Document:

EXHIBIT 10.1

                      FORM OF HOME LOAN PURCHASE AGREEMENT

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                RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC.

                                  as Purchaser,

                                       and

                         RESIDENTIAL FUNDING CORPORATION

                                    as Seller

                                   ----------

                          HOME LOAN PURCHASE AGREEMENT

                         Dated as of [______ __], 200[_]

                                   ----------

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                                TABLE OF CONTENTS

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                                                                            ----
ARTICLE I DEFINITIONS....................................................      1
   Section 1.1.    Definitions...........................................      1

ARTICLE II SALE OF HOME LOANS AND RELATED PROVISIONS.....................      2
   Section 2.1.    Sale of Home Loans....................................      2
   Section 2.2.    Payment of Purchase Price.............................      4

ARTICLE III REPRESENTATIONS AND WARRANTIES; REMEDIES FOR BREACH..........      5
   Section 3.1.    Seller Representations and Warranties.................      5

ARTICLE IV SELLER'S COVENANTS............................................     12
   Section 4.1.    Covenants of the Seller...............................     12

ARTICLE V SERVICING......................................................     12
   Section 5.1.    Servicing.............................................     12

ARTICLE VI LIMITATION ON LIABILITY OF THE SELLER.........................     12
   Section 6.1.    Limitation on Liability of the Seller.................     12

ARTICLE VII TERMINATION..................................................     12
   Section 7.1.    Termination...........................................     12

ARTICLE VIII MISCELLANEOUS PROVISIONS....................................     13
   Section 8.1.    Amendment.............................................     13
   Section 8.2.    GOVERNING LAW.........................................     13
   Section 8.3.    Notices...............................................     13
   Section 8.4.    Severability of Provisions............................     13
   Section 8.5.    Relationship of Parties...............................     14
   Section 8.6.    Counterparts..........................................     14
   Section 8.7.    Further Agreements....................................     14
   Section 8.8.    Intention of the Parties..............................     14
   Section 8.9.    Successors and Assigns; Assignment of This Agreement..     14
   Section 8.10.   Survival..............................................     15

Exhibit A   Home Loan Schedule
Exhibit B   Standard & Poor's Glossary For File Format For LEVELS(R)
            Version 5.6c Revised

                                        i

     This HOME LOAN PURCHASE AGREEMENT (this "Agreement" or "Home Loan Purchase
Agreement"), dated as of [______ __], 200[_], is made between Residential
Funding Corporation (the "Seller") and Residential Funding Mortgage Securities
II, Inc. (the "Purchaser").

                                   WITNESSETH:

     WHEREAS, the Seller owns Home Loans and the Related Documents for the Home
Loans indicated on the Home Loan Schedule attached as Exhibit A hereto
(collectively, the "Home Loans"), including rights to (a) any property acquired
by foreclosure or deed in lieu of foreclosure or otherwise, and (b) the proceeds
of any insurance policies covering the Home Loans;

     WHEREAS, the parties hereto desire that the Seller sell the Home Loans to
the Purchaser pursuant to the terms of this Agreement together with the Related
Documents on the Closing Date;

     WHEREAS, pursuant to the terms of the Trust Agreement, the Purchaser will
sell the Home Loans to the Issuer in exchange for the Securities;

     WHEREAS, pursuant to the terms of the Trust Agreement, the Issuer will
issue and transfer to or at the direction of the Depositor, the Certificates;

     WHEREAS, pursuant to the terms of the Indenture, the Issuer will issue and
transfer to or at the direction of the Depositor, the Notes; and

     WHEREAS, pursuant to the terms of the Servicing Agreement, the Master
Servicer will service the Home Loans directly or through one or more
Subservicers.

     NOW, THEREFORE, in consideration of the mutual covenants herein contained,
the parties hereto agree as follows:

                                    ARTICLE I

                                   DEFINITIONS

     Section 1.1. Definitions. For all purposes of this Home Loan Purchase
Agreement, except as otherwise expressly provided herein or unless the context
otherwise requires, capitalized terms not otherwise defined herein shall have
the meanings assigned to such terms in the Definitions contained in Appendix A
to the Indenture dated [______ __], 200[_] (the "Indenture"), between Home Loan
Trust 2005-HI[_], as issuer, and [__________]., as indenture trustee, which is
incorporated by reference herein. All other capitalized terms used herein shall
have the meanings specified herein.

                                   ARTICLE II

                    SALE OF HOME LOANS AND RELATED PROVISIONS

     Section 2.1. Sale of Home Loans. (a) The Seller, by the execution and
delivery of this Agreement, does hereby sell, assign, set over, and otherwise
convey to the Purchaser, without recourse, all of its right, title and interest
in, to and under the following, and wherever located: (i) the Home Loans, all
interest accruing thereon and all collections in respect thereof received on or
after the Cut-off Date; (ii) property which secured a Home Loan and which has
been acquired by foreclosure or deed in lieu of foreclosure; (iii) the interest
of the Seller in any insurance policies in respect of the Home Loans; and (iv)
all proceeds of the foregoing. Such conveyance shall be deemed to be made, with
respect to the Cut-off Date Loan Balances, as of the Closing Date, subject to
the receipt by the Seller of consideration therefor as provided herein under
clause (b) of Section 2.2.

     (b) In connection with such conveyance, the Seller further agrees, at its
own expense, on or prior to the Closing Date to indicate in its books and
records that the Home Loans have been sold to the Purchaser pursuant to this
Agreement and to deliver to the Purchaser true and complete lists of all of the
Home Loans specifying for each Home Loan (i) its account number and (ii) its
Cut-off Date Loan Balance. Such lists, which form part of the Home Loan
Schedule, shall be marked as Exhibit A to this Agreement and are hereby
incorporated into and made a part of this Agreement.

     (c) In connection with such conveyance by the Seller, the Seller shall on
behalf of the Purchaser deliver to, and deposit with the Custodian, on or before
the Closing Date, the following documents or instruments with respect to each
Home Loan:

          (i) the original Mortgage Note endorsed without recourse to the
     Indenture Trustee and showing an unbroken chain of endorsement from the
     originator thereof to the Person endorsing it or, with respect to any Home
     Loan as to which the original Mortgage Note has been permanently lost or
     destroyed and has not been replaced, a Lost Note Affidavit from the related
     seller or Residential Funding Corporation stating the original Mortgage
     Note was lost, misplaced or destroyed together with a copy of such Note;

          (ii) the original Mortgage, noting the presence of the MIN of the Home
     Loan and language indicating that the Home Loan is a MOM Loan if the Home
     Loan is a MOM Loan, with evidence of recording indicated thereon, or, if
     the original Mortgage has not yet been returned from the public recording
     office, a copy of the original Mortgage with evidence of recording
     indicated thereon;

          (iii) unless the Home Loan has been recorded in the name of MERS(R)
     System, the assignment (which may be included in one or more blanket
     assignments if permitted by applicable law) of the Mortgage recorded to
     "[__________]. as indenture trustee" c/o the Seller at an address specified
     by the Seller;

                                        2

          (iv) originals of any intervening assignments of the Mortgage, with
     evidence of recording noted thereon or attached thereto, or a copy of such
     original intervening assignment with evidence of recording indicated
     thereon; and

          (v) a true and correct copy of each assumption, modification,
     consolidation or substitution agreement, if any, relating to the Home Loan.

     Within the time period for the review of each Mortgage File set forth in
Section 2.03 of the Custodial Agreement, if a defect or omission in any Mortgage
File is discovered which may materially and adversely affect the value of the
related Home Loan, or the interests of the Indenture Trustee (as pledgee of the
Home Loans), the Noteholders or the Certificateholders in such Home Loan,
including the Seller's failure to deliver any document required to be delivered
to the Custodian on behalf of the Indenture Trustee (provided that a Mortgage
File will not be deemed to contain a defect for an unrecorded assignment under
clause (iii) above if the Seller has submitted such assignment for recording or
if such assignment is not required to be recorded pursuant to the terms of the
following paragraph), the Seller shall cure such defect, repurchase the related
Home Loan at the Repurchase Price or substitute an Eligible Substitute Loan for
the related Home Loan upon the same terms and conditions set forth in Section
3.1 hereof for breaches of representations and warranties as to the Home Loans.
As set forth in Section 2.03 of the Custodial Agreement, the Custodian shall
deliver to the Indenture Trustee a certificate (the "Interim Certification") to
the effect that all documents required to be delivered pursuant to this
Subsection 2.1(c) have been executed and received and that such documents relate
to the Home Loans identified on the Home Loan Schedule, except for any
exceptions listed on Schedule B attached to such Interim Certification.

     Within 60 days after the receipt by the Master Servicer of the recording
information, the Seller at its own expense shall complete and submit for
recording in the appropriate public office for real property records each of the
assignments referred to in clause (iii) above. While such assignment to be
recorded is being recorded, the Custodian shall retain a photocopy of such
assignment. If any assignment is lost or returned unrecorded to the Custodian
because of any defect therein, the Seller is required to prepare a substitute
assignment or cure such defect, as the case may be, and the Seller shall cause
such assignment to be recorded in accordance with this paragraph. In connection
with the assignment of any Home Loan registered on the MERS(R) System, the
Seller further agrees that it will cause, at the Seller's own expense, within 30
Business Days after the Closing Date, the MERS(R) System to indicate that such
Home Loans have been assigned by the Seller to the Purchaser in accordance with
this Agreement, by the Purchaser to the Trust in accordance with the terms of
the Trust Agreement and by the Trust, to the Indenture Trustee for the benefit
of the Noteholders, pursuant to the Indenture, by including (or deleting, in the
case of Home Loans which are repurchased in accordance with this Agreement) in
such computer files (a) the code in the field which identifies the specific
Trust and (b) the code in the field "Pool Field" which identifies the series of
the Notes issued in connection with such Home Loans. The Seller further agrees
that it will not, and will not permit the Master Servicer to alter the codes
referenced in this paragraph with respect to any Home Loan during the term of
this Agreement, the Trust Agreement and the Indenture, unless and until such
Home Loan is repurchased in accordance with the terms of this Agreement.

