0414268458                           O            08/01/32
    0

    7877989          E22/G02             F          311,000.00         ZZ
                                         360        309,645.08          1
                                       7.000          2,069.09         67
                                       6.750          2,069.09
    WESTON           FL   33326          5            07/18/02         00
    0414321414                           03           09/01/02          0
    0414321414                           O            08/01/32
    0

    7878045          E22/G02             F          150,300.00         ZZ
                                         360        150,173.73          3
                                       6.875            987.36         90
                                       6.625            987.36
    SAN BERNARDINO   CA   92404          1            07/16/02         04
    0414394114                           05           09/01/02         25
    0414394114                           N            08/01/32
    0

    7878047          E22/G02             F          150,300.00         ZZ
                                         360        150,173.73          3
                                       6.875            987.36         90
                                       6.625            987.36
    SAN BERNARDINO   CA   92404          1            07/16/02         04
    0414394122                           05           09/01/02         25
    0414394122                           N            08/01/32
    0

    7878095          E22/G02             F           57,600.00         ZZ
                                         360         56,555.07          1
                                       7.250            392.93         80
                                       7.000            392.93
    JACKSONVILLE     FL   32206          5            07/18/02         00
    0414426965                           05           09/01/02          0
    0414426965                           O            08/01/32
    0
1

    7878113          E22/G02             F          239,500.00         ZZ
                                         360        239,313.17          1
                                       7.250          1,633.81         78
                                       7.000          1,633.81
    MT. OLIVE TOWNS  NJ   07828          2            07/18/02         00
    0414445320                           05           09/01/02          0
    0414445320                           O            08/01/32
    0

    7878159          E22/G02             F          128,250.00         ZZ
                                         360        127,902.68          4
                                       7.375            885.79         90
                                       7.125            885.79
    SPOKANE          WA   99217          1            07/16/02         04
    0414497768                           05           09/01/02         25
    0414497768                           N            08/01/32
    0

    7878161          E22/G02             F          128,250.00         ZZ
                                         360        127,898.54          4
                                       7.375            885.79         90
                                       7.125            885.79
    SPOKANE          WA   99217          1            07/16/02         04
    0414497784                           05           09/01/02         25
    0414497784                           N            08/01/32
    0

    7878223          E82/G02             F          103,500.00         ZZ
                                         360        103,415.16          1
                                       7.000            688.59         73
                                       6.750            688.59
    COLORADO SPRING  CO   80918          2            07/18/02         00
    0400647483                           05           09/01/02          0
    1594787                              N            08/01/32
    0

    7878737          X31/G02             F          232,000.00         ZZ
                                         360        231,790.27          1
                                       6.500          1,466.40         57
                                       6.250          1,466.40
    CHINO HILLS      CA   91709          1            07/18/02         00
    0434395406                           03           09/01/02          0
    24000340                             O            08/01/32
    0

    7878745          X31/G02             F          146,250.00         ZZ
                                         360        146,104.54          1
1

                                       7.250            997.68         75
                                       7.000            997.68
    AZUSA AREA       CA   91702          5            07/12/02         00
    0434355541                           05           09/01/02          0
    40102829                             O            08/01/32
    0

    7878819          U05/G02             F           68,000.00         ZZ
                                         360         67,953.20          1
                                       7.875            493.05         80
                                       7.625            493.05
    HURST            TX   76053          5            07/08/02         00
    0434462297                           05           09/01/02          0
    3240805                              O            08/01/32
    0

    7878867          W30/G02             F          233,000.00         ZZ
                                         360        232,626.25          1
                                       7.125          1,569.76         78
                                       6.875          1,569.76
    BUZZARDS BAY     MA   02532          5            06/12/02         00
    0434374609                           05           08/01/02          0
    0576284                              O            07/01/32
    0

    7878893          N74/G02             F          172,800.00         ZZ
                                         360        172,651.22          1
                                       6.750          1,120.78         90
                                       6.500          1,120.78
    GASTONIA         NC   28054          5            07/19/02         10
    0434330841                           05           09/01/02         25
    0030467010                           O            08/01/32
    0

    7878903          N74/G02             F          127,300.00         ZZ
                                         360        127,210.16          1
                                       7.750            911.99         95
                                       7.500            911.99
    EASLEY           SC   29642          2            07/19/02         10
    0434349718                           05           09/01/02         30
    0030468010                           O            08/01/32
    0

    7878933          F36/G02             F           65,500.00         ZZ
                                         360         65,448.90          1
                                       7.250            446.83         76
                                       7.000            446.83
    CENTRALIA        WA   98531          1            07/10/02         00
    0434334348                           05           09/01/02          0
1

    06404832                             O            08/01/32
    0

    7879359          W30/G02             F          153,000.00         ZZ
                                         360        152,689.97          1
                                       8.000          1,122.66         90
                                       7.750          1,122.66
    BROCKTON         MA   02302          1            05/09/05         14
    0434385910                           05           07/01/02         25
    6984936                              N            06/01/32
    0

    7880049          N47/G02             F           85,000.00         ZZ
                                         360         84,940.01          1
                                       7.750            608.95         78
                                       7.500            608.95
    LAKESIDE         CA   92040          2            07/10/02         00
    0434346979                           01           09/01/02          0
    20220852                             N            08/01/32
    0

    7880453          E22/G02             F           85,000.00         T
                                         360         84,941.50          1
                                       7.875            616.31         54
                                       7.625            616.31
    ADAMSTOWN        MD   20710          5            07/24/02         00
    0413922782                           05           09/01/02          0
    0413922782                           O            08/01/32
    0

    7880489          E22/G02             F          220,000.00         ZZ
                                         360        219,836.73          3
                                       7.500          1,538.27         80
                                       7.250          1,538.27
    PERTH AMBOY      NJ   08861          1            07/24/02         00
    0414246363                           05           09/01/02          0
    0414246363                           O            08/01/32
    0

    7880493          E22/G02             F          120,800.00         ZZ
                                         360        120,698.51          1
                                       6.875            793.57         80
                                       6.625            793.57
    GLENDALE         AZ   85304          2            07/16/02         00
    0414254680                           05           09/01/02          0
    0414254680                           O            08/01/32
    0

1

    7880503          E22/G02             F           99,900.00         ZZ
                                         360         99,813.99          1
                                       6.750            647.95         90
                                       6.500            647.95
    KENDALVILLE      IN   46755          5            07/19/02         04
    0414272153                           05           09/01/02         25
    0414272153                           O            08/01/32
    0

    7880623          E22/G02             F           66,400.00         ZZ
                                         360         66,354.30          1
                                       7.875            481.45         80
                                       7.625            481.45
    HIALEAH          FL   33012          1            07/24/02         00
    0414406637                           01           09/01/02          0
    0414406637                           N            08/01/32
    0

    7880637          E22/G02             F          189,000.00         ZZ
                                         360        188,845.08          1
                                       7.000          1,257.42         90
                                       6.750          1,257.42
    MIRAMAR          FL   33027          5            07/19/02         04
    0414416511                           03           09/01/02         25
    0414416511                           O            08/01/32
    0

    7880663          E22/G02             F          210,000.00         ZZ
                                         360        209,823.58          1
                                       6.875          1,379.55         77
                                       6.625          1,379.55
    ELK GROVE        CA   95758          5            07/17/02         00
    0414433854                           05           09/01/02          0
    0414433854                           O            08/01/32
    0

    7880689          E22/G02             F          194,750.00         ZZ
                                         360        194,586.39          1
                                       6.875          1,279.37         95
                                       6.625          1,279.37
    CUMBERLAND       RI   02864          5            07/19/02         01
    0414447789                           05           09/01/02         30
    0414447789                           O            08/01/32
    0

    7880729          E22/G02             F           91,800.00         ZZ
                                         360         91,396.72          1
                                       7.125            618.47         88
                                       6.875            618.47
1

    BIRMINGHAM       AL   35222          2            07/19/02         04
    0414475855                           05           09/01/02         25
    0414475855                           O            08/01/32
    0

    7880783          E22/G02             F          196,000.00         ZZ
                                         360        195,843.26          1
                                       7.125          1,320.49         77
                                       6.875          1,320.49
    MELBA            ID   83641          2            07/19/02         00
    0414530675                           05           09/01/02          0
    0414530675                           O            08/01/32
    0

    7880823          E82/G02             F          128,600.00         ZZ
                                         360        128,509.23          1
                                       7.750            921.31         89
                                       7.500            921.31
    EL SOBRANTE      CA   94803          2            07/19/02         04
    0400625448                           01           09/01/02         25
    0400625448                           O            08/01/32
    0

    7881295          Q57/G02             F          200,000.00         ZZ
                                         360        199,827.80          1
                                       6.750          1,297.20         80
                                       6.500          1,297.20
    CENTENNIAL       CO   80112          5            07/17/02         00
    0434339586                           05           09/01/02          0
    52800002                             O            08/01/32
    0

    7881831          950/G02             F          128,250.00         ZZ
                                         360        128,157.17          3
                                       7.625            907.75         90
                                       7.375            907.75
    REDDING          CA   96019          1            07/01/02         14
    0434410734                           05           09/01/02         25
    A5205033                             N            08/01/32
    0

    7881835          W02/G02             F           96,300.00         ZZ
                                         360         95,994.63          1
                                       7.125            648.79         90
                                       6.875            648.79
    CAPE CORAL       FL   33990          5            06/28/02         12
    0434333951                           05           08/01/02         25
    1001290178                           O            07/01/32
    0
1

    7881923          Q66/G02             F          120,000.00         ZZ
                                         360        119,899.19          1
                                       6.875            788.31         74
                                       6.625            788.31
    RAMSEY           MN   55303          5            07/24/02         00
    0434334785                           05           09/01/02          0
    02B0023                              O            08/01/32
    0

    7882275          U35/G02             F          184,400.00         ZZ
                                         360        184,089.28          1
                                       6.875          1,211.38         90
                                       6.625          1,211.38
    CLOVIS           CA   93611          5            06/24/02         04
    0434508016                           05           08/01/02         25
    8741910                              O            07/01/32
    0

    7882405          E86/G02             F          223,920.00         ZZ
                                         360        223,761.96          1
                                       7.750          1,604.19         80
                                       7.500          1,604.19
    ANAHEIM          CA   92804          1            07/03/02         00
    0434340626                           05           09/01/02          0
    0000202393                           O            08/01/32
    0

    7882613          U05/G02             F          104,000.00         ZZ
                                         360        103,820.42          1
                                       6.750            674.54         80
                                       6.500            674.54
    INDIANAPOLIS     IN   46237          1            06/28/02         00
    0434341103                           05           08/01/02          0
    3240606                              N            07/01/32
    0

    7882625          E86/G02             F          140,000.00         ZZ
                                         360        139,882.38          1
                                       6.875            919.70         64
                                       6.625            919.70
    LAKE FOREST      CA   92630          1            07/10/02         00
    0434341434                           09           09/01/02          0
    208753                               O            08/01/32
    0

    7882697          U05/G02             F          240,000.00         ZZ
                                         360        231,850.69          1
1

                                       7.500          1,678.11         79
                                       7.250          1,678.11
    TUALATIN         OR   97062          2            07/05/02         00
    0434349957                           05           09/01/02          0
    3243135                              O            08/01/32
    0

    7882983          E22/G02             F          120,600.00         ZZ
                                         360        120,498.68          1
                                       6.875            792.26         80
                                       6.625            792.26
    ANDERSON         CA   96007          1            07/02/02         00
    0414150284                           05           09/01/02          0
    0414150284                           N            08/01/32
    0

    7882993          E22/G02             F          117,200.00         ZZ
                                         360        117,095.88          1
                                       7.125            789.60         80
                                       6.875            789.60
    OAKLAND          CA   94621          1            07/03/02         00
    0414167502                           05           09/01/02          0
    0414167502                           N            08/01/32
    0

    7883017          E22/G02             F          136,000.00         ZZ
                                         360        135,880.45          1
                                       6.750            882.09         80
                                       6.500            882.09
    VANCOUVER        WA   98662          1            07/22/02         00
    0414298620                           05           09/01/02          0
    0414298620                           O            08/01/32
    0

    7883035          E22/G02             F           85,000.00         ZZ
                                         360         84,932.03          1
                                       7.125            572.66         78
                                       6.875            572.66
    HIALEAH          FL   33016          1            07/25/02         00
    0414361444                           01           09/01/02          0
    0414367144                           O            08/01/32
    0

    7883059          E22/G02             F           80,000.00         ZZ
                                         360         79,944.94          1
                                       7.875            580.06         53
                                       7.625            580.06
    NORTHGLENN       CO   80233          5            07/25/02         00
    0414411108                           05           09/01/02          0
1

    0414411108                           N            08/01/32
    0

    7883083          E22/G02             F          560,000.00         ZZ
                                         360        559,604.76          3
                                       7.750          4,011.91         80
                                       7.500          4,011.91
    CHICAGO          IL   60613          1            07/25/02         00
    0414444422                           05           09/01/02          0
    0414444422                           O            08/01/32
    0

    7883115          E22/G02             F           75,000.00         T
                                         360         74,936.99          1
                                       6.875            492.70         47
                                       6.625            492.70
    SEVIERVILLE      TN   37862          5            07/25/02         00
    0414479402                           05           09/01/02          0
    0414479402                           O            08/01/32
    0

    7883131          E22/G02             F           95,800.00         ZZ
                                         360         95,732.39          1
                                       7.750            686.32         80
                                       7.500            686.32
    AURORA           CO   80017          2            07/26/02         00
    0414519405                           01           09/01/02          0
    0414519405                           N            08/01/32
    0

    7883137          E22/G02             F          180,000.00         ZZ
                                         360        179,848.78          1
                                       6.875          1,182.47         80
                                       6.625          1,182.47
    STOCKTON         CA   95219          1            07/23/02         00
    0414525402                           03           09/01/02          0
    0414525402                           O            08/01/32
    0

    7883149          E22/G02             F          166,250.00         ZZ
                                         360        166,126.62          1
                                       7.500          1,162.44         95
                                       7.250          1,162.44
    CARROLLTON       TX   75007          1            07/25/02         04
    0414543462                           05           09/01/02         30
    0414543462                           O            08/01/32
    0

1

    7883829          313/G02             F          144,450.00         ZZ
                                         360        144,134.36          1
                                       7.625          1,022.41         90
                                       7.375          1,022.41
    EGG HARBOR TOWN  NJ   08234          1            05/20/02         10
    0434335667                           05           07/01/02         25
    8714081                              O            06/01/32
    0

    7883831          313/G02             F          225,000.00         ZZ
                                         360        224,484.94          1
                                       7.500          1,573.24         58
                                       7.250          1,573.24
    WEST ROXBURY     MA   02132          5            05/16/02         00
    0434338844                           05           07/01/02          0
    8723926                              O            06/01/32
    0

    7883863          313/G02             F          177,600.00         ZZ
                                         360        177,171.38          1
                                       7.125          1,196.53         80
                                       6.875          1,196.53
    CORVALLIS        OR   97333          5            05/13/02         00
    0434338836                           03           07/01/02          0
    8736175                              O            06/01/32
    0

    7883867          313/G02             F          144,000.00         ZZ
                                         360        143,669.24          1
                                       7.375            994.58         80
                                       7.125            994.58
    OAKLAND          CA   94619          1            05/20/02         00
    0434338885                           05           07/01/02          0
    8744336                              O            06/01/32
    0

    7883871          313/G02             F          180,700.00         ZZ
                                         360        180,305.13          2
                                       7.625          1,278.99         75
                                       7.375          1,278.99
    TAUNTON          MA   02780          5            05/24/02         00
    0434338752                           05           07/01/02          0
    8739112                              O            06/01/32
    0

    7883875          313/G02             F          120,000.00         ZZ
                                         360        119,724.35          3
                                       7.375            828.82         68
                                       7.125            828.82
1

    FALL RIVER       MA   02721          5            05/29/02         00
    0434338703                           05           07/01/02          0
    8739906                              O            06/01/32
    0

    7883877          313/G02             F          220,000.00         ZZ
                                         360        219,482.02          1
                                       7.250          1,500.79         80
                                       7.000          1,500.79
    CRANSTON         RI   02910          1            06/04/02         00
    0434338927                           05           07/01/02          0
    8763021                              O            06/01/32
    0

    7883883          313/G02             F          229,000.00         ZZ
                                         360        227,081.49          1
                                       7.125          1,542.82         80
                                       6.875          1,542.82
    NORCO            CA   92860          5            06/13/02         00
    0434338570                           05           08/01/02          0
    8776239                              O            07/01/32
    0

    7883893          313/G02             F          139,500.00         ZZ
                                         360        137,024.72          2
                                       7.500            975.41         88
                                       7.250            975.41
    CHICAGO          IL   60632          2            06/17/02         01
    0434336533                           05           08/01/02         25
    8793390                              O            07/01/32
    0

    7883901          313/G02             F          195,000.00         ZZ
                                         360        194,427.93          1
                                       7.000          1,297.34         49
                                       6.750          1,297.34
    UPLAND           CA   91784          5            06/24/02         00
    0434332029                           05           08/01/02          0
    8770547                              O            07/01/32
    0

    7883905          313/G02             F          126,000.00         ZZ
                                         360        125,802.81          3
                                       7.250            859.55         90
                                       7.000            859.55
    NEW BEDFORD      MA   02746          1            06/27/02         11
    0434339057                           05           08/01/02         25
    8806804                              N            07/01/32
    0
1

    7883909          313/G02             F           32,800.00         ZZ
                                         360         32,748.66          1
                                       7.250            223.76         80
                                       7.000            223.76
    BALTIMORE        MD   21230          5            06/28/02         00
    0434338646                           07           08/01/02          0
    8794505                              N            07/01/32
    0

    7883919          313/G02             F          225,000.00         ZZ
                                         360        224,647.89          3
                                       7.250          1,534.90         69
                                       7.000          1,534.90
    PEABODY          MA   01960          5            07/03/02         00
    0434335253                           05           08/01/02          0
    8777377                              O            07/01/32
    0

    7884025          M37/G02             F           97,520.00         ZZ
                                         360         97,442.02          1
                                       7.125            657.01         80
                                       6.875            657.01
    CHEYENNE         WY   82009          1            07/19/02         00
    0434360061                           05           09/01/02          0
    606677                               O            08/01/32
    0

    7884037          M11/G02             F          128,350.00         ZZ
                                         360        128,247.36          1
                                       7.125            864.72         71
                                       6.875            864.72
    MAGNOLIA         TX   77355          2            07/01/02         00
    0434353827                           03           09/01/02          0
    1770034                              O            08/01/32
    0

    7884069          X31/G02             F           96,000.00         ZZ
                                         360         95,921.31          1
                                       7.000            638.69         80
                                       6.750            638.69
    PALMDALE         CA   93550          1            07/10/02         00
    0434338091                           05           09/01/02          0
    40102904                             O            08/01/32
    0

    7884111          E11/G02             F          168,400.00         ZZ
                                         360        168,261.96          1
1

                                       7.000          1,120.37         80
                                       6.750          1,120.37
    WOODBURY         MN   55125          1            07/19/02         00
    0434354783                           05           09/01/02          0
    0010001044244                        O            08/01/32
    0

    7884183          M66/G02             F          193,500.00         ZZ
                                         360        193,370.16          3
                                       8.000          1,419.84         90
                                       7.750          1,419.84
    PATERSON         NJ   07503          1            07/16/02         11
    0434414348                           05           09/01/02         25
    93500225                             N            08/01/32
    0

    7884361          944/G02             F          192,000.00         ZZ
                                         360        191,822.16          1
                                       6.375          1,197.84         80
                                       6.125          1,197.84
    INDIAN ROCKS BE  FL   33785          1            07/25/02         00
    0434337630                           07           09/01/02          0
    W02023785                            O            08/01/32
    0

    7884531          G34/G02             F          407,920.00         ZZ
                                         360        407,232.64          1
                                       6.875          2,679.74         80
                                       6.625          2,679.74
    FLOWER MOUND     TX   75022          1            06/27/02         00
    0434456091                           03           08/01/02          0
    85204280                             O            07/01/32
    0

    7884655          U05/G02             F          117,000.00         ZZ
                                         360        116,825.80          3
                                       7.500            818.08         90
                                       7.250            818.08
    LAKE WORTH       FL   33460          1            07/03/02         01
    0434349809                           05           08/01/02         25
    3238426                              N            07/01/32
    0

    7884701          758/G02             F          240,000.00         ZZ
                                         360        239,793.36          1
                                       6.750          1,556.64         80
                                       6.500          1,556.64
    HOUSTON          TX   77005          1            07/17/02         00
    0434342390                           05           09/01/02          0
1

    1                                    O            08/01/32
    0

    7884787          286/286             F          168,000.00         ZZ
                                         360        167,887.27          1
                                       8.000          1,232.73         80
                                       7.750          1,232.73
    TUCSON           AZ   85704          1            07/12/02         00
    1395462                              05           09/01/02          0
    1395462                              O            08/01/32
    0

    7885215          964/G02             F          209,600.00         ZZ
                                         360        209,436.49          1
                                       7.250          1,429.84         80
                                       7.000          1,429.84
    SCOTTSDALE       AZ   85258          1            07/01/02         00
    0434355376                           03           09/01/02          0
    203670                               O            08/01/32
    0

    7885233          964/G02             F          182,000.00         ZZ
                                         360        181,850.82          1
                                       7.000          1,210.85         75
                                       6.750          1,210.85
    GEORGETOWN       CA   95634          5            06/30/02         00
    0434355384                           05           09/01/02          0
    218096                               O            08/01/32
    0

    7885237          964/G02             F          171,750.00         ZZ
                                         360        171,602.12          1
                                       6.750          1,113.97         75
                                       6.500          1,113.97
    OAKLAND          CA   94610          1            06/27/02         00
    0434328100                           01           09/01/02          0
    219268                               O            08/01/32
    0

    7885241          964/G02             F          120,000.00         ZZ
                                         360        119,901.64          1
                                       7.000            798.36         73
                                       6.750            798.36
    PORTLAND         OR   97206          2            07/02/02         00
    0434328746                           05           09/01/02          0
    220447                               O            08/01/32
    0

1

    7885243          964/G02             F          195,000.00         ZZ
                                         360        194,646.49          1
                                       6.500          1,232.53         24
                                       6.250          1,232.53
    PLEASANTON       CA   94566          5            06/20/02         00
    0434335113                           05           08/01/02          0
    220593                               O            07/01/32
    0

    7885247          964/G02             F          140,000.00         ZZ
                                         360        139,752.27          1
                                       6.625            896.44         70
                                       6.375            896.44
    BEND             OR   97701          5            07/02/02         00
    0434335238                           05           08/01/02          0
    221346                               O            07/01/32
    0

    7885253          964/G02             F          127,200.00         ZZ
                                         360        127,095.73          1
                                       7.000            846.27         80
                                       6.750            846.27
    LAS VEGAS        NV   89117          1            07/02/02         00
    0434329017                           03           09/01/02          0
    221761                               N            08/01/32
    0

    7885261          964/G02             F          152,000.00         T
                                         360        151,875.41          1
                                       7.000          1,011.26         80
                                       6.750          1,011.26
    LA QUINTA        CA   92253          1            07/08/02         00
    0434353769                           03           09/01/02          0
    222492                               O            08/01/32
    0

    7885285          964/G02             F          165,800.00         ZZ
                                         360        165,540.54          1
                                       7.250          1,131.05         80
                                       7.000          1,131.05
    COOL             CA   95614          2            06/25/02         00
    0434335303                           04           08/01/02          0
    224083                               O            07/01/32
    0

    7885291          964/G02             F          247,000.00         ZZ
                                         360        246,787.34          1
                                       6.750          1,602.04         80
                                       6.500          1,602.04
1

    WALNUT           CA   91789          1            06/28/02         00
    0434329108                           05           09/01/02          0
    224824                               O            08/01/32
    0

    7885297          964/G02             F          250,000.00         ZZ
                                         360        249,779.43          1
                                       6.625          1,600.78         56
                                       6.375          1,600.78
    SAN FRANCISCO    CA   94124          1            07/05/02         00
    0434328324                           05           09/01/02          0
    226166                               O            08/01/32
    0

    7885305          964/G02             F          230,000.00         ZZ
                                         360        229,806.77          1
                                       6.875          1,510.94         75
                                       6.625          1,510.94
    LITTLETON        CO   80127          5            07/05/02         00
    0434330676                           03           09/01/02          0
    227094                               O            08/01/32
    0

    7885613          E22/G02             F           46,395.00         ZZ
                                         360         46,363.07          2
                                       7.875            336.40         90
                                       7.625            336.40
    KANSAS CITY      MO   64126          1            07/26/02         01
    0414307678                           05           09/01/02         25
    0414307678                           N            08/01/32
    0

    7885621          E22/G02             F          156,000.00         ZZ
                                         360        155,872.13          1
                                       7.000          1,037.87         80
                                       6.750          1,037.87
    HOUSTON          TX   77056          5            07/22/02         00
    0414314674                           03           09/01/02          0
    0414314674                           O            08/01/32
    0

    7885627          E22/G02             F          158,400.00         ZZ
                                         360        158,276.43          1
                                       7.250          1,080.57         90
                                       7.000          1,080.57
    EUGENE           OR   97405          1            07/19/02         01
    0414341792                           05           09/01/02         12
    0414341792                           O            08/01/32
    0
1

    7885669          E22/G02             F          164,800.00         ZZ
                                         360        164,661.55          1
                                       6.875          1,082.62         80
                                       6.625          1,082.62
    CITRUS HEIGHTS   CA   95610          1            07/22/02         00
    0414392183                           05           09/01/02          0
    0414392183                           O            08/01/32
    0

    7885675          E22/G02             F          124,300.00         ZZ
                                         360        124,205.42          1
                                       7.375            858.51         55
                                       7.125            858.51
    DADE CITY        FL   33525          2            07/17/02         00
    0414399469                           05           09/01/02          0
    0414399469                           O            08/01/32
    0

    7885691          E22/G02             F          178,200.00         ZZ
                                         360        178,067.75          1
                                       7.500          1,246.00         90
                                       7.250          1,246.00
    NEW BRITAIN      CT   06052          5            07/22/02         04
    0414405654                           05           09/01/02         25
    0414405654                           O            08/01/32
    0

    7885695          E22/G02             F          159,500.00         ZZ
                                         360        159,369.26          1
                                       7.000          1,061.16         94
                                       6.750          1,061.16
    LOVELAND         CO   80538          2            07/22/02         04
    0414407049                           03           09/01/02         30
    0414407049                           O            08/01/32
    0

    7885705          E22/G02             F          191,200.00         ZZ
                                         360        191,043.27          1
                                       7.000          1,272.06         80
                                       6.750          1,272.06
    WATERFORD        MI   48327          1            07/26/02         00
    0414414078                           05           09/01/02          0
    0414414078                           O            08/01/32
    0

    7885711          E22/G02             F           92,000.00         ZZ
                                         360         91,856.03          1
1

                                       7.250            627.60         80
                                       7.000            627.60
    SPRING           TX   77373          2            07/22/02         00
    0414414847                           03           08/01/02          0
    0414414847                           O            07/01/32
    0

    7885729          E22/G02             F          251,000.00         ZZ
                                         360        250,783.90          1
                                       6.750          1,627.98         79
                                       6.500          1,627.98
    FAIRLAWN         NJ   07410          2            07/22/02         00
    0414421750                           05           09/01/02          0
    0414421750                           O            08/01/32
    0

    7885823          E22/G02             F           64,350.00         ZZ
                                         360         64,298.54          1
                                       7.125            433.54         90
                                       6.875            433.54
    DAYTON           OH   45449          1            07/26/02         11
    0414486456                           05           09/01/02         25
    0414486456                           N            08/01/32
    0

    7885829          E22/G02             F          180,000.00         ZZ
                                         360        179,859.58          1
                                       7.250          1,227.92         90
                                       7.000          1,227.92
    AUSTIN           TX   78749          1            07/26/02         01
    0414492454                           03           09/01/02         25
    0414492454                           O            08/01/32
    0

    7885831          E22/G02             F           83,150.00         ZZ
                                         360         83,036.73          1
                                       7.375            574.30         95
                                       7.125            574.30
    KEANSBURG        NJ   07734          1            07/26/02         01
    0414494658                           09           09/01/02         30
    0414494658                           O            08/01/32
    0

    7885839          E22/G02             F          181,900.00         ZZ
                                         360        181,657.39          1
                                       7.875          1,318.90         85
                                       7.625          1,318.90
    MANTECA          CA   95336          5            07/18/02         01
    0414498337                           05           09/01/02         12
1

    0414498337                           O            08/01/32
    0

    7885855          E22/G02             F          158,500.00         ZZ
                                         360        158,376.35          1
                                       7.250          1,081.25         90
                                       7.000          1,081.25
    ANTELOPE         CA   95843          1            07/23/02         01
    0414517482                           05           09/01/02         30
    0414517482                           O            08/01/32
    0

    7885871          E22/G02             F           90,000.00         ZZ
                                         360         89,924.39          1
                                       6.875            591.24         69
                                       6.625            591.24
    VENICE           FL   34292          1            07/26/02         00
    0414538306                           01           09/01/02          0
    0414538306                           O            08/01/32
    0

    7885879          E22/G02             F           50,400.00         ZZ
                                         360         50,358.69          1
                                       7.000            335.31         80
                                       6.750            335.31
    BRIDGEPORT       TX   76426          1            07/26/02         00
    0414554014                           05           09/01/02          0
    0414554014                           N            08/01/32
    0

    7885957          E82/G02             F          137,500.00         ZZ
                                         360        137,390.05          1
                                       7.125            926.36         64
                                       6.875            926.36
    FREEPORT         NY   11520          2            07/22/02         00
    0400644522                           01           09/01/02          0
    0400644522                           O            08/01/32
    0

    7885981          E82/G02             F          255,000.00         ZZ
                                         360        254,780.45          1
                                       6.750          1,653.93         60
                                       6.500          1,653.93
    ARLINGTON        VA   22202          2            07/19/02         00
    0400649182                           05           09/01/02          0
    0400649182                           O            08/01/32
    0

1

    7885991          E82/G02             F           55,300.00         T
                                         360         55,256.86          1
                                       7.250            377.24         48
                                       7.000            377.24
    NEW ORLEANS      LA   70112          2            07/27/02         00
    0400660858                           01           09/01/02          0
    1937105                              O            08/01/32
    0

    7886577          822/G02             F          287,910.00         ZZ
                                         360        287,668.11          4
                                       6.875          1,891.37         90
                                       6.625          1,891.37
    HOLLISTON        MA   01746          1            07/11/02         10
    0434342697                           05           09/01/02         25
    3446028005                           N            08/01/32
    0

    7886579          W39/G02             F          120,000.00         ZZ
                                         360        119,915.30          1
                                       7.750            859.70         80
                                       7.500            859.70
    BASTROP          TX   78602          2            07/19/02         00
    0434350815                           05           09/01/02          0
    PNI20574                             N            08/01/32
    0

    7886617          N47/G02             F          261,000.00         ZZ
                                         360        260,775.29          1
                                       6.750          1,692.84         55
                                       6.500          1,692.84
    SAN RAMON        CA   94583          2            07/15/02         00
    0434351490                           05           09/01/02          0
    20120716                             O            08/01/32
    0

    7886701          P27/G02             F          216,000.00         ZZ
                                         360        215,818.53          1
                                       6.875          1,418.97         90
                                       6.625          1,418.97
    PENSACOLA        FL   32507          2            07/12/02         01
    0434341160                           05           09/01/02         25
    2102420588                           O            08/01/32
    0

    7886747          X82/G02             F          135,000.00         ZZ
                                         360        134,813.59          2
                                       7.875            978.84         90
                                       7.625            978.84
1

    WINCHESTER       VA   22601          1            06/07/02         12
    0434376133                           05           08/01/02         25
    828950                               N            07/01/32
    0

    7886831          L20/G02             F           91,600.00         ZZ
                                         360         91,523.04          1
                                       6.875            601.75         80
                                       6.625            601.75
    BOISE            ID   83704          1            07/23/02         00
    0434342473                           05           09/01/02          0
    707357                               O            08/01/32
    0

    7886901          S54/G02             F          134,000.00         ZZ
                                         360        133,898.03          1
                                       7.375            925.51         79
                                       7.125            925.51
    MT ORAB          OH   45154          5            07/23/02         00
    0434352993                           05           09/01/02          0
    7012538                              O            08/01/32
    0

    7887181          E86/G02             F          230,000.00         ZZ
                                         360        229,824.99          1
                                       7.375          1,588.55         72
                                       7.125          1,588.55
    BROOKLYN         NY   11210          5            06/28/02         00
    0434341129                           05           09/01/02          0
    0000204110                           O            08/01/32
    0

    7887197          E86/G02             F          237,500.00         ZZ
                                         360        237,305.33          1
                                       7.000          1,580.09         78
                                       6.750          1,580.09
    SILVER SPRING    MD   20904          2            07/15/02         00
    0434341657                           03           09/01/02          0
    0000207759                           O            08/01/32
    0

    7887237          S11/G02             F          243,700.00         ZZ
                                         360        243,509.89          1
                                       7.250          1,662.46         75
                                       7.000          1,662.46
    IRVINE           CA   92620          2            07/08/02         00
    0434353082                           01           09/01/02          0
    10208211                             O            08/01/32
    0
1

    7887243          950/G02             F          132,000.00         ZZ
                                         360        131,897.03          1
                                       7.250            900.47         80
                                       7.000            900.47
    TACOMA           WA   98407          1            07/05/02         00
    0434342952                           05           09/01/02          0
    EW206285                             N            08/01/32
    0

    7887297          M27/G02             F          211,000.00         ZZ
                                         360        210,818.34          1
                                       6.750          1,368.54         80
                                       6.500          1,368.54
    WILMINGTON       NC   28411          2            07/24/02         00
    0434352639                           05           09/01/02          0
    600789985                            O            08/01/32
    0

    7887357          U05/G02             F          147,900.00         ZZ
                                         360        147,668.55          1
                                       7.250          1,008.94         80
                                       7.000          1,008.94
    MCHENRY          IL   60050          1            06/24/02         00
    0434451761                           05           08/01/02          0
    3239459                              O            07/01/32
    0

    7887373          U05/G02             F          177,200.00         ZZ
                                         360        176,922.69          1
                                       7.250          1,208.82         71
                                       7.000          1,208.82
    PLANO            TX   75025          5            06/26/02         00
    0434453569                           03           08/01/02          0
    3237036                              O            07/01/32
    0

    7887431          U05/G02             F          135,100.00         ZZ
                                         360        134,989.26          1
                                       7.000            898.82         80
                                       6.750            898.82
    PORTLAND         OR   97215          1            07/02/02         00
    0434344586                           05           09/01/02          0
    3235992                              N            08/01/32
    0

    7887453          U28/G02             F           93,000.00         ZZ
                                         360         92,919.93          1
1

                                       6.750            603.20         35
                                       6.500            603.20
    MARIETTA         GA   30068          5            07/24/02         00
    0434353108                           05           09/01/02          0
    2000003865                           O            08/01/32
    0

    7887547          B49/G02             F          196,000.00         ZZ
                                         360        195,839.33          1
                                       7.000          1,304.00         80
                                       6.750          1,304.00
    LONGMONT         CO   80503          5            07/19/02         00
    0434345633                           05           09/01/02          0
    00251831202                          O            08/01/32
    0

    7888245          J95/G02             F          135,000.00         ZZ
                                         360        134,772.53          1
                                       6.875            886.85         42
                                       6.625            886.85
    BLACKSTONE       MA   01504          1            06/27/02         00
    0434340907                           05           08/01/02          0
    0029183878                           O            07/01/32
    0

    7888261          J95/G02             F          204,800.00         ZZ
                                         360        204,627.93          1
                                       6.875          1,345.40         80
                                       6.625          1,345.40
    GREENSBORO       NC   27410          1            07/19/02         00
    0434341392                           05           09/01/02          0
    0029269545                           O            08/01/32
    0

    7888387          E22/G02             F          138,000.00         ZZ
                                         360        137,884.07          1
                                       6.875            906.56         90
                                       6.625            906.56
    KALISPELL        MT   59901          1            07/29/02         01
    0414194993                           05           09/01/02         30
    0414194993                           O            08/01/32
    0

    7888407          E22/G02             F          141,000.00         ZZ
                                         360        140,878.57          1
                                       7.000            938.08         75
                                       6.750            938.08
    AURORA           CO   80011          2            07/24/02         00
    0414269829                           05           09/01/02          0
1

    0414269829                           O            08/01/32
    0

    7888489          E22/G02             F           89,000.00         ZZ
                                         360         88,932.28          1
                                       7.375            614.70         76
                                       7.125            614.70
    SANTA FE         NM   87505          1            07/29/02         00
    0414402586                           29           09/01/02          0
    0414402586                           N            08/01/32
    0

    7888501          E22/G02             F          126,400.00         ZZ
                                         360        126,306.19          1
                                       7.500            883.81         80
                                       7.250            883.81
    GREENWOOD        IN   46142          5            07/24/02         00
    0414417816                           05           09/01/02          0
    0414417816                           O            08/01/32
    0

    7888523          E22/G02             F          152,950.00         ZZ
                                         360        152,821.51          1
                                       6.875          1,004.77         80
                                       6.625          1,004.77
    SILVER SPRING    MD   20906          1            07/29/00         00
    0414429076                           05           09/01/02          0
    0414429076                           O            08/01/32
    0

    7888567          E22/G02             F          139,500.00         ZZ
                                         360        139,391.17          4
                                       7.250            951.64         90
                                       7.000            951.64
    RIO RANCHO       NM   87124          1            07/24/02         04
    0414440560                           05           09/01/02         25
    0414440560                           N            08/01/32
    0

    7888573          E22/G02             F          137,455.00         ZZ
                                         360        137,333.73          1
                                       6.625            880.14         95
                                       6.375            880.14
    MIRAMAR          FL   33027          1            07/29/02         04
    0414441964                           01           09/01/02         30
    0414441964                           O            08/01/32
    0

1

    7888601          E22/G02             F          241,000.00         ZZ
                                         360        240,792.51          1
                                       6.750          1,563.12         75
                                       6.500          1,563.12
    OAKLAND          CA   94619          5            07/17/02         00
    0414457846                           05           09/01/02          0
    0414457846                           O            08/01/32
    0

    7888625          E22/G02             F          126,000.00         ZZ
                                         360        125,913.29          1
                                       7.875            913.59         84
                                       7.625            913.59
    ORLANDO          FL   32817          5            07/24/02         01
    0414481846                           05           09/01/02         12
    0414481846                           O            08/01/32
    0

    7888639          E22/G02             F           75,500.00         ZZ
                                         360         75,436.57          1
                                       6.875            495.98         54
                                       6.625            495.98
    GRAND JUNCTION   CO   81501          5            07/23/02         00
    0414489849                           05           09/01/02          0
    0414489849                           O            08/01/32
    0

    7888661          E22/G02             F          123,300.00         ZZ
                                         360        123,203.82          1
                                       7.250            841.12         90
                                       7.000            841.12
    MI WUK VILLAGE   CA   95346          5            07/19/02         01
    0414504027                           05           09/01/02         25
    0414504027                           O            08/01/32
    0

    7888673          E22/G02             F          177,300.00         ZZ
                                         360        177,171.67          1
                                       7.625          1,254.92         90
                                       7.375          1,254.92
    PLANO            TX   75093          1            07/29/02         10
    0414506618                           05           09/01/02         25
    0414506618                           O            08/01/32
    0

    7888679          E22/G02             F          185,250.00         ZZ
                                         360        185,101.86          1
                                       7.125          1,248.06         95
                                       6.875          1,248.06
1

    CAROL STREAM     IL   60188          5            07/24/02         11
    0414511543                           05           09/01/02         30
    0414511543                           O            08/01/32
    0

    7888687          E22/G02             F          186,000.00         ZZ
                                         360        185,843.74          1
                                       6.875          1,221.89         75
                                       6.625          1,221.89
    HIGHLANDS RANCH  CO   80129          5            07/24/02         00
    0414516179                           03           09/01/02          0
    0414516179                           O            08/01/32
    0

    7888711          E22/G02             F          149,600.00         ZZ
                                         360        149,474.31          1
                                       6.875            982.77         80
                                       6.625            982.77
    ALEXANDRIA       VA   22307          1            07/30/02         00
    0414543256                           01           09/01/02          0
    0414543256                           O            08/01/32
    0

    7888751          E82/G02             F           93,900.00         ZZ
                                         360         93,819.16          1
                                       6.750            609.03         55
                                       6.500            609.03
    BREMERTON        WA   98311          2            07/23/02         00
    0400654471                           05           09/01/02          0
    1978826                              O            08/01/32
    0

    7888757          E82/G02             F           97,000.00         ZZ
                                         360         96,916.49          1
                                       6.750            629.14         78
                                       6.500            629.14
    TURLOCK          CA   95380          2            07/26/02         00
    0400664009                           05           09/01/02          0
    4087495                              O            08/01/32
    0

    7888773          E82/G02             F          149,000.00         ZZ
                                         360        148,883.77          1
                                       7.250          1,016.44         80
                                       7.000          1,016.44
    MARTINSVILLE     IN   46151          2            07/26/02         00
    0400639654                           05           09/01/02          0
    5211240                              O            08/01/32
    0
1

    7888779          E82/G02             F           98,000.00         ZZ
                                         360         97,919.67          1
                                       7.000            652.00         64
                                       6.750            652.00
    DOVER            DE   19901          2            07/24/02         00
    0400662573                           05           09/01/02          0
    3085362                              O            08/01/32
    0

    7888785          E82/G02             F          166,200.00         ZZ
                                         360        166,056.91          1
                                       6.750          1,077.97         70
                                       6.500          1,077.97
    DINGMANS FERRY   PA   18328          2            07/23/02         00
    0400636593                           05           09/01/02          0
    0400636593                           O            08/01/32
    0

    7888793          E82/G02             F          160,000.00         ZZ
                                         360        159,868.85          1
                                       7.000          1,064.48         59
                                       6.750          1,064.48
    MALAD CITY       ID   83252          2            07/22/02         00
    0400647533                           05           09/01/02          0
    0400647533                           O            08/01/32
    0

    7888797          E82/G02             F          125,600.00         ZZ
                                         360        125,509.09          1
                                       7.625            888.99         79
                                       7.375            888.99
    LAKE MARY        FL   32746          1            07/29/02         00
    0400660015                           05           09/01/02          0
    0400660015                           N            08/01/32
    0

    7888801          E82/G02             F          203,000.00         ZZ
                                         360        202,833.61          1
                                       7.000          1,350.56         73
                                       6.750          1,350.56
    NEW ORLEANS      LA   70124          2            07/24/00         00
    0400641270                           05           09/01/02          0
    0400641270                           O            08/01/32
    0

    7888829          E82/G02             F          140,300.00         ZZ
                                         360        140,190.56          1
1

                                       7.250            957.09         73
                                       7.000            957.09
    LAKE OSWEGO      OR   97034          5            07/26/02         00
    0400655403                           03           09/01/02          0
    0400655403                           O            08/01/32
    0

    7888833          E82/G02             F          137,600.00         ZZ
                                         360        137,487.21          1
                                       7.000            915.46         56
                                       6.750            915.46
    DECATUR          GA   30033          2            07/22/02         00
    0400650552                           01           09/01/02          0
    0400650552                           O            08/01/32
    0

    7888851          E82/G02             F          171,900.00         ZZ
                                         360        171,759.10          1
                                       7.000          1,143.65         64
                                       6.750          1,143.65
    DEERFIELD        IL   60015          2            07/26/02         00
    0400669057                           05           09/01/02          0
    4824110                              O            08/01/32
    0

    7888871          E82/G02             F          164,300.00         ZZ
                                         360        164,158.54          1
                                       6.750          1,065.65         71
                                       6.500          1,065.65
    APEX             NC   27502          2            07/25/02         00
    0400669776                           05           09/01/02          0
    1711250                              O            08/01/32
    0

    7888905          E82/G02             F          114,000.00         ZZ
                                         360        113,919.54          1
                                       7.750            816.71         94
                                       7.500            816.71
    LITHONIA         GA   30058          5            07/26/02         04
    0400655171                           05           09/01/02         30
    0400655171                           O            08/01/32
    0

    7888927          E82/G02             F          122,100.00         ZZ
                                         360        121,997.42          1
                                       6.875            802.11         78
                                       6.625            802.11
    CARPENTERSVILLE  IL   60110          2            07/26/02         00
    0400665360                           05           09/01/02          0
1

    3166690                              O            08/01/32
    0

    7888931          E82/G02             F          160,900.00         ZZ
                                         360        160,764.82          1
                                       6.875          1,057.00         72
                                       6.625          1,057.00
    SHREVEPORT       LA   71106          2            07/26/02         00
    0400657433                           05           09/01/02          0
    1823911                              O            08/01/32
    0

    7888937          E82/G02             F          103,000.00         ZZ
                                         360        102,913.46          1
                                       6.875            676.64         59
                                       6.625            676.64
    WEST LAFAYETTE   IN   47906          2            07/26/02         00
    0400663829                           05           09/01/02          0
    0400663829                           O            08/01/32
    0

    7888955          E82/G02             F           92,650.00         ZZ
                                         360         92,577.72          1
                                       7.250            632.04         50
                                       7.000            632.04
    BRECKENRIDGE     CO   80424          2            07/24/02         00
    0400653226                           01           09/01/02          0
    1513256                              N            08/01/32
    0

    7888963          E82/G02             F          225,000.00         ZZ
                                         360        224,824.48          1
                                       7.250          1,534.90         57
                                       7.000          1,534.90
    OCEAN TOWNSHIP   NJ   07711          5            07/22/02         00
    0400652558                           05           09/01/02          0
    0400652558                           O            08/01/32
    0

    7888967          E82/G02             F          101,000.00         ZZ
                                         360        100,913.05          1
                                       6.750            655.08         54
                                       6.500            655.08
    WEST COVINA      CA   91792          2            07/26/02         00
    0400665659                           05           09/01/02          0
    1928598                              O            08/01/32
    0

1

    7888983          E82/G02             F          160,000.00         ZZ
                                         360        159,865.58          1
                                       6.875          1,051.09         77
                                       6.625          1,051.09
    DOUGLASVILLE     GA   30134          2            07/26/02         00
    0400656328                           05           09/01/02          0
    0400656328                           O            08/01/32
    0

    7889027          E82/G02             F           94,700.00         ZZ
                                         360         94,622.38          1
                                       7.000            630.04         62
                                       6.750            630.04
    COLORADO SPRING  CO   80918          2            07/18/02         00
    0400647491                           03           09/01/02          0
    1607142                              N            08/01/32
    0

    7889041          E82/G02             F           93,300.00         ZZ
                                         360         93,146.52          1
                                       7.000            620.73         66
                                       6.750            620.73
    GREENSBORO       NC   27406          2            07/25/02         00
    0400658183                           05           09/01/02          0
    1884679                              O            08/01/32
    0

    7889611          P67/G02             F          240,000.00         ZZ
                                         360        239,800.00          3
                                       7.000          1,596.73         80
                                       6.750          1,596.73
    CLINTON          MA   01510          5            07/22/02         00
    0434355236                           05           09/01/02          0
    B52                                  O            08/01/32
    0

    7889613          L76/G02             F          130,000.00         ZZ
                                         360        129,882.48          1
                                       6.500            821.69         90
                                       6.250            821.69
    FARIBAULT        MN   55021          5            07/24/02         11
    0434348348                           05           09/01/02         25
    9506948                              O            08/01/32
    0

    7889615          L76/G02             F           98,350.00         ZZ
                                         360         98,265.32          1
                                       6.750            637.90         80
                                       6.500            637.90
1

    KANSAS CITY      MO   64137          5            07/24/02         00
    0434349221                           05           09/01/02          0
    9506799                              O            08/01/32
    0

    7889693          998/998             F          119,200.00         ZZ
                                         360        118,763.12          1
                                       7.625            843.69         80
                                       7.375            843.69
    VERNON           MI   48476          1            03/25/02         00
    3844377                              05           05/01/02          0
    3844377                              O            04/01/32
    0

    7889697          998/998             F          130,500.00         ZZ
                                         360        130,305.71          1
                                       7.500            912.47         90
                                       7.250            912.47
    ROME             NY   13440          5            06/14/02         11
    4699043                              05           08/01/02         25
    4699043                              O            07/01/32
    0

    7889703          998/998             F          100,170.00         ZZ
                                         360        100,024.54          3
                                       7.625            709.00         90
                                       7.375            709.00
    NEWBURGH         NY   12550          1            06/17/02         10
    4769397                              05           08/01/02         25
    4769397                              O            07/01/32
    0

    7889707          998/998             F          197,600.00         ZZ
                                         360        197,298.37          1
                                       7.375          1,364.77         80
                                       7.125          1,364.77
    DES PLAINES      IL   60018          1            06/07/02         00
    4861123                              05           08/01/02          0
    4861123                              O            07/01/32
    0

    7889711          998/998             F          166,950.00         ZZ
                                         360        166,707.57          4
                                       7.625          1,181.66         90
                                       7.375          1,181.66
    PHILADELPHIA     PA   19147          1            06/20/02         11
    4945787                              05           08/01/02         25
    4945787                              N            07/01/32
    0
1

    7889713          998/998             F          166,950.00         ZZ
                                         360        166,707.57          4
                                       7.625          1,181.66         90
                                       7.375          1,181.66
    PHILADELPHIA     PA   19147          1            06/20/02         10
    4945807                              05           08/01/02         25
    4945807                              N            07/01/32
    0

    7889715          998/998             F          170,010.00         ZZ
                                         360        169,763.12          4
                                       7.625          1,203.32         90
                                       7.375          1,203.32
    PHILADELPHIA     PA   19147          1            06/20/02         10
    4945817                              05           08/01/02         25
    4945817                              N            07/01/32
    0

    7889891          P01/G02             F           94,500.00         ZZ
                                         360         94,426.28          2
                                       7.250            644.66         90
                                       7.000            644.66
    WALDEN           NY   12586          1            07/18/02         04
    0434346391                           05           09/01/02         25
    02001721                             N            08/01/32
    0

    7889895          883/G02             F          192,800.00         ZZ
                                         360        192,634.00          1
                                       6.750          1,250.50         80
                                       6.500          1,250.50
    WEST CAPE CORAL  FL   33993          4            07/24/02         00
    0434346433                           05           09/01/02          0
    05012824                             O            08/01/32
    0

    7889933          A52/G02             F          160,245.00         ZZ
                                         360        160,129.02          1
                                       7.625          1,134.20         90
                                       7.375          1,134.20
    MARIETTA         GA   30064          5            07/25/02         11
    0434339917                           03           09/01/02         30
    19862                                O            08/01/32
    0

    7889973          W30/G02             F          336,000.00         ZZ
                                         360        335,731.31          3
1

                                       7.125          2,263.69         80
                                       6.875          2,263.69
    QUINCY           MA   02169          5            07/12/02         00
    0434446209                           05           09/01/02          0
    02070073                             O            08/01/32
    0

    7889977          A52/G02             F           92,000.00         ZZ
                                         360         91,702.09          1
                                       6.500            581.50         77
                                       6.250            581.50
    LITHONIA         GA   30058          2            07/23/02         00
    0434340980                           05           09/01/02          0
    19508                                O            08/01/32
    0

    7890253          M27/G02             F          130,500.00         ZZ
                                         360        130,403.16          1
                                       7.500            912.47         90
                                       7.250            912.47
    MT. JULIET       TN   37122          1            07/22/02         01
    0434362141                           05           09/01/02         25
    5000112004                           O            08/01/32
    0

    7890331          J40/G02             F          179,200.00         ZZ
                                         360        179,060.21          1
                                       7.250          1,222.46         80
                                       7.000          1,222.46
    RINCON           GA   31326          5            06/28/02         00
    0434343075                           05           09/01/02          0
    7748364                              O            08/01/32
    0

    7890411          X08/G02             F          181,600.00         ZZ
                                         360        181,447.44          1
                                       6.875          1,192.98         80
                                       6.625          1,192.98
    SALT LAKE CITY   UT   84109          1            07/12/02         00
    0434354114                           05           09/01/02          0
    6010113                              O            08/01/32
    0

    7890451          783/G02             F          119,700.00         ZZ
                                         360        119,596.93          1
                                       6.750            776.38         90
                                       6.500            776.38
    ELLENSBURG       WA   98926          1            07/24/02         12
    0434355087                           05           09/01/02         25
1

    9429990070                           O            08/01/32
    0

    7890497          N47/G02             F          168,000.00         ZZ
                                         360        167,844.40          1
                                       6.375          1,048.10         80
                                       6.125          1,048.10
    ROSEVILLE        CA   95678          1            07/19/02         00
    0434342606                           05           09/01/02          0
    20221048                             O            08/01/32
    0

    7890577          N47/G02             F          124,000.00         ZZ
                                         360        123,900.84          1
                                       7.125            835.41         80
                                       6.875            835.41
    CHICO            CA   95926          1            07/18/02         00
    0434342861                           05           09/01/02          0
    20120697                             N            08/01/32
    0

    7891023          N74/G02             F          166,400.00         ZZ
                                         360        166,260.20          1
                                       6.875          1,093.13         80
                                       6.625          1,093.13
    SPRING           TX   77379          5            07/26/02         00
    0434349874                           03           09/01/02          0
    0030503010                           O            08/01/32
    0

    7891615          X67/G02             F          166,500.00         ZZ
                                         360        166,376.44          2
                                       7.500          1,164.19         90
                                       7.250          1,164.19
    AMHERST          NH   03031          1            07/15/02         11
    0434361630                           07           09/01/02         25
    00240695                             N            08/01/32
    0

    7891653          G34/G02             F          155,000.00         ZZ
                                         360        154,879.09          1
                                       7.250          1,057.37         80
                                       7.000          1,057.37
    KRUM             TX   76249          1            07/18/02         00
    0434357117                           05           09/01/02          0
    85204385                             O            08/01/32
    0

1

    7891811          K31/G02             F          117,600.00         ZZ
                                         360        117,517.00          2
                                       7.750            842.50         70
                                       7.500            842.50
    LILBURN          GA   30047          5            07/22/02         00
    0434347118                           05           09/01/02          0
    601435                               N            08/01/32
    0

    7892135          E22/G02             F          209,000.00         ZZ
                                         360        208,824.42          1
                                       6.875          1,372.98         95
                                       6.625          1,372.98
    GARDENA          CA   90247          1            07/21/02         04
    0414281709                           05           09/01/02         30
    0414281709                           O            08/01/32
    0

    7892143          E22/G02             F          178,500.00         ZZ
                                         360        178,353.69          1
                                       7.000          1,187.56         86
                                       6.750          1,187.56
    MIAMI            FL   33196          1            07/30/02         01
    0414304675                           05           09/01/02         12
    0414304675                           O            08/01/32
    0

    7892151          E22/G02             F          120,000.00         ZZ
                                         360        119,888.86          1
                                       6.375            748.64         73
                                       6.125            748.64
    OTIS             CO   80743          2            07/25/02         00
    0414310292                           05           09/01/02          0
    0414310292                           O            08/01/32
    0

    7892159          E22/G02             F          123,400.00         ZZ
                                         360        123,298.85          1
                                       7.000            820.98         85
                                       6.750            820.98
    DAVISON          MI   48423          1            07/30/02         01
    0414334367                           05           09/01/02         12
    0414334367                           O            08/01/32
    0

    7892167          E22/G02             F           70,400.00         ZZ
                                         360         70,305.21          1
                                       8.000            516.57         80
                                       7.750            516.57
1

    HOMESTEAD        FL   33033          1            06/27/02         00
    0414344697                           09           08/01/02          0
    0414344697                           N            07/01/32
    0

    7892215          E22/G02             F          215,200.00         ZZ
                                         360        215,040.29          3
                                       7.500          1,504.71         79
                                       7.250          1,504.71
    HUNTINGTON PARK  CA   90255          2            07/23/02         00
    0414394981                           05           09/01/02          0
    0414394981                           O            08/01/32
    0

    7892223          E22/G02             F           83,600.00         ZZ
                                         360         83,531.48          1
                                       7.000            556.19         80
                                       6.750            556.19
    DURANGO          CO   81301          1            07/30/02         00
    0414398578                           01           09/01/02          0
    0414398578                           N            08/01/32
    0

    7892261          E22/G02             F          124,000.00         ZZ
                                         360        123,907.97          1
                                       7.500            867.03         72
                                       7.250            867.03
    COLORADO SPRING  CO   80911          5            07/25/02         00
    0414428797                           05           09/01/02          0
    0414428797                           O            08/01/32
    0

    7892275          E22/G02             F          162,000.00         ZZ
                                         360        161,860.52          1
                                       6.750          1,050.73         63
                                       6.500          1,050.73
    PARADISE         CA   95969          2            07/16/02         00
    0414434373                           05           09/01/02          0
    0414434373                           O            08/01/32
    0

    7892297          E22/G02             F          162,000.00         ZZ
                                         360        161,876.73          2
                                       7.375          1,118.89         90
                                       7.125          1,118.89
    MCHENRY          IL   60050          1            07/29/02         11
    0414449124                           05           09/01/02         25
    0414449124                           N            08/01/32
    0
1

    7892349          E22/G02             F          153,600.00         ZZ
                                         360        153,467.75          1
                                       6.750            996.25         80
                                       6.500            996.25
    TUCSON           AZ   85704          5            07/24/02         00
    0414475137                           05           09/01/02          0
    0414475137                           O            08/01/32
    0

    7892351          E22/G02             F          208,800.00         ZZ
                                         360        208,641.12          1
                                       7.375          1,442.13         80
                                       7.125          1,442.13
    ESTACADA         OR   97203          2            07/24/02         00
    0414475384                           05           09/01/02          0
    0414475384                           O            08/01/32
    0

    7892383          E22/G02             F           68,000.00         ZZ
                                         360         67,946.95          1
                                       7.250            463.88         80
                                       7.000            463.88
    VERO BEACH       FL   32962          1            07/30/02         00
    0414489328                           05           09/01/02          0
    0414489328                           N            08/01/32
    0

    7892387          E22/G02             F          153,000.00         ZZ
                                         360        152,865.01          1
                                       6.625            979.68         63
                                       6.375            979.68
    BOISE            ID   83709          1            07/26/02         00
    0414491837                           03           09/01/02          0
    0414491837                           O            08/01/32
    0

    7892395          E22/G02             F          156,700.00         ZZ
                                         360        156,580.76          1
                                       7.375          1,082.29         95
                                       7.125          1,082.29
    RANCHO CUCAMONG  CA   91701          5            07/25/02         11
    0414494898                           09           09/01/02         30
    0414494898                           O            08/01/32
    0

    7892405          E22/G02             F          173,472.00         E
                                         360        173,336.68          1
1

                                       7.250          1,183.38         80
                                       7.000          1,183.38
    VERO BEACH       FL   32962          1            07/30/02         00
    0414498022                           03           09/01/02          0
    0414498022                           N            08/01/32
    0

    7892423          E22/G02             F          161,200.00         E
                                         360        161,074.25          1
                                       7.250          1,099.67         80
                                       7.000          1,099.67
    VERO BEACH       FL   32962          1            07/30/02         00
    0414506865                           03           09/01/02          0
    0414506865                           N            08/01/32
    0

    7892433          E22/G02             F          186,500.00         ZZ
                                         360        186,347.13          1
                                       7.000          1,240.79         75
                                       6.750          1,240.79
    LANSING          MI   48906          2            07/25/02         00
    0414508077                           05           09/01/02          0
    0414508077                           O            08/01/32
    0

    7892463          E22/G02             F          115,110.00         ZZ
                                         360        115,020.21          1
                                       7.250            785.25         90
                                       7.000            785.25
    BRANDON          FL   33511          1            07/30/02         01
    0414535773                           03           09/01/02         25
    0414535773                           N            08/01/32
    0

    7892465          E22/G02             F          103,920.00         ZZ
                                         360        103,834.82          1
                                       7.000            691.38         80
                                       6.750            691.38
    EUGENE           OR   97404          1            07/24/02         00
    0414537688                           05           09/01/02          0
    0414537688                           N            08/01/32
    0

    7892473          E22/G02             F          180,000.00         ZZ
                                         360        179,866.41          1
                                       7.500          1,258.59         80
                                       7.250          1,258.59
    FRISCO           TX   75035          5            07/25/02         00
    0414541771                           03           09/01/02          0
1

    0414541771                           O            08/01/32
    0

    7892503          E22/G02             F           62,400.00         ZZ
                                         360         62,319.15          1
                                       7.750            447.04         80
                                       7.500            447.04
    DENVER           CO   80231          1            07/30/02         00
    0414565036                           01           09/01/02          0
    0414565036                           N            08/01/32
    0

    7892509          E22/G02             F          168,000.00         ZZ
                                         360        167,844.40          2
                                       6.375          1,048.10         80
                                       6.125          1,048.10
    EUGENE           OR   97408          1            07/25/02         00
    0414591917                           05           09/01/02          0
    0414591917                           N            08/01/32
    0

    7892533          E82/G02             F           67,000.00         ZZ
                                         360         66,947.73          1
                                       7.250            457.06         60
                                       7.000            457.06
    JONESBORO        GA   30238          2            07/29/02         00
    0400666434                           05           09/01/02          0
    1603126                              N            08/01/32
    0

    7892635          X05/G02             F          312,000.00         ZZ
                                         360        311,768.45          3
                                       7.500          2,181.55         80
                                       7.250          2,181.55
    NATIONAL CITY    CA   91950          1            07/19/02         00
    0434461455                           05           09/01/02          0
    01207096                             N            08/01/32
    0

    7892701          U05/G02             F          130,400.00         ZZ
                                         360        130,205.84          1
                                       7.500            911.78         80
                                       7.250            911.78
    THE WOODLANDS    TX   77381          2            06/27/02         00
    0434352225                           03           08/01/02          0
    3239901                              O            07/01/32
    0

1

    7892703          952/G02             F          216,400.00         ZZ
                                         360        216,222.62          1
                                       7.000          1,439.71         79
                                       6.750          1,439.71
    VALRICO          FL   33594          1            07/26/02         00
    0434344651                           03           09/01/02          0
    20027839                             O            08/01/32
    0

    7892821          737/G02             F          112,500.00         ZZ
                                         360        112,420.60          1
                                       7.750            805.96         71
                                       7.500            805.96
    ATLANTA          GA   30337          5            07/25/02         00
    0434340451                           05           09/01/02          0
    2072299                              N            08/01/32
    0

    7892837          E86/G02             F          170,000.00         ZZ
                                         360        169,791.67          1
                                       7.000          1,131.01         46
                                       6.750          1,131.01
    AUBURN           NH   03032          1            07/23/02         00
    0434358669                           05           09/01/02          0
    0000203242                           O            08/01/32
    0

    7892913          696/G02             F          160,000.00         ZZ
                                         360        159,868.85          1
                                       7.000          1,064.48         31
                                       6.750          1,064.48
    VIENNA           VA   22182          2            07/26/02         00
    0434343646                           03           09/01/02          0
    30102094                             O            08/01/32
    0

    7893093          642/G02             F           91,949.00         ZZ
                                         360         91,875.47          1
                                       7.125            619.48         80
                                       6.875            619.48
    TAMARAC          FL   33321          2            07/25/02         00
    0434366357                           05           09/01/02          0
    07102402                             O            08/01/32
    0

    7893181          P44/G02             F          186,400.00         ZZ
                                         360        186,243.40          1
                                       6.875          1,224.52         80
                                       6.625          1,224.52
1

    BROCKTON         MA   02301          5            07/26/02         00
    0434347373                           05           09/01/02          0
    1                                    O            08/01/32
    0

    7893259          E76/G02             F          189,900.00         ZZ
                                         360        189,732.46          1
                                       6.625          1,215.95         80
                                       6.375          1,215.95
    LITTLETON        CO   80127          1            07/29/02         00
    0434353074                           05           09/01/02          0
    10015285                             O            08/01/32
    0

    7893539          B57/G02             F           89,000.00         ZZ
                                         360         88,938.75          4
                                       7.875            645.31         81
                                       7.625            645.31
    BUCKEYE          AZ   85326          2            07/23/02         14
    0434367280                           05           09/01/02         12
    20000448                             N            08/01/32
    0

    7893615          T44/G02             F           89,010.00         ZZ
                                         360         88,943.94          1
                                       7.500            622.37         90
                                       7.250            622.37
    PAHRUMP          NV   89048          1            07/17/02         04
    0434393369                           05           09/01/02         25
    1047718                              O            08/01/32
    0

    7893851          K15/G02             F          120,000.00         ZZ
                                         360        119,910.94          1
                                       7.500            839.06         80
                                       7.250            839.06
    AURORA           OH   44202          5            07/22/02         00
    0434343430                           05           09/01/02          0
    028605500463                         N            08/01/32
    0

    7893937          N47/G02             F          168,450.00         ZZ
                                         360        168,311.92          1
                                       7.000          1,120.70         85
                                       6.750          1,120.70
    CANTON           GA   30114          1            07/18/02         12
    0434355657                           05           09/01/02         25
    40121123                             O            08/01/32
    0
1

    7894095          K15/G02             F           94,500.00         ZZ
                                         360         94,433.30          1
                                       7.750            677.01         90
                                       7.500            677.01
    ALBION           MI   49224          5            07/26/02         11
    0434342440                           05           09/01/02         25
    036305306924                         O            08/01/32
    0

    7894115          K15/G02             F          115,900.00         ZZ
                                         360        115,818.20          2
                                       7.750            830.32         95
                                       7.500            830.32
    CHICOPEE         MA   01013          5            07/26/02         11
    0434403226                           05           09/01/02         30
    037805315866                         O            08/01/32
    0

    7895323          B76/G02             F           96,200.00         ZZ
                                         360         96,132.10          3
                                       7.750            689.19         90
                                       7.500            689.19
    LANSING          MI   48910          1            07/23/02         10
    0434369849                           05           09/01/02         25
    0004487971                           N            08/01/32
    0

    7895691          E11/G02             F          131,550.00         ZZ
                                         360        131,449.90          1
                                       7.375            908.58         80
                                       7.125            908.58
    PLYMOUTH         MN   55446          1            07/26/02         00
    0434394441                           01           09/01/02          0
    000200146105                         N            08/01/32
    0

    7895773          M66/G02             F          213,300.00         ZZ
                                         360        213,153.20          1
                                       7.875          1,546.58         90
                                       7.625          1,546.58
    EVESHAM TOWNSHI  NJ   08053          1            07/08/02         11
    0434357901                           05           09/01/02         25
    1022000527                           O            08/01/32
    0

    7897557          E22/G02             F          137,750.00         ZZ
                                         360        137,639.84          1
1

                                       7.125            928.05         95
                                       6.875            928.05
    HUNTERSVILLE     NC   28078          2            07/26/00         10
    0414064519                           01           09/01/02         30
    0414064519                           O            08/01/32
    0

    7897571          E22/G02             F          120,000.00         ZZ
                                         360        119,904.04          1
                                       7.125            808.46         58
                                       6.875            808.46
    MIRAMAR          FL   33027          1            07/31/02         00
    0414183715                           03           09/01/02          0
    0414183715                           O            08/01/32
    0

    7897585          E22/G02             F           60,000.00         ZZ
                                         360         59,952.02          1
                                       7.125            404.23         32
                                       6.875            404.23
    WHITTIER         NC   28789          5            07/26/02         00
    0414217018                           05           09/01/02          0
    0414217018                           O            08/01/32
    0

    7897621          E22/G02             F          165,000.00         ZZ
                                         360        164,874.45          1
                                       7.375          1,139.61         76
                                       7.125          1,139.61
    MCKINNEY         TX   75071          5            07/25/02         00
    0414302760                           05           09/01/02          0
    0414302760                           O            08/01/32
    0

    7897647          E22/G02             F          161,910.00         ZZ
                                         360        161,795.73          1
                                       7.750          1,159.94         90
                                       7.500          1,159.94
    DAYTON           OH   45427          1            07/31/02         04
    0414332627                           05           09/01/02         30
    0414332627                           O            08/01/32
    0

    7897653          E22/G02             F          119,900.00         ZZ
                                         360        119,817.48          1
                                       7.875            869.36         80
                                       7.625            869.36
    LIBERTY          KY   42539          5            07/26/02         00
    0414339192                           05           09/01/02          0
1

    0414339192                           O            08/01/32
    0

    7897655          E22/G02             F          120,600.00         ZZ
                                         360        120,517.01          4
                                       7.875            874.43         90
                                       7.625            874.43
    GRETNA           LA   70056          1            07/31/02         01
    0414339317                           05           09/01/02         25
    0414339317                           N            08/01/32
    0

    7897683          E22/G02             F          170,000.00         ZZ
                                         360        169,876.96          1
                                       7.625          1,203.25         85
                                       7.375          1,203.25
    ORLANDO          FL   32812          5            07/26/02         01
    0414370858                           05           09/01/02         12
    0414370858                           O            08/01/32
    0

    7897689          E22/G02             F          130,160.00         ZZ
                                         360        130,045.16          1
                                       6.625            833.43         80
                                       6.375            833.43
    FRISCO           TX   75035          1            07/31/02         00
    0414374231                           03           09/01/02          0
    0414374231                           O            08/01/32
    0

    7897731          E22/G02             F          224,000.00         ZZ
                                         360        223,811.81          1
                                       6.875          1,471.52         80
                                       6.625          1,471.52
    LAKEWOOD         CA   90712          5            07/26/02         00
    0414404350                           05           09/01/02          0
    0414404350                           O            08/01/32
    0

    7897733          E22/G02             F           59,200.00         ZZ
                                         360         59,151.47          1
                                       7.000            393.86         80
                                       6.750            393.86
    MILLVILLE        NJ   08332          1            07/31/02         00
    0414404871                           05           09/01/02          0
    0414404871                           O            08/01/32
    0

1

    7897749          E22/G02             F          163,200.00         ZZ
                                         360        163,062.89          1
                                       6.875          1,072.11         80
                                       6.625          1,072.11
    SALT LAKE CITY   UT   84108          5            07/16/02         00
    0414416222                           05           09/01/02          0
    0414416222                           O            08/01/32
    0

    7897771          E22/G02             F           96,000.00         ZZ
                                         360         95,925.11          1
                                       7.250            654.89         80
                                       7.000            654.89
    MIAMI            FL   33175          1            07/31/02         00
    0414427328                           01           09/01/02          0
    0414427328                           O            08/01/32
    0

    7897787          E22/G02             F          209,600.00         ZZ
                                         360        209,432.39          1
                                       7.125          1,412.11         80
                                       6.875          1,412.11
    DISCOVERY BAY    CA   94514          1            07/13/02         00
    0414435925                           05           09/01/02          0
    0414435925                           N            08/01/32
    0

    7897845          E22/G02             F          109,250.00         ZZ
                                         360        109,172.89          1
                                       7.750            782.68         94
                                       7.500            782.68
    IRONDALE         AL   35210          5            07/26/02         10
    0414452763                           05           09/01/02         30
    0414452763                           O            08/01/32
    0

    7897865          E22/G02             F          221,250.00         ZZ
                                         360        221,064.12          1
                                       6.875          1,453.46         74
                                       6.625          1,453.46
    DENVER           CO   80209          5            07/26/02         00
    0414459933                           05           09/01/02          0
    0414459933                           O            08/01/32
    0

    7897933          E22/G02             F           75,000.00         ZZ
                                         360         74,936.99          1
                                       6.875            492.70         52
                                       6.625            492.70
1

    MIAMI            FL   33144          5            07/26/02         00
    0414480426                           05           09/01/02          0
    0414480426                           O            08/01/32
    0

    7897935          E22/G02             F          171,000.00         ZZ
                                         360        170,879.31          1
                                       7.750          1,225.06         95
                                       7.500          1,225.06
    LEWISVILLE       TX   75067          1            07/31/02         01
    0414480608                           05           09/01/02         35
    0414480608                           O            08/01/32
    0

    7897943          E22/G02             F          221,000.00         ZZ
                                         360        220,835.99          1
                                       7.500          1,545.26         85
                                       7.250          1,545.26
    CORAL SPRINGS    FL   33076          5            07/26/02         04
    0414482315                           03           09/01/02         12
    0414482315                           O            08/01/32
    0

    7897951          E22/G02             F           79,200.00         ZZ
                                         360         79,141.22          1
                                       7.500            553.78         90
                                       7.250            553.78
    WETMORE          CO   81253          5            07/26/02         01
    0414485888                           05           09/01/02         25
    0414485888                           O            08/01/32
    0

    7897967          E22/G02             F          216,000.00         ZZ
                                         360        215,847.55          1
                                       7.750          1,547.45         90
                                       7.500          1,547.45
    ROCHESTER        MI   48306          1            07/31/02         01
    0414491456                           29           09/01/02         30
    0414491456                           O            08/01/32
    0

    7897975          E22/G02             F          378,000.00         ZZ
                                         360        377,662.50          1
                                       7.500          2,643.03         80
                                       7.250          2,643.03
    WEATHERFORD      TX   76088          4            07/26/02         00
    0414499913                           05           09/01/02          0
    0414499913                           O            08/01/32
    0
1

    7897979          E22/G02             F          124,087.00         ZZ
                                         360        123,985.29          1
                                       7.000            825.55         80
                                       6.750            825.55
    SPARKS           NV   89436          1            07/26/02         00
    0414501437                           03           09/01/02          0
    0414501437                           O            08/01/32
    0

    7897987          E22/G02             F          152,000.00         ZZ
                                         360        151,838.41          1
                                       7.625          1,075.85         95
                                       7.375          1,075.85
    WILDWOOD         IL   60030          5            07/26/02         01
    0414505321                           05           09/01/02         30
    0414505321                           O            08/01/32
    0

    7897999          E22/G02             F          145,000.00         ZZ
                                         360        144,868.92          1
                                       6.500            916.50         76
                                       6.250            916.50
    ROUND ROCK       TX   78681          5            07/26/02         00
    0414809000                           03           09/01/02          0
    0414509000                           O            08/01/32
    0

    7898019          E22/G02             F          175,000.00         ZZ
                                         360        174,849.33          1
                                       6.750          1,135.05         67
                                       6.500          1,135.05
    GRASS VALLEY     CA   95945          1            07/29/02         00
    0414515452                           05           09/01/02          0
    0414515452                           O            08/01/32
    0

    7898027          E22/G02             F          136,000.00         ZZ
                                         360        135,888.52          1
                                       7.000            904.81         80
                                       6.750            904.81
    MARBLE FALLS     TX   78654          5            07/26/02         00
    0414519322                           05           09/01/02          0
    0414519322                           O            08/01/32
    0

    7898051          E22/G02             F          164,000.00         ZZ
                                         360        163,858.80          1
1

                                       6.750          1,063.70         80
                                       6.500          1,063.70
    MCKINNEY         TX   75070          5            07/26/02         00
    0414529503                           05           09/01/02          0
    0414529503                           O            08/01/32
    0

    7898091          E22/G02             F           90,000.00         ZZ
                                         360         89,922.51          1
                                       6.750            583.74         34
                                       6.500            583.74
    FORT WORTH       TX   76116          2            07/31/02         00
    0414550905                           05           09/01/02          0
    0414550905                           O            08/01/32
    0

    7898093          E22/G02             F           96,000.00         ZZ
                                         360         95,919.35          1
                                       6.875            630.65         80
                                       6.625            630.65
    HOUSTON          TX   77064          1            07/30/02         00
    0414551606                           03           09/01/02          0
    0414551606                           O            08/01/32
    0

    7898107          E22/G02             F          127,200.00         ZZ
                                         360        127,098.28          1
                                       7.125            856.97         80
                                       6.875            856.97
    FORT WORTH       TX   76137          1            07/31/02         00
    0414557553                           05           09/01/02          0
    0414557553                           O            08/01/32
    0

    7898109          E22/G02             F          192,000.00         ZZ
                                         360        191,842.62          1
                                       7.000          1,277.38         80
                                       6.750          1,277.38
    FEDERAL WAY      WA   98023          5            07/26/02         00
    0414558049                           05           09/01/02          0
    0414558049                           O            08/01/32
    0

    7898111          E22/G02             F          121,800.00         ZZ
                                         360        121,692.54          1
                                       6.625            779.90         80
                                       6.375            779.90
    EAGLE            ID   83616          1            07/30/02         00
    0414558627                           03           09/01/02          0
1

    0414558627                           O            08/01/32
    0

    7898113          E22/G02             F          198,550.00         ZZ
                                         360        198,550.00          1
                                       6.750          1,287.79         95
                                       6.500          1,287.79
    SACRAMENTO       CA   95842          1            07/30/02         01
    0414558775                           05           10/01/02         30
    0414558775                           O            09/01/32
    0

    7898117          E22/G02             F          126,500.00         ZZ
                                         360        126,401.32          1
                                       7.250            862.95         80
                                       7.000            862.95
    AUBURN           MA   01501          5            07/26/02         00
    0414560458                           05           09/01/02          0
    0414560458                           O            08/01/32
    0

    7898125          E22/G02             F           52,915.00         ZZ
                                         360         52,873.73          1
                                       7.250            360.97         95
                                       7.000            360.97
    PORT RICHEY      FL   34668          1            07/31/02         01
    0414562975                           05           09/01/02         30
    0414562975                           O            08/01/32
    0

    7898127          E22/G02             F           81,500.00         ZZ
                                         360         81,443.91          1
                                       7.875            590.93         66
                                       7.625            590.93
    ARLINGTON        TX   76013          2            07/31/02         00
    0414563213                           05           09/01/02          0
    0414563213                           N            08/01/32
    0

    7898147          E22/G02             F          249,300.00         ZZ
                                         360        249,119.56          1
                                       7.625          1,764.53         90
                                       7.375          1,764.53
    HOBE SOUND       FL   33455          1            07/31/02         01
    0414574962                           03           09/01/02         25
    0414574962                           O            08/01/32
    0

1

    7898153          E22/G02             F          430,000.00         ZZ
                                         360        429,611.28          1
                                       6.500          2,717.89         80
                                       6.250          2,717.89
    SANDY            UT   84093          2            07/26/02         00
    0414577833                           05           09/01/02          0
    0414577833                           O            08/01/32
    0

    7898159          E22/G02             F          148,520.00         ZZ
                                         360        148,395.23          1
                                       6.875            975.67         80
                                       6.625            975.67
    MIAMI            FL   33155          1            07/31/02         00
    0414580399                           05           09/01/02          0
    0414580399                           O            08/01/32
    0

    7898371          U05/G02             F          384,000.00         ZZ
                                         360        383,692.92          1
                                       7.125          2,587.08         80
                                       6.875          2,587.08
    DALLAS           TX   75229          5            07/02/02         00
    0434505897                           05           09/01/02          0
    3238173                              O            08/01/32
    0

    7898375          F25/G02             F          330,000.00         ZZ
                                         360        330,000.00          1
                                       6.875          2,167.87         69
                                       6.625          2,167.87
    NEW CITY         NY   10956          2            07/30/02         00
    0434391462                           05           10/01/02          0
    R0206086                             O            09/01/32
    0

    7898411          M18/G02             F          127,300.00         ZZ
                                         360        127,187.68          1
                                       6.625            815.12         95
                                       6.375            815.12
    LOS ANGELES (TU  CA   91042          1            07/16/02         04
    0434372942                           01           09/01/02         30
    980101948                            O            08/01/32
    0

    7899377          X72/G02             F          133,500.00         ZZ
                                         360        133,403.38          1
                                       7.625            944.90         75
                                       7.375            944.90
1

    ENGLEWOOD        CO   80110          1            07/31/02         00
    0434355855                           05           09/01/02          0
    11022064                             N            08/01/32
    0

    7899551          737/G02             F           99,000.00         ZZ
                                         360         98,933.57          4
                                       8.000            726.43         90
                                       7.750            726.43
    CHATTANOOGA      TN   37405          1            07/26/02         01
    0434410650                           05           09/01/02         25
    2075554                              N            08/01/32
    0

    7899855          477/G02             F          122,400.00         ZZ
                                         360        122,292.01          1
                                       6.625            783.74         80
                                       6.375            783.74
    HILLSBORO        OR   97124          2            07/11/02         00
    0434346995                           05           09/01/02          0
    226025                               O            08/01/32
    0

    7900911          U05/G02             F          156,750.00         ZZ
                                         360        156,624.98          1
                                       7.125          1,055.72         80
                                       6.875          1,055.72
    FRISCO           TX   75035          2            07/10/02         00
    0434352092                           05           09/01/02          0
    3242858                              O            08/01/32
    0

    7901141          E47/G02             F          207,000.00         ZZ
                                         360        206,826.10          1
                                       6.875          1,359.84         55
                                       6.625          1,359.84
    OLMOS PARK       TX   78212          5            07/15/02         00
    0434528220                           05           09/01/02          0
    7362511279                           O            08/01/32
    0

    7901507          738/G02             F          159,000.00         ZZ
                                         360        158,866.42          1
                                       6.875          1,044.52         90
                                       6.625          1,044.52
    WESTON           FL   33327          1            07/24/02         12
    0434376455                           09           09/01/02         25
    40489591                             O            08/01/32
    0
1

    7901509          Q87/G02             F          151,500.00         ZZ
                                         360        151,366.34          1
                                       6.625            970.07         90
                                       6.375            970.07
    MONROEVILLE      AL   36460          5            07/26/02         10
    0434378634                           05           09/01/02         25
    TUTE01                               O            08/01/32
    0

    7901539          E57/G02             F          215,900.00         ZZ
                                         360        215,718.62          1
                                       6.875          1,418.31         80
                                       6.625          1,418.31
    ANAHEIM          CA   92805          5            07/25/02         00
    0434359659                           05           09/01/02          0
    17003442                             O            08/01/32
    0

    7901611          M27/G02             F          180,000.00         ZZ
                                         360        179,856.06          1
                                       7.125          1,212.69         64
                                       6.875          1,212.69
    SAVANNAH         GA   31405          2            07/25/02         00
    0434358693                           05           09/01/02          0
    500791184                            O            08/01/32
    0

    7902783          W02/G02             F           70,625.00         ZZ
                                         360         70,564.20          1
                                       6.750            458.07         55
                                       6.500            458.07
    LANTANA          FL   33462          5            07/23/02         00
    0434409785                           05           09/01/02          0
    1001298511                           O            08/01/32
    0

    7902817          W02/G02             F          118,800.00         ZZ
                                         360        118,700.20          1
                                       6.875            780.43         90
                                       6.625            780.43
    CAPE CORAL       FL   33990          5            07/23/02         12
    0434354833                           05           09/01/02         25
    1001325380                           O            08/01/32
    0

    7902915          E47/G02             F          121,000.00         ZZ
                                         360        120,900.81          1
1

                                       7.000            805.02         80
                                       6.750            805.02
    MECHANICSVILLE   MD   20659          1            07/19/02         00
    0434376299                           09           09/01/02          0
    7342510161                           O            08/01/32
    0

    7903211          E22/G02             F          166,500.00         ZZ
                                         360        166,388.28          1
                                       8.000          1,221.72         90
                                       7.750          1,221.72
    EMIGRANT         MT   59027          2            07/22/02         01
    0414316240                           05           09/01/02         30
    0414316240                           O            08/01/32
    0

    7903275          E22/G02             F          119,800.00         ZZ
                                         360        119,800.00          1
                                       7.500            837.66         90
                                       7.250            837.66
    DALLAS           TX   75209          1            08/01/02         01
    0414487355                           05           10/01/02         25
    0414487355                           O            09/01/32
    0

    7903283          E22/G02             F          124,000.00         ZZ
                                         360        123,907.97          1
                                       7.500            867.03         90
                                       7.250            867.03
    GRAND BLANC      MI   48439          1            08/01/02         01
    0414503144                           05           09/01/02         25
    0414503144                           O            08/01/32
    0

    7903301          E22/G02             F          126,000.00         ZZ
                                         360        126,000.00          1
                                       7.750            902.68         90
                                       7.500            902.68
    PLAINWELL        MI   49080          1            08/01/02         04
    0414546846                           05           10/01/02         25
    0414546846                           N            09/01/32
    0

    7903305          E22/G02             F           31,500.00         ZZ
                                         360         31,500.00          1
                                       7.875            228.40         90
                                       7.625            228.40
    PLAINWELL        MI   49080          1            08/01/02         04
    0414547273                           05           10/01/02         25
1

    0414547273                           N            09/01/32
    0

    7903313          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.750          1,945.79         78
                                       6.500          1,945.79
    GRASS VALLEY     CA   95945          1            07/29/02         00
    0414575001                           05           10/01/02          0
    0414575001                           O            09/01/32
    0

    7903327          E22/G02             F          151,200.00         ZZ
                                         360        151,095.95          1
                                       7.875          1,096.30         90
                                       7.625          1,096.30
    BELLEAIR BEACH   FL   33786          1            08/01/02         04
    0414607770                           01           09/01/02         25
    0414607770                           O            08/01/32
    0

    7903341          E82/G02             F          187,500.00         ZZ
                                         360        187,360.85          4
                                       7.500          1,311.03         56
                                       7.250          1,311.03
    WAKEFIELD        MA   01880          2            07/30/02         00
    0400668836                           05           09/01/02          0
    1961729                              N            08/01/32
    0

    7904989          X82/G02             F          215,200.00         ZZ
                                         360        214,854.80          1
                                       7.125          1,449.84         80
                                       6.875          1,449.84
    CHANTILLY        VA   20151          1            06/27/02         00
    0434363727                           29           08/01/02          0
    831938                               O            07/01/32
    0

    7905181          562/G02             F           92,000.00         ZZ
                                         360         91,929.99          1
                                       7.375            635.43         80
                                       7.125            635.43
    STERLING FOREST  NY   10979          1            07/31/02         00
    0434387379                           05           09/01/02          0
    297041247                            O            08/01/32
    0

1

    7905277          K15/G02             F          117,000.00         ZZ
                                         360        116,917.42          1
                                       7.750            838.20         90
                                       7.500            838.20
    NORTON           OH   44203          5            07/25/02         10
    0434358065                           05           09/01/02         25
    028005501053                         O            08/01/32
    0

    7905391          A06/G02             F          104,000.00         ZZ
                                         360        103,912.62          1
                                       6.875            683.21         80
                                       6.625            683.21
    BERKLEY          MI   48072          2            07/29/02         00
    0434374070                           05           09/01/02          0
    001000010201141                      N            08/01/32
    0

    7905533          737/G02             F          168,150.00         ZZ
                                         360        168,005.22          1
                                       6.750          1,090.62         95
                                       6.500          1,090.62
    SACRAMENTO       CA   95827          5            07/25/02         12
    0434377727                           05           09/01/02         30
    2074411                              O            08/01/32
    0

    7905721          R80/G02             F          136,800.00         ZZ
                                         360        136,698.47          4
                                       7.500            956.53         80
                                       7.250            956.53
    MESA             AZ   85204          1            07/16/02         00
    0434374997                           05           09/01/02          0
    38992                                N            08/01/32
    0

    7906377          W30/G02             F          140,000.00         ZZ
                                         360        139,888.04          1
                                       7.125            943.21         79
                                       6.875            943.21
    LYMAN            ME   04002          5            07/31/02         00
    0434363511                           05           09/01/02          0
    0589713                              O            08/01/32
    0

    7906707          E22/G02             F          138,650.00         ZZ
                                         360        138,547.10          1
                                       7.500            969.46         90
                                       7.250            969.46
1

    DAYTON           NV   89403          1            07/25/02         01
    0414188599                           03           09/01/02         30
    0414188599                           O            08/01/32
    0

    7906717          E22/G02             F          183,750.00         ZZ
                                         360        183,610.18          2
                                       7.375          1,269.12         75
                                       7.125          1,269.12
    LOS ANGELES      CA   90067          5            07/18/02         00
    0414256677                           05           09/01/02          0
    0414256677                           N            08/01/32
    0

    7906727          E22/G02             F          162,400.00         ZZ
                                         360        162,260.18          1
                                       6.750          1,053.32         80
                                       6.500          1,053.32
    RIVERSIDE        CA   92509          5            07/23/02         00
    0414285130                           05           09/01/02          0
    0414285130                           O            08/01/32
    0

    7906729          E22/G02             F          101,650.00         ZZ
                                         360        101,570.71          1
                                       7.250            693.43         95
                                       7.000            693.43
    STILLWATER       OK   74075          5            07/29/02         01
    0414289082                           03           09/01/02         30
    0414289082                           O            08/01/32
    0

    7906737          E22/G02             F          234,900.00         ZZ
                                         360        234,725.68          3
                                       7.500          1,642.45         90
                                       7.250          1,642.45
    LOS ANGELES      CA   90016          1            07/09/02         04
    0414301101                           05           09/01/02         25
    0414301101                           N            08/01/32
    0

    7906759          E22/G02             F          118,800.00         ZZ
                                         360        118,709.60          4
                                       7.375            820.52         90
                                       7.125            820.52
    TOLEDO           OH   43610          1            08/02/02         11
    0414355925                           05           09/01/02         25
    0414355925                           N            08/01/32
    0
1

    7906799          E22/G02             F           96,700.00         ZZ
                                         360         96,620.73          1
                                       7.000            643.35         85
                                       6.750            643.35
    EL PASO          TX   79936          2            07/29/02         01
    0414410472                           05           09/01/02         25
    0414410472                           O            08/01/32
    0

    7906811          E22/G02             F          134,500.00         ZZ
                                         360        134,397.66          1
                                       7.375            928.96         59
                                       7.125            928.96
    CYPRESS          TX   77433          5            07/29/02         00
    0414431627                           05           09/01/02          0
    0414431627                           O            08/01/32
    0

    7906817          E22/G02             F          118,800.00         ZZ
                                         360        118,700.20          1
                                       6.875            780.43         90
                                       6.625            780.43
    HUDSON           FL   34669          1            08/02/02         01
    0414440446                           05           09/01/02         30
    0414440446                           O            08/01/32
    0

    7906859          E22/G02             F           85,000.00         ZZ
                                         360         84,933.69          1
                                       7.250            579.85         68
                                       7.000            579.85
    LARGO            FL   33777          1            08/02/02         00
    0414478032                           05           09/01/02          0
    0414478032                           O            08/01/32
    0

    7906875          E22/G02             F          137,750.00         ZZ
                                         360        137,534.27          1
                                       6.875            904.92         95
                                       6.625            904.92
    SYLVA            NC   28723          1            08/02/02         01
    0414498691                           05           09/01/02         30
    0414498691                           O            08/01/32
    0

    7906879          E22/G02             F           93,600.00         T
                                         360         93,519.41          1
1

                                       6.750            607.09         80
                                       6.500            607.09
    ALBUQUERQUE      NM   87114          1            08/02/02         00
    0414502856                           05           09/01/02          0
    0414502856                           O            08/01/32
    0

    7906893          E22/G02             F           97,200.00         ZZ
                                         360         97,133.11          1
                                       7.875            704.77         90
                                       7.625            704.77
    ROSWELL          NM   88201          1            08/02/02         01
    0414513531                           07           09/01/02         30
    0414513531                           O            08/01/32
    0

    7906915          E22/G02             F          139,260.00         ZZ
                                         360        139,260.00          1
                                       6.875            914.84         95
                                       6.625            914.84
    BOISE            ID   83709          1            08/01/02         04
    0414536839                           05           10/01/02         30
    0414536839                           O            09/01/32
    0

    7906923          E22/G02             F          136,800.00         ZZ
                                         360        136,700.99          1
                                       7.625            968.26         90
                                       7.375            968.26
    WARWICK          RI   02889          5            07/29/02         01
    0414541201                           05           09/01/02         25
    0414541201                           O            08/01/32
    0

    7906947          E22/G02             F          208,000.00         ZZ
                                         360        208,000.00          1
                                       7.000          1,383.83         80
                                       6.750          1,383.83
    TERRELL          TX   75160          1            08/02/02         00
    0414575993                           03           10/01/02          0
    0414575993                           O            09/01/32
    0

    7906959          E22/G02             F          146,784.00         ZZ
                                         360        146,669.49          1
                                       7.250          1,001.33         80
                                       7.000          1,001.33
    MIAMI BEACH      FL   33139          1            08/02/02         00
    0414586214                           01           09/01/02          0
1

    0414586214                           O            08/01/32
    0

    7906973          E22/G02             F          125,000.00         ZZ
                                         360        124,894.99          1
                                       6.875            821.16         44
                                       6.625            821.16
    WEST LINN        OR   97068          5            07/26/02         00
    0414597997                           05           09/01/02          0
    0414597997                           O            08/01/32
    0

    7907221          K15/G02             F          158,000.00         ZZ
                                         360        157,857.16          1
                                       6.500            998.67         72
                                       6.250            998.67
    WHITE BEAR LAKE  MN   55110          5            07/26/02         00
    0434367017                           05           09/01/02          0
    013205306172                         O            08/01/32
    0

    7907315          G52/G02             F          240,000.00         ZZ
                                         360        239,624.43          1
                                       7.250          1,637.22         69
                                       7.000          1,637.22
    RED BLUFF        CA   96080          5            06/18/02         00
    0434378782                           05           08/01/02          0
    7905005213                           O            07/01/32
    0

    7907543          253/253             F          168,000.00         ZZ
                                         360        167,862.29          1
                                       7.000          1,117.71         80
                                       6.750          1,117.71
    DALLAS           TX   75243          1            07/05/02         00
    421452                               05           09/01/02          0
    421452                               O            08/01/32
    0

    7908627          B39/G02             F          112,500.00         ZZ
                                         360        112,420.60          4
                                       7.750            805.96         90
                                       7.500            805.96
    ST PAUL          MN   55101          1            08/02/02         04
    0434455010                           05           09/01/02         25
    20021839F                            N            08/01/32
    0

1

    7909737          X78/G02             F          319,760.00         ZZ
                                         360        319,760.00          1
                                       7.500          2,235.81         95
                                       7.250          2,235.81
    CANTON           GA   30114          1            08/02/02         10
    0434404430                           05           10/01/02         30
    990156                               O            09/01/32
    0

    7909747          Q14/G02             F          165,000.00         ZZ
                                         360        164,864.75          2
                                       7.000          1,097.75         61
                                       6.750          1,097.75
    INDEPENDENCE     MO   64058          2            07/29/02         00
    0434364691                           05           09/01/02          0
    0208351                              N            08/01/32
    0

    7909853          S48/S48             F          173,940.00         ZZ
                                         360        173,660.97          1
                                       7.125          1,171.87        100
                                       6.875          1,171.87
    ANKENY           IA   50021          1            06/28/02         14
    6005255390                           01           08/01/02         35
    6005255390                           O            07/01/32
    0

    7909857          S48/S48             F           40,000.00         ZZ
                                         360         39,966.39          1
                                       6.875            262.78        100
                                       6.625            262.78
    ROANOKE          AL   36274          1            07/22/02         14
    6048348236                           03           09/01/02         35
    6048348236                           O            08/01/32
    0

    7909859          S48/S48             F           72,163.00         ZZ
                                         360         72,105.29          1
                                       7.125            486.18        100
                                       6.875            486.18
    NEW WOODSTOCK    NY   13122          1            07/11/02         14
    6067074689                           05           09/01/02         35
    6067074689                           O            08/01/32
    0

    7909861          S48/S48             F           99,000.00         ZZ
                                         360         98,918.85          1
                                       7.000            658.65        100
                                       6.750            658.65
1

    CONROE           TX   77385          1            07/17/02         14
    6079678170                           03           09/01/02         35
    6079678170                           O            08/01/32
    0

    7909863          S48/S48             F          120,000.00         ZZ
                                         360        119,901.63          1
                                       7.000            798.37        100
                                       6.750            798.37
    BREMERTON        WA   98311          1            07/17/02         14
    6081957232                           05           09/01/02         35
    6081957232                           O            08/01/32
    0

    7909869          S48/S48             F          120,000.00         ZZ
                                         360        119,724.35          1
                                       7.375            828.82        100
                                       7.125            828.82
    PALM BEACH GARD  FL   33418          1            05/17/02         14
    6124571388                           03           07/01/02         35
    6124571388                           O            06/01/32
    0

    7909871          S48/S48             F          151,500.00         ZZ
                                         360        151,262.19          1
                                       7.250          1,033.50        100
                                       7.000          1,033.50
    SIMPSONVILLE     SC   29680          1            06/27/02         14
    6125273174                           05           08/01/02         35
    6125273174                           O            07/01/32
    0

    7909877          S48/S48             F           30,000.00         ZZ
                                         360         29,723.16          1
                                       6.875            197.08        100
                                       6.625            197.08
    JONESBORO AREA   AR   72401          1            07/01/02         14
    6139100611                           05           08/01/02         35
    6139100611                           O            07/01/32
    0

    7909879          S48/S48             F          122,000.00         ZZ
                                         360        121,804.21          1
                                       7.125            821.94        100
                                       6.875            821.94
    ROWLETT          TX   75088          1            06/28/02         14
    6149889658                           05           08/01/02         35
    6149889658                           O            07/01/32
    0
1

    7909889          S48/S48             F          100,000.00         ZZ
                                         360         99,770.31          1
                                       7.375            690.68        100
                                       7.125            690.68
    GREENWOOD        SC   29649          1            05/17/02         14
    6239779496                           05           07/01/02         35
    6239779496                           O            06/01/32
    0

    7909891          S48/S48             F           72,000.00         ZZ
                                         360         71,537.93          1
                                       7.375            497.29        100
                                       7.125            497.29
    BISBEE           AZ   85603          1            06/24/02         14
    6240329299                           05           08/01/02         35
    6240329299                           O            07/01/32
    0

    7909893          S48/S48             F          149,507.00         ZZ
                                         360        149,381.39          1
                                       6.875            982.16        100
                                       6.625            982.16
    VISALIA          CA   93292          1            07/17/02         14
    6243069363                           05           09/01/02         35
    6243069363                           O            08/01/32
    0

    7909901          S48/S48             F          122,860.00         ZZ
                                         360        122,677.07          1
                                       7.500            859.06        100
                                       7.250            859.06
    MONROE           NC   28110          1            06/27/02         14
    6312327833                           05           08/01/02         35
    6312327833                           O            07/01/32
    0

    7909915          S48/S48             F           46,000.00         ZZ
                                         360         45,926.20          1
                                       7.125            309.92        100
                                       6.875            309.92
    PENSACOLA        FL   32503          1            06/28/02         14
    6405744621                           05           08/01/02         35
    6405744621                           O            07/01/32
    0

    7909919          S48/S48             F           94,000.00         ZZ
                                         360         93,646.76          1
1

                                       7.500            657.27        100
                                       7.250            657.27
    SUN CITY         AZ   85351          1            03/21/02         14
    6413275717                           03           05/01/02         35
    6413275717                           O            04/01/32
    0

    7909921          S48/S48             F          293,000.00         ZZ
                                         360        292,753.84          1
                                       6.875          1,924.81        100
                                       6.625          1,924.81
    FOLSOM           CA   95630          1            07/12/02         14
    6419865693                           05           09/01/02         35
    6419865693                           O            08/01/32
    0

    7909923          S48/S48             F           47,000.00         ZZ
                                         360         46,955.40          1
                                       6.250            289.39        100
                                       6.000            289.39
    WOODLAWN         TN   37191          1            07/18/02         14
    6445518167                           05           09/01/02         35
    6445518167                           O            08/01/32
    0

    7909925          S48/S48             F          153,900.00         ZZ
                                         360        153,634.23          1
                                       6.750            998.20        100
                                       6.500            998.20
    MURFREESBORO     TN   37129          1            06/27/02         14
    6454640324                           05           08/01/02         35
    6454640324                           O            07/01/32
    0

    7909927          S48/S48             F           61,000.00         ZZ
                                         360         60,949.99          1
                                       7.000            405.84        100
                                       6.750            405.84
    VERO BEACH       FL   32962          1            07/19/02         14
    6457943873                           05           09/01/02         35
    6457943873                           O            08/01/32
    0

    7909933          S48/S48             F          146,477.00         ZZ
                                         360        146,230.16          1
                                       6.875            962.26        100
                                       6.625            962.26
    RIVERDALE        GA   30297          1            06/27/02         14
    6483698301                           03           08/01/02         35
1

    6483698301                           O            07/01/32
    0

    7909937          S48/S48             F          150,204.00         ZZ
                                         360        149,963.04          1
                                       7.125          1,011.96        100
                                       6.875          1,011.96
    SAN ANTONIO      TX   78259          1            06/26/02         14
    6519310715                           03           08/01/02         35
    6519310715                           O            07/01/32
    0

    7909939          S48/S48             F          168,000.00         ZZ
                                         360        167,851.77          1
                                       6.625          1,075.73        100
                                       6.375          1,075.73
    ALVIN            TX   77511          1            07/22/02         14
    6526609455                           05           09/01/02         35
    6526609455                           O            08/01/32
    0

    7909945          S48/S48             F           79,900.00         ZZ
                                         360         79,079.61          1
                                       6.375            498.48        100
                                       6.125            498.48
    CINCINNATI       OH   45205          1            06/28/02         14
    6603785855                           05           08/01/02         35
    6603785855                           O            07/01/32
    0

    7909947          S48/S48             F          145,000.00         ZZ
                                         360        144,881.14          1
                                       7.000            964.69        100
                                       6.750            964.69
    LOS ANGELES      CA   91406          1            07/17/02         14
    6610156843                           01           09/01/02         35
    6610156843                           O            08/01/32
    0

    7909951          S48/S48             F          127,500.00         ZZ
                                         360        127,395.48          1
                                       7.000            848.27        100
                                       6.750            848.27
    TUCSON           AZ   85741          1            07/09/02         14
    6656388086                           05           09/01/02         35
    6656388086                           O            08/01/32
    0

1

    7909955          S48/S48             F          203,000.00         ZZ
                                         360        202,816.48          1
                                       6.500          1,283.10        100
                                       6.250          1,283.10
    SUMTER           SC   29150          1            07/16/02         14
    6678448108                           05           09/01/02         35
    6678448108                           O            08/01/32
    0

    7909959          S48/S48             F          149,088.00         ZZ
                                         360        148,871.49          1
                                       7.625          1,055.24        100
                                       7.375          1,055.24
    LAS CRUCES       NM   88012          1            06/28/02         14
    6781035446                           05           08/01/02         35
    6781035446                           O            07/01/32
    0

    7909963          S48/S48             F          150,000.00         ZZ
                                         360        149,867.65          1
                                       6.625            960.47        100
                                       6.375            960.47
    RICHMOND         VA   23221          1            07/19/02         14
    6801702132                           05           09/01/02         35
    6801702132                           O            08/01/32
    0

    7909967          S48/S48             F           74,900.00         ZZ
                                         360         74,773.78          1
                                       6.875            492.04        100
                                       6.625            492.04
    DUBUQUE          IA   52001          1            06/28/02         14
    6947188964                           05           08/01/02         35
    6947188964                           O            07/01/32
    0

    7909969          S48/S48             F           72,000.00         ZZ
                                         360         71,940.98          1
                                       7.000            479.02        100
                                       6.750            479.02
    SPRINGFIELD      MO   65803          1            07/12/02         14
    6979780290                           05           09/01/02         35
    6979780290                           O            08/01/32
    0

    7909973          S48/S48             F          116,000.00         ZZ
                                         360        115,907.23          1
                                       7.125            781.52        100
                                       6.875            781.52
1

    ORLANDO          FL   32822          1            07/22/02         14
    6538822914                           03           09/01/02         35
    6538822914                           O            08/01/32
    0

    7909977          S48/S48             F           88,000.00         ZZ
                                         360         87,816.45          1
                                       6.875            578.10        100
                                       6.625            578.10
    HALETHORPE       MD   21227          1            06/25/02         14
    6581012652                           05           08/01/02         35
    6581012652                           O            07/01/32
    0

    7909981          S48/S48             F           93,000.00         ZZ
                                         360         92,807.72          1
                                       7.375            642.33        100
                                       7.125            642.33
    FREDERICKSBURG   VA   22407          1            06/26/02         14
    6616568439                           03           08/01/02         35
    6616568439                           O            07/01/32
    0

    7909985          S48/S48             F          140,000.00         ZZ
                                         360        139,758.24          1
                                       6.750            908.04        100
                                       6.500            908.04
    MONROE           NC   28112          1            06/28/02         14
    6640245590                           05           08/01/02         35
    6640245590                           O            07/01/32
    0

    7909987          S48/S48             F          158,640.00         ZZ
                                         360        158,516.24          1
                                       7.250          1,082.21        100
                                       7.000          1,082.21
    PEARLAND         TX   77584          1            07/26/02         14
    6641517179                           03           09/01/02         35
    6641517179                           O            08/01/32
    0

    7909989          S48/S48             F          121,750.00         ZZ
                                         360        121,641.78          1
                                       6.750            789.67        100
                                       6.500            789.67
    NEW TRIPOLI      PA   18066          1            07/19/02         14
    6687398195                           05           09/01/02         35
    6687398195                           O            08/01/32
    0
1

    7909999          S48/S48             F           90,900.00         ZZ
                                         360         90,754.17          1
                                       7.125            612.42        100
                                       6.875            612.42
    SURFSIDE BE      SC   29575          1            06/27/02         14
    6883277334                           05           08/01/02         35
    6883277334                           O            07/01/32
    0

    7910001          S48/S48             F          207,000.00         ZZ
                                         360        206,838.52          1
                                       7.250          1,412.11        100
                                       7.000          1,412.11
    VENTURA          CA   93004          1            07/11/02         14
    6886598645                           01           09/01/02         35
    6886598645                           O            08/01/32
    0

    7910005          S48/S48             F          130,400.00         ZZ
                                         360        130,290.44          1
                                       6.875            856.64        100
                                       6.625            856.64
    GORDONSVILL      VA   22942          1            07/18/02         14
    6989942385                           05           09/01/02         35
    6989942385                           O            08/01/32
    0

    7910335          T44/G02             F          160,000.00         ZZ
                                         360        159,851.81          1
                                       6.375            998.19         64
                                       6.125            998.19
    UPLAND           CA   91786          5            07/25/02         00
    0434368452                           05           09/01/02          0
    1047397                              O            08/01/32
    0

    7910359          P30/G02             F          117,900.00         ZZ
                                         360        117,810.28          1
                                       7.375            814.31         90
                                       7.125            814.31
    LEXINGTON        NC   27295          1            07/30/02         25
    0434462164                           05           09/01/02         25
    0592083                              O            08/01/32
    0

    7910363          737/G02             F          163,000.00         ZZ
                                         360        162,863.06          1
1

                                       6.875          1,070.79         73
                                       6.625          1,070.79
    MANDEVILLE       LA   70448          2            07/26/02         00
    0434363305                           05           09/01/02          0
    2076606                              O            08/01/32
    0

    7910523          W40/G02             F          134,800.00         ZZ
                                         360        134,800.00          1
                                       6.875            885.54         80
                                       6.625            885.54
    ANTHEM           AZ   85086          1            08/02/02         00
    0434380267                           05           10/01/02          0
    10210066                             O            09/01/32
    0

    7910815          F61/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.625          1,408.68         69
                                       6.375          1,408.68
    SEATTLE          WA   98126          1            08/01/02         00
    0434370979                           05           10/01/02          0
    020836B                              O            09/01/32
    0

    7910895          K15/G02             F          120,000.00         ZZ
                                         360        119,891.52          1
                                       6.500            758.48         65
                                       6.250            758.48
    CUMBERLAND       ME   04021          5            07/26/02         00
    0434369633                           05           09/01/02          0
    007705301517                         O            08/01/32
    0

    7910973          B57/G02             F          190,000.00         ZZ
                                         360        189,848.06          1
                                       7.125          1,280.07         76
                                       6.875          1,280.07
    (NORTHRIDGE ARE  CA   91325          5            07/24/02         00
    0434366688                           05           09/01/02          0
    10003863                             O            08/01/32
    0

    7910981          K15/G02             F          170,500.00         ZZ
                                         360        170,366.99          1
                                       7.250          1,163.11         82
                                       7.000          1,163.11
    WORCESTER        MA   01602          5            07/25/02         10
    0434378493                           05           09/01/02         12
1

    024605501415                         O            08/01/32
    0

    7911011          K81/G02             F          229,500.00         ZZ
                                         360        229,325.37          1
                                       7.375          1,585.10         90
                                       7.125          1,585.10
    PARK CITY        UT   84098          1            07/31/02         01
    0434467338                           05           09/01/02         25
    5700324                              O            08/01/32
    0

    7912059          U28/G02             F           75,300.00         ZZ
                                         360         75,236.74          1
                                       6.875            494.67         75
                                       6.625            494.67
    ATLANTA          GA   30342          5            07/26/02         00
    0434382883                           01           09/01/02          0
    2000003854                           O            08/01/32
    0

    7913303          025/025             F          220,462.61         ZZ
                                         286        217,841.27          1
                                       7.375          1,639.10         37
                                       7.125          1,639.10
    OCALA            FL   34471          2            11/21/01         00
    0025330291                           05           01/01/02          0
    0025330291                           O            10/01/25
    0

    7914497          696/G02             F          206,800.00         ZZ
                                         360        206,634.63          1
                                       7.125          1,393.25         49
                                       6.875          1,393.25
    ALEXANDRIA       VA   22304          2            07/23/02         00
    0434368270                           09           09/01/02          0
    25602145                             O            08/01/32
    0

    7915555          E22/G02             F          373,100.00         ZZ
                                         360        372,770.82          1
                                       6.625          2,389.00         80
                                       6.375          2,389.00
    SAN DIEGO        CA   92109          5            07/24/02         00
    0414247197                           01           09/01/02          0
    0414247197                           O            08/01/32
    0

1

    7915559          E22/G02             F          134,500.00         ZZ
                                         360        134,375.42          1
                                       6.375            839.11         55
                                       6.125            839.11
    CLEARWATER       FL   33756          2            07/30/02         00
    0414282525                           05           09/01/02          0
    0414282525                           O            08/01/32
    0

    7915571          E22/G02             F          148,500.00         ZZ
                                         360        148,500.00          4
                                       7.750          1,063.87         90
                                       7.500          1,063.87
    PHILLIPSBURG     NJ   08865          1            08/05/02         04
    0414322842                           05           10/01/02         25
    0414322842                           N            09/01/32
    0

    7915589          E22/G02             F          144,000.00         ZZ
                                         360        143,876.02          1
                                       6.750            933.98         66
                                       6.500            933.98
    BROCKTON         MA   02301          5            07/31/02         00
    0414347195                           05           09/01/02          0
    0414347195                           O            08/01/32
    0

    7915597          E22/G02             F          158,400.00         ZZ
                                         360        158,400.00          1
                                       7.375          1,094.03         80
                                       7.125          1,094.03
    LAGO VISTA       TX   78645          5            07/31/02         00
    0414371351                           03           10/01/02          0
    0414371351                           O            09/01/32
    0

    7915663          E22/G02             F          129,600.00         ZZ
                                         360        129,491.12          1
                                       6.875            851.38         80
                                       6.625            851.38
    LOVELAND         CO   80538          1            08/05/02         00
    0414431718                           05           09/01/02          0
    0414431718                           O            08/01/32
    0

    7915723          E22/G02             F          330,100.00         ZZ
                                         360        330,100.00          1
                                       6.875          2,168.52         83
                                       6.625          2,168.52
1

    MONROE TOWNSHIP  NJ   08831          5            07/31/02         01
    0414479543                           05           10/01/02         12
    0414479543                           O            09/01/32
    0

    7915727          E22/G02             F          108,750.00         ZZ
                                         360        108,663.03          2
                                       7.125            732.67         75
                                       6.875            732.67
    ALBANY           OR   97322          1            07/31/02         00
    0414482638                           05           09/01/02          0
    0414482638                           N            08/01/32
    0

    7915743          E22/G02             F          106,100.00         ZZ
                                         360        106,013.03          1
                                       7.000            705.89         90
                                       6.750            705.89
    BLACK MOUNTAIN   NC   28711          5            07/30/02         10
    0414489237                           05           09/01/02         25
    0414489237                           O            08/01/32
    0

    7915747          E22/G02             F           97,000.00         ZZ
                                         360         96,922.43          1
                                       7.125            653.51         80
                                       6.875            653.51
    BRYAN            TX   77802          5            07/31/02         00
    0414490409                           05           09/01/02          0
    0414490409                           O            08/01/32
    0

    7915763          E22/G02             F          649,900.00         ZZ
                                         360        649,312.48          1
                                       6.500          4,107.81         27
                                       6.250          4,107.81
    BRASELTON        GA   30517          2            07/31/02         00
    0414505743                           05           09/01/02          0
    0414505743                           O            08/01/32
    0

    7915767          E22/G02             F          300,000.00         ZZ
                                         360        299,747.96          1
                                       6.875          1,970.79         80
                                       6.625          1,970.79
    FORT WORTH       TX   76132          1            08/02/02         00
    0414506261                           03           09/01/02          0
    0414506261                           O            08/01/32
    0
1

    7915799          E22/G02             F          139,000.00         ZZ
                                         360        138,880.33          1
                                       6.750            901.55         76
                                       6.500            901.55
    FRIENDSWOOD      TX   77546          2            07/30/02         00
    0414527184                           03           09/01/02          0
    0414527184                           O            08/01/32
    0

    7915837          E22/G02             F          185,500.00         ZZ
                                         360        185,351.66          2
                                       7.125          1,249.75         70
                                       6.875          1,249.75
    HILLSIDE         NJ   07205          5            07/31/02         00
    0414553164                           05           09/01/02          0
    0414553164                           O            08/01/32
    0

    7915885          E22/G02             F          188,000.00         ZZ
                                         360        187,838.14          1
                                       6.750          1,219.36         80
                                       6.500          1,219.36
    NEW ORLEANS      LA   70122          5            07/31/02         00
    0414612200                           05           09/01/02          0
    0414612200                           O            08/01/32
    0

    7915889          E22/G02             F          119,692.00         ZZ
                                         360        119,588.95          1
                                       6.750            776.32         75
                                       6.500            776.32
    FORT LAUDERDALE  FL   33312          1            08/05/02         00
    0414637272                           05           09/01/02          0
    0414637272                           O            08/01/32
    0

    7915891          E22/G02             F          175,500.00         ZZ
                                         360        175,500.00          4
                                       7.375          1,212.13         75
                                       7.125          1,212.13
    BOISE            ID   83704          1            08/01/02         00
    0414661975                           05           10/01/02          0
    0414661975                           N            09/01/32
    0

    7915979          E82/G02             F          203,600.00         ZZ
                                         360        203,600.00          3
1

                                       7.375          1,406.21         49
                                       7.125          1,406.21
    DORCHESTER       MA   02122          2            08/06/02         00
    0400670816                           05           10/01/02          0
    3500550                              N            09/01/32
    0

    7916017          K39/G02             F          139,200.00         ZZ
                                         360        139,091.41          1
                                       7.250            949.59         80
                                       7.000            949.59
    QUARTZ HILL      CA   93536          5            07/24/02         00
    0434356051                           05           09/01/02          0
    570572789                            O            08/01/32
    0

    7916147          G52/G02             F          108,000.00         ZZ
                                         360        107,847.05          3
                                       7.750            773.73         90
                                       7.500            773.73
    SAN ANTONIO      TX   78212          1            06/06/02         01
    0434464111                           05           08/01/02         25
    7405007188                           N            07/01/32
    0

    7916345          E47/G02             F          125,000.00         ZZ
                                         360        124,892.38          1
                                       6.750            810.75         74
                                       6.500            810.75
    BULVERDE         TX   78163          5            07/18/02         00
    0434429684                           05           09/01/02          0
    7362511278                           O            08/01/32
    0

    7916469          758/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.500          2,654.69         80
                                       6.250          2,654.69
    HOUSTON          TX   77056          1            08/01/02         00
    0434387320                           09           10/01/02          0
    102136                               O            09/01/32
    0

    7916691          642/G02             F          157,250.00         ZZ
                                         360        157,250.00          1
                                       6.875          1,033.02         85
                                       6.625          1,033.02
    SAN DIEGO        CA   92109          5            08/01/02         10
    0434410155                           01           10/01/02         12
1

    06187602                             O            09/01/32
    0

    7916717          E57/G02             F          107,000.00         ZZ
                                         360        107,000.00          1
                                       6.875            702.91         49
                                       6.625            702.91
    RIVERSIDE        CA   92507          1            07/31/02         00
    0434395695                           05           10/01/02          0
    06008776                             N            09/01/32
    0

    7916733          G34/G02             F          161,400.00         ZZ
                                         360        161,277.19          1
                                       7.375          1,114.75         95
                                       7.125          1,114.75
    JUNCTION CITY    OR   97448          1            07/23/02         19
    0434466124                           05           09/01/02         30
    44802269118                          O            08/01/32
    0

    7916905          P44/G02             F          270,000.00         ZZ
                                         360        269,190.94          1
                                       7.500          1,887.88         80
                                       7.250          1,887.88
    CAMBRIDGE        MA   02163          5            05/09/02         00
    0434459947                           05           06/01/02          0
    001492                               O            05/01/32
    0

    7917053          420/G02             F          199,000.00         ZZ
                                         360        198,832.81          1
                                       6.875          1,307.29         50
                                       6.625          1,307.29
    SANTA ROSA       CA   95404          1            07/11/02         00
    0434385084                           05           09/01/02          0
    72002337                             N            08/01/32
    0

    7917105          U05/G02             F           94,500.00         ZZ
                                         360         94,429.87          1
                                       7.500            660.76         70
                                       7.250            660.76
    GRANTS PASS      OR   97526          1            07/12/02         00
    0434383030                           05           09/01/02          0
    3243205                              N            08/01/32
    0

1

    7917451          X05/G02             F          227,000.00         ZZ
                                         360        226,804.56          1
                                       6.750          1,472.32         62
                                       6.500          1,472.32
    POWAY            CA   92064          5            07/19/02         00
    0434395463                           05           09/01/02          0
    01206333                             O            08/01/32
    0

    7917457          U05/G02             F          234,500.00         ZZ
                                         360        234,307.79          1
                                       7.000          1,560.13         80
                                       6.750          1,560.13
    BELLFLOWER       CA   90706          5            07/11/02         00
    0434372876                           05           09/01/02          0
    3244814                              O            08/01/32
    0

    7917479          A50/G02             F           86,925.00         ZZ
                                         360         86,857.19          1
                                       7.250            592.98         95
                                       7.000            592.98
    CALHOUN          GA   30701          1            07/31/02         01
    0434393427                           05           09/01/02         30
    858129                               O            08/01/32
    0

    7917493          A50/G02             F          163,100.00         ZZ
                                         360        162,952.56          1
                                       6.500          1,030.90         80
                                       6.250          1,030.90
    NEWNAN           GA   30265          1            07/31/02         00
    0434393252                           03           09/01/02          0
    848266                               O            08/01/32
    0

    7917797          X66/G02             F          137,500.00         ZZ
                                         360        137,500.00          1
                                       7.000            914.79         85
                                       6.750            914.79
    WINSLOW TOWNSHI  NJ   08009          5            08/02/02         04
    0434455952                           05           10/01/02         12
    87552601                             O            09/01/32
    0

    7917915          S25/G02             F           66,000.00         ZZ
                                         300         65,849.07          1
                                       7.500            487.73         68
                                       7.250            487.73
1

    ASHEVILLE        NC   28806          5            07/19/02         00
    0434455994                           05           08/25/02          0
    245807633                            O            07/25/27
    0

    7917921          U42/G02             F          280,000.00         ZZ
                                         360        279,758.93          1
                                       6.750          1,816.07         79
                                       6.500          1,816.07
    PLANO            TX   75093          5            07/24/02         00
    0434425534                           03           09/01/02          0
    12201724                             O            08/01/32
    0

    7917925          952/G02             F          122,400.00         ZZ
                                         360        122,400.00          3
                                       7.500            855.84         90
                                       7.250            855.84
    NEWARK           NJ   07107          1            08/02/02         02
    0434402988                           05           10/01/02         25
    2002572                              N            09/01/32
    0

    7918173          M18/G02             F          438,400.00         ZZ
                                         360        438,400.00          1
                                       7.500          3,065.36         80
                                       7.250          3,065.36
    GLENDALE         CA   91201          5            07/29/02         00
    0434384855                           05           10/01/02          0
    980101947                            O            09/01/32
    0

    7918451          144/144             F           76,000.00         ZZ
                                         360         75,934.57          1
                                       6.750            492.93         70
                                       6.500            492.93
    MONTICELLO       NY   12701          2            07/25/02         00
    568483073                            05           09/01/02          0
    568483073                            O            08/01/32
    0

    7919373          588/G02             F          148,850.00         ZZ
                                         360        148,605.27          1
                                       7.000            990.30         80
                                       6.750            990.30
    WILMINGTON CITY  DE   19809          1            06/28/02         00
    0434379293                           09           08/01/02          0
    1069615                              O            07/01/32
    0
1

    7919415          S25/G02             F           95,950.00         ZZ
                                         300         95,693.05          1
                                       6.500            647.86         95
                                       6.250            647.86
    KNIGHTDALE       NC   27545          5            07/19/02         11
    0434456018                           05           08/24/02         30
    246311586                            O            07/24/27
    0

    7920515          E22/G02             F           43,700.00         ZZ
                                         360         43,669.92          1
                                       7.875            316.86         95
                                       7.625            316.86
    CENTRALIA        IL   62801          5            08/02/02         04
    0414037119                           05           09/01/02         30
    0414037119                           O            08/01/32
    0

    7920521          E22/G02             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       7.625          1,380.20         70
                                       7.375          1,380.20
    SWANSEA          SC   29160          5            08/01/02         00
    0414186510                           05           10/01/02          0
    0414186510                           O            09/01/32
    0

    7920533          E22/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.625          1,440.70         65
                                       6.375          1,440.70
    UPPER LAKE       CA   95485          1            07/30/02         00
    0414264622                           27           10/01/02          0
    0414264622                           O            09/01/32
    0

    7920535          E22/G02             F          128,600.00         ZZ
                                         360        128,499.68          1
                                       7.250            877.28         90
                                       7.000            877.28
    KENNEWICK        WA   99338          1            07/30/02         04
    0414286187                           05           09/01/02         25
    0414286187                           O            08/01/32
    0

