Document:

EXHIBIT 10.9 

 

EXECUTION COPY

 

ASSIGNMENT OF REPRESENTATIONS AND WARRANTIES
AGREEMENT

 

This is an Assignment
of Representations and Warranties Agreement (the “Agreement”) made as of the 21st day of September, 2012, among Redwood
Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware
corporation (“Depositor”), Christiana Trust, a division of Wilmington Savings Fund Society, FSB, a federal savings
bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” or the “Assignee”)
under a Pooling and Servicing Agreement dated as of September 1, 2012 (the “Pooling and Servicing Agreement”), and
Cornerstone Mortgage Company, a Texas corporation (“Cornerstone”).

 

In consideration of
the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed
on Attachment 1 annexed hereto (the “Mortgage Loan Schedule”) are subject to the terms of the Flow Mortgage Loan Purchase
and Sale Agreement dated as of September 1, 2011, between Assignor and Cornerstone (the “Purchase Agreement”) as modified
or supplemented by this Agreement. Unless otherwise specified herein, capitalized terms used herein but not defined shall have
the meanings ascribed to them in the Purchase Agreement. Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage
Loan Purchase and Sale Agreement dated the date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the
Pooling and Servicing Agreement.

 

Assignment 

 

1.          Assignor
hereby grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the representations and
warranties made by Cornerstone pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, and Depositor hereby
accepts such assignment from Assignor.

 

2.          Depositor
hereby grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the representations and
warranties made by Cornerstone pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, Depositor is released
from all obligations under the Purchase Agreement, and Assignee hereby accepts such assignment from Depositor.

 

3.          Cornerstone
hereby acknowledges the foregoing assignments.

 

Representations and Warranties

 

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

 

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

 

    	 

    	 

    

 

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

 

(c)          There
are no offsets, counterclaims or other defenses available to Cornerstone with respect to the Purchase Agreement;

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

(a)          Assignee
is a federal savings bank duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization;
and

 

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

 

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

 

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

 

(b)          Cornerstone
is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite
power and authority to perform its obligations under the Purchase Agreement;

 

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

 

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

 

Restated Cornerstone Representations
and Warranties

 

8.          Pursuant
to Section 32(d) of the Purchase Agreement, Cornerstone hereby restates to Depositor and Assignee (a) the representations and warranties
set forth in Subsection 7.01 of the Purchase Agreement as of the related Closing Date and (b) the representations and warranties
set forth in Subsection 7.02 of the Purchase Agreement as of the date hereof, as if such representations and warranties were set
forth herein in full.

 

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In the event of a breach
of any representations and warranties referred to in clauses (a) or (b) above as of the related Closing Date or the date hereof,
as the case may be, Assignee shall be entitled to all the remedies under the Purchase Agreement, including, without limitation,
the right to compel Cornerstone to repurchase Mortgage Loans pursuant to Section 7.03 of the Purchase Agreement, subject to the
provisions of Section 10.

 

Recognition of Assignee

 

9.          From
and after the date hereof, subject to Section 10 below, Cornerstone shall recognize Assignee as owner of the Mortgage Loans and
will perform its obligations hereunder for the benefit of the Assignee in accordance with the Purchase Agreement, as modified hereby
or as may be amended from time to time, as if Assignee and Cornerstone had entered into a separate purchase agreement for the purchase
of the Mortgage Loans in the form of the Purchase Agreement, the terms of which are incorporated herein by reference, as amended
by this Agreement.

 

Enforcement of Rights 

 

10.         (a)          Controlling
Holder Rights. Cornerstone agrees and acknowledges that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor,
in its capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the
Controlling Holder, will exercise all of Assignee's rights as Purchaser under the following section of the Purchase Agreement:

 

Purchase
Agreement:

 

	Section or Subsection	 	Matter
	 	 	 
	7.03, other than 7.03(c)	 	
        Repurchase and
Substitution 

 

(b)          If
there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights that are to be exercised by the Controlling
Holder pursuant to Section 10(a) shall be exercised by Assignee.

 

Amendments to Purchase Agreement

 

11.         The
parties agree that the Purchase Agreement shall be amended, solely with respect to the Mortgage Loans, as follows:

 

(a)          Definitions.

 

(i)          The
definitions of “Business Day” and “Repurchase Price” set forth in Section 1 of the Purchase Agreement shall
be deleted and replaced in their entirety as follows:

 

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

 

Repurchase
Price: With respect to any Mortgage Loan, a price equal to (i) the unpaid principal balance of the Mortgage Loan, plus (ii) interest
on such unpaid principal balance at the related Mortgage Interest Rate from the last date through which interest was last paid
by or on behalf of the Mortgagor to the last day of the month in which such repurchase occurs, plus (iii) reasonable and customary
third party expenses incurred in connection with the transfer of the Mortgage Loan being repurchased, minus (iv) any amounts received
in respect of such repurchased Mortgage Loan and being held for future distribution in connection with such Mortgage Loan.

 

(b)          The
following sentence shall be added as the new third sentence of Subsection 7.03(a):

 

Each determination as to whether
there has been such a breach shall be conducted on a Mortgage Loan-by-Mortgage Loan basis.

 

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

 

Miscellaneous

 

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

 

(a)          In
the case of Cornerstone,

 

Cornerstone Mortgage
Company

1177 West Loop South
Suite 200

Houston, Texas 77027

Attention: Daniel Cooper

 

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(b)          In
the case of Assignee,

 

Christiana Trust, a division
of Wilmington Savings Fund Society, FSB

500 Delaware Avenue,
11th Floor

Wilmington, Delaware,
19801

Attention: Corporate
Trust

 

(c)          In
the case of Depositor,

 

Sequoia Residential Funding,
Inc.

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

(d)          In
the case of Assignor,

 

Redwood Residential Acquisition
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

(e)          In
the case of Master Servicer,

 

Wells Fargo Bank, N.A.

9062 Old Annapolis Road

Columbia, Maryland 21045)

Telephone number: (410)
884-2000

Facsimile number: (410)
715-2380

Attention: Client Manager
— Sequoia Mortgage Trust 2012-4

 

(f)          In
the case of the initial Controlling Holder,

 

Sequoia Mortgage Funding
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

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

 

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

 

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

 

16.         This
Agreement shall survive the conveyance of the Mortgage Loans, the assignment of the representations and warranties made by Cornerstone
pursuant to the Purchase Agreement to the extent of the Mortgage Loans by Assignor to Depositor and by Depositor to Assignee, and
the termination of the Purchase Agreement.

 

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

 

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

 

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

 

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20.         Master
Servicer. Cornerstone hereby acknowledges that the Assignee has appointed Wells Fargo Bank, N.A. to act as master servicer
and securities administrator under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, demands, instructions,
authorizations and other communications from the Master Servicer as if the same had been received from the Assignee. The Master
Servicer, acting on behalf of the Assignee, shall have the rights of the Assignee as the Purchaser under this Agreement, including,
without limitation, the right to enforce the obligations of Cornerstone hereunder and under the Purchase Agreement and the right
to exercise the remedies of the Purchaser hereunder and under the Purchase Agreement.

 

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

 

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #48174300, Sequoia
Mortgage Trust 2012-4 Distribution Account

 

21.         Cornerstone
acknowledges that the custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement. Notwithstanding Section
10 of the Purchase Agreement, Cornerstone shall pay shipping expenses for any Mortgage Loan Documents if there has been a breach
of any representation or warranty made with respect to the related Mortgage Loan in Subsection 7.01 of the Purchase Agreement.

 

22.         Rule
17g-5 Compliance. Cornerstone hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination
thereof to any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail
at rmbs17g5informationprovider@wellsfargo.com, with a subject reference of “SEMT 2012-4” and an identification of the
type of information being provided in the body of such electronic mail. The Securities Administrator, as the initial Rule 17g-5
Information Provider (the “Rule 17g-5 Information Provider”) shall notify Cornerstone in writing of any change in the
identity or contact information of the Rule 17g-5 Information Provider. Cornerstone shall have no liability for (i) the Rule 17g-5
Information Provider’s failure to post information provided by it in accordance with the terms of this Agreement or (ii)
any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider. None of the foregoing restrictions
in this Section 22 prohibit or restrict oral or written communications, or providing information, between Cornerstone, on the one
hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review
of the ratings it assigns to Cornerstone or (ii) such Rating Agency’s or NRSRO’s evaluation of Cornerstone’s
operations in general; provided, however, that Cornerstone shall not provide any information relating to the Mortgage Loans to
such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x) borrower,
property or deal specific identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5 Information
Provider.

 

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

 

	 	REDWOOD RESIDENTIAL ACQUISITION
 CORPORATION
	 	Assignor
	 	 	 
	 	By:	/s/ John Isbrandtsen
	 	Name:	John Isbrandtsen 
	 	Title:	Authorized Officer
	 	 	 
	 	SEQUOIA RESIDENTIAL FUNDING, INC.
	 	Depositor
	 	 	 
	 	By:	/s/ John Isbrandtsen 
	 	Name:	John Isbrandtsen  
	 	Title:	Authorized Officer 
	 	 	 
	 	
        Christiana Trust, a
        division of

        Wilmington Savings Fund Society, FSB,

        not in its individual capacity but solely as Trustee,

        

	 	Assignee
	 	 	 
	 	By:	/s/ Jeffrey R. Everhart
	 	Name:	Jeffrey R. Everhart 
	 	Title:	AVP
	 	 	 
	 	CORNERSTONE MORTGAGE COMPANY
	 	 	 
	 	By:	/s/ Daniel Cooper
	 	Name:	Daniel Cooper 
	 	Title:	SVP

 

	Accepted and agreed to by:	 
	 	 
	WELLS FARGO BANK, N.A.	 
	Master Servicer	 
	 	 	 
	By:	/s/ Graham M. Oglesby	 
	Name:	Graham M. Oglesby 	 
	Title:	Vice President	 

 

Signature
Page – Assignment of Representations and Warranties – Cornerstone (SEMT 2012-4)

 

    	 

    	 

    

 

ATTACHMENT 1

 

MORTGAGE LOAN SCHEDULE

 

 

	Primary

    Servicer	 	Servicing Fee %	 	Servicing

    Fee—Flatdollar	 	Servicing

    Advance
 Methodology	 	Originator	 	Loan Group	 	Loan

    Number	 	Amortization Type	 	Lien Position	 	HELOC

    Indicator
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1050002894	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1110000242	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1110000252	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1200004506	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400007593	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400007645	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400007704	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400007801	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400007804	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400007805	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400007812	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400007832	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400007856	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400007874	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400007880	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1400008061	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	1500014525	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	3170000702	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	3500007638	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	3900000606	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	5450001705	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	5450001709	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	5830000566	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	6010000519	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	6030000945	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1001770	 	 	 	6010000533	 	1	 	1	 	0

 

    	 

    	 

    

 

	Loan Purpose	 	Cash Out

    Amount	 	Total Origination

    and Discount

    Points	 	Covered/High

    Cost Loan
 Indicator	 	Relocation Loan

    Indicator	 	Broker

    Indicator	 	Channel	 	Escrow

    Indicator	 	Senior Loan

    Amount(s)	 	Loan Type of

    Most
 Senior Lien
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	3	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	3	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 

 

    	 

    	 

    

 

	Hybrid
    Period of
 Most Senior Lien

    (in
 months)	 	Neg
    Am Limit of
 Most Senior Lien	 	Junior
    Mortgage
 Balance	 	Origination
    Date of
 Most Senior Lien	 	Origination
    Date	 	Original
    Loan
 Amount	 	Original

    Interest
 Rate	 	Original

    Amortization Term	 	Original
    Term

    to
 Maturity	 	First
    Payment 

Date
 of Loan
	 	 	 	 	0.00	 	 	 	20120620	 	527500.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120622	 	853000.00	 	0.037500	 	180	 	180	 	20120801
	 	 	 	 	0.00	 	 	 	20120621	 	788000.00	 	0.042500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120517	 	527300.00	 	0.046250	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120529	 	464000.00	 	0.046250	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120530	 	810000.00	 	0.042500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120604	 	875000.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120507	 	868000.00	 	0.046250	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120507	 	600000.00	 	0.043750	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120521	 	626500.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120525	 	623000.00	 	0.043750	 	360	 	360	 	20120701
	 	 	 	 	270000.00	 	 	 	20120521	 	908500.00	 	0.037500	 	180	 	180	 	20120701
	 	 	 	 	0.00	 	 	 	20120710	 	767300.00	 	0.046250	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120608	 	579250.00	 	0.046250	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120530	 	704800.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120716	 	872000.00	 	0.045000	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120608	 	604000.00	 	0.047500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120622	 	500000.00	 	0.040000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120522	 	999999.00	 	0.042500	 	180	 	180	 	20120701
	 	 	 	 	0.00	 	 	 	20120529	 	753750.00	 	0.046250	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120523	 	1340000.00	 	0.046250	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120511	 	860000.00	 	0.042500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120625	 	684000.00	 	0.045000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120529	 	536000.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120504	 	907000.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120625	 	756700.00	 	0.043750	 	360	 	360	 	20120801

 

    	 

    	 

    

 

	Interest
    Type
 Indicator	 	Original
    Interest
 Only Term	 	Buy Down
    Period	 	HELOC
    Draw

    Period	 	Current
    Loan
 Amount	 	Current

    Interest
 Rate	 	Current

    Payment
 Amount Due	 	Interest
    Paid
 Through Date	 	Current

    Payment
 Status	 	Index
    Type
	1	 	0	 	0	 	 	 	526076.31	 	0.043750	 	2633.73	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	845913.78	 	0.037500	 	6203.21	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	785824.84	 	0.042500	 	3876.49	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	525255.87	 	0.046250	 	2711.06	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	462201.25	 	0.046250	 	2385.61	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	806640.25	 	0.042500	 	3984.71	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	872638.41	 	0.043750	 	4368.75	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	864635.13	 	0.046250	 	4462.73	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	597566.52	 	0.043750	 	2995.71	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	624015.70	 	0.045000	 	3174.38	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	620473.22	 	0.043750	 	3110.55	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	897161.37	 	0.037500	 	6606.82	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	766312.31	 	0.046250	 	3944.99	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	577755.88	 	0.046250	 	2978.15	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	702005.19	 	0.045000	 	3571.12	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	870851.70	 	0.045000	 	4418.30	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	602477.16	 	0.047500	 	3150.75	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	498556.78	 	0.040000	 	2387.08	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	988013.30	 	0.042500	 	7522.78	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	750324.15	 	0.046250	 	3875.33	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1334805.37	 	0.046250	 	6889.47	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	856432.85	 	0.042500	 	4230.68	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	682195.16	 	0.045000	 	3465.73	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	533874.56	 	0.045000	 	2715.83	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	902590.10	 	0.045000	 	4595.64	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	754657.71	 	0.043750	 	3778.09	 	20120901	 	0	 	0

 

    	 

    	 

    

 

	ARM
    Look-back
 Days	 	Gross
    Margin	 	ARM
    Round Flag	 	ARM
    Round Factor	 	Initial
    Fixed Rate
 Period	 	Initial
    Interest

    Rate
 Cap (Change

    Up)	 	Initial
    Interest

    Rate
 Cap (Change

    Down)	 	Subsequent

    Interest
 Rate Reset Period	 	Subsequent

    Interest
 Rate Cap (Change

    Down)	 	Subsequent

    Interest
 Rate Cap (Change
 Up)
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	Lifetime