                                        3

     In the event that the Seller delivers to the Custodian on behalf of the
Indenture Trustee any Mortgage Note or assignment in blank, the Seller shall, or
shall cause the Custodian to, complete the endorsement of the Mortgage Note and
the assignment in conjunction with the Interim Certification issued by the
Custodian.

     In instances where an original Mortgage or any original intervening
assignment of Mortgage was not, in accordance with clause (ii), (iii), (iv) or
(v) above (or copies thereof as permitted in this Section 2.1(c) above),
delivered by the Seller to the respective Custodian prior to or concurrently
with the execution and delivery of this Agreement, the Seller will deliver or
cause to be delivered the originals of such documents to such Custodian promptly
upon receipt thereof.

     The Purchaser hereby acknowledges its acceptance of all right, title and
interest to the property, conveyed to it pursuant to this Section 2.1.

     (d) The parties hereto intend that the transactions set forth herein
constitute a sale by the Seller to the Purchaser of all the Seller's right,
title and interest in and to the Home Loans and other property as and to the
extent described above. In the event the transactions set forth herein are
deemed not to be a sale, the Seller hereby grants to the Purchaser a security
interest in all of the Seller's right, title and interest in, to and under (i)
the Home Loans, all interest accruing thereon and all collections in respect
thereof received on or after the Cut-off Date; (ii) property which secured a
Home Loan and which has been acquired by foreclosure or deed in lieu of
foreclosure; (iii) the interest of the Seller in any insurance policies in
respect of the Home Loans; and (iv) all proceeds of the foregoing, and such
other property, to secure all of the Seller's obligations hereunder, and this
Agreement shall constitute a security agreement under applicable law. The Seller
agrees to take or cause to be taken such actions and to execute such documents,
including without limitation the filing of all necessary UCC-1 financing
statements filed in the State of Delaware (which shall have been submitted for
filing within 10 days following the Closing Date), any continuation statements
with respect thereto and any amendments thereto required to reflect a change in
the name or corporate structure of the Seller or the filing of any additional
UCC-1 financing statements due to the change in the principal office or
jurisdiction of incorporation of the Seller, as are necessary to perfect and
protect the Purchaser's interests in each Home Loan and the proceeds thereof.

     Section 2.2. Payment of Purchase Price. (a) The "Purchase Price" for the
Home Loans shall be an amount equal to $[__________] in immediately available
funds, together with the Certificates.

     (b) In consideration of the sale of the Home Loans from the Seller to the
Purchaser on the Closing Date, the Purchaser shall pay to the Seller on the
Closing Date by wire transfer of immediately available funds to a bank account
designated by the Seller, the amount specified above in clause (a); provided,
that such payment may be on a net funding basis if agreed by the Seller and the
Purchaser.

                                        4

                                   ARTICLE III

                         REPRESENTATIONS AND WARRANTIES;
                               REMEDIES FOR BREACH

     Section 3.1. Seller Representations and Warranties. The Seller represents
and warrants to the Purchaser, as of the Closing Date (or if otherwise specified
below, as of the date so specified):

     (a) As to the Seller:

          (i) The Seller is a corporation duly organized, validly existing and
     in good standing under the laws of the State of Delaware and has the
     corporate power to own its assets and to transact the business in which it
     is currently engaged. The Seller is duly qualified to do business as a
     foreign corporation and is in good standing in each jurisdiction in which
     the character of the business transacted by it or properties owned or
     leased by it requires such qualification and in which the failure to so
     qualify would have a material adverse effect on the business, properties,
     assets or condition (financial or other) of the Seller;

          (ii) The Seller has the power and authority to make, execute, deliver
     and perform its obligations under this Agreement and all of the
     transactions contemplated under this Agreement, and has taken all necessary
     corporate action to authorize the execution, delivery and performance of
     this Agreement. When executed and delivered, this Agreement will constitute
     the legal, valid and binding obligation of the Seller enforceable in
     accordance with its terms, except as enforcement of such terms may be
     limited by bankruptcy, insolvency or similar laws affecting the enforcement
     of creditors' rights generally and by the availability of equitable
     remedies;

          (iii) The Seller is not required to obtain the consent of any other
     Person or any consent, license, approval or authorization from, or
     registration or declaration with, any governmental authority, bureau or
     agency in connection with the execution, delivery, performance, validity or
     enforceability of this Agreement, except for such consents, licenses,
     approvals or authorizations, or registrations or declarations, as shall
     have been obtained or filed, as the case may be;

          (iv) The execution and delivery of this Agreement and the performance
     of the transactions contemplated hereby by the Seller will not violate any
     provision of any existing law or regulation or any order or decree of any
     court applicable to the Seller or any provision of the Certificate of
     Incorporation or Bylaws of the Seller, or constitute a material breach of
     any mortgage, indenture, contract or other agreement to which the Seller is
     a party or by which the Seller may be bound;

          (v) No litigation or administrative proceeding of or before any court,
     tribunal or governmental body is currently pending, or to the knowledge of
     the Seller threatened, against the Seller or any of its properties or with
     respect to this Agreement or

                                        5

     the Certificates which in the opinion of the Seller has a reasonable
     likelihood of resulting in a material adverse effect on the transactions
     contemplated by this Agreement;

          (vi) This Agreement constitutes a legal, valid and binding obligation
     of the Seller, enforceable against the Seller in accordance with its terms,
     except as enforceability may be limited by applicable bankruptcy,
     insolvency, reorganization, moratorium or other similar laws now or
     hereafter in effect affecting the enforcement of creditors' rights in
     general and except as such enforceability may be limited by general
     principles of equity (whether considered in a proceeding at law or in
     equity);

          (vii) This Agreement constitutes a valid transfer and assignment to
     the Purchaser of all right, title and interest of the Seller in, to and
     under the Home Loans, all monies due or to become due with respect thereto,
     and all proceeds of such Cut-off Date Loan Balances with respect to the
     Home Loans and such funds as are from time to time deposited in the
     Custodial Account (excluding any investment earnings thereon) as assets of
     the Trust and all other property specified in the definition of "Trust" as
     being part of the corpus of the Trust conveyed to the Purchaser by the
     Seller;

          (viii) The Seller is not in default with respect to any order or
     decree of any court or any order, regulation or demand or any federal,
     state, municipal or governmental agency, which default might have
     consequences that would materially and adversely affect the condition
     (financial or other) or operations of the Seller or its properties or might
     have consequences that would materially adversely affect its performance
     hereunder; and

          (ix) The Seller has not transferred the Home Loans to the Purchaser
     with any intent to hinder, delay or defraud any of its creditors.

     (b) As to the Home Loans:

          (i) The information set forth in the Home Loan Schedule with respect
     to each Home Loan is true and correct in all material respects as of the
     date or dates respecting which such information is furnished;

          (ii) [Reserved];

          (iii) The related Mortgage Note and the Mortgage have not been
     assigned or pledged, the Seller has good and marketable title thereto and
     the Seller is the sole owner and holder of the Home Loan free and clear of
     any and all liens, claims, encumbrances, participation interests, equities,
     pledges, charges or security interests of any nature and has full right and
     authority, under all governmental and regulatory bodies having jurisdiction
     over the ownership of the applicable Home Loans to sell and assign the same
     pursuant to this Agreement;

          (iv) To the best of Seller's knowledge, there is no valid offset,
     defense or counterclaim of any obligor under any Mortgage;

                                        6

          (v) To the best of Seller's knowledge, there is no delinquent
     recording or other tax or fee or assessment lien against any related
     Mortgaged Property;

          (vi) To the best of Seller's knowledge, there is no proceeding pending
     or threatened for the total or partial condemnation of the related
     Mortgaged Property;

          (vii) To the best of Seller's knowledge, there are no mechanics' or
     similar liens or claims which have been filed for work, labor or material
     affecting the related Mortgaged Property which are, or may be liens prior
     or equal to, or subordinate with, the lien of the related Mortgage, except
     liens which are fully insured against by the title insurance policy
     referred to in clause (xi);

          (viii) As of the Cut-off Date, none of the Home Loans were 30 or more
     days delinquent;

          (ix) For each Home Loan, the related Mortgage File contains each of
     the documents and instruments specified to be included therein;

          (x) Each Home Loan at the time it was made complied in all material
     respects with applicable local, state and federal laws including but not
     limited to all applicable anti-predatory lending laws and usury laws;

          (xi) A policy of title insurance in the form and amount required by
     the Program Guide was effective as of the closing of each Home Loan and
     each such policy is valid and remains in full force and effect, and a title
     search or other assurance of title customary in the relevant jurisdiction
     was obtained with respect to each Home Loan as to which no title insurance
     policy or binder was issued;

          (xii) None of the Mortgaged Properties is a mobile home that is
     permanently attached to its foundation and none of the Mortgaged Properties
     are manufactured housing units that are not permanently attached to their
     foundation;

          (xiii) Approximately [____]% of the Cut-off Date Loan Balance of the
     Home Loans are secured by Mortgaged Properties located in Ohio;

          (xiv) Approximately [____]% of the Home Loans by Cut-Off Date Loan
     Balance, had a Combined Loan-to-Value Ratio in excess of 100%;

          (xv) None of the mortgage loans in the mortgage pool are loans that,
     under applicable state or local law in effect at the time of origination of
     the loan, are referred to as (1) "high cost" or "covered" loans or (2) any
     other similar designation if the law imposes greater restrictions or
     additional legal liability for residential mortgage loans with high
     interest rates, points and/or fees;

