Document:

Exhibit 4.2

<PAGE>

                         SUBSEQUENT TRANSFER INSTRUMENT

         Pursuant to this Subsequent Transfer Instrument, dated November 28,
2001 (the "Instrument"), between Option One Mortgage Acceptance Corporation as
seller (the "Depositor"), and Wells Fargo Bank Minnesota, N.A. as trustee of the
Option One Mortgage Loan Trust 2001-4 Asset-Backed Certificates, Series 2001-4,
as purchaser (the "Trustee"), and pursuant to the Pooling and Servicing
Agreement, dated as of October 1, 2001 (the "Pooling and Servicing Agreement"),
among the Depositor as depositor, Option One Mortgage Corporation as master
servicer and the Trustee as trustee, the Depositor and the Trustee agree to the
sale by the Depositor and the purchase by the Trustee in trust, on behalf of the
Trust, of the Mortgage Loans listed on the attached Schedule of Mortgage Loans
(the "Subsequent Mortgage Loans").

         Capitalized terms used but not otherwise defined herein shall have the
meanings set forth in the Pooling and Servicing Agreement.

         Section 1.   Conveyance of Subsequent Mortgage Loans.
                      ---------------------------------------

         (a) The Depositor does hereby sell, transfer, assign, set over and
convey to the Trustee in trust, on behalf of the Trust, without recourse, all of
its right, title and interest in and to the Subsequent Mortgage Loans, and
including all amounts due on the Subsequent Mortgage Loans after the related
Subsequent Cut-off Date, and all items with respect to the Subsequent Mortgage
Loans to be delivered pursuant to Section 2.01 of the Pooling and Servicing
Agreement; provided, however that the Depositor reserves and retains all right,
title and interest in and to amounts due on the Subsequent Mortgage Loans on or
prior to the related Subsequent Cut-off Date. The Depositor, contemporaneously
with the delivery of this Agreement, has delivered or caused to be delivered to
the Trustee each item set forth in Section 2.01 of the Pooling and Servicing
Agreement. The transfer to the Trustee by the Depositor of the Subsequent
Mortgage Loans identified on the Subsequent Mortgage Loan Schedule shall be
absolute and is intended by the Depositor, the Master Servicer, the Trustee and
the Certificateholders to constitute and to be treated as a sale by the
Depositor to the Trust Fund.

         (b) The Depositor, concurrently with the execution and delivery hereof,
does hereby transfer, assign, set over and otherwise convey to the Trustee
without recourse for the benefit of the Certificateholders all the right, title
and interest of the Depositor, in, to and under (i) the Subsequent Mortgage Loan
Purchase Agreements, dated November 28, 2001, among Option One Owner Trust
2001-1B and Option One Owner Trust 2001-2, as applicable, as sellers, Option One
Mortgage Corporation ("Option One") and the Depositor as purchaser and (ii) the
Subsequent Mortgage Loan Purchase Agreement, dated November 28, 2001, between
Option One as seller and the Depositor as purchaser, to the extent of the
Subsequent Mortgage Loans.

         (c) Additional terms of the sale are set forth on Attachment A hereto.

         Section 2.   Representations and Warranties; Conditions Precedent.
                      ----------------------------------------------------

         (a) The Depositor hereby confirms that each of the conditions precedent
and the representations and warranties set forth in Section 2.08 of the Pooling
and Servicing Agreement are satisfied as of the date hereof.

         (b) All terms and conditions of the Pooling and Servicing Agreement are
hereby ratified and confirmed; provided, however, that in the event of any
conflict, the provisions of this Instrument shall control over the conflicting
provisions of the Pooling and Servicing Agreement.

<PAGE>

         Section 3.   Recordation of Instrument.
                      -------------------------

         To the extent permitted by applicable law, this Instrument, or a
memorandum thereof if permitted under applicable law, is subject to recordation
in all appropriate public offices for real property records in all of the
counties or other comparable jurisdictions in which any or all of the properties
subject to the Mortgages are situated, and in any other appropriate public
recording office or elsewhere, such recordation to be effected by the Master
Servicer at the Certificateholders' expense on direction of the related
Certificateholders, but only when accompanied by an Opinion of Counsel to the
effect that such recordation materially and beneficially affects the interests
of the Certificateholders or is necessary for the administration or servicing of
the Subsequent Mortgage Loans.

         Section 4.   Governing Law.
                      -------------

         This Instrument shall be construed in accordance with the laws of the
State of New York and the obligations, rights and remedies of the parties
hereunder shall be determined in accordance with such laws, without giving
effect to principles of conflicts of law.