    Maximum
 Rate (Ceiling)	 	Lifetime
    Minimum
 Rate (Floor)	 	Negative

    Amortization Limit	 	Initial
    Negative
 Amortization

    Recast
 Period	 	Subsequent

    Negative
 Amortization

    Recast
 Period	 	Initial
    Fixed
 Payment Period	 	Subsequent

    Payment Reset
 Period	 	Initial
    Periodic
 Payment Cap	 	Subsequent

    Periodic Payment
 Cap	 	Initial
    Minimum
 Payment Reset
 Period
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	Subsequent

    Minimum Payment
 Reset Period	 	Option
    ARM
 Indicator	 	Options
    at

    Recast	 	Initial
    Minimum
 Payment	 	Current

    Minimum
 Payment	 	Prepayment

    Penalty
 Calculation	 	Prepayment

    Penalty
 Type	 	Prepayment

    Penalty
 Total Term	 	Prepayment

    Penalty
 Hard Term	 	Primary

    Borrower ID
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	219
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	189
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	205
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	225
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	224
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	215
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	181
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	176
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	198
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	226
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	142
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	196
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	256
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	238
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	201
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	59
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	211
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	188
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	369
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	323
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	236
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	170
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	183
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	213
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	192

 

    	 

    	 

    

 

	Number
    of
 Mortgaged
 Properties	 	Total
    Number of
 Borrowers	 	Self-employment

    Flag	 	Current
    ‘Other’
 Monthly

    Payment	 	Length
    of
 Employment:
 Borrower	 	Length
    of
 Employment: Co-
 Borrower	 	Years
    in Home	 	FICO
    Model Used	 	Most
    Recent

    FICO
 Date	 	Primary
    Wage
 Earner

    Original
 FICO: Equifax
	1	 	 	 	0	 	 	 	5.75	 	3.5	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	13	 	 	 	8	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	7	 	 	 	1	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	5.5	 	10	 	1	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	2.5	 	1	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	20	 	12	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	4.75	 	9	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	11	 	0	 	0	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	3.75	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	10	 	3.75	 	2.75	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	3.5	 	0	 	8	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	10	 	0	 	6	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	0.5	 	20	 	7	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	1.5	 	2.25	 	1.5	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	2	 	 	 	1	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	12	 	8	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	4.25	 	0	 	3	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	9.25	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	5	 	 	 	3	 	1	 	 	 	 
	3	 	 	 	0	 	 	 	8	 	12	 	0	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	6.75	 	12	 	2	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	7	 	0.5	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	5	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	7.5	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	3.25	 	0	 	0.6	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	19	 	 	 	14	 	1	 	 	 	 

 

    	 

    	 

    

 

	Primary
    Wage
 Earner Original
 FICO: Experian	 	Primary
    Wage
 Earner Original
 FICO: TransUnion	 	Secondary
    Wage
 Earner Original
 FICO: Equifax	 	Secondary
    Wage
 Earner Original
 FICO: Experian	 	Secondary
    Wage
 Earner Original
 FICO: TransUnion	 	Original

    Primary

    Borrower
 FICO	 	Most
    Recent
 Primary

    Borrower
 FICO	 	Most
    Recent Co-
 Borrower FICO	 	Most
    Recent

    FICO
 Method	 	VantageScore:

    Primary Borrower
	 	 	 	 	 	 	 	 	 	 	795	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	762	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	762	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	779	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	770	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	796	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	778	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	800	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	772	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	742	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	798	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	795	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	766	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	796	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	797	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	760	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	783	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	804	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	751	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	802	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	780	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	768	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	792	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	785	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	720	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	785	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	VantageScore:

    Co-
 Borrower	 	Most
    Recent
 VantageScore
 Method	 	VantageScore

    Date	 	Credit
    Report:
 Longest Trade

    Line	 	Credit
    Report:
 Maximum Trade
 Line	 	Credit
    Report:
 Number of Trade
 Lines	 	Credit
    Line Usage
 Ratio	 	Most
    Recent 12-
 month Pay History	 	Months

    Bankruptcy	 	Months

    Foreclosure
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 

 

    	 

    	 

    

 

	Primary

    Borrower
 Wage Income	 	Co-Borrower
    

Wage
 Income	 	Primary

    Borrower
 Other Income	 	Co-Borrower
    

Other
 Income	 	All Borrower
    

Wage
 Income	 	All Borrower
    

Total
 Income	 	4506-T
    

Indicator	 	Borrower
    Income
 Verification Level	 	Co-Borrower

    Income 

Verification	 	Borrower

    Employment
 Verification
	8333.34	 	4399.83	 	0.00	 	0.00	 	12733.17	 	12733.17	 	1	 	5	 	 	 	3
	54162.54	 	 	 	0.00	 	 	 	54162.54	 	54162.54	 	1	 	4	 	 	 	3
	36000.00	 	 	 	0.00	 	 	 	36000.00	 	36000.00	 	1	 	5	 	 	 	3
	3000.00	 	3653.71	 	5736.79	 	0.00	 	6653.71	 	12390.50	 	1	 	5	 	 	 	3
	4761.90	 	5999.99	 	2161.12	 	0.00	 	10761.89	 	12923.01	 	1	 	5	 	 	 	3
	18506.45	 	8030.59	 	0.00	 	0.00	 	26537.04	 	26537.04	 	1	 	5	 	 	 	3
	12500.00	 	6772.21	 	0.00	 	0.00	 	19272.21	 	19272.21	 	1	 	5	 	 	 	3
	18085.33	 	0.00	 	0.00	 	0.00	 	18085.33	 	18085.33	 	1	 	5	 	 	 	3
	14583.34	 	 	 	12770.40	 	 	 	14583.34	 	27353.74	 	1	 	5	 	 	 	3
	1131.97	 	5667.50	 	0.00	 	4734.20	 	6799.47	 	11533.67	 	1	 	5	 	 	 	3
	10416.67	 	0.00	 	6527.78	 	0.00	 	10416.67	 	16944.45	 	1	 	5	 	 	 	3
	41667.00	 	0.00	 	16607.00	 	0.00	 	41667.00	 	58274.00	 	1	 	5	 	 	 	3
	13333.34	 	11884.60	 	0.00	 	0.00	 	25217.94	 	25217.94	 	1	 	5	 	 	 	3
	17020.83	 	7441.72	 	0.00	 	0.00	 	24462.55	 	24462.55	 	1	 	5	 	 	 	3
	19600.00	 	 	 	0.00	 	 	 	19600.00	 	19600.00	 	1	 	5	 	 	 	3
	14748.00	 	17235.00	 	0.00	 	0.00	 	31983.00	 	31983.00	 	1	 	5	 	 	 	3
	26960.56	 	0.00	 	0.00	 	0.00	 	26960.56	 	26960.56	 	1	 	5	 	 	 	3
	14791.66	 	0.00	 	0.00	 	0.00	 	14791.66	 	14791.66	 	1	 	5	 	 	 	3
	30333.33	 	 	 	0.00	 	 	 	30333.33	 	30333.33	 	1	 	5	 	 	 	3
	20980.27	 	5921.95	 	2426.00	 	0.00	 	26902.22	 	29328.22	 	1	 	5	 	 	 	3
	5134.08	 	4167.50	 	9266.43	 	0.00	 	9301.58	 	18568.01	 	1	 	5	 	 	 	3
	10000.00	 	4060.55	 	25948.83	 	0.00	 	14060.55	 	40009.38	 	1	 	5	 	 	 	3
	9053.68	 	 	 	2416.17	 	 	 	9053.68	 	11469.85	 	1	 	5	 	 	 	3
	30071.00	 	 	 	0.00	 	 	 	30071.00	 	30071.00	 	1	 	5	 	 	 	3
	2917.00	 	0.00	 	50625.89	 	0.00	 	2917.00	 	53542.89	 	1	 	5	 	 	 	3
	20861.17	 	 	 	0.00	 	 	 	20861.17	 	20861.17	 	1	 	5	 	 	 	3

 

    	 

    	 

    

 

	Co-Borrower

    Employment
 Verification	 	Borrower
    Asset
 Verification	 	Co-Borrower

    Asset
 Verification	 	Liquid
    / Cash
 Reserves	 	Monthly
    Debt All
 Borrowers	 	Originator
    DTI	 	Fully
    Indexed

    Rate	 	Qualification

    Method	 	Percentage
    of Down
 Payment from
 Borrower Own
 Funds	 	City
	 	 	4	 	 	 	54989.45	 	4015.66	 	0.3154	 	 	 	 	 	100	 	Houston
	 	 	4	 	 	 	476362.35	 	9882.77	 	0.1825	 	 	 	 	 	 	 	Houston
	 	 	4	 	 	 	107885.83	 	6426.00	 	0.1785	 	 	 	 	 	 	 	Houston
	 	 	4	 	 	 	33335.33	 	4589.44	 	0.3704	 	 	 	 	 	 	 	College Station
	 	 	4	 	 	 	576363.18	 	5520.71	 	0.4272	 	 	 	 	 	100	 	Dallas
	 	 	4	 	 	 	408889.23	 	6188.44	 	0.2332	 	 	 	 	 	100	 	Dallas
	 	 	4	 	 	 	102275.58	 	7934.37	 	0.4117	 	 	 	 	 	100	 	University Park
	 	 	4	 	 	 	210342.27	 	6973.70	 	0.3856	 	 	 	 	 	100	 	Dallas
	 	 	4	 	 	 	326340.48	 	8104.91	 	0.2963	 	 	 	 	 	100	 	Dallas
	 	 	4	 	 	 	192632.92	 	5426.59	 	0.4705	 	 	 	 	 	 	 	Dallas
	 	 	4	 	 	 	120780.37	 	5656.06	 	0.3338	 	 	 	 	 	 	 	Dallas
	 	 	4	 	 	 	893790.46	 	13204.89	 	0.2266	 	 	 	 	 	 	 	Dallas
	 	 	4	 	 	 	246374.95	 	8422.77	 	0.3340	 	 	 	 	 	 	 	University Park
	 	 	4	 	 	 	314209.98	 	5132.61	 	0.2098	 	 	 	 	 	 	 	Dallas
	 	 	4	 	 	 	780490.79	 	6205.36	 	0.3166	 	 	 	 	 	 	 	Dallas
	 	 	4	 	 	 	432960.98	 	8943.63	 	0.2796	 	 	 	 	 	100	 	University Park
	 	 	4	 	 	 	88492.64	 	5071.23	 	0.1881	 	 	 	 	 	 	 	Austin
	 	 	4	 	 	 	54610.92	 	4609.08	 	0.3116	 	 	 	 	 	100	 	Houston
	 	 	4	 	 	 	114107.02	 	12103.00	 	0.3990	 	 	 	 	 	 	 	Mustang
	 	 	4	 	 	 	172783.95	 	13048.13	 	0.4449	 	 	 	 	 	100	 	Torrance
	 	 	4	 	 	 	126872.43	 	8155.07	 	0.4392	 	 	 	 	 	 	 	Park City
	 	 	4	 	 	 	162455.44	 	7509.76	 	0.1877	 	 	 	 	 	100	 	Salt Lake City
	 	 	4	 	 	 	97613.57	 	4450.30	 	0.3880	 	 	 	 	 	76.0614	 	Greenwood Village
	 	 	4	 	 	 	94893.73	 	7208.02	 	0.2397	 	 	 	 	 	100	 	Dallas
	 	 	4	 	 	 	2562428.21	 	12282.74	 	0.2294	 	 	 	 	 	 	 	HOUSTON
	 	 	4	 	 	 	423125.96	 	5648.66	 	0.2708	 	 	 	 	 	 	 	Dallas

 

    	 

    	 

    

 

	State	 	Postal
    Code	 	Property
    Type	 	Occupancy	 	Sales
    Price	 	Original
    

    Appraised
 Property Value	 	Original

    Property
 Valuation Type	 	Original

    Property
 Valuation Date	 	Original
    Automated
 Valuation Model
 (AVM) Model

    Name	 	Original
    AVM
 Confidence Score
	TX	 	77401	 	1	 	1	 	697500.00	 	730000.00	 	3	 	20120612	 	 	 	 
	TX	 	77027	 	1	 	1	 	 	 	1550000.00	 	3	 	20120604	 	 	 	 
	TX	 	77005	 	1	 	1	 	 	 	1250000.00	 	3	 	20120613	 	 	 	 
	TX	 	77845	 	1	 	1	 	 	 	740000.00	 	3	 	20120420	 	 	 	 
	TX	 	75205	 	1	 	1	 	580000.00	 	580000.00	 	3	 	20120418	 	 	 	 
	TX	 	75205	 	1	 	1	 	1350000.00	 	1350000.00	 	3	 	20120515	 	 	 	 
	TX	 	75225	 	1	 	1	 	1250000.00	 	1250000.00	 	3	 	20120322	 	 	 	 
	TX	 	75205	 	1	 	1	 	1085000.00	 	1085000.00	 	3	 	20120417	 	 	 	 
	TX	 	75214	 	1	 	1	 	800000.00	 	815000.00	 	3	 	20120418	 	 	 	 
	TX	 	75229	 	1	 	1	 	 	 	895000.00	 	3	 	20120508	 	 	 	 
	TX	 	75225	 	1	 	1	 	 	 	1050000.00	 	3	 	20120501	 	 	 	 
	TX	 	75225	 	1	 	1	 	 	 	3275000.00	 	3	 	20120430	 	 	 	 
	TX	 	75205	 	1	 	1	 	 	 	1085000.00	 	3	 	20120529	 	 	 	 
	TX	 	75214	 	1	 	1	 	 	 	840000.00	 	3	 	20120501	 	 	 	 
	TX	 	75214	 	1	 	1	 	 	 	1015000.00	 	3	 	20120501	 	 	 	 
	TX	 	75225	 	1	 	1	 	1090000.00	 	1120000.00	 	3	 	20120625	 	 	 	 
	TX	 	78731	 	1	 	1	 	 	 	755000.00	 	3	 	20120403	 	 	 	 
	TX	 	77094	 	1	 	1	 	800000.00	 	815000.00	 	3	 	20120604	 	 	 	 
	OK	 	73064	 	1	 	1	 	 	 	1350000.00	 	3	 	20120425	 	 	 	 
	CA	 	90505	 	1	 	1	 	1005000.00	 	1005000.00	 	3	 	20120423	 	 	 	 
	UT	 	84098	 	7	 	1	 	 	 	2000000.00	 	3	 	20120430	 	 	 	 
	UT	 	84103	 	7	 	1	 	1075000.00	 	1100000.00	 	3	 	20120427	 	 	 	 
	CO	 	80111	 	1	 	1	 	855000.00	 	860000.00	 	3	 	20120605	 	 	 	 
	TX	 	75208	 	1	 	1	 	670000.00	 	675000.00	 	3	 	20120511	 	 	 	 
	TX	 	77024	 	1	 	1	 	 	 	2400000.00	 	3	 	20120417	 	 	 	 
	TX	 	75214	 	1	 	1	 	 	 	1060000.00	 	3	 	20120612	 	 	 	 

 

    	 

    	 

    

 

	Most
    Recent
 Property

    Value2	 	Most
    Recent
 Property

    Valuation
 Type	 	Most
    Recent
 Property

    Valuation
 Date	 	Most
    Recent AVM
 Model Name	 	Most
    Recent AVM
 Confidence Score	 	Original
    CLTV	 	Original
    LTV	 	Original