    7920553          E22/G02             F          261,900.00         ZZ
                                         360        261,695.69          1
1

                                       7.250          1,786.62         90
                                       7.000          1,786.62
    MIAMI            FL   33178          5            08/01/02         01
    0414326876                           09           09/01/02         25
    0414326876                           O            08/01/32
    0

    7920563          E22/G02             F          148,000.00         ZZ
                                         360        147,875.67          1
                                       6.875            972.25         80
                                       6.625            972.25
    GRASS VALLEY     CA   95945          1            07/26/02         00
    0414345827                           05           09/01/02          0
    0414345827                           O            08/01/32
    0

    7920583          E22/G02             F          175,000.00         ZZ
                                         360        174,856.55          1
                                       7.000          1,164.28         80
                                       6.750          1,164.28
    VENTURA          CA   93001          5            07/29/02         00
    0414393017                           01           09/01/02          0
    0414393017                           O            08/01/32
    0

    7920601          E22/G02             F          117,000.00         ZZ
                                         360        116,804.94          3
                                       7.250            798.15         74
                                       7.000            798.15
    BRISTOL          CT   06010          5            08/01/02         00
    0414430579                           05           09/01/02          0
    0414430579                           O            08/01/32
    0

    7920613          E22/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       7.875          1,276.12         92
                                       7.625          1,276.12
    CLOVIS           CA   93612          5            07/30/02         01
    0414456079                           05           10/01/02         30
    0414456079                           O            09/01/32
    0

    7920615          E22/G02             F           84,000.00         ZZ
                                         360         83,942.19          1
                                       7.875            609.06         80
                                       7.625            609.06
    JUPITER          FL   33458          5            08/06/02         00
    0414456442                           01           09/01/02          0
1

    0414456442                           N            08/01/32
    0

    7920633          E22/G02             F          103,300.00         ZZ
                                         360        103,300.00          1
                                       7.250            704.69         87
                                       7.000            704.69
    KNOXVILLE        TN   37917          2            08/06/02         10
    0414479600                           01           10/01/02         25
    0414479600                           N            09/01/32
    0

    7920635          E22/G02             F           56,000.00         ZZ
                                         360         55,952.95          1
                                       6.875            367.88         54
                                       6.625            367.88
    THEODORE         AL   36582          5            08/01/02         00
    0414482232                           05           09/01/02          0
    0414482232                           O            08/01/32
    0

    7920665          E22/G02             F          238,000.00         ZZ
                                         360        237,800.05          1
                                       6.875          1,563.49         85
                                       6.625          1,563.49
    BERTHOUD         CO   80513          5            08/01/02         01
    0414514521                           05           09/01/02         12
    0414514521                           O            08/01/32
    0

    7920689          E22/G02             F          141,100.00         ZZ
                                         360        140,992.64          1
                                       7.375            974.54         95
                                       7.125            974.54
    DAWSONVILLE      GA   30534          5            07/31/02         01
    0414530329                           05           09/01/02         30
    0414530329                           O            08/01/32
    0

    7920711          E22/G02             F          240,000.00         ZZ
                                         360        239,798.37          1
                                       6.875          1,576.63         80
                                       6.625          1,576.63
    AMERICAN CANYON  CA   94503          5            07/26/02         00
    0414560037                           05           09/01/02          0
    0414560037                           O            08/01/32
    0

1

    7920715          E22/G02             F          111,625.00         ZZ
                                         360        111,540.06          1
                                       7.375            770.97         95
                                       7.125            770.97
    CLEARWATER       FL   33756          5            08/01/02         04
    0414566265                           05           09/01/02         30
    0414566265                           O            08/01/32
    0

    7920733          E22/G02             F           90,400.00         ZZ
                                         360         90,318.28          1
                                       6.500            571.39         80
                                       6.250            571.39
    CARROLLTON       TX   75006          1            08/05/02         00
    0414584805                           05           09/01/02          0
    0414584805                           O            08/01/32
    0

    7920749          E22/G02             F          174,400.00         ZZ
                                         360        174,260.53          1
                                       7.125          1,174.97         80
                                       6.875          1,174.97
    JUPITER          FL   33478          1            08/06/02         00
    0414635250                           05           09/01/02          0
    0414635250                           O            08/01/32
    0

    7920773          E82/G02             F          110,000.00         ZZ
                                         360        109,907.59          1
                                       6.875            722.62         70
                                       6.625            722.62
    YUMA             AZ   85364          2            07/29/02         00
    0400654992                           05           09/01/02          0
    1584098                              N            08/01/32
    0

    7920783          A80/G02             F           25,000.00         ZZ
                                         360         24,981.45          1
                                       7.500            174.80         42
                                       7.250            174.80
    MIAMI            FL   33172          5            07/30/02         00
    0434401907                           01           09/01/02          0
    020630846                            N            08/01/32
    0

    7920879          X08/G02             F          145,800.00         ZZ
                                         360        145,677.51          1
                                       6.875            957.80         90
                                       6.625            957.80
1

    EAGLE MOUNTAIN   UT   84043          1            07/23/02         10
    0434400800                           05           09/01/02         25
    2797278                              O            08/01/32
    0

    7920891          K15/G02             F          194,700.00         ZZ
                                         360        194,562.59          1
                                       7.750          1,394.85         95
                                       7.500          1,394.85
    AVON             OH   44011          5            07/26/02         10
    0434367603                           01           09/01/02         30
    028705500862                         O            08/01/32
    0

    7921519          F36/G02             F          146,000.00         ZZ
                                         360        145,871.19          1
                                       6.625            934.85         80
                                       6.375            934.85
    BUCKLEY          WA   98321          1            07/24/02         00
    0434456901                           05           09/01/02          0
    06404956                             O            08/01/32
    0

    7921943          K15/G02             F          197,000.00         ZZ
                                         360        196,838.52          2
                                       7.000          1,310.65         79
                                       6.750          1,310.65
    ROCKAWAY BEACH   NY   11693          5            07/25/02         00
    0434369609                           05           09/01/02          0
    021205501654                         O            08/01/32
    0

    7921993          T44/G02             F          256,000.00         ZZ
                                         360        255,800.30          1
                                       7.250          1,746.37         47
                                       7.000          1,746.37
    CARMEL VALLEY    CA   93924          1            07/23/02         00
    0434379046                           05           09/01/02          0
    1047031                              N            08/01/32
    0

    7922015          737/G02             F          142,000.00         ZZ
                                         360        141,899.77          1
                                       7.750          1,017.31         95
                                       7.500          1,017.31
    STONE MOUNTAIN   GA   30087          5            07/26/02         01
    0434410668                           05           09/01/02         30
    2077030                              O            08/01/32
    0
1

    7922077          X67/G02             F          262,500.00         ZZ
                                         360        262,305.19          3
                                       7.500          1,835.44         75
                                       7.250          1,835.44
    ALTADENA         CA   91001          5            07/22/02         00
    0434369575                           05           09/01/02          0
    00266110                             O            08/01/32
    0

    7922415          Q14/G02             F          117,600.00         ZZ
                                         360        117,501.20          1
                                       6.875            772.55         80
                                       6.625            772.55
    WILTON           IA   52778          2            07/29/02         00
    0434427456                           05           09/01/02          0
    0208333                              O            08/01/32
    0

    7922607          N47/G02             F          239,200.00         ZZ
                                         360        239,022.48          1
                                       7.500          1,672.52         80
                                       7.250          1,672.52
    OAKLAND          CA   94601          1            07/29/02         00
    0434394771                           05           09/01/02          0
    20221158                             N            08/01/32
    0

    7922665          E11/G02             F          190,000.00         ZZ
                                         360        189,828.24          1
                                       6.500          1,200.93         68
                                       6.250          1,200.93
    CHANHASSEN       MN   55317          1            07/31/02         00
    0434374518                           03           09/01/02          0
    008001044428                         O            08/01/32
    0

    7922853          E11/G02             F          115,000.00         ZZ
                                         360        114,903.38          1
                                       6.875            755.47         65
                                       6.625            755.47
    SAVAGE           MN   55378          1            07/31/02         00
    0434372413                           05           09/01/02          0
    0002001043678                        O            08/01/32
    0

    7922941          U05/G02             F          242,250.00         ZZ
                                         360        242,046.48          1
1

                                       6.875          1,591.41         95
                                       6.625          1,591.41
    BRIER            WA   98036          5            07/23/02         11
    0434387361                           05           09/01/02         30
    3246882                              O            08/01/32
    0

    7922987          F89/G02             F          232,800.00         ZZ
                                         360        232,604.42          1
                                       6.875          1,529.33         75
                                       6.625          1,529.33
    HIGHLAND         CA   92346          1            07/26/02         00
    0434390225                           05           09/01/02          0
    11122246                             O            08/01/32
    0

    7923311          E47/G02             F          132,000.00         ZZ
                                         360        131,889.10          1
                                       6.875            867.15         60
                                       6.625            867.15
    BRENTWOOD        CA   94513          5            07/08/02         00
    0434374021                           05           09/01/02          0
    7359510333                           O            08/01/32
    0

    7924153          E22/G02             F          194,700.00         ZZ
                                         360        194,336.43          1
                                       6.875          1,279.04         80
                                       6.625          1,279.04
    SANTA FE         NM   87508          1            08/07/02         00
    0414412163                           03           09/01/02          0
    0414412163                           O            08/01/32
    0

    7924155          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          4
                                       7.875          1,239.87         87
                                       7.625          1,239.87
    NEW ORLEANS      LA   70130          2            08/02/02         10
    0414413641                           05           10/01/02         25
    0414413641                           O            09/01/32
    0

    7924189          E22/G02             F          247,500.00         ZZ
                                         360        247,500.00          1
                                       6.375          1,544.08         90
                                       6.125          1,544.08
    AUSTIN           TX   78705          1            08/06/02         04
    0414465302                           05           10/01/02         25
1

    0414465302                           O            09/01/32
    0

    7924197          E22/G02             F          135,500.00         ZZ
                                         360        135,386.16          1
                                       6.875            890.14         80
                                       6.625            890.14
    SALEM            OR   97304          1            07/30/02         00
    0414471045                           05           09/01/02          0
    0414471045                           O            08/01/32
    0

    7924229          E22/G02             F           35,000.00         ZZ
                                         360         35,000.00          1
                                       7.750            250.74         62
                                       7.500            250.74
    CHARLESTON       SC   29407          1            08/07/02         00
    0414485698                           01           10/01/02          0
    0414485698                           N            09/01/32
    0

    7924235          E22/G02             F           46,400.00         ZZ
                                         360         46,400.00          1
                                       7.500            324.44         80
                                       7.250            324.44
    MEMPHIS          TN   38114          1            08/06/02         00
    0414489724                           05           10/01/02          0
    0414489724                           N            09/01/32
    0

    7924263          E22/G02             F           68,800.00         ZZ
                                         360         68,800.00          1
                                       7.250            469.34         80
                                       7.000            469.34
    ORANGE COVE      CA   93646          5            08/02/02         00
    0414510081                           05           10/01/02          0
    0414510081                           O            09/01/32
    0

    7924269          E22/G02             F           53,250.00         ZZ
                                         360         53,250.00          1
                                       7.500            372.33         80
                                       7.250            372.33
    LEXINGTON        KY   40508          2            08/07/02         00
    0414512806                           05           10/01/02          0
    0414512806                           N            09/01/32
    0

1

    7924295          E22/G02             F           93,000.00         ZZ
                                         360         93,000.00          1
                                       7.000            618.73         91
                                       6.750            618.73
    ELKHART          IN   46514          2            08/02/02         01
    0414522326                           05           10/01/02         30
    0414522326                           O            09/01/32
    0

    7924303          E22/G02             F           49,400.00         ZZ
                                         240         49,400.00          1
                                       7.875            409.37         90
                                       7.625            409.37
    ENID             OK   73703          5            08/02/02         04
    0414530089                           05           10/01/02         25
    0414530089                           O            09/01/22
    0

    7924311          E22/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.750            856.15         94
                                       6.500            856.15
    VIRGINIA BEACH   VA   23456          2            08/02/02         10
    0414536607                           05           10/01/02         30
    0414536607                           O            09/01/32
    0

    7924313          E22/G02             F          135,000.00         ZZ
                                         360        134,899.81          1
                                       7.500            943.94         66
                                       7.250            943.94
    PLANO            TX   75025          5            08/01/02         00
    0414543280                           03           09/01/02          0
    0414543280                           O            08/01/32
    0

    7924315          E22/G02             F           96,500.00         ZZ
                                         360         96,428.39          1
                                       7.500            674.74         90
                                       7.250            674.74
    LINCOLNTON       GA   30817          2            07/31/02         10
    0414545178                           05           09/01/02         30
    0414545178                           O            08/01/32
    0

    7924325          E22/G02             F          338,105.00         ZZ
                                         360        338,105.00          1
                                       7.625          2,393.09         95
                                       7.375          2,393.09
1

    LAKEPORT         CA   95453          1            08/02/02         01
    0414558288                           05           10/01/02         30
    0414558288                           O            09/01/32
    0

    7924327          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       7.250            920.94         75
                                       7.000            920.94
    MONTE RIO        CA   95462          5            08/01/02         00
    0414560862                           05           10/01/02          0
    0414560862                           O            09/01/32
    0

    7924331          E22/G02             F          184,000.00         ZZ
                                         360        183,856.47          1
                                       7.250          1,255.20         80
                                       7.000          1,255.20
    FISKDALE         MA   01518          5            08/02/02         00
    0414561662                           05           09/01/02          0
    0414561662                           O            08/01/32
    0

    7924345          E22/G02             F          287,200.00         ZZ
                                         360        287,200.00          1
                                       6.875          1,886.70         80
                                       6.625          1,886.70
    SAN DIEGO        CA   92111          1            08/04/02         00
    0414580704                           05           10/01/02          0
    0414580704                           O            09/01/32
    0

    7924347          E22/G02             F          191,200.00         ZZ
                                         360        191,200.00          1
                                       7.750          1,369.78         80
                                       7.500          1,369.78
    MIAMI            FL   33160          1            08/07/02         00
    0414582320                           06           10/01/02          0
    0414582320                           O            09/01/32
    0

    7924355          E22/G02             F          164,000.00         ZZ
                                         360        163,862.22          1
                                       6.875          1,077.36         80
                                       6.625          1,077.36
    LYNN             MA   01902          5            08/02/02         00
    0414592345                           05           09/01/02          0
    0414592345                           O            08/01/32
    0
1

    7924365          E22/G02             F           51,755.00         ZZ
                                         360         51,755.00          1
                                       7.875            375.26         95
                                       7.625            375.26
    ALAMOGORDO       NM   88310          1            08/07/02         01
    0414609305                           05           10/01/02         30
    0414609305                           O            09/01/32
    0

    7924367          E22/G02             F           95,900.00         ZZ
                                         360         95,900.00          1
                                       7.750            687.04         80
                                       7.500            687.04
    MIAMI            FL   33186          1            08/07/02         00
    0414623397                           01           10/01/02          0
    0414623397                           N            09/01/32
    0

    7924375          E22/G02             F          131,692.00         ZZ
                                         360        131,692.00          1
                                       7.000            876.15         80
                                       6.750            876.15
    LOVELAND         CO   80538          1            08/07/02         00
    0414663922                           03           10/01/02          0
    0414663922                           O            09/01/32
    0

    7924417          696/G02             F          200,800.00         ZZ
                                         360        200,643.36          1
                                       7.250          1,369.81         90
                                       7.000          1,369.81
    WASHINGTON       DC   20009          1            07/22/02         12
    0434433991                           01           09/01/02         25
    31202145                             N            08/01/32
    0

    7924479          E82/G02             F          132,500.00         ZZ
                                         360        132,500.00          1
                                       6.750            859.39         78
                                       6.500            859.39
    GUNTERSVILLE     AL   35976          2            08/02/02         00
    0400664454                           05           10/01/02          0
    3893722                              O            09/01/32
    0

    7924493          477/G02             F          136,500.00         ZZ
                                         360        136,388.11          1
1

                                       7.000            908.14         55
                                       6.750            908.14
    PORTLAND         OR   97236          1            07/29/02         00
    0434426904                           05           09/01/02          0
    226022                               O            08/01/32
    0

    7924497          B28/G02             F          199,500.00         ZZ
                                         360        199,336.47          1
                                       7.000          1,327.28         95
                                       6.750          1,327.28
    GRAND JUNCTION   CO   81506          1            07/29/02         01
    0434372009                           05           09/01/02         30
    01801702                             O            08/01/32
    0

    7924741          E86/G02             F          164,000.00         ZZ
                                         360        163,872.06          1
                                       7.250          1,118.77         80
                                       7.000          1,118.77
    PELHAM           NY   10803          1            07/19/02         00
    0434372728                           01           09/01/02          0
    0000192712                           O            08/01/32
    0

    7925349          U36/G02             F           60,000.00         ZZ
                                         360         59,952.02          1
                                       7.125            404.23         80
                                       6.875            404.23
    RIVERDALE        GA   30296          1            07/18/02         00
    0434388070                           05           09/01/02          0
    982701001                            N            08/01/32
    0

    7925361          N47/G02             F          237,600.00         ZZ
                                         360        237,405.24          1
                                       7.000          1,580.76         80
                                       6.750          1,580.76
    ESTACADA         OR   97023          5            07/26/02         00
    0434394045                           05           09/01/02          0
    20420690                             O            08/01/32
    0

    7925391          967/G02             F          101,250.00         ZZ
                                         360        101,250.00          2
                                       7.250            690.70         75
                                       7.000            690.70
    TACOMA           WA   98418          5            08/02/02         00
    0434388039                           05           10/01/02          0
1

    5626171                              N            09/01/32
    0

    7925421          714/G02             F          597,000.00         ZZ
                                         360        597,000.00          1
                                       6.500          3,773.45         46
                                       6.250          3,773.45
    GREEN LAKE       WI   54941          2            08/05/02         00
    0434413258                           05           10/01/02          0
    231058100                            O            09/01/32
    0

    7925579          721/G02             F          135,000.00         ZZ
                                         360        134,897.27          1
                                       7.375            932.42         90
                                       7.125            932.42
    MAPLE GROVE      MN   55369          1            07/25/02         01
    0434384913                           09           09/01/02         25
    7890825721                           N            08/01/32
    0

    7925695          E46/G02             F          121,000.00         ZZ
                                         240        120,756.95          1
                                       6.625            911.07         68
                                       6.375            911.07
    ABSECON          NJ   08201          2            07/17/02         00
    0434383907                           05           09/01/02          0
    00512112                             O            08/01/22
    0

    7925791          A21/G02             F          265,000.00         ZZ
                                         360        265,000.00          1
                                       7.000          1,763.06         65
                                       6.750          1,763.06
    EMERSON          NJ   07630          1            08/06/02         00
    0434385233                           05           10/01/02          0
    0100133178                           O            09/01/32
    0

    7927109          883/G02             F          252,400.00         ZZ
                                         360        252,221.86          1
                                       7.750          1,808.22         78
                                       7.500          1,808.22
    LOXAHATCHEE      FL   33470          4            07/31/02         00
    0434408670                           05           09/01/02          0
    05014110                             O            08/01/32
    0

1

    7927191          676/G02             F          182,200.00         T
                                         300        181,966.04          1
                                       6.750          1,258.84         73
                                       6.500          1,258.84
    WAILUKU          HI   96793          1            07/26/02         00
    0434497038                           01           09/01/02          0
    6002516940                           O            08/01/27
    0

    7927343          F25/G02             F          786,500.00         ZZ
                                         360        786,500.00          1
                                       6.875          5,166.75         65
                                       6.625          5,166.75
    MOUNT KISCO      NY   10549          1            08/08/02         00
    0434394904                           05           10/01/02          0
    87522501                             O            09/01/32
    0

    7927425          696/G02             F          148,800.00         ZZ
                                         360        148,686.78          1
                                       7.375          1,027.72         80
                                       7.125          1,027.72
    ALEXANDRIA       VA   22312          1            08/02/02         00
    0434385431                           01           09/01/02          0
    21702132                             O            08/01/32
    0

    7927455          E47/G02             F          143,200.00         ZZ
                                         360        143,079.70          1
                                       6.875            940.72         80
                                       6.625            940.72
    WAUKEGAN         IL   60087          5            07/24/02         00
    0434404471                           05           09/01/02          0
    7360513857                           O            08/01/32
    0

    7927519          X19/G02             F          160,000.00         T
                                         360        160,000.00          1
                                       7.750          1,146.26         76
                                       7.500          1,146.26
    JENSEN BEACH     FL   34957          1            08/08/02         00
    0434375622                           08           10/01/02          0
    22061403                             O            09/01/32
    0

    7927899          E22/G02             F          156,750.00         ZZ
                                         360        156,642.12          1
                                       7.875          1,136.55         95
                                       7.625          1,136.55
1

    MODESTO          CA   95355          5            07/25/02         04
    0414269043                           05           09/01/02         30
    0414269043                           O            08/01/32
    0

    7927919          E22/G02             F           92,650.00         ZZ
                                         360         92,650.00          1
                                       7.250            632.04         85
                                       7.000            632.04
    BOISE            ID   83706          5            08/01/02         04
    0414397018                           05           10/01/02         12
    0414397018                           O            09/01/32
    0

    7927981          E22/G02             F          471,250.00         ZZ
                                         360        470,925.69          1
                                       7.875          3,416.89         68
                                       7.625          3,416.89
    DALLAS           TX   75230          1            08/02/02         00
    0414577650                           03           09/01/02          0
    0414577650                           N            08/01/32
    0

    7928093          E82/G02             F          117,000.00         ZZ
                                         360        117,000.00          1
                                       6.875            768.61         70
                                       6.625            768.61
    NORCO            CA   92860          2            08/05/02         00
    0400652517                           05           10/01/02          0
    1948613                              N            09/01/32
    0

    7928103          E82/G02             F          109,500.00         ZZ
                                         360        109,500.00          1
                                       7.000            728.51         17
                                       6.750            728.51
    WEST END         NC   27376          2            08/06/02         00
    0400639175                           03           10/01/02          0
    6596404                              O            09/01/32
    0

    7928269          K15/G02             F          122,400.00         ZZ
                                         360        122,400.00          1
                                       7.750            876.89         90
                                       7.500            876.89
    LANCASTER        SC   29720          5            07/30/02         11
    0434374633                           05           10/01/02         25
    002305304122                         O            09/01/32
    0
1

    7928379          X05/G02             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       7.000          2,235.42         80
                                       6.750          2,235.42
    CHULA VISTA      CA   91910          1            08/02/02         00
    0434431060                           05           10/01/02          0
    01207180                             O            09/01/32
    0

    7929869          M82/G02             F          165,000.00         ZZ
                                         360        165,000.00          1
                                       7.125          1,111.64         73
                                       6.875          1,111.64
    SUWANEE          GA   30024          1            08/07/02         00
    0434389672                           05           10/01/02          0
    10336                                O            09/01/32
    0

    7929903          N74/G02             F           39,000.00         ZZ
                                         360         39,000.00          1
                                       7.125            262.75         60
                                       6.875            262.75
    LITTLE ROCK      AR   72223          5            07/29/02         00
    0434393351                           05           10/01/02          0
    0030519010                           O            09/01/32
    0

    7929979          N74/G02             F          235,000.00         ZZ
                                         360        235,000.00          1
                                       6.375          1,466.09         82
                                       6.125          1,466.09
    STAUNTON         VA   24401          5            07/30/02         10
    0434391868                           05           10/01/02         12
    0030518010                           O            09/01/32
    0

    7929983          588/G02             F          172,000.00         ZZ
                                         360        171,730.85          1
                                       7.250          1,173.34         72
                                       7.000          1,173.34
    PARSIPPANY TROY  NJ   07054          5            06/21/02         00
    0434406666                           05           08/01/02          0
    1065909                              O            07/01/32
    0

    7930085          P01/G02             F           69,700.00         ZZ
                                         300         69,612.23          1
1

                                       6.875            487.09         88
                                       6.625            487.09
    TROY             NY   12182          2            07/31/02         04
    0434394516                           05           09/05/02         25
    02002978                             O            08/05/27
    0

    7930097          X75/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       6.875            630.65         48
                                       6.625            630.65
    PITTSBURG        CA   94565          5            07/31/02         00
    0434375523                           05           10/01/02          0
    2070016                              O            09/01/32
    0

    7930215          944/G02             F          150,100.00         ZZ
                                         360        150,100.00          1
                                       7.250          1,023.95         95
                                       7.000          1,023.95
    CHANDLER         AZ   85226          5            08/05/02         04
    0434393518                           05           10/01/02         30
    W01609915                            O            09/01/32
    0

    7930381          964/G02             F          224,000.00         ZZ
                                         360        223,807.14          1
                                       6.750          1,452.86         80
                                       6.500          1,452.86
    ANTELOPE         CA   95843          1            08/06/02         00
    0434463923                           05           09/01/02          0
    235196                               O            08/01/32
    0

    7930383          964/G02             F          270,000.00         ZZ
                                         360        270,000.00          1
                                       6.625          1,728.84         69
                                       6.375          1,728.84
    SAN LUIS OBISPO  CA   93405          5            07/31/02         00
    0434429882                           05           10/01/02          0
    235244                               O            09/01/32
    0

    7930397          964/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.250          1,385.36         41
                                       6.000          1,385.36
    PLEASANT HILL    CA   94523          1            08/06/02         00
    0434426045                           05           10/01/02          0
1

    236257                               O            09/01/32
    0

    7930405          964/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         74
                                       6.125          1,247.74
    MOUNTAIN VIEW    CA   94050          1            08/06/02         00
    0434433124                           01           10/01/02          0
    237130                               O            09/01/32
    0

    7930419          964/G02             F          199,600.00         T
                                         360        199,600.00          1
                                       6.625          1,278.06         80
                                       6.375          1,278.06
    SHAVER LAKE      CA   93664          1            08/01/02         00
    0434433421                           05           10/01/02          0
    240806                               O            09/01/32
    0

    7930421          964/G02             F          156,800.00         ZZ
                                         360        156,665.00          1
                                       6.750          1,017.00         80
                                       6.500          1,017.00
    PORTLAND         OR   97212          1            07/31/02         00
    0434411914                           05           09/01/02          0
    242256                               N            08/01/32
    0

    7930423          964/G02             F          139,500.00         ZZ
                                         360        139,500.00          1
                                       6.875            916.42         90
                                       6.625            916.42
    CLOVIS           CA   93612          1            08/07/02         01
    0434445870                           05           10/01/02         25
    242405                               O            09/01/32
    0

    7930427          964/G02             F          205,000.00         ZZ
                                         360        204,831.96          1
                                       7.000          1,363.87         57
                                       6.750          1,363.87
    SAN FRANCISCO    CA   94134          2            07/22/02         00
    0434412128                           05           09/01/02          0
    223076                               O            08/01/32
    0

1

    7930433          964/G02             F          204,250.00         ZZ
                                         360        204,250.00          3
                                       7.000          1,358.88         95
                                       6.750          1,358.88
    WOOD VILLAGE     OR   97060          1            08/02/02         04
    0434423877                           05           10/01/02         30
    224173                               O            09/01/32
    0

    7930439          964/G02             F          275,000.00         ZZ
                                         360        274,768.96          1
                                       6.875          1,806.56         37
                                       6.625          1,806.56
    SAN ANSELMO      CA   94960          2            07/25/02         00
    0434443693                           05           09/01/02          0
    225964                               O            08/01/32
    0

    7930447          964/G02             F          123,700.00         ZZ
                                         360        123,588.17          1
                                       6.500            781.87         83
                                       6.250            781.87
    HENDERSON        NV   89052          2            07/17/02         10
    0434426342                           05           09/01/02         12
    227259                               O            08/01/32
    0

    7930449          964/G02             F          300,700.00         ZZ
                                         360        300,421.49          1
                                       6.375          1,875.98         53
                                       6.125          1,875.98
    YORBA LINDA      CA   92887          2            07/23/02         00
    0434442984                           05           09/01/02          0
    227896                               O            08/01/32
    0

    7930455          964/G02             F           95,000.00         ZZ
                                         360         94,909.86          1
                                       6.250            584.93         28
                                       6.000            584.93
    NIPOMO           CA   93444          5            07/27/02         00
    0434429551                           05           09/01/02          0
    207174                               O            08/01/32
    0

    7930459          964/G02             F          125,000.00         ZZ
                                         360        124,889.71          1
                                       6.625            800.39         45
                                       6.375            800.39
1

    SALEM            OR   97303          5            07/18/02         00
    0434419206                           05           09/01/02          0
    228532                               O            08/01/32
    0

    7930463          964/G02             F          150,000.00         ZZ
                                         360        149,861.07          1
                                       6.375            935.81         43
                                       6.125            935.81
    PASO ROBLES      CA   93446          1            07/16/02         00
    0434414017                           05           09/01/02          0
    228931                               O            08/01/32
    0

    7930465          964/G02             F          200,000.00         ZZ
                                         360        199,831.97          1
                                       6.875          1,313.86         75
                                       6.625          1,313.86
    SAN LEANDRO      CA   94578          2            07/26/02         00
    0434445755                           05           09/01/02          0
    228954                               O            08/01/32
    0

    7930467          964/G02             F          162,000.00         ZZ
                                         360        161,867.21          1
                                       7.000          1,077.79         60
                                       6.750          1,077.79
    TAHOMA           CA   96142          2            07/26/02         00
    0434416269                           05           09/01/02          0
    229504                               O            08/01/32
    0

    7930469          964/G02             F          200,000.00         ZZ
                                         360        199,827.80          1
                                       6.750          1,297.20         58
                                       6.500          1,297.20
    RANCHO MURIETA   CA   95683          2            07/26/02         00
    0434417861                           03           09/01/02          0
    229565                               O            08/01/32
    0

    7930471          964/G02             F           75,050.00         ZZ
                                         360         75,050.00          1
                                       6.875            493.03         43
                                       6.625            493.03
    GRESHAM          OR   97080          5            08/01/02         00
    0434429007                           05           10/01/02          0
    229627                               O            09/01/32
    0
1

    7930473          964/G02             F          293,000.00         ZZ
                                         360        292,728.62          1
                                       6.375          1,827.94         59
                                       6.125          1,827.94
    HERCULES         CA   94547          5            07/31/02         00
    0434412490                           03           09/01/02          0
    229770                               O            08/01/32
    0

    7930475          964/G02             F          161,250.00         ZZ
                                         360        161,114.53          1
                                       6.875          1,059.30         75
                                       6.625          1,059.30
    CAMERON PARK     CA   95682          5            07/30/02         00
    0434418943                           05           09/01/02          0
    229792                               O            08/01/32
    0

    7930479          964/G02             F          238,700.00         ZZ
                                         360        238,700.00          1
                                       6.125          1,450.37         70
                                       5.875          1,450.37
    CITRUS HEIGHTS   CA   95610          1            07/31/02         00
    0434415105                           05           10/01/02          0
    230128                               O            09/01/32
    0

    7930481          964/G02             F          195,000.00         ZZ
                                         360        194,832.11          1
                                       6.750          1,264.77         46
                                       6.500          1,264.77
    SAN FRANCISCO    CA   94112          2            07/18/02         00
    0434427761                           05           09/01/02          0
    230132                               O            08/01/32
    0

    7930485          964/G02             F          273,000.00         ZZ
                                         360        272,753.20          1
                                       6.500          1,725.55         48
                                       6.250          1,725.55
    SEBASTOPOL       CA   95472          5            07/30/02         00
    0434429809                           05           09/01/02          0
    230831                               O            08/01/32
    0

    7930487          964/G02             F          180,000.00         ZZ
                                         360        179,856.06          1
1

                                       7.125          1,212.69         80
                                       6.875          1,212.69
    MARYSVILLE       WA   98270          2            07/23/02         00
    0434429775                           03           09/01/02          0
    230921                               O            08/01/32
    0

    7930491          964/G02             F          217,000.00         ZZ
                                         360        216,817.69          1
                                       6.875          1,425.54         75
                                       6.625          1,425.54
    ATASCADERO       CA   93422          2            07/27/02         00
    0434431227                           05           09/01/02          0
    231542                               O            08/01/32
    0

    7930495          964/G02             F          142,500.00         ZZ
                                         360        142,374.28          1
                                       6.625            912.44         75
                                       6.375            912.44
    PORTLAND         OR   97236          5            07/31/02         00
    0434416970                           05           09/01/02          0
    232123                               O            08/01/32
    0

    7930497          964/G02             F          155,000.00         ZZ
                                         360        155,000.00          1
                                       6.375            967.00         37
                                       6.125            967.00
    SAN LUIS OBISPO  CA   93401          2            07/31/02         00
    0434414660                           05           10/01/02          0
    232257                               O            09/01/32
    0

    7930499          964/G02             F          275,000.00         ZZ
                                         360        274,768.96          1
                                       6.875          1,806.56         68
                                       6.625          1,806.56
    SAN JOSE         CA   95119          2            07/29/02         00
    0434417549                           05           09/01/02          0
    232289                               O            08/01/32
    0

    7930505          964/G02             F          184,000.00         ZZ
                                         360        183,852.86          2
                                       7.125          1,239.64         80
                                       6.875          1,239.64
    BOISE            ID   83709          1            07/24/02         00
    0434452595                           05           09/01/02          0
1

    232396                               N            08/01/32
    0

    7930507          964/G02             F          243,750.00         ZZ
                                         360        243,750.00          1
                                       6.625          1,560.76         75
                                       6.375          1,560.76
    HAWTHORNE (AREA  CA   90250          5            08/01/02         00
    0434443917                           05           10/01/02          0
    232418                               O            09/01/32
    0

    7930511          964/G02             F           55,000.00         ZZ
                                         360         55,000.00          1
                                       6.375            343.13         17
                                       6.125            343.13
    SEATTLE          WA   98103          5            08/01/02         00
    0434412870                           05           10/01/02          0
    232732                               O            09/01/32
    0

    7930513          964/G02             F          183,200.00         ZZ
                                         360        183,053.50          1
                                       7.125          1,234.25         80
                                       6.875          1,234.25
    BOISE            ID   83709          1            07/24/02         00
    0434452751                           05           09/01/02          0
    232754                               N            08/01/32
    0

    7930517          964/G02             F          150,000.00         ZZ
                                         360        149,870.85          1
                                       6.750            972.90         58
                                       6.500            972.90
    TAOS             NM   87571          5            07/25/02         00
    0434425823                           05           09/01/02          0
    232858                               O            08/01/32
    0

    7930519          964/G02             F          233,950.00         ZZ
                                         360        233,950.00          1
                                       6.875          1,536.89         75
                                       6.625          1,536.89
    PETALUMA         CA   94954          5            07/30/02         00
    0434463972                           05           10/01/02          0
    232869                               O            09/01/32
    0

1

    7930523          964/G02             F          144,200.00         ZZ
                                         360        144,200.00          1
                                       6.625            923.33         75
                                       6.375            923.33
    EUGENE           OR   97402          1            08/05/02         00
    0434431045                           05           10/01/02          0
    233082                               N            09/01/32
    0

    7930575          R84/G02             F          318,250.00         ZZ
                                         360        317,976.00          1
                                       6.750          2,064.16         95
                                       6.500          2,064.16
    KENT             WA   98042          1            07/22/02         11
    0434388062                           05           09/01/02         25
    700250                               O            08/01/32
    0

    7930593          T29/G02             F          101,250.00         ZZ
                                         360        101,180.32          2
                                       7.875            734.13         75
                                       7.625            734.13
    PINETOP          AZ   85935          5            07/30/02         00
    0434401063                           05           09/01/02          0
    1210874                              N            08/01/32
    0

    7930635          M27/G02             F           76,550.00         ZZ
                                         360         76,487.25          1
                                       7.000            509.29         80
                                       6.750            509.29
    MADISON          TN   37115          5            07/31/02         00
    0434394334                           05           09/01/02          0
    SUTHERLAND                           N            08/01/32
    0

    7930777          L76/G02             F          408,000.00         ZZ
                                         360        408,000.00          1
                                       6.500          2,578.84         79
                                       6.250          2,578.84
    LAKEVILLE        MN   55044          2            08/09/02         00
    0434388104                           05           10/01/02          0
    9507014                              O            09/01/32
    0

    7931115          642/G02             F           73,800.00         ZZ
                                         360         73,800.00          1
                                       6.875            484.81         90
                                       6.625            484.81
1

    PUEBLO           CO   81006          1            08/02/02         10
    0434410791                           05           10/01/02         25
    07136802                             O            09/01/32
    0

    7931223          B57/G02             F          469,000.00         ZZ
                                         360        468,586.21          1
                                       6.625          3,003.06         76
                                       6.375          3,003.06
    SANTA CLARITA    CA   91321          5            07/31/02         00
    0434498531                           05           09/01/02          0
    10004285                             O            08/01/32
    0

    7931371          964/G02             F           47,250.00         ZZ
                                         360         47,250.00          1
                                       7.250            322.33         90
                                       7.000            322.33
    HOCKLEY          TX   77447          1            08/05/02         12
    0434425385                           03           10/01/02         25
    236139                               N            09/01/32
    0

    7931375          964/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.875            788.31         80
                                       6.625            788.31
    HOUSTON          TX   77077          1            08/01/02         00
    0434428645                           03           10/01/02          0
    233430                               N            09/01/32
    0

    7933735          E47/G02             F          117,600.00         ZZ
                                         360        117,503.60          1
                                       7.000            782.40         80
                                       6.750            782.40
    AUSTIN           TX   78749          5            07/23/02         00
    0434446506                           01           09/01/02          0
    7362511305                           O            08/01/32
    0

    7933893          E47/G02             F          134,000.00         ZZ
                                         360        133,884.63          1
                                       6.750            869.12         59
                                       6.500            869.12
    DALLAS           TX   75214          5            07/24/02         00
    0434445789                           05           09/01/02          0
    7362511297                           O            08/01/32
    0
1

    7934051          G51/G02             F          150,000.00         ZZ
                                         360        149,870.85          1
                                       6.750            972.90         75
                                       6.500            972.90
    WILLIAMSBURG     VA   23185          1            07/25/02         00
    0434465712                           05           09/01/02          0
    0593248                              O            08/01/32
    0

    7934333          U05/G02             F          313,000.00         ZZ
                                         360        312,737.04          1
                                       6.875          2,056.19         88
                                       6.625          2,056.19
    DEMFRIES         VA   22026          5            08/02/02         14
    0434559589                           03           09/01/02         25
    3228949                              O            08/01/32
    0

    7934345          111/111             F          314,000.00         ZZ
                                         240        313,378.71          1
                                       6.750          2,387.54         77
                                       6.500          2,387.54
    CHINO HILLS      CA   91709          2            07/29/02         00
    684001051711                         05           09/01/02          0
    684001051711                         O            08/01/22
    0

    7934733          253/253             F          136,000.00         ZZ
                                         360        135,877.05          1
                                       6.500            859.62         80
                                       6.250            859.62
    ALLEN            TX   75002          1            07/26/02         00
    428043                               05           09/01/02          0
    428043                               O            08/01/32
    0

    7935131          W68/G02             F          176,400.00         ZZ
                                         360        176,255.41          1
                                       7.000          1,173.59         90
                                       6.750          1,173.59
    PLANO            TX   75023          1            07/24/02         28
    0434450714                           05           09/01/02         25
    27750                                O            08/01/32
    0

    7936587          286/286             F          270,000.00         ZZ
                                         360        269,577.47          1
1

                                       7.250          1,841.88         90
                                       7.000          1,841.88
    ALEXANDRIA       VA   22312          1            06/28/02         11
    1342991                              05           08/01/02         25
    1342991                              O            07/01/32
    0

    7936589          286/286             F          169,450.00         ZZ
                                         360        169,197.70          1
                                       7.500          1,184.82         90
                                       7.250          1,184.82
    FORT MYERS       FL   33912          1            06/28/02         12
    1333581                              03           08/01/02         25
    1333581                              N            07/01/32
    0

    7936591          286/286             F          167,300.00         ZZ
                                         360        167,050.90          1
                                       7.500          1,169.79         90
                                       7.250          1,169.79
    FORT MYERS       FL   33912          1            06/28/02         12
    1333582                              03           08/01/02         25
    1333582                              N            07/01/32
    0

    7936599          286/286             F          250,000.00         ZZ
                                         360        249,578.72          1
                                       6.875          1,642.33         56
                                       6.625          1,642.33
    ASHLAND          OR   97520          2            06/20/02         00
    1333570                              05           08/01/02          0
    1333570                              O            07/01/32
    0

    7936601          286/286             F          142,320.00         ZZ
                                         360        142,097.27          1
                                       7.250            970.88         80
                                       7.000            970.88
    OVIEDO           FL   32765          1            06/25/02         00
    1309702                              03           08/01/02          0
    1309702                              O            07/01/32
    0

    7936603          286/286             F          160,000.00         ZZ
                                         360        159,736.92          1
                                       7.000          1,064.49         80
                                       6.750          1,064.49
    CITRUS HEIGHTS   CA   95621          1            06/26/02         00
    801307                               05           08/01/02          0
1

    801307                               O            07/01/32
    0

    7936605          286/286             F          388,000.00         ZZ
                                         360        387,324.95          1
                                       7.125          2,614.03         80
                                       6.875          2,614.03
    CHULA VISTA      CA   91910          1            06/20/02         00
    1351074                              05           08/01/02          0
    1351074                              O            07/01/32
    0

    7936607          286/286             F          400,000.00         ZZ
                                         360        399,672.12          1
                                       7.000          2,661.21         80
                                       6.750          2,661.21
    EUGENE           OR   97402          5            06/27/02         00
    1297927                              05           09/01/02          0
    1297927                              O            08/01/32
    0

    7936619          286/286             F          164,300.00         ZZ
                                         360        164,036.44          1
                                       7.125          1,106.92         80
                                       6.875          1,106.92
    NAPLES           FL   34119          1            06/26/02         00
    1335549                              05           08/01/02          0
    1335549                              N            07/01/32
    0

    7936623          286/286             F          246,400.00         ZZ
                                         360        246,014.40          2
                                       7.250          1,680.89         85
                                       7.000          1,680.89
    PORTSMOUTH       NH   03801          1            06/28/02         12
    1299715                              05           08/01/02         12
    1299715                              O            07/01/32
    0

    7936627          286/286             F           58,400.00         ZZ
                                         360         58,319.34          1
                                       7.875            423.45         80
                                       7.625            423.45
    W HARTFORD       CT   06107          1            06/26/02         00
    1353097                              01           08/01/02          0
    1353097                              N            07/01/32
    0

1

    7936629          286/286             F           56,250.00         ZZ
                                         360         56,164.14          1
                                       7.375            388.50         75
                                       7.125            388.50
    PHOENIX          AZ   85018          5            06/14/02         00
    1333601                              01           08/01/02          0
    1333601                              N            07/01/32
    0

    7936633          286/286             F          227,200.00         ZZ
                                         360        226,746.42          1
                                       7.000          1,511.57         80
                                       6.750          1,511.57
    BEL AIR          MD   21015          1            06/27/02         00
    1272974                              03           08/01/02          0
    1272974                              O            07/01/32
    0

    7936637          286/286             F           44,000.00         ZZ
                                         360         43,934.48          1
                                       7.500            307.66         80
                                       7.250            307.66
    ST CLOUD         FL   34764          1            06/25/02         00
    1355749                              05           08/01/02          0
    1355749                              N            07/01/32
    0

    7936639          286/286             F           52,000.00         ZZ
                                         360         51,961.40          1
                                       7.500            363.60         80
                                       7.250            363.60
    KISSIMMEE        FL   34741          1            07/10/02         00
    1398350                              05           09/01/02          0
    1398350                              N            08/01/32
    0

    7936645          286/286             F          299,950.00         ZZ
                                         360        299,698.00          1
                                       6.875          1,970.46         80
                                       6.625          1,970.46
    FOLSOM           CA   95630          1            07/09/02         00
    1396057                              05           09/01/02          0
    1396057                              O            08/01/32
    0

    7936649          286/286             F          179,000.00         ZZ
                                         360        178,712.85          1
                                       7.125          1,205.96         77
                                       6.875          1,205.96
1

    HURST            TX   76180          2            06/28/02         00
    1008827                              05           08/01/02          0
    1008827                              N            07/01/32
    0

    7936651          286/286             F          227,000.00         ZZ
                                         360        226,635.84          1
                                       7.125          1,529.35         80
                                       6.875          1,529.35
    HURST            TX   76180          2            06/28/02         00
    1008842                              05           08/01/02          0
    1008842                              N            07/01/32
    0

    7936653          286/286             F           62,900.00         ZZ
                                         360         62,850.93          1
                                       7.250            429.09         90
                                       7.000            429.09
    ERIE             PA   16504          1            07/11/02         12
    1373723                              05           09/01/02         25
    1373723                              O            08/01/32
    0

    7936659          286/286             F           41,750.00         ZZ
                                         360         41,719.78          1
                                       7.625            295.51         85
                                       7.375            295.51
    PHILADELPHIA     PA   19126          1            07/09/02         12
    1075835                              05           09/01/02         12
    1075835                              O            08/01/32
    0

    7936661          286/286             F          154,800.00         ZZ
                                         360        154,569.50          3
                                       7.500          1,082.39         90
                                       7.250          1,082.39
    WATERBURY        CT   06708          1            07/03/02         12
    1065870                              05           08/01/02         25
    1065870                              N            07/01/32
    0

    7936665          286/286             F          115,000.00         ZZ
                                         360        114,820.02          2
                                       7.250            784.51         63
                                       7.000            784.51
    CHICAGO          IL   60623          5            06/24/02         00
    1337301                              05           08/01/02          0
    1337301                              N            07/01/32
    0
1

    7936667          286/286             F          204,250.00         ZZ
                                         360        203,974.98          3
                                       8.000          1,498.72         95
                                       7.750          1,498.72
    CHICAGO          IL   60619          1            06/28/02         10
    1353372                              05           08/01/02         35
    1353372                              O            07/01/32
    0

    7936675          286/286             F           47,250.00         ZZ
                                         360         47,184.74          1
                                       7.875            342.60         75
                                       7.625            342.60
    INDIANAPOLIS     IN   46205          5            06/27/02         00
    1350633                              05           08/01/02          0
    1350633                              N            07/01/32
    0

    7936677          286/286             F           46,500.00         ZZ
                                         360         46,435.79          1
                                       7.875            337.16         75
                                       7.625            337.16
    INDIANAPOLIS     IN   46218          5            06/27/02         00
    1350708                              05           08/01/02          0
    1350708                              N            07/01/32
    0

    7936679          286/286             F           45,000.00         ZZ
                                         360         44,937.84          1
                                       7.875            326.29         75
                                       7.625            326.29
    INDIANAPOLIS     IN   46218          5            06/27/02         00
    1350717                              05           08/01/02          0
    1350717                              N            07/01/32
    0

    7936683          286/286             F          146,250.00         ZZ
                                         360        146,124.08          1
                                       6.750            948.58         75
                                       6.500            948.58
    DAYTONA BEACH    FL   32127          1            07/01/02         00
    1328271                              03           09/01/02          0
    1328271                              N            08/01/32
    0

    7936687          286/286             F          300,000.00         ZZ
                                         360        299,518.76          1
1

                                       7.125          2,021.16         75
                                       6.875          2,021.16
    GLASTONBURY      CT   06033          1            06/28/02         00
    1357649                              05           08/01/02          0
    1357649                              O            07/01/32
    0

    7936689          286/286             F          228,000.00         ZZ
                                         360        179,920.13          1
                                       7.375          1,574.74         62
                                       7.125          1,574.74
    GOLDEN           CO   80403          2            06/11/02         00
    1335580                              03           08/01/02          0
    1335580                              N            07/01/32
    0

    7936691          286/286             F           56,000.00         ZZ
                                         360         55,914.51          1
                                       7.375            386.78         66
                                       7.125            386.78
    WARREN           MI   48089          2            07/01/02         00
    1353383                              05           08/01/02          0
    1353383                              N            07/01/32
    0

    7936697          286/286             F          500,000.00         ZZ
                                         360        499,547.98          1
                                       6.500          3,160.35         51
                                       6.250          3,160.35
    MIAMI            FL   33156          5            07/01/02         00
    1353430                              05           09/01/02          0
    1353430                              O            08/01/32
    0

    7936701          286/286             F           75,600.00         ZZ
                                         360         75,478.72          1
                                       7.125            509.34         90
                                       6.875            509.34
    NEWPORTS NEWS    VA   23606          1            06/28/02         10
    1325495                              05           08/01/02         25
    1325495                              N            07/01/32
    0

    7936707          286/286             F           40,000.00         ZZ
                                         360         39,972.47          2
                                       7.875            290.03         80
                                       7.625            290.03
    MUNCIE           IN   47302          5            07/19/02         00
    1414171                              05           09/01/02          0
1

    1414171                              N            08/01/32
    0

    7936711          286/286             F          115,200.00         ZZ
                                         360        115,105.57          1
                                       7.000            766.43         80
                                       6.750            766.43
    BLOOMINGTON      IL   61701          1            07/03/02         00
    1302198                              05           09/01/02          0
    1302198                              O            08/01/32
    0

    7936713          286/286             F          200,000.00         ZZ
                                         360        199,847.81          1
                                       7.375          1,381.36         80
                                       7.125          1,381.36
    MESA             AZ   85204          1            07/03/02         00
    1392538                              05           09/01/02          0
    1392538                              O            08/01/32
    0

    7936715          286/286             F          130,500.00         ZZ
                                         360        130,410.19          2
                                       7.875            946.22         90
                                       7.625            946.22
    HIGHLANDS        NJ   07732          1            07/02/02         12
    1310028                              05           09/01/02         25
    1310028                              N            08/01/32
    0

    7936717          286/286             F          382,500.00         ZZ
                                         360        381,707.76          1
                                       7.000          2,544.79         69
                                       6.750          2,544.79
    PHOENIX          AZ   85028          2            06/27/02         00
    1346263                              05           08/01/02          0
    1346263                              N            07/01/32
    0

    7936719          286/286             F          422,100.00         ZZ
                                         360        421,405.98          1
                                       7.000          2,808.25         90
                                       6.750          2,808.25
    RYE              NH   03870          1            06/26/02         12
    1322270                              05           08/01/02         25
    1322270                              O            07/01/32
    0

1

    7936721          286/286             F           67,500.00         ZZ
                                         360         67,396.95          1
                                       7.375            466.21         90
                                       7.125            466.21
    INDIANAPOLIS     IN   46239          1            07/01/02         12
    1322655                              05           08/01/02         25
    1322655                              N            07/01/32
    0

    7936723          286/286             F           90,000.00         ZZ
                                         360         89,844.58          1
                                       6.750            583.74         36
                                       6.500            583.74
    CINCINNATI       OH   45242          1            07/03/02         00
    1331874                              05           08/01/02          0
    1331874                              O            07/01/32
    0

    7936725          286/286             F          100,000.00         ZZ
                                         360         99,828.46          1
                                       7.125            673.72         80
                                       6.875            673.72
    GLENSIDE         PA   19038          1            06/28/02         00
    1045071                              05           08/01/02          0
    1045071                              O            07/01/32
    0

    7936727          286/286             F          117,650.00         ZZ
                                         360        117,461.28          1
                                       7.125            792.63         75
                                       6.875            792.63
    HICKORY          NC   28602          5            06/27/02         00
    1096596                              05           08/01/02          0
    1096596                              N            07/01/32
    0

    7936729          286/286             F          116,900.00         ZZ
                                         360        116,707.80          1
                                       7.000            777.74         75
                                       6.750            777.74
    HICKORY          NC   28602          5            06/27/02         00
    1100615                              05           08/01/02          0
    1100615                              N            07/01/32
    0

    7936731          286/286             F          119,900.00         ZZ
                                         360        119,702.86          1
                                       7.000            797.70         75
                                       6.750            797.70
1

    HICKORY          NC   28602          5            06/27/02         00
    1100698                              05           08/01/02          0
    1100698                              N            07/01/32
    0

    7936733          286/286             F          174,600.00         ZZ
                                         360        174,479.83          4
                                       7.875          1,265.98         90
                                       7.625          1,265.98
    SPRINGFIELD      MA   01105          1            07/08/02         11
    1360844                              05           09/01/02         25
    1360844                              N            08/01/32
    0

    7936739          286/286             F           98,400.00         ZZ
                                         360         98,210.15          1
                                       6.750            638.23         80
                                       6.500            638.23
    ARLINGTON        TX   76017          1            07/01/02         00
    1374509                              05           08/01/02          0
    1374509                              N            07/01/32
    0

    7936743          286/286             F          160,000.00         ZZ
                                         360        128,685.97          1
                                       8.000          1,174.03         32
                                       7.750          1,174.03
    OAK BROOK        IL   60523          5            06/28/02         00
    1348771                              05           09/01/02          0
    1348771                              O            08/01/32
    0

    7936751          286/286             F           68,600.00         ZZ
                                         360         68,493.72          1
                                       7.375            473.81         80
                                       7.125            473.81
    SALEM            VA   24153          1            06/28/02         00
    1362605                              05           08/01/02          0
    1362605                              N            07/01/32
    0

    7936755          286/286             F          128,500.00         ZZ
                                         360        128,288.71          1
                                       7.000            854.92         75
                                       6.750            854.92
    BURLINGTON       KY   41005          2            06/24/02         00
    1340624                              05           08/01/02          0
    1340624                              O            07/01/32
    0
1

    7936763          286/286             F          180,000.00         ZZ
                                         360        179,841.19          1
                                       6.625          1,152.56         80
                                       6.375          1,152.56
    BOSSIER CITY     LA   71111          1            07/08/02         00
    1384132                              05           09/01/02          0
    1384132                              O            08/01/32
    0

    7936765          286/286             F           48,750.00         ZZ
                                         360         48,680.94          1
                                       7.750            349.26         72
                                       7.500            349.26
    INDIANAPOLIS     IN   46222          5            06/13/02         00
    1319782                              05           08/01/02          0
    1319782                              N            07/01/32
    0

    7936769          286/286             F          247,500.00         ZZ
                                         360        247,102.99          4
                                       7.125          1,667.45         90
                                       6.875          1,667.45
    CEDAR CITY       UT   84720          1            06/07/02         11
    804053                               05           08/01/02         25
    804053                               N            07/01/32
    0

    7936775          286/286             F          123,200.00         ZZ
                                         360        123,016.55          4
                                       7.500            861.44         80
                                       7.250            861.44
    BURRILLVILLE     RI   02859          1            06/26/02         00
    1333446                              05           08/01/02          0
    1333446                              N            07/01/32
    0

    7936777          286/286             F          101,650.00         ZZ
                                         360        101,494.82          1
                                       7.375            702.08         90
                                       7.125            702.08
    LITCHFIELD       AZ   85340          1            06/11/02         12
    1326013                              05           08/01/02         25
    1326013                              N            07/01/32
    0

    7936785          286/286             F          650,000.00         ZZ
                                         360        648,904.71          1
1

                                       6.875          4,270.04         74
                                       6.625          4,270.04
    KEY WEST         FL   33040          2            06/21/02         00
    1379098                              05           08/01/02          0
    1379098                              O            07/01/32
    0

    7936791          286/286             F           50,000.00         ZZ
                                         360         49,929.19          1
                                       7.750            358.21         84
                                       7.500            358.21
    CAPE GIRARDEAN   MO   63701          5            06/24/02         11
    1346254                              05           08/01/02         12
    1346254                              O            07/01/32
    0

    7936793          286/286             F           87,920.00         ZZ
                                         360         87,719.56          1
                                       7.125            592.34         80
                                       6.875            592.34
    INDIANAPOLIS     IN   46268          1            06/28/02         00
    1319097                              05           08/01/02          0
    1319097                              O            07/01/32
    0

    7936797          286/286             F          300,700.00         ZZ
                                         360        300,229.42          4
                                       7.250          2,051.31         65
                                       7.000          2,051.31
    LONG BEACH       CA   90804          1            06/25/02         00
    1346966                              05           08/01/02          0
    1346966                              N            07/01/32
    0

    7936799          286/286             F           57,500.00         ZZ
                                         360         57,420.58          1
                                       7.875            416.92         88
                                       7.625            416.92
    ELWOOD           IN   46036          2            06/18/02         11
    1335851                              05           08/01/02         25
    1335851                              O            07/01/32
    0

    7936801          286/286             F          212,400.00         ZZ
                                         360        212,050.78          1
                                       7.000          1,413.10         90
                                       6.750          1,413.10
    HOUSTON          TX   77079          1            06/24/02         10
    1355626                              03           08/01/02         25
1

    1355626                              O            07/01/32
    0

    7936803          286/286             F          284,250.00         ZZ
                                         360        283,826.76          1
                                       7.500          1,987.52         75
                                       7.250          1,987.52
    FOUNTAIN HILLS   AZ   85268          5            06/07/02         00
    1346166                              05           08/01/02          0
    1346166                              O            07/01/32
    0

    7936811          286/286             F          136,000.00         ZZ
                                         360        135,882.90          1
                                       6.750            882.10         80
                                       6.500            882.10
    SHREVEPORT       LA   71118          1            07/11/02         00
    1381198                              05           09/01/02          0
    1381198                              O            08/01/32
    0

    7936819          286/286             F          117,000.00         ZZ
                                         360        116,787.89          1
                                       6.500            739.52         90
                                       6.250            739.52
    HOUSTON          TX   77082          1            06/25/02         11
    1373902                              03           08/01/02         25
    1373902                              N            07/01/32
    0

    7936823          286/286             F          143,200.00         ZZ
                                         360        143,103.92          1
                                       8.000          1,050.76         80
                                       7.750          1,050.76
    PHOENIX          AZ   85021          1            07/09/02         00
    1386774                              05           09/01/02          0
    1386774                              N            08/01/32
    0

    7936827          286/286             F          142,400.00         ZZ
                                         360        142,277.39          1
                                       6.750            923.61         80
                                       6.500            923.61
    GRANTVILLE       PA   17938          1            07/12/02         00
    1360641                              05           09/01/02          0
    1360641                              O            08/01/32
    0

1

    7936833          286/286             F          188,000.00         ZZ
                                         360        187,698.41          1
                                       7.125          1,266.60         79
                                       6.875          1,266.60
    HAMPSTEAD        MD   21074          2            06/24/02         00
    1327751                              05           08/01/02          0
    1327751                              O            07/01/32
    0

    7936837          286/286             F          353,700.00         ZZ
                                         360        353,173.35          3
                                       7.500          2,473.13         90
                                       7.250          2,473.13
    DORCHESTER       MA   02121          1            06/26/02         12
    1070529                              05           08/01/02         25
    1070529                              O            07/01/32
    0

    7936847          286/286             F          174,000.00         ZZ
                                         360        173,668.00          1
                                       7.250          1,186.99         80
                                       7.000          1,186.99
    WOODBRIDGE       VA   22192          5            06/24/02         00
    1329463                              03           08/01/02          0
    1329463                              N            07/01/32
    0

    7936849          286/286             F          156,000.00         ZZ
                                         360        155,889.89          1
                                       7.750          1,117.61         80
                                       7.500          1,117.61
    PORT READING     NJ   07064          1            07/08/02         00
    1325478                              05           09/01/02          0
    1325478                              N            08/01/32
    0

    7936851          286/286             F          165,600.00         ZZ
                                         360        165,371.31          3
                                       7.875          1,200.72         90
                                       7.625          1,200.72
    LOCKPORT         IL   60441          1            06/25/02         11
    1341561                              05           08/01/02         25
    1341561                              N            07/01/32
    0

    7936855          286/286             F          128,250.00         ZZ
                                         360        128,072.88          3
                                       7.875            929.91         95
                                       7.625            929.91
1

    MERIDEN          CT   06451          1            07/02/02         14
    1319214                              05           08/01/02         30
    1319214                              O            07/01/32
    0

    7936857          286/286             F          123,250.00         ZZ
                                         360        123,047.35          1
                                       7.000            819.99         90
                                       6.750            819.99
    GILBERT          AZ   85236          1            06/27/02         12
    1344461                              03           08/01/02         25
    1344461                              N            07/01/32
    0

    7936861          286/286             F           82,950.00         ZZ
                                         360         82,826.49          1
                                       7.500            580.00         79
                                       7.250            580.00
    WESTBROOK        ME   04021          1            07/02/02         00
    1355836                              01           08/01/02          0
    1355836                              N            07/01/32
    0

    7936863          286/286             F           46,200.00         ZZ
                                         360         46,132.89          1
                                       7.625            327.01         80
                                       7.375            327.01
    TAYLOR           MI   48180          1            06/25/02         00
    1332601                              05           08/01/02          0
    1332601                              N            07/01/32
    0

    7936867          286/286             F          216,000.00         ZZ
                                         360        215,678.38          4
                                       7.500          1,510.31         80
                                       7.250          1,510.31
    CHICAGO          IL   60608          5            06/26/02         00
    1348829                              05           08/01/02          0
    1348829                              O            07/01/32
    0

    7936873          286/286             F           37,800.00         ZZ
                                         360         37,743.08          1
                                       8.000            277.37         90
                                       7.750            277.37
    LAKE VILLAGE     AR   71653          5            06/28/02         11
    1298808                              05           08/01/02         25
    1298808                              O            07/01/32
    0
1

    7936875          286/286             F          105,600.00         ZZ
                                         360        105,525.46          1
                                       7.750            756.54         80
                                       7.500            756.54
    CROOKED RIVER R  OR   97760          1            07/03/02         00
    1395443                              03           09/01/02          0
    1395443                              N            08/01/32
    0

    7936877          286/286             F          162,400.00         ZZ
                                         360        162,119.55          1
                                       6.750          1,053.33         78
                                       6.500          1,053.33
    DALLAS           TX   75206          1            06/26/02         00
    1332781                              05           08/01/02          0
    1332781                              O            07/01/32
    0

    7936879          286/286             F          142,400.00         ZZ
                                         360        142,286.12          1
                                       7.125            959.38         80
                                       6.875            959.38
    HOLLAND          MI   49423          1            07/02/02         00
    1320305                              05           09/01/02          0
    1320305                              O            08/01/32
    0

    7936883          286/286             F          148,000.00         ZZ
                                         360        147,651.67          1
                                       7.000            984.65         95
                                       6.750            984.65
    JUPITER          FL   33458          5            06/19/02         21
    1346868                              03           08/01/02         25
    1346868                              O            07/01/32
    0

    7936885          286/286             F          266,300.00         ZZ
                                         360        263,944.07          1
                                       7.125          1,794.12         80
                                       6.875          1,794.12
    KENNETT SQUARE   PA   19348          1            06/25/02         00
    1045028                              05           08/01/02          0
    1045028                              O            07/01/32
    0

    7936887          286/286             F           50,400.00         ZZ
                                         360         50,321.12          1
1

                                       7.250            343.82         90
                                       7.000            343.82
    GOOSE CREEK      SC   29445          1            07/02/02         10
    1354077                              05           08/01/02         25
    1354077                              N            07/01/32
    0

    7936889          286/286             F          240,000.00         ZZ
                                         360        239,585.56          1
                                       6.750          1,556.64         74
                                       6.500          1,556.64
    CAREFREE         AZ   85377          5            06/26/02         00
    1355322                              05           08/01/02          0
    1355322                              O            07/01/32
    0

    7936891          286/286             F           90,900.00         ZZ
                                         360         90,832.54          1
                                       7.500            635.59         90
                                       7.250            635.59
    GRANTSVILLE      UT   84074          1            07/03/02         11
    1361935                              05           09/01/02         25
    1361935                              N            08/01/32
    0

    7936893          286/286             F          161,600.00         ZZ
                                         360        161,353.30          3
                                       7.375          1,116.14         80
                                       7.125          1,116.14
    MANCHESTER       NH   03101          1            06/28/02         00
    1333311                              05           08/01/02          0
    1333311                              N            07/01/32
    0

    7936895          286/286             F          119,920.00         ZZ
                                         360        119,727.53          1
                                       7.125            807.92         80
                                       6.875            807.92
    BUTLER           KY   41006          1            06/28/02         00
    1353763                              05           08/01/02          0
    1353763                              O            07/01/32
    0

    7936897          286/286             F           39,000.00         ZZ
                                         360         38,917.79          1
                                       7.875            282.78         67
                                       7.625            282.78
    STAFFORD         VA   22554          1            06/25/02         00
    1372026                              05           08/01/02          0
1

    1372026                              N            07/01/32
    0

    7936899          286/286             F           89,000.00         ZZ
                                         360         88,857.23          1
                                       7.125            599.61         72
                                       6.875            599.61
    DEBARY           FL   32713          1            07/03/02         00
    520550                               05           08/01/02          0
    520550                               O            07/01/32
    0

    7936905          286/286             F          198,900.00         ZZ
                                         360        198,507.16          3
                                       7.500          1,390.74         90
                                       7.250          1,390.74
    SPARKS           NV   89431          1            06/21/02         14
    803367                               05           08/01/02         25
    803367                               N            07/01/32
    0

    7936907          286/286             F          256,500.00         ZZ
                                         360        256,108.44          4
                                       7.375          1,771.59         90
                                       7.125          1,771.59
    GEORGETOWN       TX   78626          2            07/03/02         11
    1344756                              05           08/01/02         25
    1344756                              N            07/01/32
    0

    7936911          286/286             F          465,000.00         ZZ
                                         360        464,041.88          1
                                       7.125          3,132.79         74
                                       6.875          3,132.79
    SURGAR LOAF KEY  FL   33042          2            06/18/02         00
    1371497                              05           08/01/02          0
    1371497                              O            07/01/32
    0

    7936913          286/286             F          271,800.00         ZZ
                                         360        271,374.65          4
                                       7.250          1,854.16         90
                                       7.000          1,854.16
    AURORA           CO   80010          1            07/02/02         12
    1359204                              05           08/01/02         25
    1359204                              N            07/01/32
    0

1

    7936921          286/286             F          250,250.00         ZZ
                                         360        249,877.17          4
                                       7.500          1,749.79         65
                                       7.250          1,749.79
    NEWARK           NJ   07105          5            06/28/02         00
    1334677                              05           08/01/02          0
    1334677                              N            07/01/32
    0

    7936923          286/286             F          235,000.00         ZZ
                                         360        234,643.21          2
                                       7.500          1,643.16         53
                                       7.250          1,643.16
    MONTCLAIR        NJ   07109          5            06/28/02         00
    1334681                              05           08/01/02          0
    1334681                              N            07/01/32
    0

    7936925          286/286             F          128,950.00         ZZ
                                         360        128,838.97          1
                                       6.750            836.37         80
                                       6.500            836.37
    SUGAR LAND       TX   77478          1            07/05/02         00
    1371877                              03           09/01/02          0
    1371877                              O            08/01/32
    0

    7936927          286/286             F          316,000.00         ZZ
                                         360        315,496.68          3
                                       7.375          2,182.54         80
                                       7.125          2,182.54
    SKOKIE           IL   60076          1            06/27/02         00
    1386704                              05           08/01/02          0
    1386704                              N            07/01/32
    0

    7936929          286/286             F          436,000.00         ZZ
                                         360        435,334.42          1
                                       7.375          3,011.35         80
                                       7.125          3,011.35
    INDIANAPOLIS     IN   46260          5            06/20/02         00
    1346106                              05           08/01/02          0
    1346106                              O            07/01/32
    0

    7936931          286/286             F          117,900.00         ZZ
                                         360        117,675.03          1
                                       7.250            804.29         90
                                       7.000            804.29
1

    PHOENIX          AZ   85016          1            06/24/02         12
    1379632                              05           08/01/02         25
    1379632                              N            07/01/32
    0

    7936935          286/286             F          133,050.00         ZZ
                                         360        132,758.86          1
                                       7.250            907.64         90
                                       7.000            907.64
    GLENN HEIGHTS    TX   75154          1            06/27/02         11
    1334572                              03           08/01/02         25
    1334572                              N            07/01/32
    0

    7936941          286/286             F          134,100.00         ZZ
                                         360        133,778.11          1
                                       7.250            914.80         90
                                       7.000            914.80
    FORT WORTH       TX   76137          1            06/27/02         11
    1354325                              05           08/01/02         25
    1354325                              N            07/01/32
    0

    7936943          286/286             F          340,000.00         ZZ
                                         360        339,440.98          1
                                       7.000          2,262.03         85
                                       6.750          2,262.03
    NORTH BRUNSWICK  NJ   08902          1            06/28/02         12
    1095426                              05           08/01/02         12
    1095426                              O            07/01/32
    0

    7936951          286/286             F          388,000.00         ZZ
                                         360        386,647.26          1
                                       7.875          2,813.27         65
                                       7.625          2,813.27
    GILLBERT         AZ   85296          2            03/21/02         00
    1070780                              03           05/01/02          0
    1070780                              O            04/01/32
    0

    7936953          286/286             F           51,600.00         ZZ
                                         360         51,523.16          1
                                       7.500            360.80         80
                                       7.250            360.80
    MIAMI            FL   33126          1            07/02/02         00
    1351752                              01           08/01/02          0
    1351752                              N            07/01/32
    0
1

    7936957          286/286             F          382,000.00         ZZ
                                         360        381,416.87          1
                                       7.375          2,638.38         55
                                       7.125          2,638.38
    SUNNY ISLES BEA  FL   33160          5            06/24/02         00
    1382234                              05           08/01/02          0
    1382234                              O            07/01/32
    0

    7936961          286/286             F          229,400.00         ZZ
                                         360        229,041.00          3
                                       7.250          1,564.92         90
                                       7.000          1,564.92
    MANCHESTER       NH   03103          1            07/02/02         11
    1331967                              05           08/01/02         25
    1331967                              N            07/01/32
    0

    7936963          286/286             F          196,500.00         ZZ
                                         360        196,176.92          2
                                       7.000          1,307.32         75
                                       6.750          1,307.32
    ATLANTA          GA   30312          2            06/27/02         00
    1339845                              05           08/01/02          0
    1339845                              N            07/01/32
    0

    7936965          286/286             F          186,500.00         ZZ
                                         360        186,193.36          2
                                       7.000          1,240.79         72
                                       6.750          1,240.79
    ATLANTA          GA   30310          2            06/27/02         00
    1339846                              05           08/01/02          0
    1339846                              N            07/01/32
    0

    7936967          286/286             F          190,000.00         ZZ
                                         360        189,687.61          2
                                       7.000          1,264.08         75
                                       6.750          1,264.08
    ATLANTA          GA   30312          2            06/27/02         00
    1339847                              05           08/01/02          0
    1339847                              N            07/01/32
    0

    7936971          286/286             F          126,318.00         ZZ
                                         360        126,214.45          1
1

                                       7.000            840.40         85
                                       6.750            840.40
    YOUNGSTOWN       OH   44514          1            07/08/02         12
    1393017                              01           09/01/02         12
    1393017                              O            08/01/32
    0

    7936975          286/286             F          300,700.00         ZZ
                                         360        300,471.18          1
                                       7.375          2,076.87         79
                                       7.125          2,076.87
    POTOMAC FALLS    VA   20165          1            07/10/02         00
    1311473                              05           09/01/02          0
    1311473                              O            08/01/32
    0

    7936977          286/286             F          116,000.00         ZZ
                                         360        115,813.91          1
                                       7.125            781.52         80
                                       6.875            781.52
    MESA             AZ   85208          2            06/21/02         00
    1355915                              03           08/01/02          0
    1355915                              N            07/01/32
    0

    7936981          286/286             F          354,000.00         ZZ
                                         360        353,511.16          1
                                       7.875          2,566.75         80
                                       7.625          2,566.75
    FREMONT          CA   94538          5            06/24/02         00
    1336509                              05           08/01/02          0
    1336509                              O            07/01/32
    0

    7936985          286/286             F          166,500.00         ZZ
                                         360        166,245.84          1
                                       7.375          1,149.97         90
                                       7.125          1,149.97
    HOUSTON          TX   77007          1            06/24/02         11
    1358866                              05           08/01/02         25
    1358866                              N            07/01/32
    0

    7936987          286/286             F          116,700.00         ZZ
                                         360        116,521.85          1
                                       7.375            806.02         80
                                       7.125            806.02
    GREENSBORO       NC   27410          1            06/28/02         00
    1310259                              05           08/01/02          0
1

    1310259                              O            07/01/32
    0

    7936989          286/286             F           68,000.00         ZZ
                                         360         67,879.18          1
                                       7.750            487.17         80
                                       7.500            487.17
    WEST PALM BEACH  FL   33406          1            06/28/02         00
    1350988                              05           08/01/02          0
    1350988                              N            07/01/32
    0

    7936993          286/286             F          229,850.00         ZZ
                                         360        229,679.41          4
                                       7.500          1,607.15         90
                                       7.250          1,607.15
    ENUMCLAW         WA   98022          1            07/18/02         12
    1347165                              05           09/01/02         25
    1347165                              N            08/01/32
    0

    7936995          286/286             F          196,000.00         ZZ
                                         360        195,661.53          3
                                       6.750          1,271.26         80
                                       6.500          1,271.26
    BERWYN           IL   60402          1            06/25/02         00
    1340672                              05           08/01/02          0
    1340672                              O            07/01/32
    0

    7936999          286/286             F           50,000.00         ZZ
                                         360         49,915.74          1
                                       6.875            328.47         58
                                       6.625            328.47
    INDIANAPOLIS     IN   46227          1            06/26/02         00
    1332117                              05           08/01/02          0
    1332117                              N            07/01/32
    0

    7937001          286/286             F           78,750.00         ZZ
                                         360         78,632.73          1
                                       7.500            550.64         75
                                       7.250            550.64
    LOS BANOS        CA   93635          5            06/26/02         00
    800994                               05           08/01/02          0
    800994                               N            07/01/32
    0

1

    7937003          286/286             F          300,000.00         ZZ
                                         360        299,585.73          1
                                       7.875          2,175.21         60
                                       7.625          2,175.21
    CHANDLER         AZ   85249          1            06/25/02         00
    1344076                              03           08/01/02          0
    1344076                              N            07/01/32
    0

    7937005          286/286             F           96,850.00         ZZ
                                         360         96,705.79          1
                                       7.500            677.19         80
                                       7.250            677.19
    MEDFORD          OR   97504          1            06/26/02         00
    1356806                              05           08/01/02          0
    1356806                              O            07/01/32
    0

    7937009          286/286             F          129,200.00         ZZ
                                         360        128,982.28          1
                                       6.875            848.76         80
                                       6.625            848.76
    NEWARK           OH   43055          1            06/28/02         00
    1309963                              05           08/01/02          0
    1309963                              O            07/01/32
    0

    7937011          286/286             F          400,000.00         ZZ
                                         360        399,358.34          2
                                       7.125          2,694.88         73
                                       6.875          2,694.88
    EL CERRITO       CA   94530          5            06/21/02         00
    800630                               05           08/01/02          0
    800630                               O            07/01/32
    0

    7937017          286/286             F          125,000.00         ZZ
                                         360        124,822.97          3
                                       7.750            895.52         90
                                       7.500            895.52
    FALL RIVER       MA   02721          1            06/28/02         14
    1342024                              05           08/01/02         25
    1342024                              N            07/01/32
    0

    7937019          286/286             F          124,000.00         ZZ
                                         360        123,795.21          1
                                       7.000            824.98         80
                                       6.750            824.98
1

    COLUMBIA         MD   21044          1            06/28/02         00
    1350192                              03           08/01/02          0
    1350192                              O            07/01/32
    0

    7937031          286/286             F           60,000.00         ZZ
                                         360         59,957.65          1
                                       7.750            429.85         80
                                       7.500            429.85
    BARNESVILLE      GA   30204          1            07/09/02         00
    1385627                              05           09/01/02          0
    1385627                              N            08/01/32
    0

    7937037          286/286             F          265,800.00         ZZ
                                         360        265,384.04          1
                                       7.250          1,813.23         84
                                       7.000          1,813.23
    SAN DIEGO        CA   92122          2            06/13/02         11
    1299601                              01           08/01/02         12
    1299601                              O            07/01/32
    0

    7937039          286/286             F           30,000.00         ZZ
                                         360         29,931.09          1
                                       7.375            207.20         36
                                       7.125            207.20
    DULUTH           MN   55806          5            06/27/02         00
    1352996                              05           08/01/02          0
    1352996                              O            07/01/32
    0

    7937051          286/286             F          113,000.00         ZZ
                                         360        112,823.17          1
                                       7.250            770.86         80
                                       7.000            770.86
    OREM             UT   84057          2            06/26/02         00
    1376757                              05           08/01/02          0
    1376757                              N            07/01/32
    0

    7937055          286/286             F           75,000.00         ZZ
                                         360         74,876.68          1
                                       7.000            498.98         33
                                       6.750            498.98
    ALTO             NM   88312          5            06/21/02         00
    1353364                              05           08/01/02          0
    1353364                              O            07/01/32
    0
1

    7937057          286/286             F           98,400.00         ZZ
                                         360         98,216.83          1
                                       6.750            638.23         80
                                       6.500            638.23
    MEDFORD          OR   97501          1            06/25/02         00
    1344705                              05           08/01/02          0
    1344705                              O            07/01/32
    0

    7937059          286/286             F          330,500.00         ZZ
                                         360        329,896.47          1
                                       7.125          2,226.64         80
                                       6.875          2,226.64
    SAN LUIS OBISPO  CA   93405          1            06/25/02         00
    1333126                              05           08/01/02          0
    1333126                              O            07/01/32
    0

    7937061          286/286             F          112,500.00         ZZ
                                         360        112,332.49          2
                                       7.500            786.62         75
                                       7.250            786.62
    SKIATOOK         OK   74070          5            06/27/02         00
    1332702                              05           08/01/02          0
    1332702                              N            07/01/32
    0

    7937063          286/286             F          131,000.00         ZZ
                                         360        130,804.93          2
                                       7.500            915.98         73
                                       7.250            915.98
    SKIATOOK         OK   74070          5            06/27/02         00
    1332708                              05           08/01/02          0
    1332708                              N            07/01/32
    0

    7937065          286/286             F          224,000.00         ZZ
                                         360        223,622.53          1
                                       6.875          1,471.53         60
                                       6.625          1,471.53
    CHARLOTTE        NC   28207          5            06/28/02         00
    1351137                              05           08/01/02          0
    1351137                              N            07/01/32
    0

    7937069          286/286             F           30,305.00         ZZ
                                         360         30,258.74          1
1

                                       7.375            209.31         95
                                       7.125            209.31
    WATERBURY        CT   06710          1            06/28/02         12
    1330045                              01           08/01/02         30
    1330045                              O            07/01/32
    0

    7937071          286/286             F           69,500.00         ZZ
                                         360         69,303.70          1
                                       7.875            503.92         80
                                       7.625            503.92
    COLUMBUS         OH   43229          1            06/14/02         00
    1347382                              05           08/01/02          0
    1347382                              O            07/01/32
    0

    7937077          286/286             F          300,700.00         ZZ
                                         360        300,196.10          1
                                       7.000          2,000.57         64
                                       6.750          2,000.57
    SAN DIEGO        CA   92128          2            06/18/02         00
    1347400                              03           08/01/02          0
    1347400                              O            07/01/32
    0

    7937085          286/286             F          376,000.00         ZZ
                                         360        375,684.11          1
                                       6.875          2,470.06         80
                                       6.625          2,470.06
    CORAL SPRINGS    FL   33065          1            07/10/02         00
    1361655                              05           09/01/02          0
    1361655                              N            08/01/32
    0

    7937087          286/286             F          178,200.00         ZZ
                                         360        177,960.06          2
                                       8.000          1,307.57         90
                                       7.750          1,307.57
    NEWARK           NJ   07102          1            07/02/02         21
    1388242                              05           08/01/02         25
    1388242                              N            07/01/32
    0

    7937089          286/286             F          199,000.00         ZZ
                                         360        198,844.75          1
                                       7.250          1,357.54         86
                                       7.000          1,357.54
    BOTHELL          WA   98011          2            07/01/02         11
    1359424                              01           09/01/02         25
1

    1359424                              O            08/01/32
    0

    7937091          286/286             F          188,000.00         ZZ
                                         300        187,224.37          1
                                       6.875          1,313.80         79
                                       6.625          1,313.80
    ROANOKE          VA   24018          5            06/21/02         00
    1325230                              05           08/01/02          0
    1325230                              O            07/01/27
    0

    7937093          286/286             F          468,000.00         ZZ
                                         360        467,107.98          2
                                       7.250          3,192.59         80
                                       7.000          3,192.59
    UNIVERSITY PARK  TX   75205          2            06/24/02         00
    1340160                              05           08/01/02          0
    1340160                              O            07/01/32
    0

    7937095          286/286             F          224,000.00         ZZ
                                         360        223,057.47          1
                                       6.875          1,471.53         79
                                       6.625          1,471.53
    WOODBURY         MN   55125          5            06/28/02         00
    1356007                              05           08/01/02          0
    1356007                              O            07/01/32
    0

    7937099          286/286             F          229,200.00         ZZ
                                         360        229,025.59          1
                                       7.375          1,583.03         90
                                       7.125          1,583.03
    FARMINGTON       NM   87401          1            07/01/02         12
    1388054                              05           09/01/02         25
    1388054                              N            08/01/32
    0

    7937103          286/286             F           59,500.00         ZZ
                                         360         59,415.73          2
                                       7.750            426.27         70
                                       7.500            426.27
    INDIANAPOLIS     IN   46218          5            06/21/02         00
    1357390                              05           08/01/02          0
    1357390                              N            07/01/32
    0

1

    7937107          286/286             F          108,000.00         ZZ
                                         360        107,822.42          4
                                       7.000            718.53         90
                                       6.750            718.53
    ALBUQUERQUE      NM   87107          1            06/28/02         12
    1386771                              05           08/01/02         25
    1386771                              N            07/01/32
    0

    7937113          286/286             F          240,000.00         T
                                         360        239,668.58          1
                                       7.875          1,740.17         53
                                       7.625          1,740.17
    SOUTHAMPTON      NY   11968          5            06/28/02         00
    1316862                              05           08/01/02          0
    1316862                              O            07/01/32
    0

    7937117          286/286             F           96,000.00         ZZ
                                         360         95,853.45          3
                                       7.375            663.05         80
                                       7.125            663.05
    CHANDLER         AZ   85225          2            06/26/02         00
    1339730                              05           08/01/02          0
    1339730                              N            07/01/32
    0

    7937119          286/286             F           44,000.00         ZZ
                                         360         43,932.83          1
                                       7.375            303.90         64
                                       7.125            303.90
    FALLS CHURCH     VA   22042          1            06/26/02         00
    1373293                              01           08/01/02          0
    1373293                              N            07/01/32
    0

    7937125          286/286             F           70,600.00         ZZ
                                         360         70,492.23          2
                                       7.375            487.62         90
                                       7.125            487.62
    XENIA            OH   45385          1            06/27/02         10
    1347797                              05           08/01/02         25
    1347797                              N            07/01/32
    0

    7937127          286/286             F           57,700.00         ZZ
                                         360         57,605.13          1
                                       7.000            383.88         80
                                       6.750            383.88
1

    ASHLAND          OH   44805          2            06/28/02         00
    1331688                              05           08/01/02          0
    1331688                              N            07/01/32
    0

    7937129          286/286             F          368,000.00         ZZ
                                         360        367,698.35          1
                                       7.000          2,448.32         80
                                       6.750          2,448.32
    PALO CEDRO       CA   96073          1            07/03/02         00
    804952                               05           09/01/02          0
    804952                               N            08/01/32
    0

    7937137          286/286             F          128,000.00         ZZ
                                         360        127,809.43          1
                                       7.500            894.99         78
                                       7.250            894.99
    WOODLAND HILLS   CA   91367          5            06/21/02         00
    795684                               01           08/01/02          0
    795684                               N            07/01/32
    0

    7937149          286/286             F          176,000.00         ZZ
                                         360        175,737.94          1
                                       7.500          1,230.62         80
                                       7.250          1,230.62
    LORTON           VA   22079          1            06/25/02         00
    820917                               03           08/01/02          0
    820917                               O            07/01/32
    0

    7937153          286/286             F           56,800.00         ZZ
                                         360         56,721.56          1
                                       7.875            411.84         80
                                       7.625            411.84
    MECHANICSBURG    PA   17055          1            06/28/02         00
    811848                               05           08/01/02          0
    811848                               N            07/01/32
    0

    7937155          286/286             F          126,500.00         ZZ
                                         360        126,310.36          1
                                       7.500            884.51         80
                                       7.250            884.51
    OREGON CITY      OR   97045          2            06/20/02         00
    812389                               05           08/01/02          0
    812389                               O            07/01/32
    0
1

    7937161          286/286             F           64,850.00         ZZ
                                         360         64,751.01          1
                                       7.375            447.90         65
                                       7.125            447.90
    SPARKS           NV   89434          1            06/20/02         00
    803915                               01           08/01/02          0
    803915                               N            07/01/32
    0

    7937173          286/286             F          158,000.00         ZZ
                                         360        157,644.63          1
                                       7.250          1,077.84         80
                                       7.000          1,077.84
    ELK GROVE        CA   95758          1            06/17/02         00
    804394                               03           08/01/02          0
    804394                               N            07/01/32
    0

    7937179          286/286             F          348,500.00         ZZ
                                         360        348,228.14          1
                                       7.250          2,377.38         85
                                       7.000          2,377.38
    OCEANSIDE        CA   92057          1            06/28/02         14
    804865                               05           09/01/02         12
    804865                               O            08/01/32
    0

    7937181          286/286             F          409,000.00         ZZ
                                         360        407,809.02          2
                                       7.750          2,930.13         90
                                       7.500          2,930.13
    LOS ANGELES      CA   90731          5            06/17/02         12
    802186                               05           08/01/02         25
    802186                               O            07/01/32
    0

    7937183          286/286             F          104,000.00         ZZ
                                         360        103,845.16          1
                                       7.500            727.18         80
                                       7.250            727.18
    CHESAPEAKE       VA   23320          1            06/28/02         00
    814515                               03           08/01/02          0
    814515                               O            07/01/32
    0

    7937187          286/286             F          144,000.00         ZZ
                                         360        143,763.23          1
1

                                       7.000            958.04         80
                                       6.750            958.04
    MODESTO          CA   95354          1            06/26/02         00
    806835                               05           08/01/02          0
    806835                               N            07/01/32
    0

    7937189          286/286             F          137,600.00         ZZ
                                         360        137,373.76          1
                                       7.000            915.46         80
                                       6.750            915.46
    MODESTO          CA   95355          1            06/26/02         00
    806836                               05           08/01/02          0
    806836                               N            07/01/32
    0

    7937191          286/286             F          168,000.00         ZZ
                                         360        167,749.86          1
                                       7.500          1,174.68         80
                                       7.250          1,174.68
    TACOMA           WA   98406          1            06/26/02         00
    815991                               05           08/01/02          0
    815991                               O            07/01/32
    0

    7937193          286/286             F           55,000.00         ZZ
                                         360         54,909.56          1
                                       7.000            365.92         62
                                       6.750            365.92
    BEAUMONT         CA   92223          5            06/21/02         00
    806772                               05           08/01/02          0
    806772                               N            07/01/32
    0

    7937195          286/286             F          131,900.00         ZZ
                                         360        131,683.15          1
                                       7.000            877.53         80
                                       6.750            877.53
    HEMET            CA   92544          1            06/26/02         00
    807350                               05           08/01/02          0
    807350                               N            07/01/32
    0

    7937197          286/286             F          204,000.00         ZZ
                                         360        203,656.26          1
                                       6.875          1,340.13         80
                                       6.625          1,340.13
    CYPRESS          CA   90630          5            06/14/02         00
    802181                               05           08/01/02          0
1

    802181                               O            07/01/32
    0

    7937207          286/286             F          223,200.00         ZZ
                                         360        222,875.87          1
                                       7.625          1,579.80         80
                                       7.375          1,579.80
    RESEDA AREA      CA   91335          1            06/17/02         00
    799431                               05           08/01/02          0
    799431                               O            07/01/32
    0

    7937209          286/286             F          150,000.00         ZZ
                                         360        149,759.38          1
                                       7.125          1,010.58         53
                                       6.875          1,010.58
    CAMP MEEKER      CA   95419          5            06/26/02         00
    803814                               05           08/01/02          0
    803814                               N            07/01/32
    0

    7937211          286/286             F           58,800.00         ZZ
                                         360         58,760.55          1
                                       8.000            431.45         80
                                       7.750            431.45
    PAYETTE          ID   83661          1            07/10/02         00
    811110                               05           09/01/02          0
    811110                               N            08/01/32
    0

    7937215          286/286             F          650,000.00         ZZ
                                         360        648,781.91          2
                                       7.375          4,489.39         70
                                       7.125          4,489.39
    SAN FRANCISCO    CA   94122          1            06/20/02         00
    804679                               05           08/01/02          0
    804679                               O            07/01/32
    0

    7937499          E82/G02             F          182,500.00         ZZ
                                         360        182,500.00          1
                                       7.000          1,214.18         57
                                       6.750          1,214.18
    BETHESDA         MD   20814          2            08/07/02         00
    0400669032                           05           10/01/02          0
    3944156                              O            09/01/32
    0

1

    7937503          E82/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.875            604.37         62
                                       6.625            604.37
    EAST TAWAS       MI   48730          2            08/08/02         00
    0400664686                           05           10/01/02          0
    0400664686                           O            09/01/32
    0

    7937517          E82/G02             F           61,900.00         ZZ
                                         360         61,900.00          1
                                       7.250            422.27         79
                                       7.000            422.27
    BURLESON         TX   76028          2            08/08/02         00
    0400647970                           05           10/01/02          0
    0400647970                           O            09/01/32
    0

    7937525          E82/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       7.125            404.23         73
                                       6.875            404.23
    BIRMINGHAM       AL   35211          2            08/05/02         00
    0400649026                           05           10/01/02          0
    0400649026                           O            09/01/32
    0

    7937551          E82/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.875            893.42         54
                                       6.625            893.42
    BROOKLYN         NY   11210          5            08/02/02         00
    0400645099                           05           10/01/02          0
    0400645099                           O            09/01/32
    0

    7937579          696/G02             F          165,600.00         ZZ
                                         360        165,467.57          1
                                       7.125          1,115.68         80
                                       6.875          1,115.68
    STAFFORD         VA   22554          2            08/07/02         00
    0434397410                           03           09/01/02          0
    21702163                             O            08/01/32
    0

    7937909          E22/G02             F           88,300.00         ZZ
                                         360         88,300.00          1
                                       6.750            572.71         80
                                       6.500            572.71
1

    KODAK            TN   37764          5            08/05/02         00
    0414121608                           05           10/01/02          0
    0414121608                           O            09/01/32
    0

    7937965          E22/G02             F          252,800.00         ZZ
                                         360        252,576.96          1
                                       6.625          1,618.71         80
                                       6.375          1,618.71
    ALISO VIEJO      CA   92656          5            07/30/02         00
    0414417600                           01           09/01/02          0
    0414417600                           O            08/01/32
    0

    7938059          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          2
                                       7.625            707.79         80
                                       7.375            707.79
    LEXINGTON        KY   40508          2            08/09/02         00
    0414518407                           05           10/01/02          0
    0414518407                           N            09/01/32
    0

    7938063          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.625          1,920.93         80
                                       6.375          1,920.93
    CANTON           GA   30114          1            08/09/02         00
    0414520650                           03           10/01/02          0
    0414520650                           O            09/01/32
    0

    7938095          E22/G02             F          121,600.00         ZZ
                                         360        121,600.00          1
                                       6.500            768.59         80
                                       6.250            768.59
    PUEBLO           CO   81006          5            08/05/02         00
    0414553842                           05           10/01/02          0
    0414553842                           O            09/01/32
    0

    7938101          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       7.000            898.16         62
                                       6.750            898.16
    LEMON GROVE      CA   91945          2            07/29/02         00
    0414561985                           05           10/01/02          0
    0414561985                           N            09/01/32
    0
1

    7938107          E22/G02             F           77,600.00         ZZ
                                         360         77,600.00          1
                                       6.625            496.88         95
                                       6.375            496.88
    ROSEBURG         OR   97470          5            08/02/02         04
    0414572248                           05           10/01/02         30
    0414572248                           O            09/01/32
    0

    7938117          E22/G02             F          100,500.00         ZZ
                                         360        100,500.00          1
                                       7.125            677.09         75
                                       6.875            677.09
    BIRMINGHAM       AL   35235          2            08/09/02         00
    0414578013                           05           10/01/02          0
    0414578013                           N            09/01/32
    0

    7938125          E22/G02             F          191,000.00         ZZ
                                         360        191,000.00          1
                                       6.625          1,222.99         76
                                       6.375          1,222.99
    SANTA FE         NM   87508          2            08/05/02         00
    0414580860                           03           10/01/02          0
    0414580860                           O            09/01/32
    0

    7938145          E22/G02             F          113,600.00         ZZ
                                         360        113,600.00          1
                                       7.500            794.31         80
                                       7.250            794.31
    TRAVERSE CITY    MI   49684          2            08/05/02         00
    0414600627                           29           10/01/02          0
    0414600627                           O            09/01/32
    0

    7938179          E22/G02             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       7.375            524.91         80
                                       7.125            524.91
    PARADISE         TX   76073          1            08/08/02         00
    0414676643                           05           10/01/02          0
    0414676643                           N            09/01/32
    0

    7939815          E22/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
1

                                       6.875            788.31         73
                                       6.625            788.31
    CICERO           IL   60804          5            08/06/02         00
    0414212217                           05           10/01/02          0
    0414212217                           O            09/01/32
    0

    7939841          E22/G02             F          119,200.00         ZZ
                                         360        119,200.00          1
                                       7.375            823.28         80
                                       7.125            823.28
    SEALY            TX   77474          5            08/05/02         00
    0414334664                           03           10/01/02          0
    0414334664                           O            09/01/32
    0

    7939849          E22/G02             F          110,700.00         ZZ
                                         360        110,700.00          1
                                       7.375            764.58         90
                                       7.125            764.58
    PHOENIX          AZ   85018          1            08/05/02         04
    0414352617                           05           10/01/02         25
    0414352617                           N            09/01/32
    0

    7939851          E22/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       7.500          1,062.81         95
                                       7.250          1,062.81
    STERLING HEIGHT  MI   48313          5            08/06/02         01
    0414356006                           05           10/01/02         30
    0414356006                           O            09/01/32
    0

    7939855          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       7.250            682.18         80
                                       7.000            682.18
    DALLAS           TX   75208          5            08/06/02         00
    0414366211                           05           10/01/02          0
    0414366211                           O            09/01/32
    0

    7939863          E22/G02             F          133,600.00         ZZ
                                         360        133,600.00          1
                                       8.000            980.31         80
                                       7.750            980.31
    MODESTO          CA   95351          1            07/31/02         00
    0414405720                           05           10/01/02          0
1

    0414405720                           O            09/01/32
    0

    7939897          E22/G02             F          164,000.00         ZZ
                                         360        164,000.00          1
                                       6.625          1,050.11         80
                                       6.375          1,050.11
    NEWTON           NJ   07860          2            08/07/02         00
    0414454074                           05           10/01/02          0
    0414454074                           O            09/01/32
    0

    7939923          E22/G02             F          104,700.00         ZZ
                                         360        104,700.00          2
                                       6.625            670.41         80
                                       6.375            670.41
    FLORENCE         OR   97439          1            07/31/02         00
    0414466367                           05           10/01/02          0
    0414466367                           N            09/01/32
    0

    7939945          E22/G02             F           59,950.00         ZZ
                                         360         59,950.00          1
                                       7.500            419.18         75
                                       7.250            419.18
    BAY CITY         MI   48706          5            08/06/02         00
    0414486548                           05           10/01/02          0
    0414486548                           O            09/01/32
    0

    7939967          E22/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.875            762.04         80
                                       6.625            762.04
    ANACORTES        WA   98221          5            08/05/02         00
    0414499210                           05           10/01/02          0
    0414499210                           O            09/01/32
    0

    7939975          E22/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.500          2,149.03         79
                                       6.250          2,149.03
    REDWOOD VALLEY   CA   95470          5            08/05/02         00
    0414504761                           05           10/01/02          0
    0414504761                           O            09/01/32
    0

1

    7940013          E22/G02             F           93,500.00         ZZ
                                         360         93,500.00          1
                                       7.750            669.85         79
                                       7.500            669.85
    TORRANCE         CA   90502          5            08/07/02         00
    0414515783                           01           10/01/02          0
    0414515783                           O            09/01/32
    0

    7940033          E22/G02             F          188,910.00         ZZ
                                         360        188,910.00          1
                                       7.375          1,304.75         90
                                       7.125          1,304.75
    WOODRIDGE        IL   60517          1            08/12/02         01
    0414523548                           05           10/01/02         30
    0414523548                           O            09/01/32
    0

    7940051          E22/G02             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       6.750          1,264.77         62
                                       6.500          1,264.77
    JUPITER          FL   33458          2            08/06/02         00
    0414529545                           05           10/01/02          0
    0414529545                           O            09/01/32
    0

    7940083          E22/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       7.500            559.37         52
                                       7.250            559.37
    RICHARDSON       TX   75080          5            08/06/02         00
    0414549089                           05           10/01/02          0
    0414549089                           O            09/01/32
    0

    7940103          E22/G02             F          201,600.00         ZZ
                                         360        201,600.00          1
                                       6.750          1,307.57         80
                                       6.500          1,307.57
    FRISCO           TX   75034          5            08/07/02         00
    0414561092                           03           10/01/02          0
    0414561092                           O            09/01/32
    0

    7940105          E22/G02             F          147,000.00         ZZ
                                         360        147,000.00          1
                                       7.250          1,002.80         55
                                       7.000          1,002.80
1

    HILLSDALE        NJ   07642          5            08/07/02         00
    0414563288                           05           10/01/02          0
    0414563288                           O            09/01/32
    0

    7940113          E22/G02             F          197,900.00         ZZ
                                         360        197,900.00          1
                                       7.250          1,350.03         90
                                       7.000          1,350.03
    MARS HILL        NC   28754          2            08/07/02         01
    0414566919                           05           10/01/02         25
    0414566919                           O            09/01/32
    0

    7940115          E22/G02             F          299,000.00         ZZ
                                         360        299,000.00          1
                                       6.375          1,865.37         95
                                       6.125          1,865.37
    PALM HARBOR      FL   34685          5            08/06/02         01
    0414568071                           03           10/01/02         25
    0414568071                           O            09/01/32
    0

    7940117          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.625          1,024.50         80
                                       6.375          1,024.50
    DENVER           CO   80229          2            08/07/02         00
    0414568667                           05           10/01/02          0
    0414568667                           O            09/01/32
    0

    7940127          E22/G02             F          284,750.00         ZZ
                                         360        284,750.00          1
                                       7.125          1,918.41         85
                                       6.875          1,918.41
    MONKTON          MD   21111          5            08/06/02         01
    0414574871                           05           10/01/02         12
    0414574871                           O            09/01/32
    0

    7940147          E22/G02             F          195,700.00         ZZ
                                         360        195,700.00          1
                                       7.125          1,318.47         95
                                       6.875          1,318.47
    LYNNWOOD         WA   98036          2            08/05/02         04
    0414593459                           05           10/01/02         30
    0414593459                           O            09/01/32
    0
1

    7940155          E22/G02             F          229,900.00         ZZ
                                         360        229,900.00          1
                                       7.625          1,627.22         95
                                       7.375          1,627.22
    MIAMI SHORES     FL   33138          1            08/12/02         04
    0414596254                           05           10/01/02         30
    0414596254                           O            09/01/32
    0

    7940175          E22/G02             F          272,000.00         ZZ
                                         360        272,000.00          1
                                       6.875          1,786.85         80
                                       6.625          1,786.85
    CORONA           CA   92883          5            08/06/02         00
    0414613000                           03           10/01/02          0
    0414613000                           O            09/01/32
    0

    7940223          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       7.375            497.29         75
                                       7.125            497.29
    HIGHLAND         MI   48356          1            08/12/02         00
    0414680512                           05           10/01/02          0
    0414680512                           N            09/01/32
    0

    7940413          S11/G02             F          388,000.00         ZZ
                                         360        387,657.67          1
                                       6.625          2,484.41         80
                                       6.375          2,484.41
    ORANGE           CA   92869          5            07/25/02         00
    0434425450                           05           09/01/02          0
    10208541                             O            08/01/32
    0

    7940459          144/144             F          175,000.00         ZZ
                                         360        174,849.33          1
                                       6.750          1,135.05         42
                                       6.500          1,135.05
    QUIOQUE          NY   11978          5            07/25/02         00
    221971264                            05           09/01/02          0
    221971264                            O            08/01/32
    0

    7940537          E47/G02             F           53,000.00         ZZ
                                         360         52,959.67          1
1

                                       7.375            366.06         65
                                       7.125            366.06
    BRADENTON        FL   34205          2            08/01/02         00
    0434456752                           05           09/01/02          0
    7361012718                           N            08/01/32
    0

    7940655          E47/G02             F           54,000.00         ZZ
                                         360         53,958.91          2
                                       7.375            372.96         53
                                       7.125            372.96
    BRADENTON        FL   34205          2            08/02/02         00
    0434415048                           05           09/01/02          0
    7361012716                           N            08/01/32
    0

    7940781          E47/G02             F           54,000.00         ZZ
                                         360         53,958.91          2
                                       7.375            372.96         53
                                       7.125            372.96
    BRADENTON        FL   34205          2            08/02/02         00
    0434493326                           05           09/01/02          0
    7361012717                           N            08/01/32
    0

    7941033          U05/G02             F          106,650.00         ZZ
                                         360        106,570.85          1
                                       7.500            745.71         90
                                       7.250            745.71
    LAKE WORTH       FL   33463          1            07/18/02         04
    0434463980                           05           09/01/02         25
    324393                               N            08/01/32
    0

    7941323          196/G02             F          120,000.00         ZZ
                                         360        119,919.48          1
                                       8.000            880.52         80
                                       7.750            880.52
    CLEARWATER       FL   33767          1            07/29/02         00
    0434462859                           01           09/01/02          0
    1323065                              O            08/01/32
    0

    7941331          196/G02             F          244,000.00         ZZ
                                         360        243,804.87          1
                                       7.125          1,643.88         80
                                       6.875          1,643.88
    FAYETTEVILLE     GA   30215          1            07/29/02         00
    0434462842                           03           09/01/02          0
1

    1323886                              O            08/01/32
    0

    7941773          U36/G02             F          180,000.00         ZZ
                                         360        179,845.02          1
                                       6.750          1,167.48         80
                                       6.500          1,167.48
    LILBURN          GA   30074          1            07/25/02         00
    0434426151                           03           09/01/02          0
    972901001                            O            08/01/32
    0

    7942435          A35/G02             F          290,000.00         ZZ
                                         360        290,000.00          1
                                       6.875          1,905.09         82
                                       6.625          1,905.09
    LINDENHURST      NY   11757          2            08/06/02         01
    0434446647                           05           10/01/02         12
    13842                                O            09/01/32
    0

    7942519          U28/G02             F           66,500.00         ZZ
                                         360         66,448.12          2
                                       7.250            453.65         79
                                       7.000            453.65
    RALEIGH          NC   27610          1            07/26/02         00
    0434395182                           05           09/01/02          0
    2000003795                           O            08/01/32
    0

    7942521          U85/G02             F          153,000.00         ZZ
                                         360        152,868.27          1
                                       6.750            992.36         90
                                       6.500            992.36
    NEENAH           WI   54956          5            07/29/02         10
    0434462974                           05           09/01/02         25
    COTTREL                              O            08/01/32
    0

    7942545          X82/G02             F          143,900.00         ZZ
                                         360        143,769.91          1
                                       6.500            909.55         80
                                       6.250            909.55
    ANNAPOLIS        MD   21403          1            08/02/02         00
    0434413688                           05           09/01/02          0
    832298                               O            08/01/32
    0

1

    7942833          952/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.625          1,792.87         76
                                       6.375          1,792.87
    ELMWOOD PARK     NJ   07407          5            08/01/02         00
    0434398806                           05           10/01/02          0
    20026630                             O            09/01/32
    0

    7942947          Q49/G02             F           56,299.00         ZZ
                                         360         56,299.00          1
                                       7.250            384.06         74
                                       7.000            384.06
    CAPE CORAL       FL   33904          1            08/09/02         00
    0434491874                           08           10/01/02          0
    41410902                             O            09/01/32
    0

    7943107          S11/G02             F          279,900.00         ZZ
                                         360        279,900.00          2
                                       6.875          1,838.74         80
                                       6.625          1,838.74
    SANTA ANA        CA   92703          1            08/05/02         00
    0434456133                           05           10/01/02          0
    10208661                             O            09/01/32
    0

    7943125          W02/G02             F           86,400.00         ZZ
                                         360         86,327.41          1
                                       6.875            567.59         90
                                       6.625            567.59
    ST. PETERSBURG   FL   33703          5            07/26/02         12
    0434450003                           05           09/01/02         25
    1001244163                           O            08/01/32
    0

    7943343          144/144             F          145,000.00         ZZ
                                         360        144,881.14          1
                                       7.000            964.69         44
                                       6.750            964.69
    PUTNAM VALLEY    NY   10579          2            07/26/02         00
    1                                    05           09/01/02          0
    1                                    O            08/01/32
    0

    7943807          E22/G02             F          101,600.00         ZZ
                                         360        101,600.00          1
                                       7.250            693.09         80
                                       7.000            693.09
1

    VINTON           VA   24179          5            08/09/02         00
    0414405027                           05           10/01/02          0
    0414405027                           N            09/01/32
    0

    7943855          E22/G02             F           89,000.00         ZZ
                                         360         88,937.18          1
                                       7.750            637.61         99
                                       7.500            637.61
    KALAMAZOO        MI   49001          2            07/24/02         04
    0414505222                           05           09/01/02         35
    0414505222                           O            08/01/32
    0

    7943863          E22/G02             F          148,500.00         ZZ
                                         360        148,500.00          1
                                       6.750            963.17         59
                                       6.500            963.17
    SILVER SPRING    MD   20902          5            08/06/02         00
    0414509794                           09           10/01/02          0
    0414509794                           O            09/01/32
    0

    7943867          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.625          1,920.93         74
                                       6.375          1,920.93
    DALY CITY        CA   94014          2            08/07/02         00
    0414513267                           07           10/01/02          0
    0414513267                           O            09/01/32
    0

    7943879          E22/G02             F          383,200.00         ZZ
                                         360        383,200.00          1
                                       6.500          2,422.08         80
                                       6.250          2,422.08
    RICHMOND         CA   94803          5            08/02/02         00
    0414529511                           03           10/01/02          0
    0414529511                           O            09/01/32
    0

    7943893          E22/G02             F           68,800.00         ZZ
                                         360         68,800.00          1
                                       6.500            434.86         80
                                       6.250            434.86
    JEFFERSON CITY   TN   37760          5            08/08/02         00
    0414538389                           05           10/01/02          0
    0414538389                           O            09/01/32
    0
1

    7943935          E22/G02             F          174,325.00         ZZ
                                         360        174,325.00          1
                                       7.375          1,204.02         95
                                       7.125          1,204.02
    CHICAGO          IL   60647          1            08/13/02         04
    0414572669                           05           10/01/02         30
    0414572669                           O            09/01/32
    0

    7943991          E22/G02             F          119,960.00         T
                                         360        119,960.00          1
                                       7.125            808.19         80
                                       6.875            808.19
    SEATTLE          WA   98126          1            08/07/02         00
    0414637322                           05           10/01/02          0
    0414637322                           O            09/01/32
    0

    7944003          E22/G02             F          169,600.00         ZZ
                                         360        169,600.00          1
                                       7.250          1,156.97         80
                                       7.000          1,156.97
    COTTAGE GROVE    WI   53527          2            08/08/02         00
    0414652677                           05           10/01/02          0
    0414652677                           O            09/01/32
    0

    7944173          E82/G02             F          182,300.00         ZZ
                                         360        182,300.00          4
                                       7.375          1,259.10         80
                                       7.125          1,259.10
    LODI             CA   95240          5            08/07/02         00
    0400676219                           05           10/01/02          0
    0400676219                           O            09/01/32
    0

    7944177          E82/G02             F           71,400.00         ZZ
                                         360         71,400.00          1
                                       6.875            469.05         83
                                       6.625            469.05
    GRAND PRAIRIE    TX   75051          2            08/08/02         04
    0400656187                           05           10/01/02         12
    0400656187                           O            09/01/32
    0

    7944181          E82/G02             F           99,700.00         ZZ
                                         360         99,700.00          1
1

                                       7.250            680.13         46
                                       7.000            680.13
    SAN JOSE         CA   95118          2            08/12/02         00
    0400667846                           01           10/01/02          0
    1771247                              N            09/01/32
    0

    7944213          W02/G02             F          164,500.00         ZZ
                                         360        164,361.80          1
                                       6.875          1,080.65         79
                                       6.625          1,080.65
    CALLAHAN         FL   32011          5            07/25/02         00
    0434432613                           05           09/01/02          0
    1001338987                           O            08/01/32
    0

    7944313          F19/G02             F          119,000.00         ZZ
                                         360        118,909.45          1
                                       7.375            821.90         35
                                       7.125            821.90
    WATSONVILLE      CA   95076          2            07/16/02         00
    0434431102                           05           09/01/02          0
    877472                               N            08/01/32
    0

    7944331          N47/G02             F          265,600.00         ZZ
                                         360        265,600.00          1
                                       6.875          1,744.80         80
                                       6.625          1,744.80
    SAN MARCOS       CA   92069          2            08/05/02         00
    0434425252                           05           10/01/02          0
    30122062                             O            09/01/32
    0

    7944341          N47/G02             F          168,750.00         ZZ
                                         360        168,750.00          1
                                       7.500          1,179.92         75
                                       7.250          1,179.92
    RICHMOND         CA   94804          5            08/02/02         00
    0434406435                           05           10/01/02          0
    20221259                             N            09/01/32
    0

    7944345          N47/G02             F          160,000.00         ZZ
                                         360        159,865.58          1
                                       6.875          1,051.09         46
                                       6.625          1,051.09
    CHULA VISTA      CA   91910          5            07/23/02         00
    0434407946                           05           09/01/02          0
1

    30121938                             O            08/01/32
    0

    7944349          196/G02             F          152,800.00         T
                                         360        152,700.04          1
                                       8.125          1,134.54         80
                                       7.875          1,134.54
    DANBURY          WI   54830          2            07/10/02         00
    0434462685                           05           09/01/02          0
    1429009                              O            08/01/32
    0

    7944391          E86/G02             F          174,400.00         ZZ
                                         360        174,263.95          1
                                       7.250          1,189.72         80
                                       7.000          1,189.72
    ELDERSBURG       MD   21784          1            07/31/02         00
    0434407532                           03           09/01/02          0
    316691                               O            08/01/32
    0

    7944405          W39/G02             F           71,500.00         ZZ
                                         360         71,450.79          1
                                       7.875            518.43         64
                                       7.625            518.43
    ARLINGTON        TX   76016          2            07/31/02         00
    0434458048                           05           09/01/02          0
    PNI20935                             N            08/01/32
    0

    7944463          W02/G02             F           76,500.00         ZZ
                                         360         76,435.72          1
                                       6.875            502.56         90
                                       6.625            502.56
    TALLAHASSEE      FL   32303          5            07/31/02         12
    0434455275                           05           09/01/02         25
    1001296523                           O            08/01/32
    0

    7944575          N16/G02             F          175,000.00         ZZ
                                         360        174,841.80          1
                                       6.500          1,106.12         70
                                       6.250          1,106.12
    ALISO VIEJO      CA   92656          5            08/05/02         00
    0434430864                           01           09/09/02          0
    609325771                            O            08/09/32
    0

1

    7944931          Q30/G02             F          157,000.00         ZZ
                                         360        156,877.52          1
                                       7.250          1,071.02         80
                                       7.000          1,071.02
    HUNLOCK CREEK    PA   18621          5            07/26/02         00
    0434445979                           05           09/01/02          0
    21015681                             O            08/01/32
    0

    7944971          U05/G02             F          360,000.00         ZZ
                                         360        359,690.05          1
                                       6.750          2,334.95         80
                                       6.500          2,334.95
    THOUSAND OAKS    CA   91360          5            07/26/02         00
    0434459335                           05           09/01/02          0
    3235813                              O            08/01/32
    0

    7945271          964/G02             F          188,100.00         ZZ
                                         360        187,507.73          1
                                       7.250          1,283.17         90
                                       7.000          1,283.17
    PORTLAND         OR   97236          1            04/27/02         04
    0434467809                           05           06/01/02         25
    208806                               O            05/01/32
    0

    7945287          A46/G02             F          103,500.00         ZZ
                                         360        103,500.00          4
                                       6.750            671.30         90
                                       6.500            671.30
    HOUSTON          TX   77088          1            08/07/02         04
    0434430658                           05           10/01/02         25
    0560124                              N            09/01/32
    0

    7945465          X67/G02             F          220,000.00         ZZ
                                         360        219,815.18          1
                                       6.875          1,445.24         74
                                       6.625          1,445.24
    LAS VEGAS        NV   89123          5            07/26/02         00
    0434431383                           03           09/01/02          0
    00268431                             O            08/01/32
    0

    7946427          964/G02             F          144,800.00         ZZ
                                         360        144,432.97          1
                                       6.875            951.23         80
                                       6.625            951.23
1

    VANCOUVER        WA   98682          1            05/29/02         00
    0434467759                           05           07/01/02          0
    215265                               O            06/01/32
    0

    7946495          U66/G02             F           24,500.00         ZZ
                                         360         24,500.00          1
                                       7.875            177.64         70
                                       7.625            177.64
    HOUSTON          TX   77099          1            08/08/02         00
    0434470217                           01           10/01/02          0
    492                                  N            09/01/32
    0

    7946753          E57/G02             F           71,200.00         ZZ
                                         360         71,200.00          1
                                       6.625            455.90         71
                                       6.375            455.90
    LANCASTER        CA   93535          1            08/06/02         00
    0434461976                           05           10/01/02          0
    06008916                             N            09/01/32
    0

    7947335          253/253             F          216,000.00         ZZ
                                         360        215,809.42          1
                                       6.625          1,383.07         80
                                       6.375          1,383.07
    LOUISVILLE       KY   40245          5            07/25/02         00
    424851                               05           09/01/02          0
    424851                               O            08/01/32
    0

    7947347          X60/G02             F          351,400.00         ZZ
                                         360        351,400.00          1
                                       6.625          2,250.05         79
                                       6.375          2,250.05
    BELLEVUE         WA   98007          2            08/08/02         00
    0434445086                           05           10/01/02          0
    10206211                             O            09/01/32
    0

    7947351          940/G02             F          189,000.00         ZZ
                                         360        189,000.00          1
                                       6.875          1,241.60         80
                                       6.625          1,241.60
    LOMA LINDA       CA   92354          5            08/02/02         00
    0434445862                           05           10/01/02          0
    40020523                             O            09/01/32
    0
1

    7947433          E22/G02             F           51,000.00         ZZ
                                         360         51,000.00          1
                                       7.000            339.30         85
                                       6.750            339.30
    WEST PALM BEACH  FL   33409          5            08/09/02         04
    0414205757                           08           10/01/02         12
    0414205757                           O            09/01/32
    0

    7947495          E22/G02             F          232,800.00         ZZ
                                         360        232,800.00          1
                                       6.875          1,529.33         80
                                       6.625          1,529.33
    MIAMI            FL   33176          1            08/08/02         00
    0414454033                           05           10/01/02          0
    0414454033                           O            09/01/32
    0

    7947507          E22/G02             F          192,000.00         ZZ
                                         360        192,000.00          1
                                       6.875          1,261.30         80
                                       6.625          1,261.30
    NORWALK          CA   90650          5            08/09/02         00
    0414470872                           05           10/01/02          0
    0414470872                           O            09/01/32
    0

    7947527          E22/G02             F          228,000.00         ZZ
                                         360        228,000.00          1
                                       6.750          1,478.80         77
                                       6.500          1,478.80
    CHICAGO          IL   60625          1            08/14/02         00
    0414491969                           09           10/01/02          0
    0414491969                           O            09/01/32
    0

    7947541          E22/G02             F          372,400.00         ZZ
                                         360        372,400.00          1
                                       6.625          2,384.52         80
                                       6.375          2,384.52
    COTATI           CA   94931          5            08/07/02         00
    0414513135                           05           10/01/02          0
    0414513135                           O            09/01/32
    0

    7947547          E22/G02             F          262,500.00         ZZ
                                         360        262,500.00          1
1

                                       6.750          1,702.57         70
                                       6.500          1,702.57
    SUMMERLAND KEY   FL   33042          1            08/14/02         00
    0414523993                           05           10/01/02          0
    0414523993                           O            09/01/32
    0

    7947593          E22/G02             F           75,050.00         ZZ
                                         360         75,050.00          1
                                       8.000            550.69         95
                                       7.750            550.69
    ARCADIA          FL   34266          1            08/14/02         01
    0414548495                           05           10/01/02         30
    0414548495                           O            09/01/32
    0

    7947603          E22/G02             F           69,600.00         ZZ
                                         360         69,600.00          1
                                       7.000            463.05         80
                                       6.750            463.05
    MADISON          GA   30650          5            08/09/02         00
    0414563148                           05           10/01/02          0
    0414563148                           O            09/01/32
    0

    7947609          E22/G02             F           64,000.00         ZZ
                                         360         64,000.00          1
                                       7.000            425.79         80
                                       6.750            425.79
    PRINCETON        TX   75407          1            08/14/02         00
    0414565721                           05           10/01/02          0
    0414565721                           O            09/01/32
    0

    7947635          E22/G02             F          488,000.00         ZZ
                                         360        488,000.00          1
                                       6.750          3,165.16         80
                                       6.500          3,165.16
    HUNTINGTON BEAC  CA   92646          5            08/06/02         00
    0414583351                           05           10/01/02          0
    0414583351                           O            09/01/32
    0

    7947641          E22/G02             F          148,500.00         ZZ
                                         360        148,500.00          4
                                       8.000          1,089.64         90
                                       7.750          1,089.64
    CLEARWATER       FL   33756          1            08/14/02         04
    0414584383                           05           10/01/02         25
1

    0414584383                           N            09/01/32
    0

    7947713          E22/G02             F           55,000.00         ZZ
                                         360         55,000.00          1
                                       6.625            352.17         58
                                       6.375            352.17
    BELLINGHAM       WA   98225          1            08/06/02         00
    0414630772                           05           10/01/02          0
    0414630772                           O            09/01/32
    0

    7947723          E22/G02             F           68,850.00         ZZ
                                         360         68,850.00          1
                                       7.000            458.06         90
                                       6.750            458.06
    BRANDON          MS   39047          1            08/14/02         01
    0414653907                           07           10/01/02         25
    0414653907                           O            09/01/32
    0

    7947727          E22/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       8.000          1,291.43         80
                                       7.750          1,291.43
    CINCINNATI       OH   45208          1            08/14/02         00
    0414661348                           05           10/01/02          0
    0414661348                           N            09/01/32
    0

    7947747          E22/G02             F          159,200.00         ZZ
                                         360        159,200.00          1
                                       6.625          1,019.38         80
                                       6.375          1,019.38
    HUMBLE           TX   77346          1            08/14/02         00
    0414723700                           03           10/01/02          0
    0414723700                           O            09/01/32
    0

    7947857          W39/G02             F          555,000.00         ZZ
                                         360        555,000.00          1
                                       6.625          3,553.73         74
                                       6.375          3,553.73
    BIRMINGHAM       AL   35213          5            08/07/02         00
    0434509485                           05           10/01/02          0
    LA022459                             O            09/01/32
    0

1

    7947865          W08/G02             F           87,200.00         ZZ
                                         360         87,200.00          1
                                       7.750            624.71         80
                                       7.500            624.71
    AVENTURA         FL   33160          1            08/08/02         00
    0434449443                           06           10/01/02          0
    021365MG                             O            09/01/32
    0

    7947895          U36/G02             F           66,800.00         ZZ
                                         360         66,749.17          2
                                       7.375            461.37         48
                                       7.125            461.37
    DULUTH           GA   30096          2            07/24/02         00
    0434432274                           05           09/01/02          0
    985101001                            N            08/01/32
    0

    7948031          U36/G02             F          120,000.00         ZZ
                                         360        119,901.64          2
                                       7.000            798.36         70
                                       6.750            798.36
    NORCROSS         GA   30093          1            08/01/02         00
    0434457081                           05           09/01/02          0
    976701001                            N            08/01/32
    0

    7948095          T29/G02             F          182,200.00         ZZ
                                         360        182,200.00          1
                                       7.375          1,258.41         89
                                       7.125          1,258.41
    GILBERT          AZ   85296          2            08/05/02         28
    0434515854                           03           10/01/02         25
    1210935                              O            09/01/32
    0

    7948345          U85/G02             F           92,150.00         ZZ
                                         360         92,084.97          2
                                       7.750            660.17         95
                                       7.500            660.17
    MILWAUKEE        WI   53215          1            07/19/02         27
    0434501904                           05           09/01/02         30
    MARTINEZM                            O            08/01/32
    0

    7948415          588/G02             F          384,750.00         ZZ
                                         360        384,434.62          3
                                       7.000          2,559.75         95
                                       6.750          2,559.75
1

    TOWN OF MORRIST  NJ   07960          1            07/30/02         10
    0434467387                           05           09/01/02         30
    1068227                              O            08/01/32
    0

    7948423          758/G02             F          214,200.00         ZZ
                                         360        214,044.97          3
                                       7.625          1,516.09         90
                                       7.375          1,516.09
    HOUSTON          TX   77007          1            07/31/02         14
    0434429445                           05           09/01/02         25
    102103                               N            08/01/32
    0

    7948463          F89/G02             F          245,600.00         ZZ
                                         360        245,600.00          1
                                       6.750          1,592.96         80
                                       6.500          1,592.96
    SANTA CLARITA    CA   91350          1            08/01/02         00
    0434448312                           05           10/01/02          0
    16921913                             O            09/01/32
    0

    7948501          253/253             F          132,000.00         ZZ
                                         360        131,891.80          1
                                       7.000            878.20         70
                                       6.750            878.20
    NORTHGLENN       CO   80233          2            07/31/02         00
    428153                               05           09/01/02          0
    428153                               N            08/01/32
    0