          (xvi) None of the proceeds of any Home Loan were used to finance the
     purchase of single premium credit insurance policies;

                                        7

          (xvii) The Seller will submit for filing or cause to be submitted for
     filing UCC-1 financing statements in accordance with the terms of this
     Agreement;

          (xviii) Each Mortgage is substantially similar to one another and
     constitutes a legal, valid and binding obligation of the related Mortgagor
     enforceable in accordance with its terms except as may be limited by
     bankruptcy, insolvency or similar laws affecting generally the enforcement
     of creditor's rights;

          (xix) To the best of Seller's knowledge, the physical property subject
     to each Mortgage is free of material damage and is in good repair;

          (xx) The Seller has not received a notice of default of any senior
     mortgage loan related to a Mortgaged Property which has not been cured by a
     party other than the related Subservicer;

          (xxi) No Home Loan has a prepayment penalty term that extends beyond
     five years after the date of origination;

          (xxii) None of the Home Loans are reverse Home Loans;

          (xxiii) None of the Home Loans have a remaining term to stated
     maturity of less than [__] months. As of the Cut-off Date, the Loan Rates
     on the Home Loans range between [____]% per annum and [____]% per annum and
     the weighted average Loan Rate is approximately [______]% per annum. The
     weighted average remaining term to stated maturity of the Home Loans as of
     the Cut-off Date is approximately [___] months;

          (xxiv) (A) Each Mortgaged Property with respect to the Home Loans
     consists of a single parcel of real property with a single family residence
     erected thereon, manufactured housing permanently attached to its
     foundation or an individual condominium unit. (B) With respect to the Home
     Loans (i) approximately [____]% (by Cut-off Date Loan Balance) are secured
     by real property improved by individual condominium units and (ii)
     approximately [____]% (by Cut-off Date Loan Balance) of the Home Loans are
     secured by real property with a single family residence erected thereon;

          (xxv) All of the Home Loans are secured by second mortgages or deeds
     of trust;

          (xxvi) If any of the Home Loans are secured by a leasehold interest,
     with respect to each leasehold interest, the use of leasehold estates for
     residential properties is an accepted practice in the area where the
     related Mortgaged Property is located; residential property in such area
     consisting of leasehold estates is readily marketable; the lease is
     recorded and no party is in any way in breach of any provision of such
     lease; the leasehold is in full force and effect and is not subject to any
     prior lien or encumbrance by which the leasehold could be terminated; and
     the remaining term of the lease does not terminate less than five years
     after the maturity date of such Home Loan;

                                        8

          (xxvii) Each Subservicer meets all applicable requirements under the
     Servicing Agreement, is properly qualified to service the Home Loans and
     has been servicing the Home Loans prior to the Cut-off Date in accordance
     with the terms of the Program Guide;

          (xxviii) For each Home Loan, if required, as of the Cut-off Date,
     flood insurance has been obtained which meets all applicable requirements
     of Section 3.04 of the Servicing Agreement. For each Home Loan, hazard
     insurance has been obtained which meets all applicable requirements of
     Section 3.04 of the Servicing Agreement;

          (xxix) There is no material default, breach, violation or event of
     acceleration existing under the terms of any Mortgage Note or Mortgage and
     no event which, with notice and expiration of any grace or cure period,
     would constitute a material default, breach, violation or event of
     acceleration under the terms of any Mortgage Note or Mortgage, and no such
     material default, breach, violation or event of acceleration has been
     waived by the Seller or by any other entity involved in originating or
     servicing a Home Loan;

          (xxx) No instrument of release or waiver has been executed in
     connection with the Home Loans, and no Mortgagor has been released, in
     whole or in part from its obligations in connection with a Home Loan;

          (xxxi) With respect to each Home Loan that is a second lien, either
     (i) no consent for the Home Loan was required by the holder of the related
     prior lien or liens or (ii) such consent has been obtained and is contained
     in the Mortgage File;

          (xxxii) With respect to each Home Loan, either (i) the Home Loan is
     assumable pursuant to the terms of the Mortgage Note, or (ii) the Home Loan
     contains a customary provision for the acceleration of the payment of the
     unpaid principal balance of the Home Loan in the event the related
     Mortgaged Property is sold without the prior consent of the mortgagee
     thereunder;

          (xxxiii) Each Mortgage File either contains (a) an original Mortgage
     Note or (b) with respect to any Home Loan as to which the original Mortgage
     Note has been permanently lost or destroyed and has not been replaced, a
     Lost Note Affidavit together with a copy of such Mortgage Note;

          (xxxiv) No Home Loan was originated on or after October 1, 2002 and
     before March 7, 2003, which is secured by property located in the State of
     Georgia;

          (xxxv) No Home Loan except as provided in clause (xxxvi) is a High
     Cost Loan or Covered Loan, as applicable (as such terms are defined in
     Appendix E of the Standard & Poor's Glossary For File Format For LEVELS(R)
     Version 5.6c Revised (attached hereto as Exhibit B)); provided that no
     representation and warranty is made in this clause (xxxv) with respect to
     any Home Loan secured by property located in the States of Kansas or West
     Virginia; and

                                        9

          (xxxvi) As of the Cut-Off Date, [__] of the Home Loans, representing
     approximately [____]% of the Home Loans, were subject to the Home Ownership
     and Protection Act of 1994, referred to as the Homeownership Act.

     Upon discovery by Seller or upon notice from the Purchaser, the Issuer, the
Owner Trustee, the Indenture Trustee or any Custodian, as applicable, of a
breach of any representation or warranty in clause (a) above which materially
and adversely affects the interests of the Securityholders in any Home Loan, the
Seller shall, within 45 days of its discovery or its receipt of notice of such
breach, either (i) cure such breach in all material respects or (ii) to the
extent that such breach is with respect to a Home Loan or a Related Document,
either (A) repurchase such Home Loan from the Trust at the Repurchase Price, or
(B) substitute one or more Eligible Substitute Loans for such Home Loan, in each
case in the manner and subject to the conditions and limitations set forth
below.

     (c) Upon discovery by the Seller or upon notice from the Purchaser, the
Issuer, the Owner Trustee, the Indenture Trustee or any Custodian, as
applicable, of a breach of any representation or warranty in clause (b) above
with respect to any Home Loan or upon the occurrence of a Repurchase Event that
materially and adversely affects the interests of the Securityholders or of the
Purchaser in such Home Loan (notice of which shall be given to the Purchaser by
the Seller, if it discovers the same), notwithstanding the Seller's lack of
knowledge with respect to the substance of such representation and warranty or
Repurchase Event, the Seller shall, within 90 days after the earlier of its
discovery or receipt of notice thereof, either cure such breach or Repurchase
Event in all material respects or either (i) repurchase such Home Loan from the
Trust at the Repurchase Price, or (ii) substitute one or more Eligible
Substitute Loans for such Home Loan, in each case in the manner and subject to
the conditions set forth below. If the breach of representation and warranty
that gave rise to the obligation to repurchase or substitute a Home Loan
pursuant to this Section 3.1 was the representation and warranty set forth in
clause (x) of Section 3.1(b), then the Seller shall pay, concurrently with and
in addition to the remedies provided in the preceding sentence, an amount equal
to any liability, penalty or expense that was actually incurred and paid out of
or on behalf of the Trust, and that directly resulted from such breach, or if
incurred and paid by the Trust thereafter, concurrently with such payment. The
Repurchase Price for any such Home Loan repurchased by the Seller and any
amounts paid by the Seller in connection with the preceding sentence shall be
deposited or caused to be deposited by the Master Servicer in the Custodial
Account maintained by it pursuant to Section 3.02 of the Servicing Agreement.

     The Seller may only substitute an Eligible Substitute Loan or Loans for a
Deleted Loan pursuant to this Section 3.1(c) if the Seller obtains an Opinion of
Counsel generally to the effect that the substitution of an Eligible Substitute
Loan or Loans for a Deleted Loan will not cause an entity level federal or state
income tax to be imposed on the Trust. The Seller shall also deliver to the
Custodian on behalf of the Trust, with respect to such Eligible Substitute Loan
or Loans, the original Mortgage Note and all other documents and agreements as
are required by Section 2.1(c), with the Mortgage Note endorsed as required by
Section 2.1(c). No substitution will be made in any calendar month after the
Determination Date for such month. Monthly Payments due with respect to Eligible
Substitute Loans in the month of substitution shall not be part of the Trust and
will be retained by the Master Servicer and remitted by the Master Servicer to
the Seller on the next succeeding Payment Date, provided that a payment at least
equal to the

                                       10

applicable Monthly Payment has been received by the Trust, for such month in
respect of the Deleted Loan. For the month of substitution, distributions to the
Custodial Account pursuant to the Servicing Agreement will include the Monthly
Payment due on a Deleted Loan for such month and thereafter the Seller shall be
entitled to retain all amounts received in respect of such Deleted Loan. The
Master Servicer shall amend or cause to be amended the Home Loan Schedule to
reflect the removal of such Deleted Loan and the substitution of the Eligible
Substitute Loan or Loans and the Master Servicer shall deliver the amended Home
Loan Schedule to the Indenture Trustee. Upon such substitution, the Eligible
Substitute Loan or Loans shall be subject to the terms of this Agreement and the
Servicing Agreement in all respects, the Seller shall be deemed to have made the
representations and warranties (other than any statistical representation or
warranty) with respect to the Eligible Substitute Loan set forth in Section
3.1(b) as of the date of substitution, and the Seller shall be obligated to
repurchase or substitute for any Eligible Substitute Loan as to which a
Repurchase Event has occurred as provided herein. In connection with the
substitution of one or more Eligible Substitute Loans for one or more Deleted
Loans, the Master Servicer will determine the amount (such amount, a
"Substitution Adjustment Amount"), if any, by which the aggregate principal
balance of all such Eligible Substitute Loans as of the date of substitution is
less than the aggregate principal balance of all such Deleted Loans (after
application of the principal portion of the Monthly Payments due in the month of
substitution that are to be distributed to the Custodial Account in the month of
substitution). The Seller shall deposit the amount of such shortfall into the
Custodial Account on the day of substitution, without any reimbursement
therefor.