    Pledged
 Assets	 	Mortgage

    Insurance
 Company Name	 	Mortgage

    Insurance
 Percent
	 	 	 	 	 	 	 	 	 	 	0.7562	 	0.7562	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5503	 	0.5503	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6304	 	0.6304	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7125	 	0.7125	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6000	 	0.6000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5933	 	0.5933	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.3598	 	0.2774	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7071	 	0.7071	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6895	 	0.6895	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6943	 	0.6943	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6250	 	0.6250	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7407	 	0.7407	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6700	 	0.6700	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.3779	 	0.3779	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7138	 	0.7138	 	0	 	0	 	0

 

    	 

    	 

    

 

	MI:
    Lender or
 Borrower Paid?	 	Pool
    Insurance

    Co.
 Name	 	Pool
    Insurance

    Stop
 Loss %	 	MI
    Certificate
 Number	 	Updated
    DTI
 (Front-end)	 	Updated
    DTI
 (Back-end)	 	Modification

    Effective Payment
 Date	 	Total
    Capitalized
 Amount	 	Total
    Deferred
 Amount	 	Pre-Modification

    Interest

    (Note) Rate
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	Pre-Modification

    P&I
 Payment	 	Pre-Modification

    Initial Interest Rate
 Change Downward
 Cap	 	Pre-Modification

    Subsequent

    Interest
 Rate Cap	 	Pre-Modification

    Next Interest Rate
 Change Date	 	Pre-Modification
    I/O
 Term	 	Forgiven

    Principal
 Amount	 	Forgiven

    Interest
 Amount	 	Number
    of
 Modifications	 	Cash
    To/From

    Brrw at

    Closing	 	Brrw
    - Yrs at in

    Industry
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	13
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	13
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	5.5
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	2.5
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	4.75
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	11
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	3.75
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	3.5
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.5
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	12
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	9
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	9.25
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	18
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	7
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	7
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	22
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	19

 

    	 

    	 

    

 

	CoBrrw
    - Yrs at in

    Industry	 	Junior
    Mortgage

    Drawn Amount	 	Maturity
    Date	 	Primary

    Borrower Wage

    Income (Salary)	 	Primary

    Borrower Wage

    Income (Bonus)	 	Primary
    Borrower

    Wage Income

    (Commission)	 	Co-Borrower

    Wage Income

    (Salary)	 	Co-Borrower

    Wage Income

    (Bonus)	 	Co-Borrower

    Wage Income

    (Commission)	 	Originator
    Doc

    Code	 	RWT
    Income

    Verification	 	RWT
    Asset

    Verification
	15	 	0.00	 	20420701	 	8333.34	 	0.00	 	0.00	 	4399.83	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20270701	 	54162.54	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	36000.00	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	10	 	0.00	 	20420601	 	3000.00	 	0.00	 	5736.79	 	3653.71	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	1	 	0.00	 	20420601	 	4761.90	 	0.00	 	2161.12	 	5999.99	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	12	 	0.00	 	20420601	 	18506.45	 	0.00	 	0.00	 	8030.59	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	9	 	0.00	 	20420701	 	12500.00	 	0.00	 	0.00	 	6772.21	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	18085.33	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	14583.34	 	12770.40	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	8	 	0.00	 	20420601	 	1131.97	 	0.00	 	0.00	 	5667.50	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	10416.67	 	6527.78	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20270601	 	41667.00	 	0.00	 	16607.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	20	 	0.00	 	20420801	 	13333.34	 	0.00	 	0.00	 	11884.60	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	15	 	0.00	 	20420701	 	17020.83	 	0.00	 	0.00	 	7441.72	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	19600.00	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	8	 	0.00	 	20420801	 	14748.00	 	0.00	 	0.00	 	17235.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	26960.56	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	14791.66	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20270601	 	30333.33	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	12	 	0.00	 	20420601	 	20980.27	 	0.00	 	0.00	 	5921.95	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	13	 	0.00	 	20420601	 	5134.08	 	9266.43	 	0.00	 	4167.50	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	1	 	0.00	 	20420601	 	10000.00	 	25948.83	 	0.00	 	4060.55	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	9053.68	 	2416.17	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	30071.00	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	2917.00	 	0.00	 	50625.89	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	20861.17	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months

 

    	 

    	 

    

 

	MERSID	 	Organization
	1001770	 	Cornerstone
	1000383	 	RRAC/Cenlar

 

    	 

    	 

    

  

ASF RMBS DISCLOSURE PACKAGE

 

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

  

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	Primary Servicer	 	The MERS Organization ID of the company that has or will have the right to service the loan.	 	General Information	 	Numeric – Integer	 	2351805	 	9(7)	 	Always	 	”9999999” if Unknown	 	 	 	 
	2	 	Servicing Fee—Percentage	 	Aggregate monthly fee paid to all servicers, stated in decimal form.	 	General Information	 	Numeric - Decimal	 	0.0025	 	9.999999	 	Loans without flat-dollar servicing fees	 	>= 0 and < 1	 	 	 	Must be populated if Field 3 is Null
	3	 	Servicing Fee—Flat-dollar	 	Aggregate monthly fee paid to all servicers, stated as a dollar amount.	 	General Information	 	Numeric – Decimal	 	7.5	 	9(3).99	 	Loans with flat-dollar servicing fees	 	>= 0 and <= 999	 	 	 	Must be populated if 2 is Null
	4	 	Servicing Advance Methodology	 	The manner in which principal and/or interest are to be advanced by the servicer.	 	General Information	 	Numeric – Integer	 	2	 	99	 	Always	 	See Coding	 	1 = Scheduled Interest,
        Scheduled Principal

        2 = Actual Interest, Actual
        Principal

        3 = Scheduled Interest,
        Actual Principal 

99 = Unknown
	 	 
	5	 	Originator	 	The MERS Organization ID of the entity that lends funds to the borrower and, in return, places
    a lien on the mortgage property as collateral.	 	General Information	 	Numeric – Integer	 	5938671	 	9(7)	 	Always	 	”9999999” if Unknown	 	 	 	 
	6	 	Loan Group	 	Indicates the collateral group number in which the loan falls (for structures with multiple
    collateral groups). Use “1” if there is only one loan group.	 	General Information	 	Text	 	1A	 	XXXX	 	Always	 	“UNK” if Unknown	 	 	 	 
	7	 	Loan Number	 	Unique National Mortgage Loan ID Number (Vendor TBD).	 	General Information	 	Numeric – Integer	 	TBD	 	TBD	 	Always	 	TBD	 	 	 	Details to be provided by Vendor
	8	 	Amortization Type	 	Indicates whether the loan’s interest rate is fixed or adjustable (Hybrid ARMs are
    adjustable).	 	Loan Type	 	Numeric – Integer	 	2	 	99	 	Always	 	See Coding	 	1 = Fixed

        2 = Adjustable

        99
        = Unknown
	 	 
	9	 	Lien Position	 	A number indicating the loan’s lien position (1 = first lien, etc.).	 	Loan Type	 	Numeric – Integer	 	1	 	99	 	Always	 	>0	 	99 = Unknown	 	 
	10	 	HELOC Indicator	 	Indicates whether the loan is a home equity line of credit.	 	Loan Type	 	Numeric – Integer	 	1	 	99	 	Always	 	See Coding	 	0 = No

        1 = Yes

        99 = Unknown
	 	 
	11	 	Loan Purpose	 	Indicates the purpose of the loan.	 	Loan Type	 	Numeric – Integer	 	9	 	99	 	Always	 	See Coding	 	See Appendix A	 	 
	12	 	Cash Out Amount	 	Cash Out Amount:   [New Loan] – [PIF Prior First
    Lien] – [Payoff of all Seasoned Seconds] – [Closing Costs] – [Prepays]
 For delayed purchases (refinances
    on homes purchased < 12 months prior to the mortgage application) with cash)  Cash Out Amount = 0.	 	Loan Type	 	Numeric – Decimal	 	72476.5	 	9(10).99	 	Always	 	>= 0	 	 	 	 
	13	 	Total Origination and Discount Points (in dollars)	 	Amount paid to the lender to increase the lender’s effective yield and, in the case
    of discount points, to reduce the interest rate paid by the borrower.	 	Loan Type	 	Numeric – Decimal	 	5250	 	9(10).99	 	Always	 	>= 0	 	 	 	Typically Lines 801 and 802 of HUD Settlement Statement
	14	 	Covered/High Cost Loan Indicator	 	Indicates whether the loan is categorized as “high cost” or “covered”
    according to state or federal statutes or regulations.	 	Loan Type	 	Numeric – Integer	 	1	 	99	 	Always	 	See Coding	 	0 = No

        1 = Yes

        99 = Unknown
	 	 
	15	 	Relocation Loan Indicator	 	Indicates whether the loan is part of a corporate relocation program.	 	Loan Type	 	Numeric – Integer	 	1	 	99	 	Always	 	See Coding	 	0 = No

        1 = Yes

        99 = Unknown
	 	 
	16	 	Broker Indicator	 	Indicates whether a broker took the application.	 	Loan Type	 	Numeric – Integer	 	1	 	99	 	Always	 	See Coding	 	0 = No

        1 = Yes

        99 = Unknown
	 	 
	17	 	Channel	 	Code indicating the source (channel) from which the Issuer obtained the mortgage loan.	 	Loan Type	 	Numeric – Integer	 	2	 	99	 	Always	 	See Coding	 	1 = Retail

        2 = Broker

        3 = Correspondent Bulk

        4 = Correspondent Flow
        with delegated underwriting

        5 = Correspondent Flow
        without delegated underwriting

        99 = Unknown
	 	 
	18	 	Escrow Indicator	 	Indicates whether various homeownership expenses are paid by the borrower directly or through
    an escrow account (as of securitization cut-off date).	 	Loan Type	 	Numeric – Integer	 	3	 	99	 	Always	 	See Coding	 	0 = No Escrows

        1 = Taxes

        2 = Insurance

        3 = HOA dues

        4 = Taxes and Insurance

        5 = All

        99 =Unknown
	 	 
	19	 	Senior Loan Amount(s)	 	For non-first mortgages, the sum of the balances of all associated senior mortgages at the
    time of origination of the subordinate lien. 	 	Mortgage Lien Info	 	Numeric – Decimal	 	611004.25	 	9(10).99	 	If Lien Position > 1	 	>= 0	 	 	 	 
	20	 	Loan Type of Most Senior Lien	 	For non-first mortgages, indicates whether the associated first mortgage is a Fixed, ARM,
    Hybrid, or negative amortization loan.	 	Mortgage Lien Info	 	Numeric – Integer	 	2	 	99	 	If Lien Position > 1	 	See Coding	 	1 = Fixed Rate

        2 = ARM

        3 = Hybrid

        4 = Neg Am

        99 = Unknown
	 	 
	21	 	Hybrid Period of Most Senior Lien (in months)	 	For non-first mortgages where the associated first mortgage is a hybrid ARM, the number of
    months remaining in the initial fixed interest rate period for the hybrid first mortgage.	 	Mortgage Lien Info	 	Numeric – Integer	 	23	 	999	 	If
        Lien Position > 1

        AND
        the most senior lien is a hybrid ARM (see Field 20)
	 	>= 0	 	 	 	 
	22	 	Neg Am Limit of Most Senior Lien	 	For non-first mortgages where the associated first mortgage features negative amortization,
    the maximum percentage by which the negatively amortizing balance may increase (expressed as a proportion of the senior lien’s
    original balance).	 	Mortgage Lien Info	 	Numeric – Decimal	 	1.25	 	9.999999	 	If
        Lien Position > 1

        AND
        the senior lien is Neg Am (see Field 20)
	 	>= 1 and <= 2	 	 	 	 
	23	 	Junior Mortgage Balance	 	For first mortgages with subordinate liens at the time of origination, the combined balance
    of the subordinate liens (if known).	 	Mortgage Lien Info	 	Numeric – Decimal	 	51775.12	 	9(10).99	 	If Lien Position = 1 and there is a 2nd lien on the
    subject property	 	>= 0	 	 	 	Subject to Regulatory Confirmation
	24	 	Origination Date of Most Senior Lien	 	For non-first mortgages, the origination date of the associated first mortgage.	 	Mortgage Lien Info	 	Date	 	20090914	 	YYYYMMDD	 	If Lien Position > 1 and there is a 2nd lien on
    the subject property	 	“19010101” if unknown	 	 	 	 
	25	 	Origination Date	 	The date of the Mortgage Note and Mortgage/Deed of Trust	 	Loan Term and Amortization Type	 	Date	 	20090914	 	YYYYMMDD	 	Always	 	“19010101” if unknown	 	 	 	 

 

 

    	 

    	 

    

 

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	26	 	Original Loan Amount	 	The dollar amount of the mortgage loan, as specified on the mortgage note
    at the time of the loan’s origination. For HELOCs, the maximum available line of credit.	 	Loan Term and Amortization Type	 	Numeric – Decimal	 	150000	 	9(10).99	 	Always	 	>0	 	 	 	 
	27	 	Original Interest Rate	 	The original note rate as indicated on the mortgage note.	 	Loan Term and Amortization Type	 	Numeric – Decimal	 	0.0475	 	9.999999	 	Always	 	> 0 and <= 1	 	 	 	 
	28	 	Original Amortization Term	 	The number of months in which the loan would be retired if the amortizing principal and interest
    payment were to be paid each month.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	360	 	999	 	Always	 	>= 60	 	 	 	 
	29	 	Original Term to Maturity	 	The initial number of months between loan origination and the loan maturity date, as specified
    on the mortgage note.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	60	 	999	 	Always	 	>0	 	N/A	 	 
	30	 	First Payment Date of Loan	 	The date of the first scheduled mortgage payment to be made by the borrower as specified
    on the mortgage note.	 	Loan Term and Amortization Type	 	Date	 	20090914	 	YYYYMMDD	 	Always	 	“19010101” if unknown	 	N/A	 	 
	31	 	Interest Type Indicator	 	Indicates whether the interest rate calculation method is simple or actuarial.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	2	 	99	 	Always	 	See Coding	 	1= Simple

        2 = Actuarial

        99 = Unknown
	 	 
	32	 	Original Interest Only Term	 	Original interest-only term for a loan in months (including NegAm Loans).	 	Loan Term and Amortization Type	 	Numeric – Integer	 	60	 	999	 	Always	 	>=
        0 and <= 240

        Unknown
        = Blank;

        No
        Interest Only Term = 0
	 	 	 	 
	33	 	Buy Down Period	 	The total number of months during which any buy down is in effect, representing the accumulation
    of all buy down periods.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	65	 	999	 	Always	 	>=
        0 and <= 100

        Unknown
        = Blank;