    7948513          W93/G02             F          115,990.00         ZZ
                                         360        115,890.13          1
                                       6.750            752.31         80
                                       6.500            752.31
    KUNA             ID   83634          1            07/29/02         00
    0434449369                           03           09/01/02          0
    1                                    O            08/01/32
    0

    7948811          U05/G02             F          133,000.00         ZZ
                                         360        133,000.00          1
                                       6.750            862.64         95
                                       6.500            862.64
    PORTLAND         OR   97233          1            08/01/02         10
    0434450649                           05           10/01/02         30
    3240162                              O            09/01/32
    0
1

    7948821          W93/G02             F          136,000.00         ZZ
                                         360        135,880.00          1
                                       6.625            870.83         80
                                       6.375            870.83
    EAGLE POINT      OR   97524          1            07/23/02         00
    0434434833                           05           09/01/02          0
    42341339PG                           O            08/01/32
    0

    7948861          U05/G02             F           48,000.00         ZZ
                                         360         48,000.00          1
                                       7.625            339.74         80
                                       7.375            339.74
    OLD TOWN         ME   04468          1            08/09/02         00
    0434450573                           05           10/01/02          0
    3246387                              N            09/01/32
    0

    7949157          X67/G02             F          145,000.00         ZZ
                                         360        145,000.00          1
                                       6.500            916.50         71
                                       6.250            916.50
    ANAHEIM          CA   92807          5            08/02/02         00
    0434455689                           01           10/01/02          0
    00268727                             O            09/01/32
    0

    7949213          E98/G02             F           43,100.00         ZZ
                                         360         43,100.00          1
                                       7.125            290.37         75
                                       6.875            290.37
    WILLMAR          MN   56201          5            08/13/02         00
    0434453346                           05           10/01/02          0
    8130001613148                        N            09/01/32
    0

    7949611          F25/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
                                       6.625          1,376.67         28
                                       6.375          1,376.67
    BEDFORD          NY   10506          5            08/14/02         00
    0434450037                           05           10/01/02          0
    0207062                              O            09/01/32
    0

    7949615          A06/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
1

                                       6.875            762.04         80
                                       6.625            762.04
    LIVONIA          MI   48150          2            08/08/02         00
    0434448544                           05           10/01/02          0
    025000020217115                      O            09/01/32
    0

    7949837          H58/G02             F          124,000.00         ZZ
                                         360        124,000.00          1
                                       7.625            877.66         80
                                       7.375            877.66
    SACRAMENTO       CA   95833          1            08/05/02         00
    0434532636                           05           10/01/02          0
    0000105094                           N            09/01/32
    0

    7949891          950/G02             F          148,000.00         ZZ
                                         360        147,866.21          1
                                       6.500            935.46         80
                                       6.250            935.46
    MONROE           WA   98272          1            07/15/02         00
    0434445706                           05           09/01/02          0
    E4204032                             O            08/01/32
    0

    7949953          U96/G02             F          236,250.00         ZZ
                                         360        235,693.76          1
                                       7.250          1,611.64         75
                                       7.000          1,611.64
    KEAAU            HI   96749          5            05/03/02         00
    0434465704                           05           07/01/02          0
    20400030                             O            06/01/32
    0

    7950021          P44/G02             F          146,250.00         ZZ
                                         360        146,250.00          1
                                       7.500          1,022.60         75
                                       7.250          1,022.60
    NAPLES           FL   34108          1            08/09/02         00
    0434460861                           05           10/01/02          0
    0011922                              N            09/01/32
    0

    7950155          U05/G02             F          319,000.00         ZZ
                                         360        319,000.00          1
                                       6.500          2,016.30         90
                                       6.250          2,016.30
    RANCHO SANTA MA  CA   92688          5            08/06/02         14
    0434445425                           03           10/01/02         25
1

    3246143                              O            09/01/32
    0

    7950175          642/G02             F           76,160.00         ZZ
                                         360         76,160.00          1
                                       6.500            481.38         80
                                       6.250            481.38
    TULSA            OK   74135          1            08/12/02         00
    0434443156                           05           10/01/02          0
    07180002                             O            09/01/32
    0

    7950187          W93/G02             F           97,400.00         ZZ
                                         360         97,318.17          1
                                       6.875            639.85         80
                                       6.625            639.85
    NAMPA            ID   83686          1            07/15/02         00
    0434434155                           03           09/01/02          0
    35394150                             O            08/01/32
    0

    7950313          X51/G02             F          625,500.00         ZZ
                                         360        625,500.00          1
                                       6.500          3,953.59         75
                                       6.250          3,953.59
    EDWARDS          CO   81632          2            08/09/02         00
    0434449526                           03           10/01/02          0
    1                                    O            09/01/32
    0

    7950571          L76/G02             F          118,500.00         ZZ
                                         360        118,500.00          1
                                       6.250            729.62         46
                                       6.000            729.62
    APPLE VALLEY     MN   55124          2            08/13/02         00
    0434457206                           05           10/01/02          0
    9507039                              O            09/01/32
    0

    7950623          737/G02             F          189,000.00         ZZ
                                         360        189,000.00          4
                                       6.875          1,241.60         70
                                       6.625          1,241.60
    PHOENIX          AZ   85013          5            08/09/02         00
    0434439543                           05           10/01/02          0
    2073535                              N            09/01/32
    0

1

    7950629          L76/G02             F          161,600.00         ZZ
                                         360        161,600.00          1
                                       6.500          1,021.42         80
                                       6.250          1,021.42
    BLOOMINGTON      MN   55420          5            08/14/02         00
    0434445797                           05           10/01/02          0
    9507021                              O            09/01/32
    0

    7950635          737/G02             F          312,000.00         ZZ
                                         360        312,000.00          1
                                       6.750          2,023.63         80
                                       6.500          2,023.63
    FAIR OAKS        CA   95628          5            08/06/02         00
    0434415691                           05           10/01/02          0
    2076031                              O            09/01/32
    0

    7950653          G34/G02             F          240,000.00         ZZ
                                         360        239,803.27          1
                                       7.000          1,596.73         80
                                       6.750          1,596.73
    KIRKLAND         WA   98033          5            07/29/02         00
    0434461026                           05           09/01/02          0
    85204812                             O            08/01/32
    0

    7950661          N74/G02             F           66,500.00         ZZ
                                         360         66,500.00          1
                                       7.750            476.41         95
                                       7.500            476.41
    SALISBURY        NC   28144          2            08/12/02         10
    0434441234                           05           10/01/02         30
    0030567010                           O            09/01/32
    0

    7951941          253/253             F          156,663.00         ZZ
                                         360        156,528.11          1
                                       6.750          1,016.12         80
                                       6.500          1,016.12
    PEARLAND         TX   77584          1            07/30/02         00
    427757                               05           09/01/02          0
    427757                               O            08/01/32
    0

    7952151          J95/G02             F          142,400.00         ZZ
                                         360        141,877.15          1
                                       7.250            971.42         80
                                       7.000            971.42
1

    LAKEPORT         CA   95453          2            06/20/02         00
    0434475992                           05           08/01/02          0
    0029056157                           O            07/01/32
    0

    7952161          J95/G02             F          189,600.00         T
                                         360        189,317.70          1
                                       7.500          1,325.71         80
                                       7.250          1,325.71
    BREWSTER         MA   02631          1            06/28/02         00
    0434475455                           01           08/01/02          0
    0029166592                           O            07/01/32
    0

    7952165          J95/G02             F          515,000.00         ZZ
                                         360        514,598.25          1
                                       7.250          3,513.21         56
                                       7.000          3,513.21
    CENTREVILLE      VA   20120          2            07/19/02         00
    0434475133                           03           09/01/02          0
    0029229226                           O            08/01/32
    0

    7952175          J95/G02             F           51,200.00         ZZ
                                         360         51,088.61          1
                                       7.500            358.00         80
                                       7.250            358.00
    DERRY            NH   03038          1            07/01/02         00
    0434474888                           01           08/01/02          0
    0029312246                           N            07/01/32
    0

    7952177          J95/G02             F           35,200.00         ZZ
                                         360         35,147.58          1
                                       7.500            246.13         80
                                       7.250            246.13
    DERRY            NH   03038          1            06/19/02         00
    0434472916                           01           08/01/02          0
    0029312352                           N            07/01/32
    0

    7952183          J95/G02             F          109,800.00         ZZ
                                         360        109,640.55          1
                                       7.625            777.16         90
                                       7.375            777.16
    HOLLAND          MI   49423          5            06/20/02         14
    0434475778                           05           08/01/02         25
    0029363587                           O            07/01/32
    0
1

    7952189          J95/G02             F          112,500.00         ZZ
                                         360        112,500.00          4
                                       7.750            805.97         90
                                       7.500            805.97
    BRYAN            TX   77801          1            08/01/02         11
    0434480117                           05           10/01/02         25
    0029391877                           N            09/01/32
    0

    7952197          J95/G02             F          322,000.00         ZZ
                                         360        319,390.97          4
                                       7.750          2,306.85         55
                                       7.500          2,306.85
    ATLANTA          GA   30308          5            06/27/02         00
    0434479671                           05           08/01/02          0
    0029537479                           N            07/01/32
    0

    7952199          J95/G02             F          155,700.00         ZZ
                                         360        155,578.54          4
                                       7.250          1,062.15         90
                                       7.000          1,062.15
    NOGALES          AZ   85621          1            07/10/02         10
    0434475752                           05           09/01/02         25
    0029543469                           O            08/01/32
    0

    7952205          J95/G02             F           63,000.00         ZZ
                                         360         62,947.07          1
                                       6.875            413.87         53
                                       6.625            413.87
    ORLANDO          FL   32833          2            07/05/02         00
    0434475091                           05           09/01/02          0
    0029558152                           O            08/01/32
    0

    7952215          J95/G02             F          113,300.00         ZZ
                                         360        113,197.57          4
                                       6.500            716.14         79
                                       6.250            716.14
    FITCHBURG        MA   01420          5            07/15/02         00
    0434475786                           05           09/01/02          0
    0029592250                           O            08/01/32
    0

    7952219          J95/G02             F          125,730.00         ZZ
                                         360        125,624.37          1
1

                                       6.875            825.96         95
                                       6.625            825.96
    MEMPHIS          TN   38128          1            07/23/02         10
    0434479994                           05           09/01/02         30
    0029654688                           O            08/01/32
    0

    7952221          J95/G02             F           44,000.00         ZZ
                                         360         43,968.15          2
                                       7.625            311.43         80
                                       7.375            311.43
    WATERVILLE       ME   04901          1            07/29/02         00
    0434477592                           05           09/01/02          0
    0029675105                           N            08/01/32
    0

    7952227          J95/G02             F          145,600.00         ZZ
                                         360        145,471.53          1
                                       6.625            932.30         80
                                       6.375            932.30
    LENIOR CITY      TN   37772          1            07/26/02         00
    0434478285                           05           09/01/02          0
    0029787892                           O            08/01/32
    0

    7952301          P34/G02             F          139,000.00         ZZ
                                         360        139,000.00          1
                                       7.750            995.82         74
                                       7.500            995.82
    DIGHTON          MA   02715          2            08/09/02         00
    0434448593                           05           10/01/02          0
    61986                                N            09/01/32
    0

    7952363          P34/G02             F          209,000.00         ZZ
                                         360        209,000.00          2
                                       7.750          1,497.31         80
                                       7.500          1,497.31
    REHOBOTH         MA   02769          2            08/09/02         00
    0434453601                           05           10/01/02          0
    61987                                N            09/01/32
    0

    7952371          P27/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.375            623.87         25
                                       6.125            623.87
    CORONA           CA   92883          1            08/13/02         00
    0434467536                           03           10/01/02          0
1

    W64755                               O            09/01/32
    0

    7952425          313/G02             F           97,600.00         ZZ
                                         360         97,600.00          1
                                       6.500            616.90         80
                                       6.250            616.90
    GILBERT          AZ   85234          1            08/07/02         00
    0434450185                           09           10/01/02          0
    0008881393                           N            09/01/32
    0

    7952431          E22/G02             F          621,250.00         ZZ
                                         360        621,250.00          1
                                       7.000          4,133.19         77
                                       6.750          4,133.19
    SUNNYVALE        CA   94087          2            08/02/02         00
    0414308387                           05           10/01/02          0
    0414308387                           O            09/01/32
    0

    7952487          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.375          1,871.61         78
                                       6.125          1,871.61
    YORBA LINDA      CA   92887          5            08/08/02         00
    0414498097                           03           10/01/02          0
    0414498097                           O            09/01/32
    0

    7952489          E22/G02             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.500          2,224.88         80
                                       6.250          2,224.88
    SAN JOSE         CA   95124          5            08/08/02         00
    0414508184                           05           10/01/02          0
    0414508184                           O            09/01/32
    0

    7952561          E22/G02             F          188,700.00         ZZ
                                         360        188,700.00          1
                                       7.500          1,319.42         85
                                       7.250          1,319.42
    HEMET            CA   92544          2            08/09/02         11
    0414608232                           05           10/01/02         12
    0414608232                           O            09/01/32
    0

1

    7952597          E22/G02             F          111,200.00         ZZ
                                         360        111,200.00          1
                                       7.875            806.28         80
                                       7.625            806.28
    LAS VEGAS        NV   89129          1            08/09/02         00
    0414638296                           03           10/01/02          0
    0414638296                           N            09/01/32
    0

    7952623          E22/G02             F          115,000.00         ZZ
                                         360        115,000.00          1
                                       6.750            745.89         70
                                       6.500            745.89
    BIG BEAR CITY    CA   92314          1            08/09/02         00
    0414688663                           05           10/01/02          0
    0414688663                           N            09/01/32
    0

    7952629          E22/G02             F          135,850.00         ZZ
                                         360        135,850.00          1
                                       7.125            915.25         95
                                       6.875            915.25
    HARRISON TWP.    MI   48045          1            08/15/02         01
    0414713420                           01           10/01/02         30
    0414713420                           O            09/01/32
    0

    7952691          E47/G02             F          300,700.00         ZZ
                                         360        300,447.38          3
                                       6.875          1,975.38         63
                                       6.625          1,975.38
    BERKELEY         CA   94710          5            07/25/02         00
    0434455176                           05           09/01/02          0
    7359510760                           O            08/01/32
    0

    7952911          M66/G02             F          124,000.00         ZZ
                                         360        123,905.64          1
                                       7.375            856.44         80
                                       7.125            856.44
    HALEDON          NJ   07508          1            07/30/02         00
    0434458600                           05           09/01/02          0
    92403081                             N            08/01/32
    0

    7952971          X31/G02             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       7.375          2,417.36         76
                                       7.125          2,417.36
1

    NAPA             CA   94558          1            08/07/02         00
    0434415030                           05           10/01/02          0
    40103263                             O            09/01/32
    0

    7953049          477/G02             F          109,200.00         ZZ
                                         360        109,200.00          1
                                       7.625            772.91         80
                                       7.375            772.91
    MESA             AZ   85204          1            08/01/02         00
    0434466561                           03           10/01/02          0
    237833                               O            09/01/32
    0

    7953129          E44/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       7.000          3,326.51         76
                                       6.750          3,326.51
    OREM             UT   84097          2            08/07/02         00
    0434454427                           05           10/01/02          0
    48010213                             O            09/01/32
    0

    7953189          F25/G02             F          295,000.00         ZZ
                                         360        295,000.00          1
                                       6.875          1,937.94         79
                                       6.625          1,937.94
    STATEN ISLAND    NY   10312          1            08/15/02         00
    0434462719                           05           10/01/02          0
    8967139                              O            09/01/32
    0

    7953275          K15/G02             F          160,000.00         ZZ
                                         240        160,000.00          1
                                       6.875          1,228.50         80
                                       6.625          1,228.50
    NASHUA           NH   03060          5            08/10/02         00
    0434450722                           05           10/01/02          0
    033305502093                         O            09/01/22
    0

    7953285          A06/G02             F          156,000.00         ZZ
                                         360        155,868.94          1
                                       6.875          1,024.81         75
                                       6.625          1,024.81
    CORONA           CA   92882          2            07/29/02         00
    0434447157                           05           09/01/02          0
    1                                    O            08/01/32
    0
1

    7953373          K15/G02             F          188,000.00         ZZ
                                         360        188,000.00          1
                                       6.875          1,235.03         80
                                       6.625          1,235.03
    ELMONT           NY   11003          5            08/08/02         00
    0434452314                           05           10/01/02          0
    021205502048                         O            09/01/32
    0

    7953937          696/G02             F          272,150.00         ZZ
                                         360        272,150.00          1
                                       7.000          1,810.62         80
                                       6.750          1,810.62
    CLARKSBURG       MD   20871          1            08/16/02         00
    0434411609                           03           10/01/02          0
    32902135                             O            09/01/32
    0

    7954059          E22/G02             F          182,250.00         ZZ
                                         360        182,250.00          1
                                       6.750          1,182.07         95
                                       6.500          1,182.07
    MILLSTADT        IL   62260          1            08/15/02         04
    0414244012                           05           10/01/02         30
    0414244012                           O            09/01/32
    0

    7954085          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.750          1,945.79         80
                                       6.500          1,945.79
    RICHMOND         TX   77469          1            08/14/02         00
    0414392324                           03           10/01/02          0
    0414392324                           O            09/01/32
    0

    7954095          E22/G02             F          118,400.00         ZZ
                                         360        118,400.00          1
                                       6.500            748.37         80
                                       6.250            748.37
    BOISE            ID   83709          1            08/15/02         00
    0414439935                           05           10/01/02          0
    0414439935                           O            09/01/32
    0

    7954141          E22/G02             F          123,250.00         ZZ
                                         360        123,250.00          1
1

                                       6.875            809.66         95
                                       6.625            809.66
    WINDSOR          CT   06095          1            08/16/02         04
    0414513663                           05           10/01/02         30
    0414513663                           O            09/01/32
    0

    7954195          E22/G02             F           95,400.00         ZZ
                                         360         95,400.00          4
                                       7.125            642.73         90
                                       6.875            642.73
    ALBUQUERQUE      NM   87108          1            08/16/02         01
    0414579847                           05           10/01/02         25
    0414579847                           N            09/01/32
    0

    7954213          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.750            674.54         80
                                       6.500            674.54
    MARYSVILLE       CA   95901          1            08/12/02         00
    0414593186                           05           10/01/02          0
    0414593186                           N            09/01/32
    0

    7954221          E22/G02             F          125,910.00         ZZ
                                         360        125,910.00          1
                                       6.875            827.14         90
                                       6.625            827.14
    ST. CLAIR SHORE  MI   48082          1            08/16/02         01
    0414616854                           05           10/01/02         25
    0414616854                           O            09/01/32
    0

    7954277          E22/G02             F           56,240.00         ZZ
                                         360         56,240.00          1
                                       8.000            412.67         95
                                       7.750            412.67
    MONTGOMERY       AL   36110          5            08/12/02         04
    0414658831                           05           10/01/02         30
    0414658831                           O            09/01/32
    0

    7954287          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       7.750            716.41         80
                                       7.500            716.41
    CONYERS          GA   30012          5            08/16/02         00
    0414680272                           05           10/01/02          0
1

    0414680272                           N            09/01/32
    0

    7954291          E22/G02             F          292,000.00         ZZ
                                         360        292,000.00          2
                                       6.750          1,893.91         80
                                       6.500          1,893.91
    LITTLE FERRY BO  NJ   07643          2            08/12/02         00
    0414686006                           05           10/01/02          0
    0414686006                           O            09/01/32
    0

    7954301          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       7.750            745.07         80
                                       7.500            745.07
    CONYERS          GA   30012          5            08/16/02         00
    0414692483                           05           10/01/02          0
    0414692483                           N            09/01/32
    0

    7954307          E22/G02             F           50,000.00         ZZ
                                         360         50,000.00          1
                                       6.750            324.30         29
                                       6.500            324.30
    ROYAL OAK        MI   48067          5            08/16/02         00
    0414695338                           05           10/01/02          0
    0414695338                           N            09/01/32
    0

    7954311          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       6.750            570.77         77
                                       6.500            570.77
    EUGENE           OR   97401          2            08/12/02         00
    0414696526                           05           10/01/02          0
    0414696526                           N            09/01/32
    0

    7954313          E22/G02             F          130,000.00         ZZ
                                         360        130,000.00          2
                                       7.000            864.89         48
                                       6.750            864.89
    ROYAL OAK        MI   48067          5            08/16/02         00
    0414703090                           05           10/01/02          0
    0414703090                           N            09/01/32
    0

1

    7954371          E86/G02             F           27,400.00         ZZ
                                         360         27,400.00          1
                                       7.000            182.29         66
                                       6.750            182.29
    CRUMP            TN   38327          2            07/29/02         00
    0434449674                           05           10/01/02          0
    193612                               O            09/01/32
    0

    7954533          225/G02             F          225,000.00         ZZ
                                         360        224,824.48          1
                                       7.250          1,534.90         78
                                       7.000          1,534.90
    JOHNSTON         RI   02919          1            07/25/02         00
    0434461919                           05           09/01/02          0
    006208306                            O            08/01/32
    0

    7954537          225/G02             F          400,050.00         ZZ
                                         360        399,469.06          1
                                       7.625          2,831.53         75
                                       7.375          2,831.53
    HILTON HEAD I    SC   29926          1            06/05/02         00
    0434461463                           05           08/01/02          0
    006522931                            O            07/01/32
    0

    7954541          225/G02             F          353,000.00         ZZ
                                         360        352,717.71          1
                                       7.125          2,378.23         74
                                       6.875          2,378.23
    RUMSON           NJ   07760          2            07/11/02         00
    0434476487                           05           09/01/02          0
    006541560                            O            08/01/32
    0

    7954549          225/G02             F          410,000.00         ZZ
                                         360        409,374.12          1
                                       7.375          2,831.77         77
                                       7.125          2,831.77
    STATESVILLE      NC   28625          1            05/20/02         00
    0434475356                           05           07/01/02          0
    006546969                            O            06/01/32
    0

    7954579          225/G02             F          398,400.00         ZZ
                                         360        397,806.81          1
                                       7.500          2,785.67         80
                                       7.250          2,785.67
1

    PRINCETON        NJ   08540          1            07/01/02         00
    0434476388                           05           08/01/02          0
    006588117                            N            07/01/32
    0

    7954603          225/G02             F          186,750.00         ZZ
                                         360        186,621.48          1
                                       7.875          1,354.07         75
                                       7.625          1,354.07
    WHITE POST       VA   22663          2            07/16/02         00
    0434470654                           05           09/01/02          0
    006591609                            O            08/01/32
    0

    7954605          225/G02             F          440,000.00         ZZ
                                         360        439,656.75          1
                                       7.250          3,001.58         80
                                       7.000          3,001.58
    MORRISTOWN       NJ   07960          1            07/22/02         00
    0434470506                           05           09/01/02          0
    006591680                            O            08/01/32
    0

    7954629          225/G02             F          477,000.00         ZZ
                                         360        476,579.16          1
                                       6.625          3,054.28         74
                                       6.375          3,054.28
    ELLICOTT CITY    MD   21042          5            07/22/02         00
    0434494563                           05           09/01/02          0
    006592840                            O            08/01/32
    0

    7954669          225/G02             F          650,000.00         ZZ
                                         360        648,649.17          1
                                       7.875          4,712.96         74
                                       7.625          4,712.96
    TARZANA          CA   91356          2            04/29/02         00
    0434487146                           05           07/01/02          0
    007358316                            O            06/01/32
    0

    7954683          225/G02             F          456,000.00         ZZ
                                         360        455,334.60          1
                                       7.750          3,266.84         74
                                       7.500          3,266.84
    SALT LAKE CITY   UT   84109          2            06/26/02         00
    0434476255                           05           08/01/02          0
    007374105                            O            07/01/32
    0
1

    7954721          225/G02             F          392,000.00         ZZ
                                         360        391,430.74          1
                                       7.625          2,774.56         80
                                       7.375          2,774.56
    QUEEN CREEK      AZ   85242          2            06/28/02         00
    0434461513                           05           08/01/02          0
    007379031                            O            07/01/32
    0

    7954729          225/G02             F          340,000.00         ZZ
                                         360        339,741.28          1
                                       7.375          2,348.30         46
                                       7.125          2,348.30
    POWAY            CA   92064          5            07/17/02         00
    0434475448                           05           09/01/02          0
    007379595                            O            08/01/32
    0

    7954749          225/G02             F          376,500.00         ZZ
                                         360        376,259.92          1
                                       8.250          2,828.52         75
                                       8.000          2,828.52
    MONMOUTH BEAC    NJ   07750          1            07/10/02         00
    0434475463                           01           09/01/02          0
    006590428                            N            08/01/32
    0

    7954775          225/G02             F          420,000.00         ZZ
                                         360        419,647.15          1
                                       6.875          2,759.10         80
                                       6.625          2,759.10
    CHARLESTON       SC   29492          2            07/17/02         00
    0434487203                           03           09/01/02          0
    006584923                            O            08/01/32
    0

    7954795          225/G02             F          430,840.00         ZZ
                                         360        430,512.16          1
                                       7.375          2,975.71         80
                                       7.125          2,975.71
    PALM BEACH GA    FL   33418          1            07/22/02         00
    0434461596                           03           09/01/02          0
    007368238                            O            08/01/32
    0

    7954797          225/G02             F          489,000.00         ZZ
                                         360        488,341.59          1
1

                                       8.000          3,588.11         28
                                       7.750          3,588.11
    LAKE FOREST      IL   60045          2            06/24/02         00
    0434476123                           03           08/01/02          0
    007371376                            O            07/01/32
    0

    7954801          225/G02             F          335,750.00         ZZ
                                         360        335,202.66          1
                                       7.375          2,318.94         76
                                       7.125          2,318.94
    CHICAGO          IL   60607          1            06/27/02         00
    0434493003                           03           08/01/02          0
    007377696                            O            07/01/32
    0

    7954807          225/G02             F          450,000.00         ZZ
                                         360        449,648.95          1
                                       7.250          3,069.80         75
                                       7.000          3,069.80
    NEWNAN           GA   30265          2            07/10/02         00
    0434487187                           03           09/01/02          0
    007379586                            O            08/01/32
    0

    7954825          225/G02             F          307,100.00         ZZ
                                         360        306,872.09          1
                                       7.500          2,147.29         80
                                       7.250          2,147.29
    DAVIE            FL   33328          1            07/11/02         00
    0434461711                           03           09/01/02          0
    008477289                            O            08/01/32
    0

    7954839          225/G02             F          134,550.00         ZZ
                                         360        134,450.14          3
                                       7.500            940.80         90
                                       7.250            940.80
    SUSSEX           NJ   07461          1            06/18/02         10
    0434461802                           05           08/01/02         25
    007375194                            N            07/01/32
    0

    7954847          225/G02             F          171,450.00         ZZ
                                         360        171,201.01          3
                                       7.625          1,213.52         90
                                       7.375          1,213.52
    NEW BERLIN       WI   53151          5            06/28/02         10
    0434476172                           05           08/01/02         25
1

    007380292                            O            07/01/32
    0

    7954919          E82/G02             F          118,400.00         ZZ
                                         360        118,400.00          1
                                       6.625            758.13         80
                                       6.375            758.13
    MILWAUKIE        OR   97267          2            08/14/02         00
    0400675823                           05           10/01/02          0
    5021472                              O            09/01/32
    0

    7954927          E82/G02             F          116,300.00         ZZ
                                         360        116,300.00          1
                                       6.875            764.01         60
                                       6.625            764.01
    CEDARVILLE       NJ   08311          2            08/09/02         00
    0400662417                           05           10/01/02          0
    2865380                              O            09/01/32
    0

    7954931          E82/G02             F          118,750.00         ZZ
                                         360        118,750.00          1
                                       7.250            810.08         80
                                       7.000            810.08
    MIDDLETOWN       NJ   07748          5            08/15/02         00
    0400674859                           05           10/01/02          0
    0400674859                           O            09/01/32
    0

    7954947          E82/G02             F          150,000.00         T
                                         360        150,000.00          1
                                       7.250          1,023.26         40
                                       7.000          1,023.26
    KURE BEACH       NC   28449          2            08/13/02         00
    0400661864                           05           10/01/02          0
    7114597                              O            09/01/32
    0

    7954959          E82/G02             F          177,000.00         ZZ
                                         360        177,000.00          1
                                       6.750          1,148.02         48
                                       6.500          1,148.02
    CULVER CITY      CA   90230          2            08/09/02         00
    0400662110                           05           10/01/02          0
    0400662110                           O            09/01/32
    0

1

    7954965          E82/G02             F          146,400.00         ZZ
                                         360        146,400.00          1
                                       6.875            961.74         66
                                       6.625            961.74
    THOUSAND OAKS    CA   91360          2            08/09/02         00
    0400662045                           05           10/01/02          0
    189308                               O            09/01/32
    0

    7954969          E82/G02             F          258,000.00         T
                                         360        258,000.00          1
                                       7.000          1,716.48         77
                                       6.750          1,716.48
    SANTA ROSA BEAC  FL   32459          2            08/16/02         00
    0400672333                           05           10/01/02          0
    4697992                              O            09/01/32
    0

    7954981          E82/G02             F           50,300.00         ZZ
                                         360         50,300.00          1
                                       6.875            330.44         64
                                       6.625            330.44
    ENGLEWOOD        FL   34224          2            08/14/02         00
    0400674503                           05           10/01/02          0
    1976164                              O            09/01/32
    0

    7955007          E82/G02             F          133,000.00         ZZ
                                         360        133,000.00          4
                                       7.500            929.96         67
                                       7.250            929.96
    ANACORTES        WA   98221          2            08/19/02         00
    0400668430                           05           10/01/02          0
    1986008                              N            09/01/32
    0

    7955009          E82/G02             F           54,700.00         ZZ
                                         360         54,700.00          2
                                       7.750            391.88         60
                                       7.500            391.88
    CLEVELAND        OH   44102          2            08/19/02         00
    0400663407                           05           10/01/02          0
    3226996                              N            09/01/32
    0

    7955015          E82/G02             F           96,400.00         T
                                         360         96,400.00          1
                                       6.875            633.28         35
                                       6.625            633.28
1

    CAPITOLA         CA   95010          2            08/12/02         00
    0400667887                           01           10/01/02          0
    1771297                              O            09/01/32
    0

    7955035          E82/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
                                       7.000          1,430.40         63
                                       6.750          1,430.40
    BIG LAKE         AK   99652          5            08/09/02         00
    0400635975                           05           10/01/02          0
    0400635975                           O            09/01/32
    0

    7956981          G34/G02             F          475,000.00         ZZ
                                         360        475,000.00          1
                                       6.625          3,041.48         53
                                       6.375          3,041.48
    BERKELEY         CA   94705          1            08/06/02         00
    0434455028                           05           10/01/02          0
    48200374                             O            09/01/32
    0

    7957091          E77/G02             F          155,200.00         ZZ
                                         360        155,069.62          1
                                       6.875          1,019.55         80
                                       6.625          1,019.55
    SERVERN          MD   21144          1            07/31/02         00
    0434462008                           03           09/01/02          0
    1080002151                           O            08/01/32
    0

    7957205          N67/G02             F          305,000.00         ZZ
                                         360        304,730.90          1
                                       6.625          1,952.95         73
                                       6.375          1,952.95
    SCOTTSDALE       AZ   85259          5            07/09/02         00
    0434420402                           03           09/01/02          0
    1760002862A                          O            08/01/32
    0

    7957229          N67/G02             F          215,500.00         ZZ
                                         360        215,340.07          1
                                       7.500          1,506.81         80
                                       7.250          1,506.81
    PEORIA           AZ   85383          1            07/11/02         00
    0434420584                           03           09/01/02          0
    1781002080A                          O            08/01/32
    0
1

    7957303          N67/G02             F          236,000.00         ZZ
                                         360        235,829.19          1
                                       7.625          1,670.39         80
                                       7.375          1,670.39
    HENDERSON        NV   89014          1            07/10/02         00
    0434420949                           03           09/01/02          0
    1782001557A                          O            08/01/32
    0

    7957367          N67/G02             F          139,150.00         ZZ
                                         360        139,049.29          1
                                       7.625            984.89         89
                                       7.375            984.89
    HUNTERSVILLE     NC   28078          1            07/16/02         01
    0434421343                           03           09/01/02         30
    3252002187A                          O            08/01/32
    0

    7957455          N67/G02             F           70,000.00         ZZ
                                         360         69,957.59          1
                                       8.500            538.24         87
                                       8.250            538.24
    PETERSBURG       VA   23805          1            07/16/02         12
    0434423521                           05           09/01/02         30
    3254001131A                          O            08/01/32
    0

    7957779          N67/G02             F          264,250.00         ZZ
                                         360        264,022.49          1
                                       6.750          1,713.92         54
                                       6.500          1,713.92
    VIRGINA BEACH    VA   23456          1            07/17/02         00
    0434424024                           05           09/01/02          0
    3274003171A                          O            08/01/32
    0

    7957807          G51/G02             F          193,600.00         ZZ
                                         360        193,600.00          2
                                       7.500          1,353.68         80
                                       7.250          1,353.68
    LAS VEGAS        NV   89119          1            08/08/02         00
    0434456802                           05           10/01/02          0
    892431                               N            09/01/32
    0

    7957811          E86/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
1

                                       7.000            798.36         23
                                       6.750            798.36
    BEDFORD CORNERS  NY   10549          1            08/07/02         00
    0434458097                           05           10/01/02          0
    316741                               O            09/01/32
    0

    7957855          K15/G02             F           97,000.00         ZZ
                                         360         97,000.00          1
                                       7.625            686.56         84
                                       7.375            686.56
    ALBUQUERQUE      NM   87107          5            08/08/02         11
    0434456448                           05           10/01/02         12
    033505302127                         O            09/01/32
    0

    7957937          U05/G02             F          270,400.00         ZZ
                                         360        270,183.77          1
                                       7.125          1,821.73         80
                                       6.875          1,821.73
    HUMBLE           TX   77345          5            07/26/02         00
    0434463691                           03           09/01/02          0
    3248475                              O            08/01/32
    0

    7957945          K15/G02             F          143,000.00         ZZ
                                         360        143,000.00          2
                                       6.875            939.41         48
                                       6.625            939.41
    ROXBURY          MA   02119          5            08/09/02         00
    0434449757                           05           10/01/02          0
    013805309807                         O            09/01/32
    0

    7957985          U05/G02             F          155,100.00         ZZ
                                         360        155,100.00          1
                                       6.500            980.34         80
                                       6.250            980.34
    PORTLAND         OR   97203          1            08/01/02         00
    0434462446                           05           10/01/02          0
    3251029                              O            09/01/32
    0

    7958065          U28/G02             F          187,419.00         ZZ
                                         360        187,419.00          1
                                       7.250          1,278.53         79
                                       7.000          1,278.53
    DACULA           GA   30019          1            08/08/02         00
    0434457313                           03           10/01/02          0
1

    2000003061                           O            09/01/32
    0

    7958157          X67/G02             F           91,500.00         ZZ
                                         360         91,430.37          1
                                       7.375            631.97         55
                                       7.125            631.97
    CRESTLINE        CA   92325          1            07/24/02         00
    0434457974                           05           09/01/02          0
    00268424                             N            08/01/32
    0

    7958169          X72/G02             F          103,100.00         ZZ
                                         360        103,100.00          1
                                       7.125            694.60         80
                                       6.875            694.60
    FORT COLLINS     CO   80521          1            08/14/02         00
    0434464368                           01           10/01/02          0
    11001028                             N            09/01/32
    0

    7958609          U05/G02             F           98,250.00         ZZ
                                         360         98,169.46          1
                                       7.000            653.66         80
                                       6.750            653.66
    PORTLAND         OR   97213          1            07/27/02         00
    0434457164                           05           09/01/02          0
    3234548                              N            08/01/32
    0

    7958955          U05/G02             F          150,000.00         ZZ
                                         360        149,882.99          1
                                       7.250          1,023.26         75
                                       7.000          1,023.26
    SAN ANTONIO      TX   78210          5            07/23/02         00
    0434461208                           05           09/01/02          0
    3245355                              O            08/01/32
    0

    7958977          N47/G02             F          391,000.00         ZZ
                                         360        391,000.00          1
                                       6.625          2,503.62         60
                                       6.375          2,503.62
    SAN JOSE         CA   95148          2            08/09/02         00
    0434448346                           05           10/01/02          0
    20321112                             O            09/01/32
    0

1

    7959175          286/286             F           62,400.00         ZZ
                                         360         62,355.95          1
                                       7.750            447.05         80
                                       7.500            447.05
    NEWARK           OH   43055          1            07/19/02         00
    1381738                              05           09/01/02          0
    1381738                              N            08/01/32
    0

    7959177          286/286             F          237,000.00         ZZ
                                         360        236,504.12          1
                                       7.250          1,616.76         69
                                       7.000          1,616.76
    ANNAPOLIS        MD   21403          5            06/24/02         00
    1331985                              01           08/01/02          0
    1331985                              N            07/01/32
    0

    7959181          286/286             F           92,800.00         ZZ
                                         360         92,729.38          1
                                       7.375            640.95         80
                                       7.125            640.95
    PORTSMOUTH       OH   45662          1            07/08/02         00
    1354112                              05           09/01/02          0
    1354112                              N            08/01/32
    0

    7959189          286/286             F           80,000.00         ZZ
                                         360         79,874.79          1
                                       7.250            545.75         90
                                       7.000            545.75
    BLOOMINGTON      IL   61704          1            06/27/02         10
    1325470                              05           08/01/02         25
    1325470                              N            07/01/32
    0

    7959193          286/286             F           65,100.00         ZZ
                                         360         65,003.07          1
                                       7.500            455.19         90
                                       7.250            455.19
    TUCSON           AZ   85712          1            06/05/02         14
    1279445                              05           08/01/02         25
    1279445                              N            07/01/32
    0

    7959199          286/286             F          176,000.00         ZZ
                                         360        175,737.94          3
                                       7.500          1,230.62         80
                                       7.250          1,230.62
1

    HILLIARD         OH   43026          1            06/28/02         00
    1329985                              05           08/01/02          0
    1329985                              N            07/01/32
    0

    7959201          286/286             F          229,200.00         ZZ
                                         360        229,021.20          4
                                       7.250          1,563.55         80
                                       7.000          1,563.55
    ROCHESTER        MI   48307          1            07/12/02         00
    1327373                              05           09/01/02          0
    1327373                              N            08/01/32
    0

    7959203          286/286             F           68,000.00         ZZ
                                         360         67,945.62          2
                                       7.125            458.13         79
                                       6.875            458.13
    LEWISTON         ID   83501          5            07/10/02         00
    1373628                              05           09/01/02          0
    1373628                              N            08/01/32
    0

    7959205          286/286             F           36,000.00         ZZ
                                         360         35,883.98          1
                                       7.875            261.03         90
                                       7.625            261.03
    NEW CASTLE       PA   16101          1            06/25/02         10
    1340145                              05           08/01/02         25
    1340145                              N            07/01/32
    0

    7959207          286/286             F          146,700.00         ZZ
                                         360        144,537.90          4
                                       8.250          1,102.11         90
                                       7.875          1,102.11
    AUSTIN           TX   78723          1            04/16/01         19
    148263                               05           06/01/01         30
    148263                               N            05/01/31
    0

    7959215          286/286             F           59,000.00         ZZ
                                         360         58,912.15          1
                                       7.500            412.54         56
                                       7.250            412.54
    JEFFERSONVILLE   IN   47130          1            06/20/02         00
    1329970                              05           08/01/02          0
    1329970                              N            07/01/32
    0
1

    7959219          286/286             F           43,400.00         ZZ
                                         360         43,291.86          1
                                       7.750            310.92         70
                                       7.500            310.92
    KANSAS CITY      KS   66102          5            05/24/02         00
    1309097                              05           07/01/02          0
    1309097                              N            06/01/32
    0

    7959221          286/286             F          208,500.00         ZZ
                                         360        208,189.55          4
                                       7.500          1,457.87         71
                                       7.250          1,457.87
    HAVERSTRAW       NY   10927          2            06/24/02         00
    1267534                              05           08/01/02          0
    1267534                              N            07/01/32
    0

    7959223          286/286             F           65,000.00         ZZ
                                         300         64,862.83          1
                                       8.000            501.69         80
                                       7.750            501.69
    ST PETERSBURG    FL   33710          5            06/21/02         00
    1286477                              05           08/01/02          0
    1286477                              N            07/01/27
    0

    7959225          286/286             F           88,000.00         ZZ
                                         360         87,868.97          1
                                       7.500            615.31         80
                                       7.250            615.31
    EAST POINTE      MI   48069          1            06/21/02         00
    1324060                              05           08/01/02          0
    1324060                              N            07/01/32
    0

    7959227          286/286             F           71,300.00         ZZ
                                         360         71,140.26          1
                                       7.500            498.54         89
                                       7.250            498.54
    EDMOND           OK   73013          2            05/13/02         14
    1286514                              03           07/01/02         25
    1286514                              N            06/01/32
    0

    7959229          286/286             F          112,000.00         ZZ
                                         360        111,824.73          1
1

                                       7.250            764.04         78
                                       7.000            764.04
    DECATUR          GA   30032          5            06/14/02         00
    1337264                              05           08/01/02          0
    1337264                              N            07/01/32
    0

    7959235          286/286             F           66,000.00         ZZ
                                         360         65,951.01          1
                                       7.500            461.49         80
                                       7.250            461.49
    CHAMPAIGN        IL   61820          1            07/18/02         00
    1314583                              05           09/01/02          0
    1314583                              N            08/01/32
    0

    7959239          286/286             F           30,600.00         ZZ
                                         360         30,554.44          1
                                       7.500            213.96         90
                                       7.250            213.96
    BOSSIER CITY     LA   71111          1            06/13/02         11
    1327266                              05           08/01/02         25
    1327266                              N            07/01/32
    0

    7959241          286/286             F           30,600.00         ZZ
                                         360         30,554.44          1
                                       7.500            213.96         90
                                       7.250            213.96
    BOSSIER CITY     LA   71111          1            06/13/02         04
    1327271                              05           08/01/02         25
    1327271                              N            07/01/32
    0

    7959243          286/286             F           29,700.00         ZZ
                                         360         29,655.78          1
                                       7.500            207.67         90
                                       7.250            207.67
    BOSSIER CITY     LA   71111          1            06/13/02         10
    1331682                              05           08/01/02         25
    1331682                              N            07/01/32
    0

    7959245          286/286             F           29,700.00         ZZ
                                         360         29,655.78          1
                                       7.500            207.67         90
                                       7.250            207.67
    BOSSIER CITY     LA   71111          1            06/13/02         04
    1331692                              01           08/01/02         25
1

    1331692                              N            07/01/32
    0

    7959247          286/286             F           49,600.00         ZZ
                                         360         49,563.31          2
                                       7.625            351.07         80
                                       7.375            351.07
    NEW BRIGHTON     PA   15066          1            07/08/02         00
    1334115                              05           09/01/02          0
    1334115                              N            08/01/32
    0

    7959249          286/286             F           55,300.00         ZZ
                                         360         55,261.94          1
                                       7.875            400.97         85
                                       7.625            400.97
    OWENSBORO        KY   42301          2            07/10/02         11
    1274960                              05           09/01/02         12
    1274960                              N            08/01/32
    0

    7959251          286/286             F           54,000.00         ZZ
                                         360         53,834.09          3
                                       7.375            372.97         80
                                       7.125            372.97
    ROCKFORD         IL   61104          1            04/25/02         00
    1087831                              05           06/01/02          0
    1087831                              N            05/01/32
    0

    7959261          286/286             F          220,400.00         ZZ
                                         360        220,055.08          3
                                       7.250          1,503.52         80
                                       7.000          1,503.52
    BURLINGTON       VT   05401          1            07/01/02         00
    1317864                              05           08/01/02          0
    1317864                              N            07/01/32
    0

    7959263          286/286             F          144,000.00         ZZ
                                         360        143,774.64          2
                                       7.250            982.34         78
                                       7.000            982.34
    BURLINGTON       VT   05401          2            07/01/02         00
    1352302                              05           08/01/02          0
    1352302                              N            07/01/32
    0

1

    7959265          286/286             F           27,900.00         ZZ
                                         360         27,861.46          1
                                       7.875            202.30         90
                                       7.625            202.30
    FORT WAYNE       IN   46807          1            07/01/02         11
    1322058                              05           08/01/02         25
    1322058                              N            07/01/32
    0

    7959267          286/286             F          205,100.00         ZZ
                                         360        204,786.90          4
                                       7.375          1,416.58         70
                                       7.125          1,416.58
    NORTH PLAINFIEL  NJ   07060          5            06/25/02         00
    1099985                              05           08/01/02          0
    1099985                              N            07/01/32
    0

    7959269          286/286             F           90,000.00         ZZ
                                         360         89,862.60          1
                                       7.375            621.61         90
                                       7.125            621.61
    BOSSIER CITY     LA   71112          1            06/26/02         11
    1336622                              05           08/01/02         25
    1336622                              N            07/01/32
    0

    7959273          286/286             F           34,550.00         ZZ
                                         360         34,503.47          1
                                       8.000            253.52         76
                                       7.750            253.52
    HAZELWOOD        MO   63042          2            06/24/02         00
    1292923                              05           08/01/02          0
    1292923                              N            07/01/32
    0

    7959281          286/286             F           52,500.00         ZZ
                                         360         52,409.92          2
                                       8.000            385.23         79
                                       7.750            385.23
    ST ANN           MO   63074          5            06/11/02         00
    1294841                              05           08/01/02          0
    1294841                              N            07/01/32
    0

    7959283          286/286             F           55,120.00         ZZ
                                         360         55,039.95          1
                                       7.625            390.14         80
                                       7.375            390.14
1

    CHARLOTTESVILLE  VA   22903          1            06/21/02         00
    1019431                              05           08/01/02          0
    1019431                              N            07/01/32
    0

    7959285          286/286             F           72,000.00         ZZ
                                         360         71,892.79          1
                                       7.500            503.44         80
                                       7.250            503.44
    SPRING           TX   77373          5            06/21/02         00
    1341472                              03           08/01/02          0
    1341472                              N            07/01/32
    0

    7959287          286/286             F           56,000.00         ZZ
                                         360         55,916.60          2
                                       7.500            391.57         80
                                       7.250            391.57
    PENSACOLA        FL   32514          1            07/03/02         00
    1372073                              05           08/01/02          0
    1372073                              N            07/01/32
    0

    7959289          286/286             F           46,000.00         ZZ
                                         360         45,936.47          2
                                       7.875            333.54         65
                                       7.625            333.54
    SPRINGFIELD      MA   01151          2            06/28/02         00
    1302557                              05           08/01/02          0
    1302557                              N            07/01/32
    0

    7959291          286/286             F           52,000.00         ZZ
                                         360         51,920.62          1
                                       7.375            359.15         54
                                       7.125            359.15
    SUN CITY         AZ   85373          1            06/17/02         00
    1310911                              05           08/01/02          0
    1310911                              N            07/01/32
    0

    7959293          286/286             F          113,400.00         ZZ
                                         360        113,231.15          2
                                       7.500            792.91         90
                                       7.250            792.91
    PATERSON         NJ   07504          1            06/24/02         11
    234595                               05           08/01/02         30
    234595                               N            07/01/32
    0
1

    7959295          286/286             F           49,500.00         ZZ
                                         360         49,433.34          2
                                       8.000            363.22         90
                                       7.750            363.22
    IRVINGTON        NJ   07003          1            06/14/02         12
    1012244                              05           08/01/02         25
    1012244                              N            07/01/32
    0

    7959297          286/286             F          122,400.00         ZZ
                                         360        122,213.15          1
                                       7.375            845.39         90
                                       7.125            845.39
    NEWARK           DE   19713          1            06/28/02         11
    1376621                              05           08/01/02         25
    1376621                              N            07/01/32
    0

    7959303          286/286             F           32,580.00         ZZ
                                         360         32,554.58          1
                                       7.250            222.26         90
                                       7.000            222.26
    BOSSIER CITY     LA   71111          1            07/18/02         11
    1362500                              05           09/01/02         25
    1362500                              N            08/01/32
    0

    7959309          286/286             F          149,500.00         ZZ
                                         360        149,277.40          1
                                       7.500          1,045.33         85
                                       7.250          1,045.33
    LOVELAND         OH   45140          2            06/19/02         11
    1334825                              05           08/01/02         12
    1334825                              N            07/01/32
    0

    7959315          286/286             F          147,000.00         ZZ
                                         360        146,785.33          1
                                       7.250          1,002.80         77
                                       7.000          1,002.80
    COLUMBUS         OH   43230          1            07/19/02         00
    1375491                              05           09/01/02          0
    1375491                              N            08/01/32
    0

    7959321          286/286             F           67,500.00         ZZ
                                         360         67,404.41          1
1

                                       7.750            483.58         90
                                       7.500            483.58
    ORLANDO          FL   32817          1            07/02/02         11
    1301379                              05           08/01/02         25
    1301379                              N            07/01/32
    0

    7959323          286/286             F           52,000.00         ZZ
                                         360         51,873.44          1
                                       7.875            377.04         80
                                       7.625            377.04
    TRENTON          FL   32693          5            05/06/02         00
    1270686                              27           07/01/02          0
    1270686                              N            06/01/32
    0

    7959325          286/286             F           73,600.00         ZZ
                                         300         72,965.22          1
                                       7.125            526.08         80
                                       6.875            526.08
    INDIANAPOLIS     IN   46214          2            01/15/02         00
    879688                               03           03/01/02          0
    879688                               N            02/01/27
    0

    7959329          286/286             F          232,000.00         ZZ
                                         360        231,814.47          1
                                       7.125          1,563.03         80
                                       6.875          1,563.03
    CHICAGO          IL   60614          1            07/15/02         00
    1361046                              01           09/01/02          0
    1361046                              N            08/01/32
    0

    7959333          286/286             F           44,000.00         ZZ
                                         360         43,940.75          1
                                       8.000            322.86         80
                                       7.750            322.86
    EVANSVILLE       IN   47712          5            07/05/02         00
    1374468                              05           08/01/02          0
    1374468                              N            07/01/32
    0

    7959335          286/286             F           54,000.00         ZZ
                                         360         53,923.51          1
                                       7.750            386.87         63
                                       7.500            386.87
    SHARPSVILLE      PA   16150          2            07/02/02         00
    1336368                              05           08/01/02          0
1

    1336368                              N            07/01/32
    0

    7959341          286/286             F          209,950.00         ZZ
                                         360        209,637.40          1
                                       7.500          1,468.00         85
                                       7.250          1,468.00
    HIGHLANDS RANCH  CO   80126          5            06/18/02         11
    1326207                              03           08/01/02         12
    1326207                              N            07/01/32
    0

    7959353          286/286             F           62,010.00         ZZ
                                         360         61,921.77          1
                                       7.750            444.25         90
                                       7.500            444.25
    UPPER DARBY      PA   19082          1            07/05/02         12
    1306715                              05           08/01/02         25
    1306715                              N            07/01/32
    0

    7959359          286/286             F           45,000.00         ZZ
                                         360         44,872.80          1
                                       7.500            314.65         74
                                       7.250            314.65
    FLORENCE         SC   29501          5            06/20/02         00
    1353409                              05           08/01/02          0
    1353409                              N            07/01/32
    0

    7959361          286/286             F          194,400.00         ZZ
                                         360        193,985.70          4
                                       7.750          1,392.71         80
                                       7.500          1,392.71
    MIAMI            FL   33125          1            05/14/02         00
    1281810                              05           07/01/02          0
    1281810                              N            06/01/32
    0

    7959365          286/286             F          360,000.00         ZZ
                                         300        359,564.31          4
                                       7.125          2,573.19         52
                                       6.875          2,573.19
    JERSEY CITY      NJ   07302          5            07/10/02         00
    547040                               05           09/01/02          0
    547040                               N            08/01/27
    0

1

    7959373          286/286             F           56,700.00         ZZ
                                         360         56,661.95          1
                                       8.000            416.05         90
                                       7.750            416.05
    CHICAGO          IL   60629          1            07/23/02         12
    1336700                              01           09/01/02         25
    1336700                              N            08/01/32
    0

    7959375          286/286             F          293,930.00         ZZ
                                         360        293,686.04          1
                                       7.750          2,105.76         70
                                       7.500          2,105.76
    CHALFONT         PA   18914          1            07/12/02         00
    1352517                              05           09/01/02          0
    1352517                              N            08/01/32
    0

    7959377          286/286             F          300,700.00         ZZ
                                         360        300,252.22          1
                                       7.500          2,102.54         80
                                       7.250          2,102.54
    NORTHBROOK       IL   60062          1            06/14/02         00
    1337069                              05           08/01/02          0
    1337069                              N            07/01/32
    0

    7959379          286/286             F           82,800.00         ZZ
                                         360         82,735.40          1
                                       7.250            564.85         84
                                       7.000            564.85
    WEST DEPTFORD    NJ   08086          2            07/10/02         14
    1324848                              01           09/01/02         12
    1324848                              N            08/01/32
    0

    7959383          286/286             F           73,800.00         ZZ
                                         360         73,687.34          1
                                       7.375            509.72         90
                                       7.125            509.72
    SILVER SPRING    MD   20903          1            06/21/02         11
    1338062                              06           08/01/02         25
    1338062                              N            07/01/32
    0

    7959387          286/286             F           72,000.00         ZZ
                                         360         71,942.42          1
                                       7.125            485.08         80
                                       6.875            485.08
1

    NEWARK           OH   43055          5            07/10/02         00
    1326017                              05           09/01/02          0
    1326017                              N            08/01/32
    0

    7959389          286/286             F          184,000.00         ZZ
                                         360        183,726.03          4
                                       7.500          1,286.56         80
                                       7.250          1,286.56
    BRIDGEPORT       PA   19405          1            06/25/02         00
    1065733                              05           08/01/02          0
    1065733                              N            07/01/32
    0

    7959393          286/286             F          158,900.00         ZZ
                                         360        158,686.03          1
                                       8.000          1,165.96         80
                                       7.750          1,165.96
    ORLAND PARK      IL   60467          1            06/28/02         00
    907328                               03           08/01/02          0
    907328                               N            07/01/32
    0

    7959395          286/286             F           56,700.00         ZZ
                                         360         56,609.05          1
                                       7.125            382.00         90
                                       6.875            382.00
    MIDWEST CITY     OK   73130          1            06/14/02         12
    1325870                              05           08/01/02         25
    1325870                              N            07/01/32
    0

    7959397          286/286             F           72,000.00         ZZ
                                         360         71,878.57          1
                                       8.125            534.60         90
                                       7.875            534.60
    MARBLEHEAD       OH   43440          1            06/26/02         11
    1345735                              05           08/01/02         25
    1345735                              N            07/01/32
    0

    7959403          286/286             F          112,500.00         ZZ
                                         360        112,332.49          1
                                       7.500            786.62         90
                                       7.250            786.62
    CAPE CORAL       FL   33904          1            06/07/02         21
    1337718                              01           08/01/02         25
    1337718                              N            07/01/32
    0
1

    7959405          286/286             F           87,200.00         ZZ
                                         360         87,135.28          1
                                       7.500            609.72         80
                                       7.250            609.72
    BROWNSBURG       IN   46112          1            07/22/02         00
    1397136                              05           09/01/02          0
    1397136                              N            08/01/32
    0

    7959407          286/286             F           60,800.00         ZZ
                                         360         60,676.79          2
                                       8.000            446.13         80
                                       7.750            446.13
    SAGINAW          MI   48602          5            05/10/02         00
    1285249                              05           07/01/02          0
    1285249                              N            06/01/32
    0

    7959411          286/286             F           23,800.00         ZZ
                                         360         23,741.14          1
                                       8.000            174.64         85
                                       7.750            174.64
    TOPEKA           KS   66605          5            06/10/02         11
    1304876                              05           08/01/02         12
    1304876                              N            07/01/32
    0

    7959413          286/286             F          175,000.00         ZZ
                                         360        174,745.87          1
                                       7.625          1,238.64         80
                                       7.375          1,238.64
    ALEXANDRIA       VA   22302          5            06/10/02         00
    1317593                              01           08/01/02          0
    1317593                              N            07/01/32
    0

    7959419          286/286             F           62,010.00         ZZ
                                         360         61,917.65          1
                                       7.500            433.59         90
                                       7.250            433.59
    PITTSBURGH       PA   15218          1            07/05/02         11
    1371515                              05           08/01/02         25
    1371515                              N            07/01/32
    0

    7959421          286/286             F           53,600.00         ZZ
                                         360         53,522.16          2
1

                                       7.625            379.38         80
                                       7.375            379.38
    ERIE             PA   16502          1            07/03/02         00
    1343423                              05           08/01/02          0
    1343423                              N            07/01/32
    0

    7959423          286/286             F          183,000.00         ZZ
                                         360        180,746.93          1
                                       8.000          1,342.79         78
                                       7.750          1,342.79
    PITTSBURGH       PA   15218          2            07/05/02         00
    1376797                              05           08/01/02          0
    1376797                              N            07/01/32
    0

    7959433          286/286             F           50,000.00         ZZ
                                         360         49,963.81          1
                                       7.625            353.90         48
                                       7.375            353.90
    CLEVELAND        OH   44111          5            07/01/02         00
    1311917                              05           09/01/02          0
    1311917                              N            08/01/32
    0

    7959435          286/286             F          127,900.00         ZZ
                                         360        127,797.72          1
                                       7.125            861.69         80
                                       6.875            861.69
    TUCSON           AZ   85718          1            07/11/02         00
    1411416                              03           09/01/02          0
    1411416                              N            08/01/32
    0

    7959437          286/286             F           68,400.00         ZZ
                                         360         68,303.13          1
                                       7.750            490.03         80
                                       7.500            490.03
    INDIANAPOLIS     IN   46239          1            07/02/02         00
    1316981                              05           08/01/02          0
    1316981                              N            07/01/32
    0

    7959439          286/286             F           68,000.00         ZZ
                                         360         67,948.26          1
                                       7.375            469.66         80
                                       7.125            469.66
    MANALAPAN        NJ   07726          1            07/18/02         00
    1281182                              01           09/01/02          0
1

    1281182                              N            08/01/32
    0

    7959441          286/286             F           58,300.00         ZZ
                                         360         58,215.33          1
                                       7.625            412.65         38
                                       7.375            412.65
    SAN JUAN CAPIST  CA   92675          2            06/26/02         00
    1274432                              01           08/01/02          0
    1274432                              N            07/01/32
    0

    7959445          286/286             F          144,000.00         ZZ
                                         360        143,785.59          1
                                       7.500          1,006.87         90
                                       7.250          1,006.87
    ELGIN            IL   60120          1            06/28/02         11
    1332959                              05           08/01/02         25
    1332959                              N            07/01/32
    0

    7959447          286/286             F           64,000.00         ZZ
                                         360         63,904.70          1
                                       7.500            447.50         48
                                       7.250            447.50
    MECHANICSBURG    PA   17055          1            06/28/02         00
    1349223                              03           08/01/02          0
    1349223                              N            07/01/32
    0

    7959449          286/286             F          125,600.00         ZZ
                                         360        125,097.61          1
                                       7.125            846.20         80
                                       6.875            846.20
    LEWISVILLE       TX   75077          1            06/13/02         00
    1321393                              05           08/01/02          0
    1321393                              N            07/01/32
    0

    7959451          286/286             F           85,000.00         ZZ
                                         360         84,866.98          1
                                       7.250            579.85         76
                                       7.000            579.85
    BRICK            NJ   08723          1            07/02/02         00
    1311871                              01           08/01/02          0
    1311871                              N            07/01/32
    0

1

    7959455          286/286             F           40,000.00         ZZ
                                         360         39,943.34          1
                                       7.750            286.57         80
                                       7.500            286.57
    MUNCIE           IN   47302          5            06/28/02         00
    1384887                              05           08/01/02          0
    1384887                              N            07/01/32
    0

    7959457          286/286             F          162,000.00         ZZ
                                         360        161,788.51          2
                                       7.875          1,174.62         90
                                       7.625          1,174.62
    ASBURY PARK      NJ   07712          1            07/12/02         12
    1281636                              05           09/01/02         25
    1281636                              N            08/01/32
    0

    7959467          286/286             F          156,924.00         ZZ
                                         360        156,690.35          1
                                       7.500          1,097.24         90
                                       7.250          1,097.24
    WELLINGTON       FL   33414          1            06/10/02         11
    1332581                              05           08/01/02         25
    1332581                              N            07/01/32
    0

    7959469          286/286             F          160,000.00         ZZ
                                         360        159,875.19          2
                                       7.250          1,091.48         60
                                       7.000          1,091.48
    RIDGEFIELD PARK  NJ   07660          5            07/10/02         00
    1355605                              05           09/01/02          0
    1355605                              N            08/01/32
    0

    7959475          286/286             F           47,700.00         ZZ
                                         360         47,550.50          1
                                       7.750            341.73         90
                                       7.500            341.73
    NORFOLK          VA   23505          1            06/17/02         11
    1335577                              05           08/01/02         25
    1335577                              N            07/01/32
    0

    7959479          286/286             F           68,000.00         ZZ
                                         360         67,896.20          1
                                       7.375            469.66         70
                                       7.125            469.66
1

    ALIQUIPPA        PA   15001          1            06/07/02         00
    1331173                              05           08/01/02          0
    1331173                              N            07/01/32
    0

    7959483          286/286             F           62,000.00         ZZ
                                         360         61,679.68          1
                                       7.625            438.84         60
                                       7.375            438.84
    DOVER            DE   19904          5            01/18/02         00
    550524                               05           03/01/02          0
    550524                               N            02/01/32
    0

    7959485          286/286             F          128,800.00         ZZ
                                         360        128,603.38          1
                                       7.375            889.59         80
                                       7.125            889.59
    MARIETTA         GA   30062          5            06/24/02         00
    1308370                              05           08/01/02          0
    1308370                              N            07/01/32
    0

    7959487          286/286             F           42,300.00         ZZ
                                         360         42,243.03          1
                                       8.000            310.39         90
                                       7.750            310.39
    INDIANAPOLIS     IN   46218          2            06/21/02         11
    1314454                              05           08/01/02         30
    1314454                              N            07/01/32
    0

    7959493          286/286             F           64,700.00         ZZ
                                         360         64,610.65          1
                                       7.875            469.12         90
                                       7.625            469.12
    ST PETERSBURG    FL   33710          1            06/14/02         11
    1344835                              05           08/01/02         25
    1344835                              N            07/01/32
    0

    7959499          286/286             F          132,300.00         ZZ
                                         360        132,103.00          1
                                       7.500            925.07         90
                                       7.250            925.07
    MT PROSPECT      IL   60056          1            06/11/02         12
    1308850                              01           08/01/02         25
    1308850                              N            07/01/32
    0
1

    7959501          286/286             F           85,600.00         ZZ
                                         360         85,337.03          3
                                       7.375            591.22         80
                                       7.125            591.22
    CRAFTON          PA   15205          1            04/05/02         00
    104139                               05           06/01/02          0
    104139                               N            05/01/32
    0

    7959503          286/286             F           79,200.00         ZZ
                                         360         79,072.94          1
                                       7.125            533.59         80
                                       6.875            533.59
    ARLINGTON        TX   76016          1            06/21/02         00
    1329522                              05           08/01/02          0
    1329522                              N            07/01/32
    0

    7959505          286/286             F           54,400.00         ZZ
                                         360         54,357.56          1
                                       7.250            371.11         80
                                       7.000            371.11
    WARREN           MI   48089          5            07/02/02         00
    1309418                              05           09/01/02          0
    1309418                              N            08/01/32
    0

    7959507          286/286             F          140,000.00         ZZ
                                         360        139,888.04          1
                                       7.125            943.21         72
                                       6.875            943.21
    GERMANTOWN       MD   20874          5            07/12/02         00
    1359943                              03           09/01/02          0
    1359943                              N            08/01/32
    0

    7959509          286/286             F          117,000.00         ZZ
                                         360        116,825.78          1
                                       7.500            818.09         90
                                       7.250            818.09
    MINNEAPOLIS      MN   55410          1            06/17/02         14
    1329284                              01           08/01/02         25
    1329284                              N            07/01/32
    0

    7959511          286/286             F          124,000.00         ZZ
                                         360        123,810.70          1
1

                                       7.375            856.44         80
                                       7.125            856.44
    MAREITTA         GA   30066          5            06/24/02         00
    1270716                              05           08/01/02          0
    1270716                              N            07/01/32
    0

    7959515          286/286             F           53,400.00         ZZ
                                         360         53,320.47          1
                                       7.500            373.39         69
                                       7.250            373.39
    NORMAL           IL   61761          2            06/11/02         00
    1302793                              05           08/01/02          0
    1302793                              N            07/01/32
    0

    7959521          286/286             F           34,200.00         ZZ
                                         360         34,164.93          1
                                       8.125            253.94         90
                                       7.875            253.94
    CRANDALL         IN   47114          1            07/03/02         11
    1336758                              05           09/01/02         25
    1336758                              N            08/01/32
    0

    7959525          286/286             F           24,240.00         ZZ
                                         360         24,206.53          1
                                       7.875            175.76         80
                                       7.625            175.76
    ANDERSON         IN   46012          1            07/01/02         00
    1360186                              05           08/01/02          0
    1360186                              N            07/01/32
    0

    7959529          286/286             F           85,000.00         ZZ
                                         360         84,935.33          1
                                       7.375            587.07         80
                                       7.125            587.07
    SPRING           TX   77388          1            07/02/02         00
    1373732                              03           09/01/02          0
    1373732                              N            08/01/32
    0

    7959531          286/286             F           54,700.00         ZZ
                                         360         54,618.54          1
                                       7.500            382.48         63
                                       7.250            382.48
    BEECH GROVE      IN   46107          2            06/26/02         00
    1359930                              05           08/01/02          0
1

    1359930                              N            07/01/32
    0

    7959533          286/286             F           80,800.00         ZZ
                                         360         80,679.69          3
                                       7.500            564.97         77
                                       7.250            564.97
    CANTON           OH   44708          1            06/13/02         00
    1310018                              05           08/01/02          0
    1310018                              N            07/01/32
    0

    7959535          286/286             F          160,000.00         ZZ
                                         360        159,878.25          1
                                       7.375          1,105.08         75
                                       7.125          1,105.08
    INDIANAPOLIS     IN   46236          2            07/12/02         00
    1359601                              05           09/01/02          0
    1359601                              N            08/01/32
    0

    7959541          286/286             F          102,500.00         ZZ
                                         360        102,270.38          4
                                       7.500            716.69         75
                                       7.250            716.69
    GRAND PRARIE     TX   75051          1            05/17/02         00
    1344747                              05           07/01/02          0
    1344747                              N            06/01/32
    0

    7959543          286/286             F           26,000.00         ZZ
                                         360         25,871.42          1
                                       8.250            195.33         52
                                       7.875            195.33
    ST ANNE          IL   60964          2            01/30/02         00
    900544                               05           03/01/02          0
    900544                               N            02/01/32
    0

    7959545          286/286             F           62,000.00         ZZ
                                         360         61,907.67          1
                                       7.500            433.52         73
                                       7.250            433.52
    GASTONIA         NC   28054          2            06/14/02         00
    1328122                              05           08/01/02          0
    1328122                              N            07/01/32
    0

1

    7959547          286/286             F           68,000.00         ZZ
                                         360         67,898.74          1
                                       7.500            475.47         80
                                       7.250            475.47
    GASTONIA         NC   28054          5            06/14/02         00
    1342166                              05           08/01/02          0
    1342166                              N            07/01/32
    0

    7959549          286/286             F           53,000.00         ZZ
                                         360         52,921.07          1
                                       7.500            370.59         64
                                       7.250            370.59
    GASTONIA         NC   28054          5            06/14/02         00
    1342175                              05           08/01/02          0
    1342175                              N            07/01/32
    0

    7959551          286/286             F           53,000.00         ZZ
                                         360         52,921.07          1
                                       7.500            370.59         71
                                       7.250            370.59
    GASTONIA         NC   28052          5            06/14/02         00
    1342181                              05           08/01/02          0
    1342181                              N            07/01/32
    0

    7959553          286/286             F           64,000.00         ZZ
                                         360         63,904.70          1
                                       7.500            447.50         80
                                       7.250            447.50
    GASTONIA         NC   28052          5            06/14/02         00
    1343747                              05           08/01/02          0
    1343747                              N            07/01/32
    0

    7959555          286/286             F           98,100.00         ZZ
                                         360         97,961.08          2
                                       7.750            702.80         90
                                       7.500            702.80
    VALRICO          FL   33594          1            06/27/02         11
    1344819                              05           08/01/02         25
    1344819                              N            07/01/32
    0

    7959559          286/286             F           49,600.00         ZZ
                                         360         49,526.13          1
                                       7.500            346.82         65
                                       7.250            346.82
1

    PORTSMOUTH       VA   23701          5            06/12/02         00
    1321650                              05           08/01/02          0
    1321650                              N            07/01/32
    0

    7959577          286/286             F           46,800.00         ZZ
                                         360         46,733.71          1
                                       7.750            335.29         90
                                       7.500            335.29
    WASHINGTON       DC   20020          1            06/11/02         11
    1304385                              01           08/01/02         25
    1304385                              N            07/01/32
    0

    7959579          286/286             F           41,250.00         ZZ
                                         360         41,188.57          1
                                       7.500            288.43         74
                                       7.250            288.43
    LOUISVILLE       KY   40204          5            06/19/02         00
    1353291                              05           08/01/02          0
    1353291                              N            07/01/32
    0

    7959583          286/286             F           63,000.00         ZZ
                                         360         62,857.99          2
                                       7.875            456.80         90
                                       7.625            456.80
    AKRON            OH   44307          1            06/21/02         21
    1309491                              05           08/01/02         25
    1309491                              N            07/01/32
    0

    7959587          286/286             F           50,000.00         ZZ
                                         360         49,772.11          2
                                       8.250            375.64         39
                                       7.875            375.64
    MESA             AZ   85205          2            01/17/02         00
    957086                               05           03/01/02          0
    957086                               N            02/01/32
    0

    7959591          286/286             F           54,000.00         ZZ
                                         360         53,963.76          1
                                       8.000            396.23         85
                                       7.750            396.23
    VAIL             AZ   85641          1            07/11/02         12
    1396146                              27           09/01/02         12
    1396146                              N            08/01/32
    0
1

    7959593          286/286             F           50,400.00         ZZ
                                         360         50,366.18          1
                                       8.000            369.82         90
                                       7.750            369.82
    LEAVENWORTH      KS   66048          1            07/11/02         11
    1396160                              05           09/01/02         25
    1396160                              N            08/01/32
    0

    7959597          286/286             F           52,650.00         ZZ
                                         360         52,614.67          1
                                       8.000            386.33         90
                                       7.750            386.33
    LEAVENWORTH      KS   66048          1            07/16/02         11
    1396164                              05           09/01/02         25
    1396164                              N            08/01/32
    0

    7959599          286/286             F           20,115.00         ZZ
                                         360         20,036.67          1
                                       8.250            151.12         90
                                       7.875            151.12
    FLINT            MI   48505          1            03/04/02         11
    1030523                              05           04/01/02         25
    1030523                              N            03/01/32
    0

    7959605          286/286             F          144,900.00         ZZ
                                         360        144,795.12          1
                                       7.625          1,025.60         90
                                       7.375          1,025.60
    EDISON           NJ   08820          1            07/09/02         12
    1028509                              01           09/01/02         25
    1028509                              N            08/01/32
    0

    7959607          286/286             F           50,000.00         ZZ
                                         360         49,962.89          1
                                       7.500            349.61         63
                                       7.250            349.61
    SCOTTVILLE       MI   49454          1            07/12/02         00
    1317431                              05           09/01/02          0
    1317431                              N            08/01/32
    0

    7959609          286/286             F           61,650.00         ZZ
                                         360         61,566.98          1
1

                                       8.000            452.37         73
                                       7.750            452.37
    PHILADEPHIA      PA   19129          2            06/24/02         00
    1302575                              05           08/01/02          0
    1302575                              N            07/01/32
    0

    7959615          286/286             F          112,000.00         ZZ
                                         360        111,845.33          1
                                       7.875            812.08         80
                                       7.625            812.08
    SAINT PAUL       MN   55107          5            06/14/02         00
    1319773                              05           08/01/02          0
    1319773                              N            07/01/32
    0

    7959623          286/286             F           63,200.00         ZZ
                                         360         63,098.60          1
                                       7.125            425.80         80
                                       6.875            425.80
    CANTON           OH   44703          2            06/28/02         00
    1331730                              05           08/01/02          0
    1331730                              N            07/01/32
    0

    7959629          286/286             F          108,000.00         ZZ
                                         360        107,826.75          1
                                       7.125            727.62         80
                                       6.875            727.62
    GILBERT          AZ   85233          1            06/25/02         00
    1359531                              05           08/01/02          0
    1359531                              N            07/01/32
    0

    7959631          286/286             F           93,500.00         ZZ
                                         360         93,307.26          1
                                       7.375            645.79         80
                                       7.125            645.79
    DAYTON           OH   45419          1            06/14/02         00
    1314367                              05           08/01/02          0
    1314367                              N            07/01/32
    0

    7959637          286/286             F           65,000.00         ZZ
                                         360         64,917.32          1
                                       7.125            437.92         79
                                       6.875            437.92
    TEMPERANCE       MI   48182          5            07/23/02         00
    1372574                              05           09/01/02          0
1

    1372574                              N            08/01/32
    0

    7959639          286/286             F           59,850.00         ZZ
                                         360         59,767.35          1
                                       7.875            433.96         90
                                       7.625            433.96
    TRENTON          NJ   08650          1            06/28/02         04
    1319952                              05           08/01/02         25
    1319952                              N            07/01/32
    0

    7959643          286/286             F           42,250.00         ZZ
                                         360         42,185.48          1
                                       7.375            291.82         71
                                       7.125            291.82
    FT WAYNE         IN   46803          5            06/07/02         00
    1294462                              05           08/01/02          0
    1294462                              N            07/01/32
    0

    7959647          286/286             F          221,500.00         ZZ
                                         360        220,991.24          1
                                       7.375          1,529.85         80
                                       7.125          1,529.85
    MORTON GROVE     IL   60053          1            05/23/02         00
    104775                               05           07/01/02          0
    104775                               N            06/01/32
    0

    7959649          286/286             F          104,000.00         ZZ
                                         360        102,846.62          3
                                       7.375            718.31         80
                                       7.125            718.31
    WAUSEON          OH   43567          5            06/29/01         00
    404833                               05           08/01/01          0
    404833                               N            07/01/31
    0

    7959651          286/286             F           46,900.00         ZZ
                                         360         46,867.72          2
                                       7.875            340.06         75
                                       7.625            340.06
    FORT WAYNE       IN   46808          5            07/05/02         00
    1388363                              05           09/01/02          0
    1388363                              N            08/01/32
    0

1

    7959653          286/286             F          216,000.00         ZZ
                                         360        215,678.38          2
                                       7.500          1,510.31         80
                                       7.250          1,510.31
    CHICAGO          IL   60639          5            06/21/02         00
    1373929                              05           08/01/02          0
    1373929                              N            07/01/32
    0

    7959655          286/286             F          250,000.00         ZZ
                                         360        249,809.77          2
                                       7.375          1,726.69         61
                                       7.125          1,726.69
    ANN ARBOR        MI   48104          5            07/11/02         00
    1332118                              05           09/01/02          0
    1332118                              N            08/01/32
    0

    7959659          286/286             F           40,400.00         ZZ
                                         360         40,141.13          1
                                       8.125            299.97         90
                                       7.875            299.97
    COVINGTON        KY   41011          1            07/02/02         11
    1079884                              05           08/01/02         25
    1079884                              N            07/01/32
    0

    7959661          286/286             F           74,400.00         ZZ
                                         360         74,289.21          1
                                       7.500            520.22         80
                                       7.250            520.22
    DELTONA          FL   32738          5            06/28/02         00
    1375690                              05           08/01/02          0
    1375690                              N            07/01/32
    0

    7959663          286/286             F          191,500.00         ZZ
                                         360        191,141.13          4
                                       7.375          1,322.65         75
                                       7.125          1,322.65
    CENTREVILLE      MD   21617          1            06/17/02         00
    1327283                              05           08/01/02          0
    1327283                              N            07/01/32
    0

    7959665          286/286             F           65,250.00         ZZ
                                         360         64,976.09          1
                                       7.875            473.11         90
                                       7.625            473.11
1

    FROSTBURG        MD   21532          1            02/15/02         12
    1003685                              05           04/01/02         25
    1003685                              N            03/01/32
    0

    7959667          286/286             F           51,750.00         ZZ
                                         360         51,532.75          1
                                       7.875            375.23         90
                                       7.625            375.23
    FROSTBURG        MD   21532          1            02/15/02         12
    1003695                              05           04/01/02         25
    1003695                              N            03/01/32
    0

    7959673          286/286             F          117,750.00         ZZ
                                         360        117,660.39          1
                                       7.375            813.28         75
                                       7.125            813.28
    INDIANAPOLIS     IN   46246          2            07/03/02         00
    1341123                              05           09/01/02          0
    1341123                              N            08/01/32
    0

    7959683          286/286             F          120,000.00         ZZ
                                         360        119,908.69          1
                                       7.375            828.81         67
                                       7.125            828.81
    LOUISVILLE       CO   80027          5            07/15/02         00
    1373593                              05           09/01/02          0
    1373593                              N            08/01/32
    0

    7959685          286/286             F           50,800.00         ZZ
                                         360         50,665.50          1
                                       7.500            355.21         80
                                       7.250            355.21
    MORAINE          OH   45439          1            06/17/02         00
    1330097                              05           08/01/02          0
    1330097                              N            07/01/32
    0

    7959689          286/286             F           59,500.00         ZZ
                                         360         59,406.59          1
                                       7.250            405.90         67
                                       7.000            405.90
    DELRAY BEACH     FL   33483          1            06/28/02         00
    1342565                              01           08/01/02          0
    1342565                              N            07/01/32
    0
1

    7959693          286/286             F          124,000.00         ZZ
                                         360        123,824.40          2
                                       7.750            888.35         80
                                       7.500            888.35
    TUCSON           AZ   85719          1            06/10/02         00
    1342551                              05           08/01/02          0
    1342551                              N            07/01/32
    0

    7959695          286/286             F           68,000.00         ZZ
                                         360         67,896.20          1
                                       7.375            469.66         70
                                       7.125            469.66
    WILLOW SPRINGS   IL   60480          5            06/25/02         00
    1334367                              01           08/01/02          0
    1334367                              N            07/01/32
    0

    7959703          286/286             F          132,150.00         ZZ
                                         360        131,897.85          1
                                       7.250            901.50         90
                                       7.000            901.50
    SCOTTSDALE       AZ   85259          1            06/27/02         11
    1343203                              01           08/01/02         25
    1343203                              N            07/01/32
    0

    7959707          286/286             F           54,800.00         ZZ
                                         360         54,716.35          1
                                       7.375            378.49         80
                                       7.125            378.49
    ACWORTH          GA   30101          1            06/14/02         00
    1315705                              05           08/01/02          0
    1315705                              N            07/01/32
    0

    7959709          286/286             F           75,600.00         ZZ
                                         360         75,487.43          2
                                       7.500            528.61         90
                                       7.250            528.61
    LITITZ           PA   17543          1            07/01/02         12
    1335576                              05           08/01/02         25
    1335576                              N            07/01/32
    0

    7959711          286/286             F           57,600.00         ZZ
                                         360         57,516.36          1
1

                                       7.625            407.69         80
                                       7.375            407.69
    THORNDALE        TX   76577          5            06/21/02         00
    1303713                              05           08/01/02          0
    1303713                              N            07/01/32
    0

    7959713          286/286             F           57,600.00         ZZ
                                         360         57,524.38          1
                                       8.125            427.68         78
                                       7.875            427.68
    NEWTON           KS   67114          2            06/28/02         00
    1342604                              05           08/01/02          0
    1342604                              N            07/01/32
    0

    7959715          286/286             F           72,000.00         ZZ
                                         360         71,824.56          1
                                       7.750            515.82         90
                                       7.500            515.82
    COLUMBUS         IN   47201          1            06/13/02         21
    1282172                              05           08/01/02         25
    1282172                              N            07/01/32
    0

    7959717          286/286             F           67,443.00         ZZ
                                         360         67,347.49          1
                                       7.750            483.17         71
                                       7.500            483.17
    ATLANTA          IN   46031          2            06/18/02         00
    1337588                              05           08/01/02          0
    1337588                              N            07/01/32
    0

    7959719          286/286             F           51,225.00         ZZ
                                         360         51,152.44          1
                                       7.750            366.99         78
                                       7.500            366.99
    SHERIDAN         IN   46069          2            06/18/02         00
    1337708                              05           08/01/02          0
    1337708                              N            07/01/32
    0

    7959723          286/286             F           31,500.00         ZZ
                                         360         31,475.47          1
                                       8.000            231.14         90
                                       7.750            231.14
    NORWALK          OH   44857          1            07/12/02         10
    1292458                              05           09/01/02         25
1

    1292458                              N            08/01/32
    0

    7959725          286/286             F          171,450.00         ZZ
                                         360        171,207.20          1
                                       7.750          1,228.29         90
                                       7.500          1,228.29
    ORLANDO          FL   32828          1            06/17/02         10
    1333805                              03           08/01/02         25
    1333805                              N            07/01/32
    0

    7959729          286/286             F           52,000.00         ZZ
                                         360         51,924.48          1
                                       7.625            368.06         70
                                       7.375            368.06
    INDIANAPOLIS     IN   46222          5            06/19/02         00
    1345063                              05           08/01/02          0
    1345063                              N            07/01/32
    0

    7959731          286/286             F           25,200.00         ZZ
                                         360         25,156.01          1
                                       7.875            182.72         90
                                       7.625            182.72
    FLINT            MI   48506          1            06/27/02         11
    1347825                              05           08/01/02         25
    1347825                              N            07/01/32
    0

    7959735          286/286             F           47,200.00         ZZ
                                         360         47,109.69          1
                                       7.125            318.00         80
                                       6.875            318.00
    BEECH GROVE      IN   46107          1            06/07/02         00
    1344863                              05           08/01/02          0
    1344863                              N            07/01/32
    0

    7959737          286/286             F          200,700.00         ZZ
                                         360        200,436.53          1
                                       8.125          1,490.20         90
                                       7.875          1,490.20
    BURLINGTON       MA   01803          1            06/12/02         11
    1342384                              05           08/01/02         25
    1342384                              N            07/01/32
    0

1

    7959739          286/286             F           54,600.00         ZZ
                                         360         54,524.60          1
                                       7.875            395.89         70
                                       7.625            395.89
    DETROIT          MI   48216          5            06/17/02         00
    1340120                              05           08/01/02          0
    1340120                              N            07/01/32
    0

    7959743          286/286             F          160,000.00         ZZ
                                         360        159,755.73          2
                                       7.375          1,105.09         67
                                       7.125          1,105.09
    CARTERET         NJ   07008          2            06/28/02         00
    596828                               05           08/01/02          0
    596828                               N            07/01/32
    0

    7959745          286/286             F          180,240.00         ZZ
                                         360        179,991.10          2
                                       7.875          1,306.87         80
                                       7.625          1,306.87
    MINNEAPOLIS      MN   55414          1            06/07/02         00
    1332200                              05           08/01/02          0
    1332200                              N            07/01/32
    0

    7959747          286/286             F           73,600.00         ZZ
                                         360         73,481.93          1
                                       7.125            495.86         80
                                       6.875            495.86
    COLUMBUS         OH   43235          1            06/27/02         00
    1354638                              05           08/01/02          0
    1354638                              N            07/01/32
    0

    7959749          286/286             F          110,200.00         ZZ
                                         360        110,035.91          1
                                       7.500            770.54         49
                                       7.250            770.54
    MCLEAN           VA   22102          2            06/19/02         00
    1318292                              06           08/01/02          0
    1318292                              N            07/01/32
    0

    7959751          286/286             F           37,400.00         ZZ
                                         360         37,341.46          1
                                       7.250            255.14         85
                                       7.000            255.14
1

    TOLEDO           OH   43608          5            06/12/02         12
    1306582                              05           08/01/02         12
    1306582                              N            07/01/32
    0

    7959759          286/286             F           84,000.00         ZZ
                                         360         83,874.93          1
                                       7.500            587.34         80
                                       7.250            587.34
    RINCON           GA   31326          2            06/10/02         00
    1337752                              05           08/01/02          0
    1337752                              N            07/01/32
    0

    7959761          286/286             F          287,900.00         ZZ
                                         360        287,460.53          1
                                       7.375          1,988.45         90
                                       7.125          1,988.45
    HOBOKEN          NJ   07030          1            06/26/02         14
    1326629                              01           08/01/02         25
    1326629                              N            07/01/32
    0

    7959765          286/286             F           36,000.00         ZZ
                                         360         35,949.02          1
                                       7.750            257.91         90
                                       7.500            257.91
    INDIANAPOLIS     IN   46224          1            07/02/02         12
    1385380                              03           08/01/02         25
    1385380                              N            07/01/32
    0

    7959767          286/286             F           58,500.00         ZZ
                                         360         58,457.66          1
                                       7.625            414.06         75
                                       7.375            414.06
    TOLEDO           OH   43612          5            07/19/02         00
    1338416                              05           09/01/02          0
    1338416                              N            08/01/32
    0

    7959769          286/286             F           40,500.00         ZZ
                                         360         40,444.06          2
                                       7.875            293.66         90
                                       7.625            293.66
    CAMDEN           NJ   08104          1            06/21/02         10
    1270105                              05           08/01/02         25
    1270105                              N            07/01/32
    0
1

    7959773          286/286             F           43,200.00         ZZ
                                         360         43,103.19          1
                                       7.500            302.07         80
                                       7.250            302.07
    BRUNSWICK        GA   31520          5            05/07/02         00
    1264337                              05           07/01/02          0
    1264337                              N            06/01/32
    0

    7959775          286/286             F           72,000.00         ZZ
                                         360         71,903.04          1
                                       8.000            528.32         80
                                       7.750            528.32
    CHESAPEAKE       VA   23322          1            06/26/02         00
    1321593                              05           08/01/02          0
    1321593                              N            07/01/32
    0

    7959777          286/286             F           26,100.00         ZZ
                                         360         26,025.62          1
                                       7.750            186.98         90
                                       7.500            186.98
    AMARILLO         TX   79106          1            05/10/02         21
    1333268                              05           07/01/02         25
    1333268                              N            06/01/32
    0

    7959779          286/286             F           45,000.00         ZZ
                                         360         44,969.02          1
                                       7.875            326.29         79
                                       7.625            326.29
    NEW CASTLE       IN   47362          2            07/18/02         00
    1356367                              05           09/01/02          0
    1356367                              N            08/01/32
    0

    7959781          286/286             F          188,000.00         ZZ
                                         360        187,733.76          2
                                       7.750          1,346.86         80
                                       7.500          1,346.86
    BRADLEY BEACH    NJ   07720          1            06/18/02         00
    1308134                              05           08/01/02          0
    1308134                              N            07/01/32
    0

    7959783          286/286             F           49,500.00         ZZ
                                         360         49,401.05          2
1

                                       8.000            363.22         90
                                       7.750            363.22
    INDIANAPOLIS     IN   46203          1            06/06/02         12
    1324655                              05           08/01/02         25
    1324655                              N            07/01/32
    0

    7959785          286/286             F          150,000.00         ZZ
                                         360        149,885.85          1
                                       7.375          1,036.02         61
                                       7.125          1,036.02
    HASLET           TX   76052          2            07/12/02         00
    1362774                              03           09/01/02          0
    1362774                              N            08/01/32
    0

    7959789          286/286             F           67,292.00         ZZ
                                         360         67,240.80          1
                                       7.375            464.77         90
                                       7.125            464.77
    CHARLOTTE        NC   28216          1            07/15/02         10
    1351240                              05           09/01/02         25
    1351240                              N            08/01/32
    0

    7959791          286/286             F          198,900.00         ZZ
                                         360        198,625.32          1
                                       7.875          1,442.17         90
                                       7.625          1,442.17
    LEES SUMMIT      MO   64082          2            07/02/02         11
    1063056                              05           08/01/02         25
    1063056                              N            07/01/32
    0

    7959793          286/286             F          185,400.00         ZZ
                                         360        185,123.94          1
                                       7.500          1,296.35         90
                                       7.250          1,296.35
    LEES SUMMIT      MO   64082          2            07/03/02         11
    1353989                              05           08/01/02         25
    1353989                              N            07/01/32
    0

    7959795          286/286             F          238,500.00         ZZ
                                         360        238,170.64          2
                                       7.875          1,729.30         90
                                       7.625          1,729.30
    CHICAGO          IL   60647          1            06/26/02         12
    1300809                              05           08/01/02         25
1

    1300809                              N            07/01/32
    0

    7959799          286/286             F          139,500.00         ZZ
                                         360        139,287.05          1
                                       7.375            963.49         87
                                       7.125            963.49
    PEORIA           AZ   85381          2            06/24/02         10
    1374441                              05           08/01/02         25
    1374441                              N            07/01/32
    0

    7959809          286/286             F           81,500.00         ZZ
                                         360         81,436.42          1
                                       7.250            555.98         86
                                       7.000            555.98
    FREDERICK        MD   21703          1            07/19/02         12
    893707                               03           09/01/02         25
    893707                               N            08/01/32
    0

    7959813          286/286             F          168,800.00         ZZ
                                         360        167,884.15          3
                                       7.375          1,165.86         80
                                       7.125          1,165.86
    EAST GREENWICH   RI   02818          2            01/11/02         00
    890562                               05           03/01/02          0
    890562                               N            02/01/32
    0

    7959817          286/286             F          200,000.00         ZZ
                                         360        199,840.06          2
                                       7.125          1,347.44         80
                                       6.875          1,347.44
    SALISBURY        MA   01952          1            07/10/02         00
    1099513                              05           09/01/02          0
    1099513                              N            08/01/32
    0

    7959819          286/286             F           47,610.00         ZZ
                                         360         47,529.05          2
                                       8.125            353.51         90
                                       7.875            353.51
    PHILADELPHIA     PA   19135          1            06/20/02         10
    1352205                              05           08/01/02         25
    1352205                              N            07/01/32
    0

1

    7959821          286/286             F          280,000.00         ZZ
                                         360        279,802.37          2
                                       7.750          2,005.96         66
                                       7.500          2,005.96
    CRANSTON         RI   02905          1            07/11/02         00
    1395226                              05           09/01/02          0
    1395226                              N            08/01/32
    0

    7959823          286/286             F          228,000.00         ZZ
                                         360        227,651.95          1
                                       7.375          1,574.74         80
                                       7.125          1,574.74
    BOZEMAN          MT   59715          1            06/20/02         00
    1318354                              05           08/01/02          0
    1318354                              N            07/01/32
    0

    7959825          286/286             F          273,500.00         ZZ
                                         360        273,131.74          2
                                       8.000          2,006.85         85
                                       7.750          2,006.85
    NEW ORLEANS      LA   70448          2            06/29/02         10
    1362088                              05           08/01/02         25
    1362088                              N            07/01/32
    0

    7959829          286/286             F           72,000.00         ZZ
                                         360         71,887.32          1
                                       7.250            491.17         80
                                       7.000            491.17
    BLUE RIDGE       TX   75424          2            06/26/02         00
    1332225                              27           08/01/02          0
    1332225                              N            07/01/32
    0

    7959831          286/286             F           45,000.00         ZZ
                                         360         44,929.58          1
                                       7.250            306.98         90
                                       7.000            306.98
    GLOUCESTER TOWN  NJ   08012          1            06/10/02         12
    1289129                              03           08/01/02         25
    1289129                              N            07/01/32
    0

    7959835          286/286             F          244,000.00         ZZ
                                         360        243,636.69          2
                                       7.500          1,706.09         55
                                       7.250          1,706.09
1

    SOMERVILLE       MA   02144          1            06/28/02         00
    1056758                              05           08/01/02          0
    1056758                              N            07/01/32
    0

    7959847          286/286             F           35,700.00         ZZ
                                         360         35,674.80          1
                                       7.750            255.76         84
                                       7.500            255.76
    PHILADELPHIA     PA   19124          2            07/18/02         12
    1393895                              05           09/01/02         12
    1393895                              N            08/01/32
    0

    7959849          286/286             F          393,000.00         ZZ
                                         360        392,668.99          3
                                       7.375          2,714.36         61
                                       7.125          2,714.36
    BRIGHTON         MA   02135          2            07/19/02         00
    1377938                              05           09/01/02          0
    1377938                              N            08/01/32
    0

    7959851          286/286             F           45,000.00         ZZ
                                         360         44,934.33          1
                                       8.125            334.13         90
                                       7.875            334.13
    CONKLIN          NY   13748          1            06/11/02         14
    1291506                              05           08/01/02         25
    1291506                              N            07/01/32
    0

    7959855          286/286             F          168,000.00         ZZ
                                         360        167,887.27          1
                                       8.000          1,232.73         80
                                       7.750          1,232.73
    EUGENE           OR   97403          1            07/01/02         00
    1388119                              05           09/01/02          0
    1388119                              N            08/01/32
    0

    7959859          286/286             F           40,600.00         ZZ
                                         360         40,489.38          1
                                       7.500            283.89         70
                                       7.250            283.89
    CAMDEN           NJ   08105          5            06/19/02         00
    1323778                              05           08/01/02          0
    1323778                              N            07/01/32
    0
1

    7959861          286/286             F           95,200.00         ZZ
                                         360         95,129.34          4
                                       7.500            665.66         70
                                       7.250            665.66
    OWENSBORO        KY   42301          5            07/17/02         00
    1325722                              05           09/01/02          0
    1325722                              N            08/01/32
    0

    7959863          286/286             F           95,200.00         ZZ
                                         360         95,129.34          4
                                       7.500            665.66         70
                                       7.250            665.66
    OWENSBORO        KY   42301          5            07/17/02         00
    1325774                              05           09/01/02          0
    1325774                              N            08/01/32
    0

    7959865          286/286             F           95,200.00         ZZ
                                         360         95,129.34          4
                                       7.500            665.66         70
                                       7.250            665.66
    OWENSBORO        KY   42301          5            07/17/02         00
    1325783                              05           09/01/02          0
    1325783                              N            08/01/32
    0

    7959867          286/286             F           95,200.00         ZZ
                                         360         95,129.34          4
                                       7.500            665.66         70
                                       7.250            665.66
    OWENSBORO        KY   42301          5            07/17/02         00
    1325880                              05           09/01/02          0
    1325880                              N            08/01/32
    0

    7959869          286/286             F          110,600.00         ZZ
                                         360        110,517.91          4
                                       7.500            773.34         70
                                       7.250            773.34
    OWENSBORO        KY   42301          5            07/15/02         00
    1327258                              05           09/01/02          0
    1327258                              N            08/01/32
    0

    7959871          286/286             F          110,600.00         ZZ
                                         360        110,517.91          4
1

                                       7.500            773.34         70
                                       7.250            773.34
    OWENSBORO        KY   42301          5            07/15/02         00
    1327269                              05           09/01/02          0
    1327269                              N            08/01/32
    0

    7959873          286/286             F          110,600.00         ZZ
                                         360        110,517.91          4
                                       7.500            773.34         70
                                       7.250            773.34
    OWENSBORO        KY   42301          5            07/15/02         00
    1327287                              05           09/01/02          0
    1327287                              N            08/01/32
    0

    7959875          286/286             F          110,600.00         ZZ
                                         360        110,517.91          4
                                       7.500            773.34         70
                                       7.250            773.34
    OWENSBORO        KY   42301          5            07/15/02         00
    1327304                              05           09/01/02          0
    1327304                              N            08/01/32
    0

    7959877          286/286             F          208,500.00         ZZ
                                         360        208,197.20          1
                                       7.625          1,475.76         75
                                       7.375          1,475.76
    ATLANTA          GA   30339          1            06/26/02         00
    1353038                              05           08/01/02          0
    1353038                              N            07/01/32
    0

    7959881          286/286             F          148,000.00         ZZ
                                         360        144,527.00          4
                                       7.750          1,060.30         80
                                       7.500          1,060.30
    DAYTON           OH   45405          1            05/08/02         00
    1097822                              05           07/01/02          0
    1097822                              N            06/01/32
    0

    7959883          286/286             F          194,809.00         ZZ
                                         360        194,526.10          2
                                       7.625          1,378.85         90
                                       7.375          1,378.85
    PLATTE CITY      MO   64079          1            06/28/02         11
    1372002                              05           08/01/02         25
1

    1372002                              N            07/01/32
    0

    7959885          286/286             F           90,000.00         ZZ
                                         360         89,931.51          1
                                       7.375            621.61         80
                                       7.125            621.61
    CARMEL           IN   46032          5            07/03/02         00
    1380610                              05           09/01/02          0
    1380610                              N            08/01/32
    0

    7959887          286/286             F          138,320.00         ZZ
                                         360        138,217.34          2
                                       7.500            967.16         80
                                       7.250            967.16
    ELIZABETH        NJ   07208          1            07/23/02         00
    1354749                              05           09/01/02          0
    1354749                              N            08/01/32
    0

    7959889          286/286             F          129,600.00         ZZ
                                         360        128,853.49          1
                                       7.125            873.14         80
                                       6.875            873.14
    TEMPE            AZ   85282          1            06/11/02         00
    1323469                              05           08/01/02          0
    1323469                              N            07/01/32
    0

    7959891          286/286             F          224,000.00         ZZ
                                         360        223,649.45          3
                                       7.250          1,528.08         80
                                       7.000          1,528.08
    LOWELL           MA   01854          1            07/01/02         00
    1086201                              05           08/01/02          0
    1086201                              N            07/01/32
    0

    7959893          286/286             F          159,320.00         ZZ
                                         360        133,923.13          1
                                       7.375          1,100.39         70
                                       7.125          1,100.39
    LONG BRANCH      NJ   07740          5            06/19/02         00
    1329330                              05           08/01/02          0
    1329330                              N            07/01/32
    0

1

    7959895          286/286             F           82,400.00         ZZ
                                         360         82,271.03          2
                                       7.250            562.12         80
                                       7.000            562.12
    HARRISON         ME   04040          1            06/10/02         00
    1311224                              05           08/01/02          0
    1311224                              N            07/01/32
    0

    7959897          286/286             F           45,000.00         ZZ
                                         360         44,929.58          1
                                       7.250            306.98         90
                                       7.000            306.98
    LEXINGTON        KY   40502          1            06/27/02         11
    1086364                              05           08/01/02         25
    1086364                              N            07/01/32
    0

    7959899          286/286             F          181,600.00         ZZ
                                         360        180,520.32          4
                                       7.375          1,254.27         80
                                       7.125          1,254.27
    BUCKLEY          WA   98321          1            06/03/02         00
    1310468                              05           08/01/02          0
    1310468                              N            07/01/32
    0

    7959901          286/286             F          181,600.00         ZZ
                                         360        180,527.10          2
                                       7.500          1,269.78         80
                                       7.250          1,269.78
    BUCKLEY          WA   98321          1            06/04/02         00
    1315607                              05           08/01/02          0
    1315607                              N            07/01/32
    0

    7959905          286/286             F          205,600.00         ZZ
                                         360        205,284.71          1
                                       7.500          1,437.59         80
                                       7.250          1,437.59
    WOODBRIDGE       VA   22192          5            06/20/02         00
    1331972                              03           08/01/02          0
    1331972                              N            07/01/32
    0

    7959907          286/286             F           63,900.00         ZZ
                                         360         63,760.34          1
                                       7.625            452.29         90
                                       7.375            452.29
1

    MURRIETA         CA   92563          1            05/20/02         14
    1298885                              01           07/01/02         25
    1298885                              N            06/01/32
    0

    7959909          286/286             F           80,250.00         ZZ
                                         360         80,124.41          1
                                       7.250            547.45         90
                                       7.000            547.45
    BLOOMINGTOM      IL   61701          1            06/28/02         10
    1349872                              05           08/01/02         25
    1349872                              N            07/01/32
    0

    7959911          286/286             F           54,900.00         ZZ
                                         360         54,824.17          1
                                       7.875            398.07         90
                                       7.625            398.07
    INDIANAPOLIS     IN   46201          1            07/03/02         21
    1380510                              05           08/01/02         25
    1380510                              N            07/01/32
    0

    7959913          286/286             F           33,600.00         ZZ
                                         360         33,576.87          1
                                       7.875            243.63         62
                                       7.625            243.63
    KOKOMO           IN   46901          5            07/12/02         00
    1385003                              05           09/01/02          0
    1385003                              N            08/01/32
    0

    7959915          286/286             F           31,500.00         ZZ
                                         360         31,478.32          1
                                       7.875            228.40         70
                                       7.625            228.40
    KOKOMO           IN   46901          5            07/12/02         00
    1385011                              05           09/01/02          0
    1385011                              N            08/01/32
    0

    7959919          286/286             F           40,500.00         ZZ
                                         360         40,442.64          1
                                       7.750            290.15         90
                                       7.500            290.15
    SHENANDOAH JUNC  WV   25442          1            06/17/02         10
    1358983                              05           08/01/02         25
    1358983                              N            07/01/32
    0
1

    7959923          286/286             F           98,400.00         ZZ
                                         360         98,326.97          1
                                       7.500            688.03         80
                                       7.250            688.03
    REYNOLDSBURG     OH   43068          1            07/16/02         00
    1393945                              05           09/01/02          0
    1393945                              N            08/01/32
    0

    7959925          286/286             F          106,400.00         ZZ
                                         360        106,241.59          1
                                       7.500            743.96         78
                                       7.250            743.96
    RICHMOND         VA   23229          1            07/03/02         00
    1299543                              05           08/01/02          0
    1299543                              N            07/01/32
    0

    7959929          286/286             F          252,500.00         ZZ
                                         360        252,124.04          4
                                       7.500          1,765.52         70
                                       7.250          1,765.52
    COLUMBUS         OH   43215          1            06/14/02         00
    1300731                              05           08/01/02          0
    1300731                              N            07/01/32
    0

    7959933          286/286             F          280,000.00         ZZ
                                         360        279,613.34          3
                                       7.875          2,030.20         66
                                       7.625          2,030.20
    YONKERS          NY   10703          5            06/28/02         00
    1373353                              05           08/01/02          0
    1373353                              N            07/01/32
    0

    7959937          286/286             F           70,650.00         ZZ
                                         360         70,600.13          1
                                       7.750            506.15         90
                                       7.500            506.15
    POUGHKEEPSIE     NY   12601          1            07/17/02         21
    1381821                              05           09/01/02         25
    1381821                              N            08/01/32
    0

    7959939          286/286             F          172,240.00         ZZ
                                         360        172,124.43          1
1

                                       8.000          1,263.84         90
                                       7.750          1,263.84
    NOVI             MI   48377          1            07/01/02         11
    816408                               05           09/01/02         25
    816408                               N            08/01/32
    0

    7959949          286/286             F           67,500.00         ZZ
                                         360         67,406.77          2
                                       7.875            489.43         90
                                       7.625            489.43
    PITTSBURGH       PA   15212          1            07/03/02         10
    1305968                              05           08/01/02         25
    1305968                              N            07/01/32
    0

    7959951          286/286             F           66,510.00         ZZ
                                         360         65,869.14          1
                                       7.500            465.05         90
                                       7.250            465.05
    NORFOLK          VA   23509          1            01/31/02         21
    972442                               05           03/01/02         25
    972442                               N            02/01/32
    0

    7959953          286/286             F          120,000.00         ZZ
                                         360        119,622.11          1
                                       7.250            818.62         80
                                       7.000            818.62
    TROY             OH   45373          5            04/08/02         00
    1021401                              05           06/01/02          0
    1021401                              N            05/01/32
    0

    7959957          286/286             F           27,600.00         ZZ
                                         360         27,561.17          1
                                       7.875            200.12         85
                                       7.625            200.12
    ALTON            IL   62002          5            06/21/02         11
    1321357                              05           08/01/02         12
    1321357                              N            07/01/32
    0

    7959965          286/286             F           29,250.00         ZZ
                                         360         29,071.02          1
                                       7.750            209.56         90
                                       7.500            209.56
    GRANBURY         TX   76049          1            06/12/02         04
    1352985                              03           08/01/02         25
1

    1352985                              N            07/01/32
    0

    7959967          286/286             F           73,600.00         ZZ
                                         360         73,484.81          1
                                       7.250            502.09         90
                                       7.000            502.09
    HOUSTON          TX   77064          1            06/28/02         11
    1381977                              03           08/01/02         25
    1381977                              N            07/01/32
    0

    7959969          286/286             F           82,800.00         ZZ
                                         360         82,736.99          1
                                       7.375            571.88         90
                                       7.125            571.88
    SPRING           TX   77373          1            07/17/02         10
    1384350                              03           09/01/02         30
    1384350                              N            08/01/32
    0

    7959972          E82/G02             F          221,000.00         ZZ
                                         360        219,821.37          4
                                       7.375          1,526.39         89
                                       7.125          1,526.39
    AUBURN           WA   98002          2            02/14/02         04
    0400577342                           05           04/01/02         25
    3927678                              N            03/01/32
    0

    7959973          286/286             F           30,150.00         ZZ
                                         360         30,128.72          1
                                       7.750            216.00         90
                                       7.500            216.00
    WICHITA          KS   67213          1            07/12/02         11
    1398167                              05           09/01/02         25
    1398167                              N            08/01/32
    0

    7959975          286/286             F          114,250.00         ZZ
                                         360        114,163.06          1
                                       7.375            789.10         90
                                       7.125            789.10
    GRAND JUNCTION   CO   81504          2            07/08/02         12
    1359878                              05           09/01/02         25
    1359878                              N            08/01/32
    0

1

    7959985          286/286             F          174,400.00         ZZ
                                         360        174,260.53          1
                                       7.125          1,174.97         80
                                       6.875          1,174.97
    CANONSBURG       PA   15317          5            07/18/02         00
    1326769                              05           09/01/02          0
    1326769                              N            08/01/32
    0

    7959993          286/286             F           47,250.00         ZZ
                                         360         47,216.65          1
                                       7.750            338.51         89
                                       7.500            338.51
    VIRGINIA BEACH   VA   23462          1            07/10/02         10
    1296434                              05           09/01/02         25
    1296434                              N            08/01/32
    0

    7959997          286/286             F          119,250.00         ZZ
                                         360        119,081.11          1
                                       7.750            854.33         90
                                       7.500            854.33
    PANAMA CITY BCH  FL   32408          1            06/14/02         10
    1345665                              01           08/01/02         25
    1345665                              N            07/01/32
    0

    7960001          286/286             F           89,000.00         ZZ
                                         360         88,860.72          1
                                       7.250            607.14         90
                                       7.000            607.14
    CORDOVA          TN   38018          1            06/11/02         10
    1344066                              05           08/01/02         25
    1344066                              N            07/01/32
    0

    7960013          286/286             F           31,300.00         ZZ
                                         360         31,275.57          1
                                       7.250            213.53         90
                                       7.000            213.53
    HAVANA           FL   32333          1            07/02/02         14
    1382941                              27           09/01/02         25
    1382941                              N            08/01/32
    0

    7960015          286/286             F           61,600.00         ZZ
                                         360         61,501.17          1
                                       7.125            415.02         80
                                       6.875            415.02
1

    SUMMERVILLE      SC   29483          5            06/27/02         00
    1320671                              05           08/01/02          0
    1320671                              N            07/01/32
    0

    7960019          286/286             F          153,000.00         ZZ
                                         360        152,718.37          2
                                       7.500          1,069.80         90
                                       7.250          1,069.80
    WESTERLY         RI   02891          1            06/11/02         12
    1303198                              05           08/01/02         25
    1303198                              N            07/01/32
    0

    7960027          286/286             F           35,000.00         ZZ
                                         360         34,952.87          1
                                       8.000            256.82         75
                                       7.750            256.82
    KANSAS CITY      KS   66104          5            06/14/02         00
    1322918                              05           08/01/02          0
    1322918                              N            07/01/32
    0

    7960031          286/286             F          175,500.00         ZZ
                                         360        155,768.66          1
                                       8.000          1,287.76         90
                                       7.750          1,287.76
    HATTERAS         NC   27943          1            05/31/02         14
    1318399                              03           07/01/02         25
    1318399                              N            06/01/32
    0

    7960035          286/286             F           61,750.00         ZZ
                                         360         61,625.66          1
                                       7.375            426.50         80
                                       7.125            426.50
    EMINENCE         KY   40019          2            06/24/02         00
    1337502                              05           08/01/02          0
    1337502                              N            07/01/32
    0

    7960037          286/286             F           64,800.00         ZZ
                                         360         64,661.89          2
                                       7.750            464.24         90
                                       7.500            464.24
    DANIA            FL   33004          1            05/10/02         10
    1293470                              05           07/01/02         25
    1293470                              N            06/01/32
    0
1

    7960039          286/286             F          114,300.00         ZZ
                                         360        113,946.88          1
                                       7.375            789.44         90
                                       7.125            789.44
    MOGADORE         OH   44260          1            06/26/02         21
    1377279                              05           08/01/02         25
    1377279                              N            07/01/32
    0

    7960041          286/286             F          208,000.00         ZZ
                                         360        207,674.50          1
                                       7.250          1,418.93         60
                                       7.000          1,418.93
    HUNTINGTON BEAC  CA   92647          5            06/21/02         00
    1347437                              05           08/01/02          0
    1347437                              N            07/01/32
    0

    7960045          286/286             F          143,900.00         ZZ
                                         360        143,591.34          1
                                       7.125            969.49         80
                                       6.875            969.49
    GRAEAGLE         CA   96103          1            06/20/02         00
    803300                               03           08/01/02          0
    803300                               N            07/01/32
    0

    7960057          286/286             F          223,150.00         ZZ
                                         360        222,809.36          1
                                       7.375          1,541.24         90
                                       7.125          1,541.24
    VACAVILLE        CA   95688          1            06/07/02         10
    814752                               03           08/01/02         25
    814752                               N            07/01/32
    0

    7960061          286/286             F           49,300.00         ZZ
                                         360         49,264.31          1
                                       7.625            348.95         56
                                       7.375            348.95
    ROANN            IN   46974          5            07/10/02         00
    1383139                              05           09/01/02          0
    1383139                              N            08/01/32
    0

    7960063          286/286             F           58,500.00         ZZ
                                         360         58,419.21          1
1

                                       7.875            424.17         90
                                       7.625            424.17
    EAST POINT       GA   30344          1            06/18/02         10
    1354969                              05           08/01/02         25
    1354969                              N            07/01/32
    0

    7960069          286/286             F          150,800.00         ZZ
                                         360        150,204.66          3
                                       7.250          1,028.72         80
                                       7.000          1,028.72
    LOWELL           MA   01852          1            03/15/02         00
    744873                               05           05/01/02          0
    744873                               N            04/01/32
    0

    7960077          286/286             F          224,000.00         ZZ
                                         360        223,682.80          1
                                       7.750          1,604.76         80
                                       7.500          1,604.76
    FAIRFAX          VA   22030          5            06/24/02         00
    813122                               05           08/01/02          0
    813122                               N            07/01/32
    0

    7960081          286/286             F          192,100.00         ZZ
                                         360        191,946.38          1
                                       7.125          1,294.21         76
                                       6.875          1,294.21
    CITRUS HEIGHTS   CA   95610          2            07/02/02         00
    800832                               03           09/01/02          0
    800832                               N            08/01/32
    0

    7960085          286/286             F          300,000.00         ZZ
                                         360        299,476.97          1
                                       7.875          2,175.21         80
                                       7.625          2,175.21
    TRACY            CA   95376          5            06/17/02         00
    812153                               05           08/01/02          0
    812153                               N            07/01/32
    0

    7960087          286/286             F           22,500.00         ZZ
                                         360         22,468.91          1
                                       7.875            163.15         90
                                       7.625            163.15
    INDIANAPOLIS     IN   46442          1            06/26/02         10
    1341571                              05           08/01/02         25
1

    1341571                              N            07/01/32
    0

    7960091          286/286             F           67,500.00         ZZ
                                         360         67,406.77          1
                                       7.875            489.43         90
                                       7.625            489.43
    INDIANAPOLIS     IN   46217          1            06/27/02         10
    1353431                              05           08/01/02         30
    1353431                              N            07/01/32
    0

    7960093          286/286             F           66,600.00         ZZ
                                         360         66,508.02          1
                                       7.875            482.90         90
                                       7.625            482.90
    INDIANAPOLIS     IN   46222          1            06/27/02         10
    1353434                              05           08/01/02         25
    1353434                              N            07/01/32
    0

    7960097          286/286             F           50,750.00         ZZ
                                         360         50,674.54          1
                                       7.625            359.21         80
                                       7.375            359.21
    ANDERSON         IN   46016          1            06/18/02         00
    1351173                              05           08/01/02          0
    1351173                              N            07/01/32
    0

    7960099          286/286             F          109,200.00         ZZ
                                         360        109,037.41          1
                                       7.500            763.54         80
                                       7.250            763.54
    SPARKS           NV   89434          1            06/11/02         00
    761851                               05           08/01/02          0
    761851                               N            07/01/32
    0

    7960101          286/286             F           48,950.00         ZZ
                                         360         48,884.08          1
                                       8.000            359.18         89
                                       7.750            359.18
    MUNCIE           IN   47302          2            06/14/02         01
    1331208                              05           08/01/02         30
    1331208                              N            07/01/32
    0

1

    7960103          286/286             F           51,500.00         ZZ
                                         360         51,430.65          2
                                       8.000            377.89         86
                                       7.750            377.89
    MUNCIE           IN   47302          2            06/14/02         12
    1331215                              05           08/01/02         25
    1331215                              N            07/01/32
    0

    7960105          286/286             F           49,000.00         ZZ
                                         360         48,934.02          2
                                       8.000            359.55         70
                                       7.750            359.55
    MUNCIE           IN   47302          2            06/14/02         00
    1331245                              05           08/01/02          0
    1331245                              N            07/01/32
    0

    7960107          286/286             F          300,000.00         ZZ
                                         360        299,760.09          1
                                       7.125          2,021.16         75
                                       6.875          2,021.16
    SANTA CRUZ       CA   95060          1            07/01/02         00
    804035                               05           09/01/02          0
    804035                               N            08/01/32
    0

    7960109          286/286             F           31,500.00         ZZ
                                         360         31,454.25          1
                                       7.625            222.96         75
                                       7.375            222.96
    FORT WAYNE       IN   46806          5            07/02/02         00
    1378900                              05           08/01/02          0
    1378900                              N            07/01/32
    0

    7960111          286/286             F           36,000.00         ZZ
                                         360         35,946.39          1
                                       7.500            251.72         75
                                       7.250            251.72
    FORT WAYNE       IN   46806          5            07/01/02         00
    1378914                              05           08/01/02          0
    1378914                              N            07/01/32
    0

    7960113          286/286             F           43,500.00         ZZ
                                         360         43,435.23          1
                                       7.500            304.16         75
                                       7.250            304.16
1

    FORT WAYNE       IN   46802          5            07/01/02         00
    1378929                              05           08/01/02          0
    1378929                              N            07/01/32
    0

    7960115          286/286             F           33,750.00         ZZ
                                         360         33,700.97          1
                                       7.625            238.89         75
                                       7.375            238.89
    FORT WAYNE       IN   46806          5            07/02/02         00
    1378947                              05           08/01/02          0
    1378947                              N            07/01/32
    0

    7960117          286/286             F           35,250.00         ZZ
                                         360         35,197.50          1
                                       7.500            246.48         75
                                       7.250            246.48
    FORT WAYNE       IN   46806          5            07/02/02         00
    1378959                              05           08/01/02          0
    1378959                              N            07/01/32
    0

    7960119          286/286             F           45,000.00         ZZ
                                         360         44,932.99          1
                                       7.500            314.65         75
                                       7.250            314.65
    FORT WAYNE       IN   46807          5            07/01/02         00
    1378962                              05           08/01/02          0
    1378962                              N            07/01/32
    0

    7960121          286/286             F           39,750.00         ZZ
                                         360         39,692.28          1
                                       7.625            281.35         75
                                       7.375            281.35
    FORT WAYNE       IN   46806          5            07/01/02         00
    1378971                              05           08/01/02          0
    1378971                              N            07/01/32
    0

    7960123          286/286             F           33,750.00         ZZ
                                         360         33,700.97          1
                                       7.625            238.89         75
                                       7.375            238.89
    FORT WAYNE       IN   46805          5            07/01/02         00
    1378981                              05           08/01/02          0
    1378981                              N            07/01/32
    0
1

    7960125          286/286             F           43,500.00         ZZ
                                         360         43,435.23          1
                                       7.500            304.16         75
                                       7.250            304.16
    FORT WAYNE       IN   46806          5            07/01/02         00
    1378986                              05           08/01/02          0
    1378986                              N            07/01/32
    0

    7960127          286/286             F          148,450.00         ZZ
                                         360        148,339.83          1
                                       7.500          1,037.98         90
                                       7.250          1,037.98
    STOCKTON         CA   95204          1            06/27/02         21
    811465                               05           09/01/02         25
    811465                               N            08/01/32
    0

    7960129          286/286             F           64,000.00         ZZ
                                         360         63,907.06          1
                                       7.625            452.99         80
                                       7.375            452.99
    ALBUQUERQUE      NM   87107          5            06/24/02         00
    1311404                              05           08/01/02          0
    1311404                              N            07/01/32
    0

    7960131          286/286             F           21,600.00         ZZ
                                         360         21,570.16          1
                                       7.875            156.62         80
                                       7.625            156.62
    GARY             IN   46408          1            06/14/02         00
    797892                               05           08/01/02          0
    797892                               N            07/01/32
    0

    7960137          286/286             F           48,500.00         ZZ
                                         360         48,427.79          1
                                       7.500            339.12         89
                                       7.250            339.12
    HAMPTON          VA   23669          2            06/28/02         11
    1378810                              05           08/01/02         25
    1378810                              N            07/01/32
    0

    7960139          286/286             F          201,600.00         ZZ
                                         360        201,442.73          1
1

                                       7.250          1,375.27         80
                                       7.000          1,375.27
    CATHEDRAL CITY   CA   92234          1            07/01/02         00
    794616                               05           09/01/02          0
    794616                               N            08/01/32
    0

    7960149          286/286             F          200,000.00         ZZ
                                         360        199,840.06          1
                                       7.125          1,347.44         56
                                       6.875          1,347.44
    SAN DIEGO        CA   92107          1            07/08/02         00
    804854                               03           09/01/02          0
    804854                               N            08/01/32
    0

    7960151          286/286             F          125,500.00         ZZ
                                         360        125,308.42          1
                                       7.375            866.80         78
                                       7.125            866.80
    CARSON CITY      NV   89706          1            06/03/02         00
    799227                               05           08/01/02          0
    799227                               N            07/01/32
    0

    7960153          286/286             F          132,500.00         ZZ
                                         360        132,297.74          1
                                       7.375            915.14         79
                                       7.125            915.14
    CARSON CITY      NV   89706          1            06/06/02         00
    799228                               05           08/01/02          0
    799228                               N            07/01/32
    0

    7960155          286/286             F           40,000.00         ZZ
                                         360         39,916.87          1
                                       7.875            290.03         62
                                       7.625            290.03
    MANTI            UT   84642          5            05/30/02         00
    799152                               05           07/01/02          0
    799152                               N            06/01/32
    0

    7960157          286/286             F           49,100.00         ZZ
                                         360         48,969.80          1
                                       8.125            364.57         90
                                       7.875            364.57
    MARIETTA         GA   30060          1            04/29/02         10
    754781                               05           06/01/02         30
1

    754781                               N            05/01/32
    0

    7960163          286/286             F          252,500.00         ZZ
                                         360        252,307.87          1
                                       7.375          1,743.95         90
                                       7.125          1,743.95
    SACRAMENTO       CA   95819          1            07/08/02         12
    813825                               05           09/01/02         25
    813825                               N            08/01/32
    0

    7960167          286/286             F           85,500.00         ZZ
                                         360         85,362.85          1
                                       7.125            576.03         90
                                       6.875            576.03
    SUN CITY         CA   92586          1            06/21/02         04
    802936                               05           08/01/02         25
    802936                               N            07/01/32
    0

    7960169          286/286             F           32,200.00         ZZ
                                         360         32,154.39          1
                                       7.750            230.69         56
                                       7.500            230.69
    SHELBY           NC   28150          2            06/28/02         00
    1333825                              05           08/01/02          0
    1333825                              N            07/01/32
    0

    7960171          286/286             F           36,200.00         ZZ
                                         360         36,146.09          1
                                       7.500            253.12         65
                                       7.250            253.12
    SHELBY           NC   28150          2            06/28/02         00
    1341465                              05           08/01/02          0
    1341465                              N            07/01/32
    0

    7960173          286/286             F           29,100.00         ZZ
                                         360         29,058.78          1
                                       7.750            208.48         56
                                       7.500            208.48
    SHELBY           NC   28150          2            06/28/02         00
    1341482                              05           08/01/02          0
    1341482                              N            07/01/32
    0

1

    7960175          286/286             F           35,350.00         ZZ
                                         360         35,299.92          1
                                       7.750            253.26         64
                                       7.500            253.26
    SHELBY           NC   28150          2            06/28/02         00
    1341496                              05           08/01/02          0
    1341496                              N            07/01/32
    0

    7960177          286/286             F          176,000.00         ZZ
                                         360        175,744.41          1
                                       7.625          1,245.72         80
                                       7.375          1,245.72
    SILVER SPRING    MD   20902          1            06/24/02         00
    812462                               03           08/01/02          0
    812462                               N            07/01/32
    0

    7960185          286/286             F          147,000.00         ZZ
                                         360        146,769.96          1
                                       7.250          1,002.80         70
                                       7.000          1,002.80
    BETHEL ISLAND    CA   94511          5            06/19/02         00
    795477                               05           08/01/02          0
    795477                               N            07/01/32
    0

    7960193          286/286             F           54,500.00         ZZ
                                         360         54,461.54          1
                                       7.750            390.44         65
                                       7.500            390.44
    HEDGESVILLE      WV   25427          2            07/08/02         00
    812257                               05           09/01/02          0
    812257                               N            08/01/32
    0