     Upon receipt by the Indenture Trustee on behalf of the Trust and the
Custodian of written notification, signed by a Servicing Officer, of the deposit
of such Repurchase Price or of such substitution of an Eligible Substitute Loan
(together with the complete related Mortgage File) and deposit of any applicable
Substitution Adjustment Amount as provided above, the Custodian, on behalf of
the Indenture Trustee shall release to the Seller the related Mortgage File for
the Home Loan being repurchased or substituted for and the Indenture Trustee on
behalf of the Trust shall execute and deliver such instruments of transfer or
assignment prepared by the Master Servicer, in each case without recourse, as
shall be necessary to vest in the Seller or its designee such Home Loan released
pursuant hereto and thereafter such Home Loan shall not be an asset of the
Trust.

     It is understood and agreed that the obligation of the Seller to cure any
breach, or to repurchase or substitute for, any Home Loan as to which such a
breach has occurred and is continuing shall constitute the sole remedy
respecting such breach available to the Purchaser, the Issuer, the
Certificateholders (or the Owner Trustee on behalf of the Certificateholders)
and the Noteholders (or the Indenture Trustee on behalf of the Noteholders)
against the Seller.

     It is understood and agreed that the representations and warranties set
forth in this Section 3.1 shall survive delivery of the respective Mortgage
Files to the Indenture Trustee, or the Custodian.

                                       11

                                   ARTICLE IV

                               SELLER'S COVENANTS

     Section 4.1. Covenants of the Seller. The Seller hereby covenants that,
except for the transfer hereunder, the Seller will not sell, pledge, assign or
transfer to any other Person, or grant, create, incur or assume any Lien on any
Home Loan, or any interest therein. The Seller will notify the Indenture Trustee
in writing, as assignee of the Purchaser, of the existence of any Lien (other
than as provided above) on any Home Loan immediately upon discovery thereof; and
the Seller will defend the right, title and interest of the Issuer, as assignee
of the Purchaser, in, to and under the Home Loans against all claims of third
parties claiming through or under the Seller; provided, however, that nothing in
this Section 4.1 shall be deemed to apply to any Liens for municipal or other
local taxes and other governmental charges if such taxes or governmental charges
shall not at the time be due and payable or if the Seller shall currently be
contesting the validity thereof in good faith by appropriate proceedings.

                                    ARTICLE V

                                    SERVICING

     Section 5.1. Servicing. The Seller will service the Home Loans pursuant to
the terms and conditions of the Servicing Agreement and will service the Home
Loans directly or through one or more subservicers in accordance therewith.

                                   ARTICLE VI

                      LIMITATION ON LIABILITY OF THE SELLER

     Section 6.1. Limitation on Liability of the Seller. None of the directors,
officers, employees or agents of the Seller shall be under any liability to the
Purchaser, it being expressly understood that all such liability is expressly
waived and released as a condition of, and as consideration for, the execution
of this Agreement. Except as and to the extent expressly provided herein or in
the Servicing Agreement, the Seller shall not be under any liability to the
Trust, the Owner Trustee, the Indenture Trustee or the Securityholders. The
Seller and any director, officer, employee or agent of the Seller may rely in
good faith on any document of any kind prima facie properly executed and
submitted by any Person respecting any matters arising hereunder.

                                   ARTICLE VII

                                   TERMINATION

     Section 7.1. Termination. The respective obligations and responsibilities
of the Seller and the Purchaser created hereby shall terminate, except for the
Seller's indemnity obligations as provided herein, upon the termination of the
Owner Trust pursuant to the terms of the Trust Agreement.

                                       12

                                  ARTICLE VIII

                            MISCELLANEOUS PROVISIONS

     Section 8.1. Amendment. This Agreement may be amended from time to time by
the Seller and the Purchaser by written agreement signed by the Seller and the
Purchaser.

     Section 8.2. GOVERNING LAW. THIS AGREEMENT SHALL BE GOVERNED BY AND
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD
TO ITS CONFLICT OF LAW PROVISIONS (OTHER THAN SECTION 5-1401 OF THE NEW YORK
GENERAL OBLIGATION LAW), AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES
HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

     Section 8.3. Notices. All demands, notices and communications hereunder
shall be in writing and shall be deemed to have been duly given if personally
delivered at or mailed by registered mail, postage prepaid, addressed as
follows:

               (i) if to the Seller:
               Residential Funding Corporation
               8400 Normandale Lake Boulevard
               Suite 250
               Minneapolis, Minnesota 55437
               Attention: Managing Director, Structured Finance

or, such other address as may hereafter be furnished to the Purchaser in writing
by the Seller.

               (ii) if to the Purchaser:
               Residential Funding Mortgage Securities II, Inc.
               8400 Normandale Lake Boulevard
               Suite 250
               Minneapolis, Minnesota 55437
               Attention: Managing Director, Structured Finance

               (iii) if to the Custodian:
               [____________]
               [____________]
               [____________]
               [____________]

or such other address as may hereafter be furnished to the Seller in writing by
the Purchaser.

     Section 8.4. Severability of Provisions. If any one or more of the
covenants, agreements, provisions of terms of this Agreement shall be held
invalid for any reason whatsoever, then such covenants, agreements, provisions
or terms shall be deemed severable from the remaining covenants, agreements,
provisions or terms of this Agreement and shall in no way affect the validity of
enforceability of the other provisions of this Agreement.

                                       13

     Section 8.5. Relationship of Parties. Nothing herein contained shall be
deemed or construed to create a partnership or joint venture between the parties
hereto, and the services of the Seller shall be rendered as an independent
contractor and not as agent for the Purchaser.

     Section 8.6. Counterparts. This Agreement may be executed in one or more
counterparts and by the different parties hereto on separate counterparts, each
of which, when so executed, shall be deemed to be an original and such
counterparts, together, shall constitute one and the same agreement.

     Section 8.7. Further Agreements. The Purchaser and the Seller each agree to
execute and deliver to the other such additional documents, instruments or
agreements as may be necessary or appropriate to effectuate the purposes of this
Agreement.

     Section 8.8. Intention of the Parties. It is the intention of the parties
that the Purchaser is purchasing, and the Seller is selling, the Home Loans,
rather than a loan by the Purchaser to the Seller secured by the Home Loans.
Accordingly, the parties hereto each intend to treat the transaction for federal
income tax purposes as a sale by the Seller, and a purchase by the Purchaser, of
the Home Loans. The Purchaser will have the right to review the Home Loans and
the Related Documents to determine the characteristics of the Home Loans which
will affect the federal income tax consequences of owning the Home Loans and the
Seller will cooperate with all reasonable requests made by the Purchaser in the
course of such review.

     Section 8.9. Successors and Assigns; Assignment of This Agreement. This
Agreement shall bind and inure to the benefit of and be enforceable by the
Seller, Purchaser and their respective successors and assigns. The obligations
of the Seller under this Agreement cannot be assigned or delegated to a third
party without the consent of the Purchaser, which consent shall be at the
Purchaser's sole discretion, except that the Purchaser acknowledges and agrees
that the Seller may assign its obligations hereunder to any Affiliate of the
Seller, to any Person succeeding to the business of the Seller, to any Person
into which the Seller is merged and to any Person resulting from any merger,
conversion or consolidation to which the Seller is a party. The parties hereto
acknowledge that the Purchaser is acquiring the Home Loans for the purpose of
contributing them to the Issuer. Pursuant to the terms of the Trust Agreement,
the Issuer will issue and transfer to or at the direction of the Purchaser, the
Certificates and pursuant to the terms of the Indenture, the Issuer will issue
and transfer to or at the direction of the Purchaser, the Notes secured by the
Home Loans. As an inducement to the Purchaser to purchase the Home Loans, the
Seller acknowledges and consents to (i) the assignment by the Purchaser to the
Issuer of all of the Purchaser's rights against the Seller pursuant to this
Agreement insofar as such rights relate to Home Loans transferred to the Issuer
and to the enforcement or exercise of any right or remedy against the Seller
pursuant to this Agreement by the Issuer, (ii) the enforcement or exercise of
any right or remedy against the Seller pursuant to this Agreement by or on
behalf of the Issuer and (iii) the Issuer's pledge of its interest in this
Agreement to the Indenture Trustee and the enforcement by the Indenture Trustee
of any such right or remedy against the Seller following an Event of Default
under the Indenture. Such enforcement of a right or remedy by the Issuer or the
Indenture Trustee, as applicable, shall have the same force and effect as if the
right or remedy had been enforced or exercised by the Purchaser directly.

                                       14

     Section 8.10. Survival. The representations and warranties made herein by
the Seller and the provisions of Article VI hereof shall survive the purchase of
the Home Loans hereunder.

                                       15

     IN WITNESS WHEREOF, the Seller and the Purchaser have caused their names to
be signed to this Home Loan Purchase Agreement by their respective officers
thereunto duly authorized as of the day and year first above written.