        No
        Buy Down = 0
	 	 	 	 
	34	 	HELOC Draw Period	 	The original number of months during which the borrower may draw funds against the HELOC
    account.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	24	 	999	 	HELOCs Only	 	>= 12 and <= 120	 	 	 	 
	35	 	Scheduled Loan Amount	 	Mortgage loan scheduled principal balance as of cut-off date. For HELOCs, the current drawn
    amount.	 	Loan Term and Amortization Type	 	Numeric – Decimal	 	248951.19	 	9(10).99	 	Always	 	>= 0	 	 	 	 
	36	 	Current Interest Rate	 	The interest rate used to calculate the current P&I or I/O payment.	 	Loan Term and Amortization Type	 	Numeric – Decimal	 	0.05875	 	9.999999	 	Always	 	> 0 and <= 1	 	 	 	 
	37	 	Current Payment Amount Due	 	Next Total Payment due to be collected (including principal, interest or both—but Exclude
    Escrow Amounts).	 	Loan Term and Amortization Type	 	Numeric – Decimal	 	1250.15	 	9(10).99	 	Always	 	> 0	 	 	 	 
	38	 	Scheduled Interest Paid
 Through Date	 	 	 	Loan Term and Amortization Type	 	Date	 	20090429	 	YYYYMMDD	 	Always	 	“19010101” if unknown	 	 	 	 
	39	 	Current Payment Status	 	Number of payments the borrower is past due as of the securitization cut-off date.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	3	 	99	 	Always	 	>= 0	 	 	 	 
	40	 	Index Type	 	Specifies the type of index to be used to determine the interest rate at each adjustment.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Integer	 	18	 	99	 	ARMs Only	 	See Coding	 	See Appendix B	 	 
	41	 	ARM Look-back Days	 	The number of days prior to the interest rate adjustment date to retrieve the index value.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Integer	 	45	 	99	 	ARMs Only	 	>= 0 to <=99		 	 	 
	42	 	Gross Margin	 	The percentage stated on the mortgage note representing the spread between the ARM Index
    value and the mortgage interest rate. The gross mortgage margin is added to the index value to establish a new gross interest
    rate in the manner prescribed on the mortgage note.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Decimal	 	0.03	 	9.999999	 	ARMs Only	 	>0 and <= 1	 	 	 	 
	43	 	ARM Round Flag	 	An indicator of whether an adjusted interest rate is rounded to the next higher ARM round
    factor, to the next lower round factor, or to the nearest round factor.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Integer	 	3	 	9	 	ARMs Only	 	See Coding	 	0 = No Rounding

        1 = Up

        2 = Down

        3 = Nearest

        99=Unknown
	 	 
	44	 	ARM Round Factor	 	The percentage to which an adjusted interest rate is to be rounded.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Decimal	 	0.0025 or 0.00125	 	9.999999	 	ARMs
        Only

        Where
        ARM Round Flag = 1, 2, or 3
	 	>= 0 and < 1	 	 	 	 
	45	 	Initial Fixed Rate Period	 	For hybrid ARMs, the period between the first payment date of the mortgage and the first
    interest rate adjustment date.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Integer	 	60	 	999	 	Hybrid ARMs Only	 	>= 1 to <=240	 	 	 	 
	46	 	Initial Interest Rate Cap (Change Up)	 	The maximum percentage by which the mortgage note rate may increase at the first interest
    rate adjustment date.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Decimal	 	0.02	 	9.999999	 	ARMs Only	 	>= 0 and <= 1	 	99=no cap	 	 
	47	 	Initial Interest Rate  Cap (Change Down)	 	The maximum percentage by which the mortgage note rate may decrease at the first interest
    rate adjustment date.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Decimal	 	0.02	 	9.999999	 	ARMs Only	 	>= 0 and <= 1	 	99=no cap	 	 
	48	 	Subsequent Interest Rate Reset Period	 	The number of months between subsequent rate adjustments.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Integer	 	60	 	999	 	ARMs Only	 	>=0 and <= 120	 	 	 	0 = Loan does not adjust after initial reset
	49	 	Subsequent Interest Rate (Change Down)	 	The maximum percentage by which the interest rate may decrease at each rate adjustment date
    after the initial adjustment.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Decimal	 	0.02	 	9.999999	 	ARMs Only	 	>= 0 and <= 1	 	99=no cap	 	 
	50	 	Subsequent Interest Rate Cap (Change Up)	 	The maximum percentage by which the interest rate may increase at each rate adjustment date
    after the initial adjustment.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Decimal	 	0.02	 	9.999999	 	ARMs Only	 	>= 0 and <= 1	 	99=no cap	 	 
	51	 	Lifetime Maximum Rate (Ceiling)	 	The maximum interest rate that can be in effect during the life of the loan.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Decimal	 	0.125	 	9.999999	 	ARMs Only	 	>= 0 and <= 1	 	 	 	=1 if no ceiling specified
	52	 	Lifetime Minimum Rate (Floor)	 	The minimum interest rate that can be in effect during the life of the loan.	 	Adjustable Rate Mortgages (ARMs)	 	Numeric – Decimal	 	0.015	 	9.999999	 	ARMs Only	 	>= 0 and <= 1	 	 	 	If no floor is specified enter the greater of the margin or 0.
	53	 	Negative Amortization Limit	 	The maximum amount of negative amortization allowed before recast is required. (Expressed
    as a percentage of the original unpaid principal balance.)	 	Negative Amortization	 	Numeric – Decimal	 	1.25	 	9.999999	 	Negatively Amortizing ARMs Only	 	>=0, and <2	 	 	 	 
	54	 	Initial Negative Amortization Recast Period	 	The number of months in which the payment is required to recast if the loan does not reach
    the prescribed maximum balance earlier.	 	Negative Amortization	 	Numeric – Integer	 	60	 	999	 	Negatively Amortizing ARMs Only	 	>=0	 	 	 	 
	55	 	Subsequent Negative Amortization Recast Period	 	The number of months after which the payment is required to recast AFTER the first recast
    period.	 	Negative Amortization	 	Numeric – Integer	 	48	 	999	 	Negatively Amortizing ARMs Only	 	>=0	 	 	 	 
	56	 	Initial Fixed Payment Period	 	Number of months after origination during which the payment is fixed.	 	Negative Amortization	 	Numeric – Integer	 	60	 	999	 	Negatively Amortizing Hybrid ARMs Only	 	>= 0 to <=120	 	 	 	 
	57	 	Subsequent Payment Reset Period	 	Number of months between payment adjustments after first payment reset.	 	Negative Amortization	 	Numeric – Integer	 	12	 	999	 	Negatively Amortizing ARMs Only	 	>= 0 to <=120	 	 	 	 
	58	 	Initial Periodic Payment Cap	 	The maximum percentage by which a payment can change (increase or decrease) in the first
    period. 	 	Negative Amortization	 	Numeric – Decimal	 	0.075	 	9.999999	 	Negatively Amortizing ARMs Only	 	>= 0 and < 1	 	 	 	 
	59	 	Subsequent Periodic Payment Cap	 	The maximum percentage by which a payment can change (increase or decrease) in one period
    after the initial cap. 	 	Negative Amortization	 	Numeric – Decimal	 	0.075	 	9.999999	 	Negatively Amortizing ARMs Only	 	>= 0 and < 1	 	 	 	 
	60	 	Initial Minimum Payment Reset Period	 	The maximum number of months a borrower can initially pay the minimum payment before a new
    minimum payment is determined.	 	Negative Amortization	 	Numeric – Integer	 	12	 	999	 	Negatively Amortizing ARMs Only	 	>= 0 to <=120	 	 	 	 
	61	 	Subsequent Minimum Payment Reset Period	 	The maximum number of months (after the initial period) a borrower can pay the minimum payment
    before a new minimum payment is determined after the initial period.	 	Negative Amortization	 	Numeric – Integer	 	12	 	999	 	Negatively Amortizing ARMs Only	 	>= 0 to <=120	 	 	 	 
	62	 	Option ARM Indicator	 	An indicator of whether the loan is an Option ARM.	 	Negative Amortization	 	Numeric – Integer	 	1	 	99	 	ARMs Only	 	See Coding	 	0 = No

        1 = Yes

        99 = Unknown
	 	 
	63	 	Options at Recast	 	The means of computing the lowest monthly payment available to the borrower after recast.	 	Option ARM	 	Numeric – Integer	 	2	 	99	 	Option ARMs Only	 	N/A	 	1= Fully amortizing 30
        year

        2= Fully amortizing 15
        year

        3=Fully amortizing 40
        year

        4 = Interest-Only

        5 = Minimum Payment

        99= Unknown
	 	 
	64	 	Initial Minimum Payment	 	The initial minimum payment the borrower is permitted to make.	 	Option ARM	 	Numeric – Decimal	 	879.52	 	99	 	Option ARMs Only	 	>=0	 	 	 	 
	65	 	Current Minimum Payment	 	Current Minimum Payment (in dollars).	 	Negative Amortization	 	Numeric – Decimal	 	250	 	9(10).99	 	Option ARMs Only	 	>= 0	 	 	 	 

 

    	 

    	 

    

 

	Field
    Number	 	Field
    Name	 	Field
    Description	 	Type
    of Field	 	Data
    Type	 	Sample
    Data	 	Format	 	When
    Applicable?	 	Valid
    Values	 	Proposed
    Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	66	 	Prepayment Penalty
    Calculation	 	A description of how the prepayment penalty would be calculated
    during each phase of the prepayment penalty term.	 	Prepayment Penalties	 	Numeric – Integer	 	12	 	99	 	Always	 	See Coding	 	See Appendix C	 	 
	67	 	Prepayment Penalty
    Type	 	•
        Hard: The prepayment penalty is incurred regardless of the reason the loan is prepaid in full. 

         

        •
        Hybrid: The prepayment penalty can be characterized as hard for a certain amount of time and as soft during
        another period.    
	 	Prepayment Penalties	 	Numeric – Integer	 	1	 	99	 	All loans with Prepayment Penalties (i.e.,
    loans for which Field 66 = something other than “0”)	 	See Coding	 	1
        = Hard

        2
        = Soft

        3
        = Hybrid

        99
        = Unknown
	 	 
	68	 	Prepayment Penalty
    Total Term	 	The total number of months that the prepayment penalty may be in
    effect.	 	Prepayment Penalties	 	Numeric – Integer	 	60	 	999	 	All loans with Prepayment Penalties (i.e.,
    loans for which Field 66 = something other than “0”)	 	>0 to <=120	 	 	 	 
	69	 	Prepayment Penalty
    Hard Term	 	For hybrid prepayment penalties, the number of months during which
    a “hard” prepayment penalty applies.	 	Prepayment Penalties	 	Numeric – Integer	 	12	 	999	 	Loans with Hybrid Prepayment Penalties
    (i.e., loans for which Field 67 = “3”)	 	>= 0 to <=120	 	 	 	 
	70	 	Primary Borrower ID	 	A lender-generated ID number for the primary borrower on the mortgage	 	Borrower	 	Numeric- Integer	 	123456789	 	999999999	 	Always	 	>0	 	 	 	Used to identify
    the number of times a single borrower appears in a given deal.
	71	 	Number of Mortgaged
    Properties	 	The number of residential properties owned by the borrower that
    currently secure mortgage loans.	 	Borrower	 	Numeric – Integer	 	1	 	99	 	Always	 	> 0	 	 	 	 
	72	 	Total Number of Borrowers	 	The number of Borrowers who are obligated to repay the mortgage
    note.	 	Borrower	 	Numeric – Integers	 	2	 	99	 	Always	 	> 0	 	 	 	 
	73	 	Self-employment Flag	 	An indicator of whether the primary borrower is self-employed.	 	Borrower	 	Numeric – Integer	 	1	 	99	 	Always	 	See Coding	 	0
        = No

        1
        = Yes

        99
        = Unknown
	 	 
	74	 	Current ‘Other’
    Monthly Payment	 	The aggregate of all payments pertaining to the subject property
    other than principal and interest (includes common charges, condo fees, T&I, HOA, etc.), whether escrowed or not.	 	Loan Term and Amortization Type	 	Numeric – Decimal	 	1789.25	 	9(10).99	 	Always	 	> 0	 	 	 	 
	75	 	Length of Employment:
    Borrower	 	The number of years of service with the borrower’s current
    employer as of the date of the loan.	 	Borrower Qualification	 	Numeric – Decimal	 	3.5	 	99.99	 	Always	 	>=0	 	99 = Retired, None employment income soure (social security, trust
    income, dividends, etc.)	 	 
	76	 	Length of Employment:
    Co-Borrower	 	The number of years of service with the co-borrower’s current
    employer as of the date of the loan.	 	Borrower Qualification	 	Numeric – Decimal	 	3.5	 	99.99	 	If “Total Number of Borrowers”
    > 1	 	>= 0	 	99 = Retired, None employment income soure (social security, trust
    income, dividends, etc.)	 	 
	77	 	Years in Home	 	Length of time that the borrower has been at current address.	 	Borrower Qualification	 	Numeric – Decimal	 	14.5	 	99.99	 	Refinances of Primary Residences Only
    (Loan Purpose = 1, 2, 3, 4, 8 or 9)	 	> 0	 	 	 	 
	78	 	FICO Model Used	 	Indicates whether the FICO score was calculated using the Classic,
    Classic 08, or Next Generation model.	 	Borrower Qualification	 	Numeric – Integer	 	1	 	99	 	If a FICO score was obtained	 	See Coding	 	1
        = Classic

        2
        = Classic 08

        3
        = Next Generation

        99
        = Unknown
	 	 
	79	 	Most Recent FICO Date	 	Specifies the date on which the most recent FICO score was obtained	 	Borrower Qualification	 	Date	 	20090914	 	YYYYMMDD	 	If a FICO score was obtained	 	“19010101” if unknown	 	 	 	Issuers unable to Provide may Rep and
    Warrant that the FICO score used for underwriting was not more than 4 months old at the date of issuance.
	80	 	Primary Wage Earner
    Original FICO:  Equifax	 	Equifax FICO score for primary borrower (if applicable).	 	Borrower Qualification	 	Numeric – Integer	 	720	 	9999	 	If a FICO score was obtained	 	>= 350 and <=
    850	 	 	 	 
	81	 	Primary Wage Earner
    Original FICO:  Experian	 	Experian FICO score for primary borrower (if applicable).	 	Borrower Qualification	 	Numeric – Integer	 	720	 	9999	 	If a FICO score was obtained	 	>= 350 and <=
    850	 	 	 	 
	82	 	Primary Wage Earner
    Original FICO:  TransUnion	 	TransUnion FICO score for primary borrower (if applicable).	 	Borrower Qualification	 	Numeric – Integer	 	720	 	9999	 	If a FICO score was obtained	 	>= 350 and <=
    850	 	 	 	 
	83	 	Secondary Wage Earner
    Original FICO:  Equifax	 	Equifax FICO score for Co-borrower (if applicable).	 	Borrower Qualification	 	Numeric – Integer	 	720	 	9999	 	If “Total Number of Borrowers”
    > 1	 	>= 350 and <=
    850	 	 	 	 
	84	 	Secondary Wage Earner
    Original FICO:  Experian	 	Experian FICO score for Co-borrower (if applicable).	 	Borrower Qualification	 	Numeric – Integer	 	720	 	9999	 	If “Total Number of Borrowers”
    > 1	 	>= 350 and <=
    850	 	 	 	 
	85	 	Secondary Wage Earner
    Original FICO: TransUnion	 	TransUnion FICO score for Co-borrower (if applicable).	 	Borrower Qualification	 	Numeric – Integer	 	720	 	9999	 	If “Total Number of Borrowers”
    > 1	 	>= 350 and <=
    850	 	 	 	 
	86	 	Most Recent Primary
    Borrower FICO	 	Most Recent Primary Borrower FICO score used by the lender to approve
    the loan.	 	Borrower Qualification	 	Numeric – Integer	 	720	 	9999	 	If a FICO score was obtained	 	>= 350 and <=
    850	 	 	 	 
	87	 	Most Recent Co-Borrower
    FICO	 	Most Recent Co-Borrower FICO score used by the lender to approve
    the loan.	 	Borrower Qualification	 	Numeric – Integer	 	720	 	9999	 	If “Total Number of Borrowers”
    > 1	 	>= 350 and <=
    850	 	 	 	 
	88	 	Most Recent FICO Method	 	Number of credit repositories used to update the FICO Score.	 	Borrower Qualification	 	Numeric – Integer	 	2	 	9	 	If a FICO score was obtained	 	>0	 	 	 	 
	89	 	VantageScore: Primary
    Borrower	 	Credit Score for the Primary Borrower used to approve the loan and
    obtained using the Vantage credit evaluation model.	 	Borrower Qualification	 	Numeric – Integer	 	720	 	9999	 	If a Vantage Credit Score was obtained	 	>= 501 and <= 990	 	 	 	 
	90	 	VantageScore: Co-Borrower	 	Credit Score for the Co-borrower used to approve the loan and obtained
    using the Vantage credit evaluation model.	 	Borrower Qualification	 	Numeric – Integer	 	720	 	9999	 	If a VantageScore was obtained AND “Total
    Number of Borrowers” > 1	 	>= 501 and <= 990	 	 	 	 
	91	 	Most Recent VantageScore
    Method	 	Number of credit repositories used to update the Vantage Score.	 	Borrower Qualification	 	Numeric – Integer	 	2	 	9	 	If a Vantage Credit Score was obtained	 	>0	 	 	 	 
	92	 	VantageScore Date	 	Date Vantage Credit Score was obtained.	 	Borrower Qualification	 	Date	 	20090914	 	YYYYMMDD	 	If a Vantage Credit Score was obtained	 	“19010101” if unknown	 	 	 	 
	93	 	Credit Report: Longest
    Trade Line	 	The length of time in months that the oldest active trade line,
    installment or revolving, has been outstanding. For a loan with more than one borrower, populate field based on status for
    the primary borrower.	 	Borrower Qualification	 	Numeric – Integer	 	999	 	999	 	Always	 	> =0	 	 	 	Subject to Regulatory
    Confirmation
	94	 	Credit Report: Maximum
    Trade Line	 	The dollar amount for the trade line, installment or revolving,
    with the largest unpaid balance. For revolving lines of credit, e.g. credit card, the dollar amount reported should reflect
    the maximum amount of credit available under the credit line whether used or not. For a loan with more than one borrower,
    populate field based on status for the primary borrower.	 	Borrower Qualification	 	Numeric – Decimal	 	339420.19	 	9(10).99	 	Always	 	>=0	 	 	 	Subject to Regulatory
    Confirmation
	95	 	Credit Report: Number
    of Trade Lines	 	A count of non-derogatory, currently open and active, consumer trade
    lines (installment or revolving) for the borrower. For a loan with more than one borrower, populate field based on status
    for the primary borrower.	 	Borrower Qualification	 	Numeric – Integer	 	57	 	999	 	Always	 	>=0	 	 	 	Subject to Regulatory
    Confirmation
	96	 	Credit Line Usage
    Ratio	 	Sum of credit balances divided by sum of total open credit available.	 	Borrower Qualification	 	Numeric – Decimal	 	0.27	 	9.999999	 	Always	 	>= 0 and <= 1	 	 	 	Subject to Regulatory
    Confirmation
	97	 	Most Recent 12-month
    Pay History	 	String indicating the payment status per month listed from oldest
    to most recent.	 	Borrower Qualification	 	Text	 	77X123200001	 	X(12)	 	Always	 	See Coding	 	0
        = Current