    7960199          286/286             F           76,000.00         ZZ
                                         360         75,846.70          1
                                       7.500            531.41         80
                                       7.250            531.41
    HOUSTON          TX   77056          1            06/27/02         00
    1331818                              01           08/01/02          0
    1331818                              N            07/01/32
    0

    7960201          286/286             F          280,000.00         ZZ
                                         360        279,572.57          1
                                       7.375          1,933.89         72
                                       7.125          1,933.89
1

    SAN JOSE         CA   95111          5            06/12/02         00
    747720                               03           08/01/02          0
    747720                               N            07/01/32
    0

    7960203          286/286             F          280,000.00         ZZ
                                         360        279,572.57          1
                                       7.375          1,933.89         72
                                       7.125          1,933.89
    SAN JOSE         CA   95111          5            06/12/02         00
    749200                               03           08/01/02          0
    749200                               N            07/01/32
    0

    7960207          286/286             F          135,500.00         ZZ
                                         360        135,391.64          1
                                       7.125            912.89         76
                                       6.875            912.89
    BONSALL          CA   92003          2            07/08/02         00
    802859                               01           09/01/02          0
    802859                               N            08/01/32
    0

    7960209          286/286             F          155,000.00         ZZ
                                         360        154,879.09          1
                                       7.250          1,057.37         78
                                       7.000          1,057.37
    WEISER           ID   83672          5            07/11/02         00
    810540                               05           09/01/02          0
    810540                               N            08/01/32
    0

    7960211          286/286             F          116,000.00         ZZ
                                         360        115,911.74          1
                                       7.375            801.18         80
                                       7.125            801.18
    SCOTTSDALE       AZ   85257          1            07/11/02         00
    807429                               05           09/01/02          0
    807429                               N            08/01/32
    0

    7960213          286/286             F           43,110.00         ZZ
                                         360         43,050.46          1
                                       7.875            312.58         90
                                       7.625            312.58
    TRENTON          NJ   08611          1            07/01/02         14
    1324096                              05           08/01/02         30
    1324096                              N            07/01/32
    0
1

    7960215          286/286             F           40,050.00         ZZ
                                         360         39,892.60          1
                                       7.875            290.40         90
                                       7.625            290.40
    TRENTON          NJ   08611          1            07/01/02         21
    1324098                              05           08/01/02         30
    1324098                              N            07/01/32
    0

    7960217          286/286             F           43,200.00         ZZ
                                         360         43,092.83          1
                                       7.875            313.23         90
                                       7.625            313.23
    TRENTON          NJ   08611          1            07/01/02         14
    1324099                              05           08/01/02         30
    1324099                              N            07/01/32
    0

    7960219          286/286             F           39,150.00         ZZ
                                         360         39,051.37          1
                                       7.875            283.87         90
                                       7.625            283.87
    TRENTON          NJ   08611          1            07/01/02         21
    1324101                              05           08/01/02         30
    1324101                              N            07/01/32
    0

    7960223          286/286             F          225,000.00         ZZ
                                         360        224,564.39          1
                                       7.375          1,554.02         75
                                       7.125          1,554.02
    SAN PABLO        CA   94806          2            06/11/02         00
    792573                               05           08/01/02          0
    792573                               N            07/01/32
    0

    7960225          286/286             F          174,000.00         ZZ
                                         360        173,759.73          1
                                       7.875          1,261.62         85
                                       7.625          1,261.62
    OAKLAND          CA   94621          5            06/25/02         10
    796079                               05           08/01/02         12
    796079                               N            07/01/32
    0

    7960231          286/286             F           59,200.00         ZZ
                                         360         59,158.21          1
1

                                       7.750            424.12         80
                                       7.500            424.12
    WILMER           AL   36587          1            07/10/02         00
    1336791                              27           09/01/02          0
    1336791                              N            08/01/32
    0

    7960233          286/286             F           55,400.00         ZZ
                                         360         55,321.53          1
                                       7.750            396.90         88
                                       7.500            396.90
    MUNCIE           IN   47302          2            06/26/02         10
    1355173                              05           08/01/02         25
    1355173                              N            07/01/32
    0

    7960235          286/286             F           43,200.00         ZZ
                                         360         43,132.38          1
                                       7.250            294.71         90
                                       7.000            294.71
    DANVILLE         KY   40422          1            06/25/02         10
    1352799                              05           08/01/02         25
    1352799                              N            07/01/32
    0

    7960237          286/286             F           61,020.00         ZZ
                                         360         60,924.49          1
                                       7.250            416.27         90
                                       7.000            416.27
    DANVILLE         KY   40422          1            07/02/02         10
    1371496                              05           08/01/02         25
    1371496                              N            07/01/32
    0

    7960241          286/286             F          224,950.00         ZZ
                                         360        224,783.06          2
                                       7.500          1,572.88         90
                                       7.250          1,572.88
    CITRUS HEIGHTS   CA   95610          1            07/05/02         14
    807800                               05           09/01/02         25
    807800                               N            08/01/32
    0

    7960243          286/286             F          285,000.00         ZZ
                                         360        284,542.82          1
                                       7.125          1,920.10         32
                                       6.875          1,920.10
    DEL MAR          CA   92014          5            06/17/02         00
    794345                               05           08/01/02          0
1

    794345                               N            07/01/32
    0

    7960247          286/286             F           35,000.00         ZZ
                                         360         34,975.29          1
                                       7.750            250.75         90
                                       7.500            250.75
    WABASH           IN   46992          1            07/11/02         11
    1376723                              05           09/01/02         25
    1376723                              N            08/01/32
    0

    7960249          286/286             F           59,550.00         ZZ
                                         360         59,461.32          1
                                       7.500            416.39         90
                                       7.250            416.39
    HALTOM CITY      TX   76117          1            06/28/02         11
    1354681                              05           08/01/02         25
    1354681                              N            07/01/32
    0

    7960253          286/286             F           66,725.00         ZZ
                                         360         66,630.50          1
                                       7.750            478.03         85
                                       7.500            478.03
    RICHLAND HILLS   TX   76118          5            06/21/02         11
    1294573                              05           07/01/02         25
    1294573                              N            06/01/32
    0

    7960257          286/286             F           60,000.00         ZZ
                                         360         59,917.15          1
                                       7.875            435.04         80
                                       7.625            435.04
    GORDONSVILLE     VA   22942          1            06/21/02         00
    814721                               05           08/01/02          0
    814721                               N            07/01/32
    0

    7960261          286/286             F           44,100.00         ZZ
                                         360         44,039.10          1
                                       7.875            319.76         90
                                       7.625            319.76
    HAMMOND          LA   70401          1            06/28/02         10
    1383210                              05           08/01/02         25
    1383210                              N            07/01/32
    0

1

    7960265          286/286             F           60,000.00         ZZ
                                         360         59,908.40          1
                                       7.375            414.41         75
                                       7.125            414.41
    MOSES LAKE       WA   98837          5            06/18/02         00
    814161                               05           08/01/02          0
    814161                               N            07/01/32
    0

    7960269          286/286             F          229,500.00         ZZ
                                         360        229,149.67          1
                                       7.375          1,585.10         90
                                       7.125          1,585.10
    EL DORADO HILLS  CA   95843          1            06/05/02         10
    813604                               05           08/01/02         25
    813604                               N            07/01/32
    0

    7960271          286/286             F           66,300.00         ZZ
                                         360         66,149.55          1
                                       7.375            457.92         68
                                       7.125            457.92
    GLENDALE         AZ   85302          2            07/03/02         00
    800376                               03           09/01/02          0
    800376                               N            08/01/32
    0

    7960747          E22/G02             F          117,800.00         ZZ
                                         360        117,800.00          1
                                       7.625            833.78         92
                                       7.375            833.78
    BRANDON          MS   39042          5            08/13/02         01
    0414561563                           05           10/01/02         25
    0414561563                           O            09/01/32
    0

    7960761          E22/G02             F          151,920.00         ZZ
                                         360        151,920.00          1
                                       6.875            998.01         80
                                       6.625            998.01
    OLYMPIA          WA   98502          1            08/09/02         00
    0414568964                           05           10/01/02          0
    0414568964                           O            09/01/32
    0

    7960771          E22/G02             F          129,600.00         ZZ
                                         240        129,600.00          1
                                       7.250          1,024.33         80
                                       7.000          1,024.33
1

    PLANO            TX   75075          5            08/14/02         00
    0414572263                           05           10/01/02          0
    0414572263                           O            09/01/22
    0

    7960779          E22/G02             F          256,020.00         ZZ
                                         360        256,020.00          1
                                       6.750          1,660.54         85
                                       6.500          1,660.54
    VILLA RICA       GA   30180          5            08/14/02         10
    0414573683                           05           10/01/02         12
    0414573683                           O            09/01/32
    0

    7960875          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       7.125            673.72         80
                                       6.875            673.72
    IRVING           TX   75061          5            08/13/02         00
    0414619932                           05           10/01/02          0
    0414619932                           O            09/01/32
    0

    7960887          E22/G02             F           81,700.00         ZZ
                                         360         81,700.00          1
                                       6.750            529.90         70
                                       6.500            529.90
    POMPANO BEACH    FL   33069          5            08/14/02         00
    0414631812                           08           10/01/02          0
    0414631812                           O            09/01/32
    0

    7960889          E22/G02             F           66,000.00         ZZ
                                         240         66,000.00          1
                                       6.500            492.08         83
                                       6.250            492.08
    SPRINGFIELD      CO   81073          2            08/04/02         04
    0414632976                           27           10/01/02         12
    0414632976                           O            09/01/22
    0

    7961593          E82/G02             F          119,200.00         ZZ
                                         360        119,200.00          1
                                       7.375            823.28         80
                                       7.125            823.28
    SPANISH FORK     UT   84660          2            08/19/02         00
    0400656021                           05           10/01/02          0
    1985386                              N            09/01/32
    0
1

    7961607          E82/G02             F          383,100.00         ZZ
                                         360        383,100.00          1
                                       7.250          2,613.42         80
                                       7.000          2,613.42
    CLAREMONT        CA   91711          2            08/13/02         00
    0400664470                           05           10/01/02          0
    4069271                              O            09/01/32
    0

    7961613          E82/G02             F          168,400.00         ZZ
                                         360        168,400.00          4
                                       7.750          1,206.44         74
                                       7.500          1,206.44
    RICHTON PARK     IL   60471          2            08/20/02         00
    0400669891                           05           10/01/02          0
    1735581                              N            09/01/32
    0

    7961663          E82/G02             F          259,500.00         ZZ
                                         360        259,500.00          1
                                       7.375          1,792.30         48
                                       7.125          1,792.30
    RICHMOND         CA   94805          5            08/12/02         00
    0400640918                           05           10/01/02          0
    0400640918                           O            09/01/32
    0

    7961671          E82/G02             F          161,000.00         ZZ
                                         360        161,000.00          1
                                       7.375          1,111.99         78
                                       7.125          1,111.99
    DURANGO          CO   81301          2            08/12/02         00
    0400670477                           05           10/01/02          0
    5141582                              O            09/01/32
    0

    7961773          737/G02             F           51,750.00         ZZ
                                         360         51,750.00          1
                                       6.625            331.36         90
                                       6.375            331.36
    SHREVEPORT       LA   71104          1            08/12/02         12
    0434465019                           05           10/01/02         25
    2080168                              O            09/01/32
    0

    7961813          N67/G02             F          714,000.00         ZZ
                                         360        713,354.53          1
1

                                       6.500          4,512.97         69
                                       6.250          4,512.97
    HENDERSON        NV   89015          2            07/30/02         00
    0434450672                           03           09/01/02          0
    1070002349A                          O            08/01/32
    0

    7961949          N67/G02             F          139,550.00         ZZ
                                         360        139,451.51          1
                                       7.750            999.75         80
                                       7.500            999.75
    AVONDALE         AZ   85323          1            07/25/02         00
    0434434924                           03           09/01/02          0
    1781000811A                          O            08/01/32
    0

    7962159          N67/G02             F          152,100.00         ZZ
                                         360        151,992.65          1
                                       7.750          1,089.66         90
                                       7.500          1,089.66
    CARSON CITY      NV   89701          1            07/30/02         01
    0434436697                           05           09/01/02         30
    1782001679A                          O            08/01/32
    0

    7962373          N67/G02             F           82,800.00         ZZ
                                         360         82,735.41          1
                                       7.250            564.84         80
                                       7.000            564.84
    MIAMI            FL   33055          1            07/23/02         00
    0434438966                           05           09/01/02          0
    3254000554A                          O            08/01/32
    0

    7962415          N67/G02             F           94,000.00         ZZ
                                         360         93,930.24          1
                                       7.500            657.26         80
                                       7.250            657.26
    SMYRNA           TN   37167          5            07/25/02         00
    0434439352                           05           09/01/02          0
    3254001104A                          O            08/01/32
    0

    7962451          N67/G02             F           80,000.00         ZZ
                                         360         79,943.54          1
                                       7.750            573.13         77
                                       7.500            573.13
    MCDONOUGH        GA   30253          1            07/24/02         00
    0434439642                           05           09/01/02          0
1

    3254001223A                          O            08/01/32
    0

    7962453          N67/G02             F           53,250.00         ZZ
                                         360         53,213.35          1
                                       7.875            386.10         75
                                       7.625            386.10
    TAMPA            FL   33607          1            07/25/02         00
    0434439667                           05           09/01/02          0
    3254001226A                          O            08/01/32
    0

    7962763          N67/G02             F           48,800.00         ZZ
                                         360         48,768.08          1
                                       8.125            362.34         80
                                       7.875            362.34
    SOUTH BEND       IN   46615          1            07/31/02         00
    0434435319                           05           09/01/02          0
    3262001863A                          N            08/01/32
    0

    7962777          N67/G02             F           79,800.00         ZZ
                                         360         79,750.40          1
                                       8.375            606.54         88
                                       8.125            606.54
    ELKART           IN   46516          2            07/19/02         01
    0434435459                           05           09/01/02         30
    3262001946A                          O            08/01/32
    0

    7962779          N67/G02             F           81,000.00         ZZ
                                         360         80,944.25          1
                                       7.875            587.31         75
                                       7.625            587.31
    NASHVILLE        TN   37206          5            07/19/02         00
    0434435475                           05           09/01/02          0
    3262001949A                          O            08/01/32
    0

    7963061          N67/G02             F          332,000.00         ZZ
                                         360        331,753.61          1
                                       7.500          2,321.39         80
                                       7.250          2,321.39
    NORFOLK          VA   23503          1            07/31/02         00
    0434438404                           05           09/01/02          0
    3274002862A                          O            08/01/32
    0

1

    7963139          N67/G02             F           99,000.00         ZZ
                                         360         98,944.50          1
                                       8.875            787.69         90
                                       8.625            787.69
    BALTIMORE        MD   21209          1            07/22/02         12
    0434441291                           01           09/01/02         30
    3274003176A                          O            08/01/32
    0

    7963459          286/286             F          292,500.00         ZZ
                                         360        291,982.44          1
                                       6.625          1,872.91         61
                                       6.375          1,872.91
    SAVANNAH         GA   31419          2            06/28/02         00
    1334705                              05           08/01/02          0
    1334705                              O            07/01/32
    0

    7963469          286/286             F          267,800.00         ZZ
                                         360        267,575.01          1
                                       6.875          1,759.26         71
                                       6.625          1,759.26
    NORWALK          CT   06850          1            07/25/02         00
    1413875                              05           09/01/02          0
    1413875                              O            08/01/32
    0

    7963471          286/286             F          228,000.00         ZZ
                                         360        227,576.52          1
                                       6.375          1,422.43         80
                                       6.125          1,422.43
    HOUSTON          TX   77009          2            06/24/02         00
    1360971                              05           08/01/02          0
    1360971                              O            07/01/32
    0

    7963479          286/286             F          228,500.00         ZZ
                                         360        228,303.26          1
                                       6.750          1,482.05         66
                                       6.500          1,482.05
    SAN LEANDRO      CA   94577          2            07/10/02         00
    1386718                              05           09/01/02          0
    1386718                              O            08/01/32
    0

    7963489          286/286             F          220,000.00         ZZ
                                         360        219,629.28          1
                                       6.875          1,445.25         73
                                       6.625          1,445.25
1

    WALLED LAKE      MI   48390          1            06/26/02         00
    1342578                              05           08/01/02          0
    1342578                              O            07/01/32
    0

    7963491          286/286             F          173,600.00         ZZ
                                         360        173,457.70          1
                                       7.000          1,154.97         80
                                       6.750          1,154.97
    LAKEWOOD         CO   80232          1            07/19/02         00
    1410767                              05           09/01/02          0
    1410767                              O            08/01/32
    0

    7963495          286/286             F           70,000.00         ZZ
                                         360         69,939.73          1
                                       6.750            454.02         42
                                       6.500            454.02
    FALLS CHURCH     VA   22041          2            07/12/02         00
    1382283                              01           09/01/02          0
    1382283                              O            08/01/32
    0

    7963499          286/286             F          190,000.00         ZZ
                                         360        189,840.37          1
                                       6.875          1,248.17         80
                                       6.625          1,248.17
    THE WOODLANDS    TX   77381          1            07/26/02         00
    1439389                              03           09/01/02          0
    1439389                              O            08/01/32
    0

    7963501          286/286             F          240,000.00         ZZ
                                         360        239,564.88          1
                                       6.500          1,516.97         80
                                       6.250          1,516.97
    ORLANDO          FL   32812          1            06/28/02         00
    1353834                              03           08/01/02          0
    1353834                              O            07/01/32
    0

    7963503          286/286             F           77,000.00         ZZ
                                         360         76,935.31          1
                                       6.875            505.84         80
                                       6.625            505.84
    MIAMI            FL   33175          1            07/02/02         00
    1324353                              01           09/01/02          0
    1324353                              O            08/01/32
    0
1

    7963505          286/286             F          202,000.00         ZZ
                                         360        201,857.42          2
                                       7.750          1,447.16         80
                                       7.500          1,447.16
    MIAMI            FL   33145          1            07/25/02         00
    1429939                              05           09/01/02          0
    1429939                              O            08/01/32
    0

    7963507          286/286             F          176,850.00         ZZ
                                         360        176,551.99          1
                                       6.875          1,161.78         90
                                       6.625          1,161.78
    MABLETON         GA   30126          1            06/26/02         10
    1382866                              05           08/01/02         25
    1382866                              O            07/01/32
    0

    7963511          286/286             F          198,000.00         T
                                         360        197,690.15          1
                                       7.250          1,350.71         90
                                       7.000          1,350.71
    DESTIN           FL   32541          1            06/28/02         11
    1344784                              03           08/01/02         25
    1344784                              O            07/01/32
    0

    7963515          286/286             F          292,000.00         ZZ
                                         360        291,554.23          1
                                       7.375          2,016.78         80
                                       7.125          2,016.78
    SOUTHWEST RANCH  FL   33331          1            06/28/02         00
    1388318                              03           08/01/02          0
    1388318                              O            07/01/32
    0

    7963521          286/286             F          215,910.00         T
                                         360        215,563.65          1
                                       7.125          1,454.63         90
                                       6.875          1,454.63
    GULF SHORES      AL   36542          1            06/25/02         14
    1357419                              01           08/01/02         30
    1357419                              O            07/01/32
    0

    7963523          286/286             F          189,000.00         ZZ
                                         360        188,673.62          1
1

                                       6.750          1,225.86         69
                                       6.500          1,225.86
    NASSAU BAY       TX   77058          2            06/28/02         00
    1350341                              03           08/01/02          0
    1350341                              O            07/01/32
    0

    7963525          286/286             F          164,800.00         T
                                         360        164,654.59          1
                                       6.625          1,055.24         80
                                       6.375          1,055.24
    ASHLAND          OR   97520          1            07/12/02         00
    1346319                              05           09/01/02          0
    1346319                              O            08/01/32
    0

    7963527          286/286             F          240,000.00         ZZ
                                         360        239,777.71          1
                                       6.375          1,497.29         70
                                       6.125          1,497.29
    CORAL SPRINGS    FL   33076          2            07/17/02         00
    1313069                              03           09/01/02          0
    1313069                              O            08/01/32
    0

    7963537          286/286             F           84,325.00         ZZ
                                         360         84,054.15          1
                                       6.875            553.96         65
                                       6.625            553.96
    AVONDALE         AZ   85323          1            07/01/02         00
    1380305                              03           09/01/02          0
    1380305                              O            08/01/32
    0

    7963539          286/286             F           88,800.00         ZZ
                                         360         88,728.98          1
                                       7.125            598.27         80
                                       6.875            598.27
    ENGLISHTOWN      NJ   07726          1            07/12/02         00
    1334191                              01           09/01/02          0
    1334191                              O            08/01/32
    0

    7963541          286/286             F          250,600.00         ZZ
                                         360        250,217.45          1
                                       7.375          1,730.83         80
                                       7.125          1,730.83
    WOODBRIDGE       VA   22191          1            06/26/02         00
    1266949                              03           08/01/02          0
1

    1266949                              O            07/01/32
    0

    7963545          286/286             F          210,000.00         ZZ
                                         360        209,819.19          1
                                       6.750          1,362.06         62
                                       6.500          1,362.06
    EDISON           NJ   08837          1            07/24/02         00
    547044                               05           09/01/02          0
    547044                               O            08/01/32
    0

    7963547          286/286             F          226,305.00         ZZ
                                         360        225,894.71          1
                                       6.500          1,430.41         90
                                       6.250          1,430.41
    LEAGUE CITY      TX   77573          1            06/28/02         11
    1387522                              03           08/01/02         25
    1387522                              O            07/01/32
    0

    7963549          286/286             F          235,000.00         ZZ
                                         360        234,829.91          2
                                       7.625          1,663.32         78
                                       7.375          1,663.32
    FRAMINGHAM       MA   01701          2            07/16/02         00
    1345600                              05           09/01/02          0
    1345600                              O            08/01/32
    0

    7963551          286/286             F          225,000.00         ZZ
                                         360        224,506.28          1
                                       6.750          1,459.35         60
                                       6.500          1,459.35
    OLD BETHPAGE     NY   11804          1            07/29/02         00
    147947                               05           09/01/02          0
    147947                               O            08/01/32
    0

    7963555          286/286             F          106,650.00         ZZ
                                         360        106,553.58          1
                                       6.500            674.11         90
                                       6.250            674.11
    HOUSTON          TX   77084          1            07/17/02         11
    1408771                              03           09/01/02         25
    1408771                              O            08/01/32
    0

1

    7963557          286/286             F           75,000.00         ZZ
                                         360         74,930.53          1
                                       6.375            467.91         33
                                       6.125            467.91
    EASTON           MA   02375          1            07/25/02         00
    1081463                              03           09/01/02          0
    1081463                              O            08/01/32
    0

    7963559          286/286             F           63,000.00         ZZ
                                         360         62,947.07          2
                                       6.875            413.87         90
                                       6.625            413.87
    PLYMOUTH         PA   18651          1            07/08/02         12
    1357387                              05           09/01/02         25
    1357387                              O            08/01/32
    0

    7963561          286/286             F          270,000.00         ZZ
                                         360        269,773.17          1
                                       6.875          1,773.71         90
                                       6.625          1,773.71
    ROYAL OAK        MI   48073          1            07/03/02         10
    1351918                              05           09/01/02         25
    1351918                              O            08/01/32
    0

    7963565          286/286             F          264,000.00         ZZ
                                         360        263,761.34          1
                                       6.500          1,668.66         73
                                       6.250          1,668.66
    WESTMINSTER      MD   21157          2            07/25/02         00
    1412984                              05           09/01/02          0
    1412984                              O            08/01/32
    0

    7963571          286/286             F          102,150.00         ZZ
                                         360        102,077.90          1
                                       7.750            731.82         90
                                       7.500            731.82
    FORT GRATIOT     MI   48059          1            07/15/02         11
    1359286                              05           09/01/02         25
    1359286                              O            08/01/32
    0

    7963573          286/286             F          195,000.00         ZZ
                                         360        194,823.71          1
                                       6.500          1,232.54         80
                                       6.250          1,232.54
1

    ASHLAND          OR   97520          1            07/22/02         00
    1411508                              03           09/01/02          0
    1411508                              O            08/01/32
    0

    7963577          286/286             F          300,700.00         ZZ
                                         360        300,459.54          1
                                       7.125          2,025.87         85
                                       6.875          2,025.87
    CORAL GABLES     FL   33146          1            07/15/02         14
    1397706                              05           09/01/02         12
    1397706                              O            08/01/32
    0

    7963581          286/286             F          207,000.00         T
                                         360        206,510.24          1
                                       7.250          1,412.11         90
                                       7.000          1,412.11
    ENCINITAS        CA   92007          2            06/19/02         10
    1323111                              03           08/01/02         25
    1323111                              O            07/01/32
    0

    7963585          286/286             F          253,300.00         ZZ
                                         360        253,092.37          1
                                       7.000          1,685.21         72
                                       6.750          1,685.21
    FRISCO           TX   75034          2            07/12/02         00
    1357396                              03           09/01/02          0
    1357396                              O            08/01/32
    0

    7963587          286/286             F          203,850.00         T
                                         360        203,530.98          1
                                       7.250          1,390.62         90
                                       7.000          1,390.62
    LITTLETON        CO   80120          1            06/28/02         11
    1377680                              05           08/01/02         25
    1377680                              O            07/01/32
    0

    7963591          286/286             F          200,000.00         ZZ
                                         360        199,836.06          1
                                       7.000          1,330.61         80
                                       6.750          1,330.61
    CLARK            NJ   07066          1            07/18/02         00
    1310273                              05           09/01/02          0
    1310273                              O            08/01/32
    0
1

    7963593          286/286             F          270,000.00         ZZ
                                         360        269,545.04          1
                                       6.875          1,773.71         90
                                       6.625          1,773.71
    SAN DIEGO        CA   92103          1            06/07/02         12
    1303844                              01           08/01/02         25
    1303844                              O            07/01/32
    0

    7963597          286/286             F          258,500.00         ZZ
                                         360        258,085.34          1
                                       7.125          1,741.56         90
                                       6.875          1,741.56
    SOUTH RIDING     VA   20152          1            06/27/02         12
    1385212                              03           08/01/02         25
    1385212                              O            07/01/32
    0

    7963601          286/286             F          246,200.00         ZZ
                                         360        245,993.16          1
                                       6.875          1,617.36         79
                                       6.625          1,617.36
    PHOENIX          AZ   85040          2            07/17/02         00
    540631                               03           09/01/02          0
    540631                               O            08/01/32
    0

    7963603          286/286             F           80,000.00         ZZ
                                         360         79,858.03          1
                                       6.875            525.55         50
                                       6.625            525.55
    NEWARK           OH   43055          1            07/12/02         00
    1348009                              05           09/01/02          0
    1348009                              O            08/01/32
    0

    7963607          286/286             F           83,700.00         ZZ
                                         360         83,465.05          1
                                       7.875            606.89         90
                                       7.625            606.89
    MOBILE           AL   36693          1            06/28/02         12
    1347392                              05           08/01/02         25
    1347392                              O            07/01/32
    0

    7963615          286/286             F          189,000.00         ZZ
                                         360        188,837.27          1
1

                                       6.750          1,225.86         90
                                       6.500          1,225.86
    GREENVILLE       SC   29601          1            07/11/02         10
    1395895                              01           09/01/02         25
    1395895                              O            08/01/32
    0

    7963617          286/286             F          277,600.00         ZZ
                                         360        277,349.04          1
                                       6.500          1,754.63         80
                                       6.250          1,754.63
    PLANO            TX   75025          1            07/26/02         00
    1414464                              03           09/01/02          0
    1414464                              O            08/01/32
    0

    7963625          286/286             F           80,080.00         ZZ
                                         360         80,012.72          1
                                       6.875            526.07         77
                                       6.625            526.07
    REYNOLDSBURG     OH   43068          1            07/29/02         00
    1392754                              05           09/01/02          0
    1392754                              O            08/01/32
    0

    7963627          286/286             F          202,500.00         ZZ
                                         360        202,064.25          1
                                       6.750          1,313.42         90
                                       6.500          1,313.42
    HOUSTON          TX   77057          1            07/08/02         10
    1385543                              01           09/01/02         25
    1385543                              O            08/01/32
    0

    7963631          286/286             F          174,750.00         ZZ
                                         360        174,483.25          1
                                       7.375          1,206.95         75
                                       7.125          1,206.95
    HOBOKEN          NJ   07030          2            06/24/02         00
    1342439                              01           08/01/02          0
    1342439                              O            07/01/32
    0

    7963633          286/286             F          292,400.00         ZZ
                                         360        292,154.35          1
                                       6.875          1,920.86         90
                                       6.625          1,920.86
    MARIETTA         GA   30062          1            07/15/02         10
    1335827                              03           09/01/02         25
1

    1335827                              O            08/01/32
    0

    7963635          286/286             F          263,250.00         T
                                         360        262,627.90          1
                                       6.875          1,729.37         90
                                       6.625          1,729.37
    COPPER MOUNTAIN  CO   80443          1            07/02/02         10
    1378923                              01           08/01/02         25
    1378923                              O            07/01/32
    0

    7963637          286/286             F           83,600.00         ZZ
                                         360         83,528.02          1
                                       6.750            542.23         80
                                       6.500            542.23
    FORT WAYNE       IN   46835          1            07/16/02         00
    1087576                              05           09/01/02          0
    1087576                              O            08/01/32
    0

    7963639          286/286             F          204,000.00         ZZ
                                         360        203,840.86          1
                                       7.250          1,391.64         80
                                       7.000          1,391.64
    MORTON GROVE     IL   60053          1            07/18/02         00
    1320600                              05           09/01/02          0
    1320600                              O            08/01/32
    0

    7963641          286/286             F          197,000.00         ZZ
                                         360        196,700.55          1
                                       6.500          1,245.18         52
                                       6.250          1,245.18
    SHIP BOTTOM      NJ   08008          2            07/25/02         00
    1407441                              05           09/01/02          0
    1407441                              O            08/01/32
    0

    7963643          286/286             F          249,000.00         ZZ
                                         360        248,785.62          1
                                       6.750          1,615.01         63
                                       6.500          1,615.01
    SO DARTMOUTH     MA   02748          1            07/17/02         00
    1352569                              05           09/01/02          0
    1352569                              O            08/01/32
    0

1

    7963649          286/286             F          164,250.00         ZZ
                                         360        163,952.98          1
                                       7.625          1,162.56         90
                                       7.375          1,162.56
    NEW WINDSOR      MD   21776          1            07/03/02         11
    1387447                              05           08/01/02         25
    1387447                              O            07/01/32
    0

    7963655          286/286             F          260,900.00         ZZ
                                         360        260,675.36          1
                                       6.750          1,692.20         90
                                       6.500          1,692.20
    ASTON            PA   19014          1            07/15/02         12
    172391                               05           09/01/02         25
    172391                               O            08/01/32
    0

    7963657          286/286             F          288,000.00         ZZ
                                         360        287,791.55          1
                                       7.625          2,038.45         90
                                       7.375          2,038.45
    SEVERNA PARK     MD   21146          1            07/25/02         11
    1343685                              03           09/01/02         25
    1343685                              O            08/01/32
    0

    7963663          286/286             F          108,392.00         ZZ
                                         360        108,315.49          1
                                       7.750            776.54         80
                                       7.500            776.54
    MIRAMAR          FL   33027          1            07/17/02         00
    1318205                              01           09/01/02          0
    1318205                              O            08/01/32
    0

    7963665          286/286             F          219,200.00         ZZ
                                         360        218,830.63          1
                                       6.875          1,439.99         80
                                       6.625          1,439.99
    AUSTIN           TX   78703          1            06/26/02         00
    1372915                              05           08/01/02          0
    1372915                              O            07/01/32
    0

    7963669          286/286             F          240,000.00         ZZ
                                         360        239,803.27          1
                                       7.000          1,596.73         90
                                       6.750          1,596.73
1

    CANONSBURG       PA   15317          1            07/24/02         11
    1355142                              05           09/01/02         25
    1355142                              O            08/01/32
    0

    7963671          286/286             F          357,920.00         ZZ
                                         360        357,611.83          1
                                       6.750          2,321.47         90
                                       6.500          2,321.47
    KIHEI            HI   96753          1            07/10/02         14
    1350398                              05           09/01/02         25
    1350398                              O            08/01/32
    0

    7963673          286/286             F          256,500.00         ZZ
                                         360        256,279.15          1
                                       6.750          1,663.66         75
                                       6.500          1,663.66
    NEW BRAUNFELS    TX   78132          2            07/26/02         00
    1381951                              03           09/01/02          0
    1381951                              O            08/01/32
    0

    7963683          286/286             F          288,000.00         ZZ
                                         360        287,763.92          1
                                       7.000          1,916.08         90
                                       6.750          1,916.08
    WASHINGTON       NJ   07882          1            07/08/02         10
    1321952                              05           09/01/02         25
    1321952                              O            08/01/32
    0

    7963691          286/286             F           58,500.00         ZZ
                                         360         58,416.92          1
                                       7.750            419.11         90
                                       7.500            419.11
    FT LAUDERDALE    FL   33309          1            07/26/02         11
    1351116                              01           09/01/02         25
    1351116                              O            08/01/32
    0

    7963699          286/286             F          222,000.00         ZZ
                                         360        221,639.54          1
                                       7.125          1,495.66         80
                                       6.875          1,495.66
    EVANSTON         IL   60202          1            06/28/02         00
    1303255                              01           08/01/02          0
    1303255                              O            07/01/32
    0
1

    7963703          286/286             F          244,000.00         ZZ
                                         360        243,645.67          1
                                       7.625          1,727.02         80
                                       7.375          1,727.02
    HOOD RIVER       OR   97031          1            06/25/02         00
    1335809                              05           08/01/02          0
    1335809                              O            07/01/32
    0

    7963707          286/286             F          159,900.00         ZZ
                                         360        159,643.50          1
                                       7.125          1,077.28         80
                                       6.875          1,077.28
    UNION            NJ   07083          1            06/28/02         00
    1302906                              05           08/01/02          0
    1302906                              O            07/01/32
    0

    7963709          286/286             F           80,750.00         T
                                         360         80,623.62          1
                                       7.250            550.86         85
                                       7.000            550.86
    SEVIERVILLE      TN   37863          1            06/28/02         21
    1361043                              05           08/01/02         12
    1361043                              O            07/01/32
    0

    7963713          286/286             F          270,000.00         ZZ
                                         360        269,773.17          1
                                       6.875          1,773.71         90
                                       6.625          1,773.71
    SMITHVILLE       TX   78957          1            07/26/02         11
    1402295                              05           09/01/02         25
    1402295                              O            08/01/32
    0

    7963715          286/286             F           71,900.00         ZZ
                                         360         71,838.09          1
                                       6.750            466.35         90
                                       6.500            466.35
    PT ST LUCIE      FL   34592          1            07/15/02         28
    1375505                              05           09/01/02         25
    1375505                              O            08/01/32
    0

    7963717          286/286             F           84,600.00         ZZ
                                         360         84,528.90          1
1

                                       6.875            555.77         90
                                       6.625            555.77
    BEAUFORT         SC   29902          1            07/16/02         10
    1383253                              05           09/01/02         25
    1383253                              O            08/01/32
    0

    7963723          286/286             F          111,240.00         ZZ
                                         360        111,151.05          1
                                       7.125            749.44         90
                                       6.875            749.44
    COLDSPRING       TX   77331          1            07/10/02         28
    1348934                              05           09/01/02         25
    1348934                              O            08/01/32
    0

    7963725          286/286             F          297,000.00         ZZ
                                         360        296,779.58          2
                                       7.500          2,076.67         90
                                       7.250          2,076.67
    LYNDHURST        NJ   07071          1            07/18/02         28
    1322942                              05           09/01/02         25
    1322942                              O            08/01/32
    0

    7963729          286/286             F          296,800.00         ZZ
                                         360        296,299.87          1
                                       6.875          1,949.77         80
                                       6.625          1,949.77
    SUFFERN          NY   10901          1            07/02/02         00
    147887                               05           08/01/02          0
    147887                               O            07/01/32
    0

    7963731          286/286             F          266,067.00         ZZ
                                         360        265,629.53          1
                                       7.000          1,770.16         90
                                       6.750          1,770.16
    MORTON GROVE     IL   60053          1            06/28/02         28
    1289512                              01           08/01/02         25
    1289512                              O            07/01/32
    0

    7963733          286/286             F           80,000.00         ZZ
                                         360         79,939.12          1
                                       7.375            552.55         61
                                       7.125            552.55
    DAYTON           NV   89403          1            07/08/02         00
    1387016                              05           09/01/02          0
1

    1387016                              O            08/01/32
    0

    7963749          286/286             F           85,000.00         ZZ
                                         360         84,930.32          1
                                       7.000            565.51         69
                                       6.750            565.51
    DEARBORN HEIGHT  MI   48127          1            07/02/02         00
    1352287                              05           09/01/02          0
    1352287                              O            08/01/32
    0

    7963751          286/286             F          260,000.00         ZZ
                                         360        259,561.87          1
                                       6.875          1,708.02         80
                                       6.625          1,708.02
    REDINGTON SHORE  FL   33708          1            06/28/02         00
    1333430                              05           08/01/02          0
    1333430                              O            07/01/32
    0

    7963761          286/286             F          200,000.00         ZZ
                                         360        199,827.80          1
                                       6.750          1,297.20         72
                                       6.500          1,297.20
    AUSTIN           TX   78759          1            07/15/02         00
    1376858                              03           09/01/02          0
    1376858                              O            08/01/32
    0

    7963765          286/286             F          233,910.00         ZZ
                                         360        233,722.94          1
                                       7.125          1,575.90         90
                                       6.875          1,575.90
    DOYLESTOWN       PA   18901          1            07/26/02         10
    1414035                              05           09/01/02         25
    1414035                              O            08/01/32
    0

    7963771          286/286             F          190,000.00         ZZ
                                         360        189,844.25          1
                                       7.000          1,264.08         55
                                       6.750          1,264.08
    SAN MARCOS       CA   92078          2            07/23/02         00
    1426446                              03           09/01/02          0
    1426446                              O            08/01/32
    0

1

    7963775          286/286             F          133,200.00         ZZ
                                         360        133,088.10          1
                                       6.875            875.03         90
                                       6.625            875.03
    PEARLAND         TX   77581          1            07/24/02         10
    1434113                              05           09/01/02         25
    1434113                              O            08/01/32
    0

    7963789          286/286             F          262,400.00         ZZ
                                         360        262,149.80          1
                                       6.875          1,723.79         80
                                       6.625          1,723.79
    KISSIMMEE        FL   34744          1            07/02/02         00
    1376617                              03           09/01/02          0
    1376617                              O            08/01/32
    0

    7963791          286/286             F          225,000.00         ZZ
                                         360        224,664.98          1
                                       7.500          1,573.24         57
                                       7.250          1,573.24
    MIDDLETOWN       NJ   07748          1            06/27/02         00
    1102971                              05           08/01/02          0
    1102971                              O            07/01/32
    0

    7963793          286/286             F          255,000.00         ZZ
                                         360        254,780.45          1
                                       6.750          1,653.93         46
                                       6.500          1,653.93
    SAN GABRIEL      CA   91775          1            07/05/02         00
    1392674                              05           09/01/02          0
    1392674                              O            08/01/32
    0

    7963797          286/286             F          234,000.00         ZZ
                                         360        233,363.41          1
                                       6.875          1,537.22         90
                                       6.625          1,537.22
    KEY LARGO        FL   33037          1            07/29/02         10
    1408793                              05           09/01/02         25
    1408793                              O            08/01/32
    0

    7963799          286/286             F          341,000.00         ZZ
                                         360        340,771.19          2
                                       8.000          2,502.14         90
                                       7.750          2,502.14
1

    JAMAICA          NY   11436          1            07/18/02         11
    1291623                              05           09/01/02         25
    1291623                              O            08/01/32
    0

    7963801          286/286             F           83,700.00         ZZ
                                         360         83,631.39          1
                                       7.000            556.86         90
                                       6.750            556.86
    LAHAINA          HI   96761          1            06/26/02         14
    1353313                              01           09/01/02         25
    1353313                              O            08/01/32
    0

    7963803          286/286             F          233,000.00         ZZ
                                         360        232,804.25          1
                                       6.875          1,530.65         78
                                       6.625          1,530.65
    SHORELINE        WA   98133          2            07/18/02         00
    1392782                              05           09/01/02          0
    1392782                              O            08/01/32
    0

    7963805          286/286             F          235,450.00         ZZ
                                         360        235,252.19          1
                                       6.875          1,546.74         85
                                       6.625          1,546.74
    SACRAMENTO       CA   95823          1            07/17/02         12
    1408468                              05           09/01/02         12
    1408468                              O            08/01/32
    0

    7963807          286/286             F          171,600.00         ZZ
                                         360        171,437.17          1
                                       6.250          1,056.58         80
                                       6.000          1,056.58
    WATERBURY        CT   06708          1            07/24/02         00
    1414515                              05           09/01/02          0
    1414515                              O            08/01/32
    0

    7963809          286/286             F          200,000.00         ZZ
                                         360        199,843.97          1
                                       7.250          1,364.36         80
                                       7.000          1,364.36
    WHEELING         IL   60090          1            07/26/02         00
    1345221                              05           09/01/02          0
    1345221                              O            08/01/32
    0
1

    7963811          286/286             F           98,100.00         ZZ
                                         360         98,017.58          1
                                       6.875            644.45         90
                                       6.625            644.45
    MIAMI            FL   33137          1            07/02/02         12
    1312596                              01           09/01/02         25
    1312596                              O            08/01/32
    0

    7963813          286/286             F          274,000.00         ZZ
                                         360        273,592.03          2
                                       7.500          1,915.85         84
                                       7.250          1,915.85
    NEW ORLEANS      LA   70113          2            06/22/02         11
    1370827                              05           08/01/02         12
    1370827                              O            07/01/32
    0

    7963817          286/286             F          230,850.00         ZZ
                                         360        230,646.32          1
                                       6.625          1,478.16         80
                                       6.375          1,478.16
    TAMPA            FL   33647          1            07/26/02         00
    1440314                              03           09/01/02          0
    1440314                              O            08/01/32
    0

    7963819          286/286             F          259,000.00         ZZ
                                         360        258,771.49          1
                                       6.625          1,658.41         67
                                       6.375          1,658.41
    RALEIGH          NC   27606          2            07/25/02         00
    1360214                              03           09/01/02          0
    1360214                              O            08/01/32
    0

    7963825          286/286             F          280,000.00         ZZ
                                         360        279,528.17          1
                                       6.875          1,839.41         76
                                       6.625          1,839.41
    MARY ESTHER      FL   32569          1            06/26/02         00
    1387421                              05           08/01/02          0
    1387421                              O            07/01/32
    0

    7963837          286/286             F          151,900.00         ZZ
                                         360        151,765.97          1
1

                                       6.625            972.64         80
                                       6.375            972.64
    MIAMI            FL   33186          1            07/16/02         00
    1357332                              05           09/01/02          0
    1357332                              O            08/01/32
    0

    7963845          286/286             F          190,800.00         ZZ
                                         360        190,501.40          1
                                       7.250          1,301.60         90
                                       7.000          1,301.60
    STOCKTON         CA   95209          1            06/28/02         14
    1377505                              05           08/01/02         25
    1377505                              O            07/01/32
    0

    7963847          286/286             F          276,000.00         T
                                         360        275,795.16          1
                                       7.500          1,929.84         78
                                       7.250          1,929.84
    CHICAGO          IL   60610          2            07/25/02         00
    1392403                              01           09/01/02          0
    1392403                              O            08/01/32
    0

    7963849          286/286             F          285,600.00         ZZ
                                         360        285,236.25          1
                                       6.875          1,876.19         79
                                       6.625          1,876.19
    ANTIOCH          CA   94509          2            07/22/02         00
    1105584                              03           09/01/02          0
    1105584                              O            08/01/32
    0

    7963853          286/286             F          220,720.00         ZZ
                                         360        220,547.82          1
                                       7.250          1,505.70         80
                                       7.000          1,505.70
    SILVER SPRING    MD   20904          1            07/12/02         00
    811113                               05           09/01/02          0
    811113                               O            08/01/32
    0

    7963855          286/286             F          193,500.00         ZZ
                                         360        193,325.08          1
                                       6.500          1,223.05         77
                                       6.250          1,223.05
    SAN DIEGO        CA   92104          1            07/01/02         00
    805925                               05           09/01/02          0
1

    805925                               O            08/01/32
    0

    7963857          286/286             F          247,200.00         ZZ
                                         360        246,773.14          1
                                       6.750          1,603.33         90
                                       6.500          1,603.33
    SAN JUAN CAPIST  CA   92675          1            06/20/02         11
    804595                               03           08/01/02         25
    804595                               O            07/01/32
    0

    7963863          286/286             F          225,000.00         ZZ
                                         360        224,810.97          1
                                       6.875          1,478.09         67
                                       6.625          1,478.09
    ANAHEIM          CA   92807          2            07/09/02         00
    805923                               03           09/01/02          0
    805923                               O            08/01/32
    0

    7963869          286/286             F          121,400.00         ZZ
                                         240        121,152.45          1
                                       6.500            905.13         64
                                       6.250            905.13
    WILDOMAR         CA   92595          2            07/24/02         00
    1106686                              05           09/01/02          0
    1106686                              O            08/01/22
    0

    7963875          286/286             F          298,700.00         ZZ
                                         360        298,442.82          1
                                       6.750          1,937.37         78
                                       6.500          1,937.37
    LOCKEFORD        CA   95237          2            07/09/02         00
    793405                               05           09/01/02          0
    793405                               O            08/01/32
    0

    7963877          286/286             F           78,500.00         ZZ
                                         360         78,434.05          1
                                       6.875            515.69         85
                                       6.625            515.69
    GALLLOWAY        NJ   08205          1            07/22/02         11
    1410550                              01           09/01/02         12
    1410550                              O            08/01/32
    0

1

    7963879          286/286             F          216,000.00         ZZ
                                         360        215,835.64          1
                                       7.375          1,491.86         80
                                       7.125          1,491.86
    CONCORD          CA   94520          2            07/09/02         00
    805677                               05           09/01/02          0
    805677                               O            08/01/32
    0

    7963885          286/286             F          198,000.00         ZZ
                                         360        197,821.01          1
                                       6.500          1,251.49         67
                                       6.250          1,251.49
    MURRIETA         CA   92562          1            07/11/02         00
    803210                               05           09/01/02          0
    803210                               O            08/01/32
    0

    7963889          286/286             F          229,500.00         ZZ
                                         360        229,307.18          1
                                       6.875          1,507.66         90
                                       6.625          1,507.66
    EL PASO          TX   79922          1            07/16/02         10
    1105229                              05           09/01/02         30
    1105229                              O            08/01/32
    0

    7963891          286/286             F          295,000.00         ZZ
                                         360        294,502.90          1
                                       6.875          1,937.94         90
                                       6.625          1,937.94
    SAN DIEGO        CA   92126          1            06/26/02         14
    806780                               05           08/01/02         25
    806780                               O            07/01/32
    0

    7963897          286/286             F          200,000.00         ZZ
                                         360        199,862.36          1
                                       7.875          1,450.14         54
                                       7.625          1,450.14
    BLOOMINGDALE     IL   60108          2            07/10/02         00
    1359333                              05           09/01/02          0
    1359333                              O            08/01/32
    0

    7963903          286/286             F          163,800.00         ZZ
                                         360        163,568.04          1
                                       7.750          1,173.48         90
                                       7.500          1,173.48
1

    PERRIS           CA   92570          1            06/14/02         10
    802700                               05           08/01/02         25
    802700                               O            07/01/32
    0

    7963905          286/286             F          221,500.00         ZZ
                                         360        221,327.21          1
                                       7.250          1,511.02         80
                                       7.000          1,511.02
    CHULA VISTA      CA   91910          1            07/09/02         00
    1104875                              05           09/01/02          0
    1104875                              O            08/01/32
    0

    7963909          286/286             F          250,000.00         ZZ
                                         360        249,627.76          1
                                       7.500          1,748.04         87
                                       7.250          1,748.04
    ORANGE           CA   92867          1            06/14/02         11
    804194                               05           08/01/02         25
    804194                               O            07/01/32
    0

    7963911          286/286             F          165,550.00         ZZ
                                         360        165,407.47          1
                                       6.750          1,073.75         90
                                       6.500          1,073.75
    RANCHO CUCAMONG  CA   91730          1            07/03/02         11
    806715                               05           09/01/02         25
    806715                               O            08/01/32
    0

    7963915          286/286             F          276,000.00         ZZ
                                         360        275,523.40          1
                                       6.750          1,790.13         80
                                       6.500          1,790.13
    TUJUNGA AREA     CA   91042          2            06/21/02         00
    805386                               05           08/01/02          0
    805386                               O            07/01/32
    0

    7963917          286/286             F           67,600.00         T
                                         360         67,549.83          1
                                       7.500            472.67         80
                                       7.250            472.67
    MUNDS PARK       AZ   86017          1            06/27/02         00
    105152                               03           08/01/02          0
    105152                               O            07/01/32
    0
1

    7963925          286/286             F          215,950.00         T
                                         360        215,628.48          1
                                       7.500          1,509.95         90
                                       7.250          1,509.95
    FOLSOM           CA   95630          1            06/19/02         10
    802187                               05           08/01/02         25
    802187                               O            07/01/32
    0

    7963927          286/286             F          195,000.00         ZZ
                                         360        194,679.39          1
                                       7.000          1,297.34         74
                                       6.750          1,297.34
    VAN NUYS AREA    CA   91405          1            06/21/02         00
    802360                               05           08/01/02          0
    802360                               O            07/01/32
    0

    7963929          286/286             F          118,400.00         ZZ
                                         360        118,316.43          2
                                       7.750            848.24         80
                                       7.500            848.24
    NEW HAVEN        CT   06512          1            07/24/02         00
    1316499                              05           09/01/02          0
    1316499                              O            08/01/32
    0

    7963937          286/286             F          260,050.00         ZZ
                                         360        259,578.55          1
                                       6.500          1,643.69         90
                                       6.250          1,643.69
    CONCORD          CA   94519          1            06/26/02         14
    807513                               05           08/01/02         25
    807513                               O            07/01/32
    0

    7963939          286/286             F          218,000.00         ZZ
                                         360        217,816.86          1
                                       6.875          1,432.10         74
                                       6.625          1,432.10
    ANAHEIM          CA   92802          2            07/17/02         00
    808151                               05           09/01/02          0
    808151                               O            08/01/32
    0

    7963941          286/286             F          289,500.00         ZZ
                                         360        289,290.47          1
1

                                       7.625          2,049.06         90
                                       7.375          2,049.06
    GUATAY           CA   91931          1            07/24/02         14
    807613                               05           09/01/02         25
    807613                               O            08/01/32
    0

    7963945          286/286             F          256,000.00         ZZ
                                         360        255,568.62          1
                                       6.875          1,681.74         80
                                       6.625          1,681.74
    POWAY            CA   92064          1            06/18/02         00
    796191                               05           08/01/02          0
    796191                               O            07/01/32
    0

    7963955          286/286             F          196,000.00         ZZ
                                         360        195,843.26          1
                                       7.125          1,320.49         88
                                       6.875          1,320.49
    SALT LAKE CITY   UT   84106          2            07/01/02         11
    796389                               05           09/01/02         25
    796389                               O            08/01/32
    0

    7963957          286/286             F          296,650.00         ZZ
                                         360        295,949.56          1
                                       6.875          1,948.78         85
                                       6.625          1,948.78
    CARMICHAEL       CA   95608          1            06/24/02         04
    774282                               05           08/01/02         12
    774282                               O            07/01/32
    0

    7963959          286/286             F          214,550.00         ZZ
                                         360        214,365.27          1
                                       6.750          1,391.57         70
                                       6.500          1,391.57
    FAIRFIELD        CA   94533          1            07/12/02         00
    1105153                              03           09/01/02          0
    1105153                              O            08/01/32
    0

    7963961          286/286             F          218,200.00         ZZ
                                         360        217,832.31          1
                                       6.875          1,433.42         90
                                       6.625          1,433.42
    PALM SPRINGS     CA   92262          1            05/31/02         14
    794802                               05           08/01/02         25
1

    794802                               O            07/01/32
    0

    7963965          286/286             F          310,000.00         ZZ
                                         360        309,464.70          1
                                       6.750          2,010.65         90
                                       6.500          2,010.65
    GARDEN GROVE     CA   92841          1            06/21/02         14
    803666                               05           08/01/02         25
    803666                               O            07/01/32
    0

    7963967          286/286             F          268,800.00         ZZ
                                         360        268,222.38          1
                                       6.750          1,743.43         80
                                       6.500          1,743.43
    WINDSOR          CA   95492          1            06/20/02         00
    805003                               05           08/01/02          0
    805003                               O            07/01/32
    0

    7963969          286/286             F          255,200.00         ZZ
                                         360        254,950.13          1
                                       6.625          1,634.07         80
                                       6.375          1,634.07
    ALAMEDA          CA   94501          1            07/10/02         00
    807708                               05           09/01/02          0
    807708                               O            08/01/32
    0

    7963971          286/286             F          295,150.00         ZZ
                                         360        294,902.03          1
                                       6.875          1,938.93         90
                                       6.625          1,938.93
    LA HABRA         CA   90631          1            07/10/02         14
    808434                               05           09/01/02         25
    808434                               O            08/01/32
    0

    7963973          286/286             F          134,851.00         ZZ
                                         360        134,618.12          1
                                       6.750            874.65         90
                                       6.500            874.65
    SALT LAKE CITY   UT   84111          1            06/26/02         14
    819581                               05           08/01/02         25
    819581                               O            07/01/32
    0

1

    7963977          286/286             F          193,500.00         ZZ
                                         360        193,218.99          1
                                       7.625          1,369.59         90
                                       7.375          1,369.59
    SOUTHAMPTON      MA   01073          1            07/03/02         14
    1355244                              05           08/01/02         25
    1355244                              O            07/01/32
    0

    7963981          286/286             F          269,000.00         ZZ
                                         360        268,774.01          1
                                       6.875          1,767.14         67
                                       6.625          1,767.14
    VALLEJO          CA   94591          2            07/09/02         00
    805668                               05           09/01/02          0
    805668                               O            08/01/32
    0

    7963983          286/286             F          181,800.00         ZZ
                                         360        181,477.51          1
                                       6.875          1,194.30         90
                                       6.625          1,194.30
    NORTH HOLLYWOOD  CA   91605          1            06/28/02         11
    805793                               05           09/01/02         25
    805793                               O            08/01/32
    0

    7963985          286/286             F          150,890.00         ZZ
                                         360        150,763.23          1
                                       6.875            991.24         90
                                       6.625            991.24
    EAGLE            ID   83616          1            07/18/02         01
    812879                               03           09/01/02         25
    812879                               O            08/01/32
    0

    7963989          286/286             F          282,000.00         ZZ
                                         360        281,757.20          1
                                       6.750          1,829.05         80
                                       6.500          1,829.05
    RIVERSIDE        CA   92508          1            07/08/02         00
    815627                               05           09/01/02          0
    815627                               O            08/01/32
    0

    7963993          286/286             F          206,500.00         ZZ
                                         360        205,976.55          1
                                       6.875          1,356.56         90
                                       6.625          1,356.56
1

    CITRUS HEIGHTS   CA   95610          1            05/26/02         14
    798120                               05           07/01/02         25
    798120                               O            06/01/32
    0

    7963995          286/286             F          215,950.00         ZZ
                                         360        215,586.10          1
                                       6.875          1,418.64         90
                                       6.625          1,418.64
    OAKLAND          CA   94608          1            06/19/02         04
    799885                               05           08/01/02         25
    799885                               O            07/01/32
    0

    7963997          286/286             F          294,500.00         ZZ
                                         360        294,233.77          1
                                       6.500          1,861.44         74
                                       6.250          1,861.44
    ACTON AREA       CA   93510          2            06/28/02         00
    806936                               05           09/01/02          0
    806936                               O            08/01/32
    0

    7963999          286/286             F           80,000.00         ZZ
                                         360         79,880.87          1
                                       7.500            559.38         80
                                       7.250            559.38
    TINLEY PARK      IL   60477          1            06/28/02         00
    1335227                              01           08/01/02          0
    1335227                              O            07/01/32
    0

    7964001          286/286             F          227,000.00         ZZ
                                         360        226,608.02          1
                                       6.750          1,472.32         80
                                       6.500          1,472.32
    SEATTLE          WA   98118          2            06/25/02         00
    1328438                              05           08/01/02          0
    1328438                              O            07/01/32
    0

    7964007          286/286             F          300,000.00         ZZ
                                         360        299,775.19          1
                                       7.500          2,097.65         90
                                       7.250          2,097.65
    STAMFORD         CT   06906          1            07/17/02         11
    1378812                              05           09/01/02         25
    1378812                              O            08/01/32
    0
1

    7964009          286/286             F           66,500.00         ZZ
                                         240         66,362.35          1
                                       6.375            490.93         79
                                       6.125            490.93
    DALLAS           TX   75208          2            07/25/02         00
    1410161                              05           09/01/02          0
    1410161                              O            08/01/22
    0

    7964013          286/286             F          203,000.00         ZZ
                                         360        202,712.52          1
                                       7.750          1,454.32         60
                                       7.500          1,454.32
    DES PLAINES      IL   60016          2            06/27/02         00
    1353609                              05           08/01/02          0
    1353609                              O            07/01/32
    0

    7964023          286/286             F          283,000.00         ZZ
                                         360        282,800.26          1
                                       7.750          2,027.45         79
                                       7.500          2,027.45
    NORTHFIELD       IL   60093          2            07/18/02         00
    778580                               05           09/01/02          0
    778580                               O            08/01/32
    0

    7964027          286/286             F          287,950.00         ZZ
                                         360        287,725.37          1
                                       7.250          1,964.33         90
                                       7.000          1,964.33
    ANAHEIM          CA   92806          1            07/08/02         10
    805886                               05           09/01/02         25
    805886                               O            08/01/32
    0

    7964029          286/286             F          298,000.00         ZZ
                                         360        297,778.84          2
                                       7.500          2,083.66         78
                                       7.250          2,083.66
    ELMWOOD PARK     IL   60707          1            07/15/02         00
    1405901                              05           09/01/02          0
    1405901                              O            08/01/32
    0

    7964031          286/286             F          235,000.00         ZZ
                                         360        234,692.66          1
1

                                       6.625          1,504.74         70
                                       6.375          1,504.74
    PENN VALLEY      CA   95946          1            07/02/02         00
    1382889                              05           09/01/02          0
    1382889                              O            08/01/32
    0

    7964033          286/286             F          210,000.00         ZZ
                                         360        209,823.57          1
                                       6.875          1,379.56         75
                                       6.625          1,379.56
    ELGIN            IL   60120          2            07/24/02         00
    1433786                              05           09/01/02          0
    1433786                              O            08/01/32
    0

    7964043          286/286             F          240,000.00         ZZ
                                         360        239,777.71          1
                                       6.375          1,497.29         80
                                       6.125          1,497.29
    SAN DIEGO        CA   92104          1            07/11/02         00
    808016                               05           09/01/02          0
    808016                               O            08/01/32
    0

    7964049          286/286             F          207,000.00         ZZ
                                         360        206,838.53          1
                                       7.250          1,412.10         80
                                       7.000          1,412.10
    PATTERSON        CA   95363          1            07/12/02         00
    808856                               05           09/01/02          0
    808856                               O            08/01/32
    0

    7964051          286/286             F          190,000.00         ZZ
                                         360        189,840.38          1
                                       6.875          1,248.16         72
                                       6.625          1,248.16
    ROSEVILLE        CA   95678          1            07/01/02         00
    802992                               05           09/01/02          0
    802992                               O            08/01/32
    0

    7964053          286/286             F           99,600.00         T
                                         360         99,436.24          1
                                       7.000            662.64         80
                                       6.750            662.64
    PALM DESERT      CA   92211          1            06/19/02         00
    804853                               01           08/01/02          0
1

    804853                               O            07/01/32
    0

    7964055          286/286             F          210,000.00         ZZ
                                         360        209,584.86          1
                                       7.000          1,397.14         74
                                       6.750          1,397.14
    RIVERSIDE        CA   92508          1            06/24/02         00
    806592                               05           08/01/02          0
    806592                               O            07/01/32
    0

    7964059          286/286             F          300,700.00         ZZ
                                         360        300,441.11          1
                                       6.750          1,950.33         90
                                       6.500          1,950.33
    SANTA ROSA       CA   95403          2            07/01/02         14
    806142                               05           09/01/02         25
    806142                               O            08/01/32
    0

    7964067          286/286             F          236,000.00         ZZ
                                         360        234,700.45          1
                                       6.875          1,550.35         80
                                       6.625          1,550.35
    GARDEN GROVE     CA   92844          2            06/21/02         00
    802997                               05           08/01/02          0
    802997                               O            07/01/32
    0

    7964069          286/286             F          287,200.00         ZZ
                                         360        286,975.96          1
                                       7.250          1,959.21         80
                                       7.000          1,959.21
    SAN LEANDRO      CA   94579          1            07/18/02         00
    1107012                              05           09/01/02          0
    1107012                              O            08/01/32
    0

    7964071          286/286             F          202,000.00         ZZ
                                         360        201,834.42          1
                                       7.000          1,343.91         80
                                       6.750          1,343.91
    LONG BEACH       CA   90804          2            07/18/02         00
    807319                               03           09/01/02          0
    807319                               O            08/01/32
    0

1

    7964073          286/286             F           78,350.00         ZZ
                                         360         78,282.54          1
                                       6.750            508.18         51
                                       6.500            508.18
    EAST STROUDSBUR  PA   18301          1            07/12/02         00
    1350618                              03           09/01/02          0
    1350618                              O            08/01/32
    0

    7964075          286/286             F          280,000.00         ZZ
                                         360        279,746.87          1
                                       6.500          1,769.80         46
                                       6.250          1,769.80
    BERKELEY         CA   94707          1            07/09/02         00
    1393661                              05           09/01/02          0
    1393661                              O            08/01/32
    0

    7964079          286/286             F          227,000.00         ZZ
                                         360        226,843.78          1
                                       7.875          1,645.91         80
                                       7.625          1,645.91
    CHICAGO          IL   60610          2            07/10/02         00
    1359187                              01           09/01/02          0
    1359187                              O            08/01/32
    0

    7964081          286/286             F          245,400.00         ZZ
                                         360        245,178.16          1
                                       6.500          1,551.09         75
                                       6.250          1,551.09
    SACRAMENTO       CA   95829          1            07/10/02         00
    818692                               05           09/01/02          0
    818692                               O            08/01/32
    0

    7964083          286/286             F          202,450.00         ZZ
                                         360        202,275.69          1
                                       6.750          1,313.09         50
                                       6.500          1,313.09
    CHAMPAIGN        IL   61822          1            07/11/02         00
    1315792                              05           09/01/02          0
    1315792                              O            08/01/32
    0

    7964085          286/286             F          300,700.00         ZZ
                                         360        300,414.69          1
                                       6.250          1,851.46         78
                                       6.000          1,851.46
1

    POWAY            CA   92064          1            07/18/02         00
    1106806                              05           09/01/02          0
    1106806                              O            08/01/32
    0

    7964087          286/286             F          115,150.00         T
                                         360        115,048.40          1
                                       6.625            737.32         90
                                       6.375            737.32
    LAS VEGAS        NV   89147          1            07/01/02         14
    807623                               03           09/01/02         25
    807623                               O            08/01/32
    0

    7964089          286/286             F          191,000.00         ZZ
                                         360        190,827.33          1
                                       6.500          1,207.25         66
                                       6.250          1,207.25
    RAMONA           CA   92065          2            07/12/02         00
    807086                               05           09/01/02          0
    807086                               O            08/01/32
    0

    7964091          286/286             F           97,600.00         ZZ
                                         360         97,454.67          1
                                       7.500            682.44         80
                                       7.250            682.44
    ISLIP            NY   11779          1            06/26/02         00
    782985                               05           08/01/02          0
    782985                               O            07/01/32
    0

    7964333          W39/G02             F          332,000.00         ZZ
                                         360        332,000.00          1
                                       7.000          2,208.80         80
                                       6.750          2,208.80
    OVILLA           TX   75154          5            08/12/02         00
    0434498820                           05           10/01/02          0
    PNI20660                             O            09/01/32
    0

    7964459          L21/G02             F           87,300.00         ZZ
                                         360         87,300.00          3
                                       7.875            632.99         90
                                       7.625            632.99
    ALBANY           NY   12202          1            08/16/02         14
    0434458238                           05           10/01/02         25
    70302109                             N            09/01/32
    0
1

    7964471          N47/G02             F          206,000.00         ZZ
                                         360        206,000.00          1
                                       6.625          1,319.04         55
                                       6.375          1,319.04
    OCEANSIDE        CA   92054          2            08/08/02         00
    0434464087                           05           10/01/02          0
    30122101                             O            09/01/32
    0

    7964691          286/286             F           60,800.00         ZZ
                                         360         60,709.48          1
                                       7.500            425.13         80
                                       7.250            425.13
    1UCSON           AZ   85705          5            06/11/02         00
    1348468                              05           08/01/02          0
    1348468                              N            07/01/32
    0

    7964701          286/286             F           52,500.00         ZZ
                                         360         52,416.65          2
                                       7.750            376.12         80
                                       7.500            376.12
    MILWAUKEE        WI   53210          1            06/26/02         00
    1337467                              05           08/01/02          0
    1337467                              N            07/01/32
    0

    7964713          286/286             F           30,300.00         ZZ
                                         360         30,254.87          1
                                       7.500            211.87         80
                                       7.250            211.87
    PITTSBURGH       PA   15202          1            06/06/02         00
    1332501                              05           08/01/02          0
    1332501                              N            07/01/32
    0

    7964719          286/286             F           36,900.00         ZZ
                                         360         36,872.61          1
                                       7.500            258.02         90
                                       7.250            258.02
    DETROIT          MI   48214          1            07/12/02         21
    1354177                              01           09/01/02         25
    1354177                              N            08/01/32
    0

    7964797          286/286             F          171,500.00         ZZ
                                         360        171,231.63          4
1

                                       7.250          1,169.93         70
                                       7.000          1,169.93
    METAIRIE         LA   70001          5            07/01/02         00
    1379844                              05           08/01/02          0
    1379844                              N            07/01/32
    0

    7964813          286/286             F           68,200.00         ZZ
                                         360         68,098.44          2
                                       7.500            476.87         79
                                       7.250            476.87
    SPRINGFIELD      OH   45503          2            06/13/02         00
    1329980                              05           08/01/02          0
    1329980                              N            07/01/32
    0

    7964837          286/286             F           48,800.00         ZZ
                                         360         48,764.67          1
                                       7.625            345.41         80
                                       7.375            345.41
    HAMMOND          IN   46324          2            07/03/02         00
    1377217                              05           09/01/02          0
    1377217                              N            08/01/32
    0

    7964857          286/286             F          166,500.00         ZZ
                                         360        166,239.43          2
                                       7.250          1,135.83         90
                                       7.000          1,135.83
    SAN MARCOS       TX   78666          1            06/20/02         10
    1333269                              05           08/01/02         25
    1333269                              N            07/01/32
    0

    7964859          286/286             F          166,500.00         ZZ
                                         360        166,239.43          2
                                       7.250          1,135.83         90
                                       7.000          1,135.83
    SAN MARCOS       TX   78666          1            06/20/02         10
    1333277                              05           08/01/02         25
    1333277                              N            07/01/32
    0

    7964895          N74/G02             F           56,250.00         ZZ
                                         360         56,250.00          1
                                       6.875            369.52         75
                                       6.625            369.52
    HENSLEY          AR   72065          5            08/15/02         00
    0434504577                           05           10/01/02          0
1

    0030575010                           O            09/01/32
    0

    7964901          U36/G02             F          180,000.00         ZZ
                                         360        179,863.03          1
                                       7.375          1,243.22         80
                                       7.125          1,243.22
    LIZELLA          GA   31052          2            07/29/02         00
    0434473013                           05           09/01/02          0
    987001001                            O            08/01/32
    0

    7965733          S43/G02             F          126,000.00         ZZ
                                         360        126,000.00          1
                                       6.500            796.41         80
                                       6.250            796.41
    ALBUQUERQUE      NM   87111          1            08/12/02         00
    0434464913                           05           10/01/02          0
    021171                               O            09/01/32
    0

    7965975          U97/G02             F          192,500.00         ZZ
                                         360        192,342.21          1
                                       7.000          1,280.71         79
                                       6.750          1,280.71
    LONG BEACH       CA   90805          5            07/22/02         00
    0434509444                           05           09/01/02          0
    998813107                            O            08/01/32
    0

    7965981          K15/G02             F           57,000.00         ZZ
                                         360         57,000.00          1
                                       7.875            413.29         95
                                       7.625            413.29
    BUFFALO          NY   14215          5            08/14/02         11
    0434456737                           05           10/01/02         30
    029505304516                         O            09/01/32
    0

    7966045          E86/G02             F          190,000.00         ZZ
                                         360        189,836.41          1
                                       6.750          1,232.34         54
                                       6.500          1,232.34
    PHOENIXVILLE     PA   19460          2            07/25/02         00
    0434466629                           05           09/01/02          0
    0000208484                           O            08/01/32
    0

1

    7966109          K15/G02             F           91,800.00         ZZ
                                         360         91,800.00          1
                                       7.875            665.61         90
                                       7.625            665.61
    MT AIRY          NC   27030          5            08/10/02         11
    0434470290                           05           10/01/02         30
    081002                               O            09/01/32
    0

    7966543          696/G02             F           84,000.00         ZZ
                                         360         84,000.00          1
                                       7.125            565.92         80
                                       6.875            565.92
    ARLINGTON        VA   22207          1            08/16/02         00
    0434526398                           08           10/01/02          0
    22802116                             O            09/01/32
    0

    7966951          964/G02             F          266,000.00         ZZ
                                         360        266,000.00          1
                                       6.875          1,747.43         75
                                       6.625          1,747.43
    GRASS VALLEY     CA   95949          5            08/06/02         00
    0434500997                           05           10/01/02          0
    231168                               O            09/01/32
    0

    7967151          E22/G02             F          172,000.00         ZZ
                                         360        172,000.00          2
                                       7.875          1,247.12         80
                                       7.625          1,247.12
    WILMINGTON       NC   28405          1            08/20/02         00
    0414368050                           05           10/01/02          0
    0414368050                           N            09/01/32
    0

    7967159          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.500            682.63         60
                                       6.250            682.63
    RENO             NV   89511          2            08/09/02         00
    0414404194                           05           10/01/02          0
    0414404194                           O            09/01/32
    0

    7967173          E22/G02             F           92,850.00         ZZ
                                         360         92,850.00          1
                                       6.625            594.53         70
                                       6.375            594.53
1

    STRATHMORE       CA   93267          2            08/07/02         00
    0414462036                           05           10/01/02          0
    0414462036                           O            09/01/32
    0

    7967179          E22/G02             F          148,800.00         ZZ
                                         360        148,800.00          1
                                       7.375          1,027.72         95
                                       7.125          1,027.72
    MIAMI BEACH      FL   33139          1            08/20/02         04
    0414467910                           01           10/01/02         30
    0414467910                           O            09/01/32
    0

    7967211          E22/G02             F          139,200.00         ZZ
                                         360        139,200.00          1
                                       6.750            902.85         80
                                       6.500            902.85
    NORTH PROVIDENC  RI   02904          5            08/15/02         00
    0414521302                           05           10/01/02          0
    0414521302                           O            09/01/32
    0

    7967267          E22/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       7.250          1,773.66         79
                                       7.000          1,773.66
    BRIDGEWATER      NJ   08807          1            08/20/02         00
    0414571794                           05           10/01/02          0
    0414571794                           O            09/01/32
    0

    7967655          E82/G02             F          140,500.00         ZZ
                                         360        140,500.00          1
                                       7.000            934.75         60
                                       6.750            934.75
    FRISCO           CO   80443          2            08/20/02         00
    0400652244                           01           10/01/02          0
    1647863                              N            09/01/32
    0

    7968871          L03/G02             F          194,800.00         ZZ
                                         360        194,636.34          1
                                       6.875          1,279.70         78
                                       6.625          1,279.70
    PHOENIX          AZ   85087          2            08/01/02         00
    0434466512                           05           09/01/02          0
    40006214                             O            08/01/32
    0
1

    7968953          Q87/G02             F           60,000.00         ZZ
                                         360         59,950.82          1
                                       7.000            399.18         80
                                       6.750            399.18
    SKIPPERVILLE     AL   36374          5            08/19/02         00
    0434467221                           05           09/23/02          0
    PALE04                               O            08/23/32
    0

    7968993          975/G02             F          488,000.00         ZZ
                                         360        488,000.00          1
                                       6.625          3,124.72         70
                                       6.375          3,124.72
    SAN MARINO       CA   91108          5            08/07/02         00
    0434527214                           05           10/01/02          0
    2022510                              O            09/01/32
    0

    7969209          738/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       7.875            986.10         80
                                       7.625            986.10
    MIAMI            FL   33133          1            08/09/02         00
    0434463394                           05           10/01/02          0
    40430948                             N            09/01/32
    0

    7969259          U05/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.875          2,233.56         80
                                       6.625          2,233.56
    MORGAN HILL      CA   95037          2            08/08/02         00
    0434458832                           05           10/01/02          0
    3243261                              O            09/01/32
    0

    7969607          U05/G02             F          184,000.00         ZZ
                                         360        183,856.47          1
                                       7.250          1,255.20         80
                                       7.000          1,255.20
    MONTGOMERY       TX   77356          5            07/26/02         00
    0434463006                           03           09/01/02          0
    3237321                              O            08/01/32
    0

    7969611          G51/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
1

                                       7.500            755.15         80
                                       7.250            755.15
    DENVER           CO   80204          1            08/16/02         00
    0434467395                           05           10/01/02          0
    58897866                             N            09/01/32
    0

    7969707          F89/G02             F          264,000.00         ZZ
                                         360        263,788.88          1
                                       7.125          1,778.62         80
                                       6.875          1,778.62
    LOS ANGELES      CA   90036          1            07/22/02         00
    0434433603                           01           09/01/02          0
    12921351                             O            08/01/32
    0

    7969739          253/253             F          577,500.00         ZZ
                                         360        577,500.00          1
                                       6.875          3,793.76         75
                                       6.625          3,793.76
    CORRALES         NM   87048          2            08/12/02         00
    1                                    05           10/01/02          0
    1                                    O            09/01/32
    0

    7969805          K88/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.500          2,654.69         58
                                       6.250          2,654.69
    WOODCLIFF LAKE   NJ   07675          1            08/15/02         00
    0434515235                           05           10/01/02          0
    29899                                O            09/01/32
    0

    7969875          W02/G02             F          123,500.00         ZZ
                                         360        123,396.24          1
                                       6.875            811.31         65
                                       6.625            811.31
    SANTEE           CA   92071          5            07/22/02         00
    0434534194                           01           09/01/02          0
    0591863                              N            08/01/32
    0

    7970123          A52/G02             F          123,920.00         ZZ
                                         360        123,825.71          1
                                       7.375            855.88         80
                                       7.125            855.88
    WOODSTOCK        GA   30189          1            07/31/02         00
    0434458931                           03           09/01/02          0
1

    19976                                O            08/01/32
    0

    7970129          W08/G02             F          135,900.00         ZZ
                                         360        135,900.00          1
                                       6.875            892.77         90
                                       6.625            892.77
    MIAMI            FL   33186          1            08/20/02         10
    0434464335                           09           10/01/02         25
    021185MG                             O            09/01/32
    0

    7970183          M82/G02             F          125,800.00         ZZ
                                         360        125,800.00          2
                                       7.500            879.62         82
                                       7.250            879.62
    BLAIRSVILLE      GA   30512          1            08/19/02         27
    0434504189                           05           10/01/02         20
    10346                                N            09/01/32
    0

    7971145          696/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       7.500            839.06         39
                                       7.250            839.06
    WASHINGTON       DC   20009          1            08/21/02         00
    0434452843                           01           10/01/02          0
    31202190                             N            09/01/32
    0

    7971691          L76/G02             F           93,000.00         ZZ
                                         360         93,000.00          1
                                       6.875            610.94         73
                                       6.625            610.94
    BYRON CENTER     MI   49315          5            08/21/02         00
    0434468690                           05           10/01/02          0
    991075                               O            09/01/32
    0

    7971743          E82/G02             F          121,500.00         ZZ
                                         360        121,500.00          1
                                       6.750            788.05         31
                                       6.500            788.05
    PRINCETON JCT    NJ   08550          5            08/16/02         00
    0400664579                           05           10/01/02          0
    0400664579                           O            09/01/32
    0

1

    7971759          E82/G02             F           97,400.00         ZZ
                                         360         97,400.00          1
                                       6.625            623.66         63
                                       6.375            623.66
    BOYNTON BEACH    FL   33437          2            08/16/02         00
    0400673083                           01           10/01/02          0
    1659268                              O            09/01/32
    0

    7972585          U05/G02             F          118,500.00         ZZ
                                         360        118,402.87          1
                                       7.000            788.38         80
                                       6.750            788.38
    AUSTELL          GA   30106          2            08/05/02         00
    0434466207                           05           09/01/02          0
    3250407                              N            08/01/32
    0

    7973291          G34/G02             F          327,900.00         ZZ
                                         360        327,900.00          2
                                       7.625          2,320.86         80
                                       7.375          2,320.86
    KEY WEST         FL   33040          5            08/15/02         00
    0434468666                           05           10/01/02          0
    2076202                              O            09/01/32
    0

    7973297          S07/G02             F          184,800.00         ZZ
                                         360        184,800.00          1
                                       7.000          1,229.48         80
                                       6.750          1,229.48
    COLORADO SPRING  CO   80906          1            08/05/02         00
    0434469094                           03           10/01/02          0
    87543201                             N            09/01/32
    0

    7974509          M11/G02             F           78,800.00         ZZ
                                         360         78,800.00          1
                                       7.750            564.54         80
                                       7.500            564.54
    SPRING           TX   77380          1            08/15/02         00
    0434501045                           03           10/01/02          0
    17927002                             O            09/01/32
    0

    7974601          W47/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.375          1,746.84         80
                                       6.125          1,746.84
1

    LINCOLNWOOD      IL   60712          1            08/05/02         00
    0434468385                           05           10/01/02          0
    02070000                             O            09/01/32
    0

    7974671          B44/G02             F           96,408.00         ZZ
                                         360         96,408.00          1
                                       6.500            609.36         80
                                       6.250            609.36
    BOISE            ID   83712          1            08/16/02         00
    0434469177                           05           10/01/02          0
    4021345                              O            09/01/32
    0

    7974931          A80/G02             F          121,600.00         ZZ
                                         360        121,600.00          1
                                       6.625            778.62         80
                                       6.375            778.62
    MIAMI            FL   33015          1            08/21/02         00
    0434468724                           03           10/01/02          0
    0254888                              O            09/01/32
    0

    7975559          E82/G02             F          223,000.00         ZZ
                                         360        223,000.00          1
                                       6.875          1,464.95         80
                                       6.625          1,464.95
    SPRING HILL      KS   66083          2            08/19/02         00
    0400665030                           05           10/01/02          0
    1992369                              O            09/01/32
    0

    7975569          E82/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.625            742.76         72
                                       6.375            742.76
    EAST WINDSOR     CT   06016          2            08/19/02         00
    0400673422                           05           10/01/02          0
    4147858                              O            09/01/32
    0

    7975731          X08/G02             F          354,700.00         ZZ
                                         360        354,700.00          1
                                       6.750          2,300.58         78
                                       6.500          2,300.58
    HIGHLAND         UT   84003          2            08/13/02         00
    0434468930                           05           10/01/02          0
    6010425                              O            09/01/32
    0
1

    7976583          W93/G02             F          113,600.00         ZZ
                                         360        113,600.00          1
                                       7.000            755.79         78
                                       6.750            755.79
    GLENDALE         AZ   85310          2            08/01/02         00
    0434467957                           05           10/01/02          0
    35394269                             O            09/01/32
    0

    7976673          W93/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.000            585.47         80
                                       6.750            585.47
    PHOENIX          AZ   85037          2            08/01/02         00
    0434468021                           05           10/01/02          0
    35394271                             O            09/01/32
    0

    7976695          W93/G02             F          126,400.00         ZZ
                                         360        126,400.00          1
                                       7.000            840.95         80
                                       6.750            840.95
    MESA             AZ   85205          2            08/01/02         00
    0434468047                           05           10/01/02          0
    35394162                             O            09/01/32
    0

    7976775          S11/G02             F          131,900.00         ZZ
                                         360        131,900.00          1
                                       6.375            822.88         80
                                       6.125            822.88
    RIVERSIDE        CA   92503          1            08/05/02         00
    0434498218                           05           10/01/02          0
    10208727                             O            09/01/32
    0

    7976991          742/G02             F           93,750.00         ZZ
                                         360         93,750.00          4
                                       7.250            639.54         75
                                       7.000            639.54
    NORTH TONAWANDA  NY   14120          1            08/16/02         00
    0434499174                           05           10/01/02          0
    5568571                              N            09/01/32
    0

    7978525          E22/G02             F          148,500.00         ZZ
                                         360        148,500.00          3
1

                                       7.500          1,038.33         90
                                       7.250          1,038.33
    BLUE SPRINGS     MO   64015          1            08/23/02         01
    0414656876                           05           10/01/02         25
    0414656876                           N            09/01/32
    0

    7978609          E22/G02             F          233,750.00         ZZ
                                         360        233,750.00          1
                                       7.250          1,594.59         88
                                       7.000          1,594.59
    CORAL SPRINGS    FL   33067          1            08/23/02         04
    0414749150                           03           10/01/02         25
    0414749150                           O            09/01/32
    0

    7978629          E22/G02             F           53,100.00         ZZ
                                         360         53,100.00          1
                                       7.625            375.84         89
                                       7.375            375.84
    PORT SAINT LUCI  FL   34983          1            08/23/02         01
    0414789941                           05           10/01/02         25
    0414789941                           N            09/01/32
    0

    7978767          E82/G02             F          196,000.00         ZZ
                                         360        196,000.00          1
                                       6.750          1,271.25         80
                                       6.500          1,271.25
    COLFAX           CA   95713          2            08/21/02         00
    0400670535                           05           10/01/02          0
    0400670535                           O            09/01/32
    0

    7979231          F28/G02             F          480,000.00         ZZ
                                         360        479,576.50          1
                                       6.625          3,073.49         80
                                       6.375          3,073.49
    HIGHLANDS RANCH  CO   80129          2            07/24/02         00
    0434480364                           03           09/01/02          0
    3218507                              O            08/01/32
    0

    7979669          A52/G02             F          246,000.00         ZZ
                                         360        246,000.00          1
                                       7.250          1,678.15         95
                                       7.000          1,678.15
    DACULA           GA   30019          1            08/15/02         11
    0434468823                           03           10/01/02         30
1

    20280                                O            09/01/32
    0

    7979859          E47/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.500          1,112.44         80
                                       6.250          1,112.44
    WESTMINSTER      CO   80031          5            08/07/02         00
    0434490231                           05           10/01/02          0
    7332020989                           O            09/01/32
    0

    7979945          896/G02             F          300,000.00         T
                                         360        299,777.36          1
                                       7.500          2,097.64         79
                                       7.250          2,097.64
    ORANGE BEACH     AL   36561          1            07/31/02         00
    0434488797                           01           09/01/02          0
    27916                                O            08/01/32
    0

    7980145          X31/G02             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       6.500          2,123.75         80
                                       6.250          2,123.75
    MISSION VIEJO    CA   92691          1            08/19/02         00
    0434548863                           05           10/01/02          0
    40103486                             O            09/01/32
    0

    7980541          W30/G02             F          240,000.00         ZZ
                                         360        240,000.00          4
                                       7.875          1,740.17         78
                                       7.625          1,740.17
    NORTH ATTLEBORO  MA   02760          1            08/23/02         00
    0434519401                           05           10/01/02          0
    88880501                             N            09/01/32
    0

    7980577          P21/G02             F           95,000.00         ZZ
                                         360         95,000.00          1
                                       7.625            672.40         95
                                       7.375            672.40
    LOS ANGELES      CA   90032          5            08/15/02         01
    0434499216                           01           10/01/02         25
    0206071                              O            09/01/32
    0

1

    7980713          E45/G02             F          410,000.00         ZZ
                                         360        410,000.00          1
                                       6.375          2,557.87         74
                                       6.125          2,557.87
    FAIRFAX STATION  VA   22039          2            08/09/02         00
    0434479101                           03           10/01/02          0
    259870                               O            09/01/32
    0

    7980905          E45/G02             F          124,800.00         ZZ
                                         360        124,800.00          1
                                       6.625            799.11         80
                                       6.375            799.11
    SOCIAL CIRCLE    GA   30025          2            08/07/02         00
    0434478913                           05           10/01/02          0
    267404                               O            09/01/32
    0

    7980933          806/G02             F          150,700.00         ZZ
                                         360        150,700.00          1
                                       7.125          1,015.30         80
                                       6.875          1,015.30
    N LAS VEGAS      NV   89032          1            08/06/02         00
    0434509790                           03           10/01/02          0
    1140009278                           O            09/01/32
    0

    7981215          E22/G02             F          122,500.00         ZZ
                                         360        122,500.00          3
                                       6.875            804.74         73
                                       6.625            804.74
    PROVIDENCE       RI   02908          2            08/20/02         00
    0414277558                           05           10/01/02          0
    0414277558                           O            09/01/32
    0

    7981221          E22/G02             F           67,400.00         ZZ
                                         360         67,400.00          1
                                       7.750            482.86         95
                                       7.500            482.86
    NILES            MI   49120          5            08/21/02         04
    0414333476                           05           10/01/02         30
    0414333476                           O            09/01/32
    0

    7981251          E22/G02             F           55,800.00         ZZ
                                         360         55,800.00          1
                                       7.000            371.24         90
                                       6.750            371.24
1

    FT PIERCE        FL   34950          2            08/21/02         04
    0414436519                           09           10/01/02         25
    0414436519                           O            09/01/32
    0

    7981261          E22/G02             F          328,000.00         ZZ
                                         360        328,000.00          1
                                       6.750          2,127.40         80
                                       6.500          2,127.40
    ESTES PARK       CO   80517          5            08/21/02         00
    0414473694                           05           10/01/02          0
    0414473694                           O            09/01/32
    0

    7981275          E22/G02             F          103,660.00         ZZ
                                         360        103,660.00          1
                                       6.375            646.70         89
                                       6.125            646.70
    ARNOLD           MO   63010          5            08/21/02         04
    0414497636                           05           10/01/02         25
    0414497636                           O            09/01/32
    0

    7981281          E22/G02             F          199,960.00         ZZ
                                         360        199,960.00          1
                                       6.500          1,263.88         80
                                       6.250          1,263.88
    OLYMPIA          WA   98501          1            08/20/02         00
    0414512087                           05           10/01/02          0
    0414512087                           O            09/01/32
    0

    7981359          E22/G02             F          100,800.00         ZZ
                                         360        100,800.00          1
                                       6.750            653.79         90
                                       6.500            653.79
    ARNOLD           NE   69120          1            08/26/02         01
    0414598441                           05           10/01/02         25
    0414598441                           O            09/01/32
    0

    7981449          E22/G02             F           84,000.00         ZZ
                                         240         84,000.00          1
                                       6.875            644.96         65
                                       6.625            644.96
    ELKRIDGE         MD   21075          5            08/21/02         00
    0414666834                           01           10/01/02          0
    0414666834                           O            09/01/22
    0
1

    7981457          E22/G02             F           70,200.00         ZZ
                                         360         70,200.00          1
                                       6.875            461.16         90
                                       6.625            461.16
    FOREST PARK      GA   30297          1            08/26/02         01
    0414673632                           05           10/01/02         25
    0414673632                           N            09/01/32
    0

    7981461          E22/G02             F           48,150.00         ZZ
                                         360         48,150.00          1
                                       7.500            336.67         90
                                       7.250            336.67
    INDEPENDENCE     MO   64053          1            08/26/02         01
    0414676866                           05           10/01/02         25
    0414676866                           N            09/01/32
    0

    7981471          E22/G02             F          317,000.00         ZZ
                                         360        317,000.00          1
                                       6.625          2,029.79         84
                                       6.375          2,029.79
    ANTIOCH          CA   94509          5            08/15/02         04
    0414690339                           05           10/01/02         12
    0414690339                           O            09/01/32
    0

    7981479          E22/G02             F           82,000.00         ZZ
                                         360         82,000.00          1
                                       7.250            559.38         63
                                       7.000            559.38
    PORT CHARLOTTE   FL   33981          5            08/20/02         00
    0414698084                           05           10/01/02          0
    0414698084                           O            09/01/32
    0

    7981481          E22/G02             F           56,000.00         ZZ
                                         360         56,000.00          1
                                       6.750            363.21         78
                                       6.500            363.21
    PASCAGOULA       MS   39581          2            08/20/02         00
    0414698134                           05           10/01/02          0
    0414698134                           O            09/01/32
    0

    7981503          E22/G02             F          122,550.00         ZZ
                                         360        122,550.00          1
1

                                       6.750            794.86         95
                                       6.500            794.86
    SEVIERVILLE      TN   37876          1            08/26/02         01
    0414708446                           05           10/01/02         35
    0414708446                           O            09/01/32
    0

    7981531          E22/G02             F          103,500.00         ZZ
                                         360        103,500.00          1
                                       6.375            645.71         90
                                       6.125            645.71
    MOLINE           IL   61265          5            08/20/02         11
    0414729020                           05           10/01/02         25
    0414729020                           O            09/01/32
    0

    7981685          E82/G02             F           71,200.00         ZZ
                                         360         71,200.00          2
                                       7.500            497.84         80
                                       7.250            497.84
    BROOKLYN HEIGHT  OH   44109          1            08/28/02         00
    0400643472                           05           10/01/02          0
    3226996                              N            09/01/32
    0

    7981873          E45/G02             F          560,000.00         ZZ
                                         360        560,000.00          1
                                       6.625          3,585.74         80
                                       6.375          3,585.74
    YORBA LINDA      CA   92886          5            08/01/02         00
    0434479168                           05           10/01/02          0
    263505                               O            09/01/32
    0

    7981971          E22/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       7.000          2,000.56         61
                                       6.750          2,000.56
    HAYWARD          CA   94544          5            08/09/02         00
    0414466789                           05           10/01/02          0
    0414466789                           O            09/01/32
    0

    7981993          E22/G02             F           74,800.00         ZZ
                                         360         74,800.00          1
                                       7.000            497.65         80
                                       6.750            497.65
    KANNAPOLIS       NC   28083          5            08/16/02         00
    0414524140                           05           10/01/02          0
1

    0414524140                           O            09/01/32
    0

    7982017          E22/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.750          1,816.07         80
                                       6.500          1,816.07
    SOUTH WEBER      UT   84405          5            08/15/02         00
    0414550855                           05           10/01/02          0
    0414550855                           O            09/01/32
    0

    7982133          E22/G02             F           86,450.00         ZZ
                                         360         86,450.00          1
                                       7.625            611.89         95
                                       7.375            611.89
    ARNOLD           MO   63010          1            08/21/02         04
    0414644971                           05           10/01/02         35
    0414644971                           O            09/01/32
    0

    7982277          E22/G02             F           54,123.00         ZZ
                                         360         54,123.00          1
                                       7.500            378.44         80
                                       7.250            378.44
    HIALEAH          FL   33012          1            08/21/02         00
    0414378414                           01           10/01/02          0
    0414378414                           N            09/01/32
    0

    7982375          E22/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.875          1,182.47         80
                                       6.625          1,182.47
    CARLSBAD         CA   92009          1            08/18/02         00
    0414653261                           01           10/01/02          0
    0414653261                           O            09/01/32
    0

    7982391          E22/G02             F           38,000.00         ZZ
                                         360         38,000.00          1
                                       7.500            265.70         80
                                       7.250            265.70
    MEXICO           MO   65265          1            08/22/02         00
    0414680926                           05           10/01/02          0
    0414680926                           O            09/01/32
    0

1

    7982415          E22/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       7.375            414.41         80
                                       7.125            414.41
    NEWPORT NEWS     VA   23607          1            08/21/02         00
    0414714956                           05           10/01/02          0
    0414714956                           N            09/01/32
    0

    7983097          W68/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       7.500          1,118.74         80
                                       7.250          1,118.74
    AUSTIN           TX   78745          5            08/12/02         00
    0434519963                           05           10/01/02          0
    27888                                O            09/01/32
    0

    7983255          369/G02             F          432,000.00         ZZ
                                         360        432,000.00          1
                                       7.500          3,020.61         80
                                       7.250          3,020.61
    FAIR OAKS RANCH  TX   78015          1            08/02/02         00
    0434482956                           05           10/01/02          0
    22976533                             O            09/01/32
    0

    7983291          477/G02             F          107,050.00         ZZ
                                         360        107,050.00          1
                                       7.000            712.21         80
                                       6.750            712.21
    PHOENIX          AZ   85082          1            08/08/02         00
    0434496725                           05           10/01/02          0
    237986                               O            09/01/32
    0

    7983425          967/G02             F          203,000.00         ZZ
                                         360        203,000.00          1
                                       7.000          1,350.56         87
                                       6.750          1,350.56
    SUN VALLEY       ID   83353          1            08/16/02         04
    0434499133                           01           10/01/02         25
    5591185                              O            09/01/32
    0

    7983493          944/G02             F          107,000.00         ZZ
                                         360        107,000.00          1
                                       6.500            676.32         57
                                       6.250            676.32
1

    RANCHO CUCAMONG  CA   91701          1            08/19/02         00
    0434470373                           05           10/01/02          0
    W02025762                            O            09/01/32
    0

    7983775          738/G02             F           75,000.00         ZZ
                                         360         75,000.00          1
                                       7.000            498.98         49
                                       6.750            498.98
    VIRGINIA BEACH   VA   23464          5            08/16/02         00
    0434471553                           05           10/01/02          0
    40540948                             O            09/01/32
    0

    7984151          Q14/G02             F          100,000.00         ZZ
                                         240        100,000.00          1
                                       6.375            738.23         76
                                       6.125            738.23
    LEES SUMMIT      MO   64081          5            08/14/02         00
    0434478483                           05           10/01/02          0
    0208054                              O            09/01/22
    0

    7984155          950/G02             F          181,700.00         ZZ
                                         360        181,700.00          1
                                       7.000          1,208.85         79
                                       6.750          1,208.85
    KENMORE          WA   98028          2            08/14/02         00
    0434493227                           05           10/01/02          0
    EW207187                             N            09/01/32
    0

    7984181          742/G02             F          120,450.00         ZZ
                                         360        120,450.00          1
                                       6.875            791.27         90
                                       6.625            791.27
    SPARKS           NV   89436          1            08/19/02         11
    0434505780                           05           10/01/02         25
    5606819                              N            09/01/32
    0

    7984373          S27/G02             F           50,250.00         ZZ
                                         360         50,250.00          1
                                       7.250            342.80         56
                                       7.000            342.80
    CAPE CORAL       FL   33909          5            08/21/02         00
    0434505731                           05           10/01/02          0
    1190000430                           N            09/01/32
    0
1

    7984405          W40/G02             F           53,200.00         ZZ
                                         360         53,200.00          1
                                       7.625            376.55         80
                                       7.375            376.55
    PHOENIX          AZ   85014          1            08/21/02         00
    0434524161                           01           10/01/02          0
    100010199                            N            09/01/32
    0

    7984469          W17/G02             F          103,500.00         ZZ
                                         360        103,500.00          1
                                       7.750            741.49         90
                                       7.500            741.49
    MARGATE          FL   33063          1            08/22/02         02
    0434509220                           09           10/01/02         30
    020134                               O            09/01/32
    0

    7984481          E47/G02             F          245,000.00         ZZ
                                         360        245,000.00          1
                                       6.625          1,568.76         65
                                       6.375          1,568.76
    SAN JOSE         CA   95110          5            08/12/02         00
    0434493391                           05           10/01/02          0
    7359511404                           O            09/01/32
    0

    7984497          X72/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       7.125            673.72         80
                                       6.875            673.72
    FORT COLLINS     CO   80525          1            08/20/02         00
    0434495610                           01           10/01/02          0
    11001027                             N            09/01/32
    0

    7984523          477/G02             F          210,000.00         ZZ
                                         360        210,000.00          1
                                       6.625          1,344.65         56
                                       6.375          1,344.65
    CHINO            CA   91710          1            08/14/02         00
    0434496535                           05           10/01/02          0
    205144                               O            09/01/32
    0

    7984583          W93/G02             F          161,800.00         ZZ
                                         360        161,800.00          1
1

                                       6.875          1,062.91         80
                                       6.625          1,062.91
    MERIDIAN         ID   83642          1            08/12/02         00
    0434478640                           03           10/01/02          0
    60400287                             O            09/01/32
    0

    7984829          U42/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.875          1,313.86         80
                                       6.625          1,313.86
    AUSTIN           TX   78748          5            08/22/02         00
    0434493144                           03           10/01/02          0
    10201283                             O            09/01/32
    0

    7985323          E82/G02             F          115,500.00         ZZ
                                         360        115,500.00          4
                                       7.000            768.42         73
                                       6.750            768.42
    LAKE WORTH       FL   33460          2            08/28/02         00
    0400654810                           05           10/01/02          0
    5363189                              N            09/01/32
    0

    7985451          E22/G02             F          138,600.00         ZZ
                                         360        138,600.00          4
                                       7.250            945.50         90
                                       7.000            945.50
    ALBUQUERQUE      NM   87123          1            08/27/02         04
    0414086280                           05           10/01/02         25
    0414086280                           N            09/01/32
    0

    7985461          E22/G02             F          105,000.00         T
                                         360        105,000.00          1
                                       6.875            689.78         76
                                       6.625            689.78
    MALTA            ID   83342          5            08/16/02         00
    0414340125                           05           10/01/02          0
    0414340125                           O            09/01/32
    0

    7985509          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       6.875            472.99         80
                                       6.625            472.99
    OKLAHOMA CITY    OK   73159          5            08/22/02         00
    0414512947                           05           10/01/02          0
1

    0414512947                           O            09/01/32
    0

    7985541          E22/G02             F          264,000.00         ZZ
                                         360        264,000.00          1
                                       6.750          1,712.30         80
                                       6.500          1,712.30
    MARLBOROUGH      MA   01752          5            08/20/02         00
    0414573055                           05           10/01/02          0
    0414573055                           O            09/01/32
    0

    7985607          E22/G02             F          227,000.00         ZZ
                                         360        227,000.00          1
                                       6.500          1,434.79         47
                                       6.250          1,434.79
    SAN FRANCISCO    CA   94134          5            08/09/02         00
    0414657833                           07           10/01/02          0
    0414657833                           O            09/01/32
    0

    7985695          E22/G02             F           71,100.00         ZZ
                                         360         71,100.00          2
                                       7.875            515.52         90
                                       7.625            515.52
    PLYMOUTH         VT   05056          1            08/27/02         04
    0414765412                           05           10/01/02         25
    0414765412                           N            09/01/32
    0

    7985697          E22/G02             F          300,700.00         ZZ
                                         360        300,700.00          2
                                       7.250          2,051.30         39
                                       7.000          2,051.30
    PALISADES PARK   NJ   07022          2            08/27/02         00
    0414770115                           05           10/01/02          0
    0414770115                           N            09/01/32
    0

    7985713          E22/G02             F          337,500.00         ZZ
                                         360        337,500.00          1
                                       6.875          2,217.13         90
                                       6.625          2,217.13
    TROY             MI   48098          1            08/27/02         11
    0414838441                           05           10/01/02         25
    0414838441                           O            09/01/32
    0

1

    7986021          N74/G02             F           60,000.00         ZZ
                                         240         59,881.28          1
                                       6.750            456.22         62
                                       6.500            456.22
    ASHEVILLE        NC   28806          5            08/23/02         00
    0434513305                           05           09/28/02          0
    0030607010                           O            08/28/22
    0

    7986287          N74/G02             F           99,000.00         ZZ
                                         240         99,000.00          1
                                       6.625            745.42         90
                                       6.375            745.42
    REIDSVILLE       NC   27320          5            08/22/02         10
    0434505905                           05           10/01/02         25
    0030617010                           O            09/01/22
    0

    7986297          F25/G02             F          391,600.00         ZZ
                                         360        391,600.00          1
                                       7.500          2,738.12         80
                                       7.250          2,738.12
    BREWSTER         NY   10509          1            08/28/02         00
    0434498846                           05           10/01/02          0
    597283                               O            09/01/32
    0

    7986425          N74/G02             F          135,200.00         ZZ
                                         360        135,200.00          1
                                       6.500            854.56         80
                                       6.250            854.56
    HIGH POINT       NC   27265          2            08/23/02         00
    0434505996                           05           10/01/02          0
    0030625011                           O            09/01/32
    0

    7986455          737/G02             F           85,500.00         ZZ
                                         360         85,500.00          4
                                       7.875            619.93         95
                                       7.625            619.93
    EL PASO          TX   79901          1            08/12/02         12
    0434509733                           05           10/01/02         30
    2078039                              O            09/01/32
    0

    7986475          G51/G02             F          324,177.00         ZZ
                                         360        324,177.00          1
                                       6.625          2,075.75         85
                                       6.375          2,075.75
1

    CASTLE ROCK      CO   80109          2            08/26/02         11
    0434496584                           03           10/01/02         25
    161181                               O            09/01/32
    0

    7986541          Q51/G02             F          440,000.00         ZZ
                                         360        440,000.00          2
                                       7.500          3,076.54         75
                                       7.250          3,076.54
    WEST HOLLYWOOD   CA   90069          5            08/15/02         00
    0434499117                           05           10/01/02          0
    0599968R20801A2                      O            09/01/32
    0

    7986601          M29/G02             F          485,000.00         ZZ
                                         360        485,000.00          1
                                       6.625          3,105.51         79
                                       6.375          3,105.51
    LITTLETON        CO   80122          2            08/19/02         00
    0434532628                           03           10/01/02          0
    0207340CB                            O            09/01/32
    0

    7986729          975/G02             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       6.750          2,231.18         80
                                       6.500          2,231.18
    TORRANCE         CA   90503          1            08/16/02         00
    0434492583                           01           10/01/02          0
    2023072                              O            09/01/32
    0

    7986859          U28/G02             F          111,600.00         ZZ
                                         360        111,600.00          4
                                       7.625            789.90         80
                                       7.375            789.90
    DURHAM           NC   27707          1            08/23/02         00
    0434493086                           05           10/01/02          0
    2000003795                           N            09/01/32
    0

    7987051          E11/G02             F          484,000.00         ZZ
                                         360        484,000.00          1
                                       6.625          3,099.11         80
                                       6.375          3,099.11
    APPLE VALLEY     MN   55124          5            08/15/02         00
    0434538153                           05           10/01/02          0
    0004001046296                        O            09/01/32
    0
1

    7987541          E22/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
                                       6.625          1,306.23         80
                                       6.375          1,306.23
    PROVIDENCE       RI   02903          5            08/23/02         00
    0414314823                           01           10/01/02          0
    0414314823                           O            09/01/32
    0

    7987565          E22/G02             F          248,000.00         ZZ
                                         360        248,000.00          1
                                       7.125          1,670.82         80
                                       6.875          1,670.82
    SAN DIEGO        CA   92126          5            08/22/02         00
    0414477042                           05           10/01/02          0
    0414477042                           O            09/01/32
    0

    7987631          E22/G02             F          143,500.00         ZZ
                                         360        143,500.00          1
                                       6.625            918.85         74
                                       6.375            918.85
    WHITTIER AREA    CA   90605          5            08/14/02         00
    0414571463                           05           10/01/02          0
    0414571463                           N            09/01/32
    0

    7987637          E22/G02             F          117,900.00         ZZ
                                         360        117,900.00          1
                                       7.750            844.65         90
                                       7.500            844.65
    DENNIS           MA   02660          5            08/23/02         01
    0414573147                           01           10/01/02         25
    0414573147                           O            09/01/32
    0

    7987743          E22/G02             F           47,610.00         ZZ
                                         360         47,610.00          1
                                       7.375            328.83         90
                                       7.125            328.83
    BIRMINGHAM       AL   35206          1            08/28/02         01
    0414649319                           05           10/01/02         25
    0414649319                           N            09/01/32
    0

    7987757          E22/G02             F          562,500.00         ZZ
                                         360        562,500.00          1
1

                                       7.375          3,885.05         75
                                       7.125          3,885.05
    SPRING           TX   77380          5            08/23/02         00
    0414655555                           03           10/01/02          0
    0414655555                           O            09/01/32
    0

    7987793          E22/G02             F          121,600.00         ZZ
                                         360        121,600.00          1
                                       6.750            788.70         80
                                       6.500            788.70
    SPRING           TX   77380          5            08/23/02         00
    0414675710                           03           10/01/02          0
    0414675710                           O            09/01/32
    0

    7987797          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.500            615.31         78
                                       7.250            615.31
    WASHINGTON       DC   20019          5            08/23/02         00
    0414683748                           07           10/01/02          0
    0414683748                           O            09/01/32
    0

    7987801          E22/G02             F           78,750.00         ZZ
                                         360         78,750.00          1
                                       7.625            557.39         92
                                       7.375            557.39
    KENNER           LA   70065          1            08/28/02         01
    0414685966                           05           10/01/02         30
    0414685966                           O            09/01/32
    0

    7987817          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          1
                                       7.750          1,225.06         95
                                       7.500          1,225.06
    NEW MARKET       AL   35761          5            08/23/02         01
    0414695007                           05           10/01/02         30
    0414695007                           O            09/01/32
    0

    7987855          E22/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       7.500            811.09         80
                                       7.250            811.09
    BOCA RATON       FL   33428          1            08/27/02         00
    0414743252                           03           10/01/02          0
1

    0414743252                           N            09/01/32
    0

    7987889          E22/G02             F          195,650.00         ZZ
                                         360        195,650.00          1
                                       7.125          1,318.13         65
                                       6.875          1,318.13
    MANSFIELD        MA   02048          5            08/23/02         00
    0414780536                           05           10/01/02          0
    0414780536                           O            09/01/32
    0

    7987907          E22/G02             F          456,000.00         ZZ
                                         360        456,000.00          1
                                       6.250          2,807.67         80
                                       6.000          2,807.67
    HAYWARD          CA   94544          5            08/16/02         00
    0414799205                           03           10/01/02          0
    0414799205                           O            09/01/32
    0

    7988223          E82/G02             F          222,000.00         ZZ
                                         360        222,000.00          1
                                       7.250          1,514.43         70
                                       7.000          1,514.43
    LONG BEACH       CA   90815          5            08/26/02         00
    0400678405                           05           10/01/02          0
    0400678405                           O            09/01/32
    0

    7988225          E82/G02             F           71,400.00         ZZ
                                         360         71,400.00          1
                                       7.625            505.36         85
                                       7.375            505.36
    GRETNA           LA   70053          5            08/23/02         10
    0400661195                           05           10/01/02         12
    0400661195                           O            09/01/32
    0

    7988231          E82/G02             F          293,300.00         ZZ
                                         360        293,300.00          1
                                       6.875          1,926.77         80
                                       6.625          1,926.77
    SIMI   VALLEY    CA   93065          2            08/22/02         00
    0400671350                           03           10/01/02          0
    4851325                              O            09/01/32
    0

1

    7988307          E82/G02             F          128,600.00         ZZ
                                         360        128,600.00          1
                                       6.500            812.84         60
                                       6.250            812.84
    CENTREVILLE      VA   20121          2            08/26/02         00
    0400672978                           09           10/01/02          0
    0400672978                           O            09/01/32
    0

    7988317          E82/G02             F          159,300.00         ZZ
                                         360        159,300.00          1
                                       6.625          1,020.02         62
                                       6.375          1,020.02
    NORTH KINGSTOWN  RI   02852          2            08/26/02         00
    0400673141                           05           10/01/02          0
    1988428                              O            09/01/32
    0

    7988377          E82/G02             F          189,500.00         ZZ
                                         360        189,500.00          1
                                       6.375          1,182.23         56
                                       6.125          1,182.23
    HUNTINGTON BEAC  CA   92649          2            08/23/02         00
    0400667333                           05           10/01/02          0
    1709929                              O            09/01/32
    0

    7988381          E82/G02             F          194,400.00         ZZ
                                         360        194,400.00          1
                                       6.875          1,277.07         55
                                       6.625          1,277.07
    ROSLYN HEIGHTS   NY   11577          2            08/26/02         00
    0400660999                           05           10/01/02          0
    1654741                              O            09/01/32
    0

    7988397          E82/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.750            583.74         45
                                       6.500            583.74
    ALEXANDRIA       VA   22301          5            08/26/02         00
    0400679007                           05           10/01/02          0
    0400679007                           O            09/01/32
    0

    7988419          E82/G02             F          452,800.00         ZZ
                                         360        452,800.00          1
                                       6.875          2,974.57         80
                                       6.625          2,974.57
1

    EDEN PRAIRIE     MN   55347          5            08/23/02         00
    0400671046                           05           10/01/02          0
    0400671046                           O            09/01/32
    0

    7988575          F60/G02             F          165,900.00         ZZ
                                         360        165,900.00          4
                                       7.250          1,131.73         79
                                       7.000          1,131.73
    JEFFERSON        LA   70121          2            08/20/02         00
    0434498457                           05           10/01/02          0
    ROBBINS447374                        N            09/01/32
    0

    7988621          U42/G02             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       6.625          2,151.44         80
                                       6.375          2,151.44
    GEORGETOWN       TX   78628          5            08/21/02         00
    0434495412                           05           10/01/02          0
    10201317                             O            09/01/32
    0

    7989051          998/998             F          324,500.00         ZZ
                                         360        324,089.61          1
                                       7.125          2,186.22         80
                                       6.875          2,186.22
    MANORVILLE       NY   11949          1            07/31/02         00
    2814125                              05           09/01/02          0
    2814125                              O            08/01/32
    0

    7989053          998/998             F          315,000.00         ZZ
                                         360        313,203.07          1
                                       6.500          1,991.02         63
                                       6.250          1,991.02
    ZIONSVILLE       PA   18092          2            06/21/02         00
    5164949                              05           08/01/02          0
    5164949                              O            07/01/32
    0

    7989615          998/998             F          382,500.00         ZZ
                                         360        382,208.94          4
                                       7.375          2,641.84         90
                                       7.125          2,641.84
    BROOKLYN         NY   11237          1            07/11/02         12
    4900030                              05           09/01/02         25
    4900030                              O            08/01/32
    0
1

    7989617          998/998             F          150,000.00         ZZ
                                         360        149,885.86          1
                                       7.375          1,036.01         32
                                       7.125          1,036.01
    FRANKFORT        IL   60423          5            07/24/02         00
    5007697                              05           09/01/02          0
    5007697                              O            08/01/32
    0

    7989619          998/998             F          212,000.00         ZZ
                                         360        211,826.22          1
                                       7.000          1,410.45         80
                                       6.750          1,410.45
    HOLLIS           NY   11423          5            07/31/02         00
    5015127                              05           09/01/02          0
    5015127                              O            08/01/32
    0

    7989621          998/998             F          365,700.00         ZZ
                                         360        365,421.73          1
                                       7.375          2,525.80         77
                                       7.125          2,525.80
    SHOREHAM         NY   11786          5            07/23/02         00
    5015932                              05           09/01/02          0
    5015932                              O            08/01/32
    0

    7989623          998/998             F          359,910.00         T
                                         360        359,642.90          1
                                       7.500          2,516.54         90
                                       7.250          2,516.54
    AUSTIN           TX   78732          1            07/15/02         10
    5022240                              05           09/01/02         25
    5022240                              O            08/01/32
    0

    7989625          998/998             F          534,000.00         ZZ
                                         360        533,593.66          1
                                       7.375          3,688.21         60
                                       7.125          3,688.21
    HOLLAND          MI   49424          2            07/12/02         00
    5029847                              05           09/01/02          0
    5029847                              O            08/01/32
    0

    7989627          998/998             F          346,500.00         ZZ
                                         360        346,242.85          3
1

                                       7.500          2,422.78         90
                                       7.250          2,422.78
    BROOKLYN         NY   11206          1            07/15/02         12
    5100273                              05           09/01/02         25
    5100273                              O            08/01/32
    0

    7989629          998/998             F          420,000.00         ZZ
                                         360        419,647.14          1
                                       6.875          2,759.11         80
                                       6.625          2,759.11
    KIEL             WI   53042          2            07/15/02         00
    5111038                              05           09/01/02          0
    5111038                              O            08/01/32
    0

    7989631          998/998             F          153,000.00         ZZ
                                         360        152,886.45          4
                                       7.500          1,069.80         83
                                       7.250          1,069.80
    PHILADELPHIA     PA   19146          1            07/26/02         11
    5176697                              05           09/01/02         25
    5176697                              N            08/01/32
    0

    7989635          883/G02             F          180,500.00         ZZ
                                         360        180,500.00          1
                                       6.750          1,170.72         72
                                       6.500          1,170.72
    CAPE CORAL       FL   33990          2            08/22/02         00
    0434492716                           05           10/01/02          0
    05013501                             O            09/01/32
    0

    7989739          W40/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       7.375            939.32         85
                                       7.125            939.32
    WASHINGTON       MI   48094          5            08/19/02         01
    0434501607                           05           10/01/02         12
    1017234175                           O            09/01/32
    0

    7990491          W39/G02             F           91,920.00         ZZ
                                         360         91,920.00          1
                                       7.125            619.29         80
                                       6.875            619.29
    THE COLONY       TX   75056          1            08/20/02         00
    0434497467                           05           10/01/02          0
1

    PN121541                             O            09/01/32
    0

    7990587          K79/G02             F          227,250.00         ZZ
                                         360        227,250.00          4
                                       7.750          1,628.05         90
                                       7.500          1,628.05
    LAWRENCE         MA   01843          1            08/28/02         01
    0434494522                           05           10/01/02         25
    15097KEEFE                           N            09/01/32
    0

    7991065          975/G02             F          396,000.00         ZZ
                                         360        396,000.00          1
                                       6.625          2,535.63         80
                                       6.375          2,535.63
    TORRANCE         CA   90503          1            08/21/02         00
    0434502761                           01           10/01/02          0
    2023123                              O            09/01/32
    0

    7991451          E23/G02             F          354,000.00         ZZ
                                         360        354,000.00          1
                                       6.750          2,296.04         77
                                       6.500          2,296.04
    SALINAS          CA   93907          5            08/19/02         00
    0434497749                           05           10/01/02          0
    11012894                             O            09/01/32
    0

    7991749          X51/G02             F          220,000.00         ZZ
                                         240        220,000.00          1
                                       6.375          1,624.11         80
                                       6.125          1,624.11
    BOCA RATON       FL   33486          5            08/18/02         00
    0434499893                           05           10/01/02          0
    R2053356                             O            09/01/22
    0

    7992171          X51/G02             F          289,000.00         ZZ
                                         360        289,000.00          1
                                       6.750          1,874.45         85
                                       6.500          1,874.45
    DENVER           CO   80211          5            08/15/02         10
    0434501961                           05           10/01/02         12
    R2053579                             O            09/01/32
    0

1

    7992371          W39/G02             F           83,830.00         ZZ
                                         360         83,830.00          1
                                       7.000            557.72         84
                                       6.750            557.72
    MADISONVILLE     LA   70447          2            08/19/02         01
    0434493961                           05           10/01/02         12
    MH020748                             O            09/01/32
    0

    7992417          N74/G02             F           75,500.00         ZZ
                                         240         75,500.00          1
                                       6.875            579.70         63
                                       6.625            579.70
    HUGHES SPRINGS   TX   75656          5            08/22/02         00
    0434545653                           05           10/01/02          0
    5572339                              O            09/01/22
    0

    7992421          N74/G02             F           31,000.00         ZZ
                                         360         30,975.82          1
                                       7.250            211.47         69
                                       7.000            211.47
    MARTINSVILLE     VA   24112          1            08/26/02         00
    0434524039                           27           09/26/02          0
    5347942                              O            08/26/32
    0

    7993161          E22/G02             F           86,275.00         ZZ
                                         360         86,275.00          1
                                       7.250            588.55         72
                                       7.000            588.55
    LAKE WORTH       FL   33467          2            08/29/02         00
    0414306274                           03           10/01/02          0
    0414306274                           N            09/01/32
    0

    7993173          E22/G02             F          313,000.00         ZZ
                                         360        313,000.00          1
                                       7.500          2,188.54         95
                                       7.250          2,188.54
    VIENNA           VA   22180          1            08/27/02         01
    0414423970                           05           10/01/02         35
    0414423970                           O            09/01/32
    0

    7993193          E22/G02             F          182,300.00         T
                                         360        182,300.00          1
                                       6.750          1,182.39         90
                                       6.500          1,182.39
1

    CHICAGO          IL   60608          1            08/29/02         01
    0414512103                           08           10/01/02         25
    0414512103                           O            09/01/32
    0

    7993263          E22/G02             F          140,310.00         ZZ
                                         360        140,310.00          1
                                       6.875            921.74         90
                                       6.625            921.74
    WELLINGTON       FL   33414          1            08/29/02         04
    0414645507                           03           10/01/02         30
    0414645507                           O            09/01/32
    0

    7993295          E22/G02             F          117,000.00         ZZ
                                         360        117,000.00          1
                                       6.500            739.52         90
                                       6.250            739.52
    PEMBROKE PINES   FL   33026          5            08/19/02         04
    0414673392                           09           10/01/02         25
    0414673392                           O            09/01/32
    0

    7993305          E22/G02             F          192,000.00         ZZ
                                         360        192,000.00          2
                                       7.000          1,277.38         80
                                       6.750          1,277.38
    LONGMONT         CO   80501          1            08/29/02         00
    0414681502                           05           10/01/02          0
    0414681502                           N            09/01/32
    0

    7993313          E22/G02             F          161,600.00         ZZ
                                         360        161,600.00          1
                                       6.750          1,048.13         80
                                       6.500          1,048.13
    CALEDONIA        MI   49316          1            08/29/02         00
    0414697128                           29           10/01/02          0
    0414697128                           O            09/01/32
    0

    7993325          E22/G02             F           52,900.00         ZZ
                                         360         52,900.00          1
                                       7.375            365.37         84
                                       7.125            365.37
    SAINT PETERSBUR  FL   33714          2            08/29/02         04
    0414710350                           05           10/01/02         20
    0414710350                           N            09/01/32
    0
1

    7993351          E22/G02             F          388,000.00         ZZ
                                         360        388,000.00          1
                                       6.750          2,516.56         80
                                       6.500          2,516.56
    CAMARILLO        CA   93010          1            08/22/02         00
    0414741520                           29           10/01/02          0
    0414741520                           O            09/01/32
    0

    7993365          E22/G02             F          162,000.00         ZZ
                                         360        162,000.00          1
                                       6.750          1,050.73         70
                                       6.500          1,050.73
    MARIETTA         GA   30066          2            08/22/02         00
    0414751982                           03           10/01/02          0
    0414751982                           O            09/01/32
    0

    7993371          E22/G02             F          163,000.00         ZZ
                                         360        163,000.00          2
                                       6.875          1,070.79         80
                                       6.625          1,070.79
    OLATHE           KS   66062          2            08/29/02         00
    0414755983                           05           10/01/02          0
    0414755983                           N            09/01/32
    0

    7993395          E22/G02             F           66,000.00         ZZ
                                         360         66,000.00          1
                                       7.750            472.83         74
                                       7.500            472.83
    SOUTH BEND       IN   46635          2            08/29/02         00
    0414789180                           05           10/01/02          0
    0414789180                           N            09/01/32
    0

    7993535          S11/G02             F          204,000.00         ZZ
                                         360        204,000.00          3
                                       7.375          1,408.98         80
                                       7.125          1,408.98
    LONG BEACH       CA   90805          1            08/21/02         00
    0434493920                           05           10/01/02          0
    10320281                             N            09/01/32
    0

    7993575          P09/G02             F          153,500.00         ZZ
                                         360        153,500.00          1
1

                                       6.750            995.60         86
                                       6.500            995.60
    WOODBRIDGE       VA   22193          2            08/26/02         10
    0434496303                           05           10/01/02         25
    R0207738                             O            09/01/32
    0

    7993617          G34/G02             F          195,900.00         ZZ
                                         360        195,900.00          1
                                       6.625          1,254.37         74
                                       6.375          1,254.37
    ELK GROVE        CA   95758          1            08/09/02         00
    0434499786                           05           10/01/02          0
    48200336                             O            09/01/32
    0

    7993661          420/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.750          1,426.92         66
                                       6.500          1,426.92
    SANTA ROSA       CA   95401          5            08/14/02         00
    0434490884                           05           10/01/02          0
    72002692                             O            09/01/32
    0

    7993691          K15/G02             F          129,600.00         ZZ
                                         360        129,600.00          1
                                       7.625            917.30         90
                                       7.375            917.30
    EAGLE POINT      OR   97524          5            08/21/02         11
    0434499232                           05           10/01/02         25
    207205502306                         O            09/01/32
    0

    7993731          K15/G02             F          191,000.00         ZZ
                                         360        191,000.00          1
                                       6.500          1,207.25         85
                                       6.250          1,207.25
    BRENTWOOD        NY   11717          5            08/22/02         11
    0434499356                           05           10/01/02         12
    020605300011                         O            09/01/32
    0

    7993747          E57/G02             F          160,500.00         ZZ
                                         360        160,500.00          1
                                       6.625          1,027.70         69
                                       6.375          1,027.70
    HELENDALE AREA   CA   92342          2            08/15/02         00
    0434514428                           03           10/01/02          0
1

    06009025                             O            09/01/32
    0

    7993751          K15/G02             F          156,000.00         ZZ
                                         360        156,000.00          1
                                       6.375            973.24         80
                                       6.125            973.24
    HAM LAKE         MN   55304          5            08/23/02         00
    0434499281                           05           10/01/02          0
    013205306338                         O            09/01/32
    0