         Section 5.   Counterparts.
                      ------------

         This Instrument 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 instrument.

         Section 6.  Successors and Assigns.
                     ----------------------

         This Instrument shall inure to the benefit of and be binding upon the
Depositor and the Trustee and their respective successors and assigns.

<PAGE>

                                   OPTION ONE MORTGAGE ACCEPTANCE
                                   CORPORATION

                                   By: /s/ David S. Wells
                                      -----------------------
                                   Name: David. S. Wells
                                   Title: Assistant Secretary

                                   WELLS FARGO BANK MINNESOTA,
                                   N.A., as Trustee for Option One Mortgage
                                   Loan Trust 2001-4, Asset-Backed Certificates,
                                   Series 2001-4

                                   By:/s/ Amy Doyle
                                      ----------------------------
                                   Name: Amy Doyle
                                   Title: Assistant Vice President

Attachments
-----------
A.       Additional terms of sale.
B.       Schedule of Subsequent Mortgage Loans.

<PAGE>

                                  ATTACHMENT A
                                  ------------

                            ADDITIONAL TERMS OF SALE

         A.       General

                  1.       Subsequent Cut-off Date: November 1, 2001
                  2.       Subsequent Transfer Date:     November 28, 2001
                  3.       Aggregate Principal Balance of the Subsequent
                           Mortgage Loans as of the Subsequent Cut-off Date:
                           $90,626,694.77
                  4.       Purchase Price: 100.00%

         B. The following representations and warranties with respect to each
Subsequent Mortgage Loan determined as of the applicable Subsequent Cut-off
Date: (i) such Subsequent Mortgage Loan may not be 30 or more days delinquent as
of the last day of the month preceding the Subsequent Cut-off Date; (ii) the
original term to stated maturity of such Subsequent Mortgage Loan will not be
less than 120 months and will not exceed 360 months; (iii) the Subsequent
Mortgage Loan may not provide for negative amortization; (iv) such Subsequent
Mortgage Loan will not have a loan-to-value ratio greater than 100.00%; (v) such
Subsequent Mortgage Loans will have, as of the Subsequent Cut-off Date, a
weighted average term since origination not in excess of 12 months; (vi) such
Subsequent Mortgage Loan, if a Fixed Rate Mortgage Loan, shall have a Mortgage
Rate that is not less than 5.000% per annum or greater than 15.000% per annum;
(vii) such Subsequent Mortgage Loan shall have been serviced by the Master
Servicer since origination or the date of purchase; (viii) such Subsequent
Mortgage Loan must have a first payment date occurring on or before February 1,
2002; (ix) if the Subsequent Mortgage Loan is an Adjustable Rate Mortgage Loan,
the Subsequent Mortgage Loan will have a Gross Margin not less than 2.000% per
annum; (x) if the Subsequent Mortgage Loan is an Adjustable Rate Mortgage Loan,
the Subsequent Mortgage Loan will have a Maximum Mortgage Rate not less than
11.000% per annum; (xi) if the Subsequent Mortgage Loan is an Adjustable Rate
Mortgage Loan, the Subsequent Mortgage Loan will have a Minimum Mortgage Rate
not less than 5.000% per annum and (xii) such Subsequent Mortgage Loan shall
have been underwritten in accordance with the criteria set forth under "Option
One Mortgage Corporation--Underwriting Standards" in the Prospectus Supplement.

         C. Following the purchase of any Subsequent Mortgage Loan by the Trust,
the Mortgage Loans (including such Subsequent Mortgage Loans) will as of the
Subsequent Cut-off Date: (i) have a weighted average original term to stated
maturity of not more than 360 months; (ii) have a weighted average Mortgage Rate
of not less than 8.850% per annum and not more than 9.100% per annum; (iii) have
a weighted average Loan-to-Value Ratio of not more than 79.00%; (iv) have no
Mortgage Loan with a principal balance in excess of $1,000,000; (v) will consist
of Mortgage Loans covered by the PMI Policy representing no less than 71.00% of
the Pool Balance; (v) will consist of Mortgage Loans with Prepayment Charges
representing no less than 81.00% of the Pool Balance and (vi) have no more than
20.00% of Fixed Rate Mortgage Loans by aggregate principal balance of the
Mortgage Loans as of the Subsequent Cut-off Date. In addition, the Adjustable
Rate Mortgage Loans will as of the Subsequent Cut-off Date have a weighted
average Gross Margin not less than 5.400% by aggregate principal balance of the
Adjustable Rate Mortgage Loans as of the Subsequent Cut-off Date.