        1
        = 30-59 days delinquent

        2
        = 60-89 days delinquent

        3
        = 90-119 days delinquent

        4
        = 120+ days delinquent

        5
        = Foreclosure

        6
        = REO

        7
        = Loan did not exist in period

        X
        = Unavailable
	 	 
	98	 	Months Bankruptcy	 	Number of months since any borrower was discharged from bankruptcy.
    (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program—have
    passed since most recent discharge from bankruptcy.)	 	Borrower Qualification	 	Numeric – Integer	 	12	 	999	 	If Borrower has ever been in Bankruptcy	 	>= 0	 	 	 	Blank = Borrower is not known to have
    been in bankruptcy
	99	 	Months Foreclosure	 	Number of months since foreclosure sale date. (Issuers unable
    to provide this information may rep and warrant that at least x years—as specified in the loan program— have passed
    since most recent foreclosure.)	 	Borrower Qualification	 	Numeric – Integer	 	12	 	999	 	If Borrower has ever been in Foreclosure	 	>= 0	 	 	 	Blank = Borrower is not known to have
    been in foreclosure
	100	 	Primary Borrower Wage
    Income	 	Monthly base wage income for primary borrower.	 	Borrower Qualification	 	Numeric – Decimal	 	9000	 	9(9).99	 	Always	 	>= 0	 	 	 	 
	101	 	Co-Borrower Wage Income	 	Monthly base wage income for all other borrowers.	 	Borrower Qualification	 	Numeric – Decimal	 	9000	 	9(9).99	 	If “Total Number of Borrowers”
    > 1	 	>= 0	 	 	 	 
	102	 	Primary Borrower Other
    Income	 	Monthly Other (non-wage) income for primary borrower. (This figure
    should include net rental income and be reduced by any net rental loss.)	 	Borrower Qualification	 	Numeric – Decimal	 	9000	 	9(9).99	 	Always	 	>= 0	 	 	 	 
	103	 	Co-Borrower Other
    Income	 	Monthly Other (non-wage) income for all other borrowers. (This figure
    should include net rental income and be reduced by any net rental loss.)	 	Borrower Qualification	 	Numeric – Decimal	 	9000	 	9(9).99	 	If “Total Number of Borrowers”
    > 1	 	>= 0	 	 	 	 
	104	 	All Borrower Wage
    Income	 	Monthly income of all borrowers derived from base salary only.	 	Borrower Qualification	 	Numeric – Decimal	 	9000	 	9(9).99	 	Always	 	>= 0	 	 	 	 
	105	 	All Borrower Total
    Income	 	Monthly income of all borrowers derived from base salary, commission,
    tips and gratuities, overtime and bonuses, part-time or second-job earnings, alimony, child support, interest and dividend
    income, notes receivable, trust income, net rental income, retirement income, social security, veterans income, military
    income, foster care income, and self-employed income.	 	Borrower Qualification	 	Numeric – Decimal	 	9000	 	9(9).99	 	Always	 	>= 0	 	 	 	 
	106	 	4506-T Indicator	 	A yes/no indicator of whether a Transcript of Tax Return (received
    pursuant to the filing of IRS Form 4506-T) was obtained and considered.	 	Borrower Qualification	 	Numeric – Integer	 	1	 	99	 	Always	 	See Coding	 	0
        = No

        1
        = Yes

        99
        = Unknown
	 	 
	107	 	Borrower Income Verification
    Level	 	A code indicating the extent to which the borrower’s income
    has been verified:	 	Borrower Qualification	 	Numeric – Integer	 	1	 	9	 	Always	 	See Coding		1 = Not Stated, Not Verified	 	 
	 	 	 	 	Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS*
    (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried) Level 5 Income Verification = 24 months income
    verification (W-2s, pay stubs, bank statements and/or tax returns**) *For self-employed borrowers: Level 4 Income
    Verification:

    • 2 Years Tax Returns

    • Self-prepared tax returns (regardless of 4506 and tax transcripts)

    ** For self-employed borrowers: Level 5 Income Verification:

    • 2 Years tax returns

    • Tax returns prepared and not executed by a CPA, with 

          o CPA name & phone number shown on the Preparer section of the tax return

          o Executed 4506 and tax transcripts (matching returns in file) 

    • Tax returns prepared and executed by a CPA (regardless of 4506 and tax transcripts)	 	 	 	 	 	 	 	 	 	 	 	 	 	2 = Stated, Not Verified
        3
        = Stated, “Partially” Verified

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

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

 

    	 

    	 

    

 

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	108	 	Co-Borrower Income Verification	 	A code indicating the extent to which the co-borrower’s income has been verified:  
    Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if
    salaried)   Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax
    returns**) *For self-employed borrowers:  Level 4 Income Verification:
 • 2 Years Tax Returns
 • Self-prepared
    tax returns (regardless of 4506 and tax transcripts)
 ** For self-employed borrowers: Level 5 Income Verification:

    • 2 Years tax returns
 • Tax returns prepared and not executed by a CPA, with 
          
    o CPA name & phone number shown on the Preparer section of the tax return
          
    o Executed 4506 and tax transcripts (matching returns in file)  
 • Tax returns prepared and executed by a CPA 
    (regardless of 4506 and tax transcripts)	 	Borrower Qualification	 	Numeric – Integer	 	2	 	9	 	If “Total Number of Borrowers” > 1	 	See Coding	 	1 = Not Stated, Not Verified 

        2 = Stated, Not Verified 

        3 = Stated, “Partially”
Verified 

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

        5 = Stated, “Level
        5” Verified (as defined) 
	 	 
	109	 	Borrower Employment Verification	 	A code indicating the extent to which the primary borrower’s employment has been verified:
       Level 3 Verified = Direct Independent Verification with a third party of the borrower’s current employment.
     	 	Borrower Qualification	 	Numeric – Integer	 	2	 	9	 	Always	 	See Coding	 	1 = Not Stated, Not Verified  2 = Stated, Not Verified  3 = Stated, Level 3 Verified
    (as defined)  	 	 
	110	 	Co-Borrower Employment Verification	 	A code indicating the extent to which the co-borrower’s employment has been verified:
        Level 3 Verified = Direct Independent Verification with a third party of the co-borrower’s current
    employment.	 	Borrower Qualification	 	Numeric – Integer	 	1	 	9	 	If “Total Number of Borrowers” > 1	 	See Coding	 	1 = Not Stated, Not Verified  2 = Stated, Not Verified  3 = Stated, Level 3 Verified
    (as defined)	 	 
	111	 	Borrower Asset Verification	 	A code indicating the
        extent to which the primary borrower’s assets used to qualify the loan have been verified:

           Level 4 Verified
= 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).  
	 	Borrower Qualification	 	Numeric – Integer	 	3	 	9	 	Always	 	See Coding	 	1 = Not Stated, Not Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, Level 4 Verified
        (as defined)
	 	 
	112	 	Co-Borrower Asset Verification	 	A code indicating the
        extent to which the co-borrower’s assets used to qualify the loan have been verified:  

        Level 4 = 2 months of
        bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).  
	 	Borrower Qualification	 	Numeric – Integer	 	2	 	9	 	If “Total Number of Borrowers” > 1	 	See Coding	 	1 = Not Stated, Not Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, Level 4 Verified
        (as defined)
	 	 
	113	 	Liquid / Cash Reserves	 	The actual dollar amount of remaining verified liquid assets after settlement. (This should
    not include cash out amount of subject loan.)	 	Borrower Qualification	 	Numeric – Decimal	 	3242.76	 	9(9).99	 	Always	 	>= 0	 	 	 	 
	114	 	Monthly Debt All Borrowers	 	The aggregate monthly payment due on other debt (excluding only installment loans with fewer
    than 10 payments remaining and other real estate loans used to compute net rental income— which is added/subtracted
    in the income fields).	 	Borrower Qualification	 	Numeric – Decimal	 	3472.43	 	9(9).99	 	Always	 	>= 0	 	 	 	 
	115	 	Originator DTI	 	Total Debt to income ratio used by the originator to qualify the loan.	 	Borrower Qualification	 	Numeric – Decimal	 	0.35	 	9.999999	 	Always	 	>= 0 and >= 1	 	 	 	 
	116	 	Fully Indexed Rate	 	The fully indexed interest rate as of securitization cut-off.	 	Borrower Qualification	 	Numeric – Decimal	 	0.0975	 	9.999999	 	ARMs Only	 	>= 0 and >= 1	 	 	 	 
	117	 	Qualification Method	 	Type of mortgage payment used to qualify the borrower for the loan.	 	Borrower Qualification	 	Numeric – Integer	 	3	 	99	 	Always	 	See Coding	 	1 = Start Rate

        2 = First Year Cap Rate

        3 = I/O Amount

        4 = Fully Indexed

        5 = Min Payment

        98 = Other

        99 = Unknown
	 	 
	118	 	Percentage of Down Payment from Borrower Own
    Funds	 	Include only borrower funds, do not include any gift or borrowed funds. (Issuers may provide
    the actual percentage for each loan, or the guideline percentage and note departure concentration on the transaction summary.)	 	Borrower Qualification	 	Numeric – Decimal	 	0.5	 	9.999999	 	Purchase Loans Only	 	>= 0 and >= 1	 	 	 	 
	119	 	City	 	The name of the city.	 	Subject Property	 	Text	 	New York	 	X(45)	 	Always	 	Unk=Unknown	 	 	 	 
	120	 	State	 	The name of the state as a 2-digit Abbreviation.	 	Subject Property	 	Text	 	NY	 	XX	 	Always	 	See Coding	 	See Appendix H	 	 
	121	 	Postal Code	 	The postal code (zip code in the US) where the subject property is located.	 	Subject Property	 	Text	 	10022	 	X(5)	 	Always	 	Unk=Unknown	 	 	 	 
	122	 	Property Type	 	Specifies the type of property being used to secure the loan.	 	Subject Property	 	Numeric – Integer	 	11	 	99	 	Always	 	See Coding	 	See Appendix D	 	 
	123	 	Occupancy	 	Specifies the property occupancy status (e.g., owner-occupied, investment property, second
    home, etc.).	 	Subject Property	 	Numeric – Integer	 	4	 	9	 	Always	 	See Coding	 	See Appendix E	 	 
	124	 	Sales Price	 	The negotiated price of a given property between the buyer and seller.	 	Subject Property	 	Numeric – Decimal	 	450000.23	 	9(10).99	 	Purchase Loans Only	 	> 0	 	 	 	 
	125	 	Original Appraised Property Value	 	The appraised value of the property used to approve the loan.	 	Subject Property	 	Numeric – Decimal	 	550000.23	 	9(10).99	 	Always	 	> 0	 	 	 	 
	126	 	Original Property Valuation Type	 	Specifies the method by which the property value (at the time of underwriting) was reported.	 	Subject Property	 	Numeric – Integer	 	8	 	99	 	Always	 	See Coding	 	See Appendix F	 	 
	127	 	Original Property Valuation Date	 	Specifies the date on which the original property value (at the time of underwriting) was
    reported. (Issuers unable to provide may Rep and Warrant that the appraisal used for underwriting was not more than x days
    old at time of loan closing.)	 	Subject Property	 	Date	 	20090914	 	YYYYMMDD	 	Always	 	“19010101” if unknown	 	 	 	 
	128	 	Original Automated Valuation Model (AVM) Model
    Name	 	The name of the AVM Vendor if an AVM was used to determine the original property valuation.	 	Subject Property	 	Numeric – Integer	 	1	 	99	 	Always	 	See Appendix I	 	See Appendix I	 	 
	129	 	Original AVM Confidence Score	 	The confidence range presented on the AVM report.	 	Subject Property	 	Numeric – Decimal	 	0.74	 	9.999999	 	If AVM Model Name (Field 127) > 0	 	>= 0 to <= 1	 	 	 	 
	130	 	Most Recent Property Value[1]	 	If a valuation was obtained subsequent to the valuation used to calculate LTV, the most recent
    property value.	 	Subject Property	 	Numeric – Decimal	 	500000	 	9(10).99	 	If updated value was obtained subsequent to loan approval	 	> 0	 	 	 	 
	131	 	Most Recent Property Valuation Type	 	If an additional property valuation was obtained after the valuation used for underwriting
    purposes, the method by which the property value was reported.	 	Subject Property	 	Numeric – Integer	 	6	 	9	 	If updated value was obtained subsequent to loan approval	 	See Coding	 	See Appendix F	 	 
	132	 	Most Recent Property Valuation Date	 	Specifies the date on which the updated property value was reported.	 	Subject Property	 	Date	 	20090914	 	YYYYMMDD	 	If updated value was obtained subsequent to loan approval	 	“19010101” if unknown	 	 	 	 
	133	 	Most Recent AVM Model Name	 	The name of the AVM Vendor if an AVM was used to determine the updated property valuation.	 	Subject Property	 	Numeric – Integer	 	19	 	99	 	If updated value was obtained subsequent to loan approval	 	See Coding	 	See Appendix I	 	 
	134	 	Most Recent AVM Confidence Score	 	If AVM used to determine the updated property valuation, the confidence range presented on
    the AVM report.	 	Subject Property	 	Numeric – Decimal	 	0.85	 	9.999999	 	If “Most Recent AVM Model Name” > 0	 	>= 0 to <= 1	 	 	 	 
	135	 	Original CLTV	 	The ratio obtained by dividing the amount of all known outstanding mortgage liens on a property
    at origination by the lesser of the appraised value or the sales price.  The value is then truncated to four decimal
    places.	 	Loan-to-Value (LTV)	 	Numeric – Decimal	 	0.96	 	9.999999	 	Always	 	>= 0 and <= 1.5	 	 	 	 
	136	 	Original LTV	 	The ratio obtained by dividing the original mortgage loan amount on the note date by the
    lesser of the mortgaged property’s appraised value on the note date or its purchase price.  The value is then truncated
    to four decimal places.	 	Loan-to-Value (LTV)	 	Numeric – Decimal	 	0.8	 	9.999999	 	Always	 	>= 0 and <= 1.25	 	 	 	 
	137	 	Original Pledged Assets	 	The total value of assets pledged as collateral for the loan at the time of origination.
    Pledged assets may include cash or marketable securities.	 	Loan-to-Value (LTV)	 	Numeric – Decimal	 	75000	 	9(10).99	 	Always	 	>=0	 	 	 	 
	138	 	Mortgage Insurance Company Name	 	The name of the entity providing mortgage insurance for a loan.	 	Mortgage Insurance	 	Numeric – Integer	 	3	 	99	 	Always	 	See Coding	 	See Appendix G	 	 
	139	 	Mortgage Insurance Percent	 	Mortgage Insurance coverage percentage.	 	Mortgage Insurance	 	Numeric – Decimal	 	0.25	 	9.999999	 	“Mortgage Insurance Company Name” > 0	 	>= 0 to <= 1	 	 	 	 
	140	 	MI: Lender or Borrower Paid?	 	An indicator of whether mortgage insurance is paid by the borrower or the lender.	 	Mortgage Insurance	 	Numeric – Integer	 	1	 	99	 	“Mortgage Insurance Company Name” > 0	 	See Coding	 	1 = Borrower-Paid