    7994171          X82/G02             F          329,600.00         ZZ
                                         360        329,600.00          1
                                       7.375          2,276.47         80
                                       7.125          2,276.47
    ASHBURN          VA   20147          1            08/16/02         00
    0434508008                           03           10/01/02          0
    835122                               O            09/01/32
    0

    7994197          144/144             F          137,600.00         ZZ
                                         360        137,600.00          1
                                       6.875            903.93         57
                                       6.625            903.93
    WARWICK          NY   10990          5            08/13/02         00
    160695148                            05           10/01/02          0
    160695148                            O            09/01/32
    0

    7994241          K79/G02             F          234,800.00         ZZ
                                         360        234,800.00          1
                                       6.750          1,522.91         80
                                       6.500          1,522.91
    STOUGHTON        MA   02072          1            08/30/02         00
    0434530846                           05           10/01/02          0
    14961                                O            09/01/32
    0

    7994245          E57/G02             F          154,000.00         ZZ
                                         360        154,000.00          1
                                       6.625            986.08         63
                                       6.375            986.08
    OAKHURST         CA   93644          2            08/21/02         00
    0434503488                           05           10/01/02          0
    13002795                             N            09/01/32
    0

1

    7994251          S11/G02             F          416,000.00         ZZ
                                         360        416,000.00          1
                                       6.625          2,663.69         80
                                       6.375          2,663.69
    LADERA RANCH AR  CA   92694          1            08/20/02         00
    0434536041                           03           10/01/02          0
    10320077                             O            09/01/32
    0

    7994387          944/G02             F          212,100.00         ZZ
                                         360        212,100.00          1
                                       7.250          1,446.90         80
                                       7.000          1,446.90
    CHICAGO          IL   60610          2            08/23/02         00
    0434501144                           01           10/01/02          0
    W02028018                            N            09/01/32
    0

    7994419          944/G02             F          191,500.00         ZZ
                                         360        191,500.00          1
                                       7.250          1,306.37         76
                                       7.000          1,306.37
    CHICAGO          IL   60610          2            08/23/02         00
    0434501177                           01           10/01/02          0
    W02028019                            N            09/01/32
    0

    7994545          W35/G02             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       6.250          1,200.65         80
                                       6.000          1,200.65
    FALMOUTH         ME   04105          5            08/09/02         00
    0434502316                           05           10/01/02          0
    13374                                O            09/01/32
    0

    7994579          W35/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.250          1,083.67         80
                                       6.000          1,083.67
    HOLLAND          MA   01521          5            08/16/02         00
    0434501128                           05           10/01/02          0
    13382                                O            09/01/32
    0

    7994625          P67/G02             F          385,000.00         ZZ
                                         360        385,000.00          1
                                       6.750          2,497.10         94
                                       6.500          2,497.10
1

    WEST ORANGE      NJ   07052          1            08/30/02         11
    0434507919                           05           10/01/02         30
    0605280                              O            09/01/32
    0

    7994957          M27/G02             F          218,000.00         ZZ
                                         360        218,000.00          1
                                       6.875          1,432.10         70
                                       6.625          1,432.10
    WILLINGTON       NC   28405          5            08/20/02         00
    0434507307                           03           10/01/02          0
    0100025034                           O            09/01/32
    0

    7994965          Q87/G02             F           64,000.00         ZZ
                                         360         64,000.00          1
                                       6.625            409.80         80
                                       6.375            409.80
    CITRONELLE       AL   36522          2            08/27/02         00
    0434507505                           05           10/01/02          0
    COPA04                               O            09/01/32
    0

    7995027          F89/G02             F          396,100.00         ZZ
                                         360        396,100.00          1
                                       6.500          2,503.62         62
                                       6.250          2,503.62
    TARZANA AREA (L  CA   91356          2            08/21/02         00
    0434491577                           05           10/01/02          0
    22684                                O            09/01/32
    0

    7995033          S43/G02             F          423,200.00         ZZ
                                         360        423,200.00          1
                                       6.625          2,709.80         80
                                       6.375          2,709.80
    SANTA FE         NM   87505          1            08/28/02         00
    0434504098                           05           10/01/02          0
    021325                               O            09/01/32
    0

    7995119          U05/G02             F          286,000.00         ZZ
                                         360        286,000.00          1
                                       6.875          1,878.82         67
                                       6.625          1,878.82
    WORTHINGTON      OH   43085          2            08/16/02         00
    0434494902                           05           10/01/02          0
    3247096                              O            09/01/32
    0
1

    7995193          K56/G02             F          195,000.00         ZZ
                                         360        195,000.00          4
                                       6.625          1,248.61         65
                                       6.375          1,248.61
    REDMOND          OR   97756          5            08/13/02         00
    0434535928                           05           10/01/02          0
    1020586                              N            09/01/32
    0

    7995373          822/G02             F           70,200.00         ZZ
                                         360         70,200.00          4
                                       6.875            461.17         90
                                       6.625            461.17
    PHILADELPHIA     PA   19124          1            08/22/02         10
    0434517116                           05           10/01/02         25
    3636072277                           N            09/01/32
    0

    7995653          E22/G02             F          133,200.00         ZZ
                                         360        133,200.00          1
                                       6.875            875.03         90
                                       6.625            875.03
    STRASBURG        VA   22657          1            08/30/02         01
    0414199489                           05           10/01/02         30
    0414199489                           O            09/01/32
    0

    7995729          E22/G02             F          110,700.00         ZZ
                                         360        110,700.00          2
                                       6.875            727.22         90
                                       6.625            727.22
    MIAMI            FL   33161          5            08/21/02         04
    0414491951                           05           10/01/02         25
    0414491951                           O            09/01/32
    0

    7995747          E22/G02             F          143,450.00         ZZ
                                         360        143,450.00          1
                                       7.875          1,040.11         95
                                       7.625          1,040.11
    JACKSON          MS   39212          5            08/26/02         01
    0414524298                           05           10/01/02         30
    0414524298                           O            09/01/32
    0

    7995801          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
1

                                       7.250            613.96         56
                                       7.000            613.96
    DALLAS           TX   75206          5            08/23/02         00
    0414576777                           05           10/01/02          0
    0414576777                           O            09/01/32
    0

    7995821          E22/G02             F          133,200.00         ZZ
                                         360        133,200.00          1
                                       7.000            886.18         90
                                       6.750            886.18
    LAKE WORTH       FL   33463          1            08/30/02         01
    0414588863                           03           10/01/02         25
    0414588863                           O            09/01/32
    0

    7995855          E22/G02             F          172,000.00         ZZ
                                         360        172,000.00          1
                                       7.000          1,144.32         80
                                       6.750          1,144.32
    SAN JOSE         CA   95133          1            08/26/02         00
    0414619676                           01           10/01/02          0
    0414619676                           O            09/01/32
    0

    7995889          E22/G02             F          129,000.00         ZZ
                                         360        129,000.00          1
                                       7.250            880.01         95
                                       7.000            880.01
    CEDAR RAPIDS     IA   52403          5            08/28/02         04
    0414640540                           05           10/01/02         30
    0414640540                           O            09/01/32
    0

    7995893          E22/G02             F          150,400.00         ZZ
                                         360        150,400.00          1
                                       6.750            975.49         80
                                       6.500            975.49
    LITCHFIELD       OH   44253          5            08/26/02         00
    0414645184                           05           10/01/02          0
    0414645184                           O            09/01/32
    0

    7995899          E22/G02             F          351,000.00         ZZ
                                         360        351,000.00          1
                                       6.750          2,276.58         90
                                       6.500          2,276.58
    CORAL SPRINGS    FL   33071          1            08/30/02         04
    0414652214                           03           10/01/02         25
1

    0414652214                           O            09/01/32
    0

    7995907          E22/G02             F          208,000.00         ZZ
                                         360        208,000.00          1
                                       6.750          1,349.08         80
                                       6.500          1,349.08
    GLENDORA         CA   91740          1            08/28/02         00
    0414656975                           05           10/01/02          0
    0414656975                           O            09/01/32
    0

    7995915          E22/G02             F           71,200.00         ZZ
                                         360         71,200.00          1
                                       6.875            467.73         95
                                       6.625            467.73
    WEST MEMPHIS     AR   72301          5            08/26/02         01
    0414664284                           05           10/01/02         30
    0414664284                           O            09/01/32
    0

    7995933          E22/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       6.875            630.65         80
                                       6.625            630.65
    ELGIN            IL   60123          1            09/03/02         00
    0414674010                           05           10/01/02          0
    0414674010                           O            09/01/32
    0

    7995937          E22/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.875            762.04         80
                                       6.625            762.04
    ARLINGTON        TX   76001          5            08/26/02         00
    0414677344                           05           10/01/02          0
    0414677344                           O            09/01/32
    0

    7995951          E22/G02             F          276,000.00         ZZ
                                         360        276,000.00          1
                                       6.500          1,744.51         80
                                       6.250          1,744.51
    CLACKAMAS        OR   97015          1            08/27/02         00
    0414683847                           03           10/01/02          0
    0414683847                           O            09/01/32
    0

1

    7996011          E22/G02             F          344,250.00         ZZ
                                         360        344,250.00          3
                                       7.625          2,436.58         75
                                       7.375          2,436.58
    EVERETT          MA   02179          1            08/30/02         00
    0414722249                           05           10/01/02          0
    0414722249                           N            09/01/32
    0

    7996013          E22/G02             F          137,200.00         ZZ
                                         360        137,200.00          1
                                       6.875            901.31         80
                                       6.625            901.31
    CANTON           MI   48188          1            08/30/02         00
    0414722603                           05           10/01/02          0
    0414722603                           O            09/01/32
    0

    7996017          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       7.375            932.41         90
                                       7.125            932.41
    AUSTIN           TX   78701          1            08/29/02         04
    0414723213                           06           10/01/02         25
    0414723213                           N            09/01/32
    0

    7996095          E22/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       7.750            429.85         80
                                       7.500            429.85
    HAMMOND          LA   70403          1            08/30/02         00
    0414754648                           01           10/01/02          0
    0414754648                           N            09/01/32
    0

    7996099          E22/G02             F          203,000.00         ZZ
                                         360        203,000.00          1
                                       7.125          1,367.65         80
                                       6.875          1,367.65
    ST. CHARLES      IL   60174          1            08/30/02         00
    0414756353                           01           10/01/02          0
    0414756353                           O            09/01/32
    0

    7996109          E22/G02             F          250,000.00         ZZ
                                         240        250,000.00          1
                                       7.125          1,957.05         41
                                       6.875          1,957.05
1

    GILROY           CA   95020          2            08/26/02         00
    0414761783                           05           10/01/02          0
    0414761783                           N            09/01/22
    0

    7996119          E22/G02             F          174,400.00         ZZ
                                         360        174,400.00          1
                                       7.125          1,174.97         80
                                       6.875          1,174.97
    PEYTON           CO   80831          5            08/26/02         00
    0414765826                           05           10/01/02          0
    0414765826                           O            09/01/32
    0

    7996125          E22/G02             F          292,000.00         ZZ
                                         360        292,000.00          1
                                       7.000          1,942.68         80
                                       6.750          1,942.68
    LA (SYLMAR)      CA   91342          5            08/25/02         00
    0414770495                           05           10/01/02          0
    0414770495                           O            09/01/32
    0

    7996133          E22/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.625          2,433.18         80
                                       6.375          2,433.18
    NAPLES           FL   34108          1            08/30/02         00
    0414771907                           08           10/01/02          0
    0414771907                           O            09/01/32
    0

    7996149          E22/G02             F          206,000.00         ZZ
                                         360        206,000.00          1
                                       6.500          1,302.06         74
                                       6.250          1,302.06
    BOISE            ID   83709          5            08/26/02         00
    0414778597                           03           10/01/02          0
    0414778597                           O            09/01/32
    0

    7996173          E22/G02             F           87,600.00         ZZ
                                         360         87,600.00          1
                                       6.750            568.17         80
                                       6.500            568.17
    CARSON CITY      NV   89701          1            08/23/02         00
    0414789826                           27           10/01/02          0
    0414789826                           O            09/01/32
    0
1

    7996613          069/G02             F           91,350.00         ZZ
                                         360         91,273.25          1
                                       6.875            600.11         80
                                       6.625            600.11
    REDLANDS         CA   92373          1            07/25/02         00
    0434495776                           01           09/01/02          0
    21488323969                          N            08/01/32
    0

    7996891          069/G02             F          152,850.00         ZZ
                                         360        152,850.00          1
                                       6.875          1,004.12         32
                                       6.625          1,004.12
    CATHEDRAL CITY   CA   92234          1            08/06/02         00
    0434504650                           03           10/01/02          0
    20988317979                          O            09/01/32
    0

    7997101          944/G02             F          202,500.00         ZZ
                                         360        202,500.00          1
                                       7.250          1,381.41         80
                                       7.000          1,381.41
    CHICAGO          IL   60610          2            08/23/02         00
    0434493557                           06           10/01/02          0
    W02028020                            N            09/01/32
    0

    7997139          E86/G02             F          230,000.00         ZZ
                                         360        230,000.00          1
                                       6.875          1,510.94         77
                                       6.625          1,510.94
    SAUGERTIES       NY   12477          5            08/16/02         00
    0434508081                           05           10/01/02          0
    0000212936                           O            09/01/32
    0

    7997341          E86/G02             F           38,700.00         ZZ
                                         360         38,700.00          2
                                       7.375            267.29         90
                                       7.125            267.29
    WILLIAMSPORT     PA   17701          1            08/02/02         11
    0434498390                           05           10/01/02         25
    1                                    O            09/01/32
    0

    7997431          K15/G02             F          284,000.00         ZZ
                                         360        284,000.00          1
1

                                       7.000          1,889.46         75
                                       6.750          1,889.46
    NEW YORK         NY   10021          5            08/24/02         00
    0434502498                           06           10/01/02          0
    021205502125                         O            09/01/32
    0

    7997501          N67/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.500            834.33         80
                                       6.250            834.33
    MESA             AZ   85205          1            08/28/02         00
    0434510749                           05           10/01/02          0
    17600026537                          O            09/01/32
    0

    7997583          975/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.500          1,896.20         64
                                       6.250          1,896.20
    SAN DIEGO        CA   92129          1            08/22/02         00
    0434497152                           05           10/01/02          0
    2023075                              O            09/01/32
    0

    7997615          A52/G02             F           86,800.00         ZZ
                                         360         86,800.00          1
                                       7.500            606.92         80
                                       7.250            606.92
    RIVERDALE        GA   30274          5            08/23/02         00
    0434497418                           05           10/01/02          0
    19890                                O            09/01/32
    0

    7999665          Q14/G02             F           57,000.00         ZZ
                                         300         57,000.00          1
                                       7.000            402.86         75
                                       6.750            402.86
    KANSAS CITY      MO   64131          2            08/29/02         00
    0434499083                           05           10/01/02          0
    0208673                              N            09/01/27
    0

    7999675          E86/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       7.000          1,463.67         80
                                       6.750          1,463.67
    MANASSAS         VA   20110          1            08/21/02         00
    0434500567                           05           10/01/02          0
1

    0000192144                           O            09/01/32
    0

    7999685          E86/G02             F          210,000.00         ZZ
                                         360        210,000.00          1
                                       6.875          1,379.55         79
                                       6.625          1,379.55
    PLACENTIA        CA   92870          1            08/14/02         00
    0434500724                           09           10/01/02          0
    316691                               O            09/01/32
    0

    7999695          E47/G02             F          266,250.00         ZZ
                                         360        266,250.00          4
                                       7.750          1,907.45         75
                                       7.500          1,907.45
    CHICAGO          IL   60618          5            08/15/02         00
    0434506093                           05           10/01/02          0
    7360513909                           O            09/01/32
    0

    7999745          950/G02             F           97,600.00         T
                                         360         97,600.00          1
                                       6.625            624.94         79
                                       6.375            624.94
    KIRKLAND         WA   98033          1            08/07/02         00
    0434526893                           01           10/01/02          0
    E6207020                             O            09/01/32
    0

    7999811          A06/G02             F          238,400.00         ZZ
                                         360        238,400.00          1
                                       6.500          1,506.86         80
                                       6.250          1,506.86
    BRIGHTON         MI   48114          5            08/21/02         00
    0434496758                           05           10/01/02          0
    5000020217525                        O            09/01/32
    0

    7999829          W68/G02             F          130,500.00         ZZ
                                         360        130,500.00          1
                                       7.250            890.24         87
                                       7.000            890.24
    ALBUQUERQUE      NM   87112          1            08/26/02         12
    0434522900                           05           10/01/02         25
    28735                                N            09/01/32
    0

1

    8000037          W30/G02             F          161,910.00         ZZ
                                         360        161,910.00          3
                                       7.500          1,132.10         90
                                       7.250          1,132.10
    WEBSTER          MA   01570          1            08/29/02         14
    0434513453                           05           10/01/02         25
    0609892                              N            09/01/32
    0

    8000175          S27/G02             F           68,640.00         ZZ
                                         360         68,640.00          1
                                       7.125            462.45         77
                                       6.875            462.45
    PALM COAST       FL   32137          1            08/28/02         00
    0434525267                           03           10/01/02          0
    1090000635                           N            09/01/32
    0

    8000335          L20/G02             F           84,000.00         ZZ
                                         360         84,000.00          1
                                       6.875            551.82         80
                                       6.625            551.82
    MERIDIAN         ID   83642          1            08/19/02         00
    0434510277                           05           10/01/02          0
    707394                               N            09/01/32
    0

    8001121          E22/G02             F          118,800.00         ZZ
                                         360        118,800.00          4
                                       7.500            830.67         90
                                       7.250            830.67
    HARVEY           LA   70058          1            09/03/02         01
    0414513911                           05           10/01/02         25
    0414513911                           N            09/01/32
    0

    8001173          E22/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       7.875          1,102.11         95
                                       7.625          1,102.11
    HIALEAH          FL   33018          5            08/28/02         04
    0414595751                           05           10/01/02         30
    0414595751                           O            09/01/32
    0

    8001179          E22/G02             F           94,000.00         ZZ
                                         360         94,000.00          1
                                       7.625            665.33         80
                                       7.375            665.33
1

    TUCSON           AZ   85710          2            08/22/02         00
    0414601435                           05           10/01/02          0
    0414601435                           O            09/01/32
    0

    8001201          E22/G02             F          101,000.00         ZZ
                                         360        101,000.00          1
                                       6.625            646.71         80
                                       6.375            646.71
    CAPE CORAL       FL   33914          5            08/28/02         00
    0414627174                           05           10/01/02          0
    0414627174                           O            09/01/32
    0

    8001219          E22/G02             F          484,000.00         ZZ
                                         360        484,000.00          1
                                       6.875          3,179.54         80
                                       6.625          3,179.54
    UNION CITY       CA   94587          5            08/27/02         00
    0414663278                           05           10/01/02          0
    0414663278                           O            09/01/32
    0

    8001227          E22/G02             F          297,500.00         ZZ
                                         360        297,500.00          1
                                       7.500          2,080.16         85
                                       7.250          2,080.16
    BRANSON          MO   65616          1            08/09/02         04
    0414672568                           05           10/01/02         12
    0414672568                           O            09/01/32
    0

    8001241          E22/G02             F          367,500.00         ZZ
                                         360        367,500.00          1
                                       6.500          2,322.85         64
                                       6.250          2,322.85
    LOVELAND         CO   80537          2            08/28/02         00
    0414680942                           05           10/01/02          0
    0414680942                           O            09/01/32
    0

    8001279          E22/G02             F           64,685.00         ZZ
                                         360         64,685.00          1
                                       7.625            457.84         75
                                       7.375            457.84
    NORMAN           OK   73071          1            08/29/02         00
    0414704015                           03           10/01/02          0
    0414704015                           N            09/01/32
    0
1

    8001297          E22/G02             F          108,300.00         ZZ
                                         360        108,300.00          2
                                       7.125            729.64         70
                                       6.875            729.64
    DELRAY BEACH     FL   33444          5            08/30/02         00
    0414718700                           05           10/01/02          0
    0414718700                           N            09/01/32
    0

    8001301          E22/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       7.375          1,933.89         70
                                       7.125          1,933.89
    BREWSTER         NY   10509          5            08/28/02         00
    0414719518                           05           10/01/02          0
    0414719518                           O            09/01/32
    0

    8001349          E22/G02             F          221,000.00         ZZ
                                         360        221,000.00          1
                                       6.750          1,433.40         86
                                       6.500          1,433.40
    COLORADO SPRING  CO   80922          2            08/28/02         04
    0414760538                           05           10/01/02         25
    0414760538                           O            09/01/32
    0

    8001389          E22/G02             F          144,800.00         ZZ
                                         360        144,800.00          2
                                       7.625          1,024.89         80
                                       7.375          1,024.89
    JERSEY CITY      NJ   07303          5            08/27/02         00
    0414813501                           05           10/01/02          0
    0414813501                           O            09/01/32
    0

    8001419          E82/G02             F          362,700.00         ZZ
                                         360        362,700.00          1
                                       7.375          2,505.08         90
                                       7.125          2,505.08
    TRACY            CA   95376          5            08/28/02         04
    0400674982                           05           10/01/02         25
    0400674982                           O            09/01/32
    0

    8001611          L49/G02             F          581,200.00         ZZ
                                         360        581,200.00          1
1

                                       6.250          3,578.55         80
                                       6.000          3,578.55
    SAN JOSE         CA   95136          2            08/21/02         00
    0434488227                           03           10/01/02          0
    10010943                             O            09/01/32
    0

    8002431          N47/G02             F          264,000.00         ZZ
                                         360        264,000.00          1
                                       6.625          1,690.42         80
                                       6.375          1,690.42
    SAN DIEGO        CA   92115          1            08/23/02         00
    0434509543                           05           10/01/02          0
    30122502                             N            09/01/32
    0

    8002489          N47/G02             F          230,000.00         ZZ
                                         360        230,000.00          1
                                       6.625          1,472.72         68
                                       6.375          1,472.72
    SAN DIEGO        CA   92126          1            08/23/02         00
    0434518718                           05           10/01/02          0
    30121998                             O            09/01/32
    0

    8002551          N47/G02             F          473,000.00         ZZ
                                         360        473,000.00          1
                                       6.750          3,067.87         60
                                       6.500          3,067.87
    SAN JOSE         CA   95121          2            08/21/02         00
    0434536405                           05           10/01/02          0
    20120877                             O            09/01/32
    0

    8002731          P01/G02             F           85,850.00         ZZ
                                         360         85,850.00          2
                                       6.875            563.98         85
                                       6.625            563.98
    MECHANICVILLE    NY   12118          5            08/23/02         04
    0434524328                           05           10/01/02         12
    02002957                             O            09/01/32
    0

    8002953          E60/G02             F          459,000.00         ZZ
                                         360        459,000.00          1
                                       6.375          2,863.57         71
                                       6.125          2,863.57
    ATASCADERO       CA   93422          5            08/26/02         00
    0434507828                           05           10/01/02          0
1

    514667                               O            09/01/32
    0

    8003053          950/G02             F          185,200.00         ZZ
                                         360        185,200.00          1
                                       7.250          1,263.39         80
                                       7.000          1,263.39
    SACRAMENTO       CA   95819          1            08/09/32         00
    0434560827                           05           10/01/02          0
    AA207024                             N            09/01/32
    0

    8003063          A35/A35             F          640,000.00         ZZ
                                         360        640,000.00          1
                                       7.750          4,585.03         80
                                       7.500          4,585.03
    MELVILLE         NY   11747          5            08/23/02         00
    1                                    05           10/01/02          0
    1                                    O            09/01/32
    0

    8003713          W08/G02             F          129,000.00         ZZ
                                         360        129,000.00          1
                                       6.875            847.44         95
                                       6.625            847.44
    LAKE MARY        FL   32746          5            08/30/02         10
    0434517660                           05           10/01/02         30
    021441                               O            09/01/32
    0

    8004573          K15/G02             F          113,000.00         ZZ
                                         360        113,000.00          1
                                       7.750            809.55         95
                                       7.500            809.55
    FRESNO           CA   93726          5            08/27/02         11
    0434504460                           05           10/01/02         30
    038305502500                         O            09/01/32
    0

    8004611          K15/G02             F           60,100.00         T
                                         360         60,100.00          1
                                       6.625            384.83         80
                                       6.375            384.83
    ONAMIA           MN   56359          5            08/29/02         00
    0434530648                           05           10/01/02          0
    013205306420                         O            09/01/32
    0

1

    8005033          253/253             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.750          2,464.68         76
                                       6.500          2,464.68
    LEANDER          TX   78641          2            09/01/02         00
    973665                               03           10/01/02          0
    973665                               O            09/01/32
    0

    8005057          A06/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       7.000          1,463.67         66
                                       6.750          1,463.67
    PLYMOUTH         MI   48170          1            08/30/02         00
    0434497186                           05           10/01/02          0
    1                                    O            09/01/32
    0

    8005077          E22/G02             F          609,000.00         ZZ
                                         360        609,000.00          1
                                       6.750          3,949.96         74
                                       6.500          3,949.96
    BATHESDA         MD   20816          2            08/29/02         00
    0414364877                           05           10/01/02          0
    0414364877                           O            09/01/32
    0

    8005111          E22/G02             F          157,000.00         ZZ
                                         360        157,000.00          1
                                       7.125          1,057.74         89
                                       6.875          1,057.74
    CHEYENNE         WY   82009          1            09/04/02         01
    0414581447                           05           10/01/02         25
    0414581447                           O            09/01/32
    0

    8005119          E22/G02             F          376,000.00         ZZ
                                         360        376,000.00          1
                                       6.625          2,407.57         80
                                       6.375          2,407.57
    THOUSAND OAKS    CA   90000          1            08/30/02         00
    0414593541                           01           10/01/02          0
    0414593541                           O            09/01/32
    0

    8005155          E22/G02             F           75,000.00         ZZ
                                         360         75,000.00          1
                                       7.250            511.63         79
                                       7.000            511.63
1

    KALISPELL        MT   59901          2            09/04/02         00
    0414655159                           05           10/01/02          0
    0414655159                           N            09/01/32
    0

    8005159          E22/G02             F          188,000.00         ZZ
                                         360        188,000.00          1
                                       6.750          1,219.36         80
                                       6.500          1,219.36
    SANTA PAULA      CA   93060          5            08/29/02         00
    0414659862                           05           10/01/02          0
    0414659862                           O            09/01/32
    0

    8005165          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       7.000            898.16         90
                                       6.750            898.16
    BELMONT          MI   49306          5            08/29/02         04
    0414661371                           05           10/01/02         25
    0414661371                           O            09/01/32
    0

    8005183          E22/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.875          2,233.56         80
                                       6.625          2,233.56
    CEDAR GROVE      NJ   07009          5            08/29/02         00
    0414693044                           05           10/01/02          0
    0414693044                           O            09/01/32
    0

    8005187          E22/G02             F          268,000.00         ZZ
                                         360        268,000.00          1
                                       6.875          1,760.57         80
                                       6.625          1,760.57
    LAKE ANN         MI   49650          5            08/29/02         00
    0414697896                           05           10/01/02          0
    0414697896                           O            09/01/32
    0

    8005213          E22/G02             F           84,000.00         ZZ
                                         360         84,000.00          1
                                       6.500            530.94         80
                                       6.250            530.94
    HUNTINGDON       TN   38344          5            08/29/02         00
    0414714113                           05           10/01/02          0
    0414714113                           O            09/01/32
    0
1

    8005229          E22/G02             F          225,600.00         ZZ
                                         360        225,600.00          1
                                       7.500          1,577.43         80
                                       7.250          1,577.43
    AURORA           CO   80014          2            08/29/02         00
    0414726984                           03           10/01/02          0
    0414726984                           O            09/01/32
    0

    8005299          E22/G02             F           76,500.00         ZZ
                                         360         76,500.00          2
                                       7.875            554.68         90
                                       7.625            554.68
    NEW ORLEANS      LA   70117          1            09/04/02         01
    0414820787                           05           10/01/02         30
    0414820787                           N            09/01/32
    0

    8007057          U42/G02             F           61,240.00         ZZ
                                         360         61,240.00          1
                                       6.875            402.30         80
                                       6.625            402.30
    LANCASTER        TX   75146          1            08/15/02         00
    0434535001                           05           10/01/02          0
    24200569                             O            09/01/32
    0

    8007093          U42/G02             F          195,500.00         ZZ
                                         360        195,500.00          1
                                       7.125          1,317.12         85
                                       6.875          1,317.12
    PLANO            TX   75025          1            08/27/02         12
    0434535886                           03           10/01/02         25
    12201875                             O            09/01/32
    0

    8007137          950/G02             F          229,500.00         ZZ
                                         360        229,500.00          1
                                       7.000          1,526.87         90
                                       6.750          1,526.87
    EVERETT          WA   98208          1            08/06/02         11
    0434532321                           05           10/01/02         25
    EW207200                             O            09/01/32
    0

    8007147          737/G02             F          185,250.00         ZZ
                                         360        185,250.00          1
1

                                       7.250          1,263.73         95
                                       7.000          1,263.73
    DUMFRIES         VA   22026          5            08/21/02         01
    0434531901                           09           10/01/02         30
    2076811                              O            09/01/32
    0

    8007223          F36/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       7.000          1,596.73         68
                                       6.750          1,596.73
    RENTON           WA   98058          5            08/27/02         00
    0434532222                           05           10/01/02          0
    06505099                             N            09/01/32
    0

    8007293          K15/G02             F          298,000.00         ZZ
                                         360        298,000.00          1
                                       6.750          1,932.82         71
                                       6.500          1,932.82
    CARLE PLACE      NY   11514          5            08/27/02         00
    0434508784                           05           10/01/02          0
    021205502538                         O            09/01/32
    0

    8007295          U05/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.750          1,686.36         70
                                       6.500          1,686.36
    PEMBROKE PINES   FL   33027          5            08/21/02         00
    0434510756                           03           10/01/02          0
    3249622                              O            09/01/32
    0

    8007417          642/G02             F           91,909.00         ZZ
                                         360         91,909.00          1
                                       7.250            626.98         70
                                       7.000            626.98
    DOLTON           IL   60419          5            08/27/02         00
    0434517793                           05           10/01/02          0
    07213902                             O            09/01/32
    0

    8007895          369/G02             F          129,600.00         ZZ
                                         360        129,600.00          1
                                       6.875            851.38         90
                                       6.625            851.38
    PEORIA           AZ   85382          1            08/08/02         14
    0434531620                           03           10/01/02         25
1

    74268624                             O            09/01/32
    0

    8008095          M24/G02             F          290,000.00         ZZ
                                         360        290,000.00          1
                                       6.875          1,905.09         73
                                       6.625          1,905.09
    LA MESA          CA   91941          5            08/23/02         00
    0434531778                           05           10/01/02          0
    223104747                            O            09/01/32
    0

    8008479          E11/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.125            727.62         80
                                       6.875            727.62
    EAGAN            MN   55122          1            08/30/02         00
    0434534095                           09           10/01/02          0
    0010001045140                        N            09/01/32
    0

    8009373          E22/G02             F          328,500.00         ZZ
                                         360        328,500.00          3
                                       6.875          2,158.01         61
                                       6.625          2,158.01
    HAYWARD          CA   94541          5            08/26/02         00
    0413844606                           05           10/01/02          0
    0413844606                           O            09/01/32
    0

    8009387          E22/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.875          2,102.17         79
                                       6.625          2,102.17
    JACKSON          NJ   08527          5            08/30/02         00
    0414361071                           05           10/01/02          0
    0414361071                           O            09/01/32
    0

    8009419          E22/G02             F          217,000.00         ZZ
                                         360        217,000.00          3
                                       7.250          1,480.32         70
                                       7.000          1,480.32
    MOUNTLAKE TERRA  WA   98043          5            08/29/02         00
    0414523530                           05           10/01/02          0
    0414523530                           O            09/01/32
    0

1

    8009423          E22/G02             F          268,000.00         ZZ
                                         360        268,000.00          1
                                       6.375          1,671.97         80
                                       6.125          1,671.97
    LA MESA          CA   91942          5            08/24/02         00
    0414532325                           05           10/01/02          0
    0414532325                           O            09/01/32
    0

    8009469          E22/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.625          2,049.00         24
                                       6.375          2,049.00
    SARATOGA         CA   95070          5            08/27/02         00
    0414639880                           05           10/01/02          0
    0414639880                           O            09/01/32
    0

    8009485          E22/G02             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       7.750            544.47         80
                                       7.500            544.47
    BOSTON           KY   40107          2            08/29/02         00
    0414669382                           27           10/01/02          0
    0414669382                           O            09/01/32
    0

    8009529          E22/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.625          1,664.81         80
                                       6.375          1,664.81
    SPRING VALLEY    CA   91977          2            08/24/02         00
    0414715268                           05           10/01/02          0
    0414715268                           O            09/01/32
    0

    8009541          E22/G02             F          205,000.00         ZZ
                                         360        205,000.00          1
                                       6.750          1,329.63         94
                                       6.500          1,329.63
    RANCHO CORDOVA   CA   95670          2            08/27/02         01
    0414723890                           05           10/01/02         30
    0414723890                           O            09/01/32
    0

    8009657          E22/G02             F          124,450.00         ZZ
                                         360        124,450.00          1
                                       7.375            859.55         95
                                       7.125            859.55
1

    SUMMERDALE       AL   36580          5            08/30/02         04
    0414812123                           05           10/01/02         30
    0414812123                           O            09/01/32
    0

    8009695          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.875          1,051.09         94
                                       6.625          1,051.09
    PLAINFIELD       IL   60544          5            08/30/02         11
    0414848929                           05           10/01/02         30
    0414848929                           O            09/01/32
    0

    8009977          S43/G02             F           65,700.00         ZZ
                                         360         65,700.00          1
                                       7.375            453.77         90
                                       7.125            453.77
    ROSWELL          NM   88203          5            08/28/02         04
    0434530192                           05           10/01/02         25
    021210                               O            09/01/32
    0

    8011135          T29/G02             F          118,400.00         ZZ
                                         360        118,400.00          1
                                       6.500            748.37         80
                                       6.250            748.37
    LAKESIDE         AZ   85929          1            08/26/02         00
    0434521647                           05           10/01/02          0
    1522673                              O            09/01/32
    0

    8011313          U05/G02             F          384,000.00         ZZ
                                         360        384,000.00          1
                                       7.000          2,554.76         80
                                       6.750          2,554.76
    LOOMIS           CA   95650          2            08/20/02         00
    0434532016                           05           10/01/02          0
    3251402                              O            09/01/32
    0

    8011615          313/G02             F          435,000.00         ZZ
                                         360        435,000.00          1
                                       6.375          2,713.84         80
                                       6.125          2,713.84
    GAINESVILLE      GA   30506          2            08/12/02         00
    0434506499                           03           10/01/02          0
    8890527                              O            09/01/32
    0
1

    8011631          313/G02             F          150,000.00         ZZ
                                         360        149,888.67          3
                                       7.500          1,048.83         50
                                       7.250          1,048.83
    CHICAGO          IL   60637          5            07/10/02         00
    0434509642                           05           09/01/02          0
    8798563                              N            08/01/32
    0

    8011633          313/G02             F          146,000.00         ZZ
                                         360        145,880.32          1
                                       7.000            971.35         80
                                       6.750            971.35
    BEND             OR   97701          2            07/12/02         00
    0434507992                           05           09/01/02          0
    8813586                              N            08/01/32
    0

    8011635          313/G02             F           33,030.00         ZZ
                                         240         32,968.49          1
                                       7.250            261.07         90
                                       7.000            261.07
    MEMPHIS          TN   38128          1            07/12/02         11
    0434510251                           05           09/01/02         25
    8806820                              N            08/01/22
    0

    8011639          313/G02             F          440,000.00         ZZ
                                         360        439,639.33          1
                                       7.000          2,927.34         80
                                       6.750          2,927.34
    CHICAGO          IL   60618          5            07/15/02         00
    0434508537                           05           09/01/02          0
    8815144                              O            08/01/32
    0

    8011645          313/G02             F           54,000.00         ZZ
                                         360         53,959.92          1
                                       7.500            377.58         90
                                       7.250            377.58
    MARKHAM          IL   60426          1            07/16/02         11
    0434508602                           05           09/01/02         25
    8836462                              N            08/01/32
    0

    8011659          313/G02             F          234,000.00         ZZ
                                         360        233,808.19          3
1

                                       7.000          1,556.81         90
                                       6.750          1,556.81
    CHICAGO          IL   60618          1            07/23/02         11
    0434510327                           05           09/01/02         30
    8849945                              O            08/01/32
    0

    8011661          313/G02             F          146,850.00         ZZ
                                         360        146,729.56          3
                                       7.000            977.00         90
                                       6.750            977.00
    HARTFORD         CT   06105          1            07/23/02         11
    0434508685                           05           09/01/02         25
    8848525                              N            08/01/32
    0

    8011677          313/G02             F          199,000.00         ZZ
                                         360        198,844.75          4
                                       7.250          1,357.54         70
                                       7.000          1,357.54
    WORCESTER        MA   01601          5            07/25/02         00
    0434505426                           05           09/01/02          0
    8853707                              N            08/01/32
    0

    8011679          313/G02             F          156,000.00         ZZ
                                         360        155,872.12          3
                                       7.000          1,037.88         80
                                       6.750          1,037.88
    HARTFORD         CT   06106          1            07/30/02         00
    0434508578                           05           09/01/02          0
    8854440                              N            08/01/32
    0

    8011681          313/G02             F          128,000.00         ZZ
                                         360        127,889.79          1
                                       6.750            830.21         80
                                       6.500            830.21
    BEND             OR   97702          1            07/31/02         00
    0434501680                           05           09/01/02          0
    8868036                              N            08/01/32
    0

    8011683          313/G02             F          138,000.00         ZZ
                                         360        137,889.64          1
                                       7.125            929.74         87
                                       6.875            929.74
    HICKORY HILLS    IL   60457          2            07/31/02         01
    0434507786                           05           09/01/02         25
1

    8846537                              N            08/01/32
    0

    8011685          313/G02             F          153,000.00         ZZ
                                         360        152,877.65          1
                                       7.125          1,030.79         90
                                       6.875          1,030.79
    CHICAGO RIDGE    IL   60415          2            07/31/02         01
    0434507984                           05           09/01/02         25
    8846636                              N            08/01/32
    0

    8011691          313/G02             F           52,000.00         ZZ
                                         360         52,000.00          2
                                       7.625            368.06         80
                                       7.375            368.06
    ROCKFORD         IL   61103          5            08/02/02         00
    0434510129                           05           10/01/02          0
    8774457                              N            09/01/32
    0

    8011699          313/G02             F          473,000.00         ZZ
                                         360        473,000.00          1
                                       6.750          3,067.87         74
                                       6.500          3,067.87
    OXNARD           CA   93035          5            08/14/02         00
    0434509451                           05           10/01/02          0
    8882029                              O            09/01/32
    0

    8011703          313/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.625            764.42         90
                                       7.375            764.42
    ZION             IL   60099          1            08/15/02         11
    0434508867                           05           10/01/02         25
    8901654                              N            09/01/32
    0

    8011739          950/G02             F          188,000.00         ZZ
                                         360        188,000.00          1
                                       6.875          1,235.03         80
                                       6.625          1,235.03
    BEAVERTON        OR   97006          1            08/13/02         00
    0434532784                           05           10/01/02          0
    207021                               N            09/01/32
    0

1

    8011783          E65/G02             F          322,000.00         ZZ
                                         360        322,000.00          1
                                       7.750          2,306.85         95
                                       7.500          2,306.85
    MACOMB TWP       MI   48044          1            08/23/02         11
    0434549754                           05           10/01/02         30
    245196                               O            09/01/32
    0

    8011841          738/G02             F          126,000.00         ZZ
                                         360        126,000.00          1
                                       7.750            902.68         80
                                       7.500            902.68
    PLANTATION       FL   33324          1            08/29/02         00
    0434521845                           01           10/01/02          0
    00405544390003                       O            09/01/32
    0

    8011939          P63/G02             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.625          3,073.49         80
                                       6.375          3,073.49
    WHITE PLAINS     NY   10606          1            08/22/02         00
    0434504197                           05           10/01/02          0
    20203219                             O            09/01/32
    0

    8011977          X19/G02             F          136,000.00         ZZ
                                         360        136,000.00          2
                                       6.625            870.82         80
                                       6.375            870.82
    SOUTHINGTON      CT   06479          1            08/30/02         00
    0434554374                           05           10/01/02          0
    22072905                             N            09/01/32
    0

    8013301          964/G02             F          275,000.00         T
                                         360        275,000.00          1
                                       7.125          1,852.73         44
                                       6.875          1,852.73
    TAHOMA           CA   96142          5            08/07/02         00
    0434501920                           05           10/01/02          0
    235536                               O            09/01/32
    0

    8013371          964/G02             F          110,800.00         ZZ
                                         360        110,800.00          1
                                       7.000            737.16         80
                                       6.750            737.16
1

    PRESCOTT         AZ   86301          1            08/07/02         00
    0434500708                           05           10/01/02          0
    236110                               N            09/01/32
    0

    8013451          964/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       7.000          1,224.16         80
                                       6.750          1,224.16
    WEST VALLEY CIT  UT   84119          2            08/12/02         00
    0434504593                           05           10/01/02          0
    210203                               N            09/01/32
    0

    8013495          B28/G02             F           61,200.00         ZZ
                                         360         61,200.00          1
                                       6.750            396.95         80
                                       6.500            396.95
    FLORISSANT       CO   80816          1            08/28/02         00
    0434520789                           05           10/01/02          0
    05900235                             O            09/01/32
    0

    8013579          Q73/G02             F           78,500.00         ZZ
                                         360         78,500.00          1
                                       7.000            522.26         59
                                       6.750            522.26
    WEST MONROE      LA   71291          2            08/21/02         00
    0434541850                           05           10/01/02          0
    2958464                              O            09/01/32
    0

    8013685          E22/G02             F          117,900.00         ZZ
                                         360        117,900.00          1
                                       6.750            764.70         90
                                       6.500            764.70
    ALGONA           WA   98001          1            08/20/02         01
    0414267286                           05           10/01/02         25
    0414267286                           O            09/01/32
    0

    8013769          E22/G02             F          165,000.00         ZZ
                                         360        165,000.00          1
                                       7.375          1,139.61         95
                                       7.125          1,139.61
    FONTANA          CA   92335          2            08/29/02         04
    0414689810                           05           10/01/02         30
    0414689810                           O            09/01/32
    0
1

    8014153          U05/G02             F          100,450.00         ZZ
                                         360        100,450.00          3
                                       7.250            685.25         95
                                       7.000            685.25
    PITTSBURGH       PA   15202          1            08/16/02         04
    0434531216                           05           10/01/02         30
    3253218                              O            09/01/32
    0

    8015103          Q14/G02             F          101,150.00         ZZ
                                         360        101,150.00          1
                                       7.750            724.65         85
                                       7.500            724.65
    NORWAY           IA   52318          5            08/30/02         01
    0434530275                           05           10/01/02         12
    0208556                              O            09/01/32
    0

    8015233          K15/G02             F          212,000.00         ZZ
                                         360        212,000.00          2
                                       6.875          1,392.69         80
                                       6.625          1,392.69
    BROOKLYN         NY   11237          5            08/23/02         00
    0434546172                           05           10/01/02          0
    011105300234                         O            09/01/32
    0

    8015537          U05/G02             F          149,000.00         ZZ
                                         360        149,000.00          2
                                       7.750          1,067.45        100
                                       7.500          1,067.45
    FORT LAUDERDALE  FL   33312          1            08/23/02         14
    0434536223                           05           10/01/02         35
    3243591                              O            09/01/32
    0

    8016851          Q14/G02             F           70,650.00         ZZ
                                         360         70,650.00          1
                                       7.625            500.06         90
                                       7.375            500.06
    OVERLAND PARK    KS   66212          1            08/29/02         01
    0434530226                           09           10/01/02         25
    0208799                              N            09/01/32
    0

    8018011          E22/G02             F          146,300.00         ZZ
                                         360        146,300.00          1
1

                                       7.375          1,010.46         95
                                       7.125          1,010.46
    WINCHESTER       VA   22602          2            09/04/02         01
    0414754499                           05           10/01/02         35
    0414754499                           O            09/01/32
    0

    8022153          964/G02             F           71,000.00         ZZ
                                         360         71,000.00          1
                                       7.500            496.44         45
                                       7.250            496.44
    STATELINE        NV   89449          5            08/09/02         00
    0434507117                           03           10/01/02          0
    236469                               N            09/01/32
    0

    8022721          696/G02             F          468,000.00         ZZ
                                         360        468,000.00          1
                                       6.625          2,996.66         80
                                       6.375          2,996.66
    WASHINGTON       DC   20007          1            08/28/02         00
    0434533154                           05           10/01/02          0
    31202278                             O            09/01/32
    0

    8025327          E22/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
                                       6.375          1,272.69         80
                                       6.125          1,272.69
    ROSEBURG         OR   97470          1            08/23/02         00
    0414660613                           05           10/01/02          0
    0414660613                           O            09/01/32
    0

    8034335          F61/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.625          1,925.42         56
                                       6.375          1,925.42
    SEATTLE          WA   98117          2            08/21/02         00
    0434527354                           05           10/01/02          0
    021401S                              O            09/01/32
    0

    8036677          E22/G02             F          276,000.00         ZZ
                                         360        276,000.00          1
                                       6.500          1,744.51         80
                                       6.250          1,744.51
    NEVADA CITY      CA   95959          1            08/26/02         00
    0414797605                           05           10/01/02          0
1

    0414797605                           O            09/01/32
    0

    8052746          758/G02             F           57,000.00         ZZ
                                         360         56,774.98          1
                                       7.250            388.84         95
                                       7.000            388.84
    SIERRA VISTA     AZ   85635          1            03/06/02         14
    0433927282                           01           05/01/02         30
    680282                               O            04/01/32
    0

    8248026          P33/G02             F           51,622.00         ZZ
                                         359         51,488.97          1
                                       8.250            387.82         80
                                       8.000            387.82
    MERRITT ISLAND   FL   32952          1            04/05/02         00
    0433927357                           05           06/01/02          0
    16390019                             N            04/01/32
    0

    8284824          E82/G02             F          528,300.00         ZZ
                                         360        525,996.98          2
                                       7.125          3,559.25         77
                                       6.875          3,559.25
    HONOLULU         HI   96822          2            03/01/02         00
    0400588091                           05           05/01/02          0
    0400588091                           O            04/01/32
    0

    8312958          E23/G02             F          252,000.00         ZZ
                                         360        251,435.42          4
                                       7.500          1,762.02         80
                                       7.250          1,762.02
    PAHRUMP          NV   89048          1            05/17/02         00
    0434319752                           05           07/01/02          0
    51013379                             N            06/01/32
    0

    8317772          R68/G02             F          160,000.00         ZZ
                                         360        159,730.39          1
                                       6.875          1,051.09         68
                                       6.625          1,051.09
    PEMBROKE PINES   FL   33028          1            06/28/02         00
    0434316147                           09           08/01/02          0
    7117057                              O            07/01/32
    0

1

    8318398          L20/G02             F           85,000.00         ZZ
                                         360         84,933.69          1
                                       7.250            579.85         50
                                       7.000            579.85
    RENO             NV   89523          1            07/03/02         00
    0434272191                           05           09/01/02          0
    611142                               N            08/01/32
    0

    8319340          L20/G02             F           85,000.00         ZZ
                                         360         84,933.69          1
                                       7.250            579.85         50
                                       7.000            579.85
    RENO             NV   89523          1            07/11/02         00
    0434324943                           05           09/01/02          0
    611155                               N            08/01/32
    0

    8319972          M96/G02             F          120,500.00         ZZ
                                         360        120,401.23          1
                                       7.000            801.69         43
                                       6.750            801.69
    HASTINGS         MI   49058          2            07/15/02         00
    0434353330                           05           09/01/02          0
    200201175                            O            08/01/32
    0

    8321096          E23/G02             F          212,000.00         ZZ
                                         360        211,817.47          2
                                       6.750          1,375.03         80
                                       6.500          1,375.03
    RESEDA           CA   91335          1            07/25/02         00
    0434346623                           05           09/01/02          0
    11012151                             O            08/01/32
    0

    8321544          E23/G02             F          227,900.00         ZZ
                                         360        227,698.93          1
                                       6.625          1,459.27         78
                                       6.375          1,459.27
    SAN DIEGO        CA   92126          5            07/17/02         00
    0434376968                           05           09/01/02          0
    11012359                             O            08/01/32
    0

    8322238          E23/G02             F          149,500.00         ZZ
                                         360        149,383.38          1
                                       7.250          1,019.85         65
                                       7.000          1,019.85
1

    ESCONDIDO        CA   92025          5            07/24/02         00
    0434400529                           05           09/01/02          0
    51016120                             O            08/01/32
    0

    8322490          E23/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.875          1,478.09         62
                                       6.625          1,478.09
    SAN DIEGO        CA   92117          5            08/01/02         00
    0434446811                           05           10/01/02          0
    11011986                             O            09/01/32
    0

    8322984          W98/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.875            893.42         80
                                       6.625            893.42
    NORFOLK          VA   23502          5            08/09/02         00
    0434451217                           05           10/01/02          0
    F0207007                             N            09/01/32
    0

    8322990          W98/G02             F          415,000.00         ZZ
                                         360        415,000.00          1
                                       6.750          2,691.68         80
                                       6.500          2,691.68
    LEESBURG         VA   20175          5            08/09/02         00
    0434497095                           03           10/01/02          0
    9249854                              O            09/01/32
    0

    8323174          E23/G02             F          270,000.00         ZZ
                                         360        270,000.00          1
                                       6.875          1,773.71         71
                                       6.625          1,773.71
    CONCORD          CA   94521          5            08/01/02         00
    0434457131                           05           10/01/02          0
    61006148                             O            09/01/32
    0

    8323188          E23/G02             F          170,400.00         ZZ
                                         360        170,400.00          1
                                       6.750          1,105.21         80
                                       6.500          1,105.21
    CHINO HILLS      CA   91709          1            08/05/02         00
    0434446399                           03           10/01/02          0
    51017112                             O            09/01/32
    0
1

    8323192          E23/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.625          1,792.87         80
                                       6.375          1,792.87
    ORANGE           CA   92867          5            08/08/02         00
    0434444352                           05           10/01/02          0
    51017300                             O            09/01/32
    0

    8323864          R68/G02             F          251,500.00         ZZ
                                         360        251,500.00          4
                                       7.750          1,801.78         90
                                       7.500          1,801.78
    POMPANO BEACH    FL   33062          1            08/30/02         10
    0434532255                           05           10/01/02         25
    7225267                              N            09/01/32
    0

    8324172          E23/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.750          1,816.07         59
                                       6.500          1,816.07
    GLENDALE         CA   91201          5            08/07/02         00
    0434467577                           05           10/01/02          0
    51016550                             O            09/01/32
    0

    8324200          L68/G02             F          212,400.00         ZZ
                                         360        212,400.00          1
                                       6.750          1,377.62         90
                                       6.500          1,377.62
    LINGWOOD         WA   98037          2            08/07/02         14
    0434525275                           05           10/01/02         25
    7265009                              O            09/01/32
    0

    8324648          E23/G02             F          370,000.00         ZZ
                                         360        370,000.00          1
                                       7.250          2,524.05         72
                                       7.000          2,524.05
    SANTA ROSA       CA   95403          5            08/21/02         00
    0434561825                           05           10/01/02          0
    62002514                             O            09/01/32
    0

    8326262          E23/G02             F          298,750.00         ZZ
                                         360        298,750.00          1
1

                                       6.625          1,912.93         80
                                       6.375          1,912.93
    EL CAJON         CA   92019          1            08/22/02         00
    0434530937                           05           10/01/02          0
    11013117                             O            09/01/32
    0

    8326470          E23/G02             F          301,750.00         ZZ
                                         360        301,750.00          1
                                       6.750          1,957.14         85
                                       6.500          1,957.14
    RIVERSIDE        CA   92508          1            08/28/02         04
    0434547758                           05           10/01/02         12
    51017168                             O            09/01/32
    0

   TOTAL NUMBER OF LOANS   :      2,322

   TOTAL ORIGINAL BALANCE  :   372,115,574.61

   TOTAL PRINCIPAL BALANCE :   371,546,460.24

   TOTAL ORIGINAL P+I      :     2,513,197.15

   TOTAL CURRENT P+I       :     2,513,197.16

                             ***************************
                             *      END OF REPORT      *
                             ***************************

                                       52
<PAGE>

                                   EXHIBIT TWO

                         SCHEDULE OF DISCOUNT FRACTIONS

<TABLE>
<CAPTION>

                                         Schedule of Discount Fractions

      Loan Number         Current Balance        Net Mortgage Rate       Discount Fraction      PO Balance
<S>     <C>                 <C>                       <C>                     <C>                 <C>
        7791899             $99,818.71                6.220%                  0.4800%             $479.13
        7805835             $299,442.80               6.095%                  2.4800%            $7,426.18
        7809143             $254,240.13               6.220%                  0.4800%            $1,220.35
        7815939             $205,617.40               6.095%                  2.4800%            $5,099.31
        7831295             $244,544.96               6.095%                  2.4800%            $6,064.72
        7878737             $231,790.27               6.220%                  0.4800%            $1,112.59
        7884361             $191,822.16               6.095%                  2.4800%            $4,757.19
        7885243             $194,646.49               6.220%                  0.4800%             $934.30
        7889613             $129,882.48               6.220%                  0.4800%             $623.44
        7889977             $91,702.09                6.220%                  0.4800%             $440.17
        7890497             $167,844.40               6.095%                  2.4800%            $4,162.54
        7892151             $119,888.86               6.095%                  2.4800%            $2,973.24
        7892509             $167,844.40               6.095%                  2.4800%            $4,162.54
        7897999             $144,868.92               6.220%                  0.4800%             $695.37
        7898153             $429,611.28               6.220%                  0.4800%            $2,062.13
        7907221             $157,857.16               6.220%                  0.4800%             $757.71
        7909923             $46,955.40                5.970%                  4.4800%            $2,103.60
        7909945             $79,079.61                6.095%                  2.4800%            $1,961.17
        7909955             $202,816.48               6.220%                  0.4800%             $973.52
        7910335             $159,851.81               6.095%                  2.4800%            $3,964.32
        7910895             $119,891.52               6.220%                  0.4800%             $575.48
        7915559             $134,375.42               6.095%                  2.4800%            $3,332.51
        7915763             $649,312.48               6.220%                  0.4800%            $3,116.70
        7916469             $420,000.00               6.220%                  0.4800%            $2,016.00
        7917493             $162,952.56               6.220%                  0.4800%             $782.17
        7919415             $95,693.05                6.220%                  0.4800%             $459.33
        7920733             $90,318.28                6.220%                  0.4800%             $433.53
        7922665             $189,828.24               6.220%                  0.4800%             $911.18
        7924189             $247,500.00               6.095%                  2.4800%            $6,138.00
        7925421             $597,000.00               6.220%                  0.4800%            $2,865.60
        7929979             $235,000.00               6.095%                  2.4800%            $5,828.00
        7930397             $225,000.00               5.970%                  4.4800%           $10,080.00
        7930405             $200,000.00               6.095%                  2.4800%            $4,960.00
        7930447             $123,588.17               6.220%                  0.4800%             $593.22
        7930449             $300,421.49               6.095%                  2.4800%            $7,450.45
        7930455             $94,909.86                5.970%                  4.4800%            $4,251.96
        7930463             $149,861.07               6.095%                  2.4800%            $3,716.55
        7930473             $292,728.62               6.095%                  2.4800%            $7,259.67
        7930479             $238,700.00               5.845%                  6.4800%           $15,467.76
        7930485             $272,753.20               6.220%                  0.4800%            $1,309.22
        7930497             $155,000.00               6.095%                  2.4800%            $3,844.00
        7930511             $55,000.00                6.095%                  2.4800%            $1,364.00
        7930777             $408,000.00               6.220%                  0.4800%            $1,958.40
        7934733             $135,877.05               6.220%                  0.4800%             $652.21
        7936697             $499,547.98               6.220%                  0.4800%            $2,397.83
        7936819             $116,787.89               6.220%                  0.4800%             $560.58
        7938095             $121,600.00               6.220%                  0.4800%             $583.68
        7939975             $340,000.00               6.220%                  0.4800%            $1,632.00
        7940115             $299,000.00               6.095%                  2.4800%            $7,415.20
        7942545             $143,769.91               6.220%                  0.4800%             $690.10
        7943879             $383,200.00               6.220%                  0.4800%            $1,839.36
        7943893             $68,800.00                6.220%                  0.4800%             $330.24
        7944575             $174,841.80               6.220%                  0.4800%             $839.24

  Monday, September 23, 2002                                                                        Page 1 of 3
        7949157             $145,000.00               6.220%                  0.4800%             $696.00
        7949891             $147,866.21               6.220%                  0.4800%             $709.76
        7950155             $319,000.00               6.220%                  0.4800%            $1,531.20
        7950175             $76,160.00                6.220%                  0.4800%             $365.57
        7950313             $625,500.00               6.220%                  0.4800%            $3,002.40
        7950571             $118,500.00               5.970%                  4.4800%            $5,308.80
        7950629             $161,600.00               6.220%                  0.4800%             $775.68
        7952215             $113,197.57               6.220%                  0.4800%             $543.35
        7952371             $100,000.00               6.095%                  2.4800%            $2,480.00
        7952425             $97,600.00                6.220%                  0.4800%             $468.48
        7952487             $300,000.00               6.095%                  2.4800%            $7,440.00
        7952489             $352,000.00               6.220%                  0.4800%            $1,689.60
        7954095             $118,400.00               6.220%                  0.4800%             $568.32
        7957985             $155,100.00               6.220%                  0.4800%             $744.48
        7960889             $66,000.00                6.220%                  0.4800%             $316.80
        7961813             $713,354.53               6.220%                  0.4800%            $3,424.10
        7963471             $227,576.52               6.095%                  2.4800%            $5,643.90
        7963501             $239,564.88               6.220%                  0.4800%            $1,149.91
        7963527             $239,777.71               6.095%                  2.4800%            $5,946.49
        7963547             $225,894.71               6.220%                  0.4800%            $1,084.29
        7963555             $106,553.58               6.220%                  0.4800%             $511.46
        7963557             $74,930.53                6.095%                  2.4800%            $1,858.28
        7963565             $263,761.34               6.220%                  0.4800%            $1,266.05
        7963573             $194,823.71               6.220%                  0.4800%             $935.15
        7963617             $277,349.04               6.220%                  0.4800%            $1,331.28
        7963641             $196,700.55               6.220%                  0.4800%             $944.16
        7963807             $171,437.17               5.970%                  4.4800%            $7,680.39
        7963855             $193,325.08               6.220%                  0.4800%             $927.96
        7963869             $121,152.45               6.220%                  0.4800%             $581.53
        7963885             $197,821.01               6.220%                  0.4800%             $949.54
        7963937             $259,578.55               6.220%                  0.4800%            $1,245.98
        7963997             $294,233.77               6.220%                  0.4800%            $1,412.32
        7964009             $66,362.35                6.095%                  2.4800%            $1,645.79
        7964043             $239,777.71               6.095%                  2.4800%            $5,946.49
        7964075             $279,746.87               6.220%                  0.4800%            $1,342.79
        7964081             $245,178.16               6.220%                  0.4800%            $1,176.86
        7964085             $300,414.69               5.970%                  4.4800%           $13,458.58
        7964089             $190,827.33               6.220%                  0.4800%             $915.97
        7965733             $126,000.00               6.220%                  0.4800%             $604.80
        7967159             $108,000.00               6.220%                  0.4800%             $518.40
        7969805             $420,000.00               6.220%                  0.4800%            $2,016.00
        7974601             $280,000.00               6.095%                  2.4800%            $6,944.00
        7974671             $96,408.00                6.220%                  0.4800%             $462.76
        7976775             $131,900.00               6.095%                  2.4800%            $3,271.12
        7979859             $176,000.00               6.220%                  0.4800%             $844.80
        7980145             $336,000.00               6.220%                  0.4800%            $1,612.80
        7980713             $410,000.00               6.095%                  2.4800%           $10,168.00
        7981275             $103,660.00               6.095%                  2.4800%            $2,570.77
        7981281             $199,960.00               6.220%                  0.4800%             $959.81
        7981531             $103,500.00               6.095%                  2.4800%            $2,566.80
        7983493             $107,000.00               6.220%                  0.4800%             $513.60
        7984151             $100,000.00               6.095%                  2.4800%            $2,480.00
        7985607             $227,000.00               6.220%                  0.4800%            $1,089.60
        7986425             $135,200.00               6.220%                  0.4800%             $648.96
        7987907             $456,000.00               5.970%                  4.4800%           $20,428.80
        7988307             $128,600.00               6.220%                  0.4800%             $617.28
        7988377             $189,500.00               6.095%                  2.4800%            $4,699.60

  Monday, September 23, 2002                                                                        Page 2 of 3

        7989053             $313,203.07               6.220%                  0.4800%            $1,503.37
        7991749             $220,000.00               6.095%                  2.4800%            $5,456.00
        7993295             $117,000.00               6.220%                  0.4800%             $561.60
        7993731             $191,000.00               6.220%                  0.4800%             $916.80
        7993751             $156,000.00               6.095%                  2.4800%            $3,868.80
        7994545             $195,000.00               5.970%                  4.4800%            $8,736.00
        7994579             $176,000.00               5.970%                  4.4800%            $7,884.80
        7995027             $396,100.00               6.220%                  0.4800%            $1,901.28
        7995951             $276,000.00               6.220%                  0.4800%            $1,324.80
        7996149             $206,000.00               6.220%                  0.4800%             $988.80
        7997501             $132,000.00               6.220%                  0.4800%             $633.60
        7997583             $300,000.00               6.220%                  0.4800%            $1,440.00
        7999811             $238,400.00               6.220%                  0.4800%            $1,144.32
        8001241             $367,500.00               6.220%                  0.4800%            $1,764.00
        8001611             $581,200.00               5.970%                  4.4800%           $26,037.76
        8002953             $459,000.00               6.095%                  2.4800%           $11,383.20
        8005213             $84,000.00                6.220%                  0.4800%             $403.20
        8009423             $268,000.00               6.095%                  2.4800%            $6,646.40
        8011135             $118,400.00               6.220%                  0.4800%             $568.32
        8011615             $435,000.00               6.095%                  2.4800%           $10,788.00
        8025327             $204,000.00               6.095%                  2.4800%            $5,059.20
        8036677             $276,000.00               6.220%                  0.4800%            $1,324.80

  Monday, September 23, 2002                                                                        Page 3 of 3

</TABLE>

<PAGE>

                                  EXHIBIT THREE

                          INFORMATION TO BE INCLUDED IN
                       MONTHLY DISTRIBUTION DATE STATEMENT

(i) (a) the amount of such distribution to the  Certificateholders of such Class
applied  to  reduce  the  Certificate  Principal  Balance  thereof,  and (b) the
aggregate amount included therein representing Principal Prepayments;

(ii) the amount of such  distribution  to Holders of such Class of  Certificates
allocable to interest;

(iii) if the  distribution  to the Holders of such Class of Certificates is less
than the full amount that would be  distributable  to such Holders if there were
sufficient funds available therefor, the amount of the shortfall;

(iv) the amount of any Advance by the Master Servicer pursuant to Section 4.04;

(v) the number and Pool Stated  Principal  Balance of the  Mortgage  Loans after
giving effect to the distribution of principal on such Distribution Date;

(vi) the aggregate  Certificate  Principal Balance of each Class of Certificates
and each of the Senior Percentage and Subordinate Class Percentage, after giving
effect  to  the  amounts  distributed  on  such  Distribution  Date,  separately
identifying any reduction  thereof due to Realized Losses other than pursuant to
an actual distribution of principal;

(vii) the  related  Subordinate  Principal  Distribution  Amount and  Prepayment
Distribution Percentage, if applicable;

(viii) on the basis of the most recent reports furnished to it by Sub-Servicers,
the  number  and  aggregate  principal  balances  of  Mortgage  Loans  that  are
Delinquent (A) 30-59 days, (B) 60-89 days and (C) 90 or more days and the number
and aggregate principal balance of Mortgage Loans that are in foreclosure;

(ix)  the  number,  aggregate  principal  balance  and  book  value  of any  REO
Properties;

(x) the aggregate  Accrued  Certificate  Interest  remaining unpaid, if any, for
each Class of Certificates, after giving effect to the distribution made on such
Distribution Date;

(xi) the Special  Hazard Amount,  Fraud Loss Amount and Bankruptcy  Amount as of
the close of business on such  Distribution Date and a description of any change
in the calculation of such amounts;

(xii) the weighted  average Pool Strip Rate for such  Distribution  Date and the
Pass-Through  Rate with respect to the Class A-V Certificates and each Subclass,
if any, thereof;

(xiii) the  Pass-Through  Rates on the Floater  Certificates and Inverse Floater
Certificates for such Distribution Date,  separately  identifying LIBOR for such
Distribution Date;

                                       1
<PAGE>

(xiv)  the  Notional  Amount  with  respect  to  each  class  of  Interest  Only
Certificates and each Subclass Notional Amount;

(xv) the  occurrence  of the Credit  Support  Depletion  Date and the  Accretion
Termination Date;

(xvi) the related Senior Accelerated  Distribution Percentage applicable to such
distribution;

(xvii)  the related Senior Percentage for such Distribution Date;

(xviii) the aggregate amount of Realized Losses for such Distribution Date;

(xix) the aggregate amount of any recoveries on previously foreclosed loans from
Sellers due to a breach of a representation  or warranty assigned to the Trustee
pursuant to Section 2.04;

(xx) the weighted average remaining term to maturity of the Mortgage Loans after
giving effect to the amounts distributed on such Distribution Date; and

(xxi) the weighted  average  Mortgage  Rates of the Mortgage  Loans after giving
effect to the amounts distributed on such Distribution Date.

        In the case of  information  furnished  pursuant to clauses (i) and (ii)
above,  the amounts shall be expressed as a dollar amount per Certificate with a
$1,000 denomination.

        The Trustee's internet website, and assistance in using the website, can
be  obtained  by  calling  the  Trustee's  Shareholder  Relations  desk at (800)
735-7777.  To receive this statement via first class mail, telephone the Trustee
at (800) 735-7777.

                                       2
<PAGE>

                                  EXHIBIT FOUR

                     STANDARD TERMS OF POOLING AND SERVICING
                      AGREEMENT DATED AS OF AUGUST 1, 2002

                                 EXECUTION COPY

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

                                STANDARD TERMS OF
                         POOLING AND SERVICING AGREEMENT

                           Dated as of August 1, 2002

                        Residential Accredit Loans, Inc.
                 Mortgage Asset-Backed Pass-Through Certificates

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

<PAGE>
<TABLE>
<CAPTION>

                                TABLE OF CONTENTS

                                                                                            PAGE

                                                -i-

<S>                                                                                        <C>
Article I         DEFINITIONS...............................................................2

        Section 1.01. Definitions...........................................................2

        Section 1.02. Use of Words and Phrases.............................................31

Article II        CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........32

        Section 2.01. Conveyance of Mortgage Loans.........................................32

        Section 2.02. Acceptance by Trustee................................................38

        Section 2.03. Representations, Warranties and Covenants of the Master Servicer
               and the Company.............................................................39

        Section 2.04. Representations and Warranties of Sellers............................41

        Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates
               Evidencing Interests in REMIC I Certificates................................43

        Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests;
               Acceptance by the Trustee...................................................43

        Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II............43

        Section 2.08. Purposes and Powers of the Trust.....................................43

Article III       ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................44

        Section 3.01. Master Servicer to Act as Servicer...................................44

        Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement
               of Subservicers' and Sellers' Obligations...................................45

        Section 3.03. Successor Subservicers...............................................46

        Section 3.04. Liability of the Master Servicer.....................................47

        Section 3.05. No Contractual Relationship Between Subservicer and Trustee or
               Certificateholders..........................................................47

        Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee..... 47

        Section 3.07. Collection of Certain Mortgage Loan Payments;  Deposits to Custodial Account
               48

        Section 3.08. Subservicing Accounts; Servicing Accounts............................50

        Section 3.09. Access to Certain Documentation and  Information Regarding the
                        Mortgage Loans ....................................................52

        Section 3.10. Permitted Withdrawals from the Custodial Account.....................52

<PAGE>

        Section 3.11. Maintenance of the Primary Insurance  Policies; Collections Thereunder54

        Section 3.12. Maintenance of Fire Insurance and  Omissions and Fidelity Coverage...55

        Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and  Modification Agreements;
               Certain Assignments.........................................................56

        Section 3.14. Realization Upon Defaulted Mortgage Loans............................58

        Section 3.15. Trustee to Cooperate; Release of Mortgage Files......................61

        Section 3.16. Servicing and Other Compensation; Compensating Interest..............63

        Section 3.17. Reports to the Trustee and the Company...............................64

        Section 3.18. Annual Statement as to Compliance....................................64

        Section 3.19. Annual Independent Public Accountants' Servicing Report..............64

        Section 3.20. Rights of the Company in Respect of the Master Servicer..............65

        Section 3.21. Administration of Buydown Funds......................................65

Article IV        PAYMENTS TO CERTIFICATEHOLDERS...........................................67

        Section 4.01. Certificate Account..................................................67

        Section 4.02. Distributions........................................................67

        Section 4.03. Statements to Certificateholders.....................................67

        Section 4.04. Distribution of Reports to the Trustee and  the Company; Advances by the
               Master Servicer.............................................................68

        Section 4.05. Allocation of Realized Losses........................................70

        Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property........70

        Section 4.07. Optional Purchase of Defaulted Mortgage Loans........................70

        Section 4.08. Surety Bond..........................................................70

Article V         THE CERTIFICATES.........................................................72

        Section 5.01. The Certificates.....................................................72

        Section 5.02. Registration of Transfer and Exchange of Certificates................74

        Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates....................79

        Section 5.04. Persons Deemed Owners................................................80

        Section 5.05. Appointment of Paying Agent..........................................80
<PAGE>

Article VI        THE COMPANY AND THE MASTER SERVICER......................................81

        Section 6.01. Respective Liabilities of the Company and the Master Servicer........81

        Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of
               Rights and Delegation of Duties by Master Servicer..........................81

        Section 6.03. Limitation on Liability of the Company,  the Master Servicer and Others 82

        Section 6.04. Company and Master Servicer Not to Resign............................83

Article VII       DEFAULT..................................................................84

        Section 7.01. Events of Default....................................................84

        Section 7.02. Trustee or Company to Act; Appointment of Successor..................86

        Section 7.03. Notification to Certificateholders...................................87

        Section 7.04. Waiver of Events of Default..........................................87

Article VIII      CONCERNING THE TRUSTEE...................................................88

        Section 8.01. Duties of Trustee....................................................88

        Section 8.02. Certain Matters Affecting the Trustee................................89

        Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans................91

        Section 8.04. Trustee May Own Certificates.........................................91

        Section 8.05. Master Servicer to Pay Trustee's Fees  and Expenses; Indemnification.91

        Section 8.06. Eligibility Requirements for Trustee.................................92

        Section 8.07. Resignation and Removal of the Trustee...............................93

        Section 8.08. Successor Trustee....................................................93

        Section 8.09. Merger or Consolidation of Trustee...................................94

        Section 8.10. Appointment of Co-Trustee or Separate Trustee........................94

        Section 8.11. Appointment of Custodians............................................95

        Section 8.12. Appointment of Office or Agency......................................96

Article IX        TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES.....................97

        Section 9.01. Optional  Purchase by the Master Servicer of All Certificates; Termination
               Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans...97
<PAGE>

        Section 9.02. Additional Termination Requirements.................................100

        Section 9.03. Termination of Multiple REMICs......................................101

Article X         REMIC PROVISIONS........................................................102

        Section 10.01.REMIC Administration................................................102

        Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification....105

        Section 10.03.Designation of REMIC(s).............................................106

Article XI        MISCELLANEOUS PROVISIONS................................................107

        Section 11.01.Amendment...........................................................107

        Section 11.02.Recordation of Agreement; Counterparts..............................109

        Section 11.03.Limitation on Rights of Certificateholders..........................110

        Section 11.04.Governing Law.......................................................110

        Section 11.05.Notices.............................................................111

        Section 11.06.Required Notices to Rating Agency and Subservicer...................111

        Section 11.07.Severability of Provisions..........................................111

        Section 11.08.Supplemental Provisions for Resecuritization........................112

        Section 11.09.Allocation of Voting Rights.........................................112

        Section 11.10.No Petition.........................................................112

<PAGE>

                                    EXHIBITS

Exhibit A:      Form of Class A Certificate
Exhibit B:      Form of Class M Certificate
Exhibit C:      Form of Class B Certificate
Exhibit D:      Form of Class R Certificate
Exhibit E:      Form of Seller/Servicer Contract
Exhibit F:      Forms of Request for Release
Exhibit G-1:    Form of Transfer Affidavit and Agreement
Exhibit G-2:    Form of Transferor Certificate
Exhibit H:      Form of Investor Representation Letter
Exhibit I:      Form of Transferor Representation Letter
Exhibit J:      Form of Rule 144A Investment Representation Letter
Exhibit K:      Text of Amendment to Pooling and Servicing Agreement
                Pursuant to Section 11.01(e) for a Limited Guaranty
Exhibit L:      Form of Limited Guaranty
Exhibit M:      Form of Lender Certification for Assignment of Mortgage Loan
Exhibit N:      Request for Exchange Form

</TABLE>

<PAGE>

        This is the Standard Terms of Pooling and Servicing Agreement,  dated as
of August 1, 2002 (the "Standard Terms", and as incorporated by reference into a
Series  Supplement  dated as of the Cut-off  Date,  the "Pooling  and  Servicing
Agreement" or  "Agreement"),  among  RESIDENTIAL  ACCREDIT  LOANS,  INC., as the
company  (together with its permitted  successors and assigns,  the  "Company"),
RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted
successors  and assigns,  the "Master  Servicer"),  and the trustee named in the
applicable  Series  Supplement  (together  with  its  permitted  successors  and
assigns, the "Trustee").

                             PRELIMINARY STATEMENT:

        The Company intends to sell certain mortgage  asset-backed  pass-through
certificates  (collectively,  the  "Certificates"),   to  be  issued  under  the
Agreement in multiple  classes,  which in the aggregate will evidence the entire
beneficial ownership interest in the Mortgage Loans.

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

<PAGE>

                                   ARTICLE I

                                   DEFINITIONS

Section 1.01.  Definitions.

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

        Accretion Termination Date:  As defined in the Series Supplement.

        Accrual Certificates:  As defined in the Series Supplement.

        Accrued Certificate Interest: With respect to each Distribution Date, as
to any  Class  or  Subclass  of  Certificates  (other  than any  Principal  Only
Certificates),  interest  accrued during the related  Interest Accrual Period at
the related  Pass-Through Rate on the Certificate  Principal Balance or Notional
Amount thereof  immediately prior to such Distribution Date. Accrued Certificate
Interest will be calculated on the basis of a 360-day year, consisting of twelve
30-day  months.  In each  case  Accrued  Certificate  Interest  on any  Class or
Subclass of Certificates will be reduced by the amount of:

        (i)    Prepayment  Interest  Shortfalls on all Mortgage Loans or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans in the  related  Loan  Group (to the  extent  not
               offset by the  Master  Servicer  with a payment  of  Compensating
               Interest as provided in Section 4.01),

         (ii)  the interest  portion  (adjusted to the Net Mortgage Rate (or the
               Modified  Net  Mortgage  Rate in the case of a Modified  Mortgage
               Loan))  of  Realized  Losses  on all  Mortgage  Loans  or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans  in the  related  Loan  Group  (including  Excess
               Special Hazard  Losses,  Excess Fraud Losses,  Excess  Bankruptcy
               Losses and  Extraordinary  Losses) not allocated solely to one or
               more specific Classes of Certificates pursuant to Section 4.05,

         (iii) the interest  portion of Advances that were (A)  previously  made
               with  respect to a Mortgage  Loan or REO Property on all Mortgage
               Loans or, if the  Mortgage  Pool is comprised of two or more Loan
               Groups,  on the Mortgage  Loans in the related Loan Group,  which
               remained  unreimbursed  following  the  Cash  Liquidation  or REO
               Disposition  of such  Mortgage  Loan or REO Property and (B) made
               with respect to delinquencies that were ultimately  determined to
               be Excess  Special  Hazard  Losses,  Excess Fraud Losses,  Excess
               Bankruptcy Losses or Extraordinary Losses, and

        (iv)   any other interest  shortfalls  not covered by the  subordination
               provided by the Class M  Certificates  and Class B  Certificates,
               including  interest  that is not  collectible  from the Mortgagor
               pursuant to the Soldiers' and Sailors'  Civil Relief Act of 1940,
               as amended,  or similar  legislation  or regulations as in effect
               from time to time,

                                       2
<PAGE>

with  all  such  reductions  allocated  (A)  among  all of the  Certificates  in
proportion to their respective amounts of Accrued  Certificate  Interest payable
on such  Distribution Date absent such reductions or (B) if the Mortgage Pool is
comprised  of two or more Loan Groups,  the related  Senior  Percentage  of such
reductions among the related Senior Certificates in proportion to the amounts of
Accrued  Certificate  Interest  payable  from  the  related  Loan  Group on such
Distribution Date absent such reductions,  with the remainder of such reductions
allocated among the holders of the Class M Certificates and Class B Certificates
in  proportion  to their  respective  amounts  of Accrued  Certificate  Interest
payable on such  Distribution  Date absent such reductions.  In addition to that
portion of the reductions described in the preceding sentence that are allocated
to any  Class  of Class B  Certificates  or any  Class of Class M  Certificates,
Accrued Certificate Interest on such Class of Class B Certificates or such Class
of Class M Certificates will be reduced by the interest portion (adjusted to the
Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of
Class B Certificates  or such Class of Class M Certificates  pursuant to Section
4.05.

     Addendum and Assignment  Agreement:  The Addendum and Assignment Agreement,
dated as of January 31, 1995, between MLCC and the Master Servicer.

        Additional  Collateral:  Any of the  following  held, in addition to the
related  Mortgaged  Property,  as security for a Mortgage  Loan:  (i) all money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
rights,  instruments,  documents,  deposit  accounts,  certificates  of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description now existing or hereafter acquired which is pledged
as  security  for  the  repayment  of  such  Mortgage  Loan,  (ii)   third-party
guarantees,  and (A) all money,  securities,  security  entitlements,  accounts,
general intangibles,  payment rights, instruments,  documents, deposit accounts,
certificates of deposit, commodities contracts and other investment property and
other  property of  whatever  kind or  description  now  existing  or  hereafter
acquired  which is pledged as collateral for such guarantee or (B) any mortgaged
property  securing  the  performance  of such  guarantee,  or (iii)  such  other
collateral as may be set forth in the Series Supplement.

     Additional  Collateral  Loan:  Each  Mortgage  Loan  that is  supported  by
Additional Collateral.

        Adjusted  Mortgage Rate:  With respect to any Mortgage Loan and any date
of determination, the Mortgage Rate borne by the related Mortgage Note, less the
rate at which the related Subservicing Fee accrues.

     Advance:  As to any Mortgage Loan, any advance made by the Master Servicer,
pursuant to Section 4.04.

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

                                       3
<PAGE>

     Ambac:  Ambac  Assurance  Corporation  (formerly  known as AMBAC  Indemnity
Corporation).

        Amount Held for Future  Distribution:  As to any Distribution  Date and,
with respect to any Mortgage  Pool that is comprised of two or more Loan Groups,
each Loan Group,  the total of the amounts held in the Custodial  Account at the
close  of  business  on the  preceding  Determination  Date  on  account  of (i)
Liquidation Proceeds, Subsequent Recoveries,  Insurance Proceeds,  Curtailments,
Mortgage Loan  purchases made pursuant to Section 2.02,  2.03,  2.04 or 4.07 and
Mortgage  Loan  substitutions  made pursuant to Section 2.03 or 2.04 received or
made in the  month  of such  Distribution  Date  (other  than  such  Liquidation
Proceeds,  Insurance  Proceeds and  purchases of Mortgage  Loans that the Master
Servicer has deemed to have been received in the  preceding  month in accordance
with Section 3.07(b)),  and Principal Prepayments in Full made after the related
Prepayment  Period, and (ii) payments which represent early receipt of scheduled
payments of  principal  and interest  due on a date or dates  subsequent  to the
related Due Date.

        Appraised  Value:  As to any Mortgaged  Property,  the lesser of (i) the
appraised value of such Mortgaged  Property based upon the appraisal made at the
time of the  origination of the related  Mortgage Loan, and (ii) the sales price
of the Mortgaged  Property at such time of origination,  except in the case of a
Mortgaged  Property  securing a refinanced or modified Mortgage Loan as to which
it is  either  the  appraised  value  determined  above or the  appraised  value
determined in an appraisal at the time of  refinancing or  modification,  as the
case may be.

        Assigned  Contracts:  With respect to any Pledged Asset Loan: the Credit
Support Pledge Agreement; the Funding and Pledge Agreement,  among GMAC Mortgage
Corporation,  National Financial Services Corporation and the Mortgagor or other
person pledging the related Pledged Assets; the Additional Collateral Agreement,
between GMAC Mortgage Corporation and the Mortgagor or other person pledging the
related  Pledged  Assets;  or such  other  contracts  as may be set forth in the
Series Supplement.

        Assignment:  An  assignment  of the  Mortgage,  notice  of  transfer  or
equivalent  instrument,  in recordable  form,  sufficient  under the laws of the
jurisdiction  wherein  the related  Mortgaged  Property is located to reflect of
record  the  sale  of the  Mortgage  Loan to the  Trustee  for  the  benefit  of
Certificateholders,   which   assignment,   notice  of  transfer  or  equivalent
instrument  may be in the  form  of one or  more  blanket  assignments  covering
Mortgages  secured  by  Mortgaged  Properties  located  in the same  county,  if
permitted by law and accompanied by an Opinion of Counsel to that effect.

        Assignment Agreement: The Assignment and Assumption Agreement, dated the
Closing  Date,  between  Residential  Funding  and the  Company  relating to the
transfer and assignment of the Mortgage Loans.

        Assignment of Proprietary Lease: With respect to a Cooperative Loan, the
assignment of the related Cooperative Lease from the Mortgagor to the originator
of the Cooperative Loan.

        Available  Distribution  Amount:  As to any Distribution  Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan Groups,  each Loan
Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage
Loans on deposit in the  Custodial  Account as of the close of  business  on the

                                       4
<PAGE>

immediately preceding  Determination Date, including any Subsequent  Recoveries,
and  amounts   deposited  in  the  Custodial  Account  in  connection  with  the
substitution  of Qualified  Substitute  Mortgage  Loans,  (ii) the amount of any
Advance made on the  immediately  preceding  Certificate  Account  Deposit Date,
(iii) any amount deposited in the Certificate Account on the related Certificate
Account Deposit Date pursuant to the second paragraph of Section  3.12(a),  (iv)
any amount  deposited in the Certificate  Account  pursuant to Section 4.07, (v)
any amount  that the Master  Servicer  is not  permitted  to  withdraw  from the
Custodial Account or the Certificate  Account pursuant to Section 3.16(e),  (vi)
any amount  received  by the  Trustee  pursuant to the Surety Bond in respect of
such  Distribution Date and (vii) the proceeds of any Pledged Assets received by
the Master  Servicer,  reduced by (b) the sum as of the close of business on the
immediately  preceding  Determination Date of (w) aggregate Foreclosure Profits,
(x) the Amount Held for Future  Distribution,  and (y) amounts  permitted  to be
withdrawn by the Master  Servicer from the  Custodial  Account in respect of the
Mortgage Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Such
amount shall be determined  separately for each Loan Group.  Additionally,  with
respect to any Mortgage Pool that is comprised of two or more Loan Groups, if on
any Distribution  Date  Compensating  Interest provided pursuant to this Section
3.16(e) is less than  Prepayment  Interest  Shortfalls  incurred on the Mortgage
Loans in connection with Principal  Prepayments in Full and Curtailments made in
the prior calendar month, such Compensating  Interest shall be allocated on such
Distribution Date to the Available  Distribution Amount for each Loan Group on a
pro rata basis in  accordance  with the  respective  amounts of such  Prepayment
Interest Shortfalls incurred on the Mortgage Loans in such Loan Group in respect
of such Distribution Date.

        Bankruptcy Code:  The Bankruptcy Code of 1978, as amended.
        ---------------

        Bankruptcy  Loss:  With  respect  to  any  Mortgage  Loan,  a  Deficient
Valuation or Debt Service Reduction; provided, however, that neither a Deficient
Valuation  nor a Debt  Service  Reduction  shall  be  deemed a  Bankruptcy  Loss
hereunder  so long as the Master  Servicer  has  notified the Trustee in writing
that the Master  Servicer is diligently  pursuing any remedies that may exist in
connection  with the  representations  and warranties made regarding the related
Mortgage  Loan and either (A) the related  Mortgage  Loan is not in default with
regard to payments due  thereunder or (B)  delinquent  payments of principal and
interest  under the related  Mortgage  Loan and any  premiums on any  applicable
primary hazard  insurance  policy and any related escrow  payments in respect of
such Mortgage Loan are being advanced on a current basis by the Master  Servicer
or a  Subservicer,  in either case  without  giving  effect to any Debt  Service
Reduction.

        Book-Entry  Certificate:  Any Certificate  registered in the name of the
Depository or its nominee,  and designated as such in the Preliminary  Statement
to the Series Supplement.

        Business  Day:  Any day other than (i) a Saturday  or a Sunday or (ii) a
day on which  banking  institutions  in the  State  of New  York,  the  State of
Michigan, the State of California or the State of Illinois (and such other state
or states in which the Custodial  Account or the Certificate  Account are at the
time located) are required or authorized by law or executive order to be closed.

                                       5
<PAGE>

        Buydown  Funds:  Any amount  contributed  by the  seller of a  Mortgaged
Property, the Company or other source in order to enable the Mortgagor to reduce
the payments  required to be made from the Mortgagor's  funds in the early years
of a  Mortgage  Loan.  Buydown  Funds  are not part of the Trust  Fund  prior to
deposit into the Custodial or Certificate Account.

        Buydown  Mortgage Loan: Any Mortgage Loan as to which a specified amount
of interest is paid out of related  Buydown Funds in  accordance  with a related
buydown agreement.

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

     Certificate Account Deposit Date: As to any Distribution Date, the Business
Day prior thereto.

        Certificateholder  or Holder:  The Person in whose name a Certificate is
registered  in  the  Certificate  Register,  and,  in  respect  of  any  Insured
Certificates,  the  Certificate  Insurer to the extent of  Cumulative  Insurance
Payments,  except that  neither a  Disqualified  Organization  nor a  Non-United
States  Person shall be a holder of a Class R  Certificate  for purposes  hereof
and, solely for the purpose of giving any consent or direction  pursuant to this
Agreement, any Certificate, other than a Class R Certificate,  registered in the
name of the Company,  the Master  Servicer or any  Subservicer  or any Affiliate
thereof shall be deemed not to be  outstanding  and the  Percentage  Interest or
Voting Rights  evidenced  thereby shall not be taken into account in determining
whether the requisite amount of Percentage  Interests or Voting Rights necessary
to effect any such consent or direction has been obtained. All references herein
to "Holders" or  "Certificateholders"  shall  reflect the rights of  Certificate
Owners as they may  indirectly  exercise such rights  through the Depository and
participating members thereof,  except as otherwise specified herein;  provided,
however,  that the  Trustee  shall be  required  to  recognize  as a "Holder" or
"Certificateholder" only the Person in whose name a Certificate is registered in
the Certificate Register.

        Certificate Insurer: As defined in the Series Supplement.

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

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

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

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

                                       6
<PAGE>

     (iii)in the  case of each  Accrual  Certificate,  an  amount  equal  to the
          aggregate  Accrued  Certificate  Interest  added  to  the  Certificate
          Principal Balance thereof prior to such date of determination, minus

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

provided,  that the  Certificate  Principal  Balance of each  Certificate of the
Class of  Subordinate  Certificates  with the Lowest  Priority at any given time
shall  be  further  reduced  by an  amount  equal  to  the  Percentage  Interest
represented  by such  Certificate  multiplied by the excess,  if any, of (A) the
then aggregate Certificate Principal Balance of all Classes of Certificates then
outstanding over (B) the then aggregate Stated Principal Balance of the Mortgage
Loans.

     Certificate Register and Certificate Registrar: The register maintained and
the registrar appointed pursuant to Section 5.02.

        Class:   Collectively,   all  of  the  Certificates   bearing  the  same
designation.  The initial Class A-V Certificates and any Subclass thereof issued
pursuant  to  Section  5.01(c)  shall be a single  Class  for  purposes  of this
Agreement.

     Class A-P Certificate:  Any one of the  Certificates  designated as a Class
A-P Certificate.

        Class A-P Collection Shortfall:  With respect to the Cash Liquidation or
REO  Disposition  of a Discount  Mortgage Loan and any  Distribution  Date,  the
excess of the  amount  described  in  Section  4.02(b)(i)(C)(1)  over the amount
described in Section 4.02(b)(i)(C)(2).

        Class A-P Principal Distribution Amount:  As defined in Section 4.02.

     Class A-V Certificate:  Any one of the  Certificates  designated as a Class
A-V Certificate, including any Subclass thereof.

        Class B Certificate:  Any one of the Certificates  designated as a Class
B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate.

        Class M Certificate:  Any one of the Certificates  designated as a Class
M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate.

        Closing Date:  As defined in the Series Supplement.

        Code:  The Internal Revenue Code of 1986.

     Combined  Collateral  LLC:  Combined  Collateral  LLC, a  Delaware  limited
liability company.

                                       7
<PAGE>

        Compensating Interest:  With respect to any Distribution Date, an amount
equal to Prepayment Interest Shortfalls resulting from Principal  Prepayments in
Full  during the related  Prepayment  Period and  Curtailments  during the prior
calendar  month and  included  in the  Available  Distribution  Amount  for such
Distribution  Date, but not more than the lesser of (a) one-twelfth of 0.125% of
the Stated Principal  Balance of the Mortgage Loans  immediately  preceding such
Distribution  Date and (b) the sum of the  Servicing Fee and all income and gain
on amounts held in the Custodial Account and the Certificate Account and payable
to the Certificateholders  with respect to such Distribution Date; provided that
for  purposes of this  definition  the amount of the  Servicing  Fee will not be
reduced pursuant to Section 7.02 except as may be required  pursuant to the last
sentence of such Section.

        Cooperative:  A private,  cooperative  housing corporation which owns or
leases land and all or part of a building or  buildings,  including  apartments,
spaces used for commercial  purposes and common areas therein and whose board of
directors authorizes, among other things, the sale of Cooperative Stock.

        Cooperative  Apartment:  A dwelling  unit in a  multi-dwelling  building
owned or leased by a  Cooperative,  which unit the  Mortgagor  has an  exclusive
right to  occupy  pursuant  to the  terms of a  proprietary  lease or  occupancy
agreement.

        Cooperative  Lease:  With respect to a Cooperative Loan, the proprietary
lease or occupancy agreement with respect to the Cooperative  Apartment occupied
by the Mortgagor and relating to the related  Cooperative  Stock, which lease or
agreement  confers an exclusive right to the holder of such Cooperative Stock to
occupy such apartment.

        Cooperative  Loans:  Any of the  Mortgage  Loans  made in  respect  of a
Cooperative  Apartment,  evidenced  by a  Mortgage  Note  and  secured  by (i) a
Security  Agreement,  (ii) the related  Cooperative Stock Certificate,  (iii) an
assignment of the Cooperative  Lease, (iv) financing  statements and (v) a stock
power (or other  similar  instrument),  and  ancillary  thereto,  a  recognition
agreement  between the Cooperative  and the originator of the Cooperative  Loan,
each of which was  transferred  and assigned to the Trustee  pursuant to Section
2.01 and are from time to time held as part of the Trust Fund.

     Cooperative   Stock:  With  respect  to  a  Cooperative  Loan,  the  single
outstanding class of stock,  partnership  interest or other ownership instrument
in the related Cooperative.

     Cooperative  Stock  Certificate:  With respect to a Cooperative  Loan,  the
stock certificate or other instrument evidencing the related Cooperative Stock.

        Credit Support Depletion Date: The first  Distribution Date on which the
Certificate Principal Balances of the Subordinate Certificates have been reduced
to zero.

        Credit Support Pledge  Agreement:  The Credit Support Pledge  Agreement,
dated as of  November  24,  1998,  among  the  Master  Servicer,  GMAC  Mortgage
Corporation, Combined Collateral LLC and The First National Bank of Chicago (now
known as Bank One, National Association), as custodian.

        Cumulative Insurance Payments:  As defined in the Series Supplement.

                                       8
<PAGE>

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

        Custodial  Account:  The  custodial  account  or  accounts  created  and
maintained pursuant to Section 3.07 in the name of a depository institution,  as
custodian for the holders of the Certificates,  for the holders of certain other
interests in mortgage loans serviced or sold by the Master  Servicer and for the
Master  Servicer,  into which the  amounts  set forth in  Section  3.07 shall be
deposited directly. Any such account or accounts shall be an Eligible Account.

        Custodial  Agreement:  An  agreement  that may be entered into among the
Company, the Master Servicer,  the Trustee and a Custodian pursuant to which the
Custodian will hold certain  documents  relating to the Mortgage Loans on behalf
of the Trustee.

        Custodian:  A custodian appointed pursuant to a Custodial Agreement.

        Cut-off Date  Principal  Balance:  As to any Mortgage  Loan,  the unpaid
principal  balance  thereof  at the  Cut-off  Date  after  giving  effect to all
installments of principal due on or prior thereto, whether or not received.

        Debt Service  Reduction:  With respect to any Mortgage Loan, a reduction
in the scheduled  Monthly Payment for such Mortgage Loan by a court of competent
jurisdiction in a proceeding under the Bankruptcy Code,  except such a reduction
constituting a Deficient  Valuation or any reduction that results in a permanent
forgiveness of principal.

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

     Definitive   Certificate:   Any   Certificate   other  than  a   Book-Entry
Certificate.

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

        Delinquent:  As used herein, a Mortgage Loan is considered to be: "30 to
59 days" or "30 or more days" delinquent when a payment due on any scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately  prior to the next following  monthly  scheduled due date; "60 to 89
days" or "60 or more days"  delinquent  when a payment due on any  scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately prior to the second following monthly scheduled due date; and so on.
The  determination  as to whether a Mortgage Loan falls into these categories is
made as of the close of business  on the last  business  day of each month.  For
example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of
the close of  business on July 31 would then be  considered  to be 30 to 59 days
delinquent.  Delinquency  information  as of the Cut-off Date is determined  and
prepared as of the close of business on the last business day immediately  prior
to the Cut-off Date.

                                       9
<PAGE>

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

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

     Destroyed  Mortgage  Note:  A  Mortgage  Note the  original  of  which  was
permanently lost or destroyed and has not been replaced.

        Determination Date: As defined in the Series Supplement.

        Discount  Fraction:  With respect to each Discount  Mortgage  Loan,  the
fraction  expressed as a percentage,  the numerator of which is the Discount Net
Mortgage Rate minus the Net Mortgage Rate (or the initial Net Mortgage Rate with
respect to any Discount Mortgage Loans as to which the Mortgage Rate is modified
pursuant to 3.07(a)) for such Mortgage Loan and the  denominator of which is the
Discount Net Mortgage Rate. The Discount  Fraction with respect to each Discount
Mortgage Loan is set forth as an exhibit attached to the Series Supplement.

        Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate (or
the initial Net Mortgage  Rate) of less than the Discount Net Mortgage  Rate per
annum and any Mortgage  Loan deemed to be a Discount  Mortgage  Loan pursuant to
the definition of Qualified Substitute Mortgage Loan.

        Discount Net Mortgage Rate:  As defined in the Series Supplement.

        Disqualified  Organization:  Any organization defined as a "disqualified
organization"  under  Section  860E(e)(5)  of the  Code,  and  if not  otherwise
included,  any of the following:  (i) the United States,  any State or political
subdivision  thereof,  any  possession  of the United  States,  or any agency or
instrumentality of any of the foregoing (other than an instrumentality  which is
a corporation if all of its  activities  are subject to tax and,  except for the
Freddie  Mac, a  majority  of its board of  directors  is not  selected  by such
governmental unit), (ii) a foreign government,  any international  organization,
or any agency or instrumentality of any of the foregoing, (iii) any organization
(other than certain farmers' cooperatives  described in Section 521 of the Code)
which is exempt from the tax imposed by Chapter 1 of the Code (including the tax
imposed by Section 511 of the Code on unrelated  business taxable income),  (iv)
rural electric and telephone  cooperatives described in Section 1381(a)(2)(C) of
the Code, (v) any "electing large  partnership," as defined in Section 775(a) of
the Code and (vi) any other Person so  designated  by the Trustee  based upon an
Opinion  of  Counsel  that the  holding of an  Ownership  Interest  in a Class R
Certificate  by such  Person may cause the Trust  Fund or any  Person  having an
Ownership  Interest in any Class of  Certificates  (other  than such  Person) to
incur a liability  for any  federal  tax  imposed  under the Code that would not
otherwise be imposed but for the Transfer of an Ownership  Interest in a Class R
Certificate   to  such  Person.   The  terms   "United   States",   "State"  and
"international  organization"  shall have the meanings set forth in Section 7701
of the Code or successor provisions.

                                       10
<PAGE>

        Distribution  Date:  The 25th day of any  month  beginning  in the month
immediately  following the month of the initial issuance of the Certificates or,
if such 25th day is not a Business Day, the Business Day  immediately  following
such 25th day.

     Due Date: With respect to any Distribution  Date and any Mortgage Loan, the
day during the related Due Period on which the Monthly Payment is due.

     Due Period: With respect to any Distribution Date, the one-month period set
forth in the Series Supplement.

        Eligible  Account:  An  account  that  is  any  of  the  following:  (i)
maintained with a depository institution the debt obligations of which have been
rated by each Rating Agency in its highest rating available,  or (ii) an account
or accounts in a depository institution in which such accounts are fully insured
to the limits established by the FDIC, provided that any deposits not so insured
shall, to the extent  acceptable to each Rating Agency, as evidenced in writing,
be maintained such that (as evidenced by an Opinion of Counsel  delivered to the
Trustee and each Rating Agency) the registered  Holders of  Certificates  have a
claim with  respect to the funds in such account or a perfected  first  security
interest   against  any   collateral   (which  shall  be  limited  to  Permitted
Investments)  securing  such  funds  that is  superior  to  claims  of any other
depositors or creditors of the depository institution with which such account is
maintained,  or (iii) in the case of the Custodial  Account,  a trust account or
accounts  maintained in the  corporate  trust  department of Bank One,  National
Association,  or (iv) in the case of the Certificate Account, a trust account or
accounts  maintained in the corporate  trust division of the Trustee,  or (v) an
account or accounts of a depository institution acceptable to each Rating Agency
(as  evidenced in writing by each Rating  Agency that use of any such account as
the  Custodial  Account or the  Certificate  Account  will not reduce the rating
assigned to any Class of  Certificates  by such Rating Agency below the lower of
the  then-current  rating or the rating assigned to such  Certificates as of the
Closing Date by such Rating Agency).

        Event of Default:  As defined in Section 7.01.

     Excess  Bankruptcy  Loss: Any Bankruptcy  Loss, or portion  thereof,  which
exceeds the then applicable Bankruptcy Amount.

     Excess Fraud Loss:  Any Fraud Loss, or portion  thereof,  which exceeds the
then applicable Fraud Loss Amount.

     Excess Special  Hazard Loss:  Any Special Hazard Loss, or portion  thereof,
that exceeds the then applicable Special Hazard Amount.

        Excess  Subordinate  Principal Amount:  With respect to any Distribution
Date on which  the  aggregate  Certificate  Principal  Balance  of the  Class of
Subordinate  Certificates  then  outstanding  with the Lowest  Priority is to be
reduced to zero and on which  Realized  Losses are to be allocated to such class
or classes,  the  excess,  if any,  of (i) the amount  that would  otherwise  be
distributable  in respect of principal on such class or classes of  Certificates
on such  Distribution  Date  over  (ii) the  excess,  if any,  of the  aggregate
Certificate   Principal  Balance  of  such  class  or  classes  of  Certificates

                                       11
<PAGE>

immediately  prior to such  Distribution  Date  over  the  aggregate  amount  of
Realized  Losses  to be  allocated  to  such  classes  of  Certificates  on such
Distribution  Date as  reduced  by any  amount  calculated  pursuant  to Section
4.02(b)(i)(E).  With  respect to any  Mortgage  Pool that is comprised of two or
more Loan  Groups,  the Excess  Subordinate  Principal  Amount will be allocated
between  each Loan  Group on a pro rata basis in  accordance  with the amount of
Realized   Losses   attributable  to  each  Loan  Group  and  allocated  to  the
Certificates on such Distribution Date.

        Extraordinary  Events: Any of the following conditions with respect to a
Mortgaged  Property  (or, with respect to a Cooperative  Loan,  the  Cooperative
Apartment)  or Mortgage  Loan  causing or  resulting  in a loss which causes the
liquidation of such Mortgage Loan:

(a)     losses that are of the type that would be covered by the  fidelity  bond
        and the errors and omissions  insurance policy required to be maintained
        pursuant to Section 3.12(b) but are in excess of the coverage maintained
        thereunder;

(b)     nuclear reaction or nuclear radiation or radioactive contamination,  all
        whether  controlled or uncontrolled,  and whether such loss be direct or
        indirect,  proximate  or  remote  or be in whole or in part  caused  by,
        contributed to or aggravated by a peril covered by the definition of the
        term "Special Hazard Loss";

(c)     hostile or warlike action in time of peace or war,  including  action in
        hindering,  combating  or  defending  against  an actual,  impending  or
        expected attack:

     1. by any  government or sovereign  power,  de jure or de facto,  or by any
authority maintaining or using military, naval or air forces; or

     2. by military, naval or air forces; or

     3. by an agent of any such government, power, authority or forces;

(d)  any weapon of war employing atomic fission or radioactive  force whether in
     time of peace or war; or

(e)  insurrection,  rebellion,  revolution,  civil war,  usurped power or action
     taken by  governmental  authority  in  hindering,  combating  or  defending
     against such an  occurrence,  seizure or  destruction  under  quarantine or
     customs  regulations,  confiscation  by order of any  government  or public
     authority; or risks of contraband or illegal transportation or trade.

     Extraordinary  Losses:  Any loss  incurred on a Mortgage  Loan caused by or
resulting from an Extraordinary Event.

        Fannie Mae: Federal National Mortgage Association, a federally chartered
and  privately  owned  corporation  organized  and  existing  under the  Federal
National Mortgage Association Charter Act, or any successor thereto.

                                       12
<PAGE>

     FASIT:  A "financial  asset  securitization  investment  trust"  within the
meaning of Section 860L of the Code.

        FDIC:  Federal Deposit Insurance Corporation or any successor thereto.

        Final  Distribution  Date:  The  Distribution  Date on which  the  final
distribution  in respect of the  Certificates  will be made  pursuant to Section
9.01, which Final  Distribution  Date shall in no event be later than the end of
the 90-day liquidation period described in Section 9.02.

        Fitch:  Fitch Ratings or its successor in interest.

        Foreclosure   Profits:   As  to  any   Distribution   Date  or   related
Determination  Date and any Mortgage  Loan,  the excess,  if any, of Liquidation
Proceeds,  Insurance Proceeds and REO Proceeds (net of all amounts  reimbursable
therefrom  pursuant to Section  3.10(a)(ii)) in respect of each Mortgage Loan or
REO Property for which a Cash  Liquidation  or REO  Disposition  occurred in the
related  Prepayment  Period over the sum of the unpaid principal balance of such
Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in
accordance  with Section 3.14) plus accrued and unpaid  interest at the Mortgage
Rate on such unpaid  principal  balance from the Due Date to which  interest was
last paid by the Mortgagor to the first day of the month  following the month in
which such Cash Liquidation or REO Disposition occurred.

     Fraud Losses:  Losses on Mortgage  Loans as to which there was fraud in the
origination of such Mortgage Loan.

        Freddie  Mac:  Federal  Home  Loan  Mortgage  Corporation,  a  corporate
instrumentality of the United States created and existing under Title III of the
Emergency Home Finance Act of 1970, as amended, or any successor thereto.

        Highest  Priority:  As of  any  date  of  determination,  the  Class  of
Subordinate  Certificates then outstanding with a Certificate  Principal Balance
greater than zero, with the earliest  priority for payments  pursuant to Section
4.02(a),  in the following  order:  Class M-1,  Class M-2, Class M-3, Class B-1,
Class B-2 and Class B-3 Certificates.

        Independent:  When used with respect to any specified Person, means such
a Person who (i) is in fact independent of the Company,  the Master Servicer and
the Trustee,  or any Affiliate thereof,  (ii) does not have any direct financial
interest or any material indirect financial interest in the Company,  the Master
Servicer or the Trustee or in an Affiliate  thereof,  and (iii) is not connected
with the Company,  the Master  Servicer or the Trustee as an officer,  employee,
promoter,  underwriter,  trustee, partner, director or person performing similar
functions.

        Initial  Certificate  Principal  Balance:  With respect to each Class of
Certificates, the Certificate Principal Balance of such Class of Certificates as
of the Cut-off Date, as set forth in the Series Supplement.

        Initial Monthly Payment Fund: An amount representing scheduled principal
amortization and interest at the Net Mortgage Rate for the Due Date in the first
Due Period  commencing  subsequent to the Cut-off Date for those  Mortgage Loans
for which the Trustee will not be entitled to receive such payment,  and as more
specifically defined in the Series Supplement.

                                       13
<PAGE>

        Initial  Notional  Amount:  With  respect  to any Class or  Subclass  of
Interest Only Certificates, the amount initially used as the principal basis for
the calculation of any interest payment amount, as more specifically  defined in
the Series Supplement.

      Initial Subordinate Class Percentage: As defined in the Series Supplement.

        Insurance  Proceeds:  Proceeds  paid in  respect of the  Mortgage  Loans
pursuant to any Primary  Insurance Policy or any other related  insurance policy
covering a Mortgage Loan  (excluding any  Certificate  Policy (as defined in the
Series  Supplement)),  to the extent such  proceeds are payable to the mortgagee
under the Mortgage, any Subservicer,  the Master Servicer or the Trustee and are
not applied to the  restoration  of the related  Mortgaged  Property  (or,  with
respect to a Cooperative Loan, the related Cooperative Apartment) or released to
the Mortgagor in accordance  with the procedures  that the Master Servicer would
follow in servicing mortgage loans held for its own account.

     Insurer:  Any named  insurer  under  any  Primary  Insurance  Policy or any
successor thereto or the named insurer in any replacement policy.

        Interest Accrual Period: As defined in the Series Supplement.

     Interest  Only  Certificates:  A Class  or  Subclass  of  Certificates  not
entitled  to  payments  of  principal,  and  designated  as such  in the  Series
Supplement.  The Interest Only Certificates  will have no Certificate  Principal
Balance.

        Interim Certification:  As defined in Section 2.02.

        International Borrower: In connection with any Mortgage Loan, a borrower
who  is (a) a  United  States  citizen  employed  in a  foreign  country,  (b) a
non-permanent resident alien employed in the United States or (c) a citizen of a
country  other than the United States with income  derived from sources  outside
the United States.

     Junior Certificateholder: The Holder of not less than 95% of the Percentage
Interests of the Junior Class of Certificates.

        Junior  Class of  Certificates:  The Class of  Subordinate  Certificates
outstanding  as of the date of the  repurchase  of a Mortgage  Loan  pursuant to
Section 4.07 herein that has the Lowest Priority.

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

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

                                       14
<PAGE>

        Loan Group:  Any group of Mortgage  Loans  designated as a separate loan
group in the Series  Supplement.  The  Certificates  relating to each Loan Group
will be designated in the Series Supplement.

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

        Lower  Priority:  As of any  date  of  determination  and any  Class  of
Subordinate  Certificates,  any other  Class of  Subordinate  Certificates  then
outstanding with a later priority for payments pursuant to Section 4.02 (a).

        Lowest  Priority:  As  of  any  date  of  determination,  the  Class  of
Subordinate  Certificates then outstanding with a Certificate  Principal Balance
greater than zero,  with the latest  priority  for payments  pursuant to Section
4.02(a),  in the following  order:  Class B-3,  Class B-2, Class B-1, Class M-3,
Class M-2 and Class M-1 Certificates.

        Maturity Date: The latest possible maturity date, solely for purposes of
Section   1.860G-1(a)(4)(iii)   of  the  Treasury  regulations,   by  which  the
Certificate  Principal  Balance of each Class of  Certificates  (other  than the
Interest Only Certificates which have no Certificate Principal Balance) and each
Uncertificated REMIC Regular Interest would be reduced to zero, as designated in
the Series Supplement.

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

        MERS(R)  System:   The  system  of  recording   transfers  of  Mortgages
electronically maintained by MERS.

     MIN: The Mortgage  Identification Number for Mortgage Loans registered with
MERS on the MERS(R) System.

        MLCC:  Merrill Lynch Credit Corporation, or its successor in interest.

     Modified  Mortgage  Loan:  Any Mortgage Loan that has been the subject of a
Servicing Modification.

        Modified Net Mortgage  Rate: As to any Mortgage Loan that is the subject
of a Servicing  Modification,  the Net Mortgage Rate minus the rate per annum by
which the Mortgage Rate on such Mortgage Loan was reduced.

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

                                       15
<PAGE>

        Monthly  Payment:  With respect to any Mortgage Loan  (including any REO
Property) and any Due Date, the payment of principal and interest due thereon in
accordance with the amortization  schedule at the time applicable thereto (after
adjustment,  if any, for  Curtailments  and for Deficient  Valuations  occurring
prior to such Due Date but before any adjustment to such  amortization  schedule
by reason of any  bankruptcy,  other  than a  Deficient  Valuation,  or  similar
proceeding or any  moratorium  or similar  waiver or grace period and before any
Servicing Modification that constitutes a reduction of the interest rate on such
Mortgage Loan).

        Moody's:  Moody's Investors Service, Inc., or its successor in interest.

        Mortgage:  With respect to each Mortgage Note related to a Mortgage Loan
which is not a Cooperative Loan, the mortgage, deed of trust or other comparable
instrument  creating  a first  lien on an  estate  in fee  simple  or  leasehold
interest in real property securing a Mortgage Note.

        Mortgage File: The mortgage  documents listed in Section 2.01 pertaining
to a particular Mortgage Loan and any additional  documents required to be added
to the Mortgage File pursuant to this Agreement.

        Mortgage Loans:  Such of the mortgage loans  transferred and assigned to
the Trustee  pursuant to Section 2.01 as from time to time are held or deemed to
be held as a part of the Trust Fund, the Mortgage Loans originally so held being
identified in the initial  Mortgage  Loan  Schedule,  and  Qualified  Substitute
Mortgage Loans held or deemed held as part of the Trust Fund including,  without
limitation,  (i) with respect to each  Cooperative  Loan,  the related  Mortgage
Note,  Security  Agreement,  Assignment of Proprietary Lease,  Cooperative Stock
Certificate,  Cooperative  Lease and Mortgage  File and all rights  appertaining
thereto,  and (ii) with respect to each  Mortgage  Loan other than a Cooperative
Loan,  each related  Mortgage  Note,  Mortgage and Mortgage  File and all rights
appertaining thereto.

        Mortgage Loan Schedule:  As defined in the Series Supplement.

        Mortgage  Note:  The  originally  executed  note or  other  evidence  of
indebtedness  evidencing the  indebtedness of a Mortgagor under a Mortgage Loan,
together with any modification thereto.

     Mortgage Pool: The pool of mortgage  loans,  including all Loan Groups,  if
any, consisting of the Mortgage Loans.

     Mortgage  Rate:  As to any Mortgage  Loan,  the interest  rate borne by the
related  Mortgage  Note,  or any  modification  thereto  other than a  Servicing
Modification.

        Mortgaged  Property:  The underlying  real property  securing a Mortgage
Loan or, with respect to a Cooperative  Loan, the related  Cooperative Lease and
Cooperative Stock.

        Mortgagor:  The obligor on a Mortgage Note.

        Net  Mortgage  Rate:  As to each  Mortgage  Loan,  a per  annum  rate of
interest  equal to the Adjusted  Mortgage  Rate less the per annum rate at which
the Servicing Fee is calculated.

                                       16
<PAGE>

     Non-Discount Mortgage Loan: A Mortgage Loan that is not a Discount Mortgage
Loan.

        Non-Primary Residence Loans: The Mortgage Loans designated as secured by
second or vacation  residences,  or by  non-owner  occupied  residences,  on the
Mortgage Loan Schedule.

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

        Nonrecoverable  Advance:  Any Advance  previously made or proposed to be
made by the Master  Servicer in respect of a Mortgage Loan (other than a Deleted
Mortgage Loan) which,  in the good faith judgment of the Master  Servicer,  will
not, or, in the case of a proposed Advance, would not, be ultimately recoverable
by the Master  Servicer  from  related  Late  Collections,  Insurance  Proceeds,
Liquidation  Proceeds,  REO  Proceeds  or  amounts  reimbursable  to the  Master
Servicer  pursuant to Section 4.02(a) hereof.  The  determination  by the Master
Servicer that it has made a Nonrecoverable  Advance or that any proposed Advance
would  constitute a Nonrecoverable  Advance,  shall be evidenced by an Officers'
Certificate delivered to the Company, the Trustee and any Certificate Insurer.

     Nonsubserviced  Mortgage  Loan:  Any  Mortgage  Loan  that,  at the time of
reference thereto, is not subject to a Subservicing Agreement.

        Notional Amount:  With respect to any Class or Subclass of Interest Only
Certificates,  an amount used as the principal  basis for the calculation of any
interest payment amount, as more specifically defined in the Series Supplement.

        Officers'  Certificate:  A  certificate  signed by the  Chairman  of the
Board,  the  President or a Vice  President or Assistant  Vice  President,  or a
Director or Managing Director,  and by the Treasurer,  the Secretary,  or one of
the Assistant  Treasurers or Assistant  Secretaries of the Company or the Master
Servicer,  as the case may be, and delivered to the Trustee, as required by this
Agreement.

        Opinion of  Counsel:  A written  opinion of  counsel  acceptable  to the
Trustee  and the  Master  Servicer,  who may be counsel  for the  Company or the
Master  Servicer,  provided  that any opinion of counsel (i)  referred to in the
definition of "Disqualified  Organization" or (ii) relating to the qualification
of any REMIC formed under the Series  Supplement  or  compliance  with the REMIC
Provisions  must,  unless  otherwise  specified,  be an opinion  of  Independent
counsel.

        Outstanding  Mortgage  Loan:  As  to  any  Due  Date,  a  Mortgage  Loan
(including an REO Property) which was not the subject of a Principal  Prepayment
in Full,  Cash  Liquidation  or REO  Disposition  and which  was not  purchased,
deleted or  substituted  for prior to such Due Date  pursuant  to Section  2.02,
2.03, 2.04 or 4.07.

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

        Pass-Through Rate:  As defined in the Series Supplement.

     Paying Agent:  The Trustee or any successor  Paying Agent  appointed by the
Trustee.

                                       17
<PAGE>

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

        Permitted Investments:  One or more of the following:

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

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

(iii)federal funds,  certificates of deposit, demand deposits, time deposits and
     bankers'  acceptances  (which  shall each have an original  maturity of not
     more than 90 days and,  in the case of  bankers'  acceptances,  shall in no
     event  have an  original  maturity  of more  than 365  days or a  remaining
     maturity of more than 30 days)  denominated in United States dollars of any
     U.S. depository institution or trust company incorporated under the laws of
     the  United  States or any state  thereof  or of any  domestic  branch of a
     foreign  depository  institution or trust  company;  provided that the debt
     obligations  of such  depository  institution  or trust company (or, if the
     only  Rating  Agency is  Standard  & Poor's,  in the case of the  principal
     depository  institution in a depository  institution holding company,  debt
     obligations of the depository  institution  holding company) at the date of
     acquisition  thereof  have been rated by each Rating  Agency in its highest
     short-term rating available;  and provided further that, if the only Rating
     Agency is  Standard & Poor's and if the  depository  or trust  company is a
     principal  subsidiary of a bank holding company and the debt obligations of
     such subsidiary are not separately  rated,  the applicable  rating shall be
     that of the bank  holding  company;  and,  provided  further  that,  if the
     original maturity of such short-term  obligations of a domestic branch of a
     foreign  depository  institution or trust company shall exceed 30 days, the
     short-term rating of such institution shall be A-1+ in the case of Standard
     & Poor's if Standard & Poor's is the Rating Agency;

(iv)    commercial  paper and demand notes  (having  original  maturities of not
        more than 365 days) of any  corporation  incorporated  under the laws of
        the United States or any state thereof which on the date of  acquisition
        has been rated by each Rating  Agency in its highest  short-term  rating
        available;  provided that such  commercial  paper shall have a remaining
        maturity of not more than 30 days;

                                       18
<PAGE>

(v)  a money  market  fund or a qualified  investment  fund rated by each Rating
     Agency in its highest long-term rating available; and

(vi) other  obligations or securities  that are acceptable to each Rating Agency
     as a Permitted Investment hereunder and will not reduce the rating assigned
     to any Class of  Certificates  by such Rating Agency below the lower of the
     then-current  rating or the rating assigned to such  Certificates as of the
     Closing Date by such Rating Agency, as evidenced in writing;

provided,  however,  no  instrument  shall  be  a  Permitted  Investment  if  it
represents,  either (1) the right to receive only interest payments with respect
to the underlying debt instrument or (2) the right to receive both principal and
interest  payments derived from  obligations  underlying such instrument and the
principal and interest payments with respect to such instrument  provide a yield
to maturity greater than 120% of the yield to maturity at par of such underlying
obligations.  References  herein to the highest  rating  available  on unsecured
long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa
in the case of Moody's, and references herein to the highest rating available on
unsecured commercial paper and short-term debt obligations shall mean A-1 in the
case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard
& Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch.

     Permitted Transferee: Any Transferee of a Class R Certificate, other than a
Disqualified Organization or Non-United States Person.

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

     Pledged Amount: With respect to any Pledged Asset Loan, the amount of money
remitted to Combined  Collateral  LLC, at the direction of or for the benefit of
the related Mortgagor.

        Pledged  Asset Loan:  Any Mortgage Loan  supported by Pledged  Assets or
such other collateral,  other than the related Mortgaged Property,  set forth in
the Series Supplement.

        Pledged   Assets:   With  respect  to  any  Mortgage  Loan,  all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description  pledged by Combined  Collateral LLC as security in
respect of any Realized  Losses in connection  with such Mortgage Loan up to the
Pledged Amount for such Mortgage Loan, and any related collateral, or such other
collateral as may be set forth in the Series Supplement.

        Pledged Asset Mortgage Servicing  Agreement:  The Pledged Asset Mortgage
Servicing  Agreement,  dated as of February 28, 1996 between MLCC and the Master
Servicer.

        Pooling  and  Servicing  Agreement  or  Agreement:  With  respect to any
Series, this Standard Terms together with the related Series Supplement.

                                       19
<PAGE>

     Pool Stated Principal  Balance:  As to any Distribution Date, the aggregate
of the Stated  Principal  Balances of each Mortgage Loan.  Pool Strip Rate: With
respect to each  Mortgage  Loan, a per annum rate equal to the excess of (a) the
Net Mortgage  Rate of such Mortgage Loan over (b) the Discount Net Mortgage Rate
(but not less than 0.00%) per annum.

        Prepayment  Distribution  Trigger: With respect to any Distribution Date
and  any  Class  of   Subordinate   Certificates   (other  than  the  Class  M-1
Certificates),  a test that shall be satisfied if the fraction  (expressed  as a
percentage) equal to the sum of the Certificate Principal Balances of such Class
and each Class of Subordinate Certificates with a Lower Priority than such Class
immediately  prior to such  Distribution  Date divided by the  aggregate  Stated
Principal  Balance of all of the  Mortgage  Loans (or  related  REO  Properties)
immediately  prior to such Distribution Date is greater than or equal to the sum
of the  related  Initial  Subordinate  Class  Percentages  of  such  Classes  of
Subordinate Certificates.

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

        Prepayment Period: As to any Distribution Date and Principal  Prepayment
in Full,  the period  commencing on the 16th day of the month prior to the month
in which that  Distribution  Date occurs and ending on the 15th day of the month
in which such Distribution Date occurs.

     Primary  Insurance  Policy:   Each  primary  policy  of  mortgage  guaranty
insurance or any replacement policy therefor referred to in Section  2.03(b)(iv)
and (v).

     Principal  Only  Certificates:  A Class of  Certificates  not  entitled  to
payments of interest,  and more  specifically  designated  as such in the Series
Supplement.

        Principal  Prepayment:  Any payment of principal or other  recovery on a
Mortgage Loan,  including a recovery that takes the form of Liquidation Proceeds
or Insurance  Proceeds,  which is received in advance of its  scheduled Due Date
and is not  accompanied  by an  amount  as to  interest  representing  scheduled
interest  on such  payment  due on any  date or dates  in any  month  or  months
subsequent to the month of prepayment.

     Principal  Prepayment  in Full:  Any  Principal  Prepayment  of the  entire
principal balance of a Mortgage Loan that is made by the Mortgagor.

                                       20
<PAGE>

     Program  Guide:  Collectively,  the Client Guide and the Servicer Guide for
Residential Funding's Expanded Criteria Mortgage Program.

        Purchase  Price:  With  respect to any Mortgage  Loan (or REO  Property)
required to be or  otherwise  purchased  on any date  pursuant to Section  2.02,
2.03,  2.04 or  4.07,  an  amount  equal  to the sum of (i)  100% of the  Stated
Principal Balance thereof plus the principal portion of any related unreimbursed
Advances  and (ii) unpaid  accrued  interest at the Adjusted  Mortgage  Rate (or
Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is
calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate
(or Modified Net Mortgage Rate in the case of a Modified  Mortgage  Loan) in the
case of a purchase made by the Master Servicer) on the Stated Principal  Balance
thereof  to the Due Date in the Due  Period  related  to the  Distribution  Date
occurring  in the month  following  the month of  purchase  from the Due Date to
which interest was last paid by the Mortgagor.