                                        RESIDENTIAL FUNDING MORTGAGE
                                        SECURITIES II, INC.
                                        as Purchaser

                                        By:
                                            ------------------------------------
                                        Name:
                                        Title:

                                        RESIDENTIAL FUNDING CORPORATION
                                        as Seller

                                        By:
                                            ------------------------------------
                                        Name:
                                        Title:

                                    EXHIBIT A

                               HOME LOAN SCHEDULE

                             (Provided Upon Request)

                                    EXHIBIT B

          APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT
                       FOR LEVELS(R) VERSION 5.6C REVISED

                                                           REVISED July 11, 2005

Standard & Poor's has categorized loans governed by anti-predatory lending laws
in the Jurisdictions listed below into three categories based upon a combination
of factors that include (a) the risk exposure associated with the assignee
liability and (b) the tests and thresholds set forth in those laws. Note that
certain loans classified by the relevant statute as Covered are included in
Standard & Poor's High Cost Loan Category because they included thresholds and
tests that are typical of what is generally considered High Cost by the
industry.

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                  Name of Anti-Predatory Lending           Category under Applicable
     State/Jurisdiction                 Law/Effective Date                 Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

Arkansas                      Arkansas Home Loan Protection Act,       High Cost Home Loan
                              Ark. Code Ann. Sections 23-53-101
                              et seq.

                              Effective July 16, 2003
--------------------------------------------------------------------------------------------------------
Cleveland Heights, OH         Ordinance No. 72-2003 (PSH), Mun. Code   Covered Loan
                              Sections 757.01 et seq.

                              Effective June 2, 2003
--------------------------------------------------------------------------------------------------------
Colorado                      Consumer Equity Protection, Colo.        Covered Loan
                              Stat. Ann. Sections 5-3.5-101 et seq.

                              Effective for covered loans offered or
                              entered into on or after January 1,
                              2003. Other provisions of the Act took
                              effect on June 7, 2002
--------------------------------------------------------------------------------------------------------
Connecticut                   Connecticut Abusive Home Loan Lending    High Cost Home Loan
                              Practices Act, Conn. Gen. Stat.
                              Sections 36a-746 et seq.

                              Effective October 1, 2001
--------------------------------------------------------------------------------------------------------
District of Columbia          Home Loan Protection Act, D.C. Code      Covered Loan
                              Sections 26-1151.01 et seq.

                              Effective for loans closed on or after
                              January 28, 2003
--------------------------------------------------------------------------------------------------------

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                  Name of Anti-Predatory Lending           Category under Applicable
     State/Jurisdiction                 Law/Effective Date                 Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

Florida                       Fair Lending Act, Fla. Stat. Ann.        High Cost Home Loan
                              Sections 494.0078 et seq.

                              Effective October 2, 2002
--------------------------------------------------------------------------------------------------------
Georgia (Oct. 1, 2002 -       Georgia Fair Lending Act, Ga. Code       High Cost Home Loan
Mar. 6, 2003)                 Ann. Sections 7-6A-1 et seq.

                              Effective October 1, 2002 - March 6,
                              2003
--------------------------------------------------------------------------------------------------------
Georgia as amended (Mar.      Georgia Fair Lending Act, Ga. Code       High Cost Home Loan
7, 2003 - current)            Ann. Sections 7-6A-1 et seq.

                              Effective for loans closed on or after
                              March 7, 2003
--------------------------------------------------------------------------------------------------------
HOEPA Section 32              Home Ownership and Equity Protection     High Cost Loan
                              Act of 1994, 15 U.S.C. Section 1639,
                              12 C.F.R. Sections 226.32 and 226.34

                              Effective October 1, 1995, amendments
                              October 1, 2002
--------------------------------------------------------------------------------------------------------
Illinois                      High Risk Home Loan Act, Ill. Comp.      High Risk Home Loan
                              Stat. tit. 815, Sections 137/5 et seq.

                              Effective January 1, 2004 (prior to
                              this date, regulations under
                              Residential Mortgage License Act
                              effective from May 14, 2001)
--------------------------------------------------------------------------------------------------------
Kansas                        Consumer Credit Code, Kan. Stat. Ann.    High Loan to Value Consumer Loan
                              Sections 16a-1-101 et seq.               (id. Section 16a-3-207) and;

                              Sections 16a-1-301 and 16a-3-207
                              became effective April 14, 1999;         High APR Consumer Loan (id.
                              Section 16a-3-308a became effective      Section 16a-3-308a)
                              July 1, 1999
--------------------------------------------------------------------------------------------------------
Kentucky                      2003 KY H.B. 287 - High Cost Home Loan   High Cost Home Loan
                              Act, Ky. Rev. Stat. Sections 360.100
                              et seq.

                              Effective June 24, 2003
--------------------------------------------------------------------------------------------------------
Maine                         Truth in Lending, Me. Rev. Stat. tit.    High Rate High Fee Mortgage
                              9-A, Sections 8-101 et seq.
--------------------------------------------------------------------------------------------------------

                                       2

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                  Name of Anti-Predatory Lending           Category under Applicable
     State/Jurisdiction                 Law/Effective Date                 Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

                              Effective September 29, 1995 and as
                              amended from time to time
--------------------------------------------------------------------------------------------------------
Massachusetts                 Part 40 and Part 32, 209 C.M.R.          High Cost Home Loan
                              Sections 32.00 et seq. and 209 C.M.R.
                              Sections 40.01 et seq.

                              Effective March 22, 2001 and amended
                              from time to time
--------------------------------------------------------------------------------------------------------
Nevada                        Assembly Bill No. 284, Nev. Rev. Stat.   Home Loan
                              Sections 598D.010 et seq.

                              Effective October 1, 2003
--------------------------------------------------------------------------------------------------------
New Jersey                    New Jersey Home Ownership Security Act   High Cost Home Loan
                              of 2002, N.J. Rev. Stat. Sections
                              46:10B-22 et seq.

                              Effective for loans closed on or after
                              November 27, 2003
--------------------------------------------------------------------------------------------------------
New Mexico                    Home Loan Protection Act, N.M. Rev.      High Cost Home Loan
                              Stat. Sections 58-21A-1 et seq.

                              Effective as of January 1, 2004;
                              Revised as of February 26, 2004
--------------------------------------------------------------------------------------------------------
New York                      N.Y. Banking Law Article 6-l             High Cost Home Loan

                              Effective for applications made on or
                              after April 1, 2003
--------------------------------------------------------------------------------------------------------
North Carolina                Restrictions and Limitations on High     High Cost Home Loan
                              Cost Home Loans, N.C. Gen. Stat.
                              Sections 24-1.1E et seq.

                              Effective July 1, 2000; amended
                              October 1, 2003 (adding open-end lines
                              of credit)
--------------------------------------------------------------------------------------------------------
Ohio                          H.B. 386 (codified in various sections   Covered Loan
                              of the Ohio Code), Ohio Rev. Code Ann.
                              Sections 1349.25 et seq.

                              Effective May 24, 2002
--------------------------------------------------------------------------------------------------------
Oklahoma                      Consumer Credit Code (codified in        Subsection 10 Mortgage
                              various sections of Title 14A)
--------------------------------------------------------------------------------------------------------

                                       3

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                  Name of Anti-Predatory Lending           Category under Applicable
     State/Jurisdiction              Law/Effective Date                    Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

                              Effective July 1, 2000; amended
                              effective January 1, 2004
--------------------------------------------------------------------------------------------------------
South Carolina                South Carolina High Cost and Consumer    High Cost Home Loan
                              Home Loans Act, S.C. Code Ann.
                              Sections 37-23-10 et seq.

                              Effective for loans taken on or after
                              January 1, 2004
--------------------------------------------------------------------------------------------------------
West Virginia                 West Virginia Residential Mortgage       West Virginia Mortgage Loan
                              Lender, Broker and Servicer Act, W.      Act Loan
                              Va. Code Ann. Sections 31-17-1 et seq.

                              Effective June 5, 2002
--------------------------------------------------------------------------------------------------------

                                        4

STANDARD & POOR'S COVERED LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                  Name of Anti-Predatory Lending           Category under Applicable
    State/Jurisdiction                 Law/Effective Date                  Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

Georgia (Oct. 1, 2002 -       Georgia Fair Lending Act, Ga. Code       Covered Loan
Mar. 6, 2003)                 Ann. Sections 7-6A-1 et seq.

                              Effective October 1, 2002 - March 6,
                              2003
--------------------------------------------------------------------------------------------------------
New Jersey                    New Jersey Home Ownership Security Act   Covered Home Loan
                              of 2002, N.J. Rev. Stat. Sections
                              46:10B-22 et seq.

                              Effective November 27, 2003 - July 5,
                              2004
--------------------------------------------------------------------------------------------------------

STANDARD & POOR'S HOME LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                  Name of Anti-Predatory Lending           Category under Applicable
     State/Jurisdiction                Law/Effective Date                  Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

Georgia (Oct. 1, 2002 -       Georgia Fair Lending Act, Ga. Code       Home Loan
Mar. 6, 2003)                 Ann. Sections 7-6A-1 et seq.

                              Effective October 1, 2002 - March 6,
                              2003
--------------------------------------------------------------------------------------------------------
New Jersey                    New Jersey Home Ownership Security Act   Home Loan
                              of 2002, N.J. Rev. Stat. Sections
                              46:10B-22 et seq.

                              Effective for loans closed on or after
                              November 27, 2003
--------------------------------------------------------------------------------------------------------
New Mexico                    Home Loan Protection Act, N.M. Rev.      Home Loan
                              Stat. Sections 58-21A-1 et seq.

                              Effective as of January 1, 2004;
                              Revised as of February 26, 2004
--------------------------------------------------------------------------------------------------------

                                        5

STANDARD & POOR'S HOME LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                  Name of Anti-Predatory Lending           Category under Applicable
     State/Jurisdiction                Law/Effective Date                  Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

North Carolina                Restrictions and Limitations on High     Consumer Home Loan
                              Cost Home Loans, N.C. Gen. Stat.
                              Sections 24-1.1E et seq.