        2 = Lender- Paid

        99 = Unknown
	 	 

 

    	 

    	 

    

 

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	141	 	Pool Insurance Co. Name	 	Name of pool insurance provider.	 	Mortgage Insurance	 	Numeric – Integer	 	8	 	99	 	Always	 	See Coding	 	See Appendix G	 	 
	142	 	Pool Insurance Stop Loss %	 	The aggregate amount that a pool insurer will pay, calculated as a percentage of the pool
    balance.	 	Mortgage Insurance	 	Numeric – Decimal	 	0.25	 	9.999999	 	Pool MI Company > 0	 	>= 0 to <= 1	 	 	 	 
	143	 	MI Certificate Number	 	The unique number assigned to each individual loan insured under an MI policy.	 	Mortgage Insurance	 	Text	 	123456789G	 	X(20)	 	MI Company	 	UNK = Unknown	 	 	 	 
	 	 	 	 	 	 	 	> 0	 	 	 
	144	 	Updated
        DTI

        (Front-end)
	 	Updated front-end DTI ratio (total monthly housing expense divided by total monthly income)
    used to qualify the loan modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.35	 	9.999999	 	Modified Loans Only	 	>= 0 and >= 1	 	 	 	 
	145	 	Updated DTI
 (Back-end)	 	Updated back-end DTI ratio (total monthly debt expense divided by total monthly income) used
    to qualify the loan modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.35	 	9.999999	 	Modified Loans Only	 	>= 0 and >= 1	 	 	 	 
	146	 	Modification Effective Payment Date	 	Date of first payment due post modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Date	 	20090914	 	YYYYMMDD	 	Modified Loans Only	 	“19010101” if unknown	 	 	 	 
	147	 	Total Capitalized Amount	 	Amount added to the principal balance of a loan due to the modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	148	 	Total Deferred Amount	 	Any non-interest-bearing deferred amount (e.g., principal, interest and fees).	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	149	 	Pre-Modification Interest (Note) Rate	 	Scheduled Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment
    Date.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.075	 	9.999999	 	Modified Loans Only	 	>= 0 to <= 1	 	 	 	 
	150	 	Pre-Modification P&I Payment	 	Scheduled Total Principal And Interest Payment Amount Preceding The Modification Effective
    Payment Date – or if servicer is no longer advancing P&I, the payment that would be in effect if the loan were current.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	2310.57	 	9(10).99	 	Modified Loans Only	 	> 0	 	 	 	 
	151	 	Pre-Modification Initial Interest Rate Change
    Downward Cap	 	Maximum amount the rate can adjust downward on the first interest rate adjustment date (prior
    to modification) – Only provide if the rate floor is modified.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.015	 	9.999999	 	Modified Loans Only	 	>= 0 to <= 1	 	 	 	 
	152	 	Pre-Modification Subsequent Interest Rate Cap	 	Maximum increment the rate can adjust upward AFTER the initial rate adjustment (prior to
    modification) – Only provide if the Cap is modified.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.015	 	9.999999	 	Modified Loans Only	 	>= 0 to <= 1	 	 	 	 
	153	 	Pre-Modification Next Interest Rate Change
    Date	 	Next Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment
    due date).	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Date	 	20090914	 	YYYYMMDD	 	Modified Loans Only	 	“19010101” if unknown	 	 	 	 
	154	 	Pre-Modification I/O Term	 	Interest Only Term (in months) preceding The Modification Effective Payment Date.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Integer	 	36	 	999	 	Modified Loans Only	 	>= 0 to <= 120	 	 	 	 
	155	 	Forgiven Principal Amount	 	The sum total of all principal balance reductions (as a result of loan modification) over
    the life of the loan.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	156	 	Forgiven Interest Amount	 	The sum total of all interest incurred and forgiven (as a result of loan modification) over
    the life of the loan.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	157	 	Number of Modifications	 	The number of times the loan has been modified.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Integer	 	1	 	9	 	Modified Loans Only	 	>= 0	 	 	 	 
	158	 	Cash To/From Brrw at Closing	 	Indicates the amount of cash the borrower(s) paid into or received at closing. 
 

    [HUD-1 Bottom Line] + [Earnest money] + [Paid Outside Closing Items]	 	 	 	Numeric – Decimal	 	100000.01	 	9(10).99	 	 	 	 	 	 	 	 
	159	 	Brrw - Yrs at in Industry	 	Number of years the primary borrower has been working in their current industry	 	 	 	Numeric – Decimal	 	9.9	 	9.999999	 	 	 	 	 	 	 	 
	160	 	CoBrrw - Yrs at in Industry	 	Number of years the co-borrower has been working in their current industry	 	 	 	Numeric – Decimal	 	8	 	9.999999	 	 	 	 	 	 	 	 
	161	 	Junior Mortgage Drawn Amount	 	Applicable if the subject loan is a first mortgage.   At the time of origination
    for the subject loan, the sum of the outstanding balance(s) for any junior mortgages (HELOCs and closed-end).	 	 	 	Numeric – Decimal	 	100000.01	 	9(10).99	 	 	 	 	 	 	 	 
	162	 	Maturity Date	 	Maturity date of mortgage	 	 	 	Date	 	20420501	 	YYYYMMDD	 	 	 	 	 	 	 	 
	163	 	Primary Borrower Wage Income (Salary)	 	The primary borrower's salary wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	164	 	Primary Borrower Wage Income (Bonus)	 	The primary borrower's bonus wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	165	 	Primary Borrower Wage Income (Commission)	 	The primary borrower's commission wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	166	 	Co-Borrower Wage Income (Salary)	 	The coborrower's salary wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	167	 	Co-Borrower Wage Income (Bonus)	 	The coborrower's bonus wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	168	 	Co-Borrower Wage Income (Commission)	 	The coborrower's commission wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	169	 	Originator Doc Code	 	Documentation Code value as presented by the seller.	 	 	 	Text	 	Full	 	XXXX	 	 	 	 	 	 	 	 
	170	 	RWT Income Verification	 	Internal Redwood Derived field.  Due Diligence / Trade Desk derived value indicating
    the level of primary borrower asset verification	 	 	 	Text	 	2 Years	 	XXXX	 	 	 	 	 	 	 	 
	171	 	RWT Asset Verification	 	Internal Redwood Derived field.  Due Diligence / Trade Desk derived value indicating
    the level of primary borrower Income verification	 	 	 	Text	 	2 Months	 	XXXX	 	 	 	 	 	 	 	 
	MH-1	 	Real Estate Interest	 	Indicates whether the property on which the manufactured home is situated is owned outright
    or subject to the terms of a short- or long-term lease. (A long-term lease is defined as a lease whose term is greater than
    or equal to the loan term.)	 	Manufactured Housing	 	Numeric – Integer	 	2	 	99	 	Manufactured Housing Loans Only	 	See Coding	 	1 = Owned

        2 = Short-term lease

        3 = Long-term lease

        99 = Unavailable
	 	 
	MH-2	 	Community Ownership Structure	 	If the manufactured home is situated in a community, a means of classifying ownership of
    the community.	 	Manufactured Housing	 	Numeric – Integer	 	2	 	99	 	Manufactured Housing Loans Only	 	See Coding	 	1 = Public Institutional

        2 = Public Non-Institutional
        3 = Private Institutional

        4 = Private Non-Institutional

        5 = HOA-Owned

        6 = Non-Community

        99 = Unavailable
	 	 
	MH-3	 	Year of Manufacture	 	The year in which the home was manufactured (Model Year — YYYY Format). Required only
    in cases where a full appraisal is not provided.	 	Manufactured Housing	 	Numeric – Integer	 	2006	 	YYYY	 	Manufactured Housing Loans Only	 	1901 = Unavailable	 	 	 	 
	MH-4	 	HUD Code Compliance  Indicator (Y/N)	 	Indicates whether the home was constructed in accordance with the 1976 HUD code. In general,
    homes manufactured after 1976 comply with this code.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	9	 	Manufactured Housing Loans Only	 	See Codes	 	0 = No

        1 = Yes

        99 = Unavailable
	 	 
	MH-5	 	Gross Manufacturer’s Invoice Price	 	The total amount that appears on the manufacturer’s invoice (typically includes intangible
    costs such as transportation, association, on-site setup, service and warranty costs, taxes, dealer incentives, and other
    fees).	 	Manufactured Housing	 	Numeric – Decimal	 	72570.62	 	9(10).99	 	Manufactured Housing Loans Only	 	>= 0	 	 	 	 
	MH-6	 	LTI (Loan-to-Invoice) Gross	 	The ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field
    MH-5).	 	Manufactured Housing	 	Numeric – Decimal	 	0.75	 	9.999999	 	Manufactured Housing Loans Only	 	>= 0 to <= 1	 	 	 	 
	MH-7	 	Net Manufacturer’s Invoice Price	 	The Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible
    costs, including: transportation, association, on-site setup, service, and warranty costs, taxes, dealer incentives, and other
    fees.	 	Manufactured Housing	 	Numeric – Decimal	 	61570.62	 	9(10).99	 	Manufactured Housing Loans Only	 	>= 0	 	 	 	 
	MH-8	 	LTI (Net)	 	The ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field
    MH-7).	 	Manufactured Housing	 	Numeric – Decimal	 	0.62	 	9.999999	 	Manufactured Housing Loans Only	 	>= 0 to <= 1	 	 	 	 
	MH-9	 	Manufacturer Name	 	The manufacturer of the subject property. (To be applied only in cases where no appraised
    value/other type of property valuation is available.)	 	Manufactured Housing	 	Text	 	“XYZ Corp”	 	Char (100)	 	Manufactured Housing Loans Only (where no appraised value is provided)	 	MH Manufacturer name in double quotation marks	 	 	 	 
	MH-10	 	Model Name	 	The model name of the subject property. (To be applied only in cases where no appraised
    value/other type of property valuation is available.)	 	Manufactured Housing	 	Text	 	“DX5-916-X”	 	Char (100)	 	Manufactured Housing Loans Only (where no appraised value is provided)	 	MH Model name in double quotation marks	 	 	 	 
	MH-11	 	Down Payment Source	 	An indicator of the source of the down payment used by the borrower to acquire the property
    and qualify for the mortgage.	 	Manufactured Housing	 	Numeric – Integer	 	2	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	1 = Cash

        2 = Proceeds from trade
        in

        3 = Land in Lieu

        4 = Other

        99 = Unavailable
	 	 
	MH-12	 	Community/Related Party Lender (Y/N)	 	An indicator of whether the loan was made by the community owner, an affiliate of the community
    owner or the owner of the real estate upon which the collateral is located.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = No 
 1 = Yes 
 99 = Unavailable	 	 
	MH-13	 	Defined Underwriting Criteria (Y/N)	 	An indicator of whether the loan was made in accordance with a defined and/or standardized
    set of underwriting criteria.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = No 
 1 = Yes 
 99 = Unavailable	 	 
	MH-14	 	Chattel Indicator	 	An Indicator of whether the secured property is classified as chattel or Real Estate.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = Real Estate 
 1 = Chattel  
 99 = Unavailable	 	 

 

    	 

    	 

    

 

ATTACHMENT 2

 

PURCHASE AGREEMENT

 

Refer to Exhibit 10.19 to Form 8-K
filed by the Issuing Entity on September 24, 2012EXHIBIT 10.10 

 

EXECUTION COPY

 

SEQUOIA MORTGAGE TRUST 2012-4

MORTGAGE PASS-THROUGH CERTIFICATES

 

MORTGAGE LOAN PURCHASE AND SALE AGREEMENT

 

Between

 

REDWOOD RESIDENTIAL ACQUISITION CORPORATION,

 

and

 

SEQUOIA RESIDENTIAL FUNDING, INC.

 

dated as of September 21, 2012

 

    	 

    	 

    

 

MORTGAGE LOAN PURCHASE AND SALE AGREEMENT

 

This Mortgage Loan
Purchase and Sale Agreement (the “Agreement”) is made as of September 21, 2012, by and between Redwood Residential
Acquisition Corporation, a Delaware corporation (“RRAC”), and Sequoia Residential Funding, Inc., a Delaware
corporation (“Sequoia”).

 

WHEREAS, the parties
hereto desire to provide for the purchase and sale of the Mortgage Loans on the date hereof (the “Closing Date”)
in accordance with the terms and conditions set forth in this Agreement.

 

NOW, THEREFORE, the
parties in consideration of good and valuable and fair consideration, the receipt and sufficiency of which is hereby acknowledged,
and intending to be legally bound, hereby agree as follows:

 

Section 1.      Representations
and Warranties of RRAC and Sequoia.  RRAC and Sequoia, each as to itself and not the other, hereby represents, warrants
and agrees for the benefit of the other party that:

 

(a)           Authorization.  The
execution, delivery and performance of this Agreement by it are within its respective powers and have been duly authorized by all
necessary action on its part.