        Qualified  Substitute  Mortgage  Loan: A Mortgage  Loan  substituted  by
Residential  Funding or the Company for a Deleted  Mortgage  Loan which must, on
the  date  of  such  substitution,  as  confirmed  in an  Officers'  Certificate
delivered to the Trustee, with a copy to the Custodian,

        (i)    have an outstanding  principal  balance,  after  deduction of the
               principal  portion  of the  monthly  payment  due in the month of
               substitution  (or in the case of a substitution  of more than one
               Mortgage  Loan  for  a  Deleted   Mortgage   Loan,  an  aggregate
               outstanding  principal  balance,  after such  deduction),  not in
               excess of the Stated  Principal  Balance of the Deleted  Mortgage
               Loan (the amount of any shortfall to be deposited by  Residential
               Funding in the Custodial Account in the month of substitution);

        (ii)   have a Mortgage  Rate and a Net  Mortgage  Rate no lower than and
               not more than 1% per annum higher than the Mortgage  Rate and Net
               Mortgage Rate,  respectively,  of the Deleted Mortgage Loan as of
               the date of substitution;

        (iii)  have a Loan-to-Value  Ratio at the time of substitution no higher
               than  that  of  the  Deleted   Mortgage   Loan  at  the  time  of
               substitution;

        (iv)   have a remaining  term to stated  maturity  not greater than (and
               not more than one year less  than) that of the  Deleted  Mortgage
               Loan;

          (v)  comply  with  each  representation  and  warranty  set  forth  in
               Sections  2.03 and 2.04  hereof and  Section 4 of the  Assignment
               Agreement; and

          (vi) have a Pool  Strip  Rate  equal to or  greater  than  that of the
               Deleted Mortgage Loan.

Notwithstanding  any other provisions  herein, (x) with respect to any Qualified
Substitute  Mortgage Loan  substituted  for a Deleted  Mortgage Loan which was a
Discount Mortgage Loan, such Qualified  Substitute Mortgage Loan shall be deemed
to be a  Discount  Mortgage  Loan and to have a Discount  Fraction  equal to the
Discount  Fraction  of the Deleted  Mortgage  Loan and (y) in the event that the
"Pool  Strip  Rate" of any  Qualified  Substitute  Mortgage  Loan as  calculated
pursuant to the  definition  of "Pool Strip Rate" is greater than the Pool Strip
Rate of the related Deleted Mortgage Loan

                                       21
<PAGE>

        (i)    the Pool Strip Rate of such  Qualified  Substitute  Mortgage Loan
               shall  be equal to the Pool  Strip  Rate of the  related  Deleted
               Mortgage Loan for purposes of calculating the  Pass-Through  Rate
               on the Class A-V Certificates and

        (ii)   the excess of the Pool Strip  Rate on such  Qualified  Substitute
               Mortgage Loan as calculated  pursuant to the  definition of "Pool
               Strip  Rate"  over the Pool  Strip  Rate on the  related  Deleted
               Mortgage  Loan  shall  be  payable  to the  Class R  Certificates
               pursuant to Section 4.02 hereof.

        Rating Agency:  Each of the statistical credit rating agencies specified
in the  Preliminary  Statement  of the  Series  Supplement.  If any  agency or a
successor is no longer in existence,  "Rating Agency" shall be such  statistical
credit rating agency,  or other  comparable  Person,  designated by the Company,
notice  of  which  designation  shall be given  to the  Trustee  and the  Master
Servicer.

        Realized Loss:  With respect to each Mortgage Loan (or REO Property):

          (a)  as to which a Cash  Liquidation or REO  Disposition has occurred,
               an amount (not less than zero) equal to (i) the Stated  Principal
               Balance of the Mortgage  Loan (or REO Property) as of the date of
               Cash Liquidation or REO Disposition,  plus (ii) interest (and REO
               Imputed  Interest,  if any) at the Net Mortgage Rate from the Due
               Date  as  to  which   interest  was  last  paid  or  advanced  to
               Certificateholders  up to the Due Date in the Due Period  related
               to the  Distribution  Date on which  such  Realized  Loss will be
               allocated  pursuant  to  Section  4.05  on the  Stated  Principal
               Balance  of such  Mortgage  Loan  (or REO  Property)  outstanding
               during  each  Due  Period  that  such  interest  was not  paid or
               advanced,  minus (iii) the proceeds,  if any, received during the
               month  in  which  such  Cash  Liquidation  (or  REO  Disposition)
               occurred,  to the extent applied as recoveries of interest at the
               Net Mortgage Rate and to principal of the Mortgage  Loan,  net of
               the portion  thereof  reimbursable  to the Master Servicer or any
               Subservicer  with  respect to related  Advances or expenses as to
               which  the  Master   Servicer  or   Subservicer  is  entitled  to
               reimbursement  thereunder  but  which  have not  been  previously
               reimbursed,

        (b)    which is the subject of a Servicing Modification,  (i) the amount
               by  which  the  interest  portion  of a  Monthly  Payment  or the
               principal balance of such Mortgage Loan was reduced, and (ii) any
               such amount with  respect to a Monthly  Payment that was or would
               have been due in the  month  immediately  following  the month in
               which  a  Principal  Prepayment  or the  Purchase  Price  of such
               Mortgage Loan is received or is deemed to have been received,

        (c)    which has  become  the  subject  of a  Deficient  Valuation,  the
               difference  between the  principal  balance of the Mortgage  Loan
               outstanding immediately prior to such Deficient Valuation and the
               principal  balance  of  the  Mortgage  Loan  as  reduced  by  the
               Deficient Valuation, or

                                       22
<PAGE>

        (d)    which has  become  the object of a Debt  Service  Reduction,  the
               amount of such Debt Service Reduction.

Notwithstanding  the above,  neither a Deficient  Valuation  nor a Debt  Service
Reduction  shall be  deemed a  Realized  Loss  hereunder  so long as the  Master
Servicer  has  notified  the  Trustee in writing  that the  Master  Servicer  is
diligently  pursuing  any  remedies  that  may  exist  in  connection  with  the
representations  and  warranties  made  regarding the related  Mortgage Loan and
either (A) the related  Mortgage  Loan is not in default with regard to payments
due  thereunder or (B)  delinquent  payments of principal and interest under the
related  Mortgage  Loan  and  any  premiums  on any  applicable  primary  hazard
insurance  policy and any related  escrow  payments in respect of such  Mortgage
Loan  are  being  advanced  on a  current  basis  by the  Master  Servicer  or a
Subservicer, in either case without giving effect to any Debt Service Reduction.

To the extent the Master Servicer receives Subsequent Recoveries with respect to
any Mortgage Loan, the amount of the Realized Loss with respect to that Mortgage
Loan will be reduced to the extent  such  recoveries  are  applied to reduce the
Certificate  Principal  Balance of any Class of Certificates on any Distribution
Date.

        Record  Date:  With  respect  to each  Distribution  Date,  the close of
business on the last Business Day of the month next preceding the month in which
the related Distribution Date occurs.

     Regular  Certificate:  Any  of  the  Certificates  other  than  a  Class  R
Certificate.

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

        REMIC  Administrator:  Residential Funding  Corporation.  If Residential
Funding  Corporation is found by a court of competent  jurisdiction to no longer
be able to fulfill its obligations as REMIC  Administrator  under this Agreement
the  Master  Servicer  or  Trustee  acting as Master  Servicer  shall  appoint a
successor REMIC Administrator,  subject to assumption of the REMIC Administrator
obligations under this Agreement.

        REMIC  Provisions:  Provisions of the federal income tax law relating to
real estate mortgage investment conduits,  which appear at Sections 860A through
860G of  Subchapter  M of Chapter 1 of the Code,  and  related  provisions,  and
temporary and final  regulations (or, to the extent not  inconsistent  with such
temporary or final  regulations,  proposed  regulations) and published  rulings,
notices and  announcements  promulgated  thereunder,  as the foregoing may be in
effect from time to time.

        REO Acquisition: The acquisition by the Master Servicer on behalf of the
Trustee for the benefit of the  Certificateholders  of any REO Property pursuant
to Section 3.14.

        REO Disposition:  As to any REO Property,  a determination by the Master
Servicer that it has received all Insurance Proceeds,  Liquidation Proceeds, REO
Proceeds and other payments and recoveries  (including proceeds of a final sale)
which the Master  Servicer  expects to be finally  recoverable  from the sale or
other disposition of the REO Property.

                                       23
<PAGE>

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

        REO Proceeds:  Proceeds, net of expenses, received in respect of any REO
Property (including, without limitation, proceeds from the rental of the related
Mortgaged  Property  or,  with  respect  to  a  Cooperative  Loan,  the  related
Cooperative  Apartment)  which  proceeds are  required to be deposited  into the
Custodial Account only upon the related REO Disposition.

        REO  Property:  A Mortgaged  Property  acquired  by the Master  Servicer
through  foreclosure  or  deed  in  lieu of  foreclosure  in  connection  with a
defaulted Mortgage Loan.

        Request  for  Release:  A request  for  release,  the forms of which are
attached as Exhibit F hereto,  or an electronic  request in a form acceptable to
the Custodian.

        Required  Insurance  Policy:  With  respect to any  Mortgage  Loan,  any
insurance policy which is required to be maintained from time to time under this
Agreement, the Program Guide or the related Subservicing Agreement in respect of
such Mortgage Loan.

        Required Surety Payment:  With respect to any Additional Collateral Loan
that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion
of the Realized Loss with respect to such Mortgage Loan and (ii) the excess,  if
any, of (a) the amount of Additional  Collateral  required at  origination  with
respect  to  such  Mortgage  Loan  over  (b) the net  proceeds  realized  by the
Subservicer from the related Additional Collateral.

     Residential   Funding:   Residential   Funding   Corporation,   a  Delaware
corporation,  in its capacity as seller of the Mortgage Loans to the Company and
any successor thereto.

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

        Retail  Certificates:  A Senior Certificate,  if any, offered in smaller
minimum denominations than other Senior Certificates,  and designated as such in
the Series Supplement.

        Schedule of Discount Fractions:  The schedule setting forth the Discount
Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to
the Series Supplement.

     Security  Agreement:  With respect to a  Cooperative  Loan,  the  agreement
creating  a  security  interest  in  favor  of the  originator  in  the  related
Cooperative Stock.

     Seller: As to any Mortgage Loan, a Person, including any Subservicer,  that
executed a Seller's Agreement applicable to such Mortgage Loan.

                                       24
<PAGE>

        Seller's  Agreement:  An  agreement  for  the  origination  and  sale of
Mortgage  Loans  generally  in the form of the Seller  Contract  referred  to or
contained in the Program  Guide,  or in such other form as has been  approved by
the  Master  Servicer  and the  Company,  each  containing  representations  and
warranties in respect of one or more Mortgage  Loans  consistent in all material
respects with those set forth in the Program Guide.

        Senior  Accelerated  Distribution   Percentage:   With  respect  to  any
Distribution  Date occurring on or prior to the 60th Distribution Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan  Groups,  any Loan
Group,  100%. With respect to any Distribution Date thereafter and any such Loan
Group, if applicable, as follows:

(i)     for any  Distribution  Date after the 60th  Distribution  Date but on or
        prior to the 72nd  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 70% of the related  Subordinate  Percentage
        for such Distribution Date;

(ii)    for any  Distribution  Date after the 72nd  Distribution  Date but on or
        prior to the 84th  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 60% of the related  Subordinate  Percentage
        for such Distribution Date;

(iii)   for any  Distribution  Date after the 84th  Distribution  Date but on or
        prior to the 96th  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 40% of the related  Subordinate  Percentage
        for such Distribution Date;

(iv)    for any  Distribution  Date after the 96th  Distribution  Date but on or
        prior to the 108th  Distribution Date, the related Senior Percentage for
        such  Distribution Date plus 20% of the related  Subordinate  Percentage
        for such Distribution Date; and

(v)  for any  Distribution  Date  thereafter,  the  Senior  Percentage  for such
     Distribution Date;

provided, however,

        (i) that any scheduled reduction to the Senior Accelerated  Distribution
Percentage  described above shall not occur as of any  Distribution  Date unless
either

               (a)(1)(X) the outstanding principal balance of the Mortgage Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a
        percentage of the aggregate outstanding Certificate Principal Balance of
        the  Subordinate  Certificates,  is less than 50% or (Y) the outstanding
        principal  balance of Mortgage Loans delinquent 60 days or more averaged
        over the last six months,  as a percentage of the aggregate  outstanding
        principal  balance  of all  Mortgage  Loans  averaged  over the last six
        months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans
        to date  for such  Distribution  Date if  occurring  during  the  sixth,
        seventh,  eighth, ninth or tenth year (or any year thereafter) after the
        Closing Date are less than 30%, 35%, 40%, 45% or 50%,  respectively,  of
        the sum of the Initial Certificate Principal Balances of the Subordinate
        Certificates or

                (b)(1)  the  outstanding  principal  balance of  Mortgage  Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a

                                       25
<PAGE>

        percentage  of  the  aggregate  outstanding  principal  balance  of  all
        Mortgage Loans averaged over the last six months, does not exceed 4% and
        (2) Realized Losses on the Mortgage Loans to date for such  Distribution
        Date, if occurring  during the sixth,  seventh,  eighth,  ninth or tenth
        year (or any year thereafter)  after the Closing Date are less than 10%,
        15%,  20%,  25%  or  30%,  respectively,  of  the  sum  of  the  Initial
        Certificate Principal Balances of the Subordinate Certificates, and

        (ii) that for any  Distribution  Date on which the Senior  Percentage is
greater  than  the  Senior  Percentage  as  of  the  Closing  Date,  the  Senior
Accelerated  Distribution  Percentage for such  Distribution Date shall be 100%,
or,  if the  Mortgage  Pool is  comprised  of two or more Loan  Groups,  for any
Distribution  Date on which the weighted  average of the Senior  Percentages for
each Loan Group,  weighted on the basis of the Stated Principal  Balances of the
Mortgage  Loans in the related Loan Group,  exceeds the weighted  average of the
initial Senior Percentages  (calculated on such basis) for each Loan Group, each
of the Senior  Accelerated  Distribution  Percentages for such Distribution Date
will equal 100%.

Notwithstanding the foregoing,  upon the reduction of the Certificate  Principal
Balances  of  the  related  Senior   Certificates  (other  than  the  Class  A-P
Certificates,  if any) to zero,  the  related  Senior  Accelerated  Distribution
Percentage shall thereafter be 0%.

        Senior Certificate:  As defined in the Series Supplement.

        Senior Percentage: As defined in the Series Supplement.

        Senior  Support   Certificate:   A  Senior   Certificate  that  provides
additional  credit  enhancement to certain other classes of Senior  Certificates
and designated as such in the Preliminary Statement of the Series Supplement.

     Series: All of the Certificates  issued pursuant to a Pooling and Servicing
Agreement and bearing the same series designation.

        Series  Supplement:  The  agreement  into which this  Standard  Terms is
incorporated and pursuant to which,  together with this Standard Terms, a Series
of Certificates is issued.

     Servicing Accounts: The account or accounts created and maintained pursuant
to Section 3.08.

        Servicing  Advances:  All  customary,  reasonable  and necessary "out of
pocket" costs and expenses incurred in connection with a default, delinquency or
other  unanticipated  event by the Master  Servicer  in the  performance  of its
servicing  obligations,  including,  but not  limited  to,  the  cost of (i) the
preservation,  restoration  and  protection  of a  Mortgaged  Property  or, with
respect to a  Cooperative  Loan,  the related  Cooperative  Apartment,  (ii) any
enforcement  or judicial  proceedings,  including  foreclosures,  including  any
expenses  incurred  in  relation  to any such  proceedings  that result from the
Mortgage Loan being  registered  on the MERS System,  (iii) the  management  and
liquidation of any REO Property and (iv) compliance  with the obligations  under
Sections 3.01, 3.08, 3.11, 3.12(a) and 3.14,  including,  if the Master Servicer
or any Affiliate of the Master Servicer provides services such as appraisals and
brokerage services that are customarily provided by Persons other than servicers
of mortgage loans, reasonable compensation for such services.

                                       26
<PAGE>

        Servicing Fee: With respect to any Mortgage Loan and Distribution  Date,
the fee payable  monthly to the Master  Servicer in respect of master  servicing
compensation  that accrues at an annual rate  designated  on the  Mortgage  Loan
Schedule as the "MSTR SERV FEE" for such Mortgage  Loan, as may be adjusted with
respect to successor Master Servicers as provided in Section 7.02.

        Servicing  Modification:  Any  reduction of the interest  rate on or the
outstanding  principal  balance of a Mortgage  Loan that is in  default,  or for
which,  in  the  judgment  of  the  Master   Servicer,   default  is  reasonably
foreseeable, pursuant to a modification of such Mortgage Loan in accordance with
Section 3.07(a).

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

        Special  Hazard Loss: Any Realized Loss not in excess of the cost of the
lesser of repair or replacement  of a Mortgaged  Property (or, with respect to a
Cooperative Loan, the related Cooperative  Apartment) suffered by such Mortgaged
Property  (or  Cooperative  Apartment)  on  account  of  direct  physical  loss,
exclusive  of (i) any  loss of a type  covered  by a  hazard  policy  or a flood
insurance policy required to be maintained in respect of such Mortgaged Property
pursuant  to Section  3.12(a),  except to the extent of the portion of such loss
not covered as a result of any coinsurance  provision and (ii) any Extraordinary
Loss.

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

        Stated Principal  Balance:  With respect to any Mortgage Loan or related
REO Property,  at any given time, (i) the Cut-off Date Principal  Balance of the
Mortgage  Loan,  minus (ii) the sum of (a) the principal  portion of the Monthly
Payments due with respect to such Mortgage Loan or REO Property  during each Due
Period ending prior to the most recent  Distribution Date which were received or
with  respect to which an Advance was made,  and (b) all  Principal  Prepayments
with respect to such Mortgage Loan or REO Property,  and all Insurance Proceeds,
Liquidation  Proceeds  and REO  Proceeds,  to the  extent  applied by the Master
Servicer as recoveries of principal in accordance with Section 3.14 with respect
to such  Mortgage  Loan or REO  Property,  in each case which  were  distributed
pursuant to Section 4.02 on any previous Distribution Date, and (c) any Realized
Loss  allocated  to  Certificateholders  with  respect  thereto for any previous
Distribution Date.

        Subclass:  With  respect  to the Class A-V  Certificates,  any  Subclass
thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the
Uncertificated  Class A-V REMIC Regular  Interest or Interests  specified by the
initial Holder of the Class A-V Certificates pursuant to Section 5.01(c).

                                       27
<PAGE>

        Subordinate Certificate:  Any one of the Class M Certificates or Class B
Certificates,  executed  by the  Trustee and  authenticated  by the  Certificate
Registrar  substantially  in the form annexed hereto as Exhibit B and Exhibit C,
respectively.

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

        Subordinate Percentage: As of any Distribution Date and, with respect to
any Mortgage  Pool  comprised of two or more Loan Groups,  any Loan Group,  100%
minus the related Senior Percentage as of such Distribution Date.

        Subsequent Recoveries:  As of any Distribution Date, amounts received by
the Master  Servicer  (net of any related  expenses  permitted to be  reimbursed
pursuant  to Section  3.10) or surplus  amounts  held by the Master  Servicer to
cover estimated expenses  (including,  but not limited to, recoveries in respect
of the representations and warranties made by the related Seller pursuant to the
applicable  Seller's  Agreement and assigned to the Trustee  pursuant to Section
2.04)  specifically  related to a Mortgage  Loan that was the  subject of a Cash
Liquidation or an REO Disposition  prior to the related  Prepayment  Period that
resulted in a Realized Loss.

     Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference
thereto, is subject to a Subservicing Agreement.

        Subservicer: Any Person with whom the Master Servicer has entered into a
Subservicing Agreement and who generally satisfied the requirements set forth in
the Program Guide in respect of the  qualification  of a  Subservicer  as of the
date of its approval as a Subservicer by the Master Servicer.

        Subservicer  Advance:  Any  delinquent   installment  of  principal  and
interest on a Mortgage Loan which is advanced by the related Subservicer (net of
its Subservicing Fee) pursuant to the Subservicing Agreement.

     Subservicing Account: An account established by a Subservicer in accordance
with Section 3.08.

        Subservicing Agreement: The written contract between the Master Servicer
and any Subservicer relating to servicing and administration of certain Mortgage
Loans as  provided  in  Section  3.02,  generally  in the  form of the  servicer
contract  referred to or contained in the Program Guide or in such other form as
has been  approved  by the Master  Servicer  and the  Company.  With  respect to
Additional  Collateral  Loans  subserviced by MLCC, the  Subservicing  Agreement
shall also include the Addendum and  Assignment  Agreement and the Pledged Asset
Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced
by GMAC Mortgage Corporation, the Addendum and Assignment Agreement, dated as of
November 24, 1998, between the Master Servicer and GMAC Mortgage Corporation, as
such agreement may be amended from time to time.

                                       28
<PAGE>

        Subservicing  Fee: As to any Mortgage Loan,  the fee payable  monthly to
the related  Subservicer (or, in the case of a Nonsubserviced  Mortgage Loan, to
the Master  Servicer) in respect of  subservicing  and other  compensation  that
accrues at an annual rate equal to the excess of the Mortgage  Rate borne by the
related  Mortgage  Note over the rate per annum  designated on the Mortgage Loan
Schedule as the "CURR NET" for such Mortgage Loan.

     Surety:  Ambac, or its successors in interest,  or such other surety as may
be identified in the Series Supplement.

        Surety Bond:  The Limited  Purpose  Surety Bond  (Policy No.  AB0039BE),
dated February 28, 1996 in respect to Mortgage Loans  originated by MLCC, or the
Surety Bond (Policy No.  AB0240BE),  dated March 17, 1999 in respect to Mortgage
Loans  originated by Novus Financial  Corporation,  in each case issued by Ambac
for the benefit of certain beneficiaries,  including the Trustee for the benefit
of the Holders of the Certificates, but only to the extent that such Surety Bond
covers any  Additional  Collateral  Loans,  or such other  Surety Bond as may be
identified in the Series Supplement.

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

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

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

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

        Trust Fund:  The  segregated  pool of assets  related to a Series,  with
respect to which one or more REMIC  elections  are to be made  pursuant  to this
Agreement, consisting of:

(i)  the Mortgage Loans and the related  Mortgage Files and collateral  securing
     such Mortgage Loans,

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

                                       29
<PAGE>

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

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

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

        Uniform Single  Attestation  Program for Mortgage  Bankers:  The Uniform
Single  Attestation  Program for Mortgage Bankers,  as published by the Mortgage
Bankers  Association  of America and  effective  with respect to fiscal  periods
ending on or after December 15, 1995.

        Uninsured  Cause:  Any cause of damage to property subject to a Mortgage
such that the complete restoration of such property is not fully reimbursable by
the hazard insurance policies.

        United  States Person or U.S.  Person:  (i) A citizen or resident of the
United  States,  (ii) a  corporation,  partnership  or other entity treated as a
corporation  or  partnership  for United  States  federal  income  tax  purposes
organized in or under the laws of the United  States or any state thereof or the
District of Columbia (unless, in the case of a partnership, Treasury regulations
provide  otherwise),  provided that, for purposes solely of the  restrictions on
the transfer of residual interests,  no partnership or other entity treated as a
partnership  for United States federal income tax purposes shall be treated as a
United States  Person or U.S.  Person unless all persons that own an interest in
such partnership  either directly or indirectly through any chain of entities no
one of which is a corporation  for United States federal income tax purposes are
required by the  applicable  operating  agreement to be United  States  Persons,
(iii) an estate the  income of which is  includible  in gross  income for United
States tax purposes, regardless of its source, or (iv) a trust if a court within
the  United   States  is  able  to  exercise   primary   supervision   over  the
administration of the trust and one or more United States persons have authority
to control all substantial decisions of the trust. Notwithstanding the preceding
sentence,  to the extent  provided in Treasury  regulations,  certain  Trusts in
existence on August 20, 1996, and treated as United States persons prior to such
date, that elect to continue to be treated as United States persons will also be
a U.S. Person.

     Voting Rights:  The portion of the voting rights of all of the Certificates
which is allocated  to any  Certificate,  and more  specifically  designated  in
Article XI of the Series Supplement.

Section 1.02.  Use of Words and Phrases.

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

                                       30
<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;

                        ORIGINAL ISSUANCE OF CERTIFICATES

Section 2.01.  Conveyance of Mortgage Loans.

(a) The Company,  concurrently  with the  execution  and delivery  hereof,  does
hereby assign to the Trustee without recourse all the right,  title and interest
of the  Company  in and  to the  Mortgage  Loans,  including  all  interest  and
principal  received on or with respect to the  Mortgage  Loans after the Cut-off
Date (other than payments of principal and interest due on the Mortgage Loans on
or before the Cut-off Date).  In connection  with such transfer and  assignment,
the Company  does  hereby  deliver to the  Trustee  the  Certificate  Policy (as
defined in the Series Supplement), if any.

(b) In connection with such  assignment,  except as set forth in Section 2.01(c)
and subject to Section  2.01(d)  below,  the Company does hereby deliver to, and
deposit with, the Trustee,  or to and with one or more  Custodians,  as the duly
appointed  agent or  agents  of the  Trustee  for such  purpose,  the  following
documents or  instruments  (or copies  thereof as permitted by this Section) (I)
with respect to each Mortgage Loan so assigned (other than a Cooperative Loan):

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee,  and showing an unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    The  original  Mortgage,  noting the presence of the MIN of the Mortgage
        Loan and language indicating that the Mortgage Loan is a MOM Loan if the
        Mortgage  Loan is a MOM  Loan,  with  evidence  of  recording  indicated
        thereon or a copy of the Mortgage with  evidence of recording  indicated
        thereon;

(iii)   Unless  the  Mortgage  Loan is  registered  on the  MERS(R)  System,  an
        original  Assignment  of the  Mortgage to the Trustee  with  evidence of
        recording  indicated  thereon or a copy of such assignment with evidence
        of recording indicated thereon;

(iv)    The original recorded  assignment or assignments of the Mortgage showing
        an  unbroken  chain of title from the  originator  thereof to the Person
        assigning  it to the  Trustee  (or to  MERS,  if the  Mortgage  Loan  is
        registered on the MERS(R)  System and noting the presence of a MIN) with
        evidence of recordation noted thereon or attached thereto,  or a copy of
        such  assignment  or  assignments  of  the  Mortgage  with  evidence  of
        recording indicated thereon; and

(v)     The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Mortgage Loan or a copy of each
        modification, assumption agreement or preferred loan agreement.

                                       31
<PAGE>

        and (II) with respect to each Cooperative Loan so assigned:

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee  and showing an  unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    A counterpart of the Cooperative Lease and the Assignment of Proprietary
        Lease  to  the  originator  of the  Cooperative  Loan  with  intervening
        assignments  showing an unbroken chain of title from such  originator to
        the Trustee;

(iii)   The related  Cooperative  Stock  Certificate,  representing  the related
        Cooperative  Stock  pledged  with  respect  to  such  Cooperative  Loan,
        together  with an  undated  stock  power (or other  similar  instrument)
        executed in blank;

(iv) The original  recognition  agreement by the Cooperative of the interests of
     the mortgagee with respect to the related Cooperative Loan;

(v)     The Security Agreement;

(vi)    Copies of the original UCC-1 financing  statement,  and any continuation
        statements,  filed by the originator of such Cooperative Loan as secured
        party, each with evidence of recording thereof,  evidencing the interest
        of the  originator  under the Security  Agreement and the  Assignment of
        Proprietary Lease;

(vii)   Copies  of  the  filed  UCC-3   assignments  of  the  security  interest
        referenced in clause (vi) above showing an unbroken  chain of title from
        the originator to the Trustee,  each with evidence of recording thereof,
        evidencing the interest of the originator  under the Security  Agreement
        and the Assignment of Proprietary Lease;

(viii)  An executed assignment of the interest of the originator in the Security
        Agreement, Assignment of Proprietary Lease and the recognition agreement
        referenced in clause (iv) above, showing an unbroken chain of title from
        the originator to the Trustee;

(ix)    The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Cooperative Loan; and

(x)     A duly completed UCC-1 financing  statement  showing the Master Servicer
        as debtor,  the Company as secured party and the Trustee as assignee and
        a duly completed UCC-1 financing statement showing the Company as debtor
        and the Trustee as secured party,  each in a form sufficient for filing,
        evidencing the interest of such debtors in the Cooperative Loans.

(c) The Company may, in lieu of  delivering  the original of the  documents  set
forth in Section  2.01(b)(I)(ii),  (iii), (iv) and (v) and Section  (b)(II)(ii),

                                       32
<PAGE>

(iv), (vii), (ix) and (x) (or copies thereof as permitted by Section 2.01(b)) to
the Trustee or the Custodian or Custodians, deliver such documents to the Master
Servicer, and the Master Servicer shall hold such documents in trust for the use
and benefit of all present and future  Certificateholders  until such time as is
set forth in the next  sentence.  Within  thirty  Business  Days  following  the
earlier  of (i)  the  receipt  of the  original  of  all  of  the  documents  or
instruments set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section
(b)(II)(ii),  (iv),  (vii), (ix) and (x) (or copies thereof as permitted by such
Section)  for any  Mortgage  Loan and (ii) a written  request by the  Trustee to
deliver those  documents  with respect to any or all of the Mortgage  Loans then
being held by the Master Servicer,  the Master Servicer shall deliver a complete
set of such documents to the Trustee or the Custodian or Custodians that are the
duly appointed agent or agents of the Trustee.

(d)  Notwithstanding  the provisions of Section 2.01(c),  in connection with any
Mortgage Loan, if the Company  cannot deliver the original of the Mortgage,  any
assignment,  modification,  assumption agreement or preferred loan agreement (or
copy thereof as permitted by Section 2.01(b)) with evidence of recording thereon
concurrently  with the execution and delivery of this Agreement because of (i) a
delay caused by the public  recording  office where such  Mortgage,  assignment,
modification,  assumption  agreement or preferred loan agreement as the case may
be,  has been  delivered  for  recordation,  or (ii) a delay in the  receipt  of
certain information  necessary to prepare the related  assignments,  the Company
shall  deliver  or  cause  to be  delivered  to the  Trustee  or the  respective
Custodian  a  copy  of  such  Mortgage,  assignment,  modification,   assumption
agreement or preferred loan agreement.

        The Company  shall  promptly  cause to be  recorded  in the  appropriate
public office for real  property  records the  Assignment  referred to in clause
(I)(iii)  of Section  2.01(b),  except (a) in states  where,  in the  opinion of
counsel acceptable to the Trustee and the Master Servicer, such recording is not
required to protect the  Trustee's  interests in the  Mortgage  Loan against the
claim of any  subsequent  transferee  or any  successor  to or  creditor  of the
Company or the  originator of such Mortgage Loan or (b) if MERS is identified on
the  Mortgage  or on a  properly  recorded  assignment  of the  Mortgage  as the
mortgagee  of record  solely as nominee  for the Seller and its  successors  and
assigns,  and shall  promptly  cause to be filed the Form UCC-3  assignment  and
UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively,
of Section 2.01(b). If any Assignment,  Form UCC-3 or Form UCC-1, as applicable,
is lost or returned unrecorded to the Company because of any defect therein, the
Company  shall  prepare a substitute  Assignment,  Form UCC-3 or Form UCC-1,  as
applicable,  or cure such defect,  as the case may be, and cause such Assignment
to be recorded in accordance  with this  paragraph.  The Company shall  promptly
deliver or cause to be delivered to the Trustee or the respective Custodian such
Mortgage or  Assignment  or Form UCC-3 or Form UCC-1,  as  applicable,  (or copy
thereof as permitted by Section  2.01(b)) with  evidence of recording  indicated
thereon  at the time  specified  in  Section  2.01(c).  In  connection  with its
servicing of Cooperative Loans, the Master Servicer will use its best efforts to
file timely continuation  statements with regard to each financing statement and
assignment  relating to  Cooperative  Loans as to which the related  Cooperative
Apartment is located outside of the State of New York.

        If the Company delivers to the Trustee or Custodian any Mortgage Note or
Assignment of Mortgage in blank, the Company shall, or shall cause the Custodian
to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage
in the name of the Trustee in conjunction with the Interim  Certification issued
by the Custodian, as contemplated by Section 2.02.

                                       33
<PAGE>

        Any of the items set forth in Sections  2.01(b)(I)(ii),  (iii), (iv) and
(v) and  (II)(vi)  and (vii) and that may be delivered as a copy rather than the
original may be delivered to the Trustee or the Custodian.

        In connection with the assignment of any Mortgage Loan registered on the
MERS(R) System,  the Company further agrees that it will cause, at the Company's
own expense,  within 30 Business Days after the Closing Date, the MERS(R) System
to indicate  that such  Mortgage  Loans have been assigned by the Company to the
Trustee   in   accordance   with  this   Agreement   for  the   benefit  of  the
Certificateholders  by including  (or  deleting,  in the case of Mortgage  Loans
which are  repurchased in accordance with this Agreement) in such computer files
(a) the code in the field which identifies the specific Trustee and (b) the code
in the field "Pool Field" which identifies the series of the Certificates issued
in connection with such Mortgage Loans.  The Company further agrees that it will
not, and will not permit the Master  Servicer to, and the Master Servicer agrees
that it will not,  alter the codes  referenced in this paragraph with respect to
any  Mortgage  Loan  during  the term of this  Agreement  unless  and until such
Mortgage Loan is repurchased in accordance with the terms of this Agreement.

(e) Residential  Funding hereby assigns to the Trustee its security  interest in
and to any Additional Collateral or Pledged Assets, its right to receive amounts
due or to become due in respect of any  Additional  Collateral or Pledged Assets
pursuant to the related  Subservicing  Agreement  and its rights as  beneficiary
under the Surety  Bond in  respect  of any  Additional  Collateral  Loans.  With
respect to any  Additional  Collateral  Loan or Pledged Asset Loan,  Residential
Funding  shall  cause to be filed in the  appropriate  recording  office a UCC-3
statement  giving notice of the assignment of the related  security  interest to
the Trust Fund and shall  thereafter  cause the timely  filing of all  necessary
continuation statements with regard to such financing statements.

(f) It is  intended  that the  conveyance  by the  Company to the Trustee of the
Mortgage  Loans as provided for in this  Section 2.01 be and the  Uncertificated
REMIC Regular Interests,  if any (as provided for in Section 2.06), be construed
as a  sale  by the  Company  to  the  Trustee  of the  Mortgage  Loans  and  any
Uncertificated    REMIC    Regular    Interests   for   the   benefit   of   the
Certificateholders.  Further,  it is not intended that such conveyance be deemed
to be a pledge  of the  Mortgage  Loans  and any  Uncertificated  REMIC  Regular
Interests by the Company to the Trustee to secure a debt or other  obligation of
the Company.  Nonetheless,  (a) this Agreement is intended to be and hereby is a
security  agreement  within  the  meaning  of  Articles  8 and 9 of the New York
Uniform  Commercial Code and the Uniform Commercial Code of any other applicable
jurisdiction; (b) the conveyance provided for in Section 2.01 shall be deemed to
be,  and hereby  is,  (1) a grant by the  Company  to the  Trustee of a security
interest in all of the  Company's  right  (including  the power to convey  title
thereto), title and interest, whether now owned or hereafter acquired, in and to
any and all general intangibles,  payment intangibles,  accounts, chattel paper,
instruments, documents, money, deposit accounts, certificates of deposit, goods,
letters of credit,  advices of credit and investment property and other property
of whatever kind or description  now existing or hereafter  acquired  consisting
of,  arising from or relating to any of the following:  (A) the Mortgage  Loans,
including (i) with respect to each Cooperative  Loan, the related Mortgage Note,
Security   Agreement,   Assignment  of  Proprietary  Lease,   Cooperative  Stock
Certificate and Cooperative Lease, (ii) with respect to each Mortgage Loan other

                                       34
<PAGE>

than a Cooperative  Loan, the related Mortgage Note and Mortgage,  and (iii) any
insurance policies and all other documents in the related Mortgage File, (B) all
amounts  payable  pursuant to the Mortgage  Loans in  accordance  with the terms
thereof,  (C) any Uncertificated REMIC Regular Interests and (D) all proceeds of
the  conversion,   voluntary  or  involuntary,   of  the  foregoing  into  cash,
instruments,  securities or other  property,  including  without  limitation all
amounts  from time to time held or  invested in the  Certificate  Account or the
Custodial Account, whether in the form of cash, instruments, securities or other
property  and (2) an  assignment  by the Company to the Trustee of any  security
interest in any and all of Residential  Funding's right  (including the power to
convey  title  thereto),  title and  interest,  whether  now owned or  hereafter
acquired, in and to the property described in the foregoing clauses (1)(A), (B),
(C) and (D)  granted by  Residential  Funding  to the  Company  pursuant  to the
Assignment  Agreement;  (c) the possession by the Trustee,  the Custodian or any
other agent of the Trustee of Mortgage  Notes or such other items of property as
constitute instruments, money, payment intangibles, negotiable documents, goods,
deposit accounts,  letters of credit,  advices of credit,  investment  property,
certificated  securities or chattel paper shall be deemed to be  "possession  by
the secured party," or possession by a purchaser or a person  designated by such
secured party, for purposes of perfecting the security  interest pursuant to the
Minnesota Uniform  Commercial Code and the Uniform  Commercial Code of any other
applicable  jurisdiction as in effect (including,  without limitation,  Sections
8-106,  9-313 and 9-106 thereof);  and (d) notifications to persons holding such
property,  and  acknowledgments,  receipts or confirmations from persons holding
such property, shall be deemed notifications to, or acknowledgments, receipts or
confirmations from, securities intermediaries,  bailees or agents of, or persons
holding for (as  applicable)  the Trustee  for the  purpose of  perfecting  such
security interest under applicable law.

        The Company and, at the Company's direction, Residential Funding and the
Trustee  shall,  to  the  extent  consistent  with  this  Agreement,  take  such
reasonable  actions as may be necessary to ensure that, if this  Agreement  were
determined  to  create  a  security   interest  in  the  Mortgage   Loans,   any
Uncertificated  REMIC Regular Interests and the other property  described above,
such security  interest would be determined to be a perfected  security interest
of first priority under applicable law and will be maintained as such throughout
the term of this  Agreement.  Without  limiting the generality of the foregoing,
the Company shall prepare and deliver to the Trustee not less than 15 days prior
to any filing date and, the Trustee shall forward for filing,  or shall cause to
be forwarded for filing, at the expense of the Company, all filings necessary to
maintain the  effectiveness of any original filings  necessary under the Uniform
Commercial  Code as in effect  in any  jurisdiction  to  perfect  the  Trustee's
security interest in or lien on the Mortgage Loans and any Uncertificated  REMIC
Regular  Interests,  as evidenced by an  Officers'  Certificate  of the Company,
including  without  limitation (x) continuation  statements,  and (y) such other
statements  as may be  occasioned  by (1) any  change  of  name  of  Residential
Funding, the Company or the Trustee (such preparation and filing shall be at the
expense of the Trustee,  if occasioned by a change in the Trustee's  name),  (2)
any change of location of the place of business or the chief executive office of
Residential  Funding  or the  Company,  (3)  any  transfer  of any  interest  of
Residential  Funding or the Company in any Mortgage  Loan or (4) any transfer of
any interest of Residential  Funding or the Company in any Uncertificated  REMIC
Regular Interest.

                                       35
<PAGE>

(g) The Master  Servicer  hereby  acknowledges  the receipt by it of the Initial
Monthly  Payment  Fund.  The Master  Servicer  shall hold such  Initial  Monthly
Payment Fund in the  Custodial  Account and shall  include such Initial  Monthly
Payment Fund in the Available  Distribution Amount for the initial  Distribution
Date.  Notwithstanding  anything  herein to the  contrary,  the Initial  Monthly
Payment Fund shall not be an asset of any REMIC.  To the extent that the Initial
Monthly Payment Fund constitutes a reserve fund for federal income tax purposes,
(1) it shall be an outside  reserve  fund and not an asset of any REMIC,  (2) it
shall be owned by the Seller  and (3)  amounts  transferred  by any REMIC to the
Initial  Monthly  Payment Fund shall be treated as  transferred to the Seller or
any  successor,  all within the meaning of Section  1.860G-2(h)  of the Treasury
Regulations.

(h) The Company agrees that the sale of each Pledged Asset Loan pursuant to this
Agreement will also constitute the assignment, sale, setting-over,  transfer and
conveyance  to the  Trustee,  without  recourse  (but  subject to the  Company's
covenants,  representations and warranties specifically provided herein), of all
of the Company's  obligations and all of the Company's right, title and interest
in, to and under,  whether now  existing or  hereafter  acquired as owner of the
Mortgage  Loan  with  respect  to  any  and  all  money,  securities,   security
entitlements,  accounts, general intangibles, payment intangibles,  instruments,
documents, deposit accounts, certificates of deposit, commodities contracts, and
other  investment  property and other  property of whatever kind or  description
consisting of, arising from or related to (i) the Assigned  Contracts,  (ii) all
rights,  powers and remedies of the Company as owner of such Mortgage Loan under
or in connection with the Assigned Contracts, whether arising under the terms of
such Assigned  Contracts,  by statute, at law or in equity, or otherwise arising
out of any default by the  Mortgagor  under or in  connection  with the Assigned
Contracts,  including  all rights to exercise  any election or option or to make
any  decision  or  determination  or to give or  receive  any  notice,  consent,
approval  or  waiver  thereunder,  (iii)  the  Pledged  Amounts  and all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts,  and other  investment  property  and other  property of
whatever  kind or  description  and all cash and non-cash  proceeds of the sale,
exchange,  or  redemption  of,  and all stock or  conversion  rights,  rights to
subscribe,  liquidation  dividends or preferences,  stock  dividends,  rights to
interest, dividends, earnings, income, rents, issues, profits, interest payments
or other  distributions  of cash or other  property that secures a Pledged Asset
Loan, (iv) all documents,  books and records concerning the foregoing (including
all  computer  programs,  tapes,  disks and related  items  containing  any such
information) and (v) all insurance proceeds (including proceeds from the Federal
Deposit Insurance Corporation or the Securities Investor Protection  Corporation
or any other insurance company) of any of the foregoing or replacements  thereof
or substitutions therefor, proceeds of proceeds and the conversion, voluntary or
involuntary,  of any thereof.  The  foregoing  transfer,  sale,  assignment  and
conveyance does not constitute and is not intended to result in the creation, or
an assumption  by the Trustee,  of any  obligation of the Company,  or any other
person  in  connection  with the  Pledged  Assets  or  under  any  agreement  or
instrument  relating thereto,  including any obligation to the Mortgagor,  other
than as owner of the Mortgage Loan.

Section 2.02.  Acceptance by Trustee.
               ---------------------

        The Trustee  acknowledges  receipt (or,  with respect to Mortgage  Loans
subject  to  a  Custodial  Agreement,   and  based  solely  upon  a  receipt  or
certification executed by the Custodian,  receipt by the respective Custodian as

                                       36
<PAGE>

the duly appointed agent of the Trustee) of the documents referred to in Section
2.01(b)(i)  above  (except  that for  purposes of such  acknowledgement  only, a
Mortgage  Note may be endorsed in blank) and declares that it, or a Custodian as
its  agent,  holds  and  will  hold  such  documents  and  the  other  documents
constituting a part of the Mortgage Files delivered to it, or a Custodian as its
agent, and the rights of Residential Funding with respect to any Pledged Assets,
Additional  Collateral  and the Surety Bond assigned to the Trustee  pursuant to
Section  2.01,  in trust  for the use and  benefit  of all  present  and  future
Certificateholders.  The Trustee or Custodian (such Custodian being so obligated
under a Custodial Agreement) agrees, for the benefit of  Certificateholders,  to
review each Mortgage File delivered to it pursuant to Section  2.01(b) within 45
days  after  the  Closing  Date  to  ascertain   that  all  required   documents
(specifically as set forth in Section 2.01(b)), have been executed and received,
and that such documents  relate to the Mortgage Loans identified on the Mortgage
Loan Schedule, as supplemented, that have been conveyed to it, and to deliver to
the Trustee a certificate (the "Interim  Certification")  to the effect that all
documents  required to be delivered  pursuant to Section 2.01(b) above have been
executed  and  received and that such  documents  relate to the  Mortgage  Loans
identified on the Mortgage Loan Schedule,  except for any  exceptions  listed on
Schedule A attached to such Interim Certification. Upon delivery of the Mortgage
Files by the  Company or the Master  Servicer,  the  Trustee  shall  acknowledge
receipt (or, with respect to Mortgage  Loans  subject to a Custodial  Agreement,
and based  solely upon a receipt or  certification  executed  by the  Custodian,
receipt by the respective  Custodian as the duly appointed agent of the Trustee)
of the documents referred to in Section 2.01(c) above.

        If  the  Custodian,  as the  Trustee's  agent,  finds  any  document  or
documents constituting a part of a Mortgage File to be missing or defective, the
Trustee shall promptly so notify the Master  Servicer and the Company.  Pursuant
to Section 2.3 of the Custodial Agreement,  the Custodian will notify the Master
Servicer, the Company and the Trustee of any such omission or defect found by it
in respect of any Mortgage  File held by it in respect of the items  reviewed by
it pursuant to the Custodial  Agreement.  If such omission or defect  materially
and  adversely  affects  the  interests  of the  Certificateholders,  the Master
Servicer  shall  promptly  notify  the  related  Subservicer  or  Seller of such
omission or defect and request that such  Subservicer  or Seller correct or cure
such  omission or defect  within 60 days from the date the Master  Servicer  was
notified of such omission or defect and, if such  Subservicer or Seller does not
correct  or  cure  such  omission  or  defect  within  such  period,  that  such
Subservicer  or Seller  purchase  such  Mortgage Loan from the Trust Fund at its
Purchase  Price, in either case within 90 days from the date the Master Servicer
was notified of such omission or defect; provided that if the omission or defect
would cause the Mortgage Loan to be other than a "qualified mortgage" as defined
in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within
90 days from the date such breach was  discovered.  The  Purchase  Price for any
such Mortgage Loan, whether purchased by the Seller or the Subservicer, shall be
deposited  or caused to be  deposited  by the Master  Servicer in the  Custodial
Account  maintained  by it pursuant  to Section  3.07 and,  upon  receipt by the
Trustee of written  notification of such deposit signed by a Servicing  Officer,
the Trustee or any  Custodian,  as the case may be, shall  release to the Master
Servicer the related  Mortgage  File and the Trustee  shall  execute and deliver
such instruments of transfer or assignment  prepared by the Master Servicer,  in
each case without  recourse,  as shall be necessary to vest in the Seller or its
designee or the  Subservicer  or its designee,  as the case may be, any Mortgage
Loan released  pursuant  hereto and  thereafter  such Mortgage Loan shall not be
part of the Trust Fund. In furtherance of the foregoing,  if the  Subservicer or
Seller  that  repurchases  the  Mortgage  Loan is not a  member  of MERS and the

                                       37
<PAGE>

Mortgage is registered on the MERS(R) System,  the Master  Servicer,  at its own
expense and without any right of reimbursement,  shall cause MERS to execute and
deliver an  assignment  of the  Mortgage  in  recordable  form to  transfer  the
Mortgage from MERS to such  Subservicer  or Seller and shall cause such Mortgage
to be removed from  registration  on the MERS(R) System in accordance with MERS'
rules and  regulations.  It is understood  and agreed that the obligation of the
Seller  or the  Subservicer,  as the case  may be,  to so cure or  purchase  any
Mortgage  Loan as to which a material  and  adverse  defect in or  omission of a
constituent  document  exists shall  constitute the sole remedy  respecting such
defect or omission available to  Certificateholders  or the Trustee on behalf of
the Certificateholders.

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

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

(i)     The Master Servicer is a corporation  duly organized,  validly  existing
        and in good standing under the laws governing its creation and existence
        and is or will be in compliance with the laws of each state in which any
        Mortgaged  Property  is located to the  extent  necessary  to ensure the
        enforceability  of each Mortgage  Loan in  accordance  with the terms of
        this Agreement;

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

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

(iv)    The  Master  Servicer  is not in  default  with  respect to any order or
        decree of any court or any order,  regulation  or demand of any federal,
        state,  municipal  or  governmental  agency,  which  default  might have
        consequences  that would  materially and adversely  affect the condition
        (financial  or  other)  or  operations  of the  Master  Servicer  or its
        properties or might have  consequences  that would materially  adversely
        affect its performance hereunder;

                                       38
<PAGE>

(v)     No  litigation  is  pending  or,  to the best of the  Master  Servicer's
        knowledge,  threatened  against the Master Servicer which would prohibit
        its entering into this  Agreement or performing  its  obligations  under
        this Agreement;

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

(vii)   No  information,  certificate  of an  officer,  statement  furnished  in
        writing or report delivered to the Company, any Affiliate of the Company
        or the Trustee by the Master  Servicer  will,  to the  knowledge  of the
        Master Servicer, contain any untrue statement of a material fact or omit
        a  material  fact  necessary  to  make  the  information,   certificate,
        statement or report not misleading;

(viii)  The Master  Servicer has examined each  existing,  and will examine each
        new,  Subservicing  Agreement  and is or will be familiar with the terms
        thereof.  The terms of each  existing  Subservicing  Agreement  and each
        designated Subservicer are acceptable to the Master Servicer and any new
        Subservicing Agreements will comply with the provisions of Section 3.02;
        and

(ix)    The  Master  Servicer  is a member  of MERS in good  standing,  and will
        comply in all material respects with the rules and procedures of MERS in
        connection  with the servicing of the Mortgage Loans that are registered
        with MERS.

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

        Upon discovery by either the Company,  the Master Servicer,  the Trustee
or any Custodian of a breach of any representation or warranty set forth in this
Section  2.03(a) which  materially  and  adversely  affects the interests of the
Certificateholders in any Mortgage Loan, the party discovering such breach shall
give  prompt  written  notice  to the  other  parties  (any  Custodian  being so
obligated under a Custodial  Agreement).  Within 90 days of its discovery or its
receipt of notice of such breach, the Master Servicer shall either (i) cure such
breach in all  material  respects or (ii) to the extent that such breach is with
respect to a Mortgage  Loan or a related  document,  purchase such Mortgage Loan
from the Trust Fund at the Purchase Price and in the manner set forth in Section
2.02;  provided  that if the omission or defect would cause the Mortgage Loan to
be other than a  "qualified  mortgage" as defined in Section  860G(a)(3)  of the
Code,  any such cure or repurchase  must occur within 90 days from the date such
breach was discovered. The obligation of the Master Servicer to cure such breach
or to so purchase such Mortgage Loan shall constitute the sole remedy in respect
of a breach of a  representation  and warranty set forth in this Section 2.03(a)
available   to  the   Certificateholders   or  the  Trustee  on  behalf  of  the
Certificateholders.

(b)  Representations and warranties relating to the Mortgage Loans are set forth
in Section 2.03(b) of the Series Supplement.

                                       39
<PAGE>

Section 2.04.  Representations and Warranties of Sellers.

        The Company,  as assignee of  Residential  Funding under the  Assignment
Agreement,  hereby assigns to the Trustee for the benefit of  Certificateholders
all of its right, title and interest in respect of the Assignment  Agreement and
each Seller's Agreement applicable to a Mortgage Loan. Insofar as the Assignment
Agreement or the Company's  rights under such Seller's  Agreement  relate to the
representations and warranties made by Residential Funding or the related Seller
in respect of such Mortgage Loan and any remedies  provided  thereunder  for any
breach of such  representations  and warranties,  such right, title and interest
may be  enforced  by the  Master  Servicer  on  behalf  of the  Trustee  and the
Certificateholders.  Upon the discovery by the Company, the Master Servicer, the
Trustee  or  any  Custodian  of a  breach  of any  of  the  representations  and
warranties  made in a Seller's  Agreement that have been assigned to the Trustee
pursuant to this Section 2.04 or of a breach of any of the  representations  and
warranties made in the Assignment Agreement (which, for purposes hereof, will be
deemed to include any other cause giving rise to a repurchase  obligation  under
the Assignment  Agreement) in respect of any Mortgage Loan which  materially and
adversely affects the interests of the Certificateholders in such Mortgage Loan,
the party  discovering such breach shall give prompt written notice to the other
parties (any  Custodian  being so obligated  under a Custodial  Agreement).  The
Master Servicer shall promptly notify the related Seller or Residential Funding,
as the case may be, of such breach and request  that such Seller or  Residential
Funding,  as the case  may be,  either  (i) cure  such  breach  in all  material
respects  within 90 days from the date the Master  Servicer was notified of such
breach or (ii)  purchase  such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section 2.02;  provided that in the case of
a breach  under the  Assignment  Agreement  Residential  Funding  shall have the
option to  substitute  a Qualified  Substitute  Mortgage  Loan or Loans for such
Mortgage Loan if such substitution occurs within two years following the Closing
Date; provided that if the breach would cause the Mortgage Loan to be other than
a "qualified  mortgage" as defined in Section  860G(a)(3) of the Code,  any such
cure,  repurchase  or  substitution  must occur within 90 days from the date the
breach  was  discovered.  In  the  event  that  Residential  Funding  elects  to
substitute a Qualified  Substitute Mortgage Loan or Loans for a Deleted Mortgage
Loan  pursuant to this Section  2.04,  Residential  Funding shall deliver to the
Trustee for the benefit of the Certificateholders with respect to such Qualified
Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage,  an
Assignment of the Mortgage in recordable  form, if required  pursuant to Section
2.01,  and such other  documents and agreements as are required by Section 2.01,
with the Mortgage Note  endorsed as required by Section  2.01.  No  substitution
will be made in any calendar month after the Determination  Date for such month.
Monthly Payments due with respect to Qualified  Substitute Mortgage Loans in the
month of  substitution  shall not be part of the Trust Fund and will be retained
by the Master  Servicer  and  remitted  by the Master  Servicer  to  Residential
Funding on the next succeeding Distribution Date. For the month of substitution,
distributions to the Certificateholders  will include the Monthly Payment due on
a Deleted Mortgage Loan for such month and thereafter  Residential Funding shall
be entitled to retain all amounts  received in respect of such Deleted  Mortgage
Loan.  The Master  Servicer shall amend or cause to be amended the Mortgage Loan
Schedule,  and, if the Deleted  Mortgage Loan was a Discount  Mortgage Loan, the
Schedule of Discount  Fractions,  for the benefit of the  Certificateholders  to
reflect the removal of such Deleted  Mortgage Loan and the  substitution  of the
Qualified  Substitute  Mortgage  Loan or Loans  and the  Master  Servicer  shall
deliver the amended  Mortgage Loan Schedule,  and, if the Deleted  Mortgage Loan
was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the
Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans
shall be subject to the terms of this  Agreement  and the  related  Subservicing

                                       40
<PAGE>

Agreement in all respects,  the related  Seller shall be deemed to have made the
representations and warranties with respect to the Qualified Substitute Mortgage
Loan contained in the related Seller's Agreement as of the date of substitution,
insofar as Residential  Funding's rights in respect of such  representations and
warranties are assigned to the Company pursuant to the Assignment Agreement, and
the Company and the Master Servicer shall be deemed to have made with respect to
any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution,
the covenants, representations and warranties set forth in this Section 2.04, in
Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master
Servicer  shall be obligated  to  repurchase  or  substitute  for any  Qualified
Substitute  Mortgage  Loan as to which a  Repurchase  Event (as  defined  in the
Assignment  Agreement)  has  occurred  pursuant  to Section 4 of the  Assignment
Agreement.

        In connection with the substitution of one or more Qualified  Substitute
Mortgage Loans for one or more Deleted  Mortgage Loans, the Master Servicer will
determine  the amount (if any) by which the aggregate  principal  balance of all
such Qualified  Substitute Mortgage Loans as of the date of substitution is less
than the aggregate Stated  Principal  Balance of all such Deleted Mortgage Loans
(in each case after application of the principal portion of the Monthly Payments
due  in  the  month  of   substitution   that  are  to  be  distributed  to  the
Certificateholders  in the month of  substitution).  Residential  Funding  shall
deposit the amount of such  shortfall  into the Custodial  Account on the day of
substitution, without any reimbursement therefor. Residential Funding shall give
notice  in  writing  to the  Trustee  of  such  event,  which  notice  shall  be
accompanied by an Officers'  Certificate as to the calculation of such shortfall
and  (subject to Section  10.01(f))  by an Opinion of Counsel to the effect that
such  substitution will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any
REMIC  to  fail  to  qualify  as  such  at any  time  that  any  Certificate  is
outstanding.

        It is  understood  and  agreed  that the  obligation  of the  Seller  or
Residential  Funding, as the case may be, to cure such breach or purchase (or in
the case of  Residential  Funding to  substitute  for) such  Mortgage Loan as to
which such a breach has occurred and is  continuing  shall  constitute  the sole
remedy respecting such breach available to the Certificateholders or the Trustee
on behalf of Certificateholders.  If the Master Servicer is Residential Funding,
then the Trustee shall also have the right to give the  notification and require
the purchase or substitution  provided for in the second preceding  paragraph in
the event of such a breach of a  representation  or warranty made by Residential
Funding in the  Assignment  Agreement.  In  connection  with the  purchase of or
substitution  for any such Mortgage  Loan by  Residential  Funding,  the Trustee
shall  assign to  Residential  Funding  all of the  Trustee's  right,  title and
interest  in respect of the  Seller's  Agreement  and the  Assignment  Agreement
applicable to such Mortgage Loan.

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

               As provided in Section 2.05 of the Series Supplement.

                                       41
<PAGE>

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

               As provided in Section 2.06 of the Series Supplement.

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

               As provided in Section 2.07 of the Series Supplement.

Section 2.08.  Purposes and Powers of the Trust.

        The  purpose of the trust,  as  created  hereunder,  is to engage in the
following activities:

(a) to sell the Certificates to the Company in exchange for the Mortgage Loans;

(b)     to enter into and perform its obligations under this Agreement;

(c) to engage in those activities that are necessary,  suitable or convenient to
accomplish the foregoing or are incidental thereto or connected therewith; and

(d)  subject  to  compliance  with  this  Agreement,  to  engage  in such  other
activities as may be required in connection with  conservation of the Trust Fund
and the making of distributions to the Certificateholders.

               The  trust  is  hereby  authorized  to  engage  in the  foregoing
activities. Notwithstanding the provisions of Section 11.01, the trust shall not
engage in any activity other than in connection with the foregoing or other than
as required or authorized by the terms of this Agreement  while any  Certificate
is outstanding, and this Section 2.08 may not be amended, without the consent of
the  Certificateholders  evidencing a majority of the aggregate Voting Rights of
the Certificates.

                                       42
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

Section 3.01.  Master Servicer to Act as Servicer.

(a) The Master  Servicer  shall  service and  administer  the Mortgage  Loans in
accordance  with the terms of this Agreement and the  respective  Mortgage Loans
and shall have full power and authority, acting alone or through Subservicers as
provided in Section 3.02,  to do any and all things which it may deem  necessary
or desirable in  connection  with such  servicing  and  administration.  Without
limiting the generality of the foregoing, the Master Servicer in its own name or
in the name of a Subservicer  is hereby  authorized and empowered by the Trustee
when the Master  Servicer or the  Subservicer,  as the case may be,  believes it
appropriate  in its best  judgment,  to execute  and  deliver,  on behalf of the
Certificateholders  and the Trustee or any of them,  any and all  instruments of
satisfaction or cancellation,  or of partial or full release or discharge, or of
consent to assumption or modification in connection with a proposed  conveyance,
or of  assignment  of any  Mortgage  and Mortgage  Note in  connection  with the
repurchase  of a Mortgage  Loan and all other  comparable  instruments,  or with
respect to the  modification  or  re-recording  of a Mortgage for the purpose of
correcting the Mortgage,  the subordination of the lien of the Mortgage in favor
of a public utility company or government  agency or unit with powers of eminent
domain,  the  taking  of a  deed  in  lieu  of  foreclosure,  the  commencement,
prosecution  or  completion  of  judicial  or  non-judicial   foreclosure,   the
conveyance of a Mortgaged  Property to the related  Insurer,  the acquisition of
any property  acquired by  foreclosure  or deed in lieu of  foreclosure,  or the
management,  marketing and conveyance of any property acquired by foreclosure or
deed in lieu of foreclosure  with respect to the Mortgage Loans and with respect
to the Mortgaged  Properties.  The Master  Servicer  further is  authorized  and
empowered by the Trustee, on behalf of the  Certificateholders  and the Trustee,
in its own name or in the name of the  Subservicer,  when the Master Servicer or
the  Subservicer,  as the  case  may be,  believes  it  appropriate  in its best
judgment to register  any  Mortgage  Loan on the  MERS(R)  System,  or cause the
removal from the  registration  of any Mortgage Loan on the MERS(R)  System,  to
execute and deliver, on behalf of the Trustee and the  Certificateholders or any
of them, any and all instruments of assignment and other comparable  instruments
with respect to such  assignment  or  re-recording  of a Mortgage in the name of
MERS,  solely as nominee for the Trustee and its  successors  and  assigns.  Any
expenses  incurred in  connection  with the actions  described in the  preceding
sentence  shall be borne by the  Master  Servicer  in  accordance  with  Section
3.16(c), with no right of reimbursement;  provided, that if, as a result of MERS
discontinuing  or becoming unable to continue  operations in connection with the
MERS System,  it becomes necessary to remove any Mortgage Loan from registration
on the MERS System and to arrange for the assignment of the related Mortgages to
the  Trustee,  then any related  expenses  shall be  reimbursable  to the Master
Servicer.  Notwithstanding the foregoing, subject to Section 3.07(a), the Master
Servicer  shall not permit any  modification  with respect to any Mortgage  Loan
that would both  constitute a sale or exchange of such  Mortgage Loan within the
meaning  of  Section  1001 of the  Code  and any  proposed,  temporary  or final
regulations  promulgated  thereunder  (other than in connection  with a proposed
conveyance  or  assumption  of such Mortgage Loan that is treated as a Principal
Prepayment  in Full  pursuant  to Section  3.13(d)  hereof)  and cause any REMIC
formed under the Series Supplement to fail to qualify as a REMIC under the Code.
The Trustee  shall  furnish the Master  Servicer with any powers of attorney and
other  documents  necessary  or  appropriate  to enable the Master  Servicer  to

                                       43
<PAGE>

service and administer the Mortgage  Loans.  The Trustee shall not be liable for
any action  taken by the Master  Servicer  or any  Subservicer  pursuant to such
powers of attorney.  In servicing and administering any Nonsubserviced  Mortgage
Loan,  the Master  Servicer  shall,  to the extent  not  inconsistent  with this
Agreement,  comply with the Program  Guide as if it were the  originator of such
Mortgage Loan and had retained the servicing  rights and  obligations in respect
thereof.  In connection with servicing and administering the Mortgage Loans, the
Master  Servicer  and any  Affiliate  of the  Master  Servicer  (i) may  perform
services such as  appraisals  and  brokerage  services that are not  customarily
provided by servicers  of mortgage  loans,  and shall be entitled to  reasonable
compensation  therefor in accordance  with Section 3.10 and (ii) may, at its own
discretion and on behalf of the Trustee,  obtain credit  information in the form
of a "credit score" from a credit repository.

(b) All costs incurred by the Master  Servicer or by  Subservicers  in effecting
the timely payment of taxes and  assessments  on the  properties  subject to the
Mortgage Loans shall not, for the purpose of calculating  monthly  distributions
to the  Certificateholders,  be added to the  amount  owing  under  the  related
Mortgage Loans,  notwithstanding that the terms of such Mortgage Loan so permit,
and  such  costs  shall  be  recoverable  to the  extent  permitted  by  Section
3.10(a)(ii).

(c) The Master Servicer may enter into one or more agreements in connection with
the offering of pass-through certificates evidencing interests in one or more of
the  Certificates  providing  for the payment by the Master  Servicer of amounts
received by the Master Servicer as servicing compensation hereunder and required
to cover certain  Prepayment  Interest  Shortfalls on the Mortgage Loans,  which
payment  obligation  will  thereafter be an  obligation  of the Master  Servicer
hereunder.

Section 3.02.  Subservicing Agreements Between Master Servicer and Subservicers;
     Enforcement of Subservicers' and Sellers' Obligations.

(a) The Master Servicer may continue in effect  Subservicing  Agreements entered
into by Residential Funding and Subservicers prior to the execution and delivery
of  this  Agreement,  and  may  enter  into  new  Subservicing  Agreements  with
Subservicers,  for  the  servicing  and  administration  of all or  some  of the
Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive
and retain,  as provided in the related  Subservicing  Agreement  and in Section
3.07, the related  Subservicing  Fee from payments of interest  received on such
Mortgage Loan after payment of all amounts required to be remitted to the Master
Servicer  in respect of such  Mortgage  Loan.  For any  Mortgage  Loan that is a
Nonsubserviced  Mortgage Loan, the Master  Servicer shall be entitled to receive
and retain an amount equal to the  Subservicing  Fee from  payments of interest.
Unless the context otherwise  requires,  references in this Agreement to actions
taken or to be taken by the Master  Servicer in  servicing  the  Mortgage  Loans
include  actions taken or to be taken by a  Subservicer  on behalf of the Master
Servicer.  Each Subservicing Agreement will be upon such terms and conditions as
are  generally   required  or  permitted  by  the  Program  Guide  and  are  not
inconsistent  with this Agreement and as the Master Servicer and the Subservicer
have agreed. A representative form of Subservicing Agreement is attached to this

                                       44
<PAGE>

Agreement as Exhibit E. With the approval of the Master Servicer,  a Subservicer
may  delegate its  servicing  obligations  to  third-party  servicers,  but such
Subservicer will remain obligated under the related Subservicing Agreement.  The
Master  Servicer  and a  Subservicer  may enter  into  amendments  thereto  or a
different form of Subservicing  Agreement,  and the form referred to or included
in the Program Guide is merely  provided for information and shall not be deemed
to limit in any respect the discretion of the Master Servicer to modify or enter
into  different  Subservicing  Agreements;  provided,  however,  that  any  such
amendments  or  different  forms  shall be  consistent  with and not violate the
provisions of either this Agreement or the Program Guide in a manner which would
materially and adversely affect the interests of the Certificateholders.

(b) As part of its servicing activities hereunder,  the Master Servicer, for the
benefit of the Trustee and the Certificateholders, shall use its best reasonable
efforts  to  enforce  the  obligations  of each  Subservicer  under the  related
Subservicing  Agreement and of each Seller under the related Seller's  Agreement
insofar as the  Company's  rights with respect to Seller's  obligation  has been
assigned to the Trustee hereunder, to the extent that the non-performance of any
such Seller's  obligation would have a material and adverse effect on a Mortgage
Loan, including,  without limitation, the obligation to purchase a Mortgage Loan
on account of  defective  documentation,  as described  in Section  2.02,  or on
account of a breach of a  representation  or  warranty,  as described in Section
2.04. Such enforcement,  including, without limitation, the legal prosecution of
claims,  termination  of  Subservicing  Agreements  or Seller's  Agreements,  as
appropriate,  and the pursuit of other  appropriate  remedies,  shall be in such
form and carried  out to such an extent and at such time as the Master  Servicer
would employ in its good faith business  judgment and which are normal and usual
in its general mortgage servicing activities.  The Master Servicer shall pay the
costs of such enforcement at its own expense,  and shall be reimbursed  therefor
only (i) from a general recovery  resulting from such enforcement to the extent,
if any,  that such  recovery  exceeds  all amounts due in respect of the related
Mortgage Loan or (ii) from a specific  recovery of costs,  expenses or attorneys
fees against the party against whom such  enforcement is directed.  For purposes
of clarification  only, the parties agree that the foregoing is not intended to,
and does not,  limit the  ability of the Master  Servicer to be  reimbursed  for
expenses  that are incurred in  connection  with the  enforcement  of a Seller's
obligations  (insofar  as the  Company's  rights with  respect to such  Seller's
obligations  have been assigned to the Trustee  hereunder) and are  reimbursable
pursuant to Section 3.10(a)(viii).

Section 3.03.  Successor Subservicers.

        The Master  Servicer  shall be entitled to  terminate  any  Subservicing
Agreement  that may exist in  accordance  with the terms and  conditions of such
Subservicing  Agreement and without any limitation by virtue of this  Agreement;
provided,  however,  that  in the  event  of  termination  of  any  Subservicing
Agreement by the Master Servicer or the  Subservicer,  the Master Servicer shall
either act as servicer of the related Mortgage Loan or enter into a Subservicing
Agreement with a successor  Subservicer  which will be bound by the terms of the
related  Subservicing  Agreement.  If the Master  Servicer or any  Affiliate  of
Residential  Funding  acts as  servicer,  it will not assume  liability  for the
representations  and  warranties of the  Subservicer  which it replaces.  If the
Master  Servicer   enters  into  a  Subservicing   Agreement  with  a  successor
Subservicer,  the  Master  Servicer  shall use  reasonable  efforts  to have the
successor  Subservicer assume liability for the  representations  and warranties
made by the terminated Subservicer in respect of the related Mortgage Loans and,

                                       45
<PAGE>

in the event of any such  assumption  by the successor  Subservicer,  the Master
Servicer may, in the exercise of its business  judgment,  release the terminated
Subservicer from liability for such representations and warranties.

Section 3.04.  Liability of the Master Servicer.
               --------------------------------

        Notwithstanding  any  Subservicing  Agreement,  any of the provisions of
this  Agreement  relating  to  agreements  or  arrangements  between  the Master
Servicer or a Subservicer or reference to actions taken through a Subservicer or
otherwise,  the Master Servicer shall remain obligated and liable to the Trustee
and the  Certificateholders  for the servicing and administering of the Mortgage
Loans in accordance  with the  provisions of Section 3.01 without  diminution of
such  obligation  or  liability  by virtue of such  Subservicing  Agreements  or
arrangements or by virtue of indemnification from the Subservicer or the Company
and to the same extent and under the same terms and  conditions as if the Master
Servicer alone were servicing and  administering  the Mortgage Loans. The Master
Servicer  shall be entitled to enter into any agreement  with a  Subservicer  or
Seller for  indemnification of the Master Servicer and nothing contained in this
Agreement shall be deemed to limit or modify such indemnification.

Section 3.05.  No Contractual Relationship Between Subservicer and
                      Trustee or Certificateholders.
                      -----------------------------

        Any  Subservicing  Agreement  that may be  entered  into  and any  other
transactions or services  relating to the Mortgage Loans involving a Subservicer
in its capacity as such and not as an  originator  shall be deemed to be between
the  Subservicer  and  the  Master  Servicer  alone  and  the  Trustee  and  the
Certificateholders shall not be deemed parties thereto and shall have no claims,
rights,  obligations,  duties or liabilities  with respect to the Subservicer in
its  capacity  as such  except  as set  forth in  Section  3.06.  The  foregoing
provision  shall  not in any way  limit a  Subservicer's  obligation  to cure an
omission or defect or to  repurchase  a Mortgage  Loan as referred to in Section
2.02 hereof.

Section 3.06.  Assumption or Termination of Subservicing Agreements by Trustee.
               ---------------------------------------------------------------

(a) If the Master Servicer shall for any reason no longer be the master servicer
(including by reason of an Event of Default),  the Trustee,  its designee or its
successor shall thereupon assume all of the rights and obligations of the Master
Servicer under each Subservicing  Agreement that may have been entered into. The
Trustee,  its designee or the successor servicer for the Trustee shall be deemed
to have  assumed  all of the  Master  Servicer's  interest  therein  and to have
replaced  the Master  Servicer as a party to the  Subservicing  Agreement to the
same extent as if the  Subservicing  Agreement had been assigned to the assuming
party  except  that the Master  Servicer  shall not  thereby be  relieved of any
liability or obligations under the Subservicing Agreement.

(b) The Master Servicer shall, upon request of the Trustee but at the expense of
the Master  Servicer,  deliver to the assuming  party all  documents and records
relating  to each  Subservicing  Agreement  and the  Mortgage  Loans  then being
serviced and an accounting of amounts collected and held by it and otherwise use
its  best  efforts  to  effect  the  orderly  and  efficient  transfer  of  each
Subservicing Agreement to the assuming party.

                                       46
<PAGE>

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

(a) The Master  Servicer shall make  reasonable  efforts to collect all payments
called for under the terms and provisions of the Mortgage  Loans,  and shall, to
the extent such procedures shall be consistent with this Agreement and the terms
and provisions of any related Primary Insurance  Policy,  follow such collection
procedures as it would employ in its good faith business  judgment and which are
normal and usual in its general mortgage servicing  activities.  Consistent with
the  foregoing,  the Master  Servicer may in its  discretion  (i) waive any late
payment charge or any prepayment  charge or penalty  interest in connection with
the  prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due
on a Mortgage Loan in accordance with the Program Guide; provided, however, that
the Master Servicer shall first determine that any such waiver or extension will
not impair the coverage of any related  Primary  Insurance  Policy or materially
adversely  affect  the lien of the  related  Mortgage.  In the event of any such
arrangement,  the Master  Servicer  shall make  timely  advances  on the related
Mortgage Loan during the scheduled  period in accordance  with the  amortization
schedule of such  Mortgage Loan without  modification  thereof by reason of such
arrangements  unless  otherwise  agreed  to by the  Holders  of the  Classes  of
Certificates affected thereby;  provided,  however, that no such extension shall
be made if any such advance would be a Nonrecoverable  Advance.  Consistent with
the terms of this Agreement,  the Master Servicer may also waive, modify or vary
any  term  of any  Mortgage  Loan  or  consent  to the  postponement  of  strict
compliance with any such term or in any manner grant indulgence to any Mortgagor
if  in  the  Master   Servicer's   determination   such  waiver,   modification,
postponement  or  indulgence is not  materially  adverse to the interests of the
Certificateholders  (taking into account any estimated  Realized Loss that might
result absent such action); provided,  however, that the Master Servicer may not
modify  materially  or permit  any  Subservicer  to modify  any  Mortgage  Loan,
including  without  limitation any  modification  that would change the Mortgage
Rate,  forgive the payment of any  principal or interest  (unless in  connection
with the  liquidation of the related  Mortgage Loan or except in connection with
prepayments to the extent that such  reamortization is not inconsistent with the
terms of the Mortgage  Loan), or extend the final maturity date of such Mortgage
Loan,  unless such Mortgage Loan is in default or, in the judgment of the Master
Servicer, such default is reasonably foreseeable; and provided, further, that no
such  modification  shall reduce the interest  rate on a Mortgage Loan below the
sum of the Pool Strip Rate and the sum of the rates at which the  Servicing  Fee
and the  Subservicing  Fee  with  respect  to such  Mortgage  Loan  accrues.  In
connection with any Curtailment of a Mortgage Loan, the Master Servicer,  to the
extent not  inconsistent  with the terms of the Mortgage  Note and local law and
practice,  may permit the Mortgage Loan to be reamortized  such that the Monthly
Payment is  recalculated  as an amount that will fully  amortize  the  remaining
Stated  Principal  Balance  thereof by the original  Maturity  Date based on the
original  Mortgage  Rate;  provided,  that  such  re-amortization  shall  not be
permitted if it would  constitute a reissuance  of the Mortgage Loan for federal
income  tax  purposes,  except  if such  reissuance  is  described  in  Treasury
Regulation Section 1.860G-2(b)(3).

(b) The Master  Servicer  shall  establish  and maintain a Custodial  Account in
which the Master  Servicer  shall  deposit or cause to be  deposited  on a daily
basis, except as otherwise  specifically provided herein, the following payments
and  collections  remitted by  Subservicers  or received by it in respect of the
Mortgage  Loans  subsequent  to the  Cut-off  Date  (other  than in  respect  of
principal and interest on the Mortgage Loans due on or before the Cut-off Date):

                                       47
<PAGE>

(i)     All payments on account of principal,  including  Principal  Prepayments
        made by Mortgagors on the Mortgage Loans and the principal  component of
        any  Subservicer  Advance or of any REO Proceeds  received in connection
        with an REO Property for which an REO Disposition has occurred;

(ii)    All payments on account of interest at the Adjusted Mortgage Rate on the
        Mortgage  Loans,  including  Buydown  Funds,  if any,  and the  interest
        component of any Subservicer  Advance or of any REO Proceeds received in
        connection  with  an REO  Property  for  which  an REO  Disposition  has
        occurred;

(iii)Insurance Proceeds,  Subsequent Recoveries and Liquidation Proceeds (net of
     any related expenses of the Subservicer);

(iv)    All proceeds of any Mortgage Loans  purchased  pursuant to Section 2.02,
        2.03,  2.04  or  4.07  and  all  amounts  required  to be  deposited  in
        connection with the substitution of a Qualified Substitute Mortgage Loan
        pursuant to Section 2.03 or 2.04;

(v)  Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21;

(vi) All  amounts  transferred  from the  Certificate  Account to the  Custodial
     Account in accordance with Section 4.02(a);

(vii)Any  amounts  realized  by the  Subservicer  and  received  by  the  Master
     Servicer in respect of any Additional Collateral; and

(viii) Any amounts received by the Master Servicer in respect of Pledged Assets.

The  foregoing  requirements  for  deposit  in the  Custodial  Account  shall be
exclusive,  it being understood and agreed that, without limiting the generality
of the foregoing, payments on the Mortgage Loans which are not part of the Trust
Fund  (consisting  of  payments  in respect of  principal  and  interest  on the
Mortgage Loans due on or before the Cut-off Date) and payments or collections in
the nature of prepayment  charges or late payment charges or assumption fees may
but need not be deposited by the Master  Servicer in the Custodial  Account.  In
the event any amount not required to be deposited in the Custodial Account is so
deposited,  the Master  Servicer may at any time  withdraw  such amount from the
Custodial  Account,  any provision herein to the contrary  notwithstanding.  The
Custodial  Account  may  contain  funds that  belong to one or more trust  funds
created for mortgage  pass-through  certificates of other series and may contain
other  funds  respecting  payments  on mortgage  loans  belonging  to the Master
Servicer  or   serviced   or  master   serviced  by  it  on  behalf  of  others.
Notwithstanding  such  commingling  of funds,  the  Master  Servicer  shall keep
records that  accurately  reflect the funds on deposit in the Custodial  Account
that have been identified by it as being attributable to the Mortgage Loans.

        With respect to Insurance Proceeds,  Liquidation Proceeds,  REO Proceeds
and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02,
2.03,  2.04 and 4.07  received in any calendar  month,  the Master  Servicer may
elect to treat such amounts as included in the Available Distribution Amount for
the Distribution Date in the month of receipt, but is not obligated to do so. If
the Master Servicer so elects, such amounts will be deemed to have been received
(and any related Realized Loss shall be deemed to have occurred) on the last day
of the month prior to the receipt thereof.

                                       48
<PAGE>

(c) The Master  Servicer  shall use its best  efforts  to cause the  institution
maintaining the Custodial  Account to invest the funds in the Custodial  Account
attributable to the Mortgage Loans in Permitted  Investments  which shall mature
not later than the  Certificate  Account Deposit Date next following the date of
such investment (with the exception of the Amount Held for Future  Distribution)
and which shall not be sold or disposed of prior to their maturities. All income
and gain  realized  from any such  investment  shall be for the  benefit  of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal  or order from time to time.  The amount of any  losses  incurred  in
respect of any such  investments  attributable  to the  investment of amounts in
respect of the Mortgage Loans shall be deposited in the Custodial Account by the
Master Servicer out of its own funds  immediately as realized  without any right
of reimbursement.

(d) The Master  Servicer shall give notice to the Trustee and the Company of any
change  in the  location  of the  Custodial  Account  and  the  location  of the
Certificate Account prior to the use thereof.

Section 3.08.  Subservicing Accounts; Servicing Accounts.

(a) In those cases where a Subservicer  is servicing a Mortgage Loan pursuant to
a  Subservicing  Agreement,  the Master  Servicer  shall cause the  Subservicer,
pursuant to the  Subservicing  Agreement,  to establish and maintain one or more
Subservicing  Accounts which shall be an Eligible Account or, if such account is
not an Eligible Account, shall generally satisfy the requirements of the Program
Guide and be otherwise acceptable to the Master Servicer and each Rating Agency.
The  Subservicer  will be  required  thereby  to deposit  into the  Subservicing
Account  on a daily  basis  all  proceeds  of  Mortgage  Loans  received  by the
Subservicer,  less its Subservicing Fees and unreimbursed advances and expenses,
to the extent  permitted  by the  Subservicing  Agreement.  If the  Subservicing
Account is not an Eligible Account,  the Master Servicer shall be deemed to have
received such monies upon receipt  thereof by the  Subservicer.  The Subservicer
shall not be  required  to  deposit  in the  Subservicing  Account  payments  or
collections  in the nature of  prepayment  charges or late charges or assumption
fees.  On or before the date  specified  in the Program  Guide,  but in no event
later  than  the  Determination  Date,  the  Master  Servicer  shall  cause  the
Subservicer,  pursuant  to the  Subservicing  Agreement,  to remit to the Master
Servicer for deposit in the Custodial Account all funds held in the Subservicing
Account with respect to each Mortgage Loan serviced by such Subservicer that are
required to be remitted to the Master  Servicer.  The  Subservicer  will also be
required,  pursuant to the Subservicing  Agreement, to advance on such scheduled
date of  remittance  amounts  equal to any  scheduled  monthly  installments  of
principal  and interest  less its  Subservicing  Fees on any Mortgage  Loans for
which payment was not received by the  Subservicer.  This  obligation to advance
with respect to each  Mortgage  Loan will continue up to and including the first
of the month following the date on which the related Mortgaged  Property is sold
at a  foreclosure  sale  or is  acquired  by the  Trust  Fund by deed in lieu of
foreclosure  or  otherwise.  All such advances  received by the Master  Servicer
shall be deposited promptly by it in the Custodial Account.

                                       49
<PAGE>

(b)  The  Subservicer  may  also  be  required,  pursuant  to  the  Subservicing
Agreement,  to remit to the Master Servicer for deposit in the Custodial Account
interest at the Adjusted  Mortgage  Rate (or Modified Net Mortgage Rate plus the
rate per annum at which the  Servicing  Fee  accrues  in the case of a  Modified
Mortgage Loan) on any Curtailment  received by such  Subservicer in respect of a
Mortgage Loan from the related  Mortgagor during any month that is to be applied
by the  Subservicer  to reduce  the  unpaid  principal  balance  of the  related
Mortgage Loan as of the first day of such month, from the date of application of
such  Curtailment to the first day of the following month. Any amounts paid by a
Subservicer  pursuant to the preceding  sentence shall be for the benefit of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal or order from time to time pursuant to Sections 3.10(a)(iv) and (v).

(c) In addition to the Custodial Account and the Certificate Account, the Master
Servicer  shall  for any  Nonsubserviced  Mortgage  Loan,  and  shall  cause the
Subservicers  for Subserviced  Mortgage Loans to,  establish and maintain one or
more Servicing  Accounts and deposit and retain therein all collections from the
Mortgagors   (or  advances  from   Subservicers)   for  the  payment  of  taxes,
assessments,  hazard insurance premiums,  Primary Insurance Policy premiums,  if
applicable,  or  comparable  items  for  the  account  of the  Mortgagors.  Each
Servicing Account shall satisfy the requirements for a Subservicing Account and,
to the extent  permitted by the Program  Guide or as is otherwise  acceptable to
the Master Servicer, may also function as a Subservicing Account. Withdrawals of
amounts  related to the Mortgage  Loans from the Servicing  Accounts may be made
only to effect timely payment of taxes, assessments,  hazard insurance premiums,
Primary  Insurance  Policy  premiums,  if applicable,  or comparable  items,  to
reimburse the Master Servicer or Subservicer out of related  collections for any
payments made  pursuant to Sections 3.11 (with respect to the Primary  Insurance
Policy)  and  3.12(a)  (with  respect  to  hazard  insurance),  to refund to any
Mortgagors  any sums as may be  determined to be overages,  to pay interest,  if
required,  to Mortgagors  on balances in the  Servicing  Account or to clear and
terminate  the  Servicing  Account  at the  termination  of  this  Agreement  in
accordance with Section 9.01 or in accordance with the Program Guide. As part of
its servicing  duties,  the Master Servicer shall,  and the  Subservicers  will,
pursuant to the  Subservicing  Agreements,  be required to pay to the Mortgagors
interest on funds in this account to the extent required by law.

(d) The Master Servicer shall advance the payments  referred to in the preceding
subsection  that  are not  timely  paid by the  Mortgagors  or  advanced  by the
Subservicers  on the date when the tax,  premium  or other  cost for which  such
payment is  intended  is due,  but the Master  Servicer  shall be required so to
advance only to the extent that such advances, in the good faith judgment of the
Master  Servicer,  will be recoverable  by the Master  Servicer out of Insurance
Proceeds, Liquidation Proceeds or otherwise.

Section 3.09.  Access to Certain Documentation and
                      Information Regarding the Mortgage Loans.
                      ----------------------------------------

        If   compliance   with  this  Section  3.09  shall  make  any  Class  of
Certificates  legal  for  investment  by  federally  insured  savings  and  loan
associations,  the Master Servicer shall provide,  or cause the  Subservicers to
provide,  to the Trustee,  the Office of Thrift  Supervision or the FDIC and the
supervisory  agents and examiners thereof access to the documentation  regarding
the Mortgage  Loans  required by applicable  regulations of the Office of Thrift

                                       50
<PAGE>

Supervision,  such access being afforded without charge but only upon reasonable
request and during normal business hours at the offices designated by the Master
Servicer. The Master Servicer shall permit such representatives to photocopy any
such  documentation  and shall  provide  equipment  for that purpose at a charge
reasonably approximating the cost of such photocopying to the Master Servicer.

Section 3.10.  Permitted Withdrawals from the Custodial Account.

(a) The  Master  Servicer  may,  from  time to time  as  provided  herein,  make
withdrawals from the Custodial Account of amounts on deposit therein pursuant to
Section  3.07 that are  attributable  to the  Mortgage  Loans for the  following
purposes:

(i)  to make  deposits  into the  Certificate  Account in the amounts and in the
     manner provided for in Section 4.01;

(ii) to reimburse itself or the related Subservicer for previously  unreimbursed
     advances or expenses made pursuant to Sections 3.01,  3.07(a),  3.08, 3.11,
     3.12(a),  3.14 and 4.04 or otherwise  reimbursable pursuant to the terms of
     this Agreement,  such withdrawal right being limited to amounts received on
     particular  Mortgage  Loans  (including,  for this  purpose,  REO Proceeds,
     Insurance Proceeds,  Liquidation Proceeds and proceeds from the purchase of
     a  Mortgage  Loan  pursuant  to Section  2.02,  2.03,  2.04 or 4.07)  which
     represent  (A) Late  Collections  of  Monthly  Payments  for which any such
     advance was made in the case of Subservicer  Advances or Advances  pursuant
     to  Section  4.04 and (B)  recoveries  of  amounts in respect of which such
     advances were made in the case of Servicing Advances;

(iii)to pay to itself or the related  Subservicer (if not previously retained by
     such  Subservicer)  out of each payment  received by the Master Servicer on
     account of interest on a Mortgage Loan as contemplated by Sections 3.14 and
     3.16, an amount equal to that  remaining  portion of any such payment as to
     interest (but not in excess of the Servicing Fee and the Subservicing  Fee,
     if not  previously  retained)  which,  when  deducted,  will  result in the
     remaining  amount of such interest  being interest at the Net Mortgage Rate
     (or Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan) on
     the amount specified in the  amortization  schedule of the related Mortgage
     Loan as the  principal  balance  thereof  at the  beginning  of the  period
     respecting which such interest was paid after giving effect to any previous
     Curtailments;

(iv)    to pay to itself as additional  servicing  compensation  any interest or
        investment  income  earned on funds and other  property  deposited in or
        credited  to the  Custodial  Account  that it is  entitled  to  withdraw
        pursuant to Section 3.07(c);

(v)     to pay to itself as additional  servicing  compensation  any Foreclosure
        Profits,  any amounts remitted by Subservicers as interest in respect of
        Curtailments  pursuant to Section  3.08(b),  and any  amounts  paid by a
        Mortgagor in connection  with a Principal  Prepayment in Full in respect
        of  interest  for any  period  during the  calendar  month in which such
        Principal   Prepayment   in   Full   is  to  be   distributed   to   the
        Certificateholders;

                                       51
<PAGE>

(vi)    to pay to itself,  a Subservicer,  a Seller,  Residential  Funding,  the
        Company  or any  other  appropriate  Person,  as the case  may be,  with
        respect to each  Mortgage Loan or property  acquired in respect  thereof
        that has been  purchased  or otherwise  transferred  pursuant to Section
        2.02,  2.03,  2.04, 4.07 or 9.01, all amounts  received  thereon and not
        required to be distributed to the  Certificateholders  as of the date on
        which  the  related  Stated  Principal  Balance  or  Purchase  Price  is
        determined;

(vii)   to reimburse  itself or the related  Subservicer for any  Nonrecoverable
        Advance  or  Advances  in  the  manner  and to the  extent  provided  in
        subsection (c) below, any Advance made in connection with a modification
        of a Mortgage  Loan that is in default or, in the judgment of the Master
        Servicer, default is reasonably foreseeable pursuant to Section 3.07(a),
        to  the  extent  the  amount  of  the  Advance  has  been  added  to the
        outstanding  principal  balance of the  Mortgage  Loan,  or any  Advance
        reimbursable to the Master Servicer pursuant to Section 4.02(a);

(viii)  to  reimburse  itself  or  the  Company  for  expenses  incurred  by and
        reimbursable to it or the Company  pursuant to Sections  3.01(a),  3.11,
        3.13,  3.14(c),  6.03,  10.01  or  otherwise,   or  in  connection  with
        enforcing,   in  accordance   with  this   Agreement,   any  repurchase,
        substitution or indemnification  obligation of any Seller (other than an
        Affiliate of the Company) pursuant to the related Seller's Agreement;

(ix)    to reimburse itself for Servicing  Advances  expended by it (a) pursuant
        to Section  3.14 in good faith in  connection  with the  restoration  of
        property  damaged by an Uninsured  Cause, and (b) in connection with the
        liquidation  of a Mortgage Loan or disposition of an REO Property to the
        extent not otherwise reimbursed pursuant to clause (ii) or (viii) above;
        and

(x)  to withdraw  any amount  deposited  in the  Custodial  Account that was not
     required to be deposited therein pursuant to Section 3.07.

(b) Since, in connection with withdrawals  pursuant to clauses (ii),  (iii), (v)
and (vi), the Master Servicer's entitlement thereto is limited to collections or
other  recoveries on the related  Mortgage Loan, the Master  Servicer shall keep
and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for
the purpose of justifying any withdrawal from the Custodial  Account pursuant to
such clauses.

(c) The Master  Servicer  shall be entitled to  reimburse  itself or the related
Subservicer  for any advance made in respect of a Mortgage  Loan that the Master
Servicer  determines  to be a  Nonrecoverable  Advance  by  withdrawal  from the
Custodial  Account of amounts on deposit  therein  attributable  to the Mortgage
Loans  on any  Certificate  Account  Deposit  Date  succeeding  the date of such
determination.  Such  right of  reimbursement  in  respect  of a  Nonrecoverable
Advance  on any such  Certificate  Account  Deposit  Date shall be limited to an
amount  not   exceeding  the  portion  of  such  advance   previously   paid  to
Certificateholders (and not theretofore reimbursed to the Master Servicer or the
related Subservicer).

                                       52
<PAGE>

Section 3.11.  Maintenance of the Primary Insurance
                      Policies; Collections Thereunder.

(a) The Master  Servicer shall not take, or permit any  Subservicer to take, any
action which would result in non-coverage under any applicable Primary Insurance
Policy  of any  loss  which,  but for the  actions  of the  Master  Servicer  or
Subservicer,  would have been  covered  thereunder.  To the extent  coverage  is
available,  the Master Servicer shall keep or cause to be kept in full force and
effect each such Primary  Insurance  Policy until the  principal  balance of the
related Mortgage Loan secured by a Mortgaged  Property is reduced to 80% or less
of  the  Appraised  Value  in  the  case  of  such  a  Mortgage  Loan  having  a
Loan-to-Value  Ratio at origination in excess of 80%, provided that such Primary
Insurance  Policy  was in  place as of the  Cut-off  Date  and the  Company  had
knowledge  of such  Primary  Insurance  Policy.  The  Master  Servicer  shall be
entitled to cancel or permit the discontinuation of any Primary Insurance Policy
as to any Mortgage Loan, if the Stated Principal Balance of the Mortgage Loan is
reduced  below an  amount  equal to 80% of the  appraised  value of the  related
Mortgaged  Property as  determined  in any  appraisal  thereof after the Closing
Date,  or if the  Loan-to-Value  Ratio  is  reduced  below  80% as a  result  of
principal  payments on the Mortgage  Loan after the Closing  Date.  In the event
that the Company  gains  knowledge  that as of the Closing Date, a Mortgage Loan
had a Loan-to-Value Ratio at origination in excess of 80% and is not the subject
of a Primary  Insurance  Policy (and was not  included in any  exception  to the
representation in Section 2.03(b)(iv)) and that such Mortgage Loan has a current
Loan-to-Value  Ratio in excess  of 80% then the  Master  Servicer  shall use its
reasonable  efforts to obtain and  maintain  a Primary  Insurance  Policy to the
extent  that such a policy is  obtainable  at a  reasonable  price.  The  Master
Servicer shall not cancel or refuse to renew any such Primary  Insurance  Policy
applicable to a  Nonsubserviced  Mortgage  Loan,  or consent to any  Subservicer
canceling or refusing to renew any such Primary Insurance Policy applicable to a
Mortgage  Loan  subserviced  by it, that is in effect at the date of the initial
issuance  of the  Certificates  and is  required  to be kept in force  hereunder
unless the replacement Primary Insurance Policy for such canceled or non-renewed
policy is maintained with an insurer whose  claims-paying  ability is acceptable
to each Rating  Agency for mortgage  pass-through  certificates  having a rating
equal to or better  than the  lower of the  then-current  rating  or the  rating
assigned to the Certificates as of the Closing Date by such Rating Agency.

(b) In  connection  with its  activities  as  administrator  and servicer of the
Mortgage  Loans,  the Master  Servicer agrees to present or to cause the related
Subservicer to present,  on behalf of the Master Servicer,  the Subservicer,  if
any, the Trustee and Certificateholders, claims to the related Insurer under any
Primary Insurance Policies, in a timely manner in accordance with such policies,
and,  in this  regard,  to take or cause to be taken such  reasonable  action as
shall be  necessary  to permit  recovery  under any Primary  Insurance  Policies
respecting  defaulted  Mortgage  Loans.  Pursuant to Section 3.07, any Insurance
Proceeds  collected  by or  remitted  to the Master  Servicer  under any Primary
Insurance  Policies  shall be deposited  in the  Custodial  Account,  subject to
withdrawal pursuant to Section 3.10.

Section 3.12.  Maintenance of Fire Insurance and
                      Omissions and Fidelity Coverage.

(a) The Master  Servicer  shall cause to be  maintained  for each  Mortgage Loan
(other than a Cooperative  Loan) fire  insurance  with  extended  coverage in an
amount  which is equal to the  lesser  of the  principal  balance  owing on such
Mortgage  Loan  or 100  percent  of the  insurable  value  of the  improvements;

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<PAGE>

provided,  however,  that such coverage may not be less than the minimum  amount
required to fully compensate for any loss or damage on a replacement cost basis.
To the extent it may do so without breaching the related Subservicing Agreement,
the Master  Servicer  shall  replace  any  Subservicer  that does not cause such
insurance, to the extent it is available, to be maintained.  The Master Servicer
shall also cause to be maintained on property acquired upon foreclosure, or deed
in lieu of  foreclosure,  of any Mortgage Loan (other than a Cooperative  Loan),
fire  insurance  with extended  coverage in an amount which is at least equal to
the  amount  necessary  to avoid  the  application  of any  co-insurance  clause
contained in the related hazard insurance policy.  Pursuant to Section 3.07, any
amounts  collected by the Master  Servicer  under any such policies  (other than
amounts to be  applied to the  restoration  or repair of the  related  Mortgaged
Property  or property  thus  acquired or amounts  released to the  Mortgagor  in
accordance with the Master  Servicer's  normal  servicing  procedures)  shall be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10. Any cost incurred by the Master Servicer in maintaining any such insurance
shall  not,  for  the  purpose  of  calculating  monthly  distributions  to  the
Certificateholders,  be added to the  amount  owing  under  the  Mortgage  Loan,
notwithstanding  that the terms of the Mortgage Loan so permit. Such costs shall
be  recoverable  by the Master  Servicer  out of related  late  payments  by the
Mortgagor or out of Insurance  Proceeds and  Liquidation  Proceeds to the extent
permitted by Section  3.10.  It is  understood  and agreed that no earthquake or
other  additional  insurance is to be required of any Mortgagor or maintained on
property  acquired  in respect of a Mortgage  Loan other than  pursuant  to such
applicable  laws and  regulations  as shall at any time be in force and as shall
require such additional insurance. Whenever the improvements securing a Mortgage
Loan (other than a Cooperative  Loan) are located at the time of  origination of
such Mortgage  Loan in a federally  designated  special  flood hazard area,  the
Master  Servicer  shall cause flood  insurance  (to the extent  available) to be
maintained in respect thereof.  Such flood insurance shall be in an amount equal
to the lesser of (i) the amount required to compensate for any loss or damage to
the Mortgaged  Property on a replacement  cost basis and (ii) the maximum amount
of such  insurance  available  for the  related  Mortgaged  Property  under  the
national flood insurance program (assuming that the area in which such Mortgaged
Property is located is participating in such program).

        If the  Master  Servicer  shall  obtain  and  maintain  a  blanket  fire
insurance policy with extended coverage insuring against hazard losses on all of
the  Mortgage  Loans,  it shall  conclusively  be deemed to have  satisfied  its
obligations as set forth in the first sentence of this Section 3.12(a), it being
understood and agreed that such policy may contain a deductible clause, in which
case the Master  Servicer  shall,  in the event  that there  shall not have been
maintained on the related  Mortgaged  Property a policy complying with the first
sentence  of this  Section  3.12(a) and there shall have been a loss which would
have been covered by such policy,  deposit in the Certificate Account the amount
not  otherwise  payable  under the  blanket  policy  because of such  deductible
clause. Any such deposit by the Master Servicer shall be made on the Certificate
Account  Deposit Date next preceding the  Distribution  Date which occurs in the
month  following  the month in which  payments  under any such policy would have
been deposited in the Custodial  Account.  In connection  with its activities as
administrator  and servicer of the Mortgage Loans, the Master Servicer agrees to
present,  on behalf of itself,  the Trustee and the  Certificateholders,  claims
under any such blanket policy.

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<PAGE>

(b) The Master Servicer shall obtain and maintain at its own expense and keep in
full force and effect  throughout the term of this Agreement a blanket  fidelity
bond and an errors and omissions insurance policy covering the Master Servicer's
officers and employees and other persons acting on behalf of the Master Servicer
in connection with its activities  under this Agreement.  The amount of coverage
shall be at least equal to the coverage  that would be required by Fannie Mae or
Freddie Mac,  whichever is greater,  with respect to the Master  Servicer if the
Master Servicer were servicing and  administering  the Mortgage Loans for Fannie
Mae or Freddie  Mac.  In the event that any such bond or policy  ceases to be in
effect, the Master Servicer shall obtain a comparable replacement bond or policy
from an issuer or insurer, as the case may be, meeting the requirements, if any,
of the  Program  Guide and  acceptable  to the  Company.  Coverage of the Master
Servicer under a policy or bond obtained by an Affiliate of the Master  Servicer
and  providing the coverage  required by this Section  3.12(b) shall satisfy the
requirements of this Section 3.12(b).

Section 3.13.  Enforcement of Due-on-Sale Clauses; Assumption and
                      Modification Agreements; Certain Assignments.
                      ---------------------------------------------

(a) When any  Mortgaged  Property  is  conveyed  by the  Mortgagor,  the  Master
Servicer or  Subservicer,  to the extent it has  knowledge  of such  conveyance,
shall enforce any due-on-sale clause contained in any Mortgage Note or Mortgage,
to the extent permitted under applicable law and governmental  regulations,  but
only to the extent that such enforcement will not adversely affect or jeopardize
coverage under any Required Insurance Policy. Notwithstanding the foregoing:

(i)     the  Master  Servicer  shall not be deemed to be in  default  under this
        Section 3.13(a) by reason of any transfer or assumption which the Master
        Servicer is restricted by law from preventing; and

(ii)    if the Master Servicer  determines that it is reasonably likely that any
        Mortgagor will bring,  or if any Mortgagor  does bring,  legal action to
        declare invalid or otherwise avoid  enforcement of a due-on-sale  clause
        contained in any Mortgage Note or Mortgage,  the Master  Servicer  shall
        not be  required to enforce the  due-on-sale  clause or to contest  such
        action.

(b) Subject to the Master  Servicer's duty to enforce any due-on-sale  clause to
the  extent  set  forth in  Section  3.13(a),  in any case in which a  Mortgaged
Property  is to be conveyed  to a Person by a  Mortgagor,  and such Person is to
enter into an assumption or modification agreement or supplement to the Mortgage
Note  or  Mortgage  which  requires  the  signature  of  the  Trustee,  or if an
instrument of release signed by the Trustee is required  releasing the Mortgagor
from liability on the Mortgage Loan, the Master Servicer is authorized,  subject
to the requirements of the sentence next following,  to execute and deliver,  on
behalf of the  Trustee,  the  assumption  agreement  with the Person to whom the
Mortgaged  Property  is  to be  conveyed  and  such  modification  agreement  or
supplement  to the  Mortgage  Note  or  Mortgage  or  other  instruments  as are
reasonable  or necessary to carry out the terms of the Mortgage Note or Mortgage
or otherwise to comply with any  applicable  laws  regarding  assumptions or the
transfer of the Mortgaged Property to such Person;  provided,  however,  none of
such terms and requirements  shall either (i) both (A) constitute a "significant
modification"  effecting an exchange or  reissuance  of such Mortgage Loan under
the REMIC  Provisions  and (B) cause any portion of any REMIC  formed  under the
Series  Supplement  to fail to qualify as a REMIC  under the Code or (subject to
Section  10.01(f)),   result  in  the  imposition  of  any  tax  on  "prohibited
transactions" or (ii) constitute  "contributions"  after the start-up date under
the REMIC  Provisions.  The Master  Servicer  shall  execute  and  deliver  such
documents only if it reasonably  determines  that (i) its execution and delivery
thereof will not conflict  with or violate any terms of this  Agreement or cause

                                       55
<PAGE>

the unpaid  balance and interest on the  Mortgage  Loan to be  uncollectible  in
whole or in part,  (ii) any  required  consents of insurers  under any  Required
Insurance Policies have been obtained and (iii) subsequent to the closing of the
transaction  involving  the  assumption  or transfer (A) the Mortgage  Loan will
continue  to be secured by a first  mortgage  lien  pursuant to the terms of the
Mortgage,  (B) such transaction will not adversely affect the coverage under any
Required Insurance Policies,  (C) the Mortgage Loan will fully amortize over the
remaining term thereof, (D) no material term of the Mortgage Loan (including the
interest  rate on the  Mortgage  Loan) will be altered  nor will the term of the
Mortgage  Loan be  changed  and (E) if the  seller/transferor  of the  Mortgaged
Property is to be released  from  liability on the Mortgage  Loan,  such release
will  not  (based  on  the  Master   Servicer's  or  Subservicer's   good  faith
determination)  adversely affect the  collectability  of the Mortgage Loan. Upon
receipt of appropriate  instructions from the Master Servicer in accordance with
the  foregoing,  the Trustee shall execute any  necessary  instruments  for such
assumption  or  substitution  of  liability as directed in writing by the Master
Servicer.  Upon the closing of the transactions  contemplated by such documents,
the Master  Servicer shall cause the originals or true and correct copies of the
assumption agreement, the release (if any), or the modification or supplement to
the Mortgage  Note or Mortgage to be  delivered to the Trustee or the  Custodian
and deposited  with the Mortgage File for such Mortgage  Loan. Any fee collected
by the  Master  Servicer  or  such  related  Subservicer  for  entering  into an
assumption or substitution of liability agreement will be retained by the Master
Servicer or such Subservicer as additional servicing compensation.

(c) The Master Servicer or the related Subservicer, as the case may be, shall be
entitled  to approve a request  from a  Mortgagor  for a partial  release of the
related  Mortgaged  Property,  the  granting of an easement  thereon in favor of
another Person,  any alteration or demolition of the related Mortgaged  Property
(or,  with respect to a Cooperative  Loan,  the related  Cooperative  Apartment)
without  any  right  of  reimbursement  or  other  similar  matters  if  it  has
determined, exercising its good faith business judgment in the same manner as it
would if it were the owner of the related  Mortgage Loan, that the security for,
and the timely  and full  collectability  of,  such  Mortgage  Loan would not be
adversely  affected  thereby and that any portion of any REMIC  formed under the
Series  Supplement  would not fail to  continue  to qualify as a REMIC under the
Code as a result  thereof  and  (subject  to  Section  10.01(f))  that no tax on
"prohibited  transactions"  or  "contributions"  after the  startup day would be
imposed on any such REMIC as a result  thereof.  Any fee collected by the Master
Servicer  or the  related  Subservicer  for  processing  such a request  will be
retained by the Master  Servicer or such  Subservicer  as  additional  servicing
compensation.

(d) Subject to any other applicable terms and conditions of this Agreement,  the
Trustee and Master  Servicer  shall be entitled to approve an assignment in lieu
of  satisfaction  with respect to any Mortgage  Loan,  provided the obligee with
respect to such Mortgage Loan  following such proposed  assignment  provides the
Trustee and Master  Servicer  with a "Lender  Certification  for  Assignment  of
Mortgage  Loan" in the form attached  hereto as Exhibit M, in form and substance
satisfactory to the Trustee and Master  Servicer,  providing the following:  (i)
that the substance of the assignment is, and is intended to be, a refinancing of

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<PAGE>

such  Mortgage;  (ii) that the Mortgage Loan  following the proposed  assignment
will have a rate of  interest at least 0.25  percent  below or above the rate of
interest on such Mortgage Loan prior to such proposed assignment; and (iii) that
such  assignment  is at the request of the borrower  under the related  Mortgage
Loan. Upon approval of an assignment in lieu of satisfaction with respect to any
Mortgage Loan, the Master  Servicer shall receive cash in an amount equal to the
unpaid  principal  balance of and accrued interest on such Mortgage Loan and the
Master  Servicer shall treat such amount as a Principal  Prepayment in Full with
respect to such Mortgage Loan for all purposes hereof.

Section 3.14.  Realization Upon Defaulted Mortgage Loans.
               -----------------------------------------

(a) The Master  Servicer shall  foreclose upon or otherwise  comparably  convert
(which may include an REO Acquisition) the ownership of properties securing such
of the  Mortgage  Loans as come into and  continue in default and as to which no
satisfactory  arrangements  can be made for  collection of  delinquent  payments
pursuant  to  Section  3.07.  In  connection  with  such  foreclosure  or  other
conversion, the Master Servicer shall, consistent with Section 3.11, follow such
practices and  procedures as it shall deem  necessary or advisable,  as shall be
normal and usual in its general  mortgage  servicing  activities and as shall be
required or permitted by the Program  Guide;  provided that the Master  Servicer
shall not be liable in any respect hereunder if the Master Servicer is acting in
connection  with any such  foreclosure  or other  conversion in a manner that is
consistent with the provisions of this Agreement. The Master Servicer,  however,
shall not be  required  to  expend  its own  funds or incur  other  reimbursable
charges in connection with any foreclosure,  or attempted  foreclosure  which is
not  completed,  or towards  the  restoration  of any  property  unless it shall
determine  (i) that  such  restoration  and/or  foreclosure  will  increase  the
proceeds of liquidation of the Mortgage Loan to Holders of  Certificates  of one
or more Classes after  reimbursement  to itself for such expenses or charges and
(ii) that such expenses or charges will be recoverable to it through Liquidation
Proceeds,  Insurance Proceeds,  or REO Proceeds  (respecting which it shall have
priority for purposes of  withdrawals  from the  Custodial  Account  pursuant to
Section 3.10, whether or not such expenses and charges are actually  recoverable
from related Liquidation Proceeds,  Insurance Proceeds or REO Proceeds).  In the
event of such a determination  by the Master  Servicer  pursuant to this Section
3.14(a),  the Master Servicer shall be entitled to reimbursement of such amounts
pursuant to Section 3.10.

               In addition to the foregoing,  the Master  Servicer shall use its
best  reasonable  efforts to realize upon any Additional  Collateral for such of
the Additional  Collateral  Loans as come into and continue in default and as to
which no  satisfactory  arrangements  can be made for  collection  of delinquent
payments pursuant to Section 3.07;  provided that the Master Servicer shall not,
on behalf of the Trustee,  obtain title to any such  Additional  Collateral as a
result of or in lieu of the  disposition  thereof  or  otherwise;  and  provided
further  that (i) the Master  Servicer  shall not proceed  with  respect to such
Additional  Collateral  in any manner  that would  impair the ability to recover
against the  related  Mortgaged  Property,  and (ii) the Master  Servicer  shall
proceed with any REO Acquisition in a manner that preserves the ability to apply
the  proceeds  of such  Additional  Collateral  against  amounts  owed under the
defaulted  Mortgage Loan. Any proceeds realized from such Additional  Collateral
(other than amounts to be released to the Mortgagor or the related  guarantor in

                                       57
<PAGE>

accordance  with  procedures  that the Master Servicer would follow in servicing
loans  held for its own  account,  subject  to the terms and  conditions  of the
related  Mortgage  and  Mortgage  Note and to the  terms and  conditions  of any
security agreement,  guarantee agreement,  mortgage or other agreement governing
the  disposition  of the  proceeds  of  such  Additional  Collateral)  shall  be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10.  Any other  payment  received  by the Master  Servicer  in respect of such
Additional  Collateral  shall be deposited in the Custodial  Account  subject to
withdrawal pursuant to Section 3.10.

               For so long as the Master  Servicer is the Master  Servicer under
the Credit  Support  Pledge  Agreement,  the Master  Servicer  shall perform its
obligations  under the Credit Support Pledge  Agreement in accordance  with such
Agreement   and  in  a   manner   that  is  in  the   best   interests   of  the
Certificateholders.  Further,  the Master Servicer shall use its best reasonable
efforts to realize upon any Pledged  Assets for such of the Pledged  Asset Loans
as  come  into  and  continue  in  default  and  as  to  which  no  satisfactory
arrangements  can be made for  collection  of  delinquent  payments  pursuant to
Section  3.07;  provided  that the Master  Servicer  shall not, on behalf of the
Trustee,  obtain title to any such  Pledged  Assets as a result of or in lieu of
the disposition  thereof or otherwise;  and provided further that (i) the Master
Servicer  shall not proceed with  respect to such  Pledged  Assets in any manner
that would impair the ability to recover against the related Mortgaged Property,
and (ii) the Master  Servicer shall proceed with any REO Acquisition in a manner
that  preserves the ability to apply the proceeds of such Pledged Assets against
amounts owed under the defaulted  Mortgage Loan. Any proceeds realized from such
Pledged  Assets  (other  than  amounts to be released  to the  Mortgagor  or the
related  guarantor in accordance  with procedures that the Master Servicer would
follow in  servicing  loans held for its own  account,  subject to the terms and
conditions  of the  related  Mortgage  and  Mortgage  Note and to the  terms and
conditions of any security  agreement,  guarantee  agreement,  mortgage or other
agreement  governing  the  disposition  of the proceeds of such Pledged  Assets)
shall be deposited in the Custodial Account,  subject to withdrawal  pursuant to
Section 3.10.  Any other payment  received by the Master  Servicer in respect of
such  Pledged  Assets shall be deposited  in the  Custodial  Account  subject to
withdrawal pursuant to Section 3.10.

               Concurrently  with the foregoing,  the Master Servicer may pursue
any  remedies  that  may  be  available  in  connection   with  a  breach  of  a
representation and warranty with respect to any such Mortgage Loan in accordance
with Sections  2.03 and 2.04.  However,  the Master  Servicer is not required to
continue to pursue both  foreclosure  (or similar  remedies) with respect to the
Mortgage Loans and remedies in connection with a breach of a representation  and
warranty if the Master Servicer determines in its reasonable discretion that one
such  remedy is more likely to result in a greater  recovery as to the  Mortgage
Loan. Upon the occurrence of a Cash  Liquidation or REO  Disposition,  following
the deposit in the  Custodial  Account of all  Insurance  Proceeds,  Liquidation
Proceeds and other  payments and  recoveries  referred to in the  definition  of
"Cash  Liquidation"  or "REO  Disposition,"  as applicable,  upon receipt by the
Trustee of written  notification of such deposit signed by a Servicing  Officer,
the Trustee or any  Custodian,  as the case may be, shall  release to the Master
Servicer the related  Mortgage  File and the Trustee  shall  execute and deliver
such instruments of transfer or assignment  prepared by the Master Servicer,  in
each case without recourse, as shall be necessary to vest in the Master Servicer
or its designee,  as the case may be, the related  Mortgage Loan, and thereafter
such  Mortgage  Loan shall not be part of the Trust  Fund.  Notwithstanding  the
foregoing or any other  provision of this  Agreement,  in the Master  Servicer's
sole discretion  with respect to any defaulted  Mortgage Loan or REO Property as

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<PAGE>

to either of the following provisions, (i) a Cash Liquidation or REO Disposition
may be deemed to have  occurred if  substantially  all  amounts  expected by the
Master Servicer to be received in connection with the related defaulted Mortgage
Loan or REO Property have been  received,  and (ii) for purposes of  determining
the amount of any Liquidation Proceeds,  Insurance Proceeds, REO Proceeds or any
other  unscheduled  collections  or the amount of any Realized  Loss, the Master
Servicer may take into account minimal amounts of additional  receipts  expected
to be received or any estimated  additional  liquidation expenses expected to be
incurred in connection with the related defaulted Mortgage Loan or REO Property.

(b) If title to any  Mortgaged  Property is acquired by the Trust Fund as an REO
Property  by  foreclosure  or by  deed  in  lieu  of  foreclosure,  the  deed or
certificate  of sale shall be issued to the  Trustee or to its nominee on behalf
of  Certificateholders.  Notwithstanding  any  such  acquisition  of  title  and
cancellation  of the related  Mortgage Loan,  such REO Property shall (except as
otherwise expressly provided herein) be considered to be an Outstanding Mortgage
Loan held in the Trust Fund until such time as the REO  Property  shall be sold.
Consistent with the foregoing for purposes of all calculations hereunder so long
as such REO Property shall be considered to be an  Outstanding  Mortgage Loan it
shall be assumed that,  notwithstanding  that the indebtedness  evidenced by the
related  Mortgage  Note shall have been  discharged,  such Mortgage Note and the
related  amortization  schedule in effect at the time of any such acquisition of
title  (after  giving  effect  to  any  previous  Curtailments  and  before  any
adjustment  thereto by reason of any  bankruptcy  or similar  proceeding  or any
moratorium or similar waiver or grace period) remain in effect.

(c) If the Trust Fund  acquires  any REO  Property as  aforesaid or otherwise in
connection  with a default or imminent  default on a Mortgage  Loan,  the Master
Servicer on behalf of the Trust Fund shall  dispose of such REO Property as soon
as   practicable,   giving   due   consideration   to  the   interests   of  the
Certificateholders,  but in all cases  within three full years after the taxable
year of its acquisition by the Trust Fund for purposes of Section  860G(a)(8) of
the Code (or such shorter  period as may be  necessary  under  applicable  state
(including  any state in which such  property  is located)  law to maintain  the
status of any portion of any REMIC formed under the Series Supplement as a REMIC
under  applicable state law and avoid taxes resulting from such property failing
to be foreclosure property under applicable state law) or, at the expense of the
Trust Fund, request, more than 60 days before the day on which such grace period
would  otherwise  expire,  an extension  of such grace period  unless the Master
Servicer  (subject  to Section  10.01(f))  obtains for the Trustee an Opinion of
Counsel,  addressed to the Trustee and the Master  Servicer,  to the effect that
the  holding by the Trust Fund of such REO  Property  subsequent  to such period
will not  result in the  imposition  of taxes on  "prohibited  transactions"  as
defined in Section  860F of the Code or cause any REMIC  formed under the Series
Supplement to fail to qualify as a REMIC (for federal (or any  applicable  State
or  local)  income  tax  purposes)  at  any  time  that  any   Certificates  are
outstanding, in which case the Trust Fund may continue to hold such REO Property
(subject to any  conditions  contained in such  Opinion of Counsel).  The Master
Servicer shall be entitled to be reimbursed  from the Custodial  Account for any
costs  incurred in  obtaining  such  Opinion of Counsel,  as provided in Section
3.10.  Notwithstanding  any other provision of this  Agreement,  no REO Property

                                       59
<PAGE>

acquired by the Trust Fund shall be rented (or allowed to continue to be rented)
or otherwise used by or on behalf of the Trust Fund in such a manner or pursuant
to any terms  that  would (i) cause  such REO  Property  to fail to  qualify  as
"foreclosure  property" within the meaning of Section  860G(a)(8) of the Code or
(ii) subject the Trust Fund to the imposition of any federal income taxes on the
income earned from such REO  Property,  including any taxes imposed by reason of
Section 860G(c) of the Code,  unless the Master Servicer has agreed to indemnify
and hold  harmless  the Trust Fund with  respect to the  imposition  of any such
taxes.

(d) The  proceeds  of any Cash  Liquidation,  REO  Disposition  or  purchase  or
repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well
as any recovery resulting from a collection of Liquidation  Proceeds,  Insurance
Proceeds or REO Proceeds,  will be applied in the  following  order of priority:
first, to reimburse the Master Servicer or the related Subservicer in accordance
with Section  3.10(a)(ii);  second, to the  Certificateholders  to the extent of
accrued and unpaid  interest on the Mortgage  Loan,  and any related REO Imputed
Interest,  at the Net Mortgage  Rate (or the  Modified Net Mortgage  Rate in the
case of a Modified Mortgage Loan) to the Due Date prior to the Distribution Date
on which such amounts are to be distributed; third, to the Certificateholders as
a recovery of principal on the Mortgage Loan (or REO Property);  fourth,  to all
Servicing Fees and Subservicing  Fees payable therefrom (and the Master Servicer
and the Subservicer  shall have no claims for any  deficiencies  with respect to
such fees which result from the foregoing allocation); and fifth, to Foreclosure
Profits.

(e) In the event of a default on a Mortgage  Loan one or more of whose  obligors
is not a United States Person, in connection with any foreclosure or acquisition
of a deed in lieu of foreclosure  (together,  "foreclosure")  in respect of such
Mortgage Loan, the Master Servicer will cause  compliance with the provisions of
Treasury Regulation Section  1.1445-2(d)(3) (or any successor thereto) necessary
to assure that no withholding tax obligation arises with respect to the proceeds
of such  foreclosure  except  to the  extent,  if  any,  that  proceeds  of such
foreclosure are required to be remitted to the obligors on such Mortgage Loan.

Section 3.15.  Trustee to Cooperate; Release of Mortgage Files.
               -----------------------------------------------

(a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the
receipt by the Master  Servicer of a  notification  that payment in full will be
escrowed in a manner  customary  for such  purposes,  the Master  Servicer  will
immediately  notify the Trustee (if it holds the related  Mortgage  File) or the
Custodian by a certification of a Servicing Officer (which  certification  shall
include a statement to the effect that all amounts received or to be received in
connection with such payment which are required to be deposited in the Custodial
Account   pursuant  to  Section  3.07  have  been  or  will  be  so  deposited),
substantially  in one of the forms attached hereto as Exhibit F, or, in the case
of the Custodian,  an electronic  request in a form acceptable to the Custodian,
requesting  delivery to it of the Mortgage  File.  Within two  Business  Days of
receipt of such certification and request,  the Trustee shall release,  or cause
the Custodian to release, the related Mortgage File to the Master Servicer.  The
Master  Servicer  is  authorized  to execute and  deliver to the  Mortgagor  the
request for  reconveyance,  deed of  reconveyance  or release or satisfaction of
mortgage or such  instrument  releasing the lien of the Mortgage,  together with
the Mortgage Note with, as appropriate, written evidence of cancellation thereon
and to cause the removal  from the  registration  on the MERS(R)  System of such

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Mortgage  and to  execute  and  deliver,  on  behalf  of  the  Trustee  and  the
Certificateholders  or any of them, any and all  instruments of  satisfaction or
cancellation or of partial or full release.  No expenses  incurred in connection
with any instrument of satisfaction or deed of reconveyance  shall be chargeable
to the Custodial Account or the Certificate Account.

(b) From time to time as is appropriate  for the servicing or foreclosure of any
Mortgage Loan, the Master  Servicer shall deliver to the Custodian,  with a copy
to the Trustee, a certificate of a Servicing Officer substantially in one of the
forms  attached  as  Exhibit F  hereto,  or,  in the case of the  Custodian,  an
electronic  request  in a form  acceptable  to the  Custodian,  requesting  that
possession  of all, or any document  constituting  part of, the Mortgage File be
released to the Master Servicer and certifying as to the reason for such release
and that such release will not  invalidate  any insurance  coverage  provided in
respect of the Mortgage Loan under any Required  Insurance Policy.  Upon receipt
of the foregoing,  the Trustee shall deliver, or cause the Custodian to deliver,
the Mortgage  File or any document  therein to the Master  Servicer.  The Master
Servicer  shall cause each Mortgage File or any document  therein so released to
be returned to the Trustee,  or the  Custodian as agent for the Trustee when the
need therefor by the Master  Servicer no longer exists,  unless (i) the Mortgage
Loan has been liquidated and the Liquidation  Proceeds  relating to the Mortgage
Loan have been  deposited in the Custodial  Account or (ii) the Mortgage File or
such  document  has been  delivered  directly  or  through a  Subservicer  to an
attorney,  or to a public  trustee or other public  official as required by law,
for purposes of initiating or pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially or  non-judicially,  and
the Master  Servicer  has  delivered  directly or through a  Subservicer  to the
Trustee a  certificate  of a  Servicing  Officer  certifying  as to the name and
address of the Person to which such Mortgage File or such document was delivered
and the purpose or purposes of such delivery. In the event of the liquidation of
a Mortgage  Loan, the Trustee shall deliver the Request for Release with respect
thereto to the Master Servicer upon deposit of the related Liquidation  Proceeds
in the Custodial Account.