<PAGE>

         D. Notwithstanding the foregoing, any Subsequent Mortgage Loan may be
rejected by (i) the NIMS Insurer or (ii) either Rating Agency if the inclusion
of any such Subsequent Mortgage Loan would adversely affect the ratings of any
Class of Certificates.

<PAGE>

                                  ATTACHMENT B
                                  ------------

                      SCHEDULE OF SUBSEQUENT MORTGAGE LOANS

                                [FILED BY PAPER]

<PAGE>

                         SUBSEQUENT TRANSFER INSTRUMENT

         Pursuant to this Subsequent Transfer Instrument, dated December 21,
2001 (the "Instrument"), between Option One Mortgage Acceptance Corporation as
seller (the "Depositor"), and Wells Fargo Bank Minnesota, N.A. as trustee of the
Option One Mortgage Loan Trust 2001-4 Asset-Backed Certificates, Series 2001-4,
as purchaser (the "Trustee"), and pursuant to the Pooling and Servicing
Agreement, dated as of October 1, 2001 (the "Pooling and Servicing Agreement"),
among the Depositor as depositor, Option One Mortgage Corporation as master
servicer and the Trustee as trustee, the Depositor and the Trustee agree to the
sale by the Depositor and the purchase by the Trustee in trust, on behalf of the
Trust, of the Mortgage Loans listed on the attached Schedule of Mortgage Loans
(the "Subsequent Mortgage Loans").

         Capitalized terms used but not otherwise defined herein shall have the
meanings set forth in the Pooling and Servicing Agreement.

         Section 1.   Conveyance of Subsequent Mortgage Loans.
                      ---------------------------------------

         (a) The Depositor does hereby sell, transfer, assign, set over and
convey to the Trustee in trust, on behalf of the Trust, without recourse, all of
its right, title and interest in and to the Subsequent Mortgage Loans, and
including all amounts due on the Subsequent Mortgage Loans after the related
Subsequent Cut-off Date, and all items with respect to the Subsequent Mortgage
Loans to be delivered pursuant to Section 2.01 of the Pooling and Servicing
Agreement; provided, however that the Depositor reserves and retains all right,
title and interest in and to amounts due on the Subsequent Mortgage Loans on or
prior to the related Subsequent Cut-off Date. The Depositor, contemporaneously
with the delivery of this Agreement, has delivered or caused to be delivered to
the Trustee each item set forth in Section 2.01 of the Pooling and Servicing
Agreement. The transfer to the Trustee by the Depositor of the Subsequent
Mortgage Loans identified on the Subsequent Mortgage Loan Schedule shall be
absolute and is intended by the Depositor, the Master Servicer, the Trustee and
the Certificateholders to constitute and to be treated as a sale by the
Depositor to the Trust Fund.

         (b) The Depositor, concurrently with the execution and delivery hereof,
does hereby transfer, assign, set over and otherwise convey to the Trustee
without recourse for the benefit of the Certificateholders all the right, title
and interest of the Depositor, in, to and under (i) the Subsequent Mortgage Loan
Purchase Agreement, dated December 21, 2001, among Option One Owner Trust
2001-1B, as seller, Option One Mortgage Corporation ("Option One") and the
Depositor as purchaser and (ii) the Subsequent Mortgage Loan Purchase Agreement,
dated December 21, 2001, between Option One as seller and the Depositor as
purchaser, to the extent of the Subsequent Mortgage Loans.

         (c) Additional terms of the sale are set forth on Attachment A hereto.

         Section 2.   Representations and Warranties; Conditions Precedent.
                      ----------------------------------------------------

         (a) The Depositor hereby confirms that each of the conditions precedent
and the representations and warranties set forth in Section 2.08 of the Pooling
and Servicing Agreement are satisfied as of the date hereof.

         (b) All terms and conditions of the Pooling and Servicing Agreement are
hereby ratified and confirmed; provided, however, that in the event of any
conflict, the provisions of this Instrument shall control over the conflicting
provisions of the Pooling and Servicing Agreement.