 

(b)           No
Conflict.  The execution, delivery and performance of this Agreement will not violate or conflict with (i) its charter
or bylaws, (ii) any resolution or other corporate action by it, or (iii) any decisions, statutes, ordinances, rulings, directions,
rules, regulations, orders, writs, decrees, injunctions, permits, certificates or other requirements of any court or other governmental
or public authority in any way applicable to or binding upon it, and will not result in or require the creation, except as provided
in or contemplated by this Agreement, of any lien, mortgage, pledge, security interest, charge or encumbrance of any kind upon
the Mortgage Loans.

 

(c)           Binding
Obligation.  This Agreement has been duly executed by it and is its legally valid and binding obligation, enforceable
against it in accordance with this Agreement’s terms, except as enforceability may be limited by bankruptcy, insolvency,
reorganization, moratorium or similar laws affecting creditors’ rights generally, and by general principles of equity.

 

    	 

    	 

    

 

Section 2.     Additional
Representations, Warranties and Agreements of RRAC.

 

(a)          Title
and Mortgage Loan Schedule. RRAC represents and warrants to, and agrees with, Sequoia that (i) on the Closing Date, RRAC will
have good, valid and marketable title to the mortgage loans identified on Schedule A hereto (the “Mortgage Loans”),
in each case free and clear of all liens, mortgages, deeds of trust, pledges, security interests, charges, encumbrances or other
claims; (ii) upon transfer to Sequoia, Sequoia will receive good, valid and marketable title to all of the Mortgage Loans, in each
case free and clear of any liens, mortgages, deeds of trust, pledges, security interests, charges, encumbrances or other claims;
and (iii) (1) as to each Mortgage Loan that is not a Mortgage Loan originated by First Republic Bank (“First Republic”)
and purchased by RRAC from Barclays Bank PLC (an “FRB Barclays Loan”), as of the date on which RRAC purchased
such Mortgage Loan from American Pacific Mortgage Corporation (“American Pacific”), Benchmark Bank (“Benchmark”),
Cole Taylor Bank (“Cole Taylor”), Colonial Savings, F.A. (“Colonial”), Cornerstone Mortgage
Company (“Cornerstone”), Embrace Home Loans, Inc. (“Embrace”), Evergreen Moneysource Mortgage
Company dba Evergreen Home Loans (“Evergreen”), First Choice Loan Services, Inc. (“First Choice”),
First Republic, Flagstar Capital Markets Corporation (“Flagstar”), Franklin American Mortgage Company (“Franklin”),
Fremont Bank (“Fremont”), Fulton Bank, National Association (“Fulton”), GuardHill Financial
Corporation (“GuardHill”), Guild Mortgage Company (“Guild”), The Huntington National Bank
(“Huntington”), Megastar Financial Corporation (“Megastar”), Monarch Bank (“Monarch”),
Plaza Home Mortgage, Incorporated (“Plaza”), PHH Mortgage Corporation (“PHH”), PrimeLending,
a PlainsCapital Company (“PrimeLending”), Provident Savings Bank (“Provident”), Simonich
Corporation, dba Bank of Commerce Mortgage (“Simonich”), Sterling Savings Bank (“Sterling”),
Stifel Bank and Trust (“Stifel”), Umpqua Bank (“Umpqua”), United Shore Financial Services,
LLC (“United Shore”) or Wintrust Mortgage, a division of Barrington Bank and Trust Company, N.A. (“Wintrust”),
as applicable (each, an “Originator”), and (2) as to each FRB Barclays Loan, as of the date on which Barclays
Bank PLC purchased such Mortgage Loan from First Republic, the information set forth in the Mortgage Loan Schedule in the fields
identified as “Document Type,” “Monthly Income” and “Assets Verified” is complete, true and
correct in all material respects.

 

(b)          Additional
Representations. RRAC represents and warrants to, and agrees with, Sequoia that, as of the Closing Date:

 

(i)          
As to each Mortgage Loan, the lien of the Mortgage is free and clear of all adverse claims, liens and encumbrances having priority
over the first lien of the Mortgage subject only to (1) the lien of non-delinquent current real property taxes and assessments
not yet due and payable, (2) covenants, conditions and restrictions, rights of way, easements and other matters of the public record
as of the date of recording which are acceptable to mortgage lending institutions generally and which do not adversely affect the
appraised value of the Mortgaged Property as set forth in such appraisal and (3) other matters to which like properties are commonly
subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use,
enjoyment, value or marketability of the related Mortgaged Property.

 

(ii)         As
to each Mortgage Loan transferred to RRAC pursuant to the PHH Agreement, the related Mortgaged Property is located in the U.S.
or a territory of the U.S. and consists of a one- to four-unit residential property, which may include, but is not limited to,
a single-family dwelling, townhouse, condominium unit, or unit in a planned unit development or, in the case of a Cooperative Loan
(as defined in the PHH Agreement), one or more leases or occupancy agreements.

 

    	2

    	 

    

 

(iii)        To
the actual knowledge of RRAC, each Mortgage Loan constitutes a “qualified mortgage” under Section 860G(a)(3)(A) of
the Code and Treasury Regulation Section 1.860-2(a)(1).

 

(iv)        As
of the Closing Date, the most recent FICO score listed on the Mortgage Loan Schedule was no more than four months old.

 

(v)         As
to each Mortgage Loan transferred to RRAC pursuant to the PrimeLending Agreement, the Sterling Agreement or the Wintrust Agreement,
no Mortgage Loan is subject to a lost note affidavit.

 

(vi)        As
to each Mortgage Loan, with respect to any hazard or mortgage insurance covering such a Mortgage Loan and the related Mortgaged
Property, the Originator has not engaged in, and RRAC has no knowledge of the Mortgagor’s having engaged in any act or omission
that would impair the coverage of any such policy, the benefits of the endorsement, or the validity and binding effect of either,
including without limitation, no unlawful fee, commission, kickback, or other unlawful compensation or value of any kind as has
been or will be received, retained or realized by any attorney, firm or other person or entity, and no such unlawful items have
been received, retained or realized by the Originator.

 

(vii)       As
to each Mortgage Loan subject to the Flow Mortgage Loan Sale and Servicing Agreement dated as of July 1, 2010, between RRAC and
First Republic, as amended by the Assignment, Assumption and Recognition Agreement dated September 21, 2012 among RRAC, Sequoia,
the Trustee and First Republic (the “FRB Agreement”), no fraud or material error, omission, misrepresentation,
negligence or similar occurrence with respect to a Mortgage Loan has taken place on the part of the Originator, any correspondent
or mortgage broker involved in the origination of such Mortgage Loan, the Mortgagor, or any appraiser or other party involved in
the origination of the Mortgage Loan or in the application of any insurance in relation to such Mortgage Loan.

 

(viii)      As
to each Mortgage Loan subject to the FRB Agreement, the servicing of such Mortgage Loan prior to the Closing Date complied in all
material respects with all then-applicable federal, state and local laws.

 

(ix)         As
to each Mortgage Loan that is secured by a long-term residential lease (a “Lease”):

 

(A)         The
terms of the Lease expressly permit the mortgaging of the leasehold estate, the assignment of the Lease without the lessor’s
consent (or the lessor’s consent has been obtained and is in the Mortgage File), and the acquisition by the holder of the
Mortgage of the rights of the lessee upon foreclosure or assignment in lieu of foreclosure or provide the holder of the Mortgage
with substantially similar protection.

 

    	3

    	 

    

 

(B)         The
terms of the Lease do not allow the termination thereof upon the lessee’s default without the holder of the Mortgage being
entitled to receive written notice, and opportunity to cure, such default or prohibit the holder of the Mortgage from being insured
under the hazard insurance policy related to the Mortgaged Property.

 

(C)         The
original term of the Lease is not less than 15 years and the Lease does not terminate by its terms prior to at least five years
from the maturity date of the Mortgage Loan.

 

(D)         The
Mortgaged Property is located in a jurisdiction in which the use of leasehold estates for residential properties is an accepted
practice.

 

(x)          As
to each Mortgage Loan subject to the Huntington Agreement, there is no homestead or other exemption available to the Mortgagor
which would interfere with the right to sell the Mortgaged Property at a trustee’s sale or the right to foreclose on the
Mortgage.

 

(c)         Security
Interest Matters. RRAC hereby represents and warrants for the benefit of Sequoia and the Trustee (as defined in the Pooling
and Servicing Agreement, dated as of September 1, 2012 (as in effect on the date of execution hereof, the “Pooling and
Servicing Agreement”) among Sequoia, as depositor, Wells Fargo Bank, N.A., as master servicer and securities administrator,
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee) (as assignee of Sequoia):  (i)
Section 5 of this Agreement creates a valid and continuing security interest (as defined in the applicable UCC) in the Mortgage
Loans in favor of Sequoia, which security interest is prior to all other Liens, and is enforceable as such as against creditors
of and purchasers from RRAC; (ii) the Mortgage Notes constitute “instruments” within the meaning of the applicable
UCC; (iii) RRAC, immediately prior to its transfer of Mortgage Loans under this Agreement, will own and have good, valid and marketable
title to the Mortgage Loans free and clear of any Lien, claim or encumbrance of any Person; (iv) RRAC has received all consents
and approvals required by the terms of the Mortgage Loans to the sale of the Mortgage Loans hereunder to Sequoia; (v) all original
executed copies of each Mortgage Note that constitute or evidence the Mortgage Loans have been delivered to the Custodian (as assignee
of Sequoia); (vi) RRAC has received a written acknowledgment from the Custodian that such Custodian is holding the Mortgage Notes
that constitute or evidence the Mortgage Loans solely on behalf and for the benefit of Sequoia or its assignee; (vii) other than
the ownership or security interest granted to Sequoia pursuant to this Agreement and security interests granted to lenders which
will be automatically released on the Closing Date, RRAC has not pledged, assigned, sold, granted a security interest in, or otherwise
conveyed any of the Mortgage Loans; RRAC has not authorized the filing of and is not aware of any financing statements against
it that include a description of collateral covering the Mortgage Loans other than any financing statement relating to the ownership
or security interest granted to Sequoia hereunder or that will be automatically released upon the sale to Sequoia; (viii) RRAC
is not aware of any judgment or tax lien filing against itself; and (ix) none of the Mortgage Notes that constitute or evidence
the Mortgage Loans have any marks or notations indicating that they have been pledged, assigned or otherwise conveyed to any Person
other than Sequoia.

 

    	4

    	 

    

 

(d)          Cure,
Repurchase or Substitution Obligation. In the event of a breach of any of the representations and warranties of RRAC specified
in this Section 2 that materially adversely affects the value of a Mortgage Loan or the interest therein of the Certificateholders
(as assignees of Sequoia), RRAC will cure the breach, or repurchase or substitute for such Mortgage Loan or make an indemnification
payment with respect thereto pursuant to Section 2.04 of the Pooling and Servicing Agreement and Section 3 below.

 

In the event of a breach
of any of the representations and warranties of an Originator under any of the Purchase Agreements specified on Schedule B hereto
that materially and adversely affects the value of a Mortgage Loan or the interest therein of the Certificateholders (as assignees
of Sequoia), if the applicable Originator is unable to cure, repurchase or substitute the related Mortgage Loan or make an indemnification
payment with respect thereto pursuant to the terms of the applicable Purchase Agreement because such Originator is the subject
of a Bankruptcy or insolvency proceeding or no longer in existence, then RRAC will cure the breach or repurchase or substitute
such Mortgage Loan, or make an indemnification payment with respect thereto, pursuant to Section 2.04 of the Pooling and Servicing
Agreement and Section 3 below.

 

Section 3.   Arbitration
and Representations and Warranties of RRAC with respect to the Period of Time Since Each Originator Sold Mortgage Loans.

 

(a)          RRAC
hereby covenants and agrees that, if a breach of any representation and warranty set forth in Purchase Agreements with respect
to the characteristics of a Mortgage Loan exists on the date hereof that materially and adversely affects the value of any Mortgage
Loan or the interest of Sequoia in any Mortgage Loan and such breach did not exist as of the date that RRAC purchased such Mortgage
Loan or, in the case of an FRB Barclays Loan, as of the date that Barclays Bank PLC purchased such Mortgage Loan from First Republic,
RRAC shall have a period of 60 days from the earlier of either discovery or receipt of written notice from Sequoia to RRAC of such
breach within which to correct or cure such breach. Each determination as to whether there has been such a breach shall be conducted
on a Mortgage Loan-by-Mortgage Loan basis. RRAC hereby covenants and agrees that if any breach cannot be corrected or cured within
such 60 day period, then, at RRAC’s option, RRAC shall (i) repurchase the related Mortgage Loan at the Repurchase Price,
(ii) substitute a mortgage loan for the defective Mortgage Loan in accordance with the applicable Purchase Agreement or (iii) make
an indemnification payment in an amount equal to the reduction in value of such Mortgage Loan as a result of such breach not later
than 90 days after its discovery or receipt of notice of such breach and in the case of (i) or (iii) above, by wire transfer of
immediately available funds to such account as Sequoia shall specify to RRAC.

 

    	5

    	 

    

 

(b)          RRAC
and Sequoia agree that the resolution of any controversy or claim arising out of or relating to an obligation or alleged obligation
of RRAC to repurchase a Mortgage Loan or Mortgage Loans pursuant to Section 2(d) or Section 3(a) above shall be by Arbitration
administered by the American Arbitration Association. If any such controversy or claim has not been resolved to the satisfaction
of both RRAC and Sequoia, either party may commence Arbitration to resolve the dispute; provided that a party may commence Arbitration
with respect to one or more unresolved allegations only during the months of January, April, July and October, and all matters
with respect to which Arbitration has been commenced in any such month shall be heard in a single Arbitration in the immediately
following month or as soon as practicable thereafter; and provided further that if any Arbitration arising out of or relating to
an obligation or alleged obligation of an Originator to repurchase a Mortgage Loan relating to the same representation and warranty
has commenced and is continuing, then such Arbitration shall be joined with the Arbitration commenced hereunder.

 

(c)          To
commence Arbitration, the moving party shall deliver written notice to the other party that it has elected to pursue Arbitration
in accordance with this Section 3, provided that if RRAC has not responded to Sequoia's notification of a breach of a representation
and warranty, Sequoia shall not commence Arbitration with respect to that breach before 60 days following such notification in
order to provide RRAC with an opportunity to respond to such notification. Within 10 Business Days after a party has provided notice
that it has elected to pursue Arbitration, each party may submit the names of one or more proposed Arbitrators to the other party
in writing. If the parties have not agreed on the selection of an Arbitrator within five Business Days after the first such submission,
then the party commencing Arbitration shall, within the next 5 Business Days, notify the American Arbitration Association in New
York, New York and request that it appoint a single Arbitrator with experience in arbitrating disputes arising in the financial
services industry.

 

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

 

    	6

    	 

    

 

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

 

(f)          The
following capitalized terms shall have the meaning specified below:

 

Arbitration:
Arbitration in accordance with the then governing Commercial Arbitration Rules of the American Arbitration Association (“AAA”)
and administered by the AAA, which shall be conducted in New York, New York or other place mutually acceptable to the parties to
the arbitration.

 

Arbitrator:
A person who is not affiliated with RRAC, Sequoia or any Originator, who is a member of the American Arbitration Association.

 

Repurchase Price:
With respect to any Mortgage Loan, a price equal to (i) the unpaid principal balance of such Mortgage Loan plus (ii) interest
on such unpaid principal balance at the mortgage interest rate from and including the last Due Date through which interest has
been paid by or on behalf of the Mortgagor up to the Due Date following the date of repurchase, minus (iii) amounts received in
respect of such repurchased Mortgage Loan which are being held in the Collection Account for distribution in connection with such
Mortgage Loan.