(c) The Trustee or the Master Servicer on the Trustee's behalf shall execute and
deliver to the Master Servicer, if necessary, any court pleadings,  requests for
trustee's sale or other documents necessary to the foreclosure or trustee's sale
in respect of a  Mortgaged  Property  or to any legal  action  brought to obtain
judgment  against any  Mortgagor on the Mortgage Note or Mortgage or to obtain a
deficiency judgment,  or to enforce any other remedies or rights provided by the
Mortgage Note or Mortgage or otherwise  available at law or in equity.  Together
with such documents or pleadings (if signed by the Trustee), the Master Servicer
shall deliver to the Trustee a  certificate  of a Servicing  Officer  requesting
that such pleadings or documents be executed by the Trustee and certifying as to
the reason such  documents or pleadings  are required and that the execution and
delivery thereof by the Trustee will not invalidate any insurance coverage under
any Required  Insurance Policy or invalidate or otherwise affect the lien of the
Mortgage,  except  for the  termination  of such a lien upon  completion  of the
foreclosure or trustee's sale.

Section 3.16.  Servicing and Other Compensation; Compensating Interest.
               ---------------------------------------------------------

(a) The Master Servicer, as compensation for its activities hereunder,  shall be
entitled  to receive  on each  Distribution  Date the  amounts  provided  for by
clauses  (iii),  (iv),  (v) and (vi) of Section  3.10(a),  subject to clause (e)
below. The amount of servicing  compensation  provided for in such clauses shall
be accounted for on a Mortgage  Loan-by-Mortgage  Loan basis.  In the event that

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<PAGE>

Liquidation  Proceeds,  Insurance  Proceeds  and REO  Proceeds  (net of  amounts
reimbursable  therefrom  pursuant to Section  3.10(a)(ii))  in respect of a Cash
Liquidation  or REO  Disposition  exceed  the unpaid  principal  balance of such
Mortgage  Loan plus  unpaid  interest  accrued  thereon  (including  REO Imputed
Interest)  at a per annum rate equal to the  related Net  Mortgage  Rate (or the
Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan), the Master
Servicer  shall be entitled to retain  therefrom and to pay to itself and/or the
related   Subservicer,   any  Foreclosure  Profits  and  any  Servicing  Fee  or
Subservicing Fee considered to be accrued but unpaid.

(b)  Additional  servicing  compensation  in the  form  of  prepayment  charges,
assumption  fees,  late  payment  charges,  investment  income on amounts in the
Custodial  Account or the Certificate  Account or otherwise shall be retained by
the Master Servicer or the Subservicer to the extent provided herein, subject to
clause (e) below.

(c) The Master  Servicer  shall be  required  to pay,  or cause to be paid,  all
expenses  incurred by it in connection with its servicing  activities  hereunder
(including  payment of premiums for the Primary Insurance  Policies,  if any, to
the extent such premiums are not required to be paid by the related  Mortgagors,
and the fees and  expenses of the Trustee  and any  Custodian)  and shall not be
entitled to reimbursement  therefor except as specifically  provided in Sections
3.10 and 3.14.

(d) The Master  Servicer's  right to receive  servicing  compensation may not be
transferred in whole or in part except in connection with the transfer of all of
its   responsibilities  and  obligations  of  the  Master  Servicer  under  this
Agreement.

(e)  Notwithstanding  any  other  provision  herein,  the  amount  of  servicing
compensation  that the Master  Servicer  shall be  entitled  to receive  for its
activities  hereunder for the period ending on each  Distribution  Date shall be
reduced  (but not below zero) by an amount  equal to  Compensating  Interest (if
any) for such  Distribution  Date.  Such reduction  shall be applied during such
period as follows:  first, to any Servicing Fee or Subservicing Fee to which the
Master Servicer is entitled pursuant to Section 3.10(a)(iii), and second, to any
income or gain  realized  from any  investment  of funds  held in the  Custodial
Account or the  Certificate  Account to which the Master  Servicer  is  entitled
pursuant to Sections 3.07(c) or 4.01(b), respectively. In making such reduction,
the Master  Servicer (i) will not withdraw from the  Custodial  Account any such
amount  representing  all or a  portion  of the  Servicing  Fee to  which  it is
entitled pursuant to Section  3.10(a)(iii),  and (ii) will not withdraw from the
Custodial Account or Certificate Account any such amount to which it is entitled
pursuant to Section 3.07(c) or 4.01(b).

Section 3.17.  Reports to the Trustee and the Company.
               --------------------------------------

        Not later than fifteen  days after each  Distribution  Date,  the Master
Servicer shall forward to the Trustee and the Company a statement,  certified by
a Servicing Officer, setting forth the status of the Custodial Account as of the
close of business on such  Distribution Date as it relates to the Mortgage Loans
and showing, for the period covered by such statement, the aggregate of deposits

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<PAGE>

in or  withdrawals  from the Custodial  Account in respect of the Mortgage Loans
for each  category of deposit  specified  in Section  3.07 and each  category of
withdrawal specified in Section 3.10.

Section 3.18.  Annual Statement as to Compliance.
               ---------------------------------

        The Master  Servicer  will deliver to the  Company,  the Trustee and any
Certificate Insurer on or before March 31 of each year, beginning with the first
March 31 that occurs at least six months  after the Cut-off  Date,  an Officers'
Certificate  stating,  as to each  signer  thereof,  that  (i) a  review  of the
activities of the Master Servicer during the preceding  calendar year related to
its servicing of mortgage loans and its performance  under pooling and servicing
agreements,  including  this  Agreement,  has been  made  under  such  officers'
supervision, (ii) to the best of such officers' knowledge, based on such review,
the Master  Servicer  has  complied in all  material  respects  with the minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage Bankers and has fulfilled all of its material  obligations  relating to
this Agreement in all material  respects  throughout such year, or, if there has
been material  noncompliance  with such servicing  standards or a default in the
fulfillment  in all material  respects of any such  obligation  relating to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status  thereof  and (iii) to the best of such  officers'  knowledge,
each  Subservicer  has  complied  in all  material  respects  with  the  minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage  Bankers and has  fulfilled all of its material  obligations  under its
Subservicing  Agreement in all material  respects  throughout  such year, or, if
there  has been  material  noncompliance  with  such  servicing  standards  or a
material  default  in the  fulfillment  of  such  obligations  relating  to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status thereof.

Section 3.19.  Annual Independent Public Accountants' Servicing Report.
               --------------------------------------------------------

        On or before  March 31 of each year,  beginning  with the first March 31
that occurs at least six months after the Cut-off Date,  the Master  Servicer at
its expense shall cause a firm of independent public accountants, which shall be
members of the American Institute of Certified Public Accountants,  to furnish a
report to the Company and the Trustee  stating its opinion that, on the basis of
an examination conducted by such firm substantially in accordance with standards
established  by the  American  Institute of Certified  Public  Accountants,  the
assertions  made pursuant to Section 3.18 regarding  compliance with the minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage  Bankers  during the  preceding  calendar year are fairly stated in all
material respects,  subject to such exceptions and other qualifications that, in
the opinion of such firm, such  accounting  standards  require it to report.  In
rendering  such  statement,  such firm may rely,  as to matters  relating to the
direct servicing of mortgage loans by Subservicers,  upon comparable  statements
for examinations  conducted by independent public  accountants  substantially in
accordance  with standards  established  by the American  Institute of Certified
Public Accountants  (rendered within one year of such statement) with respect to
such Subservicers.

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<PAGE>

Section 3.20.  Rights of the Company in Respect of the Master Servicer.
               --------------------------------------------------------

        The Master Servicer shall afford the Company,  upon  reasonable  notice,
during  normal  business  hours access to all records  maintained  by the Master
Servicer  in  respect  of its rights  and  obligations  hereunder  and access to
officers of the Master Servicer responsible for such obligations.  Upon request,
the Master  Servicer  shall  furnish the Company with its most recent  financial
statements and such other information as the Master Servicer possesses regarding
its business,  affairs,  property and  condition,  financial or  otherwise.  The
Master   Servicer  shall  also  cooperate  with  all  reasonable   requests  for
information  including,  but not limited to, notices, tapes and copies of files,
regarding  itself,  the Mortgage  Loans or the  Certificates  from any Person or
Persons identified by the Company or Residential  Funding.  The Company may, but
is not obligated to, enforce the  obligations of the Master  Servicer  hereunder
and may, but is not obligated to, perform,  or cause a designee to perform,  any
defaulted  obligation of the Master Servicer hereunder or exercise the rights of
the Master  Servicer  hereunder;  provided that the Master Servicer shall not be
relieved of any of its  obligations  hereunder by virtue of such  performance by
the Company or its designee.  The Company shall not have any  responsibility  or
liability  for any action or failure  to act by the Master  Servicer  and is not
obligated  to  supervise  the  performance  of the  Master  Servicer  under this
Agreement or otherwise.

Section 3.21.  Administration of Buydown Funds

(a) With respect to any Buydown  Mortgage  Loan, the  Subservicer  has deposited
Buydown Funds in an account that satisfies the  requirements  for a Subservicing
Account  (the  "Buydown   Account").   The  Master   Servicer  shall  cause  the
Subservicing  Agreement to require  that upon receipt from the  Mortgagor of the
amount due on a Due Date for each Buydown  Mortgage Loan, the  Subservicer  will
withdraw from the Buydown Account the  predetermined  amount that, when added to
the amount due on such date from the Mortgagor,  equals the full Monthly Payment
and  transmit  that  amount in  accordance  with the  terms of the  Subservicing
Agreement to the Master  Servicer  together with the related payment made by the
Mortgagor or advanced by the Subservicer.

(b) If the  Mortgagor  on a  Buydown  Mortgage  Loan  prepays  such  loan in its
entirety  during  the period  (the  "Buydown  Period")  when  Buydown  Funds are
required to be applied to such Buydown  Mortgage Loan, the Subservicer  shall be
required to  withdraw  from the  Buydown  Account  and remit any  Buydown  Funds
remaining  in the  Buydown  Account  in  accordance  with  the  related  buydown
agreement.  The amount of Buydown Funds which may be remitted in accordance with
the related  buydown  agreement may reduce the amount required to be paid by the
Mortgagor  to fully  prepay the related  Mortgage  Loan.  If the  Mortgagor on a
Buydown  Mortgage Loan defaults on such Mortgage Loan during the Buydown  Period
and the property  securing such Buydown Mortgage Loan is sold in the liquidation
thereof  (either by the Master Servicer or the insurer under any related Primary
Insurance  Policy),  the  Subservicer  shall be required  to  withdraw  from the
Buydown  Account the Buydown Funds for such Buydown  Mortgage Loan still held in
the Buydown Account and remit the same to the Master Servicer in accordance with
the terms of the Subservicing Agreement for deposit in the Custodial Account or,
if  instructed  by the Master  Servicer,  pay to the  insurer  under any related

                                      64
<PAGE>

Primary  Insurance  Policy if the  Mortgaged  Property  is  transferred  to such
insurer  and such  insurer  pays all of the loss  incurred  in  respect  of such
default.  Any amount so remitted  pursuant  to the  preceding  sentence  will be
deemed to reduce the amount owed on the Mortgage Loan.

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<PAGE>

                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

Section 4.01.  Certificate Account.
               -------------------

(a) The Master  Servicer on behalf of the Trustee shall establish and maintain a
Certificate  Account in which the Master Servicer shall cause to be deposited on
behalf of the Trustee on or before 2:00 P.M.  New York time on each  Certificate
Account  Deposit Date by wire transfer of immediately  available funds an amount
equal to the sum of (i) any Advance for the immediately succeeding  Distribution
Date,  (ii) any amount  required  to be  deposited  in the  Certificate  Account
pursuant to Section  3.12(a),  (iii) any amount  required to be deposited in the
Certificate Account pursuant to Section 3.16(e) or Section 4.07, (iv) any amount
required  to be  paid  pursuant  to  Section  9.01  and (v)  all  other  amounts
constituting the Available  Distribution  Amount for the immediately  succeeding
Distribution Date.

(b) The Trustee shall, upon written request from the Master Servicer,  invest or
cause the institution maintaining the Certificate Account to invest the funds in
the Certificate Account in Permitted  Investments  designated in the name of the
Trustee for the  benefit of the  Certificateholders,  which  shall  mature or be
payable  on  demand  not  later  than  the  Business  Day  next   preceding  the
Distribution  Date next following the date of such  investment  (except that (i)
any  investment  in the  institution  with  which  the  Certificate  Account  is
maintained may mature or be payable on demand on such Distribution Date and (ii)
any other  investment  may mature or be  payable on demand on such  Distribution
Date  if the  Trustee  shall  advance  funds  on such  Distribution  Date to the
Certificate   Account  in  the  amount  payable  on  such   investment  on  such
Distribution  Date,  pending  receipt  thereof to the extent  necessary  to make
distributions on the Certificates) and shall not be sold or disposed of prior to
maturity. Subject to Section 3.16(e), all income and gain realized from any such
investment  shall be for the benefit of the Master Servicer and shall be subject
to its withdrawal or order from time to time. The amount of any losses  incurred
in respect of any such investments shall be deposited in the Certificate Account
by the Master Servicer out of its own funds  immediately as realized without any
right of reimbursement.

Section 4.02.  Distributions.
               -------------

                      As provided in Section 4.02 of the Series Supplement.

Section 4.03.  Statements to Certificateholders.
               --------------------------------

     (a) Concurrently with each distribution  charged to the Certificate Account
and with respect to each  Distribution Date the Master Servicer shall forward to
the Trustee and the Trustee  shall either  forward by mail or make  available to
each Holder and the Company,  via the Trustee's  internet  website,  a statement
(and at its option,  any additional  files containing the same information in an
alternative  format) setting forth information as to each Class of Certificates,
the  Mortgage  Pool and, if the  Mortgage  Pool is comprised of two or more Loan
Groups,  each Loan Group, to the extent applicable.  This statement will include
the information set forth in an exhibit to the Series  Supplement.  Such exhibit
shall set forth the Trustee's  internet  website  address  together with a phone
number.  The Trustee  shall mail to each  Holder  that  requests a paper copy by
telephone  a paper  copy via first  class  mail.  The  Trustee  may  modify  the
distribution  procedures set forth in this Section provided that such procedures
are no less  convenient  for the  Certificateholders.  The Trustee shall provide

                                       66
<PAGE>

prior   notification   to   the   Company,   the   Master   Servicer   and   the
Certificateholders  regarding  any such  modification.  In addition,  the Master
Servicer shall provide to any manager of a trust fund  consisting of some or all
of the Certificates,  upon reasonable request, such additional information as is
reasonably  obtainable by the Master  Servicer at no  additional  expense to the
Master Servicer.

     (b) Within a reasonable period of time after the end of each calendar year,
the Master Servicer shall prepare,  or cause to be prepared,  and shall forward,
or cause to be  forwarded,  to each Person who at any time  during the  calendar
year was the  Holder  of a  Certificate,  other  than a Class R  Certificate,  a
statement  containing the  information  set forth in clauses (i) and (ii) of the
exhibit to the Series Supplement  referred to in subsection (a) above aggregated
for such calendar year or applicable  portion  thereof  during which such Person
was a Certificateholder.  Such obligation of the Master Servicer shall be deemed
to have been satisfied to the extent that substantially  comparable  information
shall be provided by the Master  Servicer  pursuant to any  requirements  of the
Code.

     (c) Within a reasonable period of time after the end of each calendar year,
the Master Servicer shall prepare,  or cause to be prepared,  and shall forward,
or cause to be  forwarded,  to each Person who at any time  during the  calendar
year  was the  Holder  of a Class R  Certificate,  a  statement  containing  the
applicable  distribution  information  provided  pursuant to this  Section  4.03
aggregated  for such calendar year or applicable  portion  thereof  during which
such  Person was the Holder of a Class R  Certificate.  Such  obligation  of the
Master  Servicer  shall be deemed  to have been  satisfied  to the  extent  that
substantially  comparable  information  shall be provided by the Master Servicer
pursuant to any requirements of the Code.

     (d) Upon the written request of any Certificateholder, the Master Servicer,
as   soon   as   reasonably   practicable,    shall   provide   the   requesting
Certificateholder with such information as is necessary and appropriate,  in the
Master  Servicer's  sole  discretion,  for  purposes  of  satisfying  applicable
reporting requirements under Rule 144A.

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

(a)  Prior to the  close of  business  on the  Determination  Date,  the  Master
Servicer  shall  furnish a written  statement  to the Trustee,  any  Certificate
Insurer,  any Paying Agent and the Company (the information in such statement to
be made  available  to  Certificateholders  by the Master  Servicer  on request)
setting  forth  (i) the  Available  Distribution  Amount  and (ii)  the  amounts
required to be  withdrawn  from the  Custodial  Account and  deposited  into the
Certificate  Account on the immediately  succeeding  Certificate Account Deposit
Date  pursuant to clause  (iii) of Section  4.01(a).  The  determination  by the
Master  Servicer of such  amounts  shall,  in the absence of obvious  error,  be
presumptively  deemed to be correct for all purposes  hereunder  and the Trustee
shall be protected in relying  upon the same  without any  independent  check or
verification.

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<PAGE>

(b) On or before 2:00 P.M.  New York time on each  Certificate  Account  Deposit
Date, the Master  Servicer shall either (i) deposit in the  Certificate  Account
from its own funds, or funds received therefor from the Subservicers,  an amount
equal to the  Advances  to be made by the  Master  Servicer  in  respect  of the
related  Distribution  Date,  which shall be in an aggregate amount equal to the
aggregate  amount of  Monthly  Payments  (with  each  interest  portion  thereof
adjusted to the Net  Mortgage  Rate),  less the amount of any related  Servicing
Modifications,  Debt Service  Reductions or reductions in the amount of interest
collectable  from the Mortgagor  pursuant to the  Soldiers'  and Sailors'  Civil
Relief Act of 1940, as amended,  or similar  legislation or regulations  then in
effect,  on the  Outstanding  Mortgage  Loans as of the related Due Date,  which
Monthly  Payments were  delinquent as of the close of business as of the related
Determination  Date;  provided  that no  Advance  shall be made if it would be a
Nonrecoverable  Advance,  (ii) withdraw from amounts on deposit in the Custodial
Account  and deposit in the  Certificate  Account all or a portion of the Amount
Held for Future  Distribution  in discharge of any such  Advance,  or (iii) make
advances in the form of any  combination of (i) and (ii)  aggregating the amount
of such Advance.  Any portion of the Amount Held for Future Distribution so used
shall be replaced by the Master Servicer by deposit in the  Certificate  Account
on or before 11:00 A.M. New York time on any future Certificate  Account Deposit
Date to the  extent  that  funds  attributable  to the  Mortgage  Loans that are
available in the  Custodial  Account for deposit in the  Certificate  Account on
such   Certificate   Account  Deposit  Date  shall  be  less  than  payments  to
Certificateholders  required to be made on the following  Distribution Date. The
Master  Servicer  shall be entitled to use any Advance made by a Subservicer  as
described in Section 3.07(b) that has been deposited in the Custodial Account on
or before  such  Distribution  Date as part of the  Advance  made by the  Master
Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant
to Section 4.02(a) in respect of outstanding  Advances on any Distribution  Date
shall be allocated to specific  Monthly Payments due but delinquent for previous
Due Periods,  which  allocation  shall be made,  to the extent  practicable,  to
Monthly Payments which have been delinquent for the longest period of time. Such
allocations  shall be  conclusive  for purposes of  reimbursement  to the Master
Servicer from recoveries on related Mortgage Loans pursuant to Section 3.10.

        The   determination   by  the  Master   Servicer  that  it  has  made  a
Nonrecoverable Advance or that any proposed Advance, if made, would constitute a
Nonrecoverable  Advance,  shall be evidenced by an Officers'  Certificate of the
Master Servicer delivered to the Company and the Trustee.

        If the Master  Servicer  determines as of the Business Day preceding any
Certificate  Account  Deposit  Date  that it will be unable  to  deposit  in the
Certificate  Account an amount equal to the Advance  required to be made for the
immediately succeeding Distribution Date, it shall give notice to the Trustee of
its inability to advance (such notice may be given by telecopy),  not later than
3:00 P.M.,  New York time, on such Business Day,  specifying the portion of such
amount  that it will be unable to  deposit.  Not later than 3:00 P.M.,  New York
time, on the Certificate Account Deposit Date the Trustee shall, unless by 12:00
Noon, New York time, on such day the Trustee shall have been notified in writing
(by  telecopy)  that the Master  Servicer  shall  have  directly  or  indirectly
deposited in the  Certificate  Account such portion of the amount of the Advance
as to which  the  Master  Servicer  shall  have  given  notice  pursuant  to the
preceding  sentence,  pursuant to Section 7.01,  (a) terminate all of the rights
and  obligations of the Master  Servicer under this Agreement in accordance with

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Section 7.01 and (b) assume the rights and  obligations  of the Master  Servicer
hereunder,  including the  obligation to deposit in the  Certificate  Account an
amount equal to the Advance for the immediately succeeding Distribution Date.

        The Trustee shall deposit all funds it receives pursuant to this Section
4.04 into the Certificate Account.

Section 4.05.  Allocation of Realized Losses.
               -----------------------------

                             As   provided   in  Section   4.05  of  the  Series
Supplement.

Section 4.06.  Reports of Foreclosures and Abandonment of Mortgaged Property.
               --------------------------------------------------------------

        The Master Servicer or the Subservicers  shall file information  returns
with  respect  to the  receipt  of  mortgage  interests  received  in a trade or
business, the reports of foreclosures and abandonments of any Mortgaged Property
and the information returns relating to cancellation of indebtedness income with
respect to any Mortgaged  Property required by Sections 6050H,  6050J and 6050P,
respectively,  of the Code, and deliver to the Trustee an Officers'  Certificate
on or before  March 31 of each year  stating  that such reports have been filed.
Such reports  shall be in form and  substance  sufficient  to meet the reporting
requirements imposed by Sections 6050H, 6050J and 6050P of the Code.

Section 4.07.  Optional Purchase of Defaulted Mortgage Loans.
               ----------------------------------------------

        As to any  Mortgage  Loan which is  delinquent  in payment by 90 days or
more, the Master  Servicer may, at its option,  purchase such Mortgage Loan from
the Trustee at the Purchase Price  therefor.  If at any time the Master Servicer
makes a payment to the Certificate  Account  covering the amount of the Purchase
Price for such a Mortgage Loan, and the Master Servicer  provides to the Trustee
a  certification  signed by a Servicing  Officer stating that the amount of such
payment has been deposited in the  Certificate  Account,  then the Trustee shall
execute  the  assignment  of such  Mortgage  Loan at the  request  of the Master
Servicer without recourse to the Master Servicer, which shall succeed to all the
Trustee's  right,  title and  interest  in and to such  Mortgage  Loan,  and all
security and documents relative thereto.  Such assignment shall be an assignment
outright and not for  security.  The Master  Servicer  will  thereupon  own such
Mortgage, and all such security and documents, free of any further obligation to
the Trustee or the Certificateholders with respect thereto.

        If,  however,  the Master  Servicer  shall have  exercised  its right to
repurchase  a Mortgage  Loan  pursuant  to this  Section  4.07 upon the  written
request of and with funds provided by the Junior Certificateholder and thereupon
transferred  such  Mortgage  Loan to the  Junior  Certificateholder,  the Master
Servicer shall so notify the Trustee in writing.

Section 4.08.  Surety Bond.
               -----------

(a) If a Required  Surety  Payment is payable  pursuant  to the Surety Bond with
respect to any Additional  Collateral  Loan, the Master Servicer shall so notify
the Trustee as soon as reasonably  practicable  and the Trustee  shall  promptly
complete  the notice in the form of  Attachment  1 to the Surety  Bond and shall
promptly submit such notice to the Surety as a claim for a Required Surety.  The
Master  Servicer shall upon request assist the Trustee in completing such notice
and shall  provide  any  information  requested  by the  Trustee  in  connection
therewith.

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<PAGE>

(b) Upon receipt of a Required  Surety  Payment from the Surety on behalf of the
Holders of Certificates,  the Trustee shall deposit such Required Surety Payment
in the Certificate Account and shall distribute such Required Surety Payment, or
the proceeds thereof, in accordance with the provisions of Section 4.02.

(c) The  Trustee  shall (i)  receive  as  attorney-in-fact  of each  Holder of a
Certificate  any Required  Surety  Payment from the Surety and (ii) disburse the
same to the Holders of such Certificates as set forth in Section 4.02.

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                                   ARTICLE V

                                THE CERTIFICATES

Section 5.01.  The Certificates.
               ----------------

(a) The Senior, Class M, Class B and Class R Certificates shall be substantially
in the forms set forth in Exhibits A, B, C and D,  respectively,  and shall,  on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar  for  authentication  and delivery to or upon the order of the Company
upon receipt by the Trustee or one or more Custodians of the documents specified
in Section 2.01. The Certificates shall be issuable in the minimum denominations
designated in the Preliminary Statement to the Series Supplement.

        The Certificates  shall be executed by manual or facsimile  signature on
behalf of an authorized officer of the Trustee.  Certificates bearing the manual
or facsimile  signatures of individuals who were at any time the proper officers
of the Trustee shall bind the Trustee,  notwithstanding that such individuals or
any of them have ceased to hold such  offices  prior to the  authentication  and
delivery of such  Certificate  or did not hold such  offices at the date of such
Certificates.  No  Certificate  shall be  entitled  to any  benefit  under  this
Agreement, or be valid for any purpose, unless there appears on such Certificate
a certificate of  authentication  substantially  in the form provided for herein
executed by the Certificate Registrar by manual signature,  and such certificate
upon any Certificate shall be conclusive evidence,  and the only evidence,  that
such  Certificate  has been duly  authenticated  and  delivered  hereunder.  All
Certificates shall be dated the date of their authentication.

(b) Except as provided below, registration of Book-Entry Certificates may not be
transferred by the Trustee except to another Depository that agrees to hold such
Certificates  for the respective  Certificate  Owners with  Ownership  Interests
therein. The Holders of the Book-Entry  Certificates shall hold their respective
Ownership  Interests in and to each of such Certificates  through the book-entry
facilities  of the  Depository  and,  except  as  provided  below,  shall not be
entitled to Definitive Certificates in respect of such Ownership Interests.  All
transfers by Certificate Owners of their respective  Ownership  Interests in the
Book-Entry  Certificates  shall  be  made  in  accordance  with  the  procedures
established by the Depository  Participant or brokerage firm  representing  such
Certificate  Owner.  Each  Depository  Participant  shall transfer the Ownership
Interests  only  in  the  Book-Entry   Certificates  of  Certificate  Owners  it
represents or of brokerage  firms for which it acts as agent in accordance  with
the Depository's normal procedures.

        The  Trustee,  the Master  Servicer and the Company may for all purposes
(including  the making of payments due on the  respective  Classes of Book-Entry
Certificates)  deal with the Depository as the authorized  representative of the
Certificate  Owners  with  respect  to  the  respective  Classes  of  Book-Entry
Certificates  for the purposes of  exercising  the rights of  Certificateholders
hereunder.  The rights of  Certificate  Owners  with  respect to the  respective
Classes of Book-Entry  Certificates shall be limited to those established by law
and agreements between such Certificate  Owners and the Depository  Participants
and brokerage firms representing such Certificate Owners.  Multiple requests and

                                       71
<PAGE>

directions  from,  and  votes  of,  the  Depository  as  Holder  of any Class of
Book-Entry  Certificates  with  respect to any  particular  matter  shall not be
deemed  inconsistent  if they are made with  respect  to  different  Certificate
Owners.  The Trustee may establish a reasonable  record date in connection  with
solicitations  of consents from or voting by  Certificateholders  and shall give
notice to the Depository of such record date.

        If (i)(A) the Company advises the Trustee in writing that the Depository
is no longer  willing or able to  properly  discharge  its  responsibilities  as
Depository and (B) the Company is unable to locate a qualified successor or (ii)
the  Company  at its option  advises  the  Trustee in writing  that it elects to
terminate the book-entry system through the Depository, the Trustee shall notify
all Certificate  Owners,  through the Depository,  of the occurrence of any such
event and of the availability of Definitive  Certificates to Certificate  Owners
requesting   the  same.   Upon  surrender  to  the  Trustee  of  the  Book-Entry
Certificates by the Depository,  accompanied by registration  instructions  from
the  Depository  for  registration  of  transfer,  the  Trustee  shall issue the
Definitive  Certificates.  Neither  the  Company,  the Master  Servicer  nor the
Trustee shall be liable for any actions taken by the  Depository or its nominee,
including,  without  limitation,  any delay in delivery of such instructions and
may  conclusively   rely  on,  and  shall  be  protected  in  relying  on,  such
instructions. Upon the issuance of Definitive Certificates all references herein
to obligations imposed upon or to be performed by the Company in connection with
the issuance of the Definitive  Certificates pursuant to this Section 5.01 shall
be deemed to be imposed upon and  performed by the Trustee,  and the Trustee and
the Master Servicer shall  recognize the Holders of the Definitive  Certificates
as Certificateholders hereunder.

(c) From time to time  Residential  Funding,  as the initial Holder of the Class
A-V  Certificates,  may  exchange  such  Holder's  Class  A-V  Certificates  for
Subclasses  of Class A-V  Certificates  to be issued  under  this  Agreement  by
delivering a "Request for Exchange" substantially in the form attached hereto as
Exhibit N executed by an authorized officer, which Subclasses, in the aggregate,
will   represent  the   Uncertificated   Class  A-V  REMIC   Regular   Interests
corresponding  to the Class A-V  Certificates so surrendered  for exchange.  Any
Subclass so issued  shall bear a  numerical  designation  commencing  with Class
A-V-1 and continuing sequentially thereafter, and will evidence ownership of the
Uncertificated  REMIC Regular Interest or Interests specified in writing by such
initial  Holder to the  Trustee.  The  Trustee  may  conclusively,  without  any
independent  verification,  rely on,  and  shall be  protected  in  relying  on,
Residential  Funding's  determinations  of the  Uncertificated  Class  A-V REMIC
Regular Interests corresponding to any Subclass, the Initial Notional Amount and
the initial  Pass-Through  Rate on a Subclass  as set forth in such  Request for
Exchange and the Trustee  shall have no duty to determine if any  Uncertificated
Class  A-V  REMIC  Regular  Interest   designated  on  a  Request  for  Exchange
corresponds  to a Subclass which has  previously  been issued.  Each Subclass so
issued shall be  substantially  in the form set forth in Exhibit A and shall, on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar for  authentication  and delivery in accordance with Section  5.01(a).
Every  Certificate  presented or surrendered  for exchange by the initial Holder
shall (if so  required  by the  Trustee or the  Certificate  Registrar)  be duly
endorsed by, or be accompanied by a written  instrument of transfer  attached to
such  Certificate and shall be completed to the  satisfaction of the Trustee and
the  Certificate  Registrar  duly executed by, the initial Holder thereof or his
attorney duly authorized in writing.  The  Certificates of any Subclass of Class
A-V  Certificates  may be transferred  in whole,  but not in part, in accordance
with the provisions of Section 5.02.

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<PAGE>

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

(a) The  Trustee  shall cause to be kept at one of the offices or agencies to be
appointed by the Trustee in  accordance  with the  provisions  of Section 8.12 a
Certificate Register in which, subject to such reasonable  regulations as it may
prescribe, the Trustee shall provide for the registration of Certificates and of
transfers  and  exchanges of  Certificates  as herein  provided.  The Trustee is
initially  appointed  Certificate  Registrar  for  the  purpose  of  registering
Certificates and transfers and exchanges of Certificates as herein provided. The
Certificate Registrar,  or the Trustee, shall provide the Master Servicer with a
certified list of Certificateholders as of each Record Date prior to the related
Determination Date.

(b) Upon surrender for registration of transfer of any Certificate at any office
or agency of the Trustee  maintained  for such purpose  pursuant to Section 8.12
and,  in the  case  of any  Class  M,  Class  B or  Class  R  Certificate,  upon
satisfaction  of the conditions  set forth below,  the Trustee shall execute and
the Certificate  Registrar shall  authenticate  and deliver,  in the name of the
designated  transferee or  transferees,  one or more new  Certificates of a like
Class (or Subclass) and aggregate Percentage Interest.

(c) At the option of the  Certificateholders,  Certificates may be exchanged for
other Certificates of authorized denominations of a like Class (or Subclass) and
aggregate  Percentage  Interest,  upon  surrender  of  the  Certificates  to  be
exchanged  at any such  office  or  agency.  Whenever  any  Certificates  are so
surrendered for exchange the Trustee shall execute and the Certificate Registrar
shall  authenticate  and  deliver  the  Certificates  of such  Class  which  the
Certificateholder  making the exchange is entitled to receive. Every Certificate
presented or  surrendered  for transfer or exchange shall (if so required by the
Trustee or the Certificate  Registrar) be duly endorsed by, or be accompanied by
a written  instrument  of transfer in form  satisfactory  to the Trustee and the
Certificate  Registrar duly executed by, the Holder thereof or his attorney duly
authorized in writing.

(d) No transfer,  sale,  pledge or other  disposition  of a Class B  Certificate
shall be made unless such transfer,  sale, pledge or other disposition is exempt
from the  registration  requirements  of the Securities Act of 1933, as amended,
and any applicable  state securities laws or is made in accordance with said Act
and laws.  In the event that a transfer of a Class B  Certificate  is to be made
either (i)(A) the Trustee shall require a written Opinion of Counsel  acceptable
to and in form and  substance  satisfactory  to the Trustee and the Company that
such transfer may be made pursuant to an exemption,  describing  the  applicable
exemption  and the  basis  therefor,  from  said Act and  laws or is being  made
pursuant to said Act and laws,  which Opinion of Counsel shall not be an expense
of the  Trustee,  the  Company  or the Master  Servicer  (except  that,  if such
transfer is made by the Company or the Master Servicer or any Affiliate thereof,
the Company or the Master  Servicer  shall  provide  such  Opinion of Counsel at
their own  expense);  provided that such Opinion of Counsel will not be required
in connection with the initial  transfer of any such  Certificate by the Company
or any  Affiliate  thereof to the Company or an Affiliate of the Company and (B)
the Trustee shall require the  transferee  to execute a  representation  letter,
substantially in the form of Exhibit H hereto, and the Trustee shall require the
transferor  to execute a  representation  letter,  substantially  in the form of
Exhibit I hereto,  each acceptable to and in form and substance  satisfactory to
the Company and the Trustee  certifying to the Company and the Trustee the facts
surrounding such transfer,  which representation letters shall not be an expense
of the Trustee, the Company or the Master Servicer; provided, however, that such
representation  letters will not be required in connection  with any transfer of
any such  Certificate by the Company or any Affiliate  thereof to the Company or
an Affiliate of the Company,  and the Trustee shall be entitled to  conclusively

                                       73
<PAGE>

rely upon a representation  (which, upon the request of the Trustee,  shall be a
written representation) from the Company, of the status of such transferee as an
Affiliate  of  the  Company  or  (ii)  the  prospective  transferee  of  such  a
Certificate shall be required to provide the Trustee, the Company and the Master
Servicer  with an  investment  letter  substantially  in the form of  Exhibit  J
attached hereto (or such other form as the Company in its sole discretion  deems
acceptable), which investment letter shall not be an expense of the Trustee, the
Company or the Master Servicer,  and which investment  letter states that, among
other  things,  such  transferee  (A) is a  "qualified  institutional  buyer" as
defined  under Rule 144A,  acting for its own  account or the  accounts of other
"qualified  institutional  buyers" as defined under Rule 144A,  and (B) is aware
that the proposed  transferor intends to rely on the exemption from registration
requirements  under the  Securities  Act of 1933,  as amended,  provided by Rule
144A. The Holder of any such  Certificate  desiring to effect any such transfer,
sale, pledge or other disposition shall, and does hereby agree to, indemnify the
Trustee, the Company, the Master Servicer and the Certificate  Registrar against
any liability that may result if the transfer, sale, pledge or other disposition
is not so exempt or is not made in accordance with such federal and state laws.

(e)  (i) In the  case  of any  Class  B or  Class R  Certificate  presented  for
     registration  in the  name of any  Person,  either  (A) the  Trustee  shall
     require  an  Opinion of  Counsel  acceptable  to and in form and  substance
     satisfactory  to the  Trustee,  the Company and the Master  Servicer to the
     effect that the purchase or holding of such Class B or Class R  Certificate
     is permissible  under  applicable law, will not constitute or result in any
     non-exempt  prohibited  transaction  under  Section  406  of  the  Employee
     Retirement  Income Security Act of 1974, as amended  ("ERISA"),  or Section
     4975 of the Code (or comparable  provisions of any subsequent  enactments),
     and will not subject the Trustee, the Company or the Master Servicer to any
     obligation or liability  (including  obligations or liabilities under ERISA
     or  Section  4975 of the  Code) in  addition  to those  undertaken  in this
     Agreement, which Opinion of Counsel shall not be an expense of the Trustee,
     the Company or the Master Servicer or (B) the prospective  Transferee shall
     be  required to provide the  Trustee,  the Company and the Master  Servicer
     with a certification  to the effect set forth in paragraph six of Exhibit H
     (with respect to any Class B Certificate) or paragraph  fourteen of Exhibit
     G-1 (with respect to any Class R  Certificate),  which the Trustee may rely
     upon without further inquiry or investigation, or such other certifications
     as the Trustee may deem  desirable or necessary in order to establish  that
     such Transferee or the Person in whose name such  registration is requested
     either (a) is not an  employee  benefit  plan or other plan  subject to the
     prohibited  transaction provisions of ERISA or Section 4975 of the Code, or
     any Person (including an investment manager, a named fiduciary or a trustee
     of any such  plan) who is using  "plan  assets"  of any such plan to effect
     such acquisition  (each, a "Plan Investor") or (b) in the case of any Class
     B Certificate,  the following conditions are satisfied: (i) such Transferee
     is an insurance company,  (ii) the source of funds used to purchase or hold
     such  Certificate  (or interest  therein) is an "insurance  company general

                                       74
<PAGE>

     account" (as defined in U.S.  Department  of Labor  Prohibited  Transaction
     Class  Exemption  ("PTCE")  95-60,  and (iii) the  conditions  set forth in
     Sections I and III of PTCE  95-60 have been  satisfied  (each  entity  that
     satisfies this clause (b), a "Complying Insurance Company").

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

               (iii) (A) If any Class M Certificate (or any interest therein) is
               acquired  or  held  by any  Person  that  does  not  satisfy  the
               conditions  described  in  paragraph  (ii)  above,  then the last
               preceding Transferee that either (i) is not a Plan Investor, (ii)
               acquired such  Certificate in compliance  with the RFC Exemption,
               or (iii) is a Complying  Insurance Company shall be restored,  to
               the extent  permitted  by law, to all rights and  obligations  as
               Certificate  Owner  thereof  retroactive  to  the  date  of  such
               Transfer of such Class M Certificate.  The Trustee shall be under
               no  liability  to any Person for making any  payments due on such
               Certificate to such preceding Transferee.

                      (B) Any purported  Certificate  Owner whose acquisition or
               holding of any Class M  Certificate  (or  interest  therein)  was
               effected in violation of the restrictions in this Section 5.02(e)
               shall indemnify and hold harmless the Company,  the Trustee,  the
               Master Servicer, any Subservicer,  the Underwriters and the Trust
               Fund from and against any and all liabilities,  claims,  costs or
               expenses incurred by such parties as a result of such acquisition
               or holding.

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

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

                                       75
<PAGE>

(B)  In connection  with any proposed  Transfer of any  Ownership  Interest in a
     Class R  Certificate,  the Trustee shall require  delivery to it, and shall
     not register the Transfer of any Class R Certificate  until its receipt of,
     (I) an affidavit and agreement (a "Transfer  Affidavit and  Agreement,"  in
     the form attached hereto as Exhibit G-1) from the proposed  Transferee,  in
     form and substance  satisfactory to the Master  Servicer,  representing and
     warranting,  among other things, that it is a Permitted Transferee, that it
     is not acquiring its Ownership  Interest in the Class R Certificate that is
     the subject of the proposed Transfer as a nominee, trustee or agent for any
     Person who is not a  Permitted  Transferee,  that for so long as it retains
     its Ownership Interest in a Class R Certificate, it will endeavor to remain
     a Permitted  Transferee,  and that it has reviewed the  provisions  of this
     Section 5.02(f) and agrees to be bound by them, and (II) a certificate,  in
     the form  attached  hereto as  Exhibit  G-2,  from the  Holder  wishing  to
     transfer the Class R Certificate, in form and substance satisfactory to the
     Master Servicer,  representing and warranting,  among other things, that no
     purpose of the proposed  Transfer is to impede the assessment or collection
     of tax.

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

(D)  Each  Person  holding or  acquiring  any  Ownership  Interest  in a Class R
     Certificate  shall agree (x) to require a Transfer  Affidavit and Agreement
     from any  other  Person  to whom  such  Person  attempts  to  transfer  its
     Ownership  Interest in a Class R  Certificate  and (y) not to transfer  its
     Ownership  Interest  unless it provides a certificate to the Trustee in the
     form attached hereto as Exhibit G-2.

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

(ii)    The Trustee will register the Transfer of any Class R  Certificate  only
        if it shall have  received  the  Transfer  Affidavit  and  Agreement,  a
        certificate of the Holder  requesting such transfer in the form attached
        hereto as Exhibit G-2 and all of such other documents as shall have been
        reasonably  required by the Trustee as a condition to such registration.
        Transfers of the Class R Certificates  to Non-United  States Persons and
        Disqualified  Organizations  (as  defined in Section  860E(e)(5)  of the
        Code) are prohibited.

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<PAGE>

(iii)(A) If any  Disqualified  Organization  shall  become a holder of a Class R
     Certificate,   then  the  last  preceding  Permitted  Transferee  shall  be
     restored,  to the extent permitted by law, to all rights and obligations as
     Holder thereof  retroactive to the date of registration of such Transfer of
     such Class R  Certificate.  If a  Non-United  States  Person shall become a
     holder of a Class R  Certificate,  then the last  preceding  United  States
     Person shall be restored, to the extent permitted by law, to all rights and
     obligations as Holder thereof  retroactive to the date of  registration  of
     such  Transfer  of such Class R  Certificate.  If a  transfer  of a Class R
     Certificate  is   disregarded   pursuant  to  the  provisions  of  Treasury
     Regulations  Section 1.860E-1 or Section 1.860G-3,  then the last preceding
     Permitted Transferee shall be restored,  to the extent permitted by law, to
     all rights and  obligations  as Holder  thereof  retroactive to the date of
     registration  of such  Transfer  of such Class R  Certificate.  The Trustee
     shall be under no liability to any Person for any  registration of Transfer
     of a Class R  Certificate  that is in fact not  permitted  by this  Section
     5.02(f) or for making any  payments due on such  Certificate  to the holder
     thereof or for taking any other  action with  respect to such holder  under
     the provisions of this Agreement.

     (B)  If any  purported  Transferee  shall  become  a  Holder  of a  Class R
          Certificate in violation of the  restrictions  in this Section 5.02(f)
          and to the extent that the  retroactive  restoration  of the rights of
          the Holder of such Class R Certificate as described in clause (iii)(A)
          above  shall be  invalid,  illegal or  unenforceable,  then the Master
          Servicer  shall  have the right,  without  notice to the holder or any
          prior  holder  of such  Class R  Certificate,  to  sell  such  Class R
          Certificate  to a purchaser  selected  by the Master  Servicer on such
          terms as the Master  Servicer may choose.  Such  purported  Transferee
          shall  promptly  endorse  and  deliver  each  Class R  Certificate  in
          accordance  with  the  instructions  of  the  Master  Servicer.   Such
          purchaser  may be the Master  Servicer  itself or any Affiliate of the
          Master  Servicer.  The proceeds of such sale,  net of the  commissions
          (which may include  commissions  payable to the Master Servicer or its
          Affiliates),  expenses and taxes due, if any,  will be remitted by the
          Master Servicer to such purported Transferee. The terms and conditions
          of any sale under this clause (iii)(B) shall be determined in the sole
          discretion of the Master  Servicer,  and the Master Servicer shall not
          be liable to any  Person  having an  Ownership  Interest  in a Class R
          Certificate as a result of its exercise of such discretion.

(iv) The Master Servicer, on behalf of the Trustee,  shall make available,  upon
     written request from the Trustee, all information  necessary to compute any
     tax imposed (A) as a result of the Transfer of an  Ownership  Interest in a
     Class R  Certificate  to any  Person  who is a  Disqualified  Organization,
     including the  information  regarding  "excess  inclusions" of such Class R
     Certificates  required to be provided to the Internal  Revenue  Service and
     certain   Persons   as   described   in   Treasury   Regulations   Sections
     1.860D-1(b)(5)  and  1.860E-2(a)(5),  and (B) as a result of any  regulated
     investment  company,  real  estate  investment  trust,  common  trust fund,
     partnership, trust, estate or organization described in Section 1381 of the
     Code that holds an Ownership  Interest in a Class R  Certificate  having as
     among its  record  holders  at any time any  Person  who is a  Disqualified
     Organization. Reasonable compensation for providing such information may be
     required by the Master Servicer from such Person.

                                       77
<PAGE>

(v)     The  provisions  of this Section  5.02(f) set forth prior to this clause
        (v) may be modified,  added to or eliminated,  provided that there shall
        have been delivered to the Trustee the following:

     (A)  written  notification  from each Rating  Agency to the effect that the
          modification,  addition to or elimination of such  provisions will not
          cause such Rating Agency to downgrade  its  then-current  ratings,  if
          any, of any Class of the Senior, Class M or Class B Certificates below
          the lower of the  then-current  rating or the rating  assigned to such
          Certificates as of the Closing Date by such Rating Agency; and

     (B)  subject to Section  10.01(f),  an Officers'  Certificate of the Master
          Servicer  stating that the Master  Servicer has received an Opinion of
          Counsel, in form and substance satisfactory to the Master Servicer, to
          the  effect  that such  modification,  addition  to or absence of such
          provisions  will not cause any portion of any REMIC  formed  under the
          Series  Supplement  to cease to  qualify as a REMIC and will not cause
          (x) any portion of any REMIC formed under the Series  Supplement to be
          subject to an  entity-level  tax caused by the Transfer of any Class R
          Certificate to a Person that is a Disqualified  Organization  or (y) a
          Certificateholder  or another Person to be subject to a  REMIC-related
          tax caused by the Transfer of a Class R  Certificate  to a Person that
          is not a Permitted Transferee.

     (g) No  service  charge  shall  be made for any  transfer  or  exchange  of
Certificates  of any  Class,  but  the  Trustee  may  require  payment  of a sum
sufficient  to cover  any tax or  governmental  charge  that may be  imposed  in
connection with any transfer or exchange of Certificates.

     (h) All  Certificates  surrendered  for  transfer  and  exchange  shall  be
destroyed by the Certificate Registrar.

Section 5.03.  Mutilated, Destroyed, Lost or Stolen Certificates.
               --------------------------------------------------

        If (i) any  mutilated  Certificate  is  surrendered  to the  Certificate
Registrar,  or the Trustee and the  Certificate  Registrar  receive  evidence to
their  satisfaction of the destruction,  loss or theft of any  Certificate,  and
(ii) there is  delivered  to the  Trustee  and the  Certificate  Registrar  such
security or indemnity as may be required by them to save each of them  harmless,
then, in the absence of notice to the Trustee or the Certificate  Registrar that
such  Certificate has been acquired by a bona fide purchaser,  the Trustee shall
execute  and the  Certificate  Registrar  shall  authenticate  and  deliver,  in
exchange  for or in lieu  of any  such  mutilated,  destroyed,  lost  or  stolen
Certificate,  a new Certificate of like tenor, Class and Percentage Interest but
bearing a number not contemporaneously outstanding. Upon the issuance of any new
Certificate  under this  Section,  the  Trustee may require the payment of a sum

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<PAGE>

sufficient to cover any tax or other governmental  charge that may be imposed in
relation thereto and any other expenses  (including the fees and expenses of the
Trustee  and the  Certificate  Registrar)  connected  therewith.  Any  duplicate
Certificate  issued  pursuant to this  Section  shall  constitute  complete  and
indefeasible  evidence of ownership in the Trust Fund, as if originally  issued,
whether or not the lost,  stolen or destroyed  Certificate shall be found at any
time.

Section 5.04.  Persons Deemed Owners.
               ---------------------

        Prior to due presentation of a Certificate for registration of transfer,
the Company,  the Master Servicer,  the Trustee,  any Certificate  Insurer,  the
Certificate  Registrar and any agent of the Company,  the Master  Servicer,  the
Trustee,  any  Certificate  Insurer or the  Certificate  Registrar may treat the
Person  in  whose  name  any  Certificate  is  registered  as the  owner of such
Certificate for the purpose of receiving  distributions pursuant to Section 4.02
and for all other purposes  whatsoever,  except as and to the extent provided in
the  definition  of  "Certificateholder,"  and neither the  Company,  the Master
Servicer,  the Trustee, any Certificate  Insurer, the Certificate  Registrar nor
any agent of the Company,  the Master  Servicer,  the Trustee,  any  Certificate
Insurer or the Certificate Registrar shall be affected by notice to the contrary
except as provided in Section 5.02(f).

Section 5.05.  Appointment of Paying Agent.
               ---------------------------

        The  Trustee  may  appoint  a Paying  Agent  for the  purpose  of making
distributions to the  Certificateholders  pursuant to Section 4.02. In the event
of any  such  appointment,  on or  prior to each  Distribution  Date the  Master
Servicer on behalf of the Trustee  shall  deposit or cause to be deposited  with
the Paying Agent a sum sufficient to make the payments to the Certificateholders
in the amounts and in the manner  provided for in Section  4.02,  such sum to be
held in trust for the benefit of the Certificateholders.

        The Trustee  shall cause each Paying Agent to execute and deliver to the
Trustee an  instrument  in which such Paying  Agent shall agree with the Trustee
that such  Paying  Agent  will hold all sums held by it for the  payment  to the
Certificateholders in trust for the benefit of the  Certificateholders  entitled
thereto  until such sums shall be paid to such  Certificateholders.  Any sums so
held by such Paying Agent shall be held only in Eligible  Accounts to the extent
such sums are not distributed to the  Certificateholders  on the date of receipt
by such Paying Agent.

                                       79
<PAGE>

                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

Section 6.01.  Respective Liabilities of the Company and the Master Servicer.
               --------------------------------------------------------------

        The Company and the Master  Servicer  shall each be liable in accordance
herewith only to the extent of the  obligations  specifically  and  respectively
imposed upon and undertaken by the Company and the Master  Servicer  herein.  By
way of  illustration  and not  limitation,  the  Company  is not  liable for the
servicing  and  administration  of the  Mortgage  Loans,  nor is it obligated by
Section 7.01 or Section 10.01 to assume any  obligations of the Master  Servicer
or to appoint a designee  to assume such  obligations,  nor is it liable for any
other  obligation  hereunder that it may, but is not obligated to, assume unless
it elects to assume such obligation in accordance herewith.

Section 6.02.  Merger or  Consolidation  of the Company or the Master  Servicer;
     Assignment of Rights and Delegation of Duties by Master Servicer.

(a) The  Company  and the  Master  Servicer  will each keep in full  effect  its
existence, rights and franchises as a corporation under the laws of the state of
its  incorporation,  and will each obtain and preserve its  qualification  to do
business  as  a  foreign   corporation  in  each   jurisdiction  in  which  such
qualification   is  or  shall  be   necessary   to  protect  the   validity  and
enforceability of this Agreement,  the Certificates or any of the Mortgage Loans
and to perform its respective duties under this Agreement.

(b) Any Person  into which the Company or the Master  Servicer  may be merged or
consolidated,  or any corporation  resulting from any merger or consolidation to
which  the  Company  or the  Master  Servicer  shall be a party,  or any  Person
succeeding to the business of the Company or the Master  Servicer,  shall be the
successor of the Company or the Master Servicer,  as the case may be, hereunder,
without the  execution  or filing of any paper or any further act on the part of
any of the parties  hereto,  anything  herein to the  contrary  notwithstanding;
provided, however, that the successor or surviving Person to the Master Servicer
shall be qualified to service  mortgage loans on behalf of Fannie Mae or Freddie
Mac; and  provided  further that each Rating  Agency's  ratings,  if any, of the
Senior,  Class M or Class B  Certificates  in effect  immediately  prior to such
merger or consolidation will not be qualified,  reduced or withdrawn as a result
thereof (as evidenced by a letter to such effect from each Rating Agency).

(c)  Notwithstanding  anything else in this Section 6.02 and Section 6.04 to the
contrary,  the Master Servicer may assign its rights and delegate its duties and
obligations  under  this  Agreement;  provided  that the Person  accepting  such
assignment  or  delegation  shall be a  Person  which is  qualified  to  service
mortgage   loans  on  behalf  of  Fannie  Mae  or  Freddie  Mac,  is  reasonably
satisfactory to the Trustee and the Company,  is willing to service the Mortgage
Loans and executes and delivers to the Company and the Trustee an agreement,  in
form and substance reasonably satisfactory to the Company and the Trustee, which
contains an  assumption by such Person of the due and punctual  performance  and
observance  of each  covenant  and  condition to be performed or observed by the
Master Servicer under this Agreement; provided further that each Rating Agency's

                                       80
<PAGE>

rating of the Classes of Certificates that have been rated in effect immediately
prior to such  assignment  and  delegation  will not be  qualified,  reduced  or
withdrawn  as a result of such  assignment  and  delegation  (as  evidenced by a
letter  to such  effect  from  each  Rating  Agency).  In the  case of any  such
assignment  and  delegation,  the Master  Servicer  shall be  released  from its
obligations  under this Agreement,  except that the Master Servicer shall remain
liable for all  liabilities  and  obligations  incurred by it as Master Servicer
hereunder  prior to the  satisfaction  of the conditions to such  assignment and
delegation set forth in the next preceding sentence.

Section 6.03.  Limitation on Liability of the Company,
                      the Master Servicer and Others.

        Neither  the  Company,  the Master  Servicer  nor any of the  directors,
officers,  employees  or agents of the Company or the Master  Servicer  shall be
under any liability to the Trust Fund or the  Certificateholders  for any action
taken or for refraining  from the taking of any action in good faith pursuant to
this  Agreement,  or for  errors  in  judgment;  provided,  however,  that  this
provision shall not protect the Company,  the Master Servicer or any such Person
against any breach of warranties or representations made herein or any liability
which would otherwise be imposed by reason of willful misfeasance,  bad faith or
gross negligence in the performance of duties or by reason of reckless disregard
of obligations and duties  hereunder.  The Company,  the Master Servicer and any
director,  officer,  employee or agent of the Company or the Master Servicer may
rely in good faith on any document of any kind prima facie properly executed and
submitted by any Person respecting any matters arising  hereunder.  The Company,
the Master Servicer and any director,  officer, employee or agent of the Company
or the Master  Servicer shall be indemnified by the Trust Fund and held harmless
against any loss,  liability or expense  incurred in  connection  with any legal
action  relating to this  Agreement  or the  Certificates,  other than any loss,
liability or expense  related to any specific  Mortgage  Loan or Mortgage  Loans
(except as any such loss,  liability or expense shall be otherwise  reimbursable
pursuant  to this  Agreement)  and any loss,  liability  or expense  incurred by
reason of willful misfeasance,  bad faith or gross negligence in the performance
of duties hereunder or by reason of reckless disregard of obligations and duties
hereunder.

        Neither  the  Company  nor  the  Master  Servicer  shall  be  under  any
obligation to appear in, prosecute or defend any legal or administrative action,
proceeding,  hearing or  examination  that is not  incidental to its  respective
duties  under this  Agreement  and which in its  opinion  may  involve it in any
expense or liability; provided, however, that the Company or the Master Servicer
may  in its  discretion  undertake  any  such  action,  proceeding,  hearing  or
examination that it may deem necessary or desirable in respect to this Agreement
and the  rights  and  duties of the  parties  hereto  and the  interests  of the
Certificateholders  hereunder.  In such event,  the legal  expenses and costs of
such action,  proceeding,  hearing or  examination  and any liability  resulting
therefrom  shall be expenses,  costs and  liabilities of the Trust Fund, and the
Company and the Master Servicer shall be entitled to be reimbursed  therefor out
of amounts  attributable  to the  Mortgage  Loans on  deposit  in the  Custodial
Account as provided by Section 3.10 and, on the Distribution  Date(s)  following
such reimbursement,  the aggregate of such expenses and costs shall be allocated
in reduction of the Accrued Certificate  Interest on each Class entitled thereto
in the same  manner as if such  expenses  and  costs  constituted  a  Prepayment
Interest Shortfall.

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<PAGE>

Section 6.04.  Company and Master Servicer Not to Resign.
               -----------------------------------------

        Subject to the  provisions of Section 6.02,  neither the Company nor the
Master  Servicer shall resign from its respective  obligations and duties hereby
imposed on it except upon  determination that its duties hereunder are no longer
permissible  under  applicable  law.  Any  such  determination   permitting  the
resignation  of the  Company or the Master  Servicer  shall be  evidenced  by an
Opinion of Counsel to such effect delivered to the Trustee.  No such resignation
by the Master  Servicer shall become  effective until the Trustee or a successor
servicer  shall  have  assumed  the  Master  Servicer's   responsibilities   and
obligations in accordance with Section 7.02.

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<PAGE>

ARTICLE VII

<PAGE>

                                     DEFAULT

Section 7.01.  Events of Default.
               -----------------

        Event of Default,  wherever used herein,  means any one of the following
events  (whatever  reason  for such  Event of  Default  and  whether it shall be
voluntary or  involuntary  or be effected by operation of law or pursuant to any
judgment,  decree or order of any court or any order,  rule or regulation of any
administrative or governmental body):

(i)     the Master  Servicer shall fail to distribute or cause to be distributed
        to the Holders of Certificates of any Class any distribution required to
        be made  under  the  terms of the  Certificates  of such  Class and this
        Agreement and, in either case,  such failure shall  continue  unremedied
        for a period of 5 days after the date upon which written  notice of such
        failure, requiring such failure to be remedied, shall have been given to
        the  Master  Servicer  by the  Trustee  or the  Company or to the Master
        Servicer,  the Company and the Trustee by the Holders of Certificates of
        such Class  evidencing  Percentage  Interests  aggregating not less than
        25%; or

(ii) the Master  Servicer  shall  fail to  observe  or  perform in any  material
     respect any other of the  covenants or agreements on the part of the Master
     Servicer  contained in the  Certificates  of any Class or in this Agreement
     and such failure shall continue  unremedied for a period of 30 days (except
     that such  number of days  shall be 15 in the case of a failure  to pay the
     premium for any Required  Insurance Policy) after the date on which written
     notice of such failure,  requiring the same to be remedied, shall have been
     given to the  Master  Servicer  by the  Trustee or the  Company,  or to the
     Master Servicer, the Company and the Trustee by the Holders of Certificates
     of  any  Class  evidencing,  in the  case  of any  such  Class,  Percentage
     Interests aggregating not less than 25%; or

(iii)   a decree or order of a court or agency or supervisory  authority  having
        jurisdiction in the premises in an involuntary case under any present or
        future  federal  or  state  bankruptcy,  insolvency  or  similar  law or
        appointing a conservator  or receiver or  liquidator in any  insolvency,
        readjustment  of debt,  marshalling of assets and liabilities or similar
        proceedings,  or for the winding-up or liquidation of its affairs, shall
        have been entered  against the Master  Servicer and such decree or order
        shall have remained in force undischarged or unstayed for a period of 60
        days; or

(iv)    the Master Servicer shall consent to the appointment of a conservator or
        receiver  or  liquidator  in  any  insolvency,   readjustment  of  debt,
        marshalling of assets and  liabilities,  or similar  proceedings  of, or
        relating  to,  the  Master  Servicer  or  of,  or  relating  to,  all or
        substantially all of the property of the Master Servicer; or

(v)     the Master  Servicer  shall  admit in writing its  inability  to pay its
        debts  generally as they become due,  file a petition to take  advantage
        of, or commence a voluntary  case under,  any  applicable  insolvency or
        reorganization  statute,  make  an  assignment  for the  benefit  of its
        creditors, or voluntarily suspend payment of its obligations; or

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<PAGE>

(vi)    the Master Servicer shall notify the Trustee pursuant to Section 4.04(b)
        that it is unable to deposit in the Certificate  Account an amount equal
        to the Advance.

        If an Event of  Default  described  in clauses  (i)-(v) of this  Section
shall  occur,  then,  and in each and every such case,  so long as such Event of
Default shall not have been remedied, either the Company or the Trustee may, and
at the  direction  of Holders of  Certificates  entitled  to at least 51% of the
Voting Rights,  the Trustee shall,  by notice in writing to the Master  Servicer
(and to the  Company if given by the  Trustee or to the  Trustee if given by the
Company),  terminate all of the rights and  obligations  of the Master  Servicer
under this Agreement and in and to the Mortgage Loans and the proceeds  thereof,
other than its rights as a Certificateholder  hereunder.  If an Event of Default
described in clause (vi) hereof shall occur, the Trustee shall, by notice to the
Master  Servicer and the Company,  immediately  terminate  all of the rights and
obligations  of the  Master  Servicer  under  this  Agreement  and in and to the
Mortgage  Loans  and  the  proceeds   thereof,   other  than  its  rights  as  a
Certificateholder  hereunder  as  provided in Section  4.04(b).  On or after the
receipt by the Master Servicer of such written  notice,  all authority and power
of the  Master  Servicer  under  this  Agreement,  whether  with  respect to the
Certificates  (other  than  as a  Holder  thereof)  or  the  Mortgage  Loans  or
otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or
the  Trustee's  designee  appointed  pursuant  to  Section  7.02;  and,  without
limitation,  the  Trustee is hereby  authorized  and  empowered  to execute  and
deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any
and all documents and other instruments,  and to do or accomplish all other acts
or things  necessary  or  appropriate  to effect the  purposes of such notice of
termination,  whether to complete the transfer and  endorsement or assignment of
the Mortgage  Loans and related  documents,  or otherwise.  The Master  Servicer
agrees to cooperate with the Trustee in effecting the  termination of the Master
Servicer's responsibilities and rights hereunder, including, without limitation,
the transfer to the Trustee or its designee for administration by it of all cash
amounts  which  shall at the time be credited  to the  Custodial  Account or the
Certificate  Account or  thereafter  be received  with  respect to the  Mortgage
Loans. No such  termination  shall release the Master Servicer for any liability
that it would  otherwise  have  hereunder  for any act or omission  prior to the
effective time of such termination.

        Notwithstanding any termination of the activities of Residential Funding
in its  capacity as Master  Servicer  hereunder,  Residential  Funding  shall be
entitled  to  receive,  out of any late  collection  of a Monthly  Payment  on a
Mortgage  Loan  which  was  due  prior  to the  notice  terminating  Residential
Funding's rights and obligations as Master Servicer hereunder and received after
such notice,  that portion to which Residential Funding would have been entitled
pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in
respect thereof,  and any other amounts payable to Residential Funding hereunder
the  entitlement  to which  arose  prior to the  termination  of its  activities
hereunder.  Upon the  termination  of  Residential  Funding  as Master  Servicer
hereunder the Company shall deliver to the Trustee a copy of the Program Guide.

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<PAGE>

Section 7.02.  Trustee or Company to Act; Appointment of Successor.
               ----------------------------------------------------

(a) On and after the time the Master  Servicer  receives a notice of termination
pursuant to Section 7.01 or resigns in accordance with Section 6.04, the Trustee
or, upon notice to the Company and with the Company's  consent  (which shall not
be unreasonably withheld) a designee (which meets the standards set forth below)
of the Trustee, shall be the successor in all respects to the Master Servicer in
its capacity as servicer under this Agreement and the  transactions set forth or
provided for herein and shall be subject to all the responsibilities, duties and
liabilities  relating  thereto  placed on the Master  Servicer  (except  for the
responsibilities, duties and liabilities contained in Sections 2.02 and 2.03(a),
excluding  the duty to notify  related  Subservicers  or Sellers as set forth in
such  Sections,  and its  obligations  to  deposit  amounts in respect of losses
incurred  prior to such notice or  termination on the investment of funds in the
Custodial  Account or the Certificate  Account  pursuant to Sections 3.07(c) and
4.01(b) by the terms and provisions hereof); provided, however, that any failure
to  perform  such  duties or  responsibilities  caused by the  preceding  Master
Servicer's failure to provide information  required by Section 4.04 shall not be
considered a default by the Trustee  hereunder.  As compensation  therefor,  the
Trustee shall be entitled to all funds  relating to the Mortgage Loans which the
Master  Servicer would have been entitled to charge to the Custodial  Account or
the  Certificate  Account if the Master  Servicer had continued to act hereunder
and, in addition, shall be entitled to the income from any Permitted Investments
made with  amounts  attributable  to the  Mortgage  Loans held in the  Custodial
Account or the Certificate  Account.  If the Trustee has become the successor to
the Master  Servicer in  accordance  with  Section  6.04 or Section  7.01,  then
notwithstanding  the above, the Trustee may, if it shall be unwilling to so act,
or shall, if it is unable to so act,  appoint,  or petition a court of competent
jurisdiction to appoint,  any established housing and home finance  institution,
which  is  also  a  Fannie  Mae-  or  Freddie  Mac-approved  mortgage  servicing
institution, having a net worth of not less than $10,000,000 as the successor to
the  Master  Servicer  hereunder  in the  assumption  of all or any  part of the
responsibilities,  duties  or  liabilities  of the  Master  Servicer  hereunder.
Pending appointment of a successor to the Master Servicer hereunder, the Trustee
shall become  successor to the Master Servicer and shall act in such capacity as
hereinabove  provided.  In connection with such appointment and assumption,  the
Trustee may make such arrangements for the compensation of such successor out of
payments on  Mortgage  Loans as it and such  successor  shall  agree;  provided,
however,  that no such  compensation  shall be in excess of that  permitted  the
initial Master Servicer hereunder.  The Company,  the Trustee, the Custodian and
such successor shall take such action,  consistent with this Agreement, as shall
be  necessary to  effectuate  any such  succession.  The  Servicing  Fee for any
successor  Master  Servicer  appointed  pursuant  to this  Section  7.02 will be
lowered with respect to those Mortgage Loans, if any, where the Subservicing Fee
accrues at a rate of less than  0.20% per annum in the event that the  successor
Master  Servicer  is  not  servicing  such  Mortgage  Loans  directly  and it is
necessary to raise the related  Subservicing Fee to a rate of 0.20% per annum in
order to hire a Subservicer with respect to such Mortgage Loans.

        (b) In connection  with the  termination  or  resignation  of the Master
Servicer  hereunder,  either (i) the successor  Master  Servicer,  including the
Trustee if the Trustee is acting as successor Master  Servicer,  shall represent
and  warrant  that it is a member of MERS in good  standing  and shall  agree to
comply  in all  material  respects  with the  rules  and  procedures  of MERS in
connection  with the servicing of the Mortgage  Loans that are  registered  with
MERS, in which case the  predecessor  Master  Servicer shall  cooperate with the
successor  Master  Servicer in causing MERS to revise its records to reflect the
transfer of servicing to the successor  Master Servicer as necessary under MERS'
rules and regulations,  or (ii) the predecessor  Master Servicer shall cooperate
with the  successor  Master  Servicer in causing  MERS to execute and deliver an

                                       85
<PAGE>

the Trustee and to execute and deliver such other  notices,  documents and other
instruments  as may be  necessary  or  desirable  to effect a  transfer  of such
Mortgage Loan or servicing of such  Mortgage  Loan on the MERS(R)  System to the
successor Master Servicer.  The predecessor  Master Servicer shall file or cause
to be  filed  any such  assignment  in the  appropriate  recording  office.  The
predecessor  Master  Servicer  shall  bear any and all  fees of  MERS,  costs of
preparing  any  assignments  of  Mortgage,  and fees and  costs  of  filing  any
assignments  of Mortgage  that may be required  under this  subsection  (b). The
successor  Master  Servicer  shall cause such  assignment to be delivered to the
Trustee or the Custodian  promptly upon receipt of the original with evidence of
recording  thereon or a copy certified by the public  recording  office in which
such assignment was recorded.

Section 7.03.  Notification to Certificateholders.
               -----------------------------------

(a) Upon any such  termination  or  appointment  of a  successor  to the  Master
Servicer,   the  Trustee  shall  give  prompt  written  notice  thereof  to  the
Certificateholders  at their respective  addresses  appearing in the Certificate
Register.

(b) Within 60 days after the  occurrence  of any Event of  Default,  the Trustee
shall transmit by mail to all Holders of Certificates  notice of each such Event
of Default  hereunder  known to the Trustee,  unless such Event of Default shall
have been cured or waived.

Section 7.04.  Waiver of Events of Default.
               ----------------------------

        The Holders representing at least 66% of the Voting Rights affected by a
default  or Event of  Default  hereunder  may  waive  such  default  or Event of
Default; provided,  however, that (a) a default or Event of Default under clause
(i) of Section  7.01 may be waived  only by all of the  Holders of  Certificates
affected by such default or Event of Default and (b) no waiver  pursuant to this
Section 7.04 shall affect the Holders of Certificates in the manner set forth in
Section  11.01(b)(i)  or (ii).  Upon any such  waiver of a  default  or Event of
Default by the Holders  representing  the requisite  percentage of Voting Rights
affected by such  default or Event of Default,  such default or Event of Default
shall cease to exist and shall be deemed to have been remedied for every purpose
hereunder.  No such waiver shall extend to any  subsequent  or other  default or
Event of  Default or impair any right  consequent  thereon  except to the extent
expressly so waived.

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                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

Section 8.01.  Duties of Trustee.
               -----------------

(a) The Trustee,  prior to the  occurrence  of an Event of Default and after the
curing or waiver of all Events of Default which may have occurred, undertakes to
perform such duties and only such duties as are  specifically  set forth in this
Agreement. In case an Event of Default has occurred (which has not been cured or
waived),  the Trustee shall  exercise such of the rights and powers vested in it
by this  Agreement,  and use the same degree of care and skill in their exercise
as a prudent  investor  would  exercise  or use under the  circumstances  in the
conduct of such investor's own affairs.

(b) The Trustee,  upon  receipt of all  resolutions,  certificates,  statements,
opinions,  reports,  documents,  orders or other  instruments  furnished  to the
Trustee  which  are  specifically  required  to be  furnished  pursuant  to  any
provision  of this  Agreement,  shall  examine  them to  determine  whether they
conform to the  requirements  of this  Agreement.  The Trustee  shall notify the
Certificateholders  of any such documents which do not materially conform to the
requirements  of  this  Agreement  in the  event  that  the  Trustee,  after  so
requesting, does not receive satisfactorily corrected documents.

        The Trustee shall  forward or cause to be forwarded in a timely  fashion
the  notices,  reports and  statements  required to be  forwarded by the Trustee
pursuant to Sections 4.03,  4.06, 7.03 and 10.01. The Trustee shall furnish in a
timely fashion to the Master  Servicer such  information as the Master  Servicer
may reasonably  request from time to time for the Master Servicer to fulfill its
duties as set forth in this Agreement.  The Trustee covenants and agrees that it
shall perform its obligations hereunder in a manner so as to maintain the status
of any portion of any REMIC formed under the Series  Supplement as a REMIC under
the REMIC Provisions and (subject to Section 10.01(f)) to prevent the imposition
of any federal, state or local income,  prohibited transaction,  contribution or
other tax on the Trust  Fund to the  extent  that  maintaining  such  status and
avoiding  such taxes are  reasonably  within the  control of the Trustee and are
reasonably within the scope of its duties under this Agreement.

(c) No  provision  of this  Agreement  shall be construed to relieve the Trustee
from liability for its own negligent action, its own negligent failure to act or
its own willful misconduct; provided, however, that:

(i)  Prior to the  occurrence  of an Event of  Default,  and after the curing or
     waiver of all such Events of Default  which may have  occurred,  the duties
     and  obligations  of the Trustee shall be determined  solely by the express
     provisions  of this  Agreement,  the Trustee shall not be liable except for
     the  performance  of such duties and  obligations as are  specifically  set
     forth in this Agreement,  no implied covenants or obligations shall be read
     into this Agreement against the Trustee and, in the absence of bad faith on
     the part of the Trustee, the Trustee may conclusively rely, as to the truth
     of the statements and the  correctness of the opinions  expressed  therein,
     upon any  certificates or opinions  furnished to the Trustee by the Company
     or the Master  Servicer  and which on their  face,  do not  contradict  the
     requirements of this Agreement;

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<PAGE>

(ii)    The Trustee shall not be personally liable for an error of judgment made
        in good faith by a Responsible  Officer or  Responsible  Officers of the
        Trustee,  unless it shall be proved that the Trustee  was  negligent  in
        ascertaining the pertinent facts;

(iii)   The Trustee  shall not be  personally  liable with respect to any action
        taken, suffered or omitted to be taken by it in good faith in accordance
        with  the   direction  of   Certificateholders   of  any  Class  holding
        Certificates  which  evidence,  as to such Class,  Percentage  Interests
        aggregating  not  less  than 25% as to the  time,  method  and  place of
        conducting any proceeding  for any remedy  available to the Trustee,  or
        exercising  any trust or power  conferred  upon the Trustee,  under this
        Agreement;

(iv)    The Trustee  shall not be charged with  knowledge of any default  (other
        than a default in payment to the  Trustee)  specified in clauses (i) and
        (ii) of Section 7.01 or an Event of Default  under clauses  (iii),  (iv)
        and (v) of Section  7.01  unless a  Responsible  Officer of the  Trustee
        assigned to and working in the  Corporate  Trust Office  obtains  actual
        knowledge  of such  failure  or event or the  Trustee  receives  written
        notice of such failure or event at its  Corporate  Trust Office from the
        Master Servicer, the Company or any Certificateholder; and

(v)     Except to the extent  provided in Section  7.02,  no  provision  in this
        Agreement  shall  require  the  Trustee  to expend or risk its own funds
        (including,  without limitation, the making of any Advance) or otherwise
        incur any personal financial  liability in the performance of any of its
        duties as Trustee hereunder,  or in the exercise of any of its rights or
        powers, if the Trustee shall have reasonable  grounds for believing that
        repayment of funds or adequate  indemnity against such risk or liability
        is not reasonably assured to it.

(d) The Trustee shall timely pay, from its own funds,  the amount of any and all
federal,  state and local  taxes  imposed  on the  Trust  Fund or its  assets or
transactions including, without limitation, (A) "prohibited transaction" penalty
taxes as defined in Section 860F of the Code,  if, when and as the same shall be
due and payable,  (B) any tax on contributions to a REMIC after the Closing Date
imposed  by  Section  860G(d)  of the Code and (C) any tax on "net  income  from
foreclosure  property"  as defined in Section  860G(c) of the Code,  but only if
such taxes  arise out of a breach by the Trustee of its  obligations  hereunder,
which breach constitutes negligence or willful misconduct of the Trustee.

Section 8.02.  Certain Matters Affecting the Trustee.

(a)     Except as otherwise provided in Section 8.01:

(i)     The Trustee may rely and shall be protected in acting or refraining from
        acting  upon  any  resolution,  Officers'  Certificate,  certificate  of
        auditors  or any  other  certificate,  statement,  instrument,  opinion,
        report, notice, request,  consent, order, appraisal, bond or other paper
        or  document  believed  by it to be genuine  and to have been  signed or
        presented by the proper party or parties;

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<PAGE>

(ii) The Trustee may consult  with  counsel and any Opinion of Counsel  shall be
     full and complete  authorization  and  protection  in respect of any action
     taken  or  suffered  or  omitted  by it  hereunder  in  good  faith  and in
     accordance with such Opinion of Counsel;

(iii)The Trustee  shall be under no  obligation to exercise any of the trusts or
     powers vested in it by this  Agreement or to  institute,  conduct or defend
     any  litigation  hereunder or in relation  hereto at the request,  order or
     direction of any of the  Certificateholders,  pursuant to the provisions of
     this Agreement,  unless such  Certificateholders  shall have offered to the
     Trustee  reasonable  security or indemnity against the costs,  expenses and
     liabilities  which may be incurred  therein or thereby;  nothing  contained
     herein  shall,  however,  relieve the Trustee of the  obligation,  upon the
     occurrence of an Event of Default (which has not been cured or waived),  to
     exercise such of the rights and powers vested in it by this Agreement,  and
     to use the same  degree  of care and skill in their  exercise  as a prudent
     investor  would exercise or use under the  circumstances  in the conduct of
     such investor's own affairs;

(iv) The Trustee shall not be personally  liable for any action taken,  suffered
     or omitted  by it in good  faith and  believed  by it to be  authorized  or
     within  the  discretion  or  rights  or  powers  conferred  upon it by this
     Agreement;

(v)  Prior to the  occurrence  of an Event of  Default  hereunder  and after the
     curing or waiver of all  Events of  Default  which may have  occurred,  the
     Trustee  shall  not be bound to make any  investigation  into the  facts or
     matters  stated  in any  resolution,  certificate,  statement,  instrument,
     opinion,  report, notice, request,  consent, order, approval, bond or other
     paper or  document,  unless  requested  in  writing  so to do by Holders of
     Certificates  of  any  Class  evidencing,  as  to  such  Class,  Percentage
     Interests,  aggregating not less than 50%; provided,  however,  that if the
     payment within a reasonable  time to the Trustee of the costs,  expenses or
     liabilities likely to be incurred by it in the making of such investigation
     is, in the opinion of the Trustee, not reasonably assured to the Trustee by
     the security afforded to it by the terms of this Agreement, the Trustee may
     require  reasonable  indemnity  against  such  expense  or  liability  as a
     condition  to  so  proceeding.   The  reasonable   expense  of  every  such
     examination  shall be paid by the Master  Servicer,  if an Event of Default
     shall   have   occurred   and  is   continuing,   and   otherwise   by  the
     Certificateholder requesting the investigation;

(vi)    The Trustee may execute any of the trusts or powers hereunder or perform
        any  duties  hereunder  either  directly  or by  or  through  agents  or
        attorneys; and

(vii)To the extent  authorized  under the Code and the  regulations  promulgated
     thereunder,  each  Holder  of a  Class  R  Certificate  hereby  irrevocably
     appoints and authorizes the Trustee to be its attorney-in-fact for purposes
     of  signing  any Tax  Returns  required  to be filed on behalf of the Trust
     Fund. The Trustee shall sign on behalf of the Trust Fund and deliver to the
     Master Servicer in a timely manner any Tax Returns prepared by or on behalf
     of the Master  Servicer  that the Trustee is required to sign as determined
     by the Master Servicer pursuant to applicable  federal,  state or local tax
     laws,  provided that the Master  Servicer  shall  indemnify the Trustee for
     signing any such Tax Returns that contain errors or omissions.

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<PAGE>

(b) Following the issuance of the Certificates, the Trustee shall not accept any
contribution of assets to the Trust Fund unless (subject to Section 10.01(f)) it
shall have obtained or been  furnished  with an Opinion of Counsel to the effect
that such  contribution will not (i) cause any portion of any REMIC formed under
the  Series  Supplement  to fail to  qualify  as a REMIC  at any  time  that any
Certificates  are  outstanding or (ii) cause the Trust Fund to be subject to any
federal tax as a result of such  contribution  (including  the imposition of any
federal tax on "prohibited  transactions"  imposed under Section  860F(a) of the
Code).

Section 8.03.  Trustee Not Liable for Certificates or Mortgage Loans.

        The recitals  contained herein and in the  Certificates  (other than the
execution of the  Certificates and relating to the acceptance and receipt of the
Mortgage  Loans) shall be taken as the  statements  of the Company or the Master
Servicer as the case may be, and the Trustee assumes no responsibility for their
correctness.  The  Trustee  makes  no  representations  as to  the  validity  or
sufficiency  of  this  Agreement  or  of  the  Certificates   (except  that  the
Certificates  shall be duly and  validly  executed  and  authenticated  by it as
Certificate  Registrar) or of any Mortgage Loan or related document,  or of MERS
or the MERS(R) System.  Except as otherwise  provided herein,  the Trustee shall
not be  accountable  for the use or  application  by the  Company  or the Master
Servicer of any of the Certificates or of the proceeds of such Certificates,  or
for the use or  application  of any  funds  paid to the  Company  or the  Master
Servicer in respect of the Mortgage  Loans or deposited in or withdrawn from the
Custodial  Account  or the  Certificate  Account  by the  Company  or the Master
Servicer.

Section 8.04.  Trustee May Own Certificates.

        The Trustee in its individual or any other capacity may become the owner
or pledgee  of  Certificates  with the same  rights it would have if it were not
Trustee.

Section 8.05.  Master Servicer to Pay Trustee's Fees
                      and Expenses; Indemnification.

(a) The  Master  Servicer  covenants  and agrees to pay to the  Trustee  and any
co-trustee  from  time to time,  and the  Trustee  and any  co-trustee  shall be
entitled  to,  reasonable  compensation  (which  shall  not  be  limited  by any
provision of law in regard to the compensation of a trustee of an express trust)
for all services  rendered by each of them in the execution of the trusts hereby
created  and in the  exercise  and  performance  of any of the powers and duties
hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or
reimburse  the  Trustee  and any  co-trustee  upon  request  for all  reasonable
expenses,  disbursements  and  advances  incurred  or made by the Trustee or any
co-trustee in accordance with any of the provisions of this Agreement (including
the reasonable  compensation  and the expenses and  disbursements of its counsel
and of all persons not regularly in its employ, and the expenses incurred by the
Trustee or any  co-trustee in connection  with the  appointment  of an office or
agency  pursuant  to Section  8.12)  except any such  expense,  disbursement  or
advance as may arise from its negligence or bad faith.

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<PAGE>

(b) The Master  Servicer  agrees to  indemnify  the Trustee for, and to hold the
Trustee  harmless  against,  any loss,  liability  or expense  incurred  without
negligence or willful  misconduct on the Trustee's  part,  arising out of, or in
connection with, the acceptance and administration of the Trust Fund,  including
the costs  and  expenses  (including  reasonable  legal  fees and  expenses)  of
defending   itself  against  any  claim  in  connection  with  the  exercise  or
performance  of any of its  powers  or  duties  under  this  Agreement  and  the
Custodial Agreement, provided that:

(i)     with respect to any such claim,  the Trustee shall have given the Master
        Servicer  written notice  thereof  promptly after the Trustee shall have
        actual knowledge thereof;

(ii)    while  maintaining  control  over its own  defense,  the  Trustee  shall
        cooperate and consult fully with the Master  Servicer in preparing  such
        defense; and

(iii)   notwithstanding  anything in this Agreement to the contrary,  the Master
        Servicer  shall not be liable for settlement of any claim by the Trustee
        entered  into  without the prior  consent of the Master  Servicer  which
        consent shall not be unreasonably withheld.

No termination of this Agreement  shall affect the  obligations  created by this
Section  8.05(b) of the Master  Servicer  to  indemnify  the  Trustee  under the
conditions and to the extent set forth herein.

        Notwithstanding  the  foregoing,  the  indemnification  provided  by the
Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability
or expense of the Trustee,  including the costs and expenses of defending itself
against any claim,  incurred in connection with any actions taken by the Trustee
at the  direction  of the  Certificateholders  pursuant  to the  terms  of  this
Agreement.

Section 8.06.  Eligibility Requirements for Trustee.
               ------------------------------------

        The Trustee  hereunder shall at all times be a corporation or a national
banking  association  having its principal office in a state and city acceptable
to the Company and organized and doing  business under the laws of such state or
the United States of America,  authorized under such laws to exercise  corporate
trust powers,  having a combined capital and surplus of at least $50,000,000 and
subject to supervision or  examination  by federal or state  authority.  If such
corporation or national banking  association  publishes  reports of condition at
least  annually,  pursuant  to  law  or to the  requirements  of  the  aforesaid
supervising  or examining  authority,  then for the purposes of this Section the
combined  capital  and  surplus  of such  corporation  shall be deemed to be its
combined capital and surplus as set forth in its most recent report of condition
so  published.  In case at any time the  Trustee  shall  cease to be eligible in
accordance  with the  provisions  of this  Section,  the  Trustee  shall  resign
immediately in the manner and with the effect specified in Section 8.07.

Section 8.07.  Resignation and Removal of the Trustee.
               --------------------------------------

(a) The Trustee may at any time resign and be discharged  from the trusts hereby
created by giving  written  notice  thereof to the Company.  Upon receiving such
notice of resignation, the Company shall promptly appoint a successor trustee by

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<PAGE>

written  instrument,  in  duplicate,  one  copy of  which  instrument  shall  be
delivered to the resigning Trustee and one copy to the successor trustee.  If no
successor  trustee shall have been so appointed  and have  accepted  appointment
within 30 days after the giving of such  notice of  resignation,  the  resigning
Trustee may petition any court of competent  jurisdiction for the appointment of
a successor trustee.

(b) If at any time the Trustee shall cease to be eligible in accordance with the
provisions  of  Section  8.06 and shall  fail to resign  after  written  request
therefor by the Company, or if at any time the Trustee shall become incapable of
acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee
or of its property  shall be appointed,  or any public officer shall take charge
or  control of the  Trustee or of its  property  or affairs  for the  purpose of
rehabilitation,  conservation  or  liquidation,  then the Company may remove the
Trustee and appoint a successor trustee by written instrument, in duplicate, one
copy of which  instrument  shall be  delivered to the Trustee so removed and one
copy to the  successor  trustee.  In  addition,  in the event  that the  Company
determines  that  the  Trustee  has  failed  (i) to  distribute  or  cause to be
distributed  to the  Certificateholders  any amount  required to be  distributed
hereunder, if such amount is held by the Trustee or its Paying Agent (other than
the Master  Servicer  or the  Company)  for  distribution  or (ii) to  otherwise
observe or perform in any material  respect any of its covenants,  agreements or
obligations  hereunder,  and such failure shall continue unremedied for a period
of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii)
above) after the date on which written  notice of such failure,  requiring  that
the same be remedied,  shall have been given to the Trustee by the Company, then
the Company  may remove the  Trustee and appoint a successor  trustee by written
instrument  delivered as provided in the preceding sentence.  In connection with
the appointment of a successor trustee pursuant to the preceding  sentence,  the
Company  shall,  on or  before  the date on which any such  appointment  becomes
effective,  obtain  from  each  Rating  Agency  written  confirmation  that  the
appointment  of any such  successor  trustee will not result in the reduction of
the  ratings  on any  class of the  Certificates  below  the  lesser of the then
current or original ratings on such Certificates.

(c) The Holders of  Certificates  entitled to at least 51% of the Voting  Rights
may at any time remove the  Trustee  and appoint a successor  trustee by written
instrument  or  instruments,  in  triplicate,  signed by such  Holders  or their
attorneys-in-fact  duly authorized,  one complete set of which instruments shall
be delivered to the Company,  one complete set to the Trustee so removed and one
complete set to the successor so appointed.

(d) Any  resignation  or removal of the Trustee and  appointment  of a successor
trustee pursuant to any of the provisions of this Section shall become effective
upon  acceptance of appointment by the successor  trustee as provided in Section
8.08.

Section 8.08.  Successor Trustee.
               -----------------

(a) Any successor  trustee  appointed as provided in Section 8.07 shall execute,
acknowledge  and  deliver  to the  Company  and to its  predecessor  trustee  an
instrument accepting such appointment  hereunder,  and thereupon the resignation
or removal of the predecessor  trustee shall become effective and such successor
trustee shall become effective and such successor  trustee,  without any further
act, deed or conveyance,  shall become fully vested with all the rights, powers,

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<PAGE>

duties and obligations of its predecessor hereunder,  with the like effect as if
originally named as trustee herein. The predecessor trustee shall deliver to the
successor  trustee all Mortgage Files and related  documents and statements held
by it hereunder  (other than any Mortgage Files at the time held by a Custodian,
which  shall  become  the agent of any  successor  trustee  hereunder),  and the
Company,  the Master  Servicer and the  predecessor  trustee  shall  execute and
deliver such  instruments and do such other things as may reasonably be required
for more fully and certainly vesting and confirming in the successor trustee all
such rights, powers, duties and obligations.

(b) No successor  trustee shall accept  appointment  as provided in this Section
unless at the time of such acceptance  such successor  trustee shall be eligible
under the provisions of Section 8.06.

(c) Upon  acceptance of appointment  by a successor  trustee as provided in this
Section,  the  Company  shall  mail  notice of the  succession  of such  trustee
hereunder  to all Holders of  Certificates  at their  addresses  as shown in the
Certificate  Register.  If the Company  fails to mail such notice within 10 days
after acceptance of appointment by the successor trustee,  the successor trustee
shall cause such notice to be mailed at the expense of the Company.

Section 8.09.  Merger or Consolidation of Trustee.
               ----------------------------------

        Any corporation or national  banking  association into which the Trustee
may be  merged  or  converted  or  with  which  it may  be  consolidated  or any
corporation  or  national  banking   association   resulting  from  any  merger,
conversion  or  consolidation  to which  the  Trustee  shall be a party,  or any
corporation or national  banking  association  succeeding to the business of the
Trustee,  shall  be  the  successor  of the  Trustee  hereunder,  provided  such
corporation  or  national  banking  association  shall  be  eligible  under  the
provisions of Section 8.06,  without the execution or filing of any paper or any
further act on the part of any of the  parties  hereto,  anything  herein to the
contrary  notwithstanding.  The Trustee  shall mail notice of any such merger or
consolidation  to the  Certificateholders  at  their  address  as  shown  in the
Certificate Register.

Section 8.10.  Appointment of Co-Trustee or Separate Trustee.
               ---------------------------------------------

(a) Notwithstanding any other provisions hereof, at any time, for the purpose of
meeting  any legal  requirements  of any  jurisdiction  in which any part of the
Trust Fund or property securing the same may at the time be located,  the Master
Servicer and the Trustee  acting  jointly shall have the power and shall execute
and  deliver all  instruments  to appoint  one or more  Persons  approved by the
Trustee to act as  co-trustee  or  co-trustees,  jointly  with the  Trustee,  or
separate trustee or separate trustees, of all or any part of the Trust Fund, and
to vest in such Person or  Persons,  in such  capacity,  such title to the Trust
Fund, or any part thereof,  and, subject to the other provisions of this Section
8.10, such powers, duties, obligations, rights and trusts as the Master Servicer
and the Trustee may consider  necessary  or  desirable.  If the Master  Servicer
shall not have joined in such appointment within 15 days after the receipt by it
of a request so to do, or in case an Event of Default shall have occurred and be
continuing, the Trustee alone shall have the power to make such appointment.  No
co-trustee or separate trustee  hereunder shall be required to meet the terms of
eligibility as a successor trustee under Section 8.06 hereunder and no notice to
Holders  of  Certificates  of  the  appointment  of  co-trustee(s)  or  separate
trustee(s) shall be required under Section 8.08 hereof.

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<PAGE>

(b) In the case of any appointment of a co-trustee or separate  trustee pursuant
to this Section 8.10 all rights,  powers,  duties and  obligations  conferred or
imposed upon the Trustee  shall be  conferred  or imposed upon and  exercised or
performed by the  Trustee,  and such  separate  trustee or  co-trustee  jointly,
except  to the  extent  that  under  any law of any  jurisdiction  in which  any
particular act or acts are to be performed  (whether as Trustee  hereunder or as
successor to the Master Servicer hereunder), the Trustee shall be incompetent or
unqualified  to perform such act or acts,  in which event such  rights,  powers,
duties and obligations  (including the holding of title to the Trust Fund or any
portion  thereof in any such  jurisdiction)  shall be exercised and performed by
such separate trustee or co-trustee at the direction of the Trustee.

(c) Any notice, request or other writing given to the Trustee shall be deemed to
have  been  given to each of the then  separate  trustees  and  co-trustees,  as
effectively  as if  given  to each of  them.  Every  instrument  appointing  any
separate  trustee or co-trustee shall refer to this Agreement and the conditions
of this Article VIII. Each separate trustee and co-trustee,  upon its acceptance
of the trusts conferred,  shall be vested with the estates or property specified
in its instrument of appointment, either jointly with the Trustee or separately,
as may be provided  therein,  subject to all the  provisions of this  Agreement,
specifically including every provision of this Agreement relating to the conduct
of, affecting the liability of, or affording  protection to, the Trustee.  Every
such instrument shall be filed with the Trustee.

(d) Any separate trustee or co-trustee may, at any time, constitute the Trustee,
its agent or attorney-in-fact,  with full power and authority, to the extent not
prohibited by law, to do any lawful act under or in respect of this Agreement on
its behalf and in its name.  If any separate  trustee or  co-trustee  shall die,
become  incapable  of  acting,  resign  or  be  removed,  all  of  its  estates,
properties,  rights,  remedies  and trusts shall vest in and be exercised by the
Trustee,  to the extent  permitted by law,  without the  appointment of a new or
successor trustee.

Section 8.11.  Appointment of Custodians.
               -------------------------

        The  Trustee  may,  with the  consent  of the  Master  Servicer  and the
Company,  appoint one or more  Custodians who are not Affiliates of the Company,
the Master Servicer or any Seller to hold all or a portion of the Mortgage Files
as agent for the Trustee,  by entering  into a Custodial  Agreement.  Subject to
Article  VIII,  the Trustee  agrees to comply  with the terms of each  Custodial
Agreement and to enforce the terms and provisions  thereof against the Custodian
for the benefit of the Certificateholders.  Each Custodian shall be a depository
institution  subject to supervision by federal or state authority,  shall have a
combined  capital and surplus of at least  $15,000,000 and shall be qualified to
do  business  in the  jurisdiction  in which it holds any  Mortgage  File.  Each
Custodial  Agreement  may be amended  only as  provided  in Section  11.01.  The
Trustee shall notify the  Certificateholders of the appointment of any Custodian
(other than the  Custodian  appointed as of the Closing  Date)  pursuant to this
Section 8.11.

Section 8.12.  Appointment of Office or Agency.
               -------------------------------

        The Trustee will maintain an office or agency in the City of New York at
the  address  designated  in  Section  11.05  of  the  Series  Supplement  where

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Certificates  may be surrendered for  registration of transfer or exchange.  The
Trustee will  maintain an office at the address  stated in Section  11.05 of the
Series Supplement where notices and demands to or upon the Trustee in respect of
this Agreement may be served.

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                                   ARTICLE IX

              TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES

Section 9.01.  Optional  Purchase by the Master  Servicer  of All  Certificates;
     Termination  Upon  Purchase by the Master  Servicer or  Liquidation  of All
     Mortgage Loans

(a) Subject to Section 9.02, the respective  obligations and responsibilities of
the Company,  the Master  Servicer and the Trustee  created hereby in respect of
the  Certificates  (other than the  obligation  of the  Trustee to make  certain
payments  after  the  Final  Distribution  Date  to  Certificateholders  and the
obligation  of the Company to send  certain  notices as  hereinafter  set forth)
shall  terminate upon the last action required to be taken by the Trustee on the
Final Distribution Date pursuant to this Article IX following the earlier of:

(i)  the later of the final  payment or other  liquidation  (or any Advance with
     respect  thereto) of the last Mortgage Loan  remaining in the Trust Fund or
     the disposition of all property  acquired upon  foreclosure or deed in lieu
     of foreclosure of any Mortgage Loan, or

(ii) the purchase by the Master  Servicer of all Mortgage Loans and all property
     acquired in respect of any Mortgage  Loan  remaining in the Trust Fund at a
     price equal to 100% of the unpaid  principal  balance of each Mortgage Loan
     or, if less than such unpaid  principal  balance,  the fair market value of
     the related  underlying  property  of such  Mortgage  Loan with  respect to
     Mortgage  Loans as to which  title has been  acquired  if such fair  market
     value is less than such unpaid  principal  balance (net of any unreimbursed
     Advances  attributable  to principal) on the day of repurchase plus accrued
     interest thereon at the Net Mortgage Rate (or Modified Net Mortgage Rate in
     the case of any Modified  Mortgage Loan) to, but not  including,  the first
     day of the month in which such repurchase  price is distributed,  provided,
     however,  that in no event shall the trust created hereby  continue  beyond
     the  expiration  of 21 years  from the  death of the last  survivor  of the
     descendants of Joseph P. Kennedy,  the late ambassador of the United States
     to the Court of St. James,  living on the date hereof and provided  further
     that the purchase price set forth above shall be increased as is necessary,
     as  determined by the Master  Servicer,  to avoid  disqualification  of any
     portion of any REMIC formed under the Series Supplement as a REMIC.

        The right of the Master Servicer to purchase all the assets of the Trust
Fund pursuant to clause (ii) above is conditioned upon the Pool Stated Principal
Balance  as  of  the  Final   Distribution  Date,  prior  to  giving  effect  to
distributions to be made on such Distribution  Date, being less than ten percent
of the Cut-off Date Principal Balance of the Mortgage Loans.

        If such right is exercised by the Master  Servicer,  the Master Servicer
shall be deemed to have been reimbursed for the full amount of any  unreimbursed
Advances theretofore made by it with respect to the Mortgage Loans. In addition,
the Master Servicer shall provide to the Trustee the  certification  required by
Section 3.15 and the Trustee and any Custodian shall, promptly following payment
of the  purchase  price,  release  to the Master  Servicer  the  Mortgage  Files
pertaining to the Mortgage Loans being purchased.

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        In addition to the foregoing, on any Distribution Date on which the Pool
Stated Principal Balance,  prior to giving effect to distributions to be made on
such  Distribution  Date, is less than ten percent of the Cut-off Date Principal
Balance of the Mortgage Loans,  the Master Servicer shall have the right, at its
option, to purchase the Certificates in whole, but not in part, at a price equal
to the outstanding  Certificate  Principal Balance of such Certificates plus the
sum of Accrued  Certificate  Interest  thereon for the related  Interest Accrual
Period and any previously  unpaid Accrued  Certificate  Interest.  If the Master
Servicer  exercises  this right to purchase the  outstanding  Certificates,  the
Master  Servicer  will  promptly   terminate  the  respective   obligations  and
responsibilities  created hereby in respect of the Certificates pursuant to this
Article IX.

(b) The Master  Servicer  shall give the  Trustee  not less than 60 days'  prior
notice of the  Distribution  Date on which the Master Servicer  anticipates that
the final distribution will be made to  Certificateholders  (whether as a result
of the  exercise by the Master  Servicer of its right to purchase  the assets of
the Trust Fund or otherwise) or on which the Master  Servicer  anticipates  that
the  Certificates  will be purchased  (as a result of the exercise by the Master
Servicer to purchase the  outstanding  Certificates).  Notice of any termination
specifying the anticipated  Final  Distribution Date (which shall be a date that
would otherwise be a Distribution  Date) upon which the  Certificateholders  may
surrender their Certificates to the Trustee (if so required by the terms hereof)
for payment of the final distribution and cancellation or notice of any purchase
of the outstanding Certificates, specifying the Distribution Date upon which the
Holders may surrender their  Certificates  to the Trustee for payment,  shall be
given promptly by the Master Servicer (if it is exercising its right to purchase
the assets of the Trust Fund or to purchase the outstanding Certificates), or by
the Trustee (in any other case) by letter to the  Certificateholders  mailed not
earlier  than the 15th day and not  later  than the 25th day of the  month  next
preceding the month of such final distribution specifying:

(i)     the anticipated Final  Distribution Date upon which final payment of the
        Certificates is anticipated to be made upon  presentation  and surrender
        of  Certificates  at  the  office  or  agency  of  the  Trustee  therein
        designated where required  pursuant to this Agreement or, in the case of
        the purchase by the Master Servicer of the outstanding Certificates, the
        Distribution Date on which such purchase is to be made,

(ii)    the amount of any such final payment,  or in the case of the purchase of
        the  outstanding  Certificates,  the purchase  price, in either case, if
        known, and

(iii)   that the Record Date otherwise  applicable to such  Distribution Date is
        not applicable,  and in the case of the Senior  Certificates,  or in the
        case of all of the  Certificates  in connection with the exercise by the
        Master Servicer of its right to purchase the Certificates,  that payment
        will be made only upon presentation and surrender of the Certificates at
        the office or agency of the Trustee therein specified.

If the Master  Servicer is  obligated  to give notice to  Certificateholders  as
aforesaid,  it shall give such notice to the  Certificate  Registrar at the time
such  notice is given to  Certificateholders  and,  if the  Master  Servicer  is
exercising its rights to purchase the  outstanding  Certificates,  it shall give
such  notice  to each  Rating  Agency  at the  time  such  notice  is  given  to

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Certificateholders.  As a result of the  exercise by the Master  Servicer of its
right to  purchase  the  assets of the Trust  Fund,  the Master  Servicer  shall
deposit  in the  Certificate  Account,  before  the Final  Distribution  Date in
immediately available funds an amount equal to the purchase price for the assets
of the Trust Fund,  computed as provided  above.  As a result of the exercise by
the Master Servicer of its right to purchase the outstanding  Certificates,  the
Master Servicer shall deposit in an Eligible Account,  established by the Master
Servicer on behalf of the Trustee and separate from the  Certificate  Account in
the name of the Trustee in trust for the registered holders of the Certificates,
before the  Distribution  Date on which such purchase is to occur in immediately
available  funds an amount  equal to the  purchase  price for the  Certificates,
computed as above  provided,  and provide notice of such deposit to the Trustee.
The Trustee will withdraw  from such account the amount  specified in subsection
(c) below.

(c) In the case of the Senior  Certificates,  upon presentation and surrender of
the Certificates by the Certificateholders thereof, and in the case of the Class
M and Class B Certificates,  upon presentation and surrender of the Certificates
by the Certificateholders  thereof in connection with the exercise by the Master
Servicer of its right to purchase the Certificates,  and otherwise in accordance
with Section 4.01(a), the Trustee shall distribute to the Certificateholders (i)
the  amount  otherwise  distributable  on  such  Distribution  Date,  if  not in
connection with the Master  Servicer's  election to repurchase the assets of the
Trust  Fund or the  outstanding  Certificates,  or (ii) if the  Master  Servicer
elected  to so  repurchase  the  assets  of the  Trust  Fund or the  outstanding
Certificates,  an  amount  determined  as  follows:  (A)  with  respect  to each
Certificate the outstanding  Certificate Principal Balance thereof, plus Accrued
Certificate  Interest for the related  Interest  Accrual  Period thereon and any
previously  unpaid  Accrued  Certificate  Interest,  subject to the priority set
forth in Section 4.02(a), and (B) with respect to the Class R Certificates,  any
excess of the amounts available for distribution (including the repurchase price
specified  in clause  (ii) of  subsection  (a) of this  Section)  over the total
amount distributed under the immediately  preceding clause (A).  Notwithstanding
the reduction of the Certificate  Principal  Balance of any Class of Subordinate
Certificates  to zero,  such  Class  will be  outstanding  hereunder  until  the
termination of the respective  obligations and  responsibilities of the Company,
the Master Servicer and the Trustee hereunder in accordance with Article IX.

(d) If any  Certificateholders  shall not surrender their Certificates for final
payment  and  cancellation  on or  before  the  Final  Distribution  Date (if so
required by the terms hereof), the Trustee shall on such date cause all funds in
the   Certificate   Account   not   distributed   in   final   distribution   to
Certificateholders  to be  withdrawn  therefrom  and  credited to the  remaining
Certificateholders by depositing such funds in a separate escrow account for the
benefit of such Certificateholders, and the Master Servicer (if it exercised its
right to purchase  the assets of the Trust  Fund),  or the Trustee (in any other
case) shall give a second written notice to the remaining  Certificateholders to
surrender their Certificates for cancellation and receive the final distribution
with  respect  thereto.  If within  six  months  after  the  second  notice  any
Certificate shall not have been surrendered for cancellation,  the Trustee shall
take  appropriate  steps as  directed  by the Master  Servicer  to  contact  the
remaining  Certificateholders  concerning  surrender of their Certificates.  The
costs  and  expenses  of  maintaining  the  escrow  account  and  of  contacting
Certificateholders  shall be paid out of the assets  which  remain in the escrow
account.  If within nine months after the second notice any  Certificates  shall

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not have been surrendered for cancellation,  the Trustee shall pay to the Master
Servicer  all  amounts  distributable  to the  holders  thereof  and the  Master
Servicer shall  thereafter hold such amounts until  distributed to such Holders.
No interest  shall accrue or be payable to any  Certificateholder  on any amount
held in the  escrow  account  or by the  Master  Servicer  as a  result  of such
Certificateholder's  failure to surrender its  Certificate(s)  for final payment
thereof in accordance with this Section 9.01.

(e) If any  Certificateholders  do not surrender their Certificates on or before
the Distribution Date on which a purchase of the outstanding  Certificates is to
be made,  the  Trustee  shall on such date  cause  all funds in the  Certificate
Account  deposited therein by the Master Servicer pursuant to Section 9.01(b) to
be  withdrawn  therefrom  and  deposited  in a separate  escrow  account for the
benefit of such Certificateholders,  and the Master Servicer shall give a second
written notice to such  Certificateholders  to surrender their  Certificates for
payment of the purchase  price  therefor.  If within six months after the second
notice any Certificate  shall not have been  surrendered for  cancellation,  the
Trustee  shall take  appropriate  steps as  directed  by the Master  Servicer to
contact  the  Holders  of  such  Certificates   concerning  surrender  of  their
Certificates.  The costs and expenses of  maintaining  the escrow account and of
contacting  Certificateholders  shall be paid out of the assets  which remain in
the  escrow  account.  If  within  nine  months  after  the  second  notice  any
Certificates shall not have been surrendered for cancellation in accordance with
this  Section  9.01,  the Trustee  shall pay to the Master  Servicer all amounts
distributable  to the Holders thereof and the Master  Servicer shall  thereafter
hold such amounts until distributed to such Holders. No interest shall accrue or
be payable to any  Certificateholder on any amount held in the escrow account or
by the  Master  Servicer  as a result  of such  Certificateholder's  failure  to
surrender its  Certificate(s)  for payment in accordance with this Section 9.01.
Any  Certificate  that is not  surrendered on the  Distribution  Date on which a
purchase  pursuant to this Section 9.01 occurs as provided  above will be deemed
to have been  purchased  and the Holder as of such date will have no rights with
respect  thereto  except to receive the purchase  price therefor minus any costs
and expenses  associated with such escrow account and notices allocated thereto.
Any  Certificates  so  purchased  or  deemed  to  have  been  purchased  on such
Distribution Date shall remain  outstanding  hereunder until the Master Servicer
has terminated the respective obligations and responsibilities created hereby in
respect of the  Certificates  pursuant to this  Article IX. The Master  Servicer
shall be for all purposes the Holder thereof as of such date.

Section 9.02.  Additional Termination Requirements.
               -----------------------------------

(a) Each REMIC that  comprises  the Trust Fund shall be terminated in accordance
with the following additional requirements, unless (subject to Section 10.01(f))
the Trustee and the Master  Servicer have received an Opinion of Counsel  (which
Opinion of Counsel  shall not be an expense of the  Trustee)  to the effect that
the failure of each such REMIC to comply with the  requirements  of this Section
9.02 will not (i) result in the  imposition on the Trust of taxes on "prohibited
transactions,"  as described in Section 860F of the Code, or (ii) cause any such
REMIC  to fail to  qualify  as a REMIC  at any  time  that  any  Certificate  is
outstanding:

(i)     The Master Servicer shall establish a 90-day liquidation period for each
        such  REMIC and  specify  the first  day of such  period in a  statement
        attached  to the Trust  Fund's  final Tax Return  pursuant  to  Treasury
        regulations Section 1.860F-1. The Master Servicer also shall satisfy all
        of the requirements of a qualified liquidation for a REMIC under Section
        860F of the Code and regulations thereunder;

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<PAGE>

(ii)    The Master Servicer shall notify the Trustee at the commencement of such
        90-day  liquidation period and, at or prior to the time of making of the
        final payment on the  Certificates,  the Trustee shall sell or otherwise
        dispose of all of the  remaining  assets of the Trust Fund in accordance
        with the terms hereof; and

(iii)   If the  Master  Servicer  or the  Company  is  exercising  its  right to
        purchase the assets of the Trust Fund, the Master Servicer shall, during
        the 90-day  liquidation period and at or prior to the Final Distribution
        Date, purchase all of the assets of the Trust Fund for cash.

(b) Each Holder of a Certificate and the Trustee hereby irrevocably approves and
appoints the Master Servicer as its attorney-in-fact to adopt a plan of complete
liquidation  for each REMIC at the expense of the Trust Fund in accordance  with
the terms and conditions of this Agreement.

Section 9.03.  Termination of Multiple REMICs.
               -------------------------------

        If the REMIC  Administrator  makes two or more separate REMIC elections,
the  applicable   REMIC  shall  be  terminated  on  the  earlier  of  the  Final
Distribution  Date and the date on which it is deemed to receive the last deemed
distributions on the related Uncertificated REMIC Regular Interests and the last
distribution due on the Certificates is made.

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                                   ARTICLE X

                                REMIC PROVISIONS

Section 10.01. REMIC Administration.

(a) The REMIC  Administrator  shall make an  election to treat the Trust Fund as
one or more REMICs under the Code and, if necessary, under applicable state law.
The assets of each such REMIC will be set forth in the Series  Supplement.  Such
election  will be  made  on  Form  1066  or  other  appropriate  federal  tax or
information return (including Form 8811) or any appropriate state return for the
taxable  year  ending  on the  last  day of  the  calendar  year  in  which  the
Certificates  are issued.  For the purposes of each REMIC election in respect of
the Trust Fund,  Certificates  and  interests to be  designated  as the "regular
interests"  and the sole class of "residual  interests" in the REMIC will be set
forth in Section 10.03 of the Series Supplement. The REMIC Administrator and the
Trustee shall not permit the creation of any "interests"  (within the meaning of
Section  860G of the Code) in any REMIC  elected  in  respect  of the Trust Fund
other than the "regular interests" and "residual interests" so designated.

(b) The Closing Date is hereby designated as the "startup day" of the Trust Fund
within the meaning of Section 860G(a)(9) of the Code.

(c) The REMIC  Administrator  shall hold a Class R  Certificate  representing  a
0.01%  Percentage  Interest each Class of the Class R Certificates  and shall be
designated as "the tax matters  person" with respect to each REMIC in the manner
provided under Treasury regulations section 1.860F-4(d) and Treasury regulations
section 301.6231(a)(7)-1.  The REMIC Administrator, as tax matters person, shall
(i) act on behalf of each REMIC in  relation  to any tax  matter or  controversy
involving the Trust Fund and (ii) represent the Trust Fund in any administrative
or judicial  proceeding  relating to an examination or audit by any governmental
taxing authority with respect  thereto.  The legal expenses,  including  without
limitation attorneys' or accountants' fees, and costs of any such proceeding and
any liability  resulting  therefrom  shall be expenses of the Trust Fund and the
REMIC Administrator  shall be entitled to reimbursement  therefor out of amounts
attributable  to the  Mortgage  Loans on  deposit  in the  Custodial  Account as
provided by Section  3.10 unless such legal  expenses  and costs are incurred by
reason  of the REMIC  Administrator's  willful  misfeasance,  bad faith or gross
negligence.  If  the  REMIC  Administrator  is no  longer  the  Master  Servicer
hereunder,  at its option the REMIC  Administrator  may  continue  its duties as
REMIC  Administrator  and shall be paid  reasonable  compensation  not to exceed
$3,000 per year by any successor Master Servicer  hereunder for so acting as the
REMIC Administrator.

(d) The REMIC Administrator shall prepare or cause to be prepared all of the Tax
Returns  that it  determines  are required  with  respect to each REMIC  created
hereunder and deliver such Tax Returns in a timely manner to the Trustee and the
Trustee shall sign and file such Tax Returns in a timely manner. The expenses of
preparing  such returns  shall be borne by the REMIC  Administrator  without any
right of reimbursement therefor. The REMIC Administrator agrees to indemnify and
hold harmless the Trustee with respect to any tax or liability  arising from the
Trustee's  signing of Tax Returns that contain errors or omissions.  The Trustee
and Master  Servicer shall promptly  provide the REMIC  Administrator  with such
information  as the REMIC  Administrator  may from time to time  request for the
purpose of enabling the REMIC Administrator to prepare Tax Returns.

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<PAGE>

(e) The REMIC  Administrator  shall  provide (i) to any  Transferor of a Class R
Certificate  such  information  as is necessary for the  application  of any tax
relating  to the  transfer of a Class R  Certificate  to any Person who is not a
Permitted Transferee,  (ii) to the Trustee, and the Trustee shall forward to the
Certificateholders,  such  information or reports as are required by the Code or
the REMIC  Provisions  including  reports  relating to interest,  original issue
discount and market  discount or premium (using the Prepayment  Assumption)  and
(iii) to the Internal  Revenue  Service the name,  title,  address and telephone
number of the person who will serve as the representative of each REMIC.

(f) The Master Servicer and the REMIC  Administrator shall take such actions and
shall cause each REMIC created  hereunder to take such actions as are reasonably
within the Master Servicer's or the REMIC Administrator's  control and the scope
of its  duties  more  specifically  set forth  herein as shall be  necessary  or
desirable  to  maintain  the  status  of each  REMIC as a REMIC  under the REMIC
Provisions  (and the  Trustee  shall  assist the Master  Servicer  and the REMIC
Administrator, to the extent reasonably requested by the Master Servicer and the
REMIC  Administrator to do so). The Master Servicer and the REMIC  Administrator
shall not knowingly or  intentionally  take any action,  cause the Trust Fund to
take any  action  or fail to take (or fail to  cause  to be  taken)  any  action
reasonably within their respective control that, under the REMIC Provisions,  if
taken or not taken,  as the case may be,  could (i)  endanger  the status of any
portion  of any REMIC  formed  under the  Series  Supplement  as a REMIC or (ii)
result in the imposition of a tax upon any such REMIC (including but not limited
to the tax on prohibited  transactions  as defined in Section  860F(a)(2) of the
Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the
Code)  (either  such  event,  in the  absence  of an  Opinion  of Counsel or the
indemnification  referred to in this sentence,  an "Adverse REMIC Event") unless
the Master Servicer or the REMIC Administrator,  as applicable,  has received an
Opinion of Counsel (at the expense of the party  seeking to take such action or,
if such party fails to pay such  expense,  and the Master  Servicer or the REMIC
Administrator, as applicable,  determines that taking such action is in the best
interest  of the Trust Fund and the  Certificateholders,  at the  expense of the
Trust  Fund,  but in no event at the expense of the Master  Servicer,  the REMIC
Administrator  or the Trustee) to the effect that the  contemplated  action will
not,  with respect to each REMIC  created  hereunder,  endanger  such status or,
unless the Master  Servicer,  the REMIC  Administrator  or both, as  applicable,
determine in its or their sole  discretion  to indemnify  the Trust Fund against
the imposition of such a tax,  result in the imposition of such a tax.  Wherever
in this Agreement a  contemplated  action may not be taken because the timing of
such action might result in the  imposition  of a tax on the Trust Fund,  or may
only be taken  pursuant  to an  Opinion of Counsel  that such  action  would not
impose a tax on the Trust Fund,  such action may  nonetheless  be taken provided
that the  indemnity  given in the  preceding  sentence with respect to any taxes
that  might be  imposed  on the  Trust  Fund has been  given  and that all other
preconditions  to the taking of such  action  have been  satisfied.  The Trustee
shall not take or fail to take any action (whether or not authorized  hereunder)
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that it has  received an Opinion of Counsel to the effect
that an Adverse  REMIC  Event  could  occur  with  respect  to such  action.  In
addition, prior to taking any action with respect to any REMIC created hereunder
or any  related  assets  thereof,  or causing any such REMIC to take any action,
which is not expressly permitted under the terms of this Agreement,  the Trustee

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<PAGE>

will consult with the Master Servicer or the REMIC Administrator, as applicable,
or its designee,  in writing, with respect to whether such action could cause an
Adverse  REMIC Event to occur with  respect to any such  REMIC,  and the Trustee
shall not take any such  action or cause any such REMIC to take any such  action
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that an  Adverse  REMIC  Event  could  occur.  The Master
Servicer or the REMIC Administrator,  as applicable, may consult with counsel to
make  such  written  advice,  and the cost of same  shall be borne by the  party
seeking to take the action not expressly permitted by this Agreement,  but in no
event at the expense of the Master Servicer or the REMIC  Administrator.  At all
times as may be required  by the Code,  the Master  Servicer  will to the extent
within its  control  and the scope of its  duties  more  specifically  set forth
herein, maintain substantially all of the assets of each REMIC created hereunder
as  "qualified  mortgages"  as  defined in  Section  860G(a)(3)  of the Code and
"permitted investments" as defined in Section 860G(a)(5) of the Code.

(g) In the event  that any tax is imposed on  "prohibited  transactions"  of any
REMIC  created  hereunder as defined in Section  860F(a)(2) of the Code, on "net
income  from  foreclosure  property"  of any such  REMIC as  defined  in Section
860G(c) of the Code,  on any  contributions  to any such REMIC after the Startup
Day  therefor  pursuant  to  Section  860G(d)  of the Code,  or any other tax is
imposed  by the Code or any  applicable  provisions  of state or local tax laws,
such tax shall be charged (i) to the Master Servicer,  if such tax arises out of
or results from a breach by the Master Servicer of any of its obligations  under
this Agreement or the Master Servicer has in its sole  discretion  determined to
indemnify  the Trust Fund  against such tax,  (ii) to the  Trustee,  if such tax
arises out of or results from a breach by the Trustee of any of its  obligations
under  this  Article  X, or (iii)  otherwise  against  amounts on deposit in the
Custodial  Account as provided by Section 3.10 and on the  Distribution  Date(s)
following such  reimbursement  the aggregate of such taxes shall be allocated in
reduction of the Accrued Certificate  Interest on each Class entitled thereto in
the same manner as if such taxes constituted a Prepayment Interest Shortfall.

(h) The Trustee and the Master Servicer shall,  for federal income tax purposes,
maintain  books and records  with respect to each REMIC  created  hereunder on a
calendar  year and on an accrual  basis or as  otherwise  may be required by the
REMIC Provisions.

(i) Following the Startup Day, neither the Master Servicer nor the Trustee shall
accept  any  contributions  of  assets  to any REMIC  created  hereunder  unless
(subject to Section  10.01(f))  the Master  Servicer and the Trustee  shall have
received an Opinion of Counsel (at the expense of the party seeking to make such
contribution) to the effect that the inclusion of such assets in such REMIC will
not  cause  the  REMIC  to fail to  qualify  as a REMIC  at any  time  that  any
Certificates  are  outstanding  or subject  the REMIC to any tax under the REMIC
Provisions or other  applicable  provisions  of federal,  state and local law or
ordinances.

(j)  Neither  the Master  Servicer  nor the  Trustee  shall  (subject to Section
10.01(f)) enter into any  arrangement by which any REMIC created  hereunder will
receive a fee or other  compensation  for  services nor permit any such REMIC to
receive any income from assets other than  "qualified  mortgages"  as defined in
Section 860G(a)(3) of the Code or "permitted  investments" as defined in Section
860G(a)(5) of the Code.

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<PAGE>

(k)  Solely for the  purposes  of Section  1.860G-1(a)(4)(iii)  of the  Treasury
Regulations,  the  "latest  possible  maturity  date" by which  the  Certificate
Principal  Balance of each Class of  Certificates  (other than the Interest Only
Certificates)  representing a regular  interest in the applicable  REMIC and the
Uncertificated  Principal Balance of each Uncertificated  REMIC Regular Interest
(other than each  Uncertificated  REMIC Regular Interest  represented by a Class
A-V  Certificate,  if any) and the rights to the Interest Only  Certificates and
Uncertificated  REMIC Regular  Interest  represented by a Class A-V  Certificate
would be  reduced to zero is the  Maturity  Date for each such  Certificate  and
Interest.

(l) Within 30 days after the Closing Date, the REMIC Administrator shall prepare
and file with the Internal  Revenue Service Form 8811,  "Information  Return for
Real Estate Mortgage  Investment  Conduits (REMIC) and Issuers of Collateralized
Debt Obligations" for each REMIC created hereunder.

(m)  Neither  the Trustee  nor the Master  Servicer  shall  sell,  dispose of or
substitute  for any of the Mortgage  Loans  (except in  connection  with (i) the
default,  imminent default or foreclosure of a Mortgage Loan,  including but not
limited to, the acquisition or sale of a Mortgaged  Property acquired by deed in
lieu of foreclosure,  (ii) the bankruptcy of any REMIC created hereunder,  (iii)
the  termination  of any such REMIC  pursuant to Article IX of this Agreement or
(iv) a  purchase  of  Mortgage  Loans  pursuant  to  Article  II or III of  this
Agreement) nor acquire any assets for any such REMIC, nor sell or dispose of any
investments  in the Custodial  Account or the  Certificate  Account for gain nor
accept any  contributions to any such REMIC after the Closing Date unless it has
received  an Opinion of Counsel  that such sale,  disposition,  substitution  or
acquisition will not (a) affect adversely the status of such REMIC as a REMIC or
(b)  unless  the  Master  Servicer  has  determined  in its sole  discretion  to
indemnify  the Trust Fund against such tax,  cause such REMIC to be subject to a
tax on  "prohibited  transactions"  or  "contributions"  pursuant  to the  REMIC
Provisions.

Section 10.02. Master Servicer, REMIC Administrator and Trustee Indemnification.
               -----------------------------------------------------------------

(a) The Trustee  agrees to  indemnify  the Trust Fund,  the  Company,  the REMIC
Administrator and the Master Servicer for any taxes and costs including, without
limitation,  any  reasonable  attorneys fees imposed on or incurred by the Trust
Fund,  the  Company  or the  Master  Servicer,  as a result  of a breach  of the
Trustee's covenants set forth in Article VIII or this Article X.