<PAGE>

         Section 3.   Recordation of Instrument.
                      -------------------------

         To the extent permitted by applicable law, this Instrument, or a
memorandum thereof if permitted under applicable law, is subject to recordation
in all appropriate public offices for real property records in all of the
counties or other comparable jurisdictions in which any or all of the properties
subject to the Mortgages are situated, and in any other appropriate public
recording office or elsewhere, such recordation to be effected by the Master
Servicer at the Certificateholders' expense on direction of the related
Certificateholders, but only when accompanied by an Opinion of Counsel to the
effect that such recordation materially and beneficially affects the interests
of the Certificateholders or is necessary for the administration or servicing of
the Subsequent Mortgage Loans.

         Section 4.   Governing Law.
                      -------------

         This Instrument shall be construed in accordance with the laws of the
State of New York and the obligations, rights and remedies of the parties
hereunder shall be determined in accordance with such laws, without giving
effect to principles of conflicts of law.

         Section 5.   Counterparts.
                      ------------

         This Instrument 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 instrument.

         Section 6.  Successors and Assigns.
                     ----------------------

         This Instrument shall inure to the benefit of and be binding upon the
Depositor and the Trustee and their respective successors and assigns.

<PAGE>

                                 OPTION ONE MORTGAGE ACCEPTANCE
                                 CORPORATION

                                 By: /s/ David S. Wells
                                    --------------------------------------------
                                 Name: David. S. Wells
                                 Title: Assistant Secretary

                                 WELLS FARGO BANK MINNESOTA,
                                 N.A., as Trustee for Option One Mortgage
                                 Loan Trust 2001-4, Asset-Backed Certificates,
                                 Series 2001-4

                                 By:/s/ Amy Doyle
                                    --------------------------------------------
                                 Name: Amy Doyle
                                 Title: Assistant Vice President

Attachments
-----------
A.       Additional terms of sale.
B.       Schedule of Subsequent Mortgage Loans.

<PAGE>

                                  ATTACHMENT A
                                  ------------

                            ADDITIONAL TERMS OF SALE

         A.       General

                  1.       Subsequent Cut-off Date: December 1, 2001
                  2.       Subsequent Transfer Date:     December 21, 2001
                  3.       Aggregate Principal Balance of the Subsequent
                           Mortgage Loans as of the Subsequent Cut-off Date:
                           $21,282,957.53
                  4.       Purchase Price: 100.00%

         B. The following representations and warranties with respect to each
Subsequent Mortgage Loan determined as of the applicable Subsequent Cut-off
Date: (i) such Subsequent Mortgage Loan may not be 30 or more days delinquent as
of the last day of the month preceding the Subsequent Cut-off Date; (ii) the
original term to stated maturity of such Subsequent Mortgage Loan will not be
less than 120 months and will not exceed 360 months; (iii) the Subsequent
Mortgage Loan may not provide for negative amortization; (iv) such Subsequent
Mortgage Loan will not have a loan-to-value ratio greater than 100.00%; (v) such
Subsequent Mortgage Loans will have, as of the Subsequent Cut-off Date, a
weighted average term since origination not in excess of 12 months; (vi) such
Subsequent Mortgage Loan, if a Fixed Rate Mortgage Loan, shall have a Mortgage
Rate that is not less than 5.000% per annum or greater than 15.000% per annum;
(vii) such Subsequent Mortgage Loan shall have been serviced by the Master
Servicer since origination or the date of purchase; (viii) such Subsequent
Mortgage Loan must have a first payment date occurring on or before February 1,
2002; (ix) if the Subsequent Mortgage Loan is an Adjustable Rate Mortgage Loan,
the Subsequent Mortgage Loan will have a Gross Margin not less than 2.000% per
annum; (x) if the Subsequent Mortgage Loan is an Adjustable Rate Mortgage Loan,
the Subsequent Mortgage Loan will have a Maximum Mortgage Rate not less than
11.000% per annum; (xi) if the Subsequent Mortgage Loan is an Adjustable Rate
Mortgage Loan, the Subsequent Mortgage Loan will have a Minimum Mortgage Rate
not less than 5.000% per annum and (xii) such Subsequent Mortgage Loan shall
have been underwritten in accordance with the criteria set forth under "Option
One Mortgage Corporation--Underwriting Standards" in the Prospectus Supplement.