                              Effective July 1, 2000; amended
                              October 1, 2003 (adding open-end lines
                              of credit)
--------------------------------------------------------------------------------------------------------
South Carolina                South Carolina High Cost and Consumer    Consumer Home Loan
                              Home Loans Act, S.C. Code Ann.
                              Sections 37-23-10 et seq.

                              Effective for loans taken on or after
                              January 1, 2004
--------------------------------------------------------------------------------------------------------

                                        6EXHIBIT 10.2

                   FORM OF ASSIGNMENT AND ASSUMPTION AGREEMENT

     ASSIGNMENT AND ASSUMPTION AGREEMENT, dated as of [______ __], 200[_],
between Residential Funding Corporation, a Delaware corporation ("RFC") and
Residential Asset Mortgage Products, Inc., a Delaware corporation (the
"Company").

                                    Recitals

     A. RFC has entered into seller contracts ("Seller Contracts") with the
seller/servicers.

     B. The Company wishes to purchase from RFC certain Mortgage Loans (as
hereinafter defined) originated pursuant to the Seller Contracts with respect
thereto.

     C. The Company, RFC, as master servicer, and U.S. Bank National
Association, as trustee (the "Trustee"), are entering into a Pooling and
Servicing Agreement dated as of [______ __], 200[_] (the "Pooling and Servicing
Agreement"), pursuant to which the Trust proposes to issue Mortgage Asset-Backed
Pass-Through Certificates, Series 200[_]-[___] (the "Certificates") designated
as Class A-1, Class A-2, Class A-3, Class M-1, Class M-2, Class M-3, Class M-4,
Class M-5, Class M-6, Class M-7, Class M-8, Class M-9, Class M-10, Class SB,
Class R-I and Class R-II Certificates representing beneficial ownership
interests in a trust fund consisting primarily of a pool of mortgage loans
identified in Exhibit G to the Pooling and Servicing Agreement (the "Mortgage
Loans").

     D. In connection with the purchase of the Mortgage Loans, the Company will
assign to or at the direction of RFC the Class SB, Class R-I and Class R-II
Certificates (collectively, the "Retained Certificates").

     E. In connection with the purchase of the Mortgage Loans and the issuance
of the Certificates, RFC wishes to make certain representations and warranties
to the Company.

     F. The Company and RFC intend that the conveyance by RFC to the Company of
all its right, title and interest in and to the Mortgage Loans pursuant to this
Agreement shall constitute a purchase and sale and not a loan.

     NOW THEREFORE, in consideration of the recitals and the mutual promises
herein and other good and valuable consideration, the parties agree as follows:

     1. All capitalized terms used but not defined herein shall have the
meanings assigned thereto in the Pooling and Servicing Agreement.

     2. Concurrently with the execution and delivery hereof, RFC hereby assigns
to the Company without recourse all of its right, title and interest in and to
the Mortgage Loans, including all interest and principal received on or with
respect to the Mortgage Loans after the Cut-off Date (other than payments of
principal and interest due on the Mortgage Loans in October 200[_]). In
consideration of such assignment, RFC will receive from the Company, in
immediately available funds, an amount equal to $[____________] and the Retained
Certificates. In connection with such assignment and at the Company's direction,
RFC has in respect of each Mortgage Loan endorsed the related Mortgage Note
(other than any Destroyed Mortgage Note)

to the order of the Trustee and delivered an assignment of mortgage in
recordable form to the Trustee or its agent. A Destroyed Mortgage Note means a
Mortgage Note the original of which was permanently lost or destroyed.

     The Company and RFC intend that the conveyance by RFC to the Company of all
its right, title and interest in and to the Mortgage Loans pursuant to this
Section 2 shall be, and shall be construed as, a sale of the Mortgage Loans by
RFC to the Company. It is, further, not intended that such conveyance be deemed
to be a pledge of the Mortgage Loans by RFC to the Company to secure a debt or
other obligation of RFC. However, in the event that the Mortgage Loans are held
to be property of RFC, or if for any reason this Agreement is held or deemed to
create a security interest in the Mortgage Loans, then it is intended that (a)
this Agreement shall also be deemed to be a security agreement within the
meaning of Articles 8 and 9 of the Minnesota Uniform Commercial Code and the
Uniform Commercial Code of any other applicable jurisdiction; (b) the conveyance
provided for in this Section shall be deemed to be a grant by RFC to the Company
of a security interest in all of RFC's right (including the power to convey
title thereto), title and interest, whether now owned or hereafter acquired, in
and to (A) the Mortgage Loans, including the Mortgage Notes, the Mortgages, any
related insurance policies and all other documents in the related Mortgage
Files, (B) all amounts payable pursuant to the Mortgage Loans in accordance with
the terms thereof and (C) any and all general intangibles, payment intangibles,
accounts, chattel paper, instruments, documents, money, deposit accounts,
certificates of deposit, goods, letters of credit, advices of credit and
investment property and other property of whatever kind or description now
existing or hereafter acquired consisting of, arising from or relating to any of
the foregoing, and all proceeds of the conversion, voluntary or involuntary, of
the foregoing into cash, instruments, securities or other property, including,
without limitation, all amounts from time to time held or invested in the
Certificate Account or the Custodial Account, whether in the form of cash,
instruments, securities or other property; (c) the possession by the Trustee,
the Custodian or any other agent of the Trustee of Mortgage Notes or such other
items of property as constitute instruments, money, negotiable documents or
chattel paper shall be deemed to be "possession by the secured party", or
possession by a purchaser or a person designated by him, for purposes of
perfecting the security interest pursuant to the Minnesota Uniform Commercial
Code and the Uniform Commercial Code of any other applicable jurisdiction
(including, without limitation, Section 9-305, 8-313 or 8-321 thereof); and (d)
notifications to persons holding such property, and acknowledgments, receipts or
confirmations from persons holding such property, shall be deemed notifications
to, or acknowledgments, receipts or confirmations from, financial
intermediaries, bailees or agents (as applicable) of the Trustee for the purpose
of perfecting such security interest under applicable law. RFC shall, to the
extent consistent with this Agreement, take such reasonable actions as may be
necessary to ensure that, if this Agreement were deemed to create a security
interest in the Mortgage Loans and the other property described above, 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. Without limiting the generality of the foregoing, RFC shall
prepare and deliver to the Company no less than 15 days prior to any filing
date, and the Company shall file, or shall cause to be filed, at the expense of
RFC, all filings necessary to maintain the effectiveness of any original filings
necessary under the Uniform Commercial Code as in effect in any jurisdiction to
perfect the Company's security interest in or lien on the Mortgage Loans
including without limitation (x) continuation statements and (y) such other
statements as may be occasioned by (1) any change of name of RFC or the Company,
(2) any

                                        2

change of location of the state of formation, place of business or the
chief executive office of RFC, or (3) any transfer of any interest of RFC in any
Mortgage Loan.

     3. Concurrently with the execution and delivery hereof, the Company hereby
assigns to or at the direction of RFC without recourse all of its right, title
and interest in and to the Retained Certificates as part of the consideration
payable to RFC by the Company pursuant to this Agreement.

     4. RFC represents and warrants to the Company, with respect to each
Mortgage Loan that on the date of execution hereof (or, if otherwise specified
below, as of the date so specified),

          (a) The information set forth in the Mortgage Loan Schedule for such
     Mortgage Loans is true and correct in all material respects as of the date
     or dates respecting which such information is furnished;

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

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

          (d) Each Mortgage Note constitutes a legal, valid and binding
     obligation of the Mortgagor enforceable in accordance with its terms except
     as limited by bankruptcy, insolvency or other similar laws affecting
     generally the enforcement of creditors' rights;

          (e) To the best of RFC's knowledge as of the Cut-off Date, and except
     as noted in (h) below, there is no default, breach, violation or event of
     acceleration existing under the terms of any Mortgage Note or Mortgage and
     no event which, with notice and expiration of any grace or cure period,
     would constitute a default, breach, violation or event of acceleration
     under the terms of any Mortgage Note or Mortgage, and no such default,
     breach, violation or event of acceleration has been waived by RFC or by any
     other entity involved in servicing a Mortgage Loan;

          (f) [RESERVED];

          (g) The related Mortgagor is not currently in bankruptcy proceedings
     with respect to any of the Mortgage Loans;

          (h) As of the Cut-Off Date, 0.10% of the Mortgage Loans are 30 to 59
     days Delinquent in payment of principal and interest and none of the
     Mortgage Loans are 60 or more days Delinquent in payment of principal and
     interest;

          (i) None of the Mortgage Loans are Buy-Down Mortgage Loans;

                                        3

          (j) To the best of RFC's knowledge, there is no delinquent tax or
     assessment lien against any related Mortgaged Property;

          (k) No Mortgagor has any valid right of offset, defense or
     counterclaim as to the related Mortgage Note or Mortgage, except as may be
     provided under the Servicemembers Civil Relief Act;

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

          (m) (1) The proceeds of each Mortgage Loan have been fully disbursed
     and (2) to the best of RFC's knowledge, there is no requirement for future
     advances thereunder and any and all requirements as to completion of any
     on-site or off-site improvements and as to disbursements of any escrow
     funds therefor (including any escrow funds held to make Monthly Payments
     pending completion of such improvements) have been complied with. All
     costs, fees and expenses incurred in making, closing or recording the
     Mortgage Loans were paid;

          (n) To the best of RFC's knowledge, with respect to each Mortgage
     Loan, there are no mechanics' liens or claims for work, labor or material
     affecting any Mortgaged Property which are or may be a lien prior to, or
     equal with, the lien of the related Mortgage, except such liens that are
     insured or indemnified against by a title insurance policy;