(b) The REMIC Administrator agrees to indemnify the Trust Fund, the Company, the
Master  Servicer  and the  Trustee for any taxes and costs  (including,  without
limitation,  any reasonable attorneys' fees) imposed on or incurred by the Trust
Fund, the Company,  the Master Servicer or the Trustee,  as a result of a breach
of the REMIC Administrator's  covenants set forth in this Article X with respect
to compliance  with the REMIC  Provisions,  including  without  limitation,  any
penalties  arising from the Trustee's  execution of Tax Returns  prepared by the
REMIC Administrator that contain errors or omissions;  provided,  however,  that
such  liability  will not be imposed to the extent such breach is a result of an
error or omission in  information  provided  to the REMIC  Administrator  by the
Master Servicer in which case Section 10.02(c) will apply.

                                      104
<PAGE>

(c) The Master  Servicer  agrees to indemnify the Trust Fund,  the Company,  the
REMIC Administrator and the Trustee for any taxes and costs (including,  without
limitation,  any reasonable attorneys' fees) imposed on or incurred by the Trust
Fund,  the Company,  the REMIC  Administrator  or the Trustee,  as a result of a
breach of the  Master  Servicer's  covenants  set forth in this  Article X or in
Article III with  respect to  compliance  with the REMIC  Provisions,  including
without  limitation,  any penalties arising from the Trustee's  execution of Tax
Returns prepared by the Master Servicer that contain errors or omissions.

Section 10.03. Designation of REMIC(s).
               ------------------------

        As provided in Section 10.03 of the Series Supplement.

                                      105
<PAGE>

                                   ARTICLE XI
                            MISCELLANEOUS PROVISIONS

Section 11.01. Amendment.

(a) This  Agreement or any Custodial  Agreement may be amended from time to time
by the Company, the Master Servicer and the Trustee,  without the consent of any
of the Certificateholders:

(i)     to cure any ambiguity,

(ii)    to correct or supplement any provisions herein or therein,  which may be
        inconsistent  with any other provisions  herein or therein or to correct
        any error,

(iii)to modify,  eliminate  or add to any of its  provisions  to such  extent as
     shall be necessary or desirable to maintain the  qualification of the Trust
     Fund as a REMIC at all times  that any  Certificate  is  outstanding  or to
     avoid or minimize the risk of the  imposition  of any tax on the Trust Fund
     pursuant to the Code that would be a claim against the Trust Fund, provided
     that the Trustee has  received an Opinion of Counsel to the effect that (A)
     such action is necessary or desirable to maintain such  qualification or to
     avoid or minimize the risk of the  imposition  of any such tax and (B) such
     action will not adversely  affect in any material  respect the interests of
     any Certificateholder,

(iv) to change the timing and/or  nature of deposits into the Custodial  Account
     or the  Certificate  Account or to change  the name in which the  Custodial
     Account is maintained,  provided that (A) the  Certificate  Account Deposit
     Date shall in no event be later than the  related  Distribution  Date,  (B)
     such change  shall not, as  evidenced  by an Opinion of Counsel,  adversely
     affect in any material respect the interests of any  Certificateholder  and
     (C) such change shall not result in a reduction  of the rating  assigned to
     any Class of Certificates below the lower of the then-current rating or the
     rating  assigned to such  Certificates as of the Closing Date, as evidenced
     by a letter from each Rating Agency to such effect,

(v)  to modify,  eliminate or add to the  provisions  of Section  5.02(f) or any
     other provision hereof restricting transfer of the Class R Certificates, by
     virtue of their being the "residual  interests"  in a REMIC,  provided that
     (A) such change shall not result in reduction of the rating assigned to any
     such Class of Certificates  below the lower of the  then-current  rating or
     the  rating  assigned  to such  Certificates  as of the  Closing  Date,  as
     evidenced by a letter from each Rating Agency to such effect,  and (B) such
     change shall not (subject to Section 10.01(f)),  as evidenced by an Opinion
     of Counsel (at the expense of the party seeking so to modify,  eliminate or
     add such  provisions),  cause any  REMIC  created  hereunder  or any of the
     Certificateholders  (other than the  transferor) to be subject to a federal
     tax caused by a transfer to a Person that is not a Permitted Transferee,

(vi) to make any other  provisions with respect to matters or questions  arising
     under  this  Agreement  or such  Custodial  Agreement  which  shall  not be
     materially  inconsistent  with the provisions of this  Agreement,  provided
     that such  action  shall  not,  as  evidenced  by an  Opinion  of  Counsel,
     adversely   affect  in  any   material   respect  the   interests   of  any
     Certificateholder or

                                      106
<PAGE>

(vii)to amend any  provision  herein or therein  that is not  material to any of
     the Certificateholders.

(b) This  Agreement or any Custodial  Agreement may also be amended from time to
time by the Company, the Master Servicer and the Trustee with the consent of the
Holders of  Certificates  evidencing  in the  aggregate not less than 66% of the
Percentage Interests of each Class of Certificates with a Certificate  Principal
Balance  greater  than zero  affected  thereby  for the  purpose  of adding  any
provisions to or changing in any manner or eliminating  any of the provisions of
this  Agreement  or such  Custodial  Agreement or of modifying in any manner the
rights of the Holders of Certificates of such Class; provided,  however, that no
such amendment shall:

(i)  reduce in any manner the amount of, or delay the timing of,  payments which
     are required to be  distributed on any  Certificate  without the consent of
     the Holder of such Certificate,

(ii)    reduce the aforesaid percentage of Certificates of any Class the Holders
        of which are required to consent to any such amendment, in any such case
        without  the consent of the  Holders of all  Certificates  of such Class
        then outstanding.

(c) Notwithstanding any contrary provision of this Agreement,  the Trustee shall
not  consent  to any  amendment  to this  Agreement  unless it shall  have first
received an Opinion of Counsel  (subject to Section  10.01(f) and at the expense
of the party seeking such  amendment)  to the effect that such  amendment or the
exercise of any power granted to the Master Servicer, the Company or the Trustee
in accordance with such amendment will not result in the imposition of a federal
tax on the Trust Fund or cause any REMIC created under the Series  Supplement to
fail to qualify as a REMIC at any time that any Certificate is outstanding.

(d) Promptly after the execution of any such amendment the Trustee shall furnish
written  notification  of the  substance of such  amendment to the Custodian and
each   Certificateholder.   It  shall  not  be  necessary  for  the  consent  of
Certificateholders  under this Section 11.01 to approve the  particular  form of
any proposed amendment, but it shall be sufficient if such consent shall approve
the substance  thereof.  The manner of obtaining such consents and of evidencing
the  authorization  of the  execution  thereof  by  Certificateholders  shall be
subject to such reasonable regulations as the Trustee may prescribe.

(e) The Company  shall have the option,  in its sole  discretion,  to obtain and
deliver to the Trustee any corporate guaranty,  payment obligation,  irrevocable
letter of credit,  surety  bond,  insurance  policy or similar  instrument  or a
reserve fund, or any combination of the foregoing, for the purpose of protecting
the Holders of the Class B  Certificates  against any or all Realized  Losses or
other  shortfalls.  Any such instrument or fund shall be held by the Trustee for
the benefit of the Class B Certificateholders, but shall not be and shall not be
deemed to be under any  circumstances  included in the Trust Fund. To the extent
that any such  instrument or fund  constitutes a reserve fund for federal income
tax purposes,  (i) any reserve fund so established  shall be an outside  reserve
fund and not an asset of the Trust  Fund,  (ii) any such  reserve  fund shall be

                                      107
<PAGE>

owned by the Company,  and (iii)  amounts  transferred  by the Trust Fund to any
such reserve fund shall be treated as amounts  distributed  by the Trust Fund to
the Company or any  successor,  all within the  meaning of Treasury  Regulations
Section  1.860G-2(h) as it reads as of the Cut-off Date. In connection  with the
provision of any such  instrument  or fund,  this  Agreement  and any  provision
hereof may be modified,  added to,  deleted or  otherwise  amended in any manner
that is related or incidental to such instrument or fund or the establishment or
administration thereof, such amendment to be made by written instrument executed
or consented to by the Company but without the consent of any  Certificateholder
and  without the consent of the Master  Servicer or the Trustee  being  required
unless  any such  amendment  would  impose  any  additional  obligation  on,  or
otherwise adversely affect the interests of the Senior  Certificateholders,  the
Class M  Certificateholders,  the Master Servicer or the Trustee, as applicable;
provided that the Company  obtains  (subject to Section  10.01(f)) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
any such amendment will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code and (b) any REMIC created
hereunder  to fail to  qualify  as a REMIC at any time that any  Certificate  is
outstanding.  In the event that the Company  elects to provide such  coverage in
the  form  of  a  limited  guaranty   provided  by  General  Motors   Acceptance
Corporation,  the  Company  may elect  that the text of such  amendment  to this
Agreement  shall be  substantially  in the form attached hereto as Exhibit K (in
which case  Residential  Funding's  Subordinate  Certificate  Loss Obligation as
described in such exhibit shall be established by Residential  Funding's consent
to such  amendment) and that the limited  guaranty shall be executed in the form
attached  hereto as Exhibit L, with such changes as the Company shall deem to be
appropriate;  it being understood that the Trustee has reviewed and approved the
content of such forms and that the  Trustee's  consent  or  approval  to the use
thereof is not required.

Section 11.02. Recordation of Agreement; Counterparts.
               ---------------------------------------

(a) To the extent  permitted by  applicable  law,  this  Agreement is subject to
recordation in all appropriate  public offices for real property  records in all
the  counties  or other  comparable  jurisdictions  in  which  any or all of the
properties  subject to the Mortgages are situated,  and in any other appropriate
public  recording  office or elsewhere,  such  recordation to be effected by the
Master Servicer and at its expense on direction by the Trustee  (pursuant to the
request  of  Holders  of  Certificates  entitled  to at least 25% of the  Voting
Rights),  but only upon  direction  accompanied  by an Opinion of Counsel to the
effect that such recordation  materially and beneficially  affects the interests
of the Certificateholders.

(b) For the purpose of facilitating  the recordation of this Agreement as herein
provided and for other purposes,  this Agreement may be executed  simultaneously
in any number of counterparts,  each of which counterparts shall be deemed to be
an  original,  and  such  counterparts  shall  constitute  but one and the  same
instrument.

                                      108
<PAGE>

Section 11.03. Limitation on Rights of Certificateholders.
               -------------------------------------------

(a) The  death or  incapacity  of any  Certificateholder  shall not  operate  to
terminate this Agreement or the Trust Fund, nor entitle such Certificateholder's
legal  representatives  or heirs to claim an accounting or to take any action or
proceeding  in any court for a partition  or winding up of the Trust  Fund,  nor
otherwise  affect the rights,  obligations and liabilities of any of the parties
hereto.

(b) No  Certificateholder  shall  have any right to vote  (except  as  expressly
provided herein) or in any manner otherwise control the operation and management
of the Trust Fund, or the obligations of the parties hereto,  nor shall anything
herein set forth, or contained in the terms of the Certificates, be construed so
as to constitute the Certificateholders from time to time as partners or members
of an association; nor shall any Certificateholder be under any liability to any
third  person by reason of any action  taken by the  parties  to this  Agreement
pursuant to any provision hereof.

(c) No Certificateholder shall have any right by virtue of any provision of this
Agreement to institute  any suit,  action or proceeding in equity or at law upon
or under or with respect to this Agreement,  unless such Holder previously shall
have given to the  Trustee a written  notice of default  and of the  continuance
thereof, as hereinbefore  provided,  and unless also the Holders of Certificates
of any  Class  evidencing  in the  aggregate  not less  than 25% of the  related
Percentage  Interests of such Class,  shall have made  written  request upon the
Trustee to institute such action,  suit or proceeding in its own name as Trustee
hereunder and shall have offered to the Trustee such reasonable  indemnity as it
may require against the costs,  expenses and liabilities to be incurred  therein
or  thereby,  and the  Trustee,  for 60 days after its  receipt of such  notice,
request and offer of indemnity, shall have neglected or refused to institute any
such action,  suit or proceeding  it being  understood  and intended,  and being
expressly    covenanted   by   each    Certificateholder    with   every   other
Certificateholder  and the Trustee,  that no one or more Holders of Certificates
of any  Class  shall  have any  right in any  manner  whatever  by virtue of any
provision of this  Agreement to affect,  disturb or prejudice  the rights of the
Holders of any other of such  Certificates  of such Class or any other Class, or
to  obtain or seek to  obtain  priority  over or  preference  to any other  such
Holder,  or to  enforce  any right  under this  Agreement,  except in the manner
herein provided and for the common benefit of  Certificateholders  of such Class
or all Classes,  as the case may be. For the protection  and  enforcement of the
provisions  of this  Section  11.03,  each and every  Certificateholder  and the
Trustee  shall be entitled  to such  relief as can be given  either at law or in
equity.

Section 11.04. Governing Law.
               -------------

        This agreement and the  Certificates  shall be governed by and construed
in accordance with the laws of the State of New York and the obligations, rights
and remedies of the parties  hereunder  shall be determined  in accordance  with
such laws.

                                      109
<PAGE>

Section 11.05. Notices.
               -------

        As provided in Section 11.05 of the Series Supplement.

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

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

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

(b)     the occurrence of an Event of Default,

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

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

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

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

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

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

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

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

Section 11.07. Severability of Provisions.
               --------------------------

        If any one or more of the covenants, agreements,  provisions or terms of
this  Agreement  shall be for any  reason  whatsoever  held  invalid,  then such
covenants,  agreements,  provisions or terms shall be deemed  severable from the
remaining covenants, agreements, provisions or terms of this Agreement and shall
in no way affect the validity or  enforceability of the other provisions of this
Agreement or of the Certificates or the rights of the Holders thereof.

                                      110
<PAGE>

Section 11.08. Supplemental Provisions for Resecuritization.
               ---------------------------------------------

        This  Agreement  may be  supplemented  by  means  of the  addition  of a
separate  Article  hereto  (a   "Supplemental   Article")  for  the  purpose  of
resecuritizing  any of the Certificates  issued  hereunder,  under the following
circumstances.  With  respect  to any Class or Classes  of  Certificates  issued
hereunder,  or any portion of any such Class,  as to which the Company or any of
its  Affiliates  (or  any  designee  thereof)  is  the  registered  Holder  (the
"Resecuritized  Certificates"),  the  Company  may  deposit  such  Resecuritized
Certificates into a new REMIC, grantor trust, FASIT or custodial  arrangement (a
"Restructuring  Vehicle") to be held by the Trustee  pursuant to a  Supplemental
Article.  The instrument adopting such Supplemental Article shall be executed by
the Company,  the Master  Servicer and the Trustee;  provided,  that neither the
Master  Servicer nor the Trustee shall withhold  their consent  thereto if their
respective  interests would not be materially adversely affected thereby. To the
extent that the terms of the  Supplemental  Article do not in any way affect any
provisions  of this  Agreement as to any of the  Certificates  initially  issued
hereunder,  the adoption of the  Supplemental  Article  shall not  constitute an
"amendment" of this Agreement.

        Each  Supplemental  Article  shall set forth  all  necessary  provisions
relating to the holding of the  Resecuritized  Certificates by the Trustee,  the
establishment of the  Restructuring  Vehicle,  the issuing of various classes of
new certificates by the  Restructuring  Vehicle and the distributions to be made
thereon,  and any  other  provisions  necessary  for the  purposes  thereof.  In
connection  with each  Supplemental  Article,  the Company  shall deliver to the
Trustee an Opinion of Counsel to the effect that (i) the  Restructuring  Vehicle
will  qualify as a REMIC,  grantor  trust,  FASIT or other entity not subject to
taxation  for  federal  income  tax  purposes  and  (ii)  the  adoption  of  the
Supplemental  Article  will not endanger the status of the Trust Fund as a REMIC
or  (subject to Section  10.01(f))  result in the  imposition  of a tax upon the
Trust Fund  (including but not limited to the tax on prohibited  transactions as
defined  in Section  860F(a)(2)  of the Code and the tax on  contributions  to a
REMIC as set forth in Section 860G(d) of the Code).

Section 11.09. Allocation of Voting Rights.
               ----------------------------

               As provided in Section 11.09 of the Series Supplement.

Section 11.10. No Petition.
               -----------

               As provided in Section 11.10 of the Series Supplement.

                                      111
<PAGE>

                                    EXHIBIT A

FORM  OF  CLASS  A  CERTIFICATE,  [PRINCIPAL  ONLY/CLASS  A-P]  CERTIFICATE  AND
[INTEREST ONLY/CLASS A-V] CERTIFICATE

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"REGULAR  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986.

        UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER,  EXCHANGE,  OR PAYMENT,  AND ANY CERTIFICATE
ISSUED  IS  REGISTERED  IN THE NAME OF CEDE & CO.  OR IN SUCH  OTHER  NAME AS IS
REQUESTED  BY AN  AUTHORIZED  REPRESENTATIVE  OF DTC (AND ANY PAYMENT IS MADE TO
CEDE  &  CO.  OR  TO  SUCH  OTHER  ENTITY  AS  IS  REQUESTED  BY  AN  AUTHORIZED
REPRESENTATIVE  OF DTC), ANY TRANSFER,  PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE  BY OR TO ANY PERSON IS  WRONGFUL  INASMUCH  AS THE  REGISTERED  OWNER
HEREOF, CEDE & CO.,
HAS AN INTEREST HEREIN.]

        [THE  FOLLOWING  INFORMATION  IS  PROVIDED  SOLELY FOR THE  PURPOSES  OF
APPLYING THE U.S.  FEDERAL INCOME TAX ORIGINAL  ISSUE DISCOUNT  ("OID") RULES TO
THIS  CERTIFICATE.  THE ISSUE DATE OF THIS  CERTIFICATE IS ___________ __, ____.
ASSUMING  THAT THE  MORTGAGE  LOANS  PREPAY AT [___]%  OF THE  PREPAYMENT  SPEED
ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), [AND ASSUMING A CONSTANT
PASS-THROUGH RATE EQUAL TO THE INITIAL  PASS-THROUGH RATE,] THIS CERTIFICATE HAS
BEEN ISSUED WITH NO MORE THAN $[ ] OF OID PER  [$1,000]  [$100,000]  OF [INITIAL
CERTIFICATE  PRINCIPAL BALANCE] [NOTIONAL AMOUNT], THE YIELD TO MATURITY IS [ ]%
AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN
$[  ]  PER  [$1,000]  [$100,000]  OF  [INITIAL  CERTIFICATE  PRINCIPAL  BALANCE]
[NOTIONAL AMOUNT],  COMPUTED USING THE APPROXIMATE  METHOD. NO REPRESENTATION IS
MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED
ASSUMPTION  OR AT ANY  OTHER  RATE OR AS TO THE  CONSTANCY  OF THE  PASS-THROUGH
RATE.]
<PAGE>

Certificate No.                    [        %][Variable] Pass-Through Rate
                --------            --------
                                   [based on a Notional Amount]
Class A-     Senior
Date of Pooling and Servicing      [Percentage Interest:       %]
                                                         ------
Agreement and Cut-off Date:
___________ 1, ____                Aggregate Initial [Certificate Principal
                                   Balance] [[Interest Only/Class A-V] Notional
First Distribution Date:           Amount] [Subclass Notional Amount] of the
_________ 25, ____                 Class A-     Certificates:
                                           ----

Master Servicer:                   [Initial] [Certificate Principal
Residential Funding                Balance] [Interest Only/Class A-V] [Subclass]
Corporation                        Notional Amount] of this Certificate:
                                   $                          ]
Assumed Final
Distribution Date:                 CUSIP 76110F-
___________ 25, ____

                 MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE
                                 SERIES ____-___

               evidencing a percentage  interest in the distributions  allocable
               to the  Class  A-  Certificates  with  respect  to a  Trust  Fund
               consisting   primarily  of  a  pool  of   conventional   one-  to
               four-family  fixed  interest rate first mortgage loans formed and
               sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

     This  certifies  that____________________  is the  registered  owner of the
Percentage  Interest  evidenced by this  Certificate  [(obtained by dividing the
[Initial  Certificate  Principal  Balance]  [Initial  [Interest  Only/Class A-V]
Notional  Amount] of this  Certificate  by the  aggregate  [Initial  Certificate
Principal Balance of all Class A- Certificates]  [Initial  [Interest  Only/Class
A-V] Notional Amounts of all [Interest  Only/Class A-V]  Certificates],  both as
specified  above)]  in  certain  distributions  with  respect  to the Trust Fund
consisting  primarily  of  an  interest  in  a  pool  of  conventional  one-  to
four-family  fixed interest rate first  mortgage  loans (the "Mortgage  Loans"),

<PAGE>

formed and sold by Residential  Accredit  Loans,  Inc.  (hereinafter  called the
"Company," which term includes any successor entity under the Agreement referred
to below).  The Trust  Fund was  created  pursuant  to a Pooling  and  Servicing
Agreement  dated as specified  above (the  "Agreement")  among the Company,  the
Master Servicer and __________________, as trustee (the "Trustee"), a summary of
certain of the  pertinent  provisions  of which is set forth  hereafter.  To the
extent not defined herein,  the capitalized  terms used herein have the meanings
assigned in the  Agreement.  This  Certificate is issued under and is subject to
the terms,  provisions and conditions of the Agreement,  to which  Agreement the
Holder of this  Certificate  by virtue of the  acceptance  hereof assents and by
which such Holder is bound.

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this Certificate and the amount [(of interest
and  principal,  if any)]  required  to be  distributed  to  Holders of Class A-
Certificates on such Distribution Date. [The [Interest  Only/Class A-V] Notional
Amount  of  the  [Interest  Only/Class  A-V]  Certificates  as of  any  date  of
determination is equal to the aggregate Stated Principal Balance of the Mortgage
Loans corresponding to the Uncertificated REMIC Regular Interests represented by
such [Interest  Only/Class A-V]  Certificates.] [The Subclass Notional Amount of
the [Interest  Only/Class A-V]-  Certificates as of any date of determination is
equal  to  the  aggregate  Stated  Principal   Balance  of  the  Mortgage  Loans
corresponding to the Uncertificated REMIC Regular Interests  represented by such
[Interest  Only/Class A-V]-  Certificates  immediately prior to such date.] [The
[Interest  Only/Class  A-V][-  ]  Certificates  have  no  Certificate  Principal
Balance.]

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The [Initial Certificate  Principal Balance] [Initial [Interest Only/Class
A-V] Notional Amount] [initial  Subclass Notional Amount] of this Certificate is
set forth above.] [The Certificate  Principal  Balance hereof will be reduced to
the extent of  distributions  allocable  to principal  and any  Realized  Losses
allocable hereto.]

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
<PAGE>

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Reference  is  hereby  made  to the  further  provisions  of this
Certificate set forth on the reverse hereof,  which further provisions shall for
all purposes have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [_________________________],
                                   as Trustee

                                            By:
                                               -------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  A-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [---------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT B

                           FORM OF CLASS M CERTIFICATE

        THIS  CERTIFICATE  IS  SUBORDINATED  IN RIGHT OF  PAYMENT  TO THE SENIOR
CERTIFICATES  [CLASS M-1 CERTIFICATES] [AND CLASS M-2 CERTIFICATES] AS DESCRIBED
IN THE AGREEMENT (AS DEFINED BELOW).

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"REGULAR  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986 (THE "CODE").

        UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER,  EXCHANGE,  OR PAYMENT,  AND ANY CERTIFICATE
ISSUED  IS  REGISTERED  IN THE NAME OF CEDE & CO.  OR IN SUCH  OTHER  NAME AS IS
REQUESTED  BY AN  AUTHORIZED  REPRESENTATIVE  OF DTC (AND ANY PAYMENT IS MADE TO
CEDE  &  CO.  OR  TO  SUCH  OTHER  ENTITY  AS  IS  REQUESTED  BY  AN  AUTHORIZED
REPRESENTATIVE  OF DTC), ANY TRANSFER,  PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE  BY OR TO ANY PERSON IS  WRONGFUL  INASMUCH  AS THE  REGISTERED  OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

        THE  FOLLOWING  INFORMATION  IS  PROVIDED  SOLELY  FOR THE  PURPOSES  OF
APPLYING THE U.S.  FEDERAL INCOME TAX ORIGINAL  ISSUE DISCOUNT  ("OID") RULES TO
THIS  CERTIFICATE.  THE ISSUE DATE OF THIS  CERTIFICATE IS ___________ __, ____.
ASSUMING  THAT THE  MORTGAGE  LOANS  PREPAY AT [___]%  OF THE  PREPAYMENT  SPEED
ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS  SUPPLEMENT),  THIS  CERTIFICATE  HAS
BEEN ISSUED WITH NO MORE THAN $[____] OF OID PER $[1,000] OF INITIAL CERTIFICATE
PRINCIPAL  BALANCE,  THE YIELD TO  MATURITY  IS  [_____]%  AND THE AMOUNT OF OID
ATTRIBUTABLE  TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[____] PER $[1,000]
OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD.
NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON
THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE.

        Any Transferee of this Certificate will be deemed to have represented by
virtue of its purchase or holding of this  Certificate (or interest herein) that
EITHER (a) such Transferee is not an investment  manager, a named fiduciary or a
trustee of any Plan) acting, directly or indirectly,  on behalf of or purchasing
any Certificate with "plan assets" of any Plan (a "plan  investor"),  (B) it has
acquired and is holding such  Certificate in reliance on Prohibited  Transaction
Exemption  ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by PTE

<PAGE>

97-34, 62 Fed. Reg. 39021 (July 21, 1997),  and PTE 2000-58,  65 Fed. Reg. 67765
(November 13, 2000) (the "RFC  Exemption"),  and that it understands  that there
are certain  conditions to the availability of the RFC Exemption  including that
such Certificate  must be rated, at the time of purchase,  not lower than "BBB-"
(or its  equivalent)  by  Standard  & Poor's,  Fitch or  Moody's  or (C) (I) the
transferee is an insurance company, (II) the source of funds to be used by it to
purchase the Certificate is an "insurance  company general  account" (within the
meaning of U.S.  Department  of Labor  Prohibited  Transaction  Class  Exemption
("PTCE")  95-60),  and (iii) the  CONDITIONS  SET FORTH IN SECTIONS I AND III OF
PTCE 95-60 HAVE BEEN  SATISFIED  (EACH ENTITY THAT  SATISFIES THIS CLAUSE (C), A
"cOMPLYING INSURANCE COMPANY).

        If this  Certificate (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD BY ANY
PERSON  THAT  DOES  NOT  SATISFY  THE  CONDITIONS  DESCRIBED  IN  THE  PRECEDING
PARAGRAPH,  THEN THE LAST  preceding  Transferee  that  either (i) is not a Plan
Investor,  (II) ACQUIRED SUCH  CERTIFICATE IN COMPLIANCE WITH THE RFC EXEMPTION,
or (iiI) is a  Complying  Insurance  Company  shall be  restored,  to the extent
permitted by law, to all rights and  obligations  as  Certificate  Owner thereof
retroactive to the date of such Transfer of this Certificate.  The Trustee shall
be  under no  liability  to any  Person  for  making  any  payments  due on this
Certificate to such preceding Transferee.

        Any purported  Certificate  Owner whose  acquisition  or holding of this
Certificate (or interest  herein) was effected in violation of the  restrictions
in Section  5.02(e) of the Pooling and Servicing  Agreement  shall indemnify and
hold harmless the Company,  the Trustee,  the Master Servicer,  any Subservicer,
and the Trust Fund from and against any and all  liabilities,  claims,  costs or
expenses incurred by such parties as a result of such acquisition or holding.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class M-    Subordinate                           Aggregate Certificate
                                                  Principal Balance
Date of Pooling and Servicing                     of the Class M Certificates:
Agreement and Cut-off Date:                       $
___________ 1, ____
                                                  Initial Certificate Principal
First Distribution Date:                          Balance of this Certificate:
_________ 25, ____                                $

Master Servicer:                                  CUSIP: 76110F-
Residential Funding Corporation

Assumed Final Distribution Date:
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

        evidencing a percentage  interest in any distributions  allocable to the
        Class  M-  Certificates  with  respect  to  the  Trust  Fund  consisting
        primarily of a pool of conventional  one- to four-family  fixed interest
        rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS,
        INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

     This  certifies  that  ________________  is  the  registered  owner  of the
Percentage  Interest  evidenced  by this  Certificate  (obtained by dividing the
Certificate  Principal Balance of this Certificate by the aggregate  Certificate
Principal  Balance of all Class M-  Certificates,  both as  specified  above) in
certain  distributions  with respect to a Trust Fund  consisting  primarily of a
pool of  conventional  one- to  four-family  fixed  interest rate first mortgage
loans (the "Mortgage  Loans"),  formed and sold by Residential  Accredit  Loans,
Inc. (hereinafter called the "Company," which term includes any successor entity
under the Agreement referred to below). The Trust Fund was created pursuant to a
Pooling and Servicing Agreement dated as specified above (the "Agreement") among
the  Company,  the Master  Servicer  and  __________________,  as  trustee  (the
"Trustee"),  a summary of certain of the  pertinent  provisions  of which is set
forth hereafter.  To the extent not defined herein,  the capitalized  terms used
herein have the meanings  assigned in the Agreement.  This Certificate is issued
under and is subject to the terms,  provisions  and conditions of the Agreement,
to which  Agreement the Holder of this  Certificate  by virtue of the acceptance
hereof assents and by which such Holder is bound.
<PAGE>

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this  Certificate and the amount (of interest
and  principal,  if any)  required  to be  distributed  to  Holders  of Class M-
Certificates on such Distribution Date.

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the  distributions  allocable to principal  and any  Realized  Losses  allocable
hereto.

               As described  above, no transfer of this Class M Certificate will
be made unless (i) the Trustee  has  received  either an opinion of counsel or a
representation  letter,  each as  described  in the  Agreement,  relating to the
permissibility  of such  transfer  under ERISA and Section 4975 of the Code,  or
(ii) this Certificate is held by a Depository, in which case the Transferee will
be deemed to have made  representations  relating to the  permissibility of such
transfer  under  ERISA and Section  4975 of the Code,  as  described  in Section
5.02(e) of the Agreement.  In addition,  any purported  Certificate  Owner whose
acquisition or holding of this  Certificate (or interest herein) was effected in
violation  of  the  restrictions  in  Section  5.02(e)  of the  Agreement  shall
indemnify and hold harmless the Company, the Trustee,  the Master Servicer,  any
Subservicer,  and the  Trust  Fund  from and  against  any and all  liabilities,
claims,  costs  or  expenses  incurred  by  such  parties  as a  result  of such
acquisition or holding.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
<PAGE>

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [____________________________],
                                            as Trustee

                                            By:
                                               -------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  M-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [-------------------------],
                                                  as Certificate Registrar

                                            By:
                                               --------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT C

                           FORM OF CLASS B CERTIFICATE

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR  CERTIFICATES
AND CLASS M CERTIFICATES [AND CLASS B-1] [CLASS B-2  CERTIFICATES]  DESCRIBED IN
THE AGREEMENT (AS DEFINED HEREIN).

THIS  CERTIFICATE  HAS NOT BEEN AND WILL NOT BE REGISTERED  UNDER THE SECURITIES
ACT OF 1933,  AS  AMENDED,  OR THE  SECURITIES  LAWS OF ANY STATE AND MAY NOT BE
RESOLD OR TRANSFERRED  UNLESS IT IS REGISTERED  PURSUANT TO SUCH ACT AND LAWS OR
IS SOLD OR TRANSFERRED IN TRANSACTIONS  WHICH ARE EXEMPT FROM REGISTRATION UNDER
SUCH ACT AND UNDER  APPLICABLE  STATE LAW AND IS TRANSFERRED IN ACCORDANCE  WITH
THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.

NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION  PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL  SATISFACTORY TO THE MASTER SERVICER,  THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT  PROHIBITED  TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR SECTION 4975 OF THE CODE
AND WILL NOT  SUBJECT  THE MASTER  SERVICER,  THE  COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.

SOLELY FOR U.S.  FEDERAL  INCOME TAX PURPOSES,  THIS  CERTIFICATE  IS A "REGULAR
INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE TERMS ARE
DEFINED,  RESPECTIVELY,  IN SECTIONS  860G AND 860D OF THE CODE.  THE  FOLLOWING
INFORMATION  IS PROVIDED  SOLELY FOR THE PURPOSES OF APPLYING  THE U.S.  FEDERAL
INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE.  THE ISSUE
DATE OF THIS  CERTIFICATE  IS ___________  __, ____.  ASSUMING THAT THE MORTGAGE
LOANS PREPAY AT 100% OF THE  PREPAYMENT  SPEED  ASSUMPTION  (AS DESCRIBED IN THE
PROSPECTUS SUPPLEMENT),  THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[ ]
OF OID PER  $[1,000]  OF INITIAL  CERTIFICATE  PRINCIPAL  BALANCE,  THE YIELD TO
MATURITY  IS [ ]% AND THE  AMOUNT OF OID  ATTRIBUTABLE  TO THE  INITIAL  ACCRUAL
PERIOD  IS NO MORE  THAN $[ ] PER  $[1,000]  OF  INITIAL  CERTIFICATE  PRINCIPAL
BALANCE,  COMPUTED UNDER THE APPROXIMATE  METHOD. NO REPRESENTATION IS MADE THAT
THE  MORTGAGE  LOANS  WILL  PREPAY  AT A  RATE  BASED  ON THE  PREPAYMENT  SPEED
ASSUMPTION OR AT ANY OTHER RATE.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class B-     Subordinate                          Aggregate Certificate
                                                  Principal Balance
Date of Pooling and Servicing                     of the Class B-
Agreement and Cut-off Date:                       Certificates as of
___________ 1, ____                               the Cut-off Date:
                                                  $
First Distribution Date:
_________ 25, ____                                Initial Certificate Principal
                                                  Balance of this Certificate:
Master Servicer:                                  $
Residential Funding Corporation

Assumed Final Distribution Date:
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

       evidencing a percentage  interest in any  distributions  allocable to the
       Class B- Certificates with respect to the Trust Fund consisting primarily
       of a pool of conventional  one- to four-family  fixed interest rate first
       mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

               This  certifies  that  Residential  Accredit  Loans,  Inc. is the
registered  owner  of the  Percentage  Interest  evidenced  by this  Certificate
(obtained by dividing the Certificate  Principal  Balance of this Certificate by
the aggregate Certificate  Principal Balance of all Class B- Certificates,  both
as  specified  above) in  certain  distributions  with  respect  to a Trust Fund
consisting  primarily  of a pool  of  conventional  one-  to  four-family  fixed
interest rate first mortgage loans (the  "Mortgage  Loans"),  formed and sold by
Residential  Accredit Loans, Inc.  (hereinafter called the "Company," which term
includes any successor entity under the Agreement  referred to below). The Trust
Fund  was  created  pursuant  to a  Pooling  and  Servicing  Agreement  dated as
specified  above (the  "Agreement")  among the Company,  the Master Servicer and
__________________,  as  trustee  (the  "Trustee"),  a summary of certain of the
pertinent provisions of which is set forth hereafter.  To the extent not defined
herein,  the  capitalized  terms used herein have the  meanings  assigned in the
Agreement.  This  Certificate  is issued  under  and is  subject  to the  terms,
provisions  and conditions of the  Agreement,  to which  Agreement the Holder of
this  Certificate by virtue of the  acceptance  hereof assents and by which such
Holder is bound.

<PAGE>

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing on
the first  Distribution  Date specified  above, to the Person in whose name this
Certificate  is  registered at the close of business on the last day (or if such
last day is not a Business Day, the Business Day immediately preceding such last
day) of the month next  preceding  the month of such  distribution  (the "Record
Date"), from the Available Distribution Amount in an amount equal to the product
of the  Percentage  Interest  evidenced by this  Certificate  and the amount (of
interest and principal, if any) required to be distributed to Holders of Class B
Certificates on such Distribution Date.

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the  distributions  allocable to principal  and any  Realized  Losses  allocable
hereto.

               No transfer of this Class B Certificate  will be made unless such
transfer is exempt from the  registration  requirements of the Securities Act of
1933,  as  amended,  and  any  applicable  state  securities  laws or is made in
accordance  with said Act and laws.  In the event that such a transfer  is to be
made,  (i) the  Trustee  or the  Company  may  require  an  opinion  of  counsel
acceptable  to and in form and  substance  satisfactory  to the  Trustee and the
Company that such transfer is exempt  (describing  the applicable  exemption and
the  basis  therefor)  from  or is  being  made  pursuant  to  the  registration
requirements  of the Securities  Act of 1933, as amended,  and of any applicable
statute of any state and (ii) the transferee shall execute an investment  letter
in the form  described by the  Agreement.  The Holder hereof  desiring to effect
such  transfer  shall,  and does hereby agree to,  indemnify  the  Trustee,  the
Company,  the Master Servicer and the Certificate  Registrar acting on behalf of
the Trustee  against  any  liability  that may result if the  transfer is not so
exempt  or is not made in  accordance  with such  Federal  and  state  laws.  In
connection  with any such transfer,  the Trustee will also require either (i) an
opinion of counsel  acceptable to and in form and substance  satisfactory to the
Trustee,  the Company and the Master Servicer with respect to the permissibility
of such transfer under the Employee  Retirement  Income Security Act of 1974, as
amended  ("ERISA"),  and Section 4975 of the Internal  Revenue Code (the "Code")
and stating, among other things, that the transferee's  acquisition of a Class B
Certificate will not constitute or result in a non-exempt prohibited transaction
under Section 406 of ERISA or Section 4975 of the Code or (ii) a  representation
letter,  in the form as described by Section  5.02(e) of the  Agreement,  either

<PAGE>

stating that the transferee is not an employee  benefit or other plan subject to
the  prohibited  transaction  provisions of ERISA or Section 4975 of the Code (a
"Plan"), or any other person (including an investment manager, a named fiduciary
or a trustee  of any  Plan)  acting,  directly  or  indirectly,  on behalf of or
purchasing any  Certificate  with "plan assets" of any Plan, or stating that the
transferee  is an  insurance  company,  the  source of funds to be used by it to
purchase the Certificate is an "insurance  company general  account" (within the
meaning of Department of Labor Prohibited  Transaction Class Exemption  ("PTCE")
95-60),  and the purchase is being made in reliance upon the availability of the
exemptive relief afforded under Sections I and III of PTCE 95-60.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
<PAGE>

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [_____________________________],
                                   as Trustee

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  M-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [---------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT D

                           FORM OF CLASS R CERTIFICATE

THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON
OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW).

SOLELY FOR U.S.  FEDERAL  INCOME TAX PURPOSES,  THIS  CERTIFICATE IS A "RESIDUAL
INTEREST"  IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT" AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986 (THE "CODE").

NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION  PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL  SATISFACTORY TO THE MASTER SERVICER,  THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT  PROHIBITED  TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR SECTION 4975 OF THE CODE
AND WILL NOT  SUBJECT  THE MASTER  SERVICER,  THE  COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.

ANY RESALE,  TRANSFER OR OTHER  DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY
IF THE PROPOSED  TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER
AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE
OR POLITICAL  SUBDIVISION  THEREOF,  ANY POSSESSION OF THE UNITED STATES, OR ANY
AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING (OTHER THAN AN INSTRUMENTALITY
WHICH IS A CORPORATION  IF ALL OF ITS  ACTIVITIES  ARE SUBJECT TO TAX AND EXCEPT
FOR FREDDIE  MAC, A MAJORITY OF ITS BOARD OF  DIRECTORS  IS NOT SELECTED BY SUCH
GOVERNMENTAL UNIT), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR
ANY AGENCY OR INSTRUMENTALITY  OF EITHER OF THE FOREGOING,  (C) ANY ORGANIZATION
(OTHER THAN CERTAIN FARMERS' COOPERATIVES  DESCRIBED IN SECTION 521 OF THE CODE)
WHICH IS  EXEMPT  FROM THE TAX  IMPOSED  BY  CHAPTER 1 OF THE CODE  UNLESS  SUCH
ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE (INCLUDING
THE TAX  IMPOSED  BY  SECTION  511 OF THE  CODE ON  UNRELATED  BUSINESS  TAXABLE
INCOME),  (D) RURAL  ELECTRIC AND  TELEPHONE  COOPERATIVES  DESCRIBED IN SECTION
1381(a)(2)(C)  OF THE CODE,  (E) AN ELECTING  LARGE  PARTNERSHIP  UNDER  SECTION
775(a) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B),
(C), (D) OR (E) BEING HEREIN REFERRED TO AS A "DISQUALIFIED  ORGANIZATION"),  OR
(F) AN AGENT OF A DISQUALIFIED ORGANIZATION,  (2) NO PURPOSE OF SUCH TRANSFER IS
TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE  SATISFIES
CERTAIN  ADDITIONAL  CONDITIONS  RELATING  TO  THE  FINANCIAL  CONDITION  OF THE
PROPOSED  TRANSFEREE.   NOTWITHSTANDING  THE  REGISTRATION  IN  THE  CERTIFICATE
REGISTER OR ANY TRANSFER,  SALE OR OTHER  DISPOSITION  OF THIS  CERTIFICATE TO A
DISQUALIFIED  ORGANIZATION  OR AN AGENT  OF A  DISQUALIFIED  ORGANIZATION,  SUCH
REGISTRATION  SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT  WHATSOEVER  AND
SUCH  PERSON  SHALL  NOT BE  DEEMED TO BE A  CERTIFICATEHOLDER  FOR ANY  PURPOSE
HEREUNDER,  INCLUDING,  BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS
CERTIFICATE.  EACH HOLDER OF THIS  CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE
SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class R Senior                                    Aggregate Initial Certificate
                                                  Principal Balance of the
Date of Pooling and Servicing                     Class R Certificates:
Agreement and Cut-off Date:                       $100.00
___________ 1, ____
                                                  Initial Certificate Principal
First Distribution Date:                          Balance of this Certificate:
_________ 25, ____                                $

Master Servicer:                                  Percentage Interest:
Residential Funding Corporation                                 %
                                                  --------------

Assumed Final Distribution Date:                  CUSIP 76110F-
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

        evidencing a percentage  interest in any distributions  allocable to the
        Class R Certificates with respect to the Trust Fund consisting primarily
        of a pool of conventional  one- to four-family fixed interest rate first
        mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

               This  certifies  that is the  registered  owner of the Percentage
Interest  evidenced  by this  Certificate  (obtained  by  dividing  the  Initial
Certificate  Principal  Balance of this  Certificate  by the  aggregate  Initial
Certificate  Principal  Balance of all Class R  Certificates,  both as specified
above) in  certain  distributions  with  respect  to the Trust  Fund  consisting
primarily of a pool of  conventional  one- to  four-family  fixed  interest rate
first  mortgage  loans (the  "Mortgage  Loans"),  formed and sold by Residential
Accredit Loans, Inc.  (hereinafter called the "Company," which term includes any
successor  entity  under the  Agreement  referred to below).  The Trust Fund was
created  pursuant to a Pooling and Servicing  Agreement dated as specified above
(the "Agreement") among the Company, the Master Servicer and __________________,
as trustee (the "Trustee"),  a summary of certain of the pertinent provisions of
which is set forth hereafter.  To the extent not defined herein, the capitalized
terms used herein have the meanings assigned in the Agreement.  This Certificate
is issued under and is subject to the terms,  provisions  and  conditions of the
Agreement,  to which  Agreement the Holder of this  Certificate by virtue of the
acceptance hereof assents and by which such Holder is bound.

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this  Certificate and the amount (of interest
and  principal,  if any)  required  to be  distributed  to  Holders  of  Class R
Certificates on such Distribution Date.

               Each Holder of this  Certificate will be deemed to have agreed to
be bound by the  restrictions  set forth in the Agreement to the effect that (i)
each person holding or acquiring any Ownership Interest in this Certificate must
be a United States Person and a Permitted  Transferee,  (ii) the transfer of any
Ownership  Interest in this Certificate will be conditioned upon the delivery to
the Trustee of,  among other  things,  an  affidavit  to the effect that it is a
United States Person and Permitted Transferee,  (iii) any attempted or purported
transfer of any  Ownership  Interest in this  Certificate  in  violation of such
restrictions  will be  absolutely  null and void and will  vest no rights in the
purported  transferee,  and (iv) if any person other than a United States Person
and a Permitted  Transferee  acquires any Ownership Interest in this Certificate
in violation of such restrictions,  then the Company will have the right, in its
sole  discretion and without notice to the Holder of this  Certificate,  to sell
this Certificate to a purchaser selected by the Company,  which purchaser may be
the Company,  or any affiliate of the Company,  on such terms and  conditions as
the Company may choose.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
distributions  allocable to principal and any Realized Losses allocable  hereto.
Notwithstanding  the reduction of the  Certificate  Principal  Balance hereof to
zero,  this  Certificate  will remain  outstanding  under the  Agreement and the
Holder hereof may have additional  obligations with respect to this Certificate,
including  tax   liabilities,   and  may  be  entitled  to  certain   additional
distributions  hereon,  in  accordance  with the  terms  and  provisions  of the
Agreement.
<PAGE>

               No transfer of this Class R  Certificate  will be made unless the
Trustee has received either (i) an opinion of counsel  acceptable to and in form
and substance  satisfactory to the Trustee,  the Company and the Master Servicer
with  respect  to  the  permissibility  of  such  transfer  under  the  Employee
Retirement Income Security Act of 1974, as amended  ("ERISA"),  and Section 4975
of the Internal Revenue Code (the "Code") and stating,  among other things, that
the  transferee's  acquisition  of a Class R Certificate  will not constitute or
result in a  non-exempt  prohibited  transaction  under  Section 406 of ERISA or
Section  4975 of the  Code  or  (ii) a  representation  letter,  in the  form as
described  by the  Agreement,  stating  that the  transferee  is not an employee
benefit or other plan subject to the prohibited  transaction provisions of ERISA
or  Section  4975 of the Code (a  "Plan"),  or any other  person  (including  an
investment manager, a named fiduciary or a trustee of any Plan) acting, directly
or indirectly,  on behalf of or purchasing any Certificate with "plan assets" of
any Plan.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.
<PAGE>

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Reference  is  hereby  made  to the  further  provisions  of this
Certificate set forth on the reverse hereof,  which further provisions shall for
all purpose have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [____________________________],
                                            as Trustee

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of  the  Class  R  Certificates  referred  to in the
within-mentioned Agreement.

                                            [----------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT E

                        FORM OF SELLER/SERVICER CONTRACT

        This  Seller/Servicer  Contract  (as  may be  amended,  supplemented  or
otherwise  modified from time to time, this "Contract") is made this day of , 20
, by and between  Residential  Funding  Corporation,  its successors and assigns
("Residential   Funding")  and  (the   "Seller/Servicer,"   and,  together  with
Residential Funding, the "parties" and each, individually, a "party").

        WHEREAS,  the  Seller/Servicer  desires to sell Loans to, and/or service
Loans for,  Residential  Funding,  and  Residential  Funding desires to purchase
Loans from the Seller/Servicer  and/or have the Seller/Servicer  service various
of its Loans, pursuant to the terms of this Contract and the Residential Funding
Seller  and  Servicer  Guides  incorporated  herein by  reference,  as  amended,
supplemented or otherwise modified, from time to time (together, the "Guides").

        NOW,  THEREFORE,  in  consideration  of the  premises,  and  the  terms,
conditions and agreements set forth below, the parties agree as follows:

1.      INCORPORATION OF GUIDES BY REFERENCE.

        The  Seller/Servicer  acknowledges  that it has  received  and  read the
Guides. All provisions of the Guides are incorporated by reference into and made
a part of this  Contract,  and  shall be  binding  upon the  parties;  provided,
however,  that the  Seller/Servicer  shall be  entitled  to sell Loans to and/or
service Loans for  Residential  Funding only if and for so long as it shall have
been authorized to do so by Residential  Funding in writing.  Specific reference
in this  Contract  to  particular  provisions  of the  Guides  and not to  other
provisions  does not mean that those  provisions of the Guides not  specifically
cited in this Contract are not applicable.  All terms used herein shall have the
same  meanings  as such terms have in the  Guides,  unless the  context  clearly
requires otherwise.

2.      AMENDMENTS.

        This Contract may not be amended or modified orally, and no provision of
this  Contract  may be waived or amended  except in writing  signed by the party
against whom  enforcement  is sought.  Such a written  waiver or amendment  must
expressly  reference this Contract.  However,  by their terms, the Guides may be
amended or  supplemented  by  Residential  Funding  from time to time.  Any such
amendment(s) to the Guides shall be binding upon the parties hereto.

3.      REPRESENTATIONS AND WARRANTIES.

a.      Reciprocal Representations and Warranties.

               The  Seller/Servicer  and Residential Funding each represents and
warrants to the other that as of the date of this Contract:
<PAGE>

(1)                   Each party is duly  organized,  validly  existing,  and in
                      good  standing  under  the  laws  of its  jurisdiction  of
                      organization,  is qualified,  if necessary, to do business
                      and in good standing in each  jurisdiction  in which it is
                      required to be so qualified,  and has the requisite  power
                      and  authority  to enter into this  Contract and all other
                      agreements  which are contemplated by this Contract and to
                      carry out its  obligations  hereunder and under the Guides
                      and under such other agreements.

(2)                   This  Contract  has been  duly  authorized,  executed  and
                      delivered  by each  party  and  constitutes  a  valid  and
                      legally  binding  agreement of each party  enforceable  in
                      accordance with its terms.

(3)                   There is no action, proceeding or investigation pending or
                      threatened,  and no basis  therefor  is  known  to  either
                      party,  that could  affect  the  validity  or  prospective
                      validity of this Contract.

(4)  Insofar as its capacity to carry out any obligation  under this Contract is
     concerned,  neither  party is in  violation  of any  charter,  articles  of
     incorporation,   bylaws,  mortgage,  indenture,  indebtedness,   agreement,
     instrument,  judgment,  decree, order, statute, rule or regulation and none
     of the  foregoing  adversely  affects  its  capacity  to fulfill any of its
     obligations under this Contract. Its execution of, and performance pursuant
     to, this Contract will not result in a violation of any of the foregoing.

b.      Seller/Servicer's Representations, Warranties and Covenants.

               In addition to the representations, warranties and covenants made
               by the  Seller/Servicer  pursuant  to  subparagraph  (a) of  this
               paragraph  3,  the  Seller/Servicer  makes  the  representations,
               warranties  and  covenants  set  forth in the  Guides  and,  upon
               request,  agrees to deliver to Residential  Funding the certified
               Resolution of Board of Directors  which  authorizes the execution
               and delivery of this Contract.

4.      REMEDIES OF RESIDENTIAL FUNDING.

        If an Event of Seller  Default  or an Event of  Servicer  Default  shall
occur,  Residential  Funding  may, at its option,  exercise one or more of those
remedies set forth in the Guides.

5.      SELLER/SERVICER'S STATUS AS INDEPENDENT CONTRACTOR.

        At no time shall the  Seller/Servicer  represent that it is acting as an
agent of Residential Funding. The Seller/Servicer shall, at all times, act as an
independent contractor.

6.      PRIOR AGREEMENTS SUPERSEDED.

        This Contract  restates,  amends and supersedes any and all prior Seller
Contracts or Servicer Contracts between the parties except that any subservicing
agreement  executed by the  Seller/Servicer in connection with any loan-security
exchange transaction shall not be affected.
<PAGE>

7.      ASSIGNMENT.

        This Contract may not be assigned or  transferred,  in whole or in part,
by the Seller/Servicer without the prior written consent of Residential Funding.
Residential  Funding may sell,  assign,  convey,  hypothecate,  pledge or in any
other way transfer,  in whole or in part, without restriction,  its rights under
this Contract and the Guides with respect to any Commitment or Loan.

8.      NOTICES.

        All notices,  requests,  demands or other  communications that are to be
given under this  Contract  shall be in writing,  addressed  to the  appropriate
parties and sent by  telefacsimile  or by overnight  courier or by United States
mail,  postage prepaid,  to the addresses and  telefacsimile  numbers  specified
below.  However,  another  name,  address  and/or  telefacsimile  number  may be
substituted  by  the  Seller/Servicer  pursuant  to  the  requirements  of  this
paragraph 8, or Residential Funding pursuant to an amendment to the Guides.

If to Residential  Funding,  notices must be sent to the appropriate  address or
telefacsimile number specified in the Guides.

If to the Seller/Servicer, notice must be sent to:

      Attention:___________________________________

      Telefacsimile Number:  (      )       -
                              ------  ------
9.      JURISDICTION AND VENUE.

        Each of the parties irrevocably submits to the jurisdiction of any state
or federal court located in Hennepin County, Minnesota, over any action, suit or
proceeding  to enforce or defend any right  under  this  Contract  or  otherwise
arising from any loan sale or servicing relationship existing in connection with
this  Contract,  and each of the parties  irrevocably  agrees that all claims in
respect of any such  action or  proceeding  may be heard or  determined  in such
state or federal court. Each of the parties irrevocably waives the defense of an
inconvenient  forum to the  maintenance of any such action or proceeding and any
other  substantive or procedural  rights or remedies it may have with respect to
the maintenance of any such action or proceeding in any such forum.  Each of the
parties agrees that a final  judgment in any such action or proceeding  shall be
conclusive and may be enforced in any other jurisdiction by suit on the judgment
or in any other manner  provided by law. Each of the parties  further agrees not
to institute  any legal  actions or  proceedings  against the other party or any
director,  officer,  employee,  attorney,  agent or property of the other party,
arising  out of or  relating  to  this  Contract  in any  court  other  than  as
hereinabove specified in this paragraph 9.
<PAGE>

10.     MISCELLANEOUS.

        This Contract, including all documents incorporated by reference herein,
constitutes the entire  understanding  between the parties hereto and supersedes
all other agreements, covenants, representations, warranties, understandings and
communications between the parties, whether written or oral, with respect to the
transactions  contemplated by this Contract.  All paragraph  headings  contained
herein  are for  convenience  only and  shall not be  construed  as part of this
Contract.  Any provision of this Contract that is prohibited or unenforceable in
any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of
such prohibition or unenforceability without invalidating the remaining portions
hereof or affecting  the  validity or  enforceability  of such  provision in any
other jurisdiction,  and, to this end, the provisions hereof are severable. This
Contract  shall be governed by, and construed  and enforced in accordance  with,
applicable federal laws and the laws of the State of Minnesota.

<PAGE>

        IN WITNESS WHEREOF,  the duly authorized officers of the Seller/Servicer
and Residential  Funding have executed this  Seller/Servicer  Contract as of the
date first above written.

ATTEST:                                 SELLER/SERVICER

[Corporate Seal]

                                                       (Name of Seller/Servicer)
By:                                     By:
   --------------------------------
      (Signature)                                        (Signature)
By:                                     By:
   --------------------------------
      (Typed Name)                                       (Typed Name)
Title:                                  Title:
      ------------------------------
======================================= ========================================

ATTEST:                                 RESIDENTIAL FUNDING CORPORATION
[Corporate Seal]

By:                                     By:
   --------------------------------
      (Signature)                                        (Signature)
By:                                     By:
   --------------------------------
      (Typed Name)                                       (Typed Name)
Title:                                  Title:
      ------------------------------

<PAGE>

                                    EXHIBIT F
                          FORMS OF REQUEST FOR RELEASE

DATE:

TO:

RE:            REQUEST FOR RELEASE OF DOCUMENTS

In connection with the  administration of the pool of Mortgage Loans held by you
for the  referenced  pool,  we request  the  release of the  Mortgage  Loan File
described below.

Pooling and Servicing Agreement Dated:
Series#:
Account#:
Pool#:
Loan#:
MIN#:
Borrower Name(s):
Reason for Document Request:      (circle one)

        Mortgage Loan Prepaid in Full              Mortgage Loan Repurchased

"We hereby  certify  that all amounts  received or to be received in  connection
with such  payments  which are required to be deposited  have been or will be so
deposited as provided in the Pooling and Servicing Agreement."

Residential Funding Corporation
Authorized Signature

******************************************************************************

TO  CUSTODIAN/TRUSTEE:  Please acknowledge this request, and check off documents
being  enclosed  with a copy of this form.  You should retain this form for your
files in accordance with the terms of the Pooling and Servicing Agreement.

Enclosed Documents:          [ ]  Promissory Note
                             [ ]  Primary Insurance Policy
                             [ ]  Mortgage or Deed of Trust
                             [ ] Assignment(s) of Mortgage or Deed of Trust
                             [ ]  Title Insurance Policy
                             [ ]  Other:

Name:
     ------------------------
Title:
      -----------------------
Date:
     ------------------------

<PAGE>

                                   EXHIBIT G-1

                    FORM OF TRANSFER AFFIDAVIT AND AGREEMENT

STATE OF                         )
                                 )    ss.:
COUNTY OF                        )
               [NAME OF OFFICER], being first duly sworn, deposes and says:

1. That he is [Title of Officer] of [Name of Owner] (record or beneficial  owner
of the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R
(the  "Owner")),  a  [savings  institution]  [corporation]  duly  organized  and
existing  under the laws of [the State  of__________ ] [the United  States],  on
behalf of which he makes this affidavit and agreement.

2. That the Owner (i) is not and will not be a "disqualified organization" or an
electing  large  partnership  as of [date of  transfer]  within  the  meaning of
Sections 860E(e)(5) and 775, respectively, of the Internal Revenue Code of 1986,
as amended (the "Code") or an electing large partnership under Section 775(a) of
the Code,  (ii) will endeavor to remain other than a  disqualified  organization
for so long as it retains its  ownership  interest in the Class R  Certificates,
and (iii) is acquiring the Class R  Certificates  for its own account or for the
account of another  Owner from which it has received an affidavit  and agreement
in  substantially  the same  form as this  affidavit  and  agreement.  (For this
purpose, a "disqualified organization" means an electing large partnership under
Section 775 of the Code, the United States,  any state or political  subdivision
thereof,  any agency or  instrumentality  of any of the foregoing (other than an
instrumentality  all of the  activities of which are subject to tax and,  except
for the Federal  Home Loan  Mortgage  Corporation,  a majority of whose board of
directors  is not  selected  by any such  governmental  entity)  or any  foreign
government,  international organization or any agency or instrumentality of such
foreign government or organization, any rural electric or telephone cooperative,
or any organization (other than certain farmers' cooperatives) that is generally
exempt from federal income tax unless such organization is subject to the tax on
unrelated business taxable income).

3. That the Owner is aware (i) of the tax that would be imposed on  transfers of
Class  R  Certificates   to   disqualified   organizations   or  electing  large
partnerships,  under  the  Code,  that  applies  to all  transfers  of  Class  R
Certificates after March 31, 1988; (ii) that such tax would be on the transferor
(or,  with  respect to transfers to electing  large  partnerships,  on each such
partnership),  or, if such transfer is through an agent (which person includes a
broker,  nominee or middleman)  for a disqualified  organization,  on the agent;
(iii) that the person  (other than with respect to  transfers to electing  large
partnerships)  otherwise  liable for the tax shall be relieved of liability  for
the tax if the  transferee  furnishes  to such  person  an  affidavit  that  the
transferee is not a disqualified organization and, at the time of transfer, such
person does not have actual knowledge that the affidavit is false; and (iv) that
the Class R Certificates  may be  "noneconomic  residual  interests"  within the
meaning of Treasury  regulations  promulgated  pursuant to the Code and that the
transferor of a noneconomic  residual  interest will remain liable for any taxes
due with respect to the income on such residual interest,  unless no significant
purpose of the transfer was to impede the assessment or collection of tax.
<PAGE>

4. That the Owner is aware of the tax imposed on a "pass-through entity" holding
Class R  Certificates  if either the  pass-through  entity is an electing  large
partnership  under  Section 775 of the if at any time during the taxable year of
the pass-through  entity a disqualified  organization is the record holder of an
interest in such entity.  (For this purpose,  a "pass through entity" includes a
regulated  investment  company,  a real estate  investment trust or common trust
fund, a partnership, trust or estate, and certain cooperatives.)

5. The Owner is either (i) a citizen or  resident of the United  States,  (ii) a
corporation,  partnership  or  other  entity  treated  as  a  corporation  or  a
partnership for U.S.  federal income tax purposes and created or organized in or
under the laws of the  United  States,  any state  thereof  or the  District  of
Columbia (other than a partnership that is not treated as a United States person
under any applicable Treasury regulations), (iii) an estate that is described in
Section 7701(a)(30)(D) of the Code, or (iv) a trust that is described in Section
7701(a)(30)(E) of the Code.

6. The  Owner  hereby  agrees  that it will not  cause  income  from the Class R
Certificates to be attributable to a foreign  permanent  establishment  or fixed
base  (within  the meaning of an  applicable  income tax treaty) of the Owner or
another United States taxpayer.

7. That the Owner is aware that the Trustee  will not  register  the transfer of
any Class R  Certificates  unless the  transferee,  or the  transferee's  agent,
delivers to it an affidavit and agreement,  among other things, in substantially
the same form as this affidavit and agreement.  The Owner expressly  agrees that
it will not consummate any such transfer if it knows or believes that any of the
representations contained in such affidavit and agreement are false.

8. That the Owner has  reviewed  the  restrictions  set forth on the face of the
Class R Certificates  and the  provisions of Section  5.02(f) of the Pooling and
Servicing  Agreement  under  which  the Class R  Certificates  were  issued  (in
particular,  clause (iii)(A) and (iii)(B) of Section 5.02(f) which authorize the
Trustee to deliver  payments  to a person  other than the Owner and  negotiate a
mandatory sale by the Trustee in the event the Owner holds such  Certificates in
violation of Section 5.02(f)).  The Owner expressly agrees to be bound by and to
comply with such restrictions and provisions.

9. That the Owner consents to any additional  restrictions or arrangements  that
shall be deemed  necessary  upon advice of counsel to  constitute  a  reasonable
arrangement to ensure that the Class R Certificates will only be owned, directly
or indirectly, by an Owner that is not a disqualified organization.

10.     The Owner's Taxpayer Identification Number is  ______________________.

11. This affidavit and agreement  relates only to the Class R Certificates  held
by the Owner and not to any other holder of the Class R Certificates.  The Owner
understands  that the  liabilities  described  herein relate only to the Class R
Certificates.
<PAGE>

12. That no purpose of the Owner  relating to the transfer of any of the Class R
Certificates  by the Owner is or will be to impede the  assessment or collection
of any tax; in making this representation,  the Owner warrants that the Owner is
familiar with (i) Treasury  Regulation Section 1.860E-1(c) and recent amendments
thereto,  effective as of July 19, 2002,  and (ii) the preamble  describing  the
adoption of the  amendments  to such  regulation,  which is  attached  hereto as
Exhibit 1.

13.  That the Owner has no  present  knowledge  or  expectation  that it will be
unable  to  pay  any  United  States  taxes  owed  by it so  long  as any of the
Certificates remain outstanding.  In this regard, the Owner hereby represents to
and for the benefit of the person from whom it acquired the Class R  Certificate
that the Owner  intends  to pay  taxes  associated  with  holding  such  Class R
Certificate  as they  become  due,  fully  understanding  that it may  incur tax
liabilities in excess of any cash flows generated by the Class R Certificate.

14. That the Owner has no present  knowledge or expectation  that it will become
insolvent or subject to a bankruptcy  proceeding for so long as any of the Class
R Certificates remain outstanding.

15. The  Purchaser is not an employee  benefit plan or other plan subject to the
prohibited transaction provisions of the Employee Retirement Income Security Act
of 1974, as amended  ("ERISA"),  or Section 4975 of the Internal Revenue Code of
1986, as amended (the "Code"),  or an investment  manager,  named fiduciary or a
trustee of any such plan, or any other Person acting, directly or indirectly, on
behalf of or purchasing any Certificate with "plan assets" of any such plan.

<PAGE>

               IN WITNESS  WHEREOF,  the Owner has caused this  instrument to be
executed on its behalf,  pursuant to the authority of its Board of Directors, by
its [Title of Officer] and its corporate seal to be hereunto attached,  attested
by its [Assistant] Secretary, this day of , 200 .

                                            [NAME OF OWNER]

                                            By:
                                               ---------------------------------
                                                 [Name of Officer]
                                                 [Title of Officer]
[Corporate Seal]

ATTEST:

[Assistant] Secretary

               Personally  appeared before me the above-named [Name of Officer],
known  or  proved  to me to be  the  same  person  who  executed  the  foregoing
instrument and to be the [Title of Officer] of the Owner, and acknowledged to me
that he executed  the same as his free act and deed and the free act and deed of
the Owner.

               Subscribed and sworn before me this  ____ day of  ___________,
200 ____

                                  NOTARY PUBLIC

                                            COUNTY OF
                                                     ---------------------------
                                            STATE OF
                                                    ----------------------------

                           My Commission  expires the _____ day of _____,20___.

<PAGE>

                                    EXHIBIT 1

DEPARTMENT OF THE TREASURY

Internal Revenue Service

26 CFR Parts 1 and 602

[TD 9004]
RIN 1545-AW98

Real Estate Mortgage Investment Conduits

AGENCY: Internal Revenue Service (IRS), Treasury.

ACTION: Final regulations.

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SUMMARY:  This  document  contains  final  regulations  relating  to safe harbor
transfers of noneconomic  residual interests in real estate mortgage  investment
conduits (REMICs).  The final regulations provide additional  limitations on the
circumstances under which transferors may claim safe harbor treatment.

DATES: Effective Date: These regulations are effective July 19, 2002.
    Applicability Date: For dates of applicability, see Sec. 1.860E-
(1)(c)(10).

FOR FURTHER INFORMATION CONTACT: Courtney Shepardson at (202) 622-3940
(not a toll-free number).

SUPPLEMENTARY INFORMATION:

Paperwork Reduction Act

    The  collection  of  information  in this final rule has been  reviewed and,
pending  receipt and  evaluation of public  comments,  approved by the Office of
Management  and Budget (OMB) under 44 U.S.C.  3507 and assigned  control  number
1545-1675.
    The  collection  of  information  in  this  regulation  is in  Sec.  1.860E-
1(c)(5)(ii).  This  information  is  required to enable the IRS to verify that a
taxpayer is complying with the conditions of this regulation.  The collection of
information  is mandatory  and is  required.  Otherwise,  the taxpayer  will not
receive the benefit of safe harbor treatment as provided in the regulation.  The
likely respondents are businesses and other for-profit institutions.
<PAGE>

    Comments on the  collection of  information  should be sent to the Office of
Management  and Budget,  Attn:  Desk Officer for the Department of the Treasury,
Office of Information and Regulatory Affairs, Washington, DC, 20503, with copies
to  the  Internal  Revenue  Service,   Attn:  IRS  Reports  Clearance   Officer,
W:CAR:MP:FP:S,  Washington,  DC 20224. Comments on the collection of information
should be received by September 17, 2002.  Comments are  specifically  requested
concerning:

    Whether  the   collection  of   information  is  necessary  for  the  proper
performance of the functions of the Internal Revenue Service,  including whether
the information will have practical utility;

    The accuracy of the estimated burden associated with the collection
of information (see below);

    How the quality, utility, and clarity of the information to be
collected may be enhanced;

    How the  burden of  complying  with the  collection  of  information  may be
minimized,  including through the application of automated collection techniques
or other forms of information technology; and

    Estimates of capital or start-up costs and costs of operation,  maintenance,
and purchase of service to provide information.

    An agency  may not  conduct  or  sponsor,  and a person is not  required  to
respond to, a  collection  of  information  unless it  displays a valid  control
number assigned by the Office of Management and Budget.

    The  estimated  total  annual  reporting  burden is 470  hours,  based on an
estimated  number of respondents  of 470 and an estimated  average annual burden
hours per respondent of one hour.

    Books or records relating to a collection of information must be retained as
long as their contents may become material in the administration of any internal
revenue law. Generally, tax returns and tax return information are confidential,
as required by 26 U.S.C. 6103.

Background

    This document contains final regulations  regarding the proposed  amendments
to 26 CFR part 1 under  section  860E of the Internal  Revenue Code (Code).  The
regulations  provide the circumstances under which a transferor of a noneconomic
REMIC  residual   interest   meeting  the   investigation   and   representation
requirements  may avail  itself  of the safe  harbor by  satisfying  either  the
formula test or the asset test.

    Final regulations  governing REMICs, issued in 1992, contain rules governing
the transfer of noneconomic REMIC residual interests.  In general, a transfer of
a  noneconomic  residual  interest  is  disregarded  for all tax  purposes  if a
significant purpose of the transfer is to

[[Page 47452]]

enable the  transferor to impede the  assessment or collection of tax. A purpose
to impede the assessment or collection of tax (a wrongful purpose) exists if the
transferor,  at the time of the transfer,  either knew or should have known that
the transferee would be unwilling or unable to pay taxes due on its share of the
REMIC's taxable income.

<PAGE>

    Under a safe harbor, the transferor of a REMIC noneconomic residual interest
is presumed not to have a wrongful  purpose if two  requirements  are satisfied:
(1) the  transferor  conducts a  reasonable  investigation  of the  transferee's
financial  condition  (the  investigation  requirement);  and (2) the transferor
secures a  representation  from the transferee to the effect that the transferee
understands the tax obligations  associated with holding a residual interest and
intends to pay those taxes (the representation requirement).

    The  IRS  and  Treasury  have  been  concerned  that  some   transferors  of
noneconomic  residual  interests  claim they  satisfy  the safe  harbor  even in
situations  where the economics of the transfer  clearly indicate the transferee
is unwilling or unable to pay the tax associated with holding the interest.  For
this reason,  on February 7, 2000, the IRS published in the Federal Register (65
FR 5807) a notice of proposed rulemaking (REG-100276-97; REG-122450-98) designed
to clarify the safe harbor by adding the "formula  test," an economic  test. The
proposed  regulation  provides  that the safe harbor is  unavailable  unless the
present value of the  anticipated  tax  liabilities  associated with holding the
residual  interest  does not  exceed the sum of:  (1) The  present  value of any
consideration  given to the transferee to acquire the interest;  (2) the present
value of the expected future distributions on the interest;  and (3) the present
value of the anticipated tax savings associated with holding the interest as the
REMIC generates losses.

    The notice of proposed  rulemaking also contained rules for FASITs.  Section
1.860H-6(g) of the proposed regulations  provides  requirements for transfers of
FASIT  ownership  interests  and adopts a safe harbor by  reference  to the safe
harbor provisions of the REMIC regulations.

    In January 2001, the IRS published Rev. Proc. 2001-12 (2001-3 I.R.B. 335) to
set forth an alternative  safe harbor that taxpayers could use while the IRS and
the  Treasury  considered  comments  on  the  proposed  regulations.  Under  the
alternative safe harbor, if a transferor meets the investigation requirement and
the representation  requirement but the transfer fails to meet the formula test,
the transferor  may invoke the safe harbor if the transferee  meets a two- prong
test (the asset test). A transferee generally meets the first prong of this test
if, at the time of the transfer, and in each of the two years preceding the year
of  transfer,  the  transferee's  gross  assets  exceed $100 million and its net
assets exceed $10 million. A transferee generally meets the second prong of this
test if it is a  domestic,  taxable  corporation  and agrees in  writing  not to
transfer  the  interest  to any person  other  than  another  domestic,  taxable
corporation that also satisfies the requirements of the asset test. A transferor
cannot rely on the asset test if the  transferor  knows,  or has reason to know,
that the  transferee  will not comply  with its written  agreement  to limit the
restrictions on subsequent transfers of the residual interest.

<PAGE>

    Rev. Proc. 2001-12 provides that the asset test fails to be satisfied in the
case of a transfer or assignment of a noneconomic residual interest to a foreign
branch of an otherwise  eligible  transferee.  If such a transfer or  assignment
were permitted,  a corporate taxpayer might seek to claim that the provisions of
an  applicable  income tax treaty  would  resource  excess  inclusion  income as
foreign  source  income,  and that,  as a  consequence,  any U.S. tax  liability
attributable  to the excess  inclusion  income  could be offset by  foreign  tax
credits.  Such a claim would impede the  assessment or collection of U.S. tax on
excess inclusion income,  contrary to the congressional purpose of assuring that
such income will be taxable in all events. See, e.g., sections 860E(a)(1),  (b),
(e) and 860G(b) of the Code.

    The Treasury and the IRS have  learned that certain  taxpayers  transferring
noneconomic residual interests to foreign branches have attempted to rely on the
formula  test to obtain  safe  harbor  treatment  in an  effort  to  impede  the
assessment or collection of U.S. tax on excess  inclusion  income.  Accordingly,
the  final  regulations  provide  that if a  noneconomic  residual  interest  is
transferred  to a  foreign  permanent  establishment  or  fixed  base  of a U.S.
taxpayer,  the transfer is not eligible for safe harbor  treatment  under either
the asset  test or the  formula  test.  The  final  regulations  also  require a
transferee  to  represent  that it will not cause  income  from the  noneconomic
residual  interest to be attributable to a foreign  permanent  establishment  or
fixed base.

    Section 1.860E-1(c)(8)  provides computational rules that a taxpayer may use
to  qualify  for  safe  harbor   status   under  the   formula   test.   Section
1.860E-1(c)(8)(i)  provides that the transferee is presumed to pay tax at a rate
equal to the highest rate of tax specified in section 11(b).  Some  commentators
were  concerned that this presumed rate of taxation was too high because it does
not take into  consideration  taxpayers  subject to the alternative  minimum tax
rate. In light of the comments received,  this provision has been amended in the
final regulations to allow certain transferees that compute their taxable income
using the alternative  minimum tax rate to use the alternative  minimum tax rate
applicable to corporations.

    Additionally,  Sec.  1.860E-1(c)(8)(iii) provides that the present values in
the  formula  test  are to be  computed  using  a  discount  rate  equal  to the
applicable  Federal  short-term  rate prescribed by section  1274(d).  This is a
change  from  the  proposed   regulation  and  Rev.  Proc.   2001-12.  In  those
publications  the  provision  stated that "present  values are computed  using a
discount rate equal to the applicable Federal rate prescribed in section 1274(d)
compounded  semiannually"  and that "[a] lower  discount rate may be used if the
transferee can demonstrate that it regularly borrows, in the course of its trade
or  business,  substantial  funds at such  lower  rate from an  unrelated  third
party." The IRS and the Treasury  Department  have learned  that,  based on this
provision,  certain taxpayers have been attempting to use unrealistically low or
zero interest rates to satisfy the formula test,  frustrating  the intent of the
test.  Furthermore,  the  Treasury  Department  and the IRS believe  that a rule
allowing  for a rate  other than a rate based on an  objective  index  would add
unnecessary complexity to the safe harbor. As a result, the rule in the proposed

<PAGE>

regulations  that  permits a transferee  to use a lower  discount  rate,  if the
transferee can demonstrate that it regularly  borrows  substantial funds at such
lower rate, is not included in the final regulations; and the Federal short-term
rate  has  been  substituted  for  the  applicable  Federal  rate.  To  simplify
taxpayers' computations, the final regulations allow use of any of the published
short-term  rates,  provided  that  the  present  values  are  computed  with  a
corresponding  period  of  compounding.  With the  exception  of the  provisions
relating to transfers to foreign  branches,  these  changes  generally  have the
proposed  applicability  date of February 4, 2000,  but  taxpayers may choose to
apply the interest  rate formula set forth in the proposed  regulation  and Rev.
Proc. 2001-12 for transfers occurring before August 19, 2002.

    It is anticipated that when final regulations are adopted with
respect to

[[Page 47453]]

FASITs,  Sec.  1.860H-6(g)  of the  proposed  regulations  will  be  adopted  in
substantially  its  present  form,  with the result  that the final  regulations
contained  in this  document  will  also  govern  transfers  of FASIT  ownership
interests with substantially the same applicability date as is contained in this
document.

Effect on Other Documents

    Rev. Proc. 2001-12 (2001-3 I.R.B. 335) is obsolete for transfers of
noneconomic residual interests in REMICs occurring on or after August
19, 2002.

Special Analyses

    It is hereby  certified that these  regulations  will not have a significant
economic impact on a substantial number of small entities. This certification is
based  on the  fact  that it is  unlikely  that a  substantial  number  of small
entities will hold REMIC residual interests. Therefore, a Regulatory Flexibility
Analysis  under  the  Regulatory  Flexibility  Act (5 U.S.C.  chapter  6) is not
required.  It  has  been  determined  that  this  Treasury  decision  is  not  a
significant regulatory action as defined in Executive Order 12866.  Therefore, a
regulatory assessment is not required. It also has been determined that sections
553(b) and 553(d) of the  Administrative  Procedure Act (5 U.S.C.  chapter 5) do
not apply to these regulations.
<PAGE>

Drafting Information

    The principal author of these regulations is Courtney  Shepardson.  However,
other  personnel  from the IRS and  Treasury  Department  participated  in their
development.

List of Subjects

26 CFR Part 1

    Income taxes, Reporting and record keeping requirements.

26 CFR Part 602

    Reporting and record keeping requirements.

Adoption of Amendments to the Regulations

    Accordingly, 26 CFR parts 1 and 602 are amended as follows:

PART 1--INCOME TAXES

    Paragraph 1. The authority  citation for part 1 continues to read in part as
follows:

    Authority: 26 U.S.C. 7805 * * *

<PAGE>

                                   EXHIBIT G-2

                         FORM OF TRANSFEROR CERTIFICATE

                                                  , 20
                                   ---------------    ----

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota  55437

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, Class R

Ladies and Gentlemen:

               This letter is delivered to you in  connection  with the transfer
by (the  "Seller")  to (the  "Purchaser")  of $  Initial  Certificate  Principal
Balance of Mortgage  Asset-Backed  Pass-Through  Certificates,  Series ____-___,
Class R (the  "Certificates"),  pursuant  to  Section  5.02 of the  Pooling  and
Servicing  Agreement  (the  "Pooling  and  Servicing  Agreement"),  dated  as of
___________  1, ____ among  Residential  Accredit  Loans,  Inc.,  as seller (the
"Company"),   Residential   Funding   Corporation,   as  master  servicer,   and
__________________,  as trustee (the  "Trustee").  All terms used herein and not
otherwise defined shall have the meanings set forth in the Pooling and Servicing
Agreement.  The  Seller  hereby  certifies,  represents  and  warrants  to,  and
covenants with, the Company and the Trustee that:

1. No purpose of the Seller  relating to the transfer of the  Certificate by the
Seller to the Purchaser is or will be to impede the  assessment or collection of
any tax.

2. The Seller  understands  that the  Purchaser has delivered to the Trustee and
the Master  Servicer a transfer  affidavit and agreement in the form attached to
the Pooling and Servicing  Agreement as Exhibit G-1. The Seller does not know or
believe that any representation contained therein is false.

3.  The  Seller  has  at  the  time  of  the  transfer  conducted  a  reasonable
investigation  of the financial  condition of the Purchaser as  contemplated  by
Treasury  Regulations  Section  1.860E-1(c)(4)(i)  and,  as  a  result  of  that
investigation,  the Seller has  determined  that the Purchaser has  historically
paid its debts as they  become  due and has  found no  significant  evidence  to
indicate  that the  Purchaser  will not continue to pay its debts as they become
due in the  future.  The  Seller  understands  that  the  transfer  of a Class R
Certificate  may not be respected for United States income tax purposes (and the
Seller may  continue  to be liable for United  States  income  taxes  associated
therewith) unless the Seller has conducted such an investigation.

4. The Seller has no actual knowledge that the proposed Transferee is not both a
United States Person and a Permitted Transferee.

                                Very truly yours,

                                            (Seller)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT H

                     FORM OF INVESTOR REPRESENTATION LETTER

                                      , 20

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

==================
------------------

Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN  55437

Attention:  Residential Funding Corporation Series ____-___

               RE:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, [Class B-]

Ladies and Gentlemen:

               (the  "Purchaser")  intends to  purchase  from (the  "Seller")  $
Initial  Certificate  Principal  Balance of Mortgage  Asset-Backed  Pass-Through
Certificates,  Series ____-___,  Class (the "Certificates"),  issued pursuant to
the Pooling and Servicing  Agreement  (the  "Pooling and Servicing  Agreement"),
dated as of  ___________  1, ____ among  Residential  Accredit  Loans,  Inc., as
seller (the "Company"), Residential Funding Corporation, as master servicer (the
"Master  Servicer"),  and  __________________,  as trustee (the "Trustee").  All
terms used herein and not otherwise defined shall have the meanings set forth in
the Pooling and Servicing Agreement. The Purchaser hereby certifies,  represents
and warrants to, and  covenants  with,  the Company,  the Trustee and the Master
Servicer that:

1.   The Purchaser  understands that (a) the Certificates have not been and will
     not be registered or qualified under the Securities Act of 1933, as amended
     (the "Act") or any state securities law, (b) the Company is not required to
     so register or qualify the Certificates, (c) the Certificates may be resold
     only if registered  and qualified  pursuant to the provisions of the Act or
     any state  securities  law, or if an exemption from such  registration  and
     qualification  is  available,  (d)  the  Pooling  and  Servicing  Agreement
     contains  restrictions  regarding the transfer of the  Certificates and (e)
     the Certificates will bear a legend to the foregoing effect.
<PAGE>

2.   The  Purchaser  is  acquiring  the  Certificates  for its own  account  for
     investment  only and not with a view to or for sale in connection  with any
     distribution  thereof  in any  manner  that  would  violate  the Act or any
     applicable state securities laws.

3.   The Purchaser is (a) a substantial,  sophisticated  institutional  investor
     having such  knowledge and  experience  in financial and business  matters,
     and, in particular,  in such matters  related to securities  similar to the
     Certificates, such that it is capable of evaluating the merits and risks of
     investment in the Certificates, (b) able to bear the economic risks of such
     an investment and (c) an "accredited  investor"  within the meaning of Rule
     501(a) promulgated pursuant to the Act.

4.   The Purchaser has been furnished with, and has had an opportunity to review
     (a) [a copy of the Private  Placement  Memorandum,  dated  ________,  20__,
     relating  to the  Certificates  (b)] a copy of the  Pooling  and  Servicing
     Agreement and [b] [c] such other  information  concerning the Certificates,
     the Mortgage  Loans and the Company as has been  requested by the Purchaser
     from the Company or the Seller and is relevant to the Purchaser's  decision
     to purchase the  Certificates.  The Purchaser has had any questions arising
     from such review answered by the Company or the Seller to the  satisfaction
     of the Purchaser.  [If the Purchaser did not purchase the Certificates from
     the Seller in connection with the initial  distribution of the Certificates
     and was  provided  with a copy of the  Private  Placement  Memorandum  (the
     "Memorandum")  relating to the original sale (the  "Original  Sale") of the
     Certificates  by  the  Company,   the  Purchaser   acknowledges  that  such
     Memorandum  was  provided  to it by the  Seller,  that the  Memorandum  was
     prepared by the Company solely for use in connection with the Original Sale
     and  the  Company  did  not  participate  in or  facilitate  in any way the
     purchase of the  Certificates  by the  Purchaser  from the Seller,  and the
     Purchaser  agrees  that it will look  solely to the  Seller  and not to the
     Company with respect to any damage, liability, claim or expense arising out
     of, resulting from or in connection with (a) error or omission,  or alleged
     error or omission,  contained in the  Memorandum,  or (b) any  information,
     development or event arising after the date of the Memorandum.]

5.   The  Purchaser  has not and  will  not  nor  has it  authorized  or will it
     authorize any person to (a) offer,  pledge,  sell,  dispose of or otherwise
     transfer  any  Certificate,  any interest in any  Certificate  or any other
     similar security to any person in any manner,  (b) solicit any offer to buy
     or to accept a pledge,  disposition of other  transfer of any  Certificate,
     any interest in any  Certificate  or any other  similar  security  from any
     person in any manner,  (c) otherwise  approach or negotiate with respect to
     any  Certificate,  any  interest in any  Certificate  or any other  similar
     security with any person in any manner,  (d) make any general  solicitation
     by means of  general  advertising  or in any  other  manner or (e) take any
     other action,  that (as to any of (a) through (e) above) would constitute a
     distribution  of any  Certificate  under the Act,  that  would  render  the
     disposition  of any  Certificate a violation of Section 5 of the Act or any
     state  securities law, or that would require  registration or qualification
     pursuant thereto.  The Purchaser will not sell or otherwise transfer any of
     the  Certificates,  except in compliance with the provisions of the Pooling
     and Servicing Agreement.
<PAGE>

6.      The Purchaser

(a)            is  not  an  employee  benefit  or  other  plan  subject  to  the
               prohibited  transaction  provisions  of the  Employee  Retirement
               Income  Security Act of 1974,  as amended  ("ERISA"),  or Section
               4975 of the Internal Revenue Code of 1986, as amended (a "Plan"),
               or any other person  (including  an investment  manager,  a named
               fiduciary  or  a  trustee  of  any  Plan)  acting,   directly  or
               indirectly, on behalf of or purchasing any Certificate with "plan
               assets" of any Plan within the meaning of the Department of Labor
               ("DOL") regulation at 29 C.F.R. ss.2510.3-101; or

(b)            is an insurance company,  the source of funds to be used by it to
               purchase  the  Certificates  is  an  "insurance  company  general
               account" (within the meaning of DOL Prohibited  Transaction Class
               Exemption  ("PTCE")  95-60),  and the  purchase  is being made in
               reliance upon the  availability of the exemptive  relief afforded
               under Sections I and III of PTCE 95-60.

        In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants  with, the Company,  the Trustee and the Master  Servicer that the
Purchaser will not transfer such  Certificates to any Plan or person unless such
Plan or person meets the requirements set forth in either 6(a) or (b) above.

                                Very truly yours,

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT I

                    FORM OF TRANSFEROR REPRESENTATION LETTER

                                                , 20
                                       ---------    --

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

==================
------------------

Attention: Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, [Class B-]

Ladies and Gentlemen:

               In   connection   with  the  sale  by  (the   "Seller")  to  (the
"Purchaser") of $ Initial Certificate Principal Balance of Mortgage Asset-Backed
Pass-Through Certificates,  Series ____-___, Class (the "Certificates"),  issued
pursuant to the Pooling and  Servicing  Agreement  (the  "Pooling and  Servicing
Agreement"),  dated as of ___________ 1, ____ among Residential  Accredit Loans,
Inc., as seller (the  "Company"),  Residential  Funding  Corporation,  as master
servicer, and __________________,  as trustee (the "Trustee"). The Seller hereby
certifies,  represents and warrants to, and covenants  with, the Company and the
Trustee that:

               Neither  the  Seller  nor  anyone  acting on its  behalf  has (a)
offered,  pledged,  sold, disposed of or otherwise  transferred any Certificate,
any interest in any  Certificate or any other similar  security to any person in
any  manner,  (b)  has  solicited  any  offer  to buy  or to  accept  a  pledge,
disposition  or  other  transfer  of  any  Certificate,   any  interest  in  any
Certificate or any other similar security from any person in any manner, (c) has
otherwise approached or negotiated with respect to any Certificate, any interest
in any Certificate or any other similar  security with any person in any manner,
(d) has made any general  solicitation by means of general advertising or in any
other manner, or (e) has taken any other action,  that (as to any of (a) through
(e)  above)  would  constitute  a  distribution  of the  Certificates  under the
Securities  Act of 1933 (the "Act"),  that would render the  disposition  of any
Certificate a violation of Section 5 of the Act or any state  securities law, or
that would require  registration or qualification  pursuant thereto.  The Seller
will not act, in any manner set forth in the foregoing  sentence with respect to
any Certificate.  The Seller has not and will not sell or otherwise transfer any
of the Certificates, except in compliance with the provisions of the Pooling and
Servicing Agreement.

                                Very truly yours,

                                            (Seller)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT J

                  [FORM OF RULE 144A INVESTMENT REPRESENTATION]

                          Description   of  Rule  144A   Securities,   including
numbers:

               The  undersigned  seller,  as registered  holder (the  "Seller"),
intends to transfer the Rule 144A Securities  described above to the undersigned
buyer (the "Buyer").

1. In  connection  with such  transfer  and in  accordance  with the  agreements
pursuant  to which the Rule 144A  Securities  were  issued,  the  Seller  hereby
certifies  the  following  facts:  Neither  the Seller nor anyone  acting on its
behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule
144A  Securities,  any interest in the Rule 144A Securities or any other similar
security to, or solicited any offer to buy or accept a transfer, pledge or other
disposition  of  the  Rule  144A  Securities,  any  interest  in the  Rule  144A
Securities  or any other  similar  security  from,  or otherwise  approached  or
negotiated  with respect to the Rule 144A  Securities,  any interest in the Rule
144A Securities or any other similar security with, any person in any manner, or
made any general  solicitation  by means of general  advertising or in any other
manner,  or taken any other action,  that would constitute a distribution of the
Rule 144A  Securities  under the  Securities  Act of 1933, as amended (the "1933
Act"),  or that  would  render the  disposition  of the Rule 144A  Securities  a
violation of Section 5 of the 1933 Act or require registration pursuant thereto,
and that the Seller has not offered the Rule 144A Securities to any person other
than the Buyer or  another  "qualified  institutional  buyer" as defined in Rule
144A under the 1933 Act.

2. The Buyer  warrants and represents  to, and covenants  with, the Seller,  the
Trustee  and the Master  Servicer  (as  defined  in the  Pooling  and  Servicing
Agreement (the  "Agreement"),  dated as of ___________ 1, ____ among Residential
Funding  Corporation as Master  Servicer,  Residential  Accredit Loans,  Inc. as
depositor pursuant to Section 5.02 of the Agreement and  __________________,  as
trustee, as follows:

(a)     The  Buyer  understands  that the  Rule  144A  Securities  have not been
        registered under the 1933 Act or the securities laws of any state.

(b)     The Buyer considers  itself a substantial,  sophisticated  institutional
        investor  having such knowledge and experience in financial and business
        matters  that it is  capable  of  evaluating  the  merits  and  risks of
        investment in the Rule 144A Securities.
<PAGE>

(c)     The Buyer has been  furnished  with all  information  regarding the Rule
        144A  Securities  that it has requested from the Seller,  the Trustee or
        the Servicer.

(d)  Neither the Buyer nor anyone acting on its behalf has offered, transferred,
     pledged,  sold or  otherwise  disposed  of the Rule  144A  Securities,  any
     interest in the Rule 144A  Securities or any other similar  security to, or
     solicited  any  offer  to  buy  or  accept  a  transfer,  pledge  or  other
     disposition  of the Rule 144A  Securities,  any  interest  in the Rule 144A
     Securities or any other similar  security from, or otherwise  approached or
     negotiated  with respect to the Rule 144A  Securities,  any interest in the
     Rule 144A Securities or any other similar  security with, any person in any
     manner, or made any general solicitation by means of general advertising or
     in any other  manner,  or taken any other action,  that would  constitute a
     distribution of the Rule 144A  Securities  under the 1933 Act or that would
     render the disposition of the Rule 144A Securities a violation of Section 5
     of the 1933 Act or require registration  pursuant thereto, nor will it act,
     nor has it  authorized  or will it  authorize  any  person to act,  in such
     manner with respect to the Rule 144A Securities.

(e)  The Buyer is a "qualified  institutional  buyer" as that term is defined in
     Rule  144A  under  the 1933 Act and has  completed  either  of the forms of
     certification  to that  effect  attached  hereto as Annex 1 or Annex 2. The
     Buyer is aware that the sale to it is being made in  reliance on Rule 144A.
     The Buyer is acquiring the Rule 144A  Securities for its own account or the
     accounts of other qualified  institutional  buyers,  understands  that such
     Rule 144A  Securities may be resold,  pledged or transferred  only (i) to a
     person  reasonably  believed  to be a  qualified  institutional  buyer that
     purchases   for  its  own  account  or  for  the  account  of  a  qualified
     institutional  buyer to whom  notice is given  that the  resale,  pledge or
     transfer  is being made in  reliance  on Rule  144A,  or (ii)  pursuant  to
     another exemption from registration under the 1933 Act.

               [3.    The Buyer

(a)     is not an  employee  benefit  or other plan  subject  to the  prohibited
        transaction provisions of the Employee Retirement Income Security Act of
        1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code
        of 1986,  as amended  (a  "Plan"),  or any other  person  (including  an
        investment  manager, a named fiduciary or a trustee of any Plan) acting,
        directly or indirectly,  on behalf of or purchasing any Certificate with
        "plan assets" of any Plan within the meaning of the  Department of Labor
        ("DOL") regulation at 29 C.F.R. ss. 2510.3-101; or

(b)     is an  insurance  company,  the  source  of  funds  to be  used by it to
        purchase the  Certificates  is an "insurance  company  general  account"
        (within  the  meaning  of DOL  Prohibited  Transaction  Class  Exemption
        ("PTCE")  95-60),  and the  purchase is being made in reliance  upon the
        availability  of the exemptive  relief afforded under Sections I and III
        of PTCE 95-60.]

               4. This document may be executed in one or more  counterparts and
        by the different parties hereto on separate counterparts, each of which,
        when so executed,  shall be deemed to be an original; such counterparts,
        together, shall constitute one and the same document.
<PAGE>

               IN  WITNESS  WHEREOF,  each  of the  parties  has  executed  this
document as of the date set forth below.

Print Name of Seller                              Print Name of Buyer
By:                                               By:
   ------------------------------------------
   Name:                                             Name:
   Title:                                            Title:
Taxpayer Identification                           Taxpayer Identification:
No.                                               No:
   ------------------------------------------
Date:                                             Date:
     ----------------------------------------

<PAGE>

                              ANNEX 1 TO EXHIBIT J

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

             [For Buyers Other Than Registered Investment Companies]

               The  undersigned  hereby  certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:

1. As  indicated  below,  the  undersigned  is the  President,  Chief  Financial
Officer, Senior Vice President or other executive officer of the Buyer.

2. In  connection  with  purchases  by the  Buyer,  the  Buyer  is a  "qualified
institutional  buyer" as that term is defined in Rule 144A under the  Securities
Act of 1933  ("Rule  144A")  because (i) the Buyer  owned  and/or  invested on a
discretionary basis $ in securities (except for the excluded securities referred
to below) as of the end of the  Buyer's  most recent  fiscal  year (such  amount
being  calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the
criteria in the category marked below.

--   Corporation,  etc. The Buyer is a corporation  (other than a bank,  savings
     and loan  association  or similar  institution),  Massachusetts  or similar
     business  trust,  partnership,  or  charitable  organization  described  in
     Section 501(c)(3) of the Internal Revenue Code.

--   Bank.  The Buyer (a) is a national  bank or banking  institution  organized
     under the laws of any State,  territory or the  District of  Columbia,  the
     business of which is substantially confined to banking and is supervised by
     the State or  territorial  banking  commission or similar  official or is a
     foreign bank or equivalent institution, and (b) has an audited net worth of
     at  least  $25,000,000  as  demonstrated  in its  latest  annual  financial
     statements, a copy of which is attached hereto.

--   Savings and Loan. The Buyer (a) is a savings and loan association, building
     and loan association,  cooperative bank,  homestead  association or similar
     institution,  which  is  supervised  and  examined  by a State  or  Federal
     authority  having  supervision  over any such  institutions or is a foreign
     savings  and loan  association  or  equivalent  institution  and (b) has an
     audited net worth of at least  $25,000,000  as  demonstrated  in its latest
     annual financial statements.

--   Broker-Dealer.  The Buyer is a dealer registered  pursuant to Section 15 of
     the Securities Exchange Act of 1934.

--   Insurance  Company.  The Buyer is an insurance  company  whose  primary and
     predominant business activity is the writing of insurance or the reinsuring
     of risks  underwritten  by  insurance  companies  and which is  subject  to
     supervision by the insurance  commissioner or a similar  official or agency
     of a State or territory or the District of Columbia.
<PAGE>

--   State or Local Plan.  The Buyer is a plan  established  and maintained by a
     State, its political subdivisions,  or any agency or instrumentality of the
     State or its political subdivisions, for the benefit of its employees.

--   ERISA  Plan.  The Buyer is an employee  benefit  plan within the meaning of
     Title I of the Employee Retirement Income Security Act of 1974.

--   Investment Adviser. The Buyer is an investment adviser registered under the
     Investment Advisers Act of 1940.

--   SBIC. The Buyer is a Small Business Investment Company licensed by the U.S.
     Small  Business  Administration  under  Section  301(c) or (d) of the Small
     Business Investment Act of 1958.

--   Business  Development  Company. The Buyer is a business development company
     as defined in Section 202(a)(22) of the Investment Advisers Act of 1940.

--   Trust  Fund.  The Buyer is a trust  fund  whose  trustee is a bank or trust
     company and whose  participants  are exclusively (a) plans  established and
     maintained  by a  State,  its  political  subdivisions,  or any  agency  or
     instrumentality of the State or its political subdivisions, for the benefit
     of its employees, or (b) employee benefit plans within the meaning of Title
     I of the Employee  Retirement  Income  Security  Act of 1974,  but is not a
     trust fund that includes as participants  individual retirement accounts or
     H.R. 10 plans.

3. The term  "securities"  as used herein does not  include  (i)  securities  of
issuers that are affiliated with the Buyer,  (ii) securities that are part of an
unsold  allotment  to or  subscription  by the Buyer,  if the Buyer is a dealer,
(iii) bank deposit notes and certificates of deposit,  (iv) loan participations,
(v) repurchase  agreements,  (vi)  securities  owned but subject to a repurchase
agreement and (vii) currency, interest rate and commodity swaps.

4. For purposes of determining the aggregate  amount of securities  owned and/or
invested on a discretionary  basis by the Buyer, the Buyer used the cost of such
securities to the Buyer and did not include any of the securities referred to in
the preceding  paragraph.  Further,  in determining such aggregate  amount,  the
Buyer may have included  securities owned by subsidiaries of the Buyer, but only
if such subsidiaries are consolidated with the Buyer in its financial statements
prepared in accordance with generally accepted accounting  principles and if the
investments  of such  subsidiaries  are  managed  under the  Buyer's  direction.
However,  such  securities  were not included if the Buyer is a  majority-owned,
consolidated  subsidiary  of  another  enterprise  and the Buyer is not itself a
reporting company under the Securities Exchange Act of 1934.

5. The Buyer  acknowledges  that it is familiar  with Rule 144A and  understands
that the seller to it and other parties related to the  Certificates are relying
and will  continue to rely on the  statements  made  herein  because one or more
sales to the Buyer may be in reliance on Rule 144A.
<PAGE>

                           Will the Buyer be purchasing the Rule 144A
Yes           No           Securities only for the Buyer's own account?

6. If the answer to the  foregoing  question is "no",  the Buyer agrees that, in
connection  with any purchase of securities sold to the Buyer for the account of
a third party  (including  any separate  account) in reliance on Rule 144A,  the
Buyer will only  purchase for the account of a third party that at the time is a
"qualified  institutional  buyer"  within the meaning of Rule 144A. In addition,
the Buyer agrees that the Buyer will not purchase  securities  for a third party
unless the Buyer has  obtained a current  representation  letter from such third
party or taken other  appropriate  steps  contemplated  by Rule 144A to conclude
that  such  third  party   independently  meets  the  definition  of  "qualified
institutional buyer" set forth in Rule 144A.

7. The Buyer will notify each of the parties to which this certification is made
of any changes in the information and conclusions  herein.  Until such notice is
given,   the  Buyer's  purchase  of  Rule  144A  Securities  will  constitute  a
reaffirmation of this certification as of the date of such purchase.

                               Print Name of Buyer

                                            By:
                                                 -------------------------------
                                      Name:
                                     Title:

                                            Date:
                                                 -------------------------------

<PAGE>

                              ANNEX 2 TO EXHIBIT J

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

              [For Buyers That Are Registered Investment Companies]

               The  undersigned  hereby  certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:

8. As indicated below, the undersigned is the President, Chief Financial Officer
or  Senior  Vice  President  of the  Buyer  or,  if the  Buyer  is a  "qualified
institutional  buyer" as that term is defined in Rule 144A under the  Securities
Act of 1933  ("Rule  144A")  because  Buyer  is part of a Family  of  Investment
Companies (as defined below), is such an officer of the Adviser.

9.  In  connection   with  purchases  by  Buyer,   the  Buyer  is  a  "qualified
institutional  buyer" as  defined in SEC Rule 144A  because  (i) the Buyer is an
investment company registered under the Investment Company Act of 1940, and (ii)
as marked below, the Buyer alone, or the Buyer's Family of Investment Companies,
owned at least  $100,000,000 in securities  (other than the excluded  securities
referred to below) as of the end of the Buyer's  most recent  fiscal  year.  For
purposes  of  determining  the  amount of  securities  owned by the Buyer or the
Buyer's Family of Investment Companies, the cost of such securities was used.

--             The  Buyer  owned  $  in  securities  (other  than  the  excluded
               securities  referred to below) as of the end of the Buyer's  most
               recent  fiscal year (such amount being  calculated  in accordance
               with Rule 144A).

--             The Buyer is part of a Family of Investment Companies which owned
               in  the  aggregate  $ in  securities  (other  than  the  excluded
               securities  referred to below) as of the end of the Buyer's  most
               recent  fiscal year (such amount being  calculated  in accordance
               with Rule 144A).

10. The term "Family of  Investment  Companies" as used herein means two or more
registered   investment  companies  (or  series  thereof)  that  have  the  same
investment  adviser or  investment  advisers that are  affiliated  (by virtue of
being majority owned  subsidiaries  of the same parent or because one investment
adviser is a majority owned subsidiary of the other).

11. The term  "securities"  as used herein does not  include (i)  securities  of
issuers that are affiliated  with the Buyer or are part of the Buyer's Family of
Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii)
loan  participations,  (iv)  repurchase  agreements,  (v)  securities  owned but
subject to a repurchase agreement and (vi) currency, interest rate and commodity
swaps.

12.  The  Buyer is  familiar  with Rule  144A and  understands  that each of the
parties to which this  certification  is made are relying  and will  continue to
rely on the  statements  made herein because one or more sales to the Buyer will
be in reliance on Rule 144A.  In addition,  the Buyer will only purchase for the
Buyer's own account.
<PAGE>

13. The undersigned will notify each of the parties to which this  certification
is made of any changes in the  information and  conclusions  herein.  Until such
notice,  the  Buyer's  purchase  of  Rule  144A  Securities  will  constitute  a
reaffirmation  of this  certification  by the undersigned as of the date of such
purchase.

                               Print Name of Buyer

                                            By:
                                                 -------------------------------
                                                 Name:
                                                      --------------------------
                                                 Title:
                                                       -------------------------

                                            IF AN ADVISER:

                               Print Name of Buyer

                                            Date:
                                                 -------------------------------

<PAGE>

                                    EXHIBIT K

                   [TEXT OF AMENDMENT TO POOLING AND SERVICING
                  AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A
                                LIMITED GUARANTY]

                                   ARTICLE XII

             Subordinate Certificate Loss Coverage; Limited Guaranty

               Section 12.01.  Subordinate  Certificate  Loss Coverage;  Limited
Guaranty.  (a) Subject to subsection (c) below,  prior to the later of the third
Business Day prior to each Distribution Date or the related  Determination Date,
the Master  Servicer  shall  determine  whether it or any  Sub-Servicer  will be
entitled to any  reimbursement  pursuant to Section 4.02(a) on such Distribution
Date for Advances or Sub-Servicer  Advances  previously made, (which will not be
Advances or Sub-Servicer  Advances that were made with respect to  delinquencies
which were  subsequently  determined to be Excess Special Hazard Losses,  Excess
Fraud Losses,  Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the
Master Servicer shall demand payment from Residential Funding of an amount equal
to the amount of any Advances or Sub-Servicer  Advances  reimbursed  pursuant to
Section 4.02(a),  to the extent such Advances or Sub-Servicer  Advances have not
been included in the amount of the Realized Loss in the related  Mortgage  Loan,
and  shall  distribute  the same to the Class B  Certificateholders  in the same
manner as if such amount were to be distributed pursuant to Section 4.02(a).

               (b) Subject to  subsection  (c) below,  prior to the later of the
third Business Day prior to each Distribution Date or the related  Determination
Date, the Master  Servicer shall  determine  whether any Realized  Losses (other
than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses
and Extraordinary  Losses) will be allocated to the Class B Certificates on such
Distribution  Date  pursuant to Section  4.05,  and, if so, the Master  Servicer
shall demand  payment from  Residential  Funding of the amount of such  Realized
Loss and shall distribute the same to the Class B Certificateholders in the same
manner as if such amount  were to be  distributed  pursuant to Section  4.02(a);
provided, however, that the amount of such demand in respect of any Distribution
Date shall in no event be greater than the sum of (i) the  additional  amount of
Accrued  Certificate  Interest  that  would  have  been  paid  for  the  Class B
Certificateholders  on such  Distribution  Date had such Realized Loss or Losses
not occurred plus (ii) the amount of the reduction in the Certificate  Principal
Balances  of the  Class B  Certificates  on such  Distribution  Date due to such
Realized  Loss or Losses.  Notwithstanding  such payment,  such Realized  Losses
shall be deemed to have been borne by the  Certificateholders  for  purposes  of
Section  4.05.  Excess  Special  Hazard  Losses,  Excess  Fraud  Losses,  Excess
Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates
will not be covered by the Subordinate Certificate Loss Obligation.

               (c) Demands for payments  pursuant to this Section  shall be made
prior to the later of the third Business Day prior to each  Distribution Date or
the  related  Determination  Date by the Master  Servicer  with  written  notice
thereof to the Trustee.  The maximum  amount that  Residential  Funding shall be
required to pay pursuant to this Section on any  Distribution  Date (the "Amount

<PAGE>

Available")  shall  be  equal  to the  lesser  of (X)  minus  the sum of (i) all
previous  payments made under  subsections (a) and (b) hereof and (ii) all draws
under the Limited  Guaranty made in lieu of such payments as described  below in
subsection (d) and (Y) the then outstanding  Certificate  Principal  Balances of
the Class B Certificates, or such lower amount as may be established pursuant to
Section 12.02.  Residential  Funding's  obligations as described in this Section
are referred to herein as the "Subordinate Certificate Loss Obligation."

               (d) The Trustee will promptly  notify General  Motors  Acceptance
Corporation of any failure of Residential Funding to make any payments hereunder
and  shall  demand  payment  pursuant  to the  limited  guaranty  (the  "Limited
Guaranty"),  executed by General Motors Acceptance  Corporation,  of Residential
Funding's  obligation  to make payments  pursuant to this Section,  in an amount
equal to the lesser of (i) the Amount Available and (ii) such required payments,
by  delivering to General  Motors  Acceptance  Corporation a written  demand for
payment by wire  transfer,  not later than the second  Business Day prior to the
Distribution Date for such month, with a copy to the Master Servicer.

               (e) All payments  made by  Residential  Funding  pursuant to this
Section or amounts paid under the Limited  Guaranty shall be deposited  directly
in the Certificate  Account,  for distribution on the Distribution Date for such
month to the Class B Certificateholders.

               (f) The Company shall have the option, in its sole discretion, to
substitute  for  either  or  both of the  Limited  Guaranty  or the  Subordinate
Certificate  Loss  Obligation  another  instrument  in the  form of a  corporate
guaranty,  an irrevocable  letter of credit, a surety bond,  insurance policy or
similar  instrument  or a reserve fund;  provided  that (i) the Company  obtains
(subject to the provisions of Section 10.01(f) as if the Company was substituted
for the Master Servicer solely for the purposes of such provision) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
obtaining such  substitute  corporate  guaranty,  irrevocable  letter of credit,
surety bond,  insurance  policy or similar  instrument  or reserve fund will not
cause  either (a) any  federal  tax to be imposed on the Trust  Fund,  including
without limitation,  any federal tax imposed on "prohibited  transactions" under
Section  860(F)(a)(1) of the Code or on  "contributions  after the startup date"
under Section  860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify
as a REMIC at any time that any  Certificate  is  outstanding,  and (ii) no such
substitution  shall  be made  unless  (A) the  substitute  Limited  Guaranty  or
Subordinate  Certificate  Loss Obligation is for an initial amount not less than
the then  current  Amount  Available  and  contains  provisions  that are in all
material  respects  equivalent to the original  Limited  Guaranty or Subordinate
Certificate   Loss   Obligation   (including   that  no  portion  of  the  fees,
reimbursements  or other  obligations under any such instrument will be borne by
the Trust  Fund),  (B) the long  term debt  obligations  of any  obligor  of any
substitute  Limited Guaranty or Subordinate  Certificate Loss Obligation (if not
supported by the Limited Guaranty) shall be rated at least the lesser of (a) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation  as of the date of  issuance  of the  Limited  Guaranty  and (b) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation at the date of such substitution and (C) the Company obtains written
confirmation from each nationally recognized credit rating agency that rated the
Class B Certificates at the request of the Company that such substitution  shall
not lower the  rating on the Class B  Certificates  below the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating

<PAGE>

agency. Any replacement of the Limited Guaranty or Subordinate  Certificate Loss
Obligation pursuant to this Section shall be accompanied by a written Opinion of
Counsel to the substitute guarantor or obligor, addressed to the Master Servicer
and the Trustee, that such substitute instrument  constitutes a legal, valid and
binding  obligation  of the  substitute  guarantor  or obligor,  enforceable  in
accordance  with its terms,  and  concerning  such  other  matters as the Master
Servicer and the Trustee  shall  reasonably  request.  Neither the Company,  the
Master  Servicer nor the Trustee shall be obligated to substitute for or replace
the Limited  Guaranty  or  Subordinate  Certificate  Loss  Obligation  under any
circumstance.

               Section  12.02.  Amendments  Relating  to the  Limited  Guaranty.
Notwithstanding  Sections 11.01 or 12.01: (i) the provisions of this Article XII
may be amended,  superseded or deleted, (ii) the Limited Guaranty or Subordinate
Certificate Loss Obligation may be amended,  reduced or canceled,  and (iii) any
other  provision of this Agreement which is related or incidental to the matters
described  in this  Article  XII may be amended in any  manner;  in each case by
written  instrument  executed or  consented  to by the  Company and  Residential
Funding but without the consent of any Certificateholder and without the consent
of the Master  Servicer or the Trustee being required  unless any such amendment
would impose any  additional  obligation on, or otherwise  adversely  affect the
interests of, the Master Servicer or the Trustee,  as applicable;  provided that
the Company shall also obtain a letter from each  nationally  recognized  credit
rating agency that rated the Class B Certificates  at the request of the Company
to the effect that such amendment,  reduction, deletion or cancellation will not
lower  the  rating  on the  Class B  Certificates  below  the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating
agency, unless (A) the Holder of 100% of the Class B Certificates is Residential
Funding  or  an  Affiliate  of  Residential  Funding,  or  (B)  such  amendment,
reduction,  deletion or cancellation is made in accordance with Section 11.01(e)
and,  provided  further that the Company  obtains  (subject to the provisions of
Section  10.01(f)  as if the  Company was  substituted  for the Master  Servicer
solely for the purposes of such provision),  in the case of a material amendment
or  supercession  (but not a reduction,  cancellation or deletion of the Limited
Guaranty or the Subordinate Certificate Loss Obligation),  an Opinion of Counsel
(which  need not be an opinion of  Independent  counsel)  to the effect that any
such amendment or  supercession  will not cause either (a) any federal tax to be
imposed on the Trust Fund, including without limitation, any federal tax imposed
on  "prohibited  transactions"  under  Section  860F(a)(1)  of  the  Code  or on
"contributions  after the startup date" under Section  860G(d)(1) of the Code or
(b) the  Trust  Fund to  fail  to  qualify  as a  REMIC  at any  time  that  any
Certificate is outstanding.  A copy of any such instrument  shall be provided to
the Trustee and the Master  Servicer  together  with an Opinion of Counsel  that
such amendment complies with this Section 12.02.

<PAGE>

                                    EXHIBIT L

                           [FORM OF LIMITED GUARANTY]

                                LIMITED GUARANTY

                        RESIDENTIAL ACCREDIT LOANS, INC.

                 Mortgage Asset-Backed Pass-Through Certificates
                                 Series ____-___

                                                            , 200
                                                ------------     ----

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

Ladies and Gentlemen:

               WHEREAS,  Residential Funding Corporation, a Delaware corporation
("Residential  Funding"),  an indirect wholly-owned subsidiary of General Motors
Acceptance Corporation,  a New York corporation ("GMAC"), plans to incur certain
obligations  as  described  under  Section  12.01 of the Pooling  and  Servicing
Agreement  dated as of ___________ 1, ____ (the  "Servicing  Agreement"),  among
Residential  Accredit  Loans,  Inc.  (the  "Company"),  Residential  Funding and
__________________ (the "Trustee") as amended by Amendment No. thereto, dated as
of , with respect to the Mortgage Asset-Backed Pass-Through Certificates, Series
____-___ (the "Certificates"); and

               WHEREAS,  pursuant to Section 12.01 of the  Servicing  Agreement,
Residential  Funding  agrees  to make  payments  to the  Holders  of the Class B
Certificates  with respect to certain  losses on the Mortgage Loans as described
in the Servicing Agreement; and

               WHEREAS,  GMAC desires to provide certain assurances with respect
to the ability of Residential  Funding to secure sufficient funds and faithfully
to perform its Subordinate Certificate Loss Obligation;

               NOW THEREFORE,  in consideration of the premises herein contained
and  certain  other good and  valuable  consideration,  the  receipt of which is
hereby acknowledged, GMAC agrees as follows:

1.  Provision  of  Funds.  (a) GMAC  agrees to  contribute  and  deposit  in the
Certificate  Account on behalf of Residential  Funding (or otherwise  provide to
Residential  Funding, or to cause to be made available to Residential  Funding),
either  directly  or  through a  subsidiary,  in any case  prior to the  related
Distribution  Date,  such moneys as may be required  by  Residential  Funding to
perform its Subordinate  Certificate Loss Obligation when and as the same arises
from time to time upon the demand of the  Trustee  in  accordance  with  Section
12.01 of the Servicing Agreement.

<PAGE>

               (b) The agreement set forth in the preceding  clause (a) shall be
absolute,  irrevocable  and  unconditional  and  shall  not be  affected  by the
transfer by GMAC or any other person of all or any part of its or their interest
in Residential  Funding,  by any  insolvency,  bankruptcy,  dissolution or other
proceeding affecting  Residential Funding or any other person, by any defense or
right of  counterclaim,  set-off  or  recoupment  that  GMAC  may  have  against
Residential  Funding or any other  person or by any other fact or  circumstance.
Notwithstanding  the  foregoing,  GMAC's  obligations  under  clause  (a)  shall
terminate  upon  the  earlier  of (x)  substitution  for this  Limited  Guaranty
pursuant to Section 12.01(f) of the Servicing Agreement,  or (y) the termination
of the Trust Fund pursuant to the Servicing Agreement.

2. Waiver.  GMAC hereby  waives any failure or delay on the part of  Residential
Funding, the Trustee or any other person in asserting or enforcing any rights or
in making any claims or demands hereunder.  Any defective or partial exercise of
any such rights shall not preclude any other or further  exercise of that or any
other such right.  GMAC further waives demand,  presentment,  notice of default,
protest, notice of acceptance and any other notices with respect to this Limited
Guaranty,  including,  without  limitation,  those of action or nonaction on the
part of Residential Funding or the Trustee.

3.  Modification,  Amendment  and  Termination.  This  Limited  Guaranty  may be
modified,  amended or terminated  only by the written  agreement of GMAC and the
Trustee and only if such  modification,  amendment or  termination  is permitted
under Section 12.02 of the Servicing  Agreement.  The  obligations of GMAC under
this  Limited  Guaranty  shall  continue  and  remain  in  effect so long as the
Servicing  Agreement is not modified or amended in any way that might affect the
obligations  of GMAC under  this  Limited  Guaranty  without  the prior  written
consent of GMAC.

4.  Successor.  Except as otherwise  expressly  provided  herein,  the guarantee
herein set forth shall be binding upon GMAC and its respective successors.

5.  Governing  Law. This Limited  Guaranty  shall be governed by the laws of the
State of New York.

6.  Authorization  and Reliance.  GMAC  understands  that a copy of this Limited
Guaranty  shall be delivered to the Trustee in connection  with the execution of
Amendment  No. 1 to the  Servicing  Agreement  and GMAC  hereby  authorizes  the
Company  and the  Trustee  to rely on the  covenants  and  agreements  set forth
herein.

7.  Definitions.  Capitalized  terms used but not otherwise defined herein shall
have the meaning given them in the Servicing Agreement.

8.  Counterparts.  This  Limited  Guaranty  may be  executed  in any  number  of
counterparts,  each  of  which  shall  be  deemed  to be an  original  and  such
counterparts shall constitute but one and the same instrument.
<PAGE>

               IN WITNESS  WHEREOF,  GMAC has caused this Limited Guaranty to be
executed and delivered by its respective  officers  thereunto duly authorized as
of the day and year first above written.

                                            GENERAL MOTORS ACCEPTANCE
                                            CORPORATION

                                            By:
                                               --------------------------------
                                            Name:
                                                 ------------------------------
                                            Title:
                                                  -----------------------------

Acknowledged by:

------------------,
    as Trustee

By:
   ------------------------------------------------
Name:
     ----------------------------------------------
Title:
      ---------------------------------------------

RESIDENTIAL ACCREDIT LOANS, INC.

By:
   ------------------------------------------------
Name:
     ----------------------------------------------
Title:
      ---------------------------------------------

<PAGE>

                                    EXHIBIT M

          FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN

                                                            , 20
                                                   ---------    --------

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota  55437

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates, Series
                                                                       -------
                      ____-___ Assignment of Mortgage Loan

Ladies and Gentlemen:

     This letter is delivered to you in connection  with the  assignment by (the
"Trustee")  to (the  "Lender")  of (the  "Mortgage  Loan")  pursuant  to Section
3.13(d) of the Pooling and  Servicing  Agreement  (the  "Pooling  and  Servicing
Agreement"),  dated as of ___________ 1, ____ among Residential  Accredit Loans,
Inc., as seller (the  "Company"),  Residential  Funding  Corporation,  as master
servicer, and the Trustee. All terms used herein and not otherwise defined shall
have the meanings set forth in the Pooling and Servicing  Agreement.  The Lender
hereby  certifies,  represents  and warrants to, and covenants  with, the Master
Servicer and the Trustee that:

(i) the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction
in which an  assignment  in lieu of  satisfaction  is required to preserve  lien
priority,  minimize or avoid mortgage  recording taxes or otherwise comply with,
or facilitate a refinancing under, the laws of such jurisdiction;

(ii) the substance of the assignment is, and is intended to be, a refinancing of
such Mortgage Loan and the form of the  transaction is solely to comply with, or
facilitate the transaction under, such local laws;

(iii) the Mortgage Loan  following the proposed  assignment  will be modified to
have a rate of  interest  at least  0.25  percent  below  or  above  the rate of
interest on such Mortgage Loan prior to such proposed assignment; and

(iv) such  assignment  is at the  request  of the  borrower  under  the  related
     Mortgage Loan.

                                Very truly yours,

                                            (Lender)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                               1

                                    EXHIBIT N

                          FORM OF REQUEST FOR EXCHANGE

                                             [DATE]

==================
------------------

               Re:    Residential Accredit Loans, Inc.,
                      Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___

               Residential Funding Corporation,  as the Holder of a % Percentage
Interest of the [Interest Only/Class A-V][-1] Certificates,  hereby requests the
Trustee  to  exchange  the  above-referenced  Certificates  for  the  Subclasses
referred to below:

1.   [Interest  Only/Class  A-V]-  Certificates,  corresponding to the following
     Uncertificated REMIC Regular Interests:  [List numbers corresponding to the
     related  loans and Pool Strip Rates from the Mortgage Loan  Schedule].  The
     initial Subclass  Notional Amount and the Initial  Pass-Through Rate on the
     [Interest Only/Class A-V]- Certificates will be $ and %, respectively.

2.      [Repeat as appropriate.]

               The  Subclasses  requested  above will represent in the aggregate
all of the Uncertificated  REMIC Regular Interests  represented by the [Interest
Only/Class A-V][-1] Certificates surrendered for exchange.

               All capitalized  terms used but not defined herein shall have the
meanings  set  forth  in  the  Pooling  and  Servicing  Agreement,  dated  as of
___________ 1, ____, among Residential Accredit Loans, Inc., Residential Funding
Corporation and __________________, as trustee.

                                            RESIDENTIAL FUNDING CORPORATION

                                            By:
                                               ---------------------------------
                                            Name:
                                            Title:

<PAGE>

<PAGE>

                                  EXHIBIT FIVE

                         Form of Form 10-K Certification

        I, [identify the certifying individual], certify that:

        1. I have  reviewed  the annual  report on Form 10-K for the fiscal year
[____], and all reports on Form 8-K containing distribution or servicing reports
filed in respect of periods  included in the year covered by that annual report,
of the trust (the  "Trust")  created  pursuant  to the Series  Supplement  dated
___________________  to the Standard  Terms of Pooling and  Servicing  Agreement
dated  ____________________  (together,  the "P&S Agreement")  among Residential
Accredit Loans,  Inc. (the  "Company"),  Residential  Funding  Corporation  (the
"Master Servicer") and [Name of Trustee] (the "Trustee");

        2. Based on my knowledge,  the information in these reports,  taken as a
whole, does not contain any untrue statement of a material fact or omit to state
a  material  fact  necessary  to make  the  statements  made,  in  light  of the
circumstances  under which such  statements  were made, not misleading as of the
last day of the period covered by that annual report;

     3. Based on my knowledge, the servicing information required to be provided
to the Trustee by the Master  Servicer  under the P&S  Agreement  is included in
these reports;

        4. I am responsible for reviewing the activities performed by the Master
Servicer  under the P&S Agreement and based upon the review  required  under the
P&S Agreement,  and, except as disclosed in the report,  the Master Servicer has
fulfilled its obligations under the P&S Agreement; and

        5. I have disclosed to the Company's  certified  public  accountants all
significant  deficiencies  relating to the Master Servicer's compliance with the
minimum servicing  standards in accordance with a review conducted in compliance
with the Uniform Single Attestation Program for Mortgage Bankers as set forth in
the P&S Agreement.

Date:_______________________

____________________________*
Name:
Title:

*    to be signed by the senior officer in charge of the servicing  functions of
     the Master Servicer

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