         C. Following the purchase of any Subsequent Mortgage Loan by the Trust,
the Mortgage Loans (including such Subsequent Mortgage Loans) will as of the
Subsequent Cut-off Date: (i) have a weighted average original term to stated
maturity of not more than 360 months; (ii) have a weighted average Mortgage Rate
of not less than 8.850% per annum and not more than 9.100% per annum; (iii) have
a weighted average Loan-to-Value Ratio of not more than 79.00%; (iv) have no
Mortgage Loan with a principal balance in excess of $1,000,000; (v) will consist
of Mortgage Loans covered by the PMI Policy representing no less than 71.00% of
the Pool Balance; (v) will consist of Mortgage Loans with Prepayment Charges
representing no less than 81.00% of the Pool Balance and (vi) have no more than
20.00% of Fixed Rate Mortgage Loans by aggregate principal balance of the
Mortgage Loans as of the Subsequent Cut-off Date. In addition, the Adjustable
Rate Mortgage Loans will as of the Subsequent Cut-off Date have a weighted
average Gross Margin not less than 5.400% by aggregate principal balance of the
Adjustable Rate Mortgage Loans as of the Subsequent Cut-off Date.

<PAGE>

         D. Notwithstanding the foregoing, any Subsequent Mortgage Loan may be
rejected by (i) the NIMS Insurer or (ii) either Rating Agency if the inclusion
of any such Subsequent Mortgage Loan would adversely affect the ratings of any
Class of Certificates.

<PAGE>

                                  ATTACHMENT B
                                  ------------

                      SCHEDULE OF SUBSEQUENT MORTGAGE LOANS

                                [FILED BY PAPER]Exhibit 4.2

<PAGE>

                         SUBSEQUENT TRANSFER INSTRUMENT

                  Pursuant to this Subsequent Transfer Instrument, dated
December 21, 2001 (the "Instrument"), between Ameriquest Mortgage Securities
Inc. as seller (the "Depositor") and Bankers Trust Company of California, N.A.
as trustee (the "Trustee") of the Ameriquest Mortgage Securities Inc., Floating
Rate Mortgage Pass-Through Certificates, Series 2001-3, and pursuant to the
Pooling and Servicing Agreement, dated as of November 1, 2001 (the "Pooling and
Servicing Agreement"), among the Depositor as depositor, Ameriquest Mortgage
Company as master servicer and the Trustee as trustee, the Depositor and the
Trustee agree to the sale by the Depositor and the purchase by the Trustee on
behalf of the Trust Fund, of the Mortgage Loans listed on the attached Schedule
of Mortgage Loans (the "Subsequent Mortgage Loans").

                  Capitalized terms used but not otherwise defined herein shall
have the meanings set forth in the Pooling and Servicing Agreement.

                  Section 1.        Conveyance of Subsequent Mortgage Loans.
                                    ---------------------------------------

                  (a) The Depositor does hereby sell, transfer, assign, set over
and convey to the Trustee on behalf of the Trust Fund, without recourse, all of
its right, title and interest in and to the Subsequent Mortgage Loans, and
including all amounts due on the Subsequent Mortgage Loans after the related
Subsequent Cut-off Date, and all items with respect to the Subsequent Mortgage
Loans to be delivered pursuant to Section 2.01 of the Pooling and Servicing
Agreement; provided, however that the Depositor reserves and retains all right,
title and interest in and to amounts due on the Subsequent Mortgage Loans on or
prior to the related Subsequent Cut-off Date. The Depositor, contemporaneously
with the delivery of this Agreement, has delivered or caused to be delivered to
the Trustee each item set forth in Section 2.01 of the Pooling and Servicing
Agreement. The transfer to the Trustee by the Depositor of the Subsequent
Mortgage Loans identified on the Mortgage Loan Schedule shall be absolute and is
intended by the Depositor, the Master Servicer, the Trustee and the
Certificateholders to constitute and to be treated as a sale by the Depositor to
the Trust Fund.

                  (b) The Depositor, concurrently with the execution and
delivery hereof, does hereby transfer, assign, set over and otherwise convey to
the Trustee without recourse for the benefit of the Certificateholders all the
right, title and interest of the Depositor, in, to and under the Subsequent
Mortgage Loan Purchase Agreement, dated the date hereof, between the Depositor
as purchaser and the Master Servicer as originator and as seller, to the extent
of the Subsequent Mortgage Loans.

                  (c) Additional terms of the sale are set forth on Attachment A
hereto.

         Section 2.        Representations and Warranties; Conditions Precedent.
                           ----------------------------------------------------

                  (a) The Depositor hereby confirms that each of the conditions
precedent and the representations and warranties set forth in Section 2.10 of
the Pooling and Servicing Agreement are satisfied as of the date hereof.

<PAGE>

                  (b) All terms and conditions of the Pooling and Servicing
Agreement are hereby ratified and confirmed; provided, however, that in the
event of any conflict, the provisions of this Instrument shall control over the
conflicting provisions of the Pooling and Servicing Agreement.