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

          (p) Each Mortgaged Property is free of damage and in good repair, no
     notice of condemnation has been given with respect thereto and RFC knows of
     nothing involving any Mortgaged Property that could reasonably be expected
     to materially adversely affect the value or marketability of any Mortgaged
     Property;

          (q) Each Mortgage contains customary and enforceable provisions which
     render the rights and remedies of the holder adequate to realize the
     benefits of the security against the Mortgaged Property, including (i) in
     the case of a Mortgage that is a deed of trust, by trustee's sale, or (ii)
     by judicial foreclosure or, if applicable, non judicial foreclosure, and to
     the best of RFC's knowledge, there is no homestead or other exemption
     available to the Mortgagor that would interfere with such right to sell at
     a trustee's sale or right to foreclosure, subject in each case to
     applicable federal and state laws and judicial precedents with respect to
     bankruptcy and right of redemption;

          (r) To the best of RFC's knowledge, with respect to each Mortgage that
     is a deed of trust, a trustee duly qualified under applicable law to serve
     as such is properly named, designated and serving, and except in connection
     with a trustee's sale after default by a Mortgagor, no fees or expenses are
     payable by the seller or RFC to the trustee under any Mortgage that is a
     deed of trust;

                                        4

          (s) If the improvements securing a Mortgage Loan are located in a
     federal designated special flood hazard area, flood insurance in the amount
     required under the Program Guide covers such Mortgaged Property (either by
     coverage under the federal flood insurance program or by coverage from
     private insurers);

          (t) To the extent an appraisal was made on a Mortgage Loan, the
     appraisal was made by an appraiser who meets the minimum qualifications for
     appraisers as specified in the Program Guide;

          (u) Each Mortgage Loan is covered by a standard hazard insurance
     policy;

          (v) If any of the Mortgage Loans are secured by a leasehold interest,
     with respect to each leasehold interest: the use of leasehold estates for
     residential properties is an accepted practice in the area where the
     related Mortgaged Property is located; residential property in such area
     consisting of leasehold estates is readily marketable; the lease is
     recorded and no party is in any way in breach of any provision of such
     lease; the leasehold is in full force and effect and is not subject to any
     prior lien or encumbrance by which the leasehold could be terminated or
     subject to any charge or penalty (other than with respect to any junior
     lien Mortgage Loans); and the remaining term of the lease does not
     terminate less than ten years after the maturity date of such Mortgage
     Loan;

          (w) To the best of RFC's knowledge, any escrow arrangements
     established with respect to any Mortgage Loan are in compliance with all
     applicable local, state and federal laws and are in compliance with the
     terms of the related Mortgage Note;

          (x) None of the Mortgage Loans in the mortgage pool are loans that,
     under applicable state or local law in effect at the time of origination of
     the loan, are referred to as (1) "high-cost" or "covered" loans or (2) any
     other similar designation if the law imposes greater restrictions or
     additional legal liability for residential mortgage loans with high
     interest rates, points and/or fees;

          (y) With respect to each Mortgage Loan, no borrower obtained a prepaid
     single-premium credit-life, credit disability, credit unemployment or
     credit property insurance policy in connection with the origination of the
     Mortgage Loan;

          (z) None of the Mortgage Loans contain prepayment penalties that
     extend beyond three years after the date of origination;

          (aa) None of the Mortgage Loans are subject to the Homeownership Act;

          (bb) Each Mortgage Loan at the time it was made complied in all
     material respects with applicable local, state, and federal laws,
     including, but not limited to, all applicable anti-predatory lending laws;

          (cc) No Mortgage Loan is a High Cost Loan or Covered Loan, as
     applicable (as such terms are defined in Appendix E of the Standard &
     Poor's Glossary For File Format For LEVELS(R) Version 5.6c Revised
     (attached hereto as Exhibit 1);

                                        5

          (dd) No Mortgage Loan was originated on or after October 1, 2002 and
     before March 7, 2003, which is secured by property located in the State of
     Georgia; and

          (ee) Each Mortgage Loan is secured by Mortgaged Property located
     within the United States.

     Upon discovery by RFC or upon notice from the Company or the Trustee of a
breach of the foregoing representations and warranties in respect of any
Mortgage Loan, or upon the occurrence of a Repurchase Event as described in
Section 5 below, which materially and adversely affects the interests of any
holders of the Certificates or the Company in such Mortgage Loan (notice of
which shall be given to the Company by RFC, if it discovers the same), RFC
shall, within 90 days after the earlier of its discovery or receipt of notice
thereof, either cure such breach or Repurchase Event in all material respects
or, except as otherwise provided in Section 2.04 of the Pooling and Servicing
Agreement, either (i) purchase such Mortgage Loan from the Trustee or the
Company, as the case may be, at a price equal to the Purchase Price for such
Mortgage Loan or (ii) substitute a Qualified Substitute Mortgage Loan or Loans
for such Mortgage Loan in the manner and subject to the limitations set forth in
Section 2.04 of the Pooling and Servicing Agreement. If the breach of
representation and warranty that gave rise to the obligation to repurchase or
substitute a Mortgage Loan pursuant to this Section 4 was the representation and
warranty set forth in clause (bb) of this Section 4, then RFC shall pay to the
Trust Fund, concurrently with and in addition to the remedies provided in the
preceding sentence, an amount equal to any liability, penalty or expense that
was actually incurred and paid out of or on behalf of the Trust Fund, and that
directly resulted from such breach, or if incurred and paid by the Trust Fund
thereafter, concurrently with such payment.

     5. With respect to each Mortgage Loan, a repurchase event ("Repurchase
Event") shall have occurred if one or both of the following occur: (A) it is
discovered that, as of the date hereof, the related Mortgage was not a valid
first lien (or second lien, with respect to junior lien Mortgage Loans) on the
related Mortgaged Property subject only to (i) the lien of real property taxes
and assessments not yet due and payable, (ii) covenants, conditions, and
restrictions, rights of way, easements and other matters of public record as of
the date of recording of such Mortgage and such other permissible title
exceptions as are listed in the Program Guide, (iii) other matters to which like
properties are commonly subject which do not materially adversely affect the
value, use, enjoyment or marketability of the Mortgaged Property and (iv) with
respect to junior lien Mortgage Loans, the senior mortgage loan thereon or (B)
it is discovered that, as of the time of its origination and as of the date of
execution hereof, the Mortgage Loan did not comply in all material respects with
all applicable local, state and federal laws. In addition, with respect to any
Mortgage Loan listed on the attached Schedule A with respect to which any
document or documents constituting a part of the Mortgage File are missing or
defective in any material respect, if such Mortgage Loan subsequently is in
default and the enforcement thereof or of the related Mortgage is materially and
adversely affected by the absence or defectiveness of any such document or
documents, a Repurchase Event shall be deemed to have occurred and RFC will be
obligated to repurchase or substitute for such Mortgage Loan in the manner set
forth in Section 4 above.

     6. [RESERVED].

                                        6

     7. This Agreement shall inure to the benefit of and be binding upon the
parties hereto and their respective successors and assigns, and no other person
shall have any right or obligation hereunder.

     8. RFC, as master servicer under the Pooling and Servicing Agreement (the
"Master Servicer"), shall not waive (or permit a sub-servicer to waive) any
Prepayment Charge unless: (i) the enforceability thereof shall have been limited
by bankruptcy, insolvency, moratorium, receivership and other similar laws
relating to creditors' rights generally, (ii) the enforcement thereof is
illegal, or any local, state or federal agency has threatened legal action if
the prepayment penalty is enforced, (iii) the collectability thereof shall have
been limited due to acceleration in connection with a foreclosure or other
involuntary payment or (iv) such waiver is standard and customary in servicing
similar Mortgage Loans and relates to a default or a reasonably foreseeable
default and would, in the reasonable judgment of the Master Servicer, maximize
recovery of total proceeds taking into account the value of such Prepayment
Charge and the related Mortgage Loan. In no event will the Master Servicer waive
a Prepayment Charge in connection with a refinancing of a Mortgage Loan that is
not related to a default or a reasonably foreseeable default. If a Prepayment
Charge is waived, but does not meet the standards described above, then the
Master Servicer is required to pay the amount of such waived Prepayment Charge
to the holder of the Class SB Certificates at the time that the amount prepaid
on the related Mortgage Loan is required to be deposited into the Custodial
Account. Notwithstanding any other provisions of this Agreement, any payments
made by the Master Servicer in respect of any waived Prepayment Charges pursuant
to this Section shall be deemed to be paid outside of the Trust Fund and not
part of any REMIC.

     9. This Agreement will be governed by and construed in accordance with the
laws of the State of New York, without regard to the conflict of law principles
thereof, other than Sections 5-1401 and 5-1402 of the New York General
Obligations Law.

                                        7

     IN WITNESS WHEREOF, the parties have entered into this Assignment and
Assumption Agreement as of the date first above written.

                                              RESIDENTIAL FUNDING CORPORATION

                                              By:
                                                  ------------------------------
                                              Name:
                                              Title:

                                              RESIDENTIAL ASSET MORTGAGE
                                              PRODUCTS, INC.

                                              By:
                                                  ------------------------------
                                              Name:
                                              Title:

                                   SCHEDULE A

            Schedule of Mortgage Loans with Defective Mortgage Files

                                 (see attached)

                                       A-1

                                    EXHIBIT 1

                                                           REVISED JULY 11, 2005

APPENDIX E - STANDARD & POOR'S PREDATORY LENDING CATEGORIES

Standard & Poor's has categorized loans governed by anti-predatory lending laws
in the Jurisdictions listed below into three categories based upon a combination
of factors that include (a) the risk exposure associated with the assignee
liability and (b) the tests and thresholds set forth in those laws. Note that
certain loans classified by the relevant statute as Covered are included in
Standard & Poor's High Cost Loan Category because they included thresholds and
tests that are typical of what is generally considered High Cost by the
industry.