 

Section 4.    Conveyance
of Mortgage Loans.

 

(a)           Mortgage
Loans.  In return for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged,
RRAC, concurrently with the execution and delivery hereof, hereby sells, transfers, assigns, sets over and otherwise conveys to
Sequoia, without recourse, all of RRAC’s right, title and interest in and to the Mortgage Loans, including the related Mortgage
Documents and all principal and interest received by RRAC on or with respect to the Mortgage Loans after September 1, 2012 (the
“Cut-off Date”) (other than Scheduled Payments due on or before such date), and all such payments due after
such date but received on or prior to such date and intended by the related Mortgagors to be applied after such date, all insurance
policies with respect to the Mortgage Loans, and all proceeds of the foregoing.

 

Sequoia shall pay the
purchase price for the Mortgage Loans by delivering to RRAC on the Closing Date cash in an amount mutually agreed upon by RRAC
and Sequoia.

 

On or prior to the
Closing Date, RRAC shall deliver or cause to be delivered to Sequoia or, at Sequoia’s direction, to the Custodian, the Trustee
Mortgage File for each Mortgage Loan in the manner set forth in Article 3 of the Custodial Agreement as in effect on the date of
execution hereof, by and among Wells Fargo Bank, N.A., as custodian and master servicer, RRAC, as seller, Sequoia, as depositor,
and Christiana Trust, a division of Wilmington Savings Fund Society, FSB, as trustee.  

 

    	7

    	 

    

 

(b)           Limited
Remedies. Sequoia acknowledges and agrees that it shall have no recourse to RRAC with respect to any Defective Mortgage Loan
except as provided in Section 2(d) and Section 3 and that Sequoia’s remedies with respect to any other Defective Mortgage
Loans shall be exercised with respect to the Originator of such Defective Mortgage Loan as set forth in the applicable Purchase
Agreement.

 

Section 5.          Intention
of Parties.  The conveyance of the Mortgage Loans and all other property hereunder by RRAC as contemplated hereby
is absolute and is intended by the parties to constitute a sale of the Mortgage Loans and such other property by RRAC to Sequoia.
It is, further, not intended that such conveyance be the grant of a security interest to secure a loan or other obligation. However,
in the event that, notwithstanding the intent of the parties, the Mortgage Loans and the other property described in Section 4(a)
are held to be the property of RRAC, or if for any other reason this Agreement is held or deemed to create a security interest
in the Mortgage Loans and such other property, then this Agreement shall constitute a security agreement, and the conveyance provided
for in Section 4(a) shall be deemed to be a grant by RRAC to Sequoia of, and RRAC hereby grants to Sequoia, to secure all of RRAC’s
obligations hereunder, a security interest in all of RRAC’s right, title and interest, whether now owned or hereafter acquired,
in and to (i) the Mortgage Loans, including the Mortgage Notes, the Mortgages, and the right to all payments of principal and interest
received on or with respect to the Mortgage Loans after the Cut-off Date (other than Scheduled Payments due on or before such date),
and all such payments due after such date but received on or prior to such date and intended by the related Mortgagors to be applied
after such date, (ii) all of RRAC’s right, title and interest, if any, in and to all amounts from time to time credited to
and the proceeds of any Custodial Accounts or any Escrow Account established with respect to the Mortgage Loans, (iii) with respect
to the Mortgage Loans, to the extent set forth in the applicable Purchase Agreement, the FRB Agreement or the Flow Mortgage Loan
Servicing Agreement, dated August 1, 2011, between RRAC and Cenlar FSB, as amended on November 3, 2011 and as further amended by
the Assignment, Assumption and Recognition Agreement, dated September 21, 2012, by and among RRAC, Sequoia, the Trustee and Cenlar
FSB (the “Cenlar Agreement”), RRAC’s rights and obligations under the applicable Purchase Agreement, the
FRB Agreement or the Cenlar Agreement, (iv) all of RRAC’s right, title and
interest, if any, in REO Property and the proceeds thereof, (v) all of RRAC’s rights under any Insurance Policies related
to the Mortgage Loans, (vi) RRAC’s security interest in any collateral pledged to secure the Mortgage Loans, including the
Mortgaged Properties, and (vii) all proceeds of the conversion, voluntary or involuntary, of any of the foregoing into cash or
other liquid assets, including, without limitation, all Insurance Proceeds, Liquidation Proceeds and condemnation awards.

 

RRAC and Sequoia shall,
to the extent consistent with this Agreement, take such actions as may be necessary to ensure that, if this Agreement were deemed
to create a security interest in the Mortgage Loans, such security interest would be deemed to be a perfected security interest
of first priority under applicable law and will be maintained as such throughout the term of this Agreement.  RRAC shall
arrange for filing any Uniform Commercial Code financing statements and continuation statements in connection with such security
interest.

 

    	8

    	 

    

 

Section 6.          Termination.

 

Notwithstanding any
termination of this Agreement or the completion of all sales contemplated hereby, the representations, warranties and agreements
in Sections 1 and 2 hereof shall survive and remain in full force and effect.

 

Section 7.          Miscellaneous.

 

(a)           Amendments,
Etc.  No rescission, modification, amendment, supplement or change of this Agreement shall be valid or effective
unless in writing and signed by all of the parties to this Agreement.  No amendment of this Agreement may modify or waive
the representations, warranties and agreements set forth in Sections 1 and 2 hereof.

 

(b)           Binding
Upon Successors, Etc.  This Agreement shall bind and inure to the benefit of and be enforceable by RRAC and Sequoia,
and the respective successors and assigns thereof.  The parties hereto acknowledge that Sequoia is acquiring the Mortgage
Loans for the purpose of selling, transferring, assigning, setting over and otherwise conveying them to the Trustee, pursuant to
the Pooling and Servicing Agreement.  RRAC acknowledges and consents to the assignment to the Trustee by Sequoia of all
of Sequoia's rights against RRAC hereunder in respect of the Mortgage Loans sold to Sequoia and that the enforcement or exercise
of any right or remedy against RRAC hereunder by the Trustee or to the extent permitted under Section 2.04 of the Pooling and Servicing
Agreement shall have the same force and effect as if enforced and exercised by Sequoia directly.

 

(c)           Counterparts.  This
Agreement may be executed in two or more counterparts, each of which shall be deemed an original but all of which together shall
constitute one and the same instrument.

 

(d)           Governing
Law.  This Agreement and all questions relating to its validity, interpretation, performance and enforcement shall
be governed by and construed, interpreted and enforced in accordance with the laws of the State of New York notwithstanding any
law, rule, regulation, or other conflict-of-law provisions to the contrary.

 

(e)           Headings.  The
headings of the several parts of this Agreement are inserted for convenience of reference and are not intended to be a part of
or affect the meaning or interpretation of this Agreement.

 

(f)           Definitions.  Capitalized
terms not otherwise defined herein have the meanings ascribed to such terms (i) in the Pooling and Servicing Agreement as
in effect on the date of execution hereof or (ii) in Schedule B hereto.

 

    	9

    	 

    

 

(g)           Nonpetition
Covenant.  Until one year plus one day shall have elapsed since the termination of the Pooling and Servicing Agreement
in accordance with its terms, RRAC shall not petition or otherwise invoke the process of any court or government authority for
the purpose of commencing or sustaining a case against Sequoia under any federal or state bankruptcy, insolvency or similar law
or appointing a receiver, liquidator, assignee, trustee, custodian, sequestrator or other similar official of Sequoia or any substantial
part of its property, or ordering the winding up or liquidation of the affairs of Sequoia.

 

[remainder of page intentionally left blank]

 

    	10

    	 

    

 

IN WITNESS WHEREOF,
each party has caused this Mortgage Loan Purchase and Sale Agreement to be executed by its duly authorized officer or officers
as of the day and year first above written.

 

	 	REDWOOD RESIDENTIAL ACQUISITION CORPORATION
	 	 	 
	 	By:	/s/ John Isbrandtsen
	 	 	 
	 	Name:	John Isbrandtsen 
	 	 	 
	 	Title:	Authorized Officer
	 	 	 
	 	SEQUOIA RESIDENTIAL FUNDING, INC.
	 	 	 
	 	By:	/s/ John Isbrandtsen 
	 	 	 
	 	Name:	John Isbrandtsen  
	 	 	 
	 	Title:	Authorized Officer  

 

    	 

    	 

    

 

SCHEDULE A

MORTGAGE LOAN SCHEDULE 

 

See Schedule A
to Exhibit 10.1

 

    	 

    	 

    

 

SCHEDULE B

CERTAIN ORIGINATOR PURCHASE AGREEMENTS

 

1. American Pacific Mortgage Corporation

Flow Mortgage Loan Purchase and Sale Agreement
dated as of October 1, 2011, between RRAC and American Pacific, as amended by the Assignment of Representations and Warranties
Agreement, dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and American Pacific (the “American Pacific
Agreement”).

 

2. Benchmark Bank

Flow Mortgage Loan Purchase and Sale Agreement
dated as of September 1, 2011, between RRAC and Benchmark, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Benchmark (the “Benchmark Agreement”).

 

3. Cole Taylor Bank

Flow Mortgage Loan Purchase and Sale Agreement
dated as of August 1, 2011, between RRAC and Cole Taylor, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Cole Taylor (the “Cole Taylor Agreement”).

 

4. Colonial Savings, F.A.

Flow Mortgage Loan Purchase and Sale Agreement
dated as of February 1, 2012, between RRAC and Colonial, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Colonial (the “Colonial Agreement”).

 

5. Cornerstone Mortgage Company

Flow Mortgage Loan Purchase and Sale Agreement,
dated as of September 1, 2011, between RRAC and Cornerstone, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Cornerstone (the “Cornerstone Agreement”).

 

6. Embrace Home Loans, Inc.

Flow Mortgage Loan Purchase and Sale Agreement
dated as of December 1, 2011, between RRAC and Embrace, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Embrace (the “Embrace Agreement”).

 

7. Evergreen Moneysource Mortgage Company
dba Evergreen Home Loans

Flow Mortgage Loan Purchase and Sale Agreement
dated as of April 1, 2012, between RRAC and Evergreen, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Evergreen (the “Evergreen Agreement”).

 

    	 

    	 

    

 

8. First Choice Loan Services, Inc.

Flow Mortgage Loan Purchase and Sale Agreement
dated as of December 1, 2011, between RRAC and First Choice, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and First Choice (the “First Choice Agreement”).

 

9. Flagstar Capital Markets Corporation

Flow Mortgage Loan Purchase and Sale Agreement
dated as of May 23, 2011, between RRAC and Flagstar, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Flagstar (the “Flagstar Agreement”).

 

10. Franklin American Mortgage Company

Flow Mortgage Loan Purchase and Sale Agreement
dated as of August 1, 2011, between RRAC and Franklin, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Franklin (the “Franklin Agreement”).

 

11. Fremont Bank

Flow Mortgage Loan Purchase and Sale Agreement
dated as of August 1, 2011, between RRAC and Flagstar, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Fremont (the “Fremont Agreement”).

 

12. Fulton Bank, National Association

Flow Mortgage Loan Purchase and Sale Agreement
dated as of December 1, 2011, between RRAC and Fulton, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Fulton (the “Fulton Agreement”).

 

13. GuardHill Financial Corporation

Flow Mortgage Loan Purchase and Sale Agreement
dated as of October 1, 2011, between RRAC and GuardHill, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and GuardHill (the “GuardHill Agreement”).

 

14. Guild Mortgage Company

Flow Mortgage Loan Purchase and Sale Agreement
dated as of January 1, 2012, between RRAC and Guild, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Guild (the “Guild Agreement”).

 

15. The Huntington National Bank

Flow Mortgage Loan Purchase and Sale Agreement
dated as of December 1, 2011, between RRAC and Huntington, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Huntington (the “Huntington Agreement”).

 

    	 

    	 

    

 

16. Megastar Financial Corporation

Flow Mortgage Loan Purchase and Sale Agreement
dated as of January 1, 2012, between RRAC and Megastar, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Megastar (the “Megastar Agreement”).

 

17. Monarch Bank

Flow Mortgage Loan Purchase and Sale Agreement
dated as of February 1, 2012, between RRAC and Monarch, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Monarch (the “Monarch Agreement”).

 

18. PHH Mortgage Corporation

Mortgage Loan Flow Purchase, Sale &
Servicing Agreement, dated as of July 21, 2010, between RRAC and PHH, as amended by the Assignment, Assumption and Recognition
Agreement, dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and PHH (the “PHH Agreement”).

 

19. Plaza Home Mortgage, Incorporated

Mortgage Loan Flow Purchase, Sale &
Servicing Agreement, dated as of December 1, 2011, between RRAC and Plaza, as amended by the Assignment, Assumption and Recognition
Agreement, dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Plaza (the “Plaza Agreement”).

 

20. PrimeLending, a PlainsCapital Company

Flow Mortgage Loan Purchase and Sale Agreement,
dated as of January 30, 2011, between RRAC and Primelending, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and PrimeLending (the “PrimeLending Agreement”).

 

21. Provident Savings Bank

Flow Mortgage Loan Purchase and Sale Agreement,
dated as of October 1, 2011, between RRAC and Provident, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Provident(the “Provident Agreement”).

 

22. Simonich Corporation, dba Bank of Commerce
Mortgage

Flow Mortgage Loan Purchase and Sale Agreement
dated as of August 1, 2011, between RRAC and Simonich, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Simonich (the “Simonich Agreement”).

 

    	 

    	 

    

 

23. Sterling Savings Bank

Flow Mortgage Loan Purchase and Sale Agreement,
dated as of March 1, 2011, between RRAC and Sterling, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Sterling (the “Sterling Agreement”).

 

24. Stifel Bank and Trust

Flow Mortgage Loan Purchase and Sale Agreement,
dated as of December 1, 2011, between RRAC and Stifel, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Stifel (the “Stifel Agreement”).

 

25. Umpqua Bank

Flow Mortgage Loan Purchase and Sale Agreement,
dated as of January 1, 2012, between RRAC and Umpqua, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Umpqua (the “Umpqua Agreement”).

 

26. United Shore Financial Services, LLC

Flow Mortgage Loan Purchase and Sale Agreement
dated as of December 1, 2011, between RRAC and United Shore, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and United Shore (the “United Shore Agreement”).

 

27. Wintrust Mortgage, a division of Barrington
Bank and Trust Company, N.A.

Flow Mortgage Loan Purchase and Sale Agreement
dated as of June 1, 2011, between RRAC and Wintrust, as amended by the Assignment of Representations and Warranties Agreement,
dated September 21, 2012, by and among RRAC, Sequoia, the Trustee, and Wintrust (the “Wintrust Agreement” and,
together with the American Pacific Agreement, the Benchmark Agreement, the Cole Taylor Agreement, the Colonial Agreement, the Cornerstone
Agreement, the Embrace Agreement, the Evergreen Agreement, the First Choice Agreement, the Flagstar Agreement, the Franklin Agreement,
the Fremont Agreement, the Fulton Agreement, the GuardHill Agreement, the Guild Agreement, the Huntington Agreement, the Megastar
Agreement, the Monarch Agreement, the PHH Agreement, the Plaza Agreement, the PrimeLending Agreement, the Provident Agreement,
the Simonich Agreement, the Sterling Agreement, the Stifel Agreement, the Umpqua Agreement and the United Shore Agreement, the
“Purchase Agreements” and each a “Purchase Agreement”).

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