                  Section 3.        Recordation of Instrument.
                                    -------------------------

                  To the extent permitted by applicable law, this Instrument, or
a memorandum thereof if permitted under applicable law, is subject to
recordation in all appropriate public offices for real property records in all
of the counties or other comparable jurisdictions in which any or all of the
properties subject to the Mortgages are situated, and in any other appropriate
public recording office or elsewhere, such recordation to be effected by the
Master Servicer at the Certificateholders' expense on direction of the related
Certificateholders, but only when accompanied by an Opinion of Counsel to the
effect that such recordation materially and beneficially affects the interests
of the Certificateholders or is necessary for the administration or servicing of
the Mortgage Loans.

                  Section 4.        Governing Law.
                                    -------------

                  This Instrument shall be construed in accordance with the laws
of the State of New York and the obligations, rights and remedies of the parties
hereunder shall be determined in accordance with such laws, without giving
effect to principles of conflicts of law.

                  Section 5.        Counterparts.
                                    ------------

                  This Instrument 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 instrument.

<PAGE>

                  Section 6.         Successors and Assigns.
                                     ----------------------

                  This Instrument shall inure to the benefit of and be binding
upon the Depositor and the Trustee and their respective successors and assigns.

                                           AMERIQUEST MORTGAGE SECURITIES INC.

                                           By: /s/ John P. Grazer
                                               -------------------------------
                                           Name: John P. Grazer
                                           Title: Chief Financial Officer

                                           BANKERS TRUST COMPANY OF
                                           CALIFORNIA, N.A.,
                                           as Trustee

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

ATTACHMENTS

A.       Additional terms of sale.
B.       Schedule of Subsequent Mortgage Loans.

<PAGE>

                                  ATTACHMENT A
                                  ------------

+                            ADDITIONAL TERMS OF SALE

         A.       General

                  1.       Subsequent Cut-off Date: December 1, 2001
                  2.       Subsequent Transfer Date: December 21, 2001
                  3.       Aggregate Principal Balance of the Subsequent
                           Mortgage Loans as of the Subsequent Cut-off Date:
                           $19,558,754
                  4.       Purchase Price: 100.00%

         B. The following representations and warranties with respect to each
Subsequent Mortgage Loan determined as of the Subsequent Cut-off Date is true
and correct: (i) the Subsequent Mortgage Loan may not be 30 or more days
delinquent as of the related Subsequent Cut-off Date; (ii) the term to stated
maturity of the Subsequent Mortgage Loan will not be less than 180 months and
will not exceed 360 months from its first payment date; (iii) the Subsequent
Mortgage Loan may not provide for negative amortization; (iv) the Subsequent
Mortgage Loan will not have a Loan-to-Value Ratio greater than 95.00%; (v) the
Subsequent Mortgage Loans will have, as of the Subsequent Cut-off Date, a
weighted average term since origination not in excess of 6 months; (vi) no
Subsequent Mortgage Loan shall have a Mortgage Rate less than 6.30% or greater
than 13.10%; (vii) the Subsequent Mortgage Loan shall have been serviced by the
Master Servicer since origination or purchased by the Originator in accordance
with its underwriting guidelines; (viii) the Subsequent Mortgage Loan must have
a first payment date occurring on or before March 1, 2002 and (ix) the
Subsequent Mortgage Loan shall have been be underwritten in accordance with the
criteria set forth under the section "The Mortgage Pool--Underwriting Standards;
Representations" in the Prospectus Supplement.

         C. Following the purchase of the Subsequent Mortgage Loans by the Trust
Fund, the Mortgage Loans (including the Subsequent Mortgage Loans) will, as of
the Subsequent Cut-off Date: (i) have a weighted average original term to stated
maturity of not more than 360 months from the first payment date thereon; (ii)
have a weighted average Mortgage Rate of not less than 9.00% and not more than
9.25%, by aggregate principal balance of the Mortgage Loans; (iii) have a
weighted average Loan-to-Value Ratio of not more than 80.80%; (iv) have no
Mortgage Loan with a principal balance in excess of $580,000 and (v) have a
weighted average Gross Margin of not less than 6.35%, in each case, as
applicable, by aggregate principal balance of the Mortgage Loans as of the
related Subsequent Cut-off Date.

<PAGE>

                                  ATTACHMENT B
                                  ------------

                      SCHEDULE OF SUBSEQUENT MORTGAGE LOANS

                                [FILED BY PAPER]

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