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                 Name of Anti-Predatory Lending            Category under Applicable
   State/Jurisdiction                  Law/Effective Date                  Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

Arkansas                   Arkansas Home Loan Protection Act, Ark.     High Cost Home Loan
                           Code Ann. Sections 23-53-101 et seq.

                           Effective July 16, 2003
--------------------------------------------------------------------------------------------------------
Cleveland Heights, OH      Ordinance No. 72-2003 (PSH), Mun. Code       Covered Loan
                           Sections 757.01 et seq.

                           Effective June 2, 2003
--------------------------------------------------------------------------------------------------------
Colorado                   Consumer Equity Protection, Colo. Stat.     Covered Loan
                           Ann. Sections 5-3.5-101 et seq.

                           Effective for covered loans offered or
                           entered into on or after January 1, 2003.
                           Other provisions of the Act took effect
                           on June 7, 2002
--------------------------------------------------------------------------------------------------------
Connecticut                Connecticut Abusive Home Loan Lending       High Cost Home Loan
                           Practices Act, Conn. Gen. Stat. Sections
                           36a-746 et seq.

                           Effective October 1, 2001
--------------------------------------------------------------------------------------------------------
District of Columbia       Home Loan Protection Act, D.C. Code         Covered Loan
                           Sections 26-1151.01 et seq.

                           Effective for loans closed on or after
                           January 28, 2003
--------------------------------------------------------------------------------------------------------
Florida                    Fair Lending Act, Fla. Stat. Ann.           High Cost Home Loan
                           Sections 494.0078 et seq.

                           Effective October 2, 2002
--------------------------------------------------------------------------------------------------------

                                   Exhibit 1-1

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                 Name of Anti-Predatory Lending            Category under Applicable
   State/Jurisdiction                  Law/Effective Date                  Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

Georgia (Oct. 1, 2002 -    Georgia Fair Lending Act, Ga. Code Ann.     High Cost Home Loan
Mar. 6, 2003)              Sections 7-6A-1 et seq.

                           Effective October 1, 2002 - March 6, 2003
--------------------------------------------------------------------------------------------------------
Georgia as amended (Mar.   Georgia Fair Lending Act, Ga. Code Ann.     High Cost Home Loan
7, 2003 - current)         Sections 7-6A-1 et seq.

                           Effective for loans closed on or after
                           March 7, 2003
--------------------------------------------------------------------------------------------------------
HOEPA Section 32           Home Ownership and Equity Protection Act    High Cost Loan
                           of 1994, 15 U.S.C. Section 1639, 12
                           C.F.R. Sections 226.32 and 226.34

                           Effective October 1, 1995, amendments
                           October 1, 2002
--------------------------------------------------------------------------------------------------------
Illinois                   High Risk Home Loan Act, Ill. Comp. Stat.   High Risk Home Loan
                           tit. 815, Sections 137/5 et seq.

                           Effective January 1, 2004 (prior to this
                           date, regulations under Residential
                           Mortgage License Act effective from May
                           14, 2001)
--------------------------------------------------------------------------------------------------------
Kansas                     Consumer Credit Code, Kan. Stat. Ann.       High Loan to Value Consumer
                           Sections 16a-1-101 et seq.                  Loan (id. Section 16a-3-207) and;

                           Sections 16a-1-301 and 16a-3-207 became
                           effective April 14, 1999; Section           High APR Consumer Loan
                           16a-3-308a  became effective July 1, 1999   (id. Section 16a-3-308a)
--------------------------------------------------------------------------------------------------------
Kentucky                   2003 KY H.B. 287 - High Cost Home Loan      High Cost Home Loan
                           Act, Ky. Rev. Stat. Sections 360.100
                           et seq.

                           Effective June 24, 2003
--------------------------------------------------------------------------------------------------------
Maine                      Truth in Lending, Me. Rev. Stat. tit.       High Rate High Fee Mortgage
                           9-A, Sections 8-101 et seq.

                           Effective September 29, 1995 and as
                           amended from time to time
--------------------------------------------------------------------------------------------------------

                                   Exhibit 1-2

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                 Name of Anti-Predatory Lending            Category under Applicable
   State/Jurisdiction                  Law/Effective Date                  Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

Massachusetts              Part 40 and Part 32,                        High Cost Home Loan
                           209 C.M.R. Sections 32.00 et seq. and
                           209 C.M.R. Sections 40.01 et seq.

                           Effective March 22, 2001 and amended from
                           time to time
--------------------------------------------------------------------------------------------------------
Nevada                     Assembly Bill No. 284, Nev. Rev. Stat.      Home Loan
                           Sections 598D.010 et seq.

                           Effective October 1, 2003
--------------------------------------------------------------------------------------------------------
New Jersey                 New Jersey Home Ownership Security          High Cost Home Loan
                           Act of 2002,
                           N.J. Rev. Stat. Sections 46:10B-22
                           et seq.

                           Effective for loans closed on or after
                           November 27, 2003
--------------------------------------------------------------------------------------------------------
New Mexico                 Home Loan Protection Act, N.M. Rev. Stat.   High Cost Home Loan
                           Sections 58-21A-1 et seq.

                           Effective as of January 1, 2004; Revised
                           as of February 26, 2004
--------------------------------------------------------------------------------------------------------
New York                   N.Y. Banking Law Article 6-l                High Cost Home Loan

                           Effective for applications made on or
                           after April 1, 2003
--------------------------------------------------------------------------------------------------------
North Carolina             Restrictions and Limitations on High Cost   High Cost Home Loan
                           Home Loans,
                           N.C. Gen. Stat. Sections 24-1.1E et seq.

                           Effective July 1, 2000; amended October
                           1, 2003 (adding open-end lines of credit)
--------------------------------------------------------------------------------------------------------
Ohio                       H.B. 386 (codified in various sections of   Covered Loan
                           the Ohio Code),
                           Ohio Rev. Code Ann. Sections 1349.25
                           et seq.

                           Effective May 24, 2002
--------------------------------------------------------------------------------------------------------
Oklahoma                   Consumer Credit Code (codified in various   Subsection 10 Mortgage
                           sections of Title 14A)

                           Effective July 1, 2000; amended effective
                           January 1, 2004
--------------------------------------------------------------------------------------------------------

                                   Exhibit 1-3

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                 Name of Anti-Predatory Lending             Category under Applicable
   State/Jurisdiction                  Law/Effective Date                  Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

South Carolina             South Carolina High Cost and Consumer       High Cost Home Loan
                           Home Loans Act, S.C. Code Ann. Sections
                           37-23-10 et seq.

                           Effective for loans taken on or after
                           January 1, 2004
--------------------------------------------------------------------------------------------------------
West Virginia              West Virginia Residential Mortgage          West Virginia Mortgage Loan
                           Lender, Broker and Servicer Act, W. Va.     Act Loan
                           Code Ann. Sections 31-17-1 et seq.

                           Effective June 5, 2002
--------------------------------------------------------------------------------------------------------

STANDARD & POOR'S COVERED LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                 Name of Anti-Predatory Lending             Category under Applicable
   State/Jurisdiction                  Law/Effective Date                  Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

Georgia (Oct. 1, 2002 -    Georgia Fair Lending Act, Ga. Code Ann.     Covered Loan
Mar. 6, 2003)              Sections 7-6A-1 et seq.

                           Effective October 1, 2002 - March 6, 2003
--------------------------------------------------------------------------------------------------------
New Jersey                 New Jersey Home Ownership Security          Covered Home Loan
                           Act of 2002,  N.J. Rev. Stat. Sections
                           46:10B-22 et seq.

                           Effective November 27, 2003 - July 5,
                           2004
--------------------------------------------------------------------------------------------------------

STANDARD & POOR'S HOME LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                 Name of Anti-Predatory Lending             Category under Applicable
    State/Jurisdiction                 Law/Effective Date                  Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

Georgia (Oct. 1, 2002 -    Georgia Fair Lending Act, Ga. Code Ann.     Home Loan
Mar. 6, 2003)              Sections 7-6A-1 et seq.

                           Effective October 1, 2002 - March 6, 2003
--------------------------------------------------------------------------------------------------------

                                   EXHIBIT 1-4

STANDARD & POOR'S HOME LOAN CATEGORIZATION

--------------------------------------------------------------------------------------------------------
                                 Name of Anti-Predatory Lending             Category under Applicable
    State/Jurisdiction                 Law/Effective Date                  Anti-Predatory Lending Law
--------------------------------------------------------------------------------------------------------

New Jersey                 New Jersey Home Ownership Security Act of   Home Loan
                           2002, N.J. Rev. Stat. Sections 46:10B-22
                           et seq.

                           Effective for loans closed on or after
                           November 27, 2003
--------------------------------------------------------------------------------------------------------
New Mexico                 Home Loan Protection Act, N.M. Rev. Stat.   Home Loan
                           Sections 58-21A-1 et seq.

                           Effective as of January 1, 2004; Revised
                           as of February 26, 2004
--------------------------------------------------------------------------------------------------------
North Carolina             Restrictions and Limitations on High Cost   Consumer Home Loan
                           Home Loans, N.C. Gen. Stat.
                           Sections 24-1.1E et seq.

                           Effective July 1, 2000; amended
                           October 1, 2003 (adding open-end lines of
                           credit)
--------------------------------------------------------------------------------------------------------
South Carolina             South Carolina High Cost and Consumer       Consumer Home Loan
                           Home Loans Act, S.C. Code Ann.
                           Sections 37-23-10 et seq.

                           Effective for loans taken on or after
                           January 1, 2004
--------------------------------------------------------------------------------------------------------

                                   EXHIBIT 1-